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FDA approves AbbVie’s hepatitis treatment

Barron's: Five oil stocks to buy now. Barron
Barron's: Why you should buy these 5 oil stocks now
Bed Bath & Beyond bricks and mortar

GoldmanSachs sees little sytemic risks to banks from declining oil prices.  Bloomberg
Goldman: Little risk to banks from oil price declines
Obama: Keystone wouldn’t benefit consumers
The moment Yellen unchained stocks from oil

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Sony CEO: Theaters to blame for 'Interview' being pulled
FBI says North Korea behind Sony cyber hack
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2 things to know about  trading in a turbulent market

President Obama says federal workers will get a 1% pay riaise next year.  Reuters
Obama gives 1% raise to federal employees

A ndew round of funding values Chinese startup Xiaomi at $45 billion.  XiaomiMalaysia.net
Chinese startup Xiaomi valued at $45 billion
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When to compare prices, and when not
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1.5%
2 yr CD
0.9%
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0.7%
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0.4%
MMA $50K+
0.6%

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 10.37% 10.37% 10.37%
Balance Transfer 12.73% 12.73% 12.64%
Business 12.85% 12.85% 12.80%
Student 13.14% 13.14% 13.27%
Reward 14.90% 14.89% 14.97%
Cash Back 14.94% 14.94% 14.91%
Airline 15.52% 15.46% 15.30%
Bad Credit 22.73% 22.73% 22.73%
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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.

Holiday shopping - All posts tagged Holiday shopping

  • Dec 14, 2011
    10:58 AM ET

    Even Shopping Pros Make Mistakes

    iStockphoto

    Kit Yarrow is a professor of psychology and marketing at Golden Gate University in San Francisco and author of “Gen Y: How Tweens, Teens and Twenty-Somethings Are Revolutionizing Retail.

    Holiday shopping is full of “coulda, shoulda, woulda.” As in, “I could have gotten if for less if I’d waited.” Or, “I should have bought it last week, now it’s sold out.” Or how about: “I would have bought a gift card if I’d known it was going to cost so much to mail it.” It seems like most people have to be a retail expert to get through the holiday shopping season without regrets.

    Believe it or not even the experts get tripped up by shopping mishaps: overbuying, procrastination, impulsive purchasing and falling prey to promotions. It might be a comfort to know that even though retail pros know better, the holiday rush can get the best of anyone. Here are some pitfalls that even the experts have made:

    1. “I got too excited by free gifts in Victoria’s Secret.”

    Play it cool when it comes to big promotions. Retail analyst Jennifer Black, president of Jennifer Black & Associates, spends a lot of time in malls in the course of her research. “I get caught up in the fever like everyone else,” she says. On Black Friday she found herself at Victoria’s Secret “buying things I didn’t need just to get the free gift with purchase.” As SmartMoney.com reported, free shipping is another area that isn’t as it always appears.

    2. “…and in-store samples tempt me to buy even more.”

    Also, beware in-store demonstrations. Kimberly Palmer, author of “Generation Earn,” recently got taken in by some free and tasty samples. Palmer says she recently left Williams Sonoma with a pricey bottle of olive oil that was “not exactly a necessary purchase.” She says, “I usually end up splurging on a few last minute in-store purchases that are entirely unnecessary.” Here are other ways retailers try to warm up their customers during the holidays.

  • Dec 9, 2011
    3:50 PM ET

    Would iPad 3 Spoil Apples Under the Tree?

    iStockphoto

    The release of a new version of Apple’s tablet in February might rankle those who give or receive an iPad this month.

    The company may be gearing up for its release of the iPad 3 in just two months,according to a report by Richard Gardner, an analyst with Citigroup Global Markets, citing several unnamed sources.  The news might seem a cruel joke to those giving and receiving an iPad this month, but it’s unlikely to keep gadget buyers from holding off, analysts say.

  • Dec 9, 2011
    1:48 PM ET

    Presents of Mothers-in-law Often Annoying

    iStockphoto

    They may arrive on their family’s doorsteps this holiday season full of smiles, but in-laws’ gift-wrapped goodies are likely to be a major disappointment.

    In-laws don’t come up with the goods during the holidays. They give the worst presents, according to 17% of those surveyed by Wyndham Rewards, a travel rewards operator. “They may give terrible gifts because they either don’t know you very well or because they don’t care about being a pleaser, especially if there’s conflict in the relationship,” says Tina Lowrey, professor of marketing at the University of Texas at San Antonio. Note: Lowrey is not suggesting that they give the wrong presents accidentally-on-purpose.

    Husbands, wives and significant others should keep their ears peeled, especially for spouses who already appear to have everything and, for that reason, may be harder to shop for. Spouses are No. 2 as the worst gift-givers: 10% of spouses give gifts their significant others don’t want, the survey found. “That’s perhaps the most surprising part of this study,” says social psychologist Matt Wallaert. “They who should know us better than anyone are among those who give the least wanted presents.”

  • Nov 25, 2011
    12:52 PM ET

    Black Friday: Big Bust?

    Quentin Fottrell
    Toys R Us, Times Square, 8.45am EST Friday.

    Is the most-hyped shopping day of the year all talk?

    As shoppers flocked to stores and shopping malls today — an estimated 152 million Americans will hit the stores this “Black Friday” weekend — many consumers say they’re underwhelmed with the deals and discounts so far.

    “I’m still hoping to be wowed,” said Erin Redshaw of Toronto, who at 9 a.m. already had her hands full with bags from half a dozen different stores near Rockefeller Center in New York City. She said she got some of her best buys at Macy’s, in large part because she had a 20% off coupon mailed back in September, and good through November 27, as an extra perk for store cardholders. (Shoppers with an in-store savings pass from Thursday’s paper could save an extra 10% to 15% off most items.)

  • Nov 25, 2011
    9:12 AM ET

    Cautious Consumers May Go Gaga For Gadgets

    iStockphoto

    Even recession-scarred consumers may still swipe their plastic for electronics.

    Gadgets are expected to be one of the retail bright spots this holiday season, according to a new survey by Techbargains.com. Some 70% of shoppers expect to spend 50% or more of their holiday shopping budget on consumer electronics, the deal aggregator site found. Over 50% of those surveyed said they will spend $250 to $500 on electronics. “Sales will be strong for electronics and toys,” says independent retail analyst Jeff Green, despite forecasting flat holiday sales overall.

    In fact, demand for the Amazon’s Kindle Fire and Apple’s iPad 2 are about equal. Two-thirds of shoppers (67%) don’t currently own tablets, but 64% plan to purchase one. Some 35% of shoppers plan on buying the iPad 2, while 32% are eyeing Amazon’s new Kindle Fire. What’s more, 25% of current iPad owners will purchase a Kindle Fire in the next six months, the survey found. The majority (88%) of those looking to replace the iPad with a Kindle Fire say they simply like buying the newest products.

  • Nov 24, 2011
    8:00 AM ET

    Get In Peak Condition For Black Friday

    iStockphoto

    Kit Yarrow is a professor of psychology and marketing at Golden Gate University in San Francisco and author of “Gen Y: How Tweens, Teens and Twenty-Somethings Are Revolutionizing Retail.

    Love it or hate it, Black Friday and the five long weeks in the run-up to the Holidays is the time of the year when just about everyone will find themselves competing for bargains and searching for the perfect gift. Call it the big game season of shopping. Just as athletes prepare mentally and physically for the big game, so should consumers.

    Shoppers often go over-budget and later wonder what they were thinking with that $10 Christmas tree decoration or stocking filler when they arrive home. Shopping under pressure is rife with physical and mental landmines. Here are some tips from Pay Dirt to achieve peak performance before going shopping on one of the biggest days of the year.

    Eat, drink – only then shop

    Thirst contributes to confusion and fatigue – not the best mental states to be in for people who are spending money. Stay sharp by drinking water. Impulse purchases are the number one budget breaker. When consumers are hungry, they’re more vulnerable to impulsive behaviors of all sorts. Eat protein, in particular, to help stay in control. (Here’s how the Thanksgiving Turkey may help.)

  • Nov 23, 2011
    12:09 PM ET

    Black Friday, Then Blah Sales?

    iStockphoto

    There may still be a recession at the cash register.

    So far, consumer reports are providing few clues: Spending slowed last month, while retail sales were up, according to the Commerce Department. Meanwhile, consumer sentiment has held steady, according to the Thomson Reuters/University of Michigan’s index. Given these conflicting numbers, analysts say that despite the hoopla generated by Black Friday, consumers will show more restraint going into December.

    Persistently high unemployment and a European debt crisis have spooked consumers. “I have a lukewarm prediction for the holiday season,” says Jeff Green, a retail analyst based in Phoenix, Ariz. Others are slightly more optimistic. “Based on the October data that showed an increase in both consumer spending and personal income, it’s fair to expect that this year’s holiday spending will be stronger than last year,” says Odysseas Papadimitriou, CEO and co-founder of CardHub.com in Arlington, Va.

  • Nov 3, 2011
    6:02 PM ET

    3 Tips To Avoid Being Seduced By Retailers

    iStockphoto

    With the busiest shopping season of the year upon us, consumers should be on their guard – not against the holiday crush, but a soothing environment that can lull customers into overspending.

    Those free cocktail evenings or complimentary coffee and snacks some stores offer may end up coming with a hefty price tag, experts say — and what you can’t see may be just as lethal to your bank balance. Mall developer Westfield Group is rolling out cushy seating areas with couches and free Wi-Fi hotspots in the public areas in some of its 55 U.S. properties, The Wall Street Journal reports Thursday.

    As previously reported by Pay Dirt, relaxed customers can end up paying over 80% more for a spa treatment or bungee jumping, according to a study published in the fall issue of Journal of Marketing Research. Why? The researchers say you will spend more time thinking of how you might love a piece of jewelry rather than the financial ramifications of taking it home.

  • Nov 3, 2011
    11:42 AM ET

    Poor Retail Sales Could Mean Bigger Deals

    Department stores will have to drop prices to get consumers through the doors this holiday season, experts say — earlier opening hours just won’t cut it.

    While October sales were buoyant, helped by winter sales, retails figures for November and December are expected to be about half over last year. The National Retail Federation says total retail spending is expected to rise just 2.8% through December — significantly less than the 5.2% spike in spending last year.

    iStockphoto

    These lackluster predictions mean department stores will have to compete for your dollar and – in an effort to lure consumers and appease shareholders –they will need to have some headline grabbing bargains to tempt people through their doors.

    “Overall, I believe we will see better sales this holiday season,” says Odysseas Papadimitriou, CEO and co-founder of CardHub.com in Arlington, Va. “Retailers will use the better sales to try to counteract the negative effects of uncertainty about the economy, low consumer confidence and the persistently high unemployment rate.”

  • Nov 3, 2011
    11:07 AM ET

    Filene’s Closeout Sale: Prepare to Rummage

    iStockphoto

    The famed bargain basement’s liquidation sales require savvy shopping.

    Filene’s Basement is going bust, but bargain hunters may want to think before they swoop in, experts say.

    The famed 102-year-old Boston-based discount store, filed for bankruptcy Wednesday for the third time and will finally close its doors in the New Year, as reported yesterday. The chain also filed a court motion for going-out-of-business sales.

    But experts say shoppers should be wary of buying holiday gifts – in or out of the store’s closeout sales. And the store itself doesn’t necessarily disagree. As Steven Alschuler, a spokesman for Filene’s, says, “Once the stores are closed the stores are closed.” That means no credit or returns on goods bought when most of the doors are locked for good next year.

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
NEED TO KNOW
Two New York City police officers shot and killed
Goodell: No NFL team moving to L.A. in 2015
EPA sets new rules on coal ash
Staples: Data breach affected 1.2 million cards
U.S. stocks' biggest weekly gain since October
FDA approves AbbVie’s hepatitis treatment

Barron's: Five oil stocks to buy now. Barron
Barron's: Why you should buy these 5 oil stocks now
Bed Bath & Beyond bricks and mortar

GoldmanSachs sees little sytemic risks to banks from declining oil prices.  Bloomberg
Goldman: Little risk to banks from oil price declines
Obama: Keystone wouldn’t benefit consumers
The moment Yellen unchained stocks from oil

 Columbia Pictures
Sony CEO: Theaters to blame for 'Interview' being pulled
FBI says North Korea behind Sony cyber hack
Obama: Sony goofed in pulling ‘The Interview’
5 ways Sony hack will change U.S. business
What it looks like when a movie gets squashed

Two things to know when you're trading in a turbulent market.  Getty Images
2 things to know about  trading in a turbulent market

President Obama says federal workers will get a 1% pay riaise next year.  Reuters
Obama gives 1% raise to federal employees

A ndew round of funding values Chinese startup Xiaomi at $45 billion.  XiaomiMalaysia.net
Chinese startup Xiaomi valued at $45 billion
Instagram now worth $35 billion, analyst says

Best American cities for retirees and snowbirds
10 of the best tropical islands for retirees

These Twitter pros are 2015’s must-
follows
Here are the 9 best tweets of 2014, so far
10 most popular YouTube videos of 2014

Don’t have these 7 things delivered to your home

The 10 most dangerous cities in America


10 most miserable cities in America


When to cmpare prices and when not to bother. Tyler Olson / Shutterstock.com
When to compare prices, and when not
to bother
Why you are right to shop at the last minute
Here are last-minute gadgets and toys

6 industries that can’t locate new workers fast enough
The 11 lowest-unemployment states (24/7)

Act fast to cash in on these personal tax breaks
3 year-end planning tips to follow now
Time to do some quick tax planning
/conga/frontpage.html 329583

Markets »

343.69MDow Volume:
Avg Vol: 99.46M
Unchanged
205
Decliners
2636
Advancers
3710
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 17,805 +27 0.15%
Nasdaq
/quotes/zigman/12633936/realtime 4,765 +17 0.36%
S&P 500
/quotes/zigman/3870025/realtime 2,071 +9 0.46%
GlobalDow
/quotes/zigman/629063/realtime 2,510 +15 0.60%
Gold
/quotes/zigman/14649220/delayed 1,195 0 0.03%
Oil
/quotes/zigman/2331077/delayed 57.80 +3.44 6.33%
FTSE 100
/quotes/zigman/3173262/delayed 6,545 +79 1.23%
DAX
/quotes/zigman/2380246/delayed 9,787 -24 0.25%
CAC 40
/quotes/zigman/3173214/delayed 4,242 -8 0.18%
FTSE MIB
/quotes/zigman/1482176/delayed 18,984 -77 0.40%
IBEX 35
/quotes/zigman/2759620/delayed 10,364 -28 0.27%
Stoxx 600
/quotes/zigman/2380150/delayed 340 +1 0.37%
Asia Dow
/quotes/zigman/6959860/realtime 2,977 +50 1.72%
Nikkei 225
/quotes/zigman/5986735/delayed 17,621 +411 2.39%
Hang Seng
/quotes/zigman/2622475/delayed 23,117 +284 1.25%
Shanghai
/quotes/zigman/1859015/delayed 3,109 +51 1.67%
Sensex
/quotes/zigman/1652085/delayed 27,372 +245 0.90%
Singapore
/quotes/zigman/1709939/delayed 3,280 +36 1.11%
Euro
/quotes/zigman/16008136/realtime/sampled 1.22 0.00 0.00%
Yen
/quotes/zigman/16008150/realtime/sampled 119.53 0.00 0.00%
Pound
/quotes/zigman/16008140/realtime/sampled 1.56 0.00 0.00%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.81 0.00 0.00%
DXY Index
/quotes/zigman/1652083/delayed 89.59 +0.35 0.39%
WSJ $ Idx
/quotes/zigman/41508961/realtime 82.60 +0.20 0.24%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.16 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.60 -0.03 4.12%
Italy 10yr
/quotes/zigman/15866497/realtime 1.94 -0.02 0.99%
Spain 10yr
/quotes/zigman/15866444/realtime 1.70 -0.05 2.96%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.85 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.35 +0.01 1.63%
Crude Oil
/quotes/zigman/2331077/delayed 58 +3 6.33%
Gold
/quotes/zigman/14649220/delayed 1,195 0 0.03%
Corn
/quotes/zigman/7562463/delayed 411 0 0.06%
DJIA F
/quotes/zigman/30356525/delayed 17,736 +10 0.06%
S&P F
/quotes/zigman/25833778/delayed 2,064 +4 0.19%
Silver
/quotes/zigman/15320445/delayed 16 +0 0.82%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 79.88 1.48 1.89%
AAPL /quotes/zigman/68270/composite 111.78 -0.87 -0.77%
GOOG /quotes/zigman/30194416/composite 516.35 5.25 1.03%
BAC /quotes/zigman/190927/composite 17.62 0.09 0.51%
C /quotes/zigman/5065548/composite 54.01 -0.09 -0.17%
F /quotes/zigman/264304/composite 15.03 0.22 1.49%
T /quotes/zigman/398198/composite 33.54 0.03 0.09%
BP /quotes/zigman/247026/composite 39.40 1.08 2.82%
GE /quotes/zigman/227468/composite 25.62 0.48 1.91%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist

World News from MarketWatch

Rates »

5 yr CD
1.5%
2 yr CD
0.9%
1 yr CD
0.7%
MMA $10K+
0.4%
MMA $50K+
0.6%

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 10.37% 10.37% 10.37%
Balance Transfer 12.73% 12.73% 12.64%
Business 12.85% 12.85% 12.80%
Student 13.14% 13.14% 13.27%
Reward 14.90% 14.89% 14.97%
Cash Back 14.94% 14.94% 14.91%
Airline 15.52% 15.46% 15.30%
Bad Credit 22.73% 22.73% 22.73%
Instant Approval 23.33% 23.33% 28.00%
Source:CreditCards.com
Trending Tickers
  • /quotes/zigman/93956/composite MNKD-0.92%
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  • /quotes/zigman/303422/composite YUM-0.79%
  • /quotes/zigman/258846/composite UNH+0.24%
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Markets »

343.69MDow Volume:
Avg Vol: 99.46M
Unchanged
205
Decliners
2636
Advancers
3710
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 17,805 +27 0.15%
Nasdaq
/quotes/zigman/12633936/realtime 4,765 +17 0.36%
S&P 500
/quotes/zigman/3870025/realtime 2,071 +9 0.46%
GlobalDow
/quotes/zigman/629063/realtime 2,510 +15 0.60%
Gold
/quotes/zigman/14649220/delayed 1,195 0 0.03%
Oil
/quotes/zigman/2331077/delayed 57.77 +3.41 6.27%
FTSE 100
/quotes/zigman/3173262/delayed 6,545 +79 1.23%
DAX
/quotes/zigman/2380246/delayed 9,787 -24 0.25%
CAC 40
/quotes/zigman/3173214/delayed 4,242 -8 0.18%
FTSE MIB
/quotes/zigman/1482176/delayed 18,984 -77 0.40%
IBEX 35
/quotes/zigman/2759620/delayed 10,364 -28 0.27%
Stoxx 600
/quotes/zigman/2380150/delayed 340 +1 0.37%
Asia Dow
/quotes/zigman/6959860/realtime 2,977 +50 1.72%
Nikkei 225
/quotes/zigman/5986735/delayed 17,621 +411 2.39%
Hang Seng
/quotes/zigman/2622475/delayed 23,117 +284 1.25%
Shanghai
/quotes/zigman/1859015/delayed 3,109 +51 1.67%
Sensex
/quotes/zigman/1652085/delayed 27,372 +245 0.90%
Singapore
/quotes/zigman/1709939/delayed 3,280 +36 1.11%
Euro
/quotes/zigman/16008136/realtime/sampled 1.22 0.00 0.00%
Yen
/quotes/zigman/16008150/realtime/sampled 119.53 0.00 0.00%
Pound
/quotes/zigman/16008140/realtime/sampled 1.56 0.00 0.00%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.81 0.00 0.00%
DXY Index
/quotes/zigman/1652083/delayed 89.59 +0.35 0.39%
WSJ $ Idx
/quotes/zigman/41508961/realtime 82.60 +0.20 0.24%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.16 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.60 -0.03 4.12%
Italy 10yr
/quotes/zigman/15866497/realtime 1.94 -0.02 0.99%
Spain 10yr
/quotes/zigman/15866444/realtime 1.70 -0.05 2.96%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.85 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.35 +0.01 1.63%
Crude Oil
/quotes/zigman/2331077/delayed 58 +3 6.27%
Gold
/quotes/zigman/14649220/delayed 1,195 0 0.03%
Corn
/quotes/zigman/7562463/delayed 411 0 0.06%
DJIA F
/quotes/zigman/30356525/delayed 17,736 +10 0.06%
S&P F
/quotes/zigman/25833778/delayed 2,064 +4 0.19%
Silver
/quotes/zigman/15320445/delayed 16 +0 0.82%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 79.88 1.48 1.89%
AAPL /quotes/zigman/68270/composite 111.78 -0.87 -0.77%
GOOG /quotes/zigman/30194416/composite 516.35 5.25 1.03%
BAC /quotes/zigman/190927/composite 17.62 0.09 0.51%
C /quotes/zigman/5065548/composite 54.01 -0.09 -0.17%
F /quotes/zigman/264304/composite 15.03 0.22 1.49%
T /quotes/zigman/398198/composite 33.54 0.03 0.09%
BP /quotes/zigman/247026/composite 39.40 1.08 2.82%
GE /quotes/zigman/227468/composite 25.62 0.48 1.91%
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Rates »

5 yr CD
1.5%
2 yr CD
0.9%
1 yr CD
0.7%
MMA $10K+
0.4%
MMA $50K+
0.6%

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 10.37% 10.37% 10.37%
Balance Transfer 12.73% 12.73% 12.64%
Business 12.85% 12.85% 12.80%
Student 13.14% 13.14% 13.27%
Reward 14.90% 14.89% 14.97%
Cash Back 14.94% 14.94% 14.91%
Airline 15.52% 15.46% 15.30%
Bad Credit 22.73% 22.73% 22.73%
Instant Approval 23.33% 23.33% 28.00%
Source:CreditCards.com
Trending Tickers
  • /quotes/zigman/93956/composite MNKD-0.92%
  • /quotes/zigman/90651/composite ISRG+1.61%
  • /quotes/zigman/303422/composite YUM-0.79%
  • /quotes/zigman/258846/composite UNH+0.24%
  • /quotes/zigman/207002/composite DB-2.17%
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