/PRNewswire/ -- Georgia consumers are not optimistic about the state's economic condition, with just 12 percent of respondents to the latest poll from Georgia Credit Union Affiliates (GCUA) saying they believe the economy has improved in the past year. The rest characterized Georgia's economic situation as either about the same or getting worse than last year, sentiments which could have a material impact on consumer saving and spending throughout the state.
The quarterly Georgia Credit Unions' "Paying Attention" report indicates that, while consumers are working to build a buffer of savings by cutting back on expenses and delaying large purchases, they are still unprepared to deal with any further financial setbacks. The report compiled recent poll responses from more than 4,000 credit union members and aggregated data from credit unions statewide.
"As national statistics start to show an increase in consumer confidence, Georgia credit union members are still wary about their own personal financial health," said Mike Mercer, president and CEO of GCUA. "If the economy strengthens, consumers could become more optimistic. But, in the meantime, we expect to see cautious plans for spending and especially borrowing. In fact, loan demand at Georgia credit unions has been very soft."
Consumer Poll
The full report, available at www.georgiacreditunions.org, includes poll results measuring Georgia consumers' current economic mood, as well as savings and spending trends. Among the report's findings:
* Only 12 percent of poll respondents believe the economy is improving compared to a year ago, with 40 percent saying they think it's getting worse.
* More than 30 percent (32.9 percent) of respondents said they experienced changes in their employment situation during the recession, ranging from layoffs to pay cuts to having to take a second job.
* More than one-third of respondents (35.7 percent) said they had no reserve savings to cover essential expenses if they were to lose their job or other source of income. On the other hand, 18.9 percent said they had enough savings to cover more than one year without a source of income.
* Almost two-thirds of respondents (65.6 percent) said they have changed their personal savings habits over the past six months, including spending less or cutting expenses like eating out and taking trips.
* Compared to 2010, respondents appear even more wary about making large purchases. 63.3 percent said they do not plan to purchase any big-ticket items in 2011, compared to 52.1 percent who said they avoided large purchases last year.
* Half (50 percent) of respondents say they will pay for their large purchases with cash from savings.
Credit Union Data Show Continued Trend Toward Savings
In conjunction with the consumer poll, GCUA compiled savings and lending data from 39 credit unions from across the state that represents 91 percent of credit union assets and 83 percent of members in Georgia. The findings, outlined in the chart below, reflect a continuing trend toward savings, while figures for lending varied:
* Savings deposits rose at an annualized rate of 5.42 percent during 2010, just slightly less than the 6.24 percent rise in 2009. Checking account balances also grew by 13.12 percent in 2010.
* New vehicle loans continue to decline, with more consumers opting for used car loans: new vehicle loan balances fell by 10.42 percent in 2010, while used car loan balances increased by 7.16 percent, continuing a trend from 2009.
* First mortgage balances increased by 9.89 percent in 2010.
* The number of bankruptcy filings among members rose 12.47 percent in 2010 compared to 2009.
More information is available at www.georgiacreditunions.org or on facebook.com/creditYOUnion.
-----
Community News You Can Use
Click to read MORE news:
www.GeorgiaFrontPage.com
Twitter: @gafrontpage & @TheGATable @HookedonHistory
www.ArtsAcrossGeorgia.com
Twitter: @artsacrossga, @softnblue, @RimbomboAAG @FayetteFP
Showing posts with label poll. Show all posts
Showing posts with label poll. Show all posts
Thursday, February 24, 2011
Thursday, December 31, 2009
Top Five Most Ridiculous Lawsuits of 2009 Announced
/PRNewswire/ -- The U.S. Chamber Institute for Legal Reform (ILR) announced today the top five vote getters of its 1st Annual Most Ridiculous Lawsuit of the Year Poll. Nominees were drawn from the monthly Most Ridiculous Lawsuit poll winners, chosen by visitors to FacesofLawsuitAbuse.org, a public awareness campaign Web site that aims to show how abusive lawsuits affect small businesses and average families in very real ways.
"While ridiculous lawsuits may be easy fodder for late-night television hosts, they are no laughing matter for the defendants targeted," said ILR President Lisa Rickard.
The top five Most Ridiculous Lawsuits of 2009 are:
5. Neighbor sues woman for smoking in her own home;
4. Double-murderer sues to claim his victims' classic Chevy pickup;
3. Holocaust denier sues Auschwitz survivor, alleging memoir contains "fantastical tales;"
2. Tourist sues hotel, claiming swimming pool got daughter pregnant;
1. Illegal immigrants sue rancher who stopped them on his property at gunpoint and turned them over to the Border Patrol.
Links to the news stories about these lawsuits can be found at: http://facesoflawsuitabuse.org/polls-archive/.
Throughout the year, the monthly and annual polls collectively received more than 50,000 votes.
ILR seeks to promote civil justice reform through legislative, political, judicial, and educational activities at the national, state, and local levels.
The U.S. Chamber is the world's largest business federation representing more than 3 million businesses and organizations of every size, sector, and region.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
Follow us on Twitter: @GAFrontPage
"While ridiculous lawsuits may be easy fodder for late-night television hosts, they are no laughing matter for the defendants targeted," said ILR President Lisa Rickard.
The top five Most Ridiculous Lawsuits of 2009 are:
5. Neighbor sues woman for smoking in her own home;
4. Double-murderer sues to claim his victims' classic Chevy pickup;
3. Holocaust denier sues Auschwitz survivor, alleging memoir contains "fantastical tales;"
2. Tourist sues hotel, claiming swimming pool got daughter pregnant;
1. Illegal immigrants sue rancher who stopped them on his property at gunpoint and turned them over to the Border Patrol.
Links to the news stories about these lawsuits can be found at: http://facesoflawsuitabuse.org/polls-archive/.
Throughout the year, the monthly and annual polls collectively received more than 50,000 votes.
ILR seeks to promote civil justice reform through legislative, political, judicial, and educational activities at the national, state, and local levels.
The U.S. Chamber is the world's largest business federation representing more than 3 million businesses and organizations of every size, sector, and region.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
Follow us on Twitter: @GAFrontPage
Monday, December 21, 2009
Consumer Reports: Avoid Return Gotchas Before Buying a Gift
/PRNewswire/ -- Even the most fool-proof gifts are subject to returns. In fact, 19% of people plan on returning a gift after the holidays, according to a recent Consumer Reports poll. But returning items may not be as easy or affordable as in years past. Holiday headaches will last long after the season is over, as return shipping costs, restocking fees and other gotchas prevail.
Most retailers have perfectly reasonable return policies, but some are better than others, according to Consumer Reports senior editor Tod Marks. "With so many stores selling the same or similar merchandise, where you buy can almost be as important as what you buy," said Marks, who pens the "Tightwad Tod" shopping blog on www.ConsumerReports.org. "However, there is good news: Most big retailers will generally accept returns on merchandise purchased between November and Christmas through the end of January."
Hassle-free return tactics
Because even the best gifts don't always fare well with recipients, it's best to be prepared before the purchase is made. Check privacy policies and terms of agreement, not just the returns section of a retailer's site. Consumer Reports also recommends shoppers should:
-- Get a receipt or gift receipt. Despite longer grace periods, retailers
are becoming more insistent on a receipt in order to get a refund, and
they're more inclined to turn away customers without proof of
purchase. Without a receipt, they may offer a store credit for the
lowest price the item sold for.
-- Keep packaging intact. Stores are likely to refuse a return if the
packaging materials are open or discarded. Even a missing instruction
manual, cords and cables or warranty card can give retailers reason to
deny the return.
-- Be wary online. Don't just throw it in a box and mail it back. Online
returns usually require a packing slip (typically included in any gift
order), and a return authorization number. Call ahead to ensure that
all requirements are being met.
-- Don't break seals or cut out UPC codes. Items like computer software,
video games, CDs and DVDs aren't generally returnable for another
title after the seal has been broken. If an item comes with a rebate
offer, make sure it works before removing the UPC code to redeem the
rebate.
Don't get stuck paying restocking fees
A restocking fee is a fee imposed on a consumer who returns an item. It covers the cost of processing the return, the costs associated with returning the item to the store's shelves, and any lost revenue as a result of the store's inability to sell that item as new. More products carry a restocking fee if the package has been opened, but if the item is defective before it's used, the store should not charge a restocking fee.
Typically fees range from 10 to 15 percent of the purchase price. Items more likely to have restocking fees include camcorders, TVs, digital cameras, and computers; however Consumer Reports found some not-so-hot returns policies that harbor a variety of restocking fees, including:
-- Amazon.com: 15% restocking fees for computers and fine jewelry.
-- Best Buy: 15% restocking fees on laptops, camcorders, digital cameras
and GPS navigators.
-- Bidz.com: 15% restocking fee on all items. Plus shoppers have only 15
days to return items.
-- Sears: 15% restocking fee applies to electronics products returned
without the original box, used, and without all of the original
packaging. The penalty also applies to some other products.
-- Home Depot: special-orders and some cancelled orders are subject to a
15 percent restocking fee.
-- Macys: 10% restocking fee on furniture.
-- Newegg.com: 15% restocking fee on all major purchases if the box is
opened.
The bottom line when it comes to restocking fees: Don't open the package unless there is no possibility of a return.
The best policies
Consumer Reports scanned various policies at a number of notable retailers and found the return period ranged from 30 days to as many as 180 days. Standout retailers to make Consumer Reports' list for best policies include Bed, Bath & Beyond, Bloomingdale's, Costco, Ikea, Kmart, Kohl's, Lowe's, Nike, Nordstrom, Piperlime.com, Sam's Club, and Shoebuy.com.
Some chains offer exemplary policies year round including Orvis, LL Bean, Land's End, and Zappos. All four retailers will take back unwanted merchandise, no questions asked. Zappos gives you a year to decide and asks that the goods be returned in their original packaging and condition. The others simply say you can return anything at any time for any reason.
Major retailers: what to expect
Wal-mart allows for 90 days for a full refund, except for electronics (it's 15 to 45 days depending on the gadget). Target grants 90 days for a refund with a receipt (some electronics have a 15% restocking fee). An even exchange is offered without a receipt, up to $70 worth of merchandise within a year.
Sears has a 90-day refund or exchange policy for most goods, 30 days on electronics, customized jewelry and other items including mattresses. Macy's has a number of limitations on items from furniture to jewelry.
Online retailers like Amazon.com and Overstock.com have strict limitations on what can be returned. For example, Amazon does not allow computers to be returned after 30 days and Overstock doesn't accept returned TVs over a certain size.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
Most retailers have perfectly reasonable return policies, but some are better than others, according to Consumer Reports senior editor Tod Marks. "With so many stores selling the same or similar merchandise, where you buy can almost be as important as what you buy," said Marks, who pens the "Tightwad Tod" shopping blog on www.ConsumerReports.org. "However, there is good news: Most big retailers will generally accept returns on merchandise purchased between November and Christmas through the end of January."
Hassle-free return tactics
Because even the best gifts don't always fare well with recipients, it's best to be prepared before the purchase is made. Check privacy policies and terms of agreement, not just the returns section of a retailer's site. Consumer Reports also recommends shoppers should:
-- Get a receipt or gift receipt. Despite longer grace periods, retailers
are becoming more insistent on a receipt in order to get a refund, and
they're more inclined to turn away customers without proof of
purchase. Without a receipt, they may offer a store credit for the
lowest price the item sold for.
-- Keep packaging intact. Stores are likely to refuse a return if the
packaging materials are open or discarded. Even a missing instruction
manual, cords and cables or warranty card can give retailers reason to
deny the return.
-- Be wary online. Don't just throw it in a box and mail it back. Online
returns usually require a packing slip (typically included in any gift
order), and a return authorization number. Call ahead to ensure that
all requirements are being met.
-- Don't break seals or cut out UPC codes. Items like computer software,
video games, CDs and DVDs aren't generally returnable for another
title after the seal has been broken. If an item comes with a rebate
offer, make sure it works before removing the UPC code to redeem the
rebate.
Don't get stuck paying restocking fees
A restocking fee is a fee imposed on a consumer who returns an item. It covers the cost of processing the return, the costs associated with returning the item to the store's shelves, and any lost revenue as a result of the store's inability to sell that item as new. More products carry a restocking fee if the package has been opened, but if the item is defective before it's used, the store should not charge a restocking fee.
Typically fees range from 10 to 15 percent of the purchase price. Items more likely to have restocking fees include camcorders, TVs, digital cameras, and computers; however Consumer Reports found some not-so-hot returns policies that harbor a variety of restocking fees, including:
-- Amazon.com: 15% restocking fees for computers and fine jewelry.
-- Best Buy: 15% restocking fees on laptops, camcorders, digital cameras
and GPS navigators.
-- Bidz.com: 15% restocking fee on all items. Plus shoppers have only 15
days to return items.
-- Sears: 15% restocking fee applies to electronics products returned
without the original box, used, and without all of the original
packaging. The penalty also applies to some other products.
-- Home Depot: special-orders and some cancelled orders are subject to a
15 percent restocking fee.
-- Macys: 10% restocking fee on furniture.
-- Newegg.com: 15% restocking fee on all major purchases if the box is
opened.
The bottom line when it comes to restocking fees: Don't open the package unless there is no possibility of a return.
The best policies
Consumer Reports scanned various policies at a number of notable retailers and found the return period ranged from 30 days to as many as 180 days. Standout retailers to make Consumer Reports' list for best policies include Bed, Bath & Beyond, Bloomingdale's, Costco, Ikea, Kmart, Kohl's, Lowe's, Nike, Nordstrom, Piperlime.com, Sam's Club, and Shoebuy.com.
Some chains offer exemplary policies year round including Orvis, LL Bean, Land's End, and Zappos. All four retailers will take back unwanted merchandise, no questions asked. Zappos gives you a year to decide and asks that the goods be returned in their original packaging and condition. The others simply say you can return anything at any time for any reason.
Major retailers: what to expect
Wal-mart allows for 90 days for a full refund, except for electronics (it's 15 to 45 days depending on the gadget). Target grants 90 days for a refund with a receipt (some electronics have a 15% restocking fee). An even exchange is offered without a receipt, up to $70 worth of merchandise within a year.
Sears has a 90-day refund or exchange policy for most goods, 30 days on electronics, customized jewelry and other items including mattresses. Macy's has a number of limitations on items from furniture to jewelry.
Online retailers like Amazon.com and Overstock.com have strict limitations on what can be returned. For example, Amazon does not allow computers to be returned after 30 days and Overstock doesn't accept returned TVs over a certain size.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
Thursday, December 17, 2009
Consumer Reports Poll: 40 Percent of Adults Have Yet to Begin Holiday Shopping
/PRNewswire/ -- Many Americans have put off shopping for holiday gifts. As of December 6th, 40 percent of adults said that they have yet to hit the stores for gifts, according to Consumer Reports' latest Holiday Shopping Poll.
They also told Consumer Reports that, on average, they will be spending $699 on holiday gifts. The full poll results are available on www.ConsumerReports.org.
Over the past three holiday shopping seasons, the average amount shoppers plan to spend on gifts has declined steadily. In 2008, shoppers anticipated spending $740, on average, down from $763 in 2007. While planned spending has decreased by $64, the number of gifts shoppers plan to buy has not changed. On average, shoppers plan to buy 15 gifts, which is about the same number as in previous years.
The next few weeks may be frantic for many shoppers, as only 12 percent have finished their holiday shopping and nearly one-third (30%) do not anticipate finishing until December 23 or later. Just over one-in-ten (13%) shoppers will not finish until December 24. And finding that perfect gift may be problematic for procrastinators, as a third (34%) of consumers who have started gift shopping have found an item they wanted was out-of-stock.
"The findings clearly show that Americans are taking a pragmatic approach to the holidays. And that's a good thing," said Tod Marks, senior editor and shopping expert for Consumer Reports. "Consumers are spending a bit less, focusing on more practical gifts, and vowing to take on less debt and pay it off sooner."
Consumer Reports' survey also found that 68 percent of credit card users plan to pay off their holiday debt by the end of January. These intentions seem ambitious, but in recent years adults have become more diligent in paying off their holiday debt.
Best Holiday Bargains
-- Survey respondents told Consumer Reports that they were finding the
best deals at mass merchandisers (41%) such as Walmart and Target, and
online retailers (39%).These were followed by department stores (21%),
discount stores (16%) such as TJ Maxx and Marshalls, outlet stores and
malls (12%), and warehouse clubs (11%).
Methods of Payment
-- About three-quarters (76%) of shoppers use cash to pay for their
holiday purchases, leading both debit cards (51%) and credit cards
(48%) by a wide margin. Men (41%) are more likely than women (29%) to
use cash most often.
-- Since 2007, the amount that consumers charge on credit cards to pay
for holiday purchases has steadily decreased. Shoppers who plan to
use their credit cards told Consumer Reports that they intend to put
less on them this year, charging $636 on average versus $682 in 2008
and $723 in 2007.
Credit Card Debt
-- Credit card users paid off their credit card debt faster last holiday
season than the preceding year. By the end of January 2009, 61
percent had paid off their credit card debt incurred during the 2008
holiday season, compared to 53 percent in 2007. However, just over
one-quarter (27%) did not pay off their 2008 holiday debt until March
2009 or later.
Give, Receive & Re-Gift
-- On average, consumers plan on buying about 15 gifts. Women plan on
buying more gifts than men, 16 compared to 13. And those getting
gifts this season may actually find them useful, as 34 percent of
adults told Consumer Reports that they are more likely to buy
practical gifts this year. This is good news for the 30 percent of
adults who said they wanted to receive more practical gifts. Although
practical gifts are not guaranteed to be good, especially if they come
from an extended family member, who 15 percent reported give the worst
gifts. Parents (6%) and in-laws (7%) are less likely to give the
worst gift. Seen that gift before? Look closely, as 15 percent of
gift shoppers reported that they will practice re-gifting this year.
Online Shopping
-- The percentage of shoppers who plan to buy gifts online continues to
increase. This year, 39 percent of shoppers plan to purchase gifts
online between early December and the holidays, up from 31 percent in
2006. And when it comes to online shopping, men (44%) are more likely
than women (34%) to do so.
Post-Holiday Shopping
-- According to the Consumer Reports' poll, nearly half (46%) of adults
plan to shop in-stores between Christmas and New Years, with most
being drawn into the stores to take advantage of post-holiday sales
(81%) and 69 percent planning to shop for themselves.
Wishing the Holidays Away
-- Bah humbug! As of December 6th, about one in five (21%) adults said
they wished the holidays were over.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
They also told Consumer Reports that, on average, they will be spending $699 on holiday gifts. The full poll results are available on www.ConsumerReports.org.
Over the past three holiday shopping seasons, the average amount shoppers plan to spend on gifts has declined steadily. In 2008, shoppers anticipated spending $740, on average, down from $763 in 2007. While planned spending has decreased by $64, the number of gifts shoppers plan to buy has not changed. On average, shoppers plan to buy 15 gifts, which is about the same number as in previous years.
The next few weeks may be frantic for many shoppers, as only 12 percent have finished their holiday shopping and nearly one-third (30%) do not anticipate finishing until December 23 or later. Just over one-in-ten (13%) shoppers will not finish until December 24. And finding that perfect gift may be problematic for procrastinators, as a third (34%) of consumers who have started gift shopping have found an item they wanted was out-of-stock.
"The findings clearly show that Americans are taking a pragmatic approach to the holidays. And that's a good thing," said Tod Marks, senior editor and shopping expert for Consumer Reports. "Consumers are spending a bit less, focusing on more practical gifts, and vowing to take on less debt and pay it off sooner."
Consumer Reports' survey also found that 68 percent of credit card users plan to pay off their holiday debt by the end of January. These intentions seem ambitious, but in recent years adults have become more diligent in paying off their holiday debt.
Best Holiday Bargains
-- Survey respondents told Consumer Reports that they were finding the
best deals at mass merchandisers (41%) such as Walmart and Target, and
online retailers (39%).These were followed by department stores (21%),
discount stores (16%) such as TJ Maxx and Marshalls, outlet stores and
malls (12%), and warehouse clubs (11%).
Methods of Payment
-- About three-quarters (76%) of shoppers use cash to pay for their
holiday purchases, leading both debit cards (51%) and credit cards
(48%) by a wide margin. Men (41%) are more likely than women (29%) to
use cash most often.
-- Since 2007, the amount that consumers charge on credit cards to pay
for holiday purchases has steadily decreased. Shoppers who plan to
use their credit cards told Consumer Reports that they intend to put
less on them this year, charging $636 on average versus $682 in 2008
and $723 in 2007.
Credit Card Debt
-- Credit card users paid off their credit card debt faster last holiday
season than the preceding year. By the end of January 2009, 61
percent had paid off their credit card debt incurred during the 2008
holiday season, compared to 53 percent in 2007. However, just over
one-quarter (27%) did not pay off their 2008 holiday debt until March
2009 or later.
Give, Receive & Re-Gift
-- On average, consumers plan on buying about 15 gifts. Women plan on
buying more gifts than men, 16 compared to 13. And those getting
gifts this season may actually find them useful, as 34 percent of
adults told Consumer Reports that they are more likely to buy
practical gifts this year. This is good news for the 30 percent of
adults who said they wanted to receive more practical gifts. Although
practical gifts are not guaranteed to be good, especially if they come
from an extended family member, who 15 percent reported give the worst
gifts. Parents (6%) and in-laws (7%) are less likely to give the
worst gift. Seen that gift before? Look closely, as 15 percent of
gift shoppers reported that they will practice re-gifting this year.
Online Shopping
-- The percentage of shoppers who plan to buy gifts online continues to
increase. This year, 39 percent of shoppers plan to purchase gifts
online between early December and the holidays, up from 31 percent in
2006. And when it comes to online shopping, men (44%) are more likely
than women (34%) to do so.
Post-Holiday Shopping
-- According to the Consumer Reports' poll, nearly half (46%) of adults
plan to shop in-stores between Christmas and New Years, with most
being drawn into the stores to take advantage of post-holiday sales
(81%) and 69 percent planning to shop for themselves.
Wishing the Holidays Away
-- Bah humbug! As of December 6th, about one in five (21%) adults said
they wished the holidays were over.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
Tuesday, November 17, 2009
Poll: Georgians Cautious with Spending This Holiday Season
/PRNewswire/ -- Georgians are planning to spend money carefully this holiday season, and overwhelmingly, they don't want to rack up enormous credit card bills in the process, according to a new poll from Georgia Credit Union Affiliates (GCUA).
The Georgia Credit Unions' Holiday Spending Poll of 1,000 credit union members from across the state revealed that 52 percent plan to spend less than they did last year, while 45 percent plan to spend the same as last year and only 3 percent plan to spend more. Concurrently, 76 percent of Georgians polled plan to pay for all or most of their purchases with cash, and only 12 percent are planning to use a credit card to make their purchases, the poll showed.
These results mirror the findings from another recent GCUA poll that found 46 percent of Georgians are spending less overall now compared to one year ago, with an additional 41 percent spending the same as they did a year ago. Only 13 percent are spending more overall now than at this time last year.
"Clearly, Georgians are concerned about their financial well-being, so they are looking to spend money more vigilantly now than in previous years," said Mike Mercer, president and CEO of GCUA. "It's one thing to spend money, but it's another to spend money wisely. While Georgians will still spend money to enjoy the holiday season, they're not going to take on more debt to do it; instead, they are looking at their finances with an eye toward the future."
Of those polled, 59 percent plan to spend less than $500 on gifts this holiday season, while 31 percent plan to spend between $500 and $1,000. Meanwhile, a small pocket - 10 percent - plan to spend more than $1,000. Additional details and charts of the poll results are available at www.georgiacreditunions.org.
Credit unions throughout Georgia this year are marking the 100th anniversary of cooperative financial institutions in the U.S., and the 75th anniversary of the Georgia Credit Union League. Last month, credit unions in Georgia celebrated "A Century of Good Advice," which included the release of a poll on the savings and spending habits of Georgia consumers and the debut of a short online video.
The poll results and video are available at www.georgiacreditunions.org.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
The Georgia Credit Unions' Holiday Spending Poll of 1,000 credit union members from across the state revealed that 52 percent plan to spend less than they did last year, while 45 percent plan to spend the same as last year and only 3 percent plan to spend more. Concurrently, 76 percent of Georgians polled plan to pay for all or most of their purchases with cash, and only 12 percent are planning to use a credit card to make their purchases, the poll showed.
These results mirror the findings from another recent GCUA poll that found 46 percent of Georgians are spending less overall now compared to one year ago, with an additional 41 percent spending the same as they did a year ago. Only 13 percent are spending more overall now than at this time last year.
"Clearly, Georgians are concerned about their financial well-being, so they are looking to spend money more vigilantly now than in previous years," said Mike Mercer, president and CEO of GCUA. "It's one thing to spend money, but it's another to spend money wisely. While Georgians will still spend money to enjoy the holiday season, they're not going to take on more debt to do it; instead, they are looking at their finances with an eye toward the future."
Of those polled, 59 percent plan to spend less than $500 on gifts this holiday season, while 31 percent plan to spend between $500 and $1,000. Meanwhile, a small pocket - 10 percent - plan to spend more than $1,000. Additional details and charts of the poll results are available at www.georgiacreditunions.org.
Credit unions throughout Georgia this year are marking the 100th anniversary of cooperative financial institutions in the U.S., and the 75th anniversary of the Georgia Credit Union League. Last month, credit unions in Georgia celebrated "A Century of Good Advice," which included the release of a poll on the savings and spending habits of Georgia consumers and the debut of a short online video.
The poll results and video are available at www.georgiacreditunions.org.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
Tuesday, October 27, 2009
The Votes Are In, Spiders Win
/PRNewswire/ -- Results from Orkin's first-ever "Scariest Pest Halloween Poll" reveal spiders, one of Halloween's quintessential icons, are the scariest pests of 2009. According to Orkin experts, the pests people consider (and voted) the scariest are not necessarily the most dangerous.
From October 1 - 23, the Atlanta-based pest control leader invited people to vote online at Halloween.Orkin.com for one of six spine-chilling pests. Following are the scariest pest rankings and percentages from the online poll:
1. Spooky spiders (30 percent)
2. Hair-raising rodents (27 percent)
3. Creepy cockroaches (23 percent)
4. Terrifying ticks (10 percent)
5. Freaky flying/stinging insects (6 percent)
6. Menacing mosquitoes (4 percent)
Similar to plastic spider rings and cotton web decorations that run rampant this holiday season, most of the 3,500 spider species found in the United States - even if they bite - cause little harm to humans. However, the following few spider species rank among the most dangerous pests in North America because of their potentially harmful and even deadly bites:
-- Black widows
-- Brown widows
-- Brown recluses
-- Hobo spiders
According to Ron Harrison, Ph.D., technical director for Orkin, Inc., the few dangerous spider species like the black widow and brown recluse are so well known that people overlook the great benefit spiders provide. "Their food sources - moths, flies, cockroaches, bees and other bugs - are the same insects that pester us. Because of that, their presence in or around our homes is a good indicator that we have a larger pest issue that needs attention."
Harrison does not ignore the fact that most people consider spiders scary, or that they should protect themselves against spider bites. He offers these tips to make homes less attractive to spiders:
-- Target their food source. Contact a licensed pest management
professional to first control the insects that are attracting spiders
to your home.
-- Sweep, dust, clean and remove clutter to make areas uncomfortable for
spiders, which often like to hide.
-- Seal off potential entries like cracks and crevices, spaces under
doors, holes in screens, etc.
Harrison also warns that homeowners should understand the risks posed by rodents, cockroaches, mosquitoes, ticks and flying/stinging insects. Although not voted the scariest, these pests are some of the world's most dangerous because of the diseases they can carry and health threats they pose.
Following are Harrison's rankings for the most dangerous pests:
1. Blood-Suckers: Mosquitoes top Harrison's list as they pose a
significant danger to public health throughout the world - transmitting
West Nile virus, malaria and yellow fever. Harrison warns that ticks -
associated with Colorado Tick Fever, Rocky Mountain Spotted Fever and
Lyme disease - are actually the number one transmitter of disease in
the U.S. According to the Centers for Disease Control and Prevention
(CDC), over 28,000 confirmed cases of Lyme disease were reported in the
U.S. in 2008.
2. Creepy Crawlers (including poll-topping spiders): In addition to
eliciting a scream, rodents can transmit numerous diseases - including
Hantavirus pulmonary syndrome and LCMV - through their urine, feces and
bites. Cockroaches can cause more than the chills, transferring
pathogens from the decaying matter they live and breed in to food and
food-preparation areas. With their cast skins producing allergens,
cockroaches have been proven to cause allergic reactions and even
asthma.
3. Stingers: Some species of flying and stinging insects are known to
protect their nests aggressively and inflict painful stings on
intruders. Stings from yellow jackets, hornets and wasps can cause
swelling, become infected easily and also aggravate skin conditions and
allergies.
According to Orkin, Halloween's cold weather often sparks an increase in activity from the creepy crawlers, but whatever the season, people should protect themselves and their homes from these scary and potentially dangerous pests. For more facts about frightful pests, visit orkin.com.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
From October 1 - 23, the Atlanta-based pest control leader invited people to vote online at Halloween.Orkin.com for one of six spine-chilling pests. Following are the scariest pest rankings and percentages from the online poll:
1. Spooky spiders (30 percent)
2. Hair-raising rodents (27 percent)
3. Creepy cockroaches (23 percent)
4. Terrifying ticks (10 percent)
5. Freaky flying/stinging insects (6 percent)
6. Menacing mosquitoes (4 percent)
Similar to plastic spider rings and cotton web decorations that run rampant this holiday season, most of the 3,500 spider species found in the United States - even if they bite - cause little harm to humans. However, the following few spider species rank among the most dangerous pests in North America because of their potentially harmful and even deadly bites:
-- Black widows
-- Brown widows
-- Brown recluses
-- Hobo spiders
According to Ron Harrison, Ph.D., technical director for Orkin, Inc., the few dangerous spider species like the black widow and brown recluse are so well known that people overlook the great benefit spiders provide. "Their food sources - moths, flies, cockroaches, bees and other bugs - are the same insects that pester us. Because of that, their presence in or around our homes is a good indicator that we have a larger pest issue that needs attention."
Harrison does not ignore the fact that most people consider spiders scary, or that they should protect themselves against spider bites. He offers these tips to make homes less attractive to spiders:
-- Target their food source. Contact a licensed pest management
professional to first control the insects that are attracting spiders
to your home.
-- Sweep, dust, clean and remove clutter to make areas uncomfortable for
spiders, which often like to hide.
-- Seal off potential entries like cracks and crevices, spaces under
doors, holes in screens, etc.
Harrison also warns that homeowners should understand the risks posed by rodents, cockroaches, mosquitoes, ticks and flying/stinging insects. Although not voted the scariest, these pests are some of the world's most dangerous because of the diseases they can carry and health threats they pose.
Following are Harrison's rankings for the most dangerous pests:
1. Blood-Suckers: Mosquitoes top Harrison's list as they pose a
significant danger to public health throughout the world - transmitting
West Nile virus, malaria and yellow fever. Harrison warns that ticks -
associated with Colorado Tick Fever, Rocky Mountain Spotted Fever and
Lyme disease - are actually the number one transmitter of disease in
the U.S. According to the Centers for Disease Control and Prevention
(CDC), over 28,000 confirmed cases of Lyme disease were reported in the
U.S. in 2008.
2. Creepy Crawlers (including poll-topping spiders): In addition to
eliciting a scream, rodents can transmit numerous diseases - including
Hantavirus pulmonary syndrome and LCMV - through their urine, feces and
bites. Cockroaches can cause more than the chills, transferring
pathogens from the decaying matter they live and breed in to food and
food-preparation areas. With their cast skins producing allergens,
cockroaches have been proven to cause allergic reactions and even
asthma.
3. Stingers: Some species of flying and stinging insects are known to
protect their nests aggressively and inflict painful stings on
intruders. Stings from yellow jackets, hornets and wasps can cause
swelling, become infected easily and also aggravate skin conditions and
allergies.
According to Orkin, Halloween's cold weather often sparks an increase in activity from the creepy crawlers, but whatever the season, people should protect themselves and their homes from these scary and potentially dangerous pests. For more facts about frightful pests, visit orkin.com.
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
Monday, June 22, 2009
Recent Poll by Progressives for Immigration Reform Shows Concern Among Liberals and Progressives Over Current Immigration Levels
/PRNewswire/ -- A nationwide poll of 600 self-indentified liberals and progressives shows that liberals are concerned about the current levels of immigration into the United States and the harmful effect that current immigration policies are having on U.S. population growth, the environment, and the availability of jobs. The poll was conducted by Pulse Opinion Research, LLC in April 2009.
Key findings of the poll revealed:
-- Sixty seven percent of liberals and progressives felt the level of
population growth caused by immigration negatively impacts the quality
of life in the United States.
-- Fifty eight percent felt that the current levels of immigration are
harmful to the environment.
-- Sixty three percent said that current levels of immigration hurts job
prospects for American workers.
-- With regard to undocumented workers already here, the poll revealed
that self-identified liberals are split over whether illegal
immigrants should be offered an amnesty. Fifty three percent were in
support of a pathway to citizenship and forty five percent were
opposed.
"The results of this poll demonstrate what many on the political left have known for some time. Immigration is not a partisan issue. There are many progressives and liberals that are concerned about the unintended consequences that large scale immigration has on the environment, economy, and other issues that many liberals are concerned about," says Leah Durant, Executive Director of Progressives for Immigration Reform. "It is time to take this issue off the back burner. We need to talk frankly about the effects of immigration and find solutions that benefit both Americans and the global community."
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
www.politicalpotluck.com
Political News You Can Use
Key findings of the poll revealed:
-- Sixty seven percent of liberals and progressives felt the level of
population growth caused by immigration negatively impacts the quality
of life in the United States.
-- Fifty eight percent felt that the current levels of immigration are
harmful to the environment.
-- Sixty three percent said that current levels of immigration hurts job
prospects for American workers.
-- With regard to undocumented workers already here, the poll revealed
that self-identified liberals are split over whether illegal
immigrants should be offered an amnesty. Fifty three percent were in
support of a pathway to citizenship and forty five percent were
opposed.
"The results of this poll demonstrate what many on the political left have known for some time. Immigration is not a partisan issue. There are many progressives and liberals that are concerned about the unintended consequences that large scale immigration has on the environment, economy, and other issues that many liberals are concerned about," says Leah Durant, Executive Director of Progressives for Immigration Reform. "It is time to take this issue off the back burner. We need to talk frankly about the effects of immigration and find solutions that benefit both Americans and the global community."
-----
www.fayettefrontpage.com
Fayette Front Page
www.georgiafrontpage.com
Georgia Front Page
www.politicalpotluck.com
Political News You Can Use
Subscribe to:
Posts (Atom)
