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Pay Dirt
A daily look at what we buy, how we spend, and the companies that do right - and wrong - by their customers.

For Shoppers, The Grinch Steals Christmas Early

iStockphoto

Consumers have 170 shopping days left before Christmas, but to find the best sales, you may need to start today.

Retailers have already said they plan to scale back holiday deals, reports The Wall Street Journal. Faced with higher costs from manufacturers and dismal consumer spending projections, they have cut inventory with a plan to sell fewer goods at higher prices, says Jeff Green, an independent retail consultant. “In the last several years, retailers have focused on inventory control, making sure they don’t over-buy for the season,” he says. “They’re getting a much better understanding of what selling and what’s not.”

Consumers are missing out on what were of the earliest holiday deals in past years. Last year, Sears, K-Mart and Toys R Us had all started holiday savings clubs by this time — Toys R Us on June 16, Sears and K-Mart on July 2 — offering consumers a 3% bonus on whatever they saved in store accounts between now and fall. This year, none have announced programs so far. A spokesman for Toys R Us says the store will not be repeating the program this year because shoppers expressed more interest in layaway and other promotions. (Sears did not respond to requests for comment.)

But there is still a chance that retailers will, like the Grinch, relent and back the Christmas deals. “If things are not discounted, spending will be down,” Green says. Stores may be holding off until late August to see how the back-to-school spending plays out. If it’s not as good as they hoped, they may put more holiday deals on the table, he says.

While the retailers are playing wait-and-see, shoppers can, too. Start stashing away cash in a high-yield savings account to offset holiday bills, and draft an early list of potential gifts and recipients. Summer sales have been plentiful and state sales tax holidays are approaching, which could help you cross a few items off early.

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      Faction Icon Creator Here – Perfect World International Forum
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      # 1
      Faction Icon Creator Here
      08-04-2011, 06:14 PM
      Howdy all, I have been working on faction icons and have become pretty good at it if I do say so myself.
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    • “While the retailers are playing wait-and-see, shoppers can, too. Start stashing away cash in a high-yield savings account to offset holiday bills…”

      Forget Christmas shopping! Where, pray tell, would I find the “high yield savings account” of which you speak?

About Pay Dirt

  • Pay Dirt examines the millions of consumer decisions Americans make every day: What to buy, how much to pay, whether to rave or complain. Lead written by Quentin Fottrell, the blog examines these interactions, providing readers with news, insight and tips on shopping, spending, customer service, and companies that do right – and wrong – by their customers. Send items, questions and comments to quentin.fottrell@dowjones.com or tweet @SMPayDirt.

MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert

Tokyo Markets Close in:

need to know
China to close market this week to honor WW II
CNN shakes up GOP debate criteria
Pope puts abortion forgiveness on the table
Survey may confirm our worst gender fears
GE names first female vice chair
Amgen finds data falsified in diabetes study

NYSE invokes Rule 48 before market open

McDonald’s set to offer all-day breakfast


 
Uber drivers lawsuit  endangers much more than Uber
Uber driver suit can proceed as class-action

Never use a market order when stocks are selling off

Texas edges out North Dakota in this oil list

Where every Fed member stands on raising rates

Rate-hike question is what Yellen didn’t want
Boston Fed president: Sept. doubt remains

New on the shelves of your local Apple Store: drones

Annie Leibovitz is working on UBS’s image

How LVMH poached Apple digital exec Ian Rogers

What to expect at September Apple event
What to expect from the Apple event on Sept. 9
Apple talks to Hollywood for exclusive content
Apple, Cisco team to put business users on iOS
Apple will let iPhone and iPad users block ads
Lost Apple deal leads to 40% job cut at GT

Yahoo CEO Marissa Mayer
Yahoo CEO Marissa Mayer pregnant with twins

Canada’s economy enters recession — arguably

Construction laborers work on the top floor of a high rise apartment building in New York.
Building is emerging as strongest sector of economy
U.S. manufacturing growth at 2-year low: ISM

How China turned minor yuan issue into global rout
Chinese factory data pull Asian shares lower
Beijing bumbling is China’s biggest problem

These are the cars that get the most Instagram attention

Best time to buy a new car may be just around the corner
U.S. car sales are stronger than expected

10 cities in U.S. with the very worst traffic problems
Lowest Labor Day gas prices in 11 years: AAA

Trump says Mount McKinley name change ‘insult to Ohio’
Trump: Switch to Denali is ‘insult to Ohio’
Mount McKinley in Alaska is renamed Denali
Which U.S. president has the tallest mountain?

Classified details blacked out in new Clinton emails
Classified details blacked out in new emails
Clinton says she supports ‘revolving door’ bill
Biden a tougher matchup than Clinton: poll

Unlucky lottery winner gets IOU from Illinois

/conga/frontpage.html 353884

Markets »

171.39MDow Volume:
Avg Vol: 111.86M
Unchanged
163
Decliners
5264
Advancers
1172
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,058 -470 2.84%
Nasdaq
/quotes/zigman/12633936/realtime 4,636 -140 2.94%
S&P 500
/quotes/zigman/3870025/realtime 1,914 -58 2.96%
GlobalDow
/quotes/zigman/629063/realtime 2,292 -4 0.16%
Gold
/quotes/zigman/662444/delayed 1,138 -2 0.19%
Oil
/quotes/zigman/2331095/delayed 44.33 -1.08 2.38%
FTSE 100
/quotes/zigman/3173262/delayed 6,059 -189 3.03%
DAX
/quotes/zigman/2380246/delayed 10,016 -244 2.38%
CAC 40
/quotes/zigman/3173214/delayed 4,541 -112 2.40%
FTSE MIB
/quotes/zigman/1482176/delayed 21,451 -491 2.24%
IBEX 35
/quotes/zigman/2759620/delayed 9,993 -266 2.59%
Stoxx 600
/quotes/zigman/2380150/delayed 353 -10 2.73%
Asia Dow
/quotes/zigman/6959860/realtime 2,697 -21 0.77%
Nikkei 225
/quotes/zigman/5986735/delayed 18,273 +108 0.59%
Hang Seng
/quotes/zigman/2622475/delayed 20,991 -195 0.92%
Shanghai
/quotes/zigman/1859015/delayed 3,072 -95 3.00%
Sensex
/quotes/zigman/1652085/delayed 25,696 -587 2.23%
Singapore
/quotes/zigman/1709939/delayed 2,889 +6 0.22%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.38%
Yen
/quotes/zigman/16008150/realtime/sampled 120.13 +0.76 0.64%
Pound
/quotes/zigman/16008140/realtime/sampled 1.53 +0.00 0.03%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.70 0.00 0.14%
DXY Index
/quotes/zigman/1652083/delayed 95.65 +0.27 0.29%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.43 +0.26 0.30%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.16 +0.00 0.08%
German 10y
/quotes/zigman/15866409/realtime 0.80 +0.06 8.79%
Italy 10yr
/quotes/zigman/15866497/realtime 2.00 +0.08 4.05%
Spain 10yr
/quotes/zigman/15866444/realtime 2.14 +0.08 3.76%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.83 -0.02 1.25%
Japan 10yr
/quotes/zigman/15866525/realtime 0.40 +0.04 10.26%
Crude Oil
/quotes/zigman/2331095/delayed 44 -1 2.38%
Gold
/quotes/zigman/662444/delayed 1,138 -2 0.19%
Corn
/quotes/zigman/7599553/delayed 371 +2 0.41%
DJIA F
/quotes/zigman/38649152/delayed 16,205 +118 0.73%
S&P F
/quotes/zigman/30356461/delayed 1,930 +14 0.75%
Silver
/quotes/zigman/3134148/delayed 15 0 0.41%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 87.23 -2.20 -2.46%
AAPL /quotes/zigman/68270/composite 107.72 -5.04 -4.47%
GOOG /quotes/zigman/30194416/composite 597.79 -20.46 -3.31%
BAC /quotes/zigman/190927/composite 15.58 -0.76 -4.65%
C /quotes/zigman/5065548/composite 50.94 -2.54 -4.75%
F /quotes/zigman/264304/composite 13.72 -0.15 -1.08%
T /quotes/zigman/398198/composite 32.32 -0.88 -2.65%
BP /quotes/zigman/247026/composite 32.14 -1.40 -4.17%
GE /quotes/zigman/227468/composite 23.88 -0.94 -3.79%
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Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

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