Feb 272012
 
With so many giveaways coming to an end soon – I thought I would remind you this way so that you could come up with a game plan that works for you, should you want to enter (reminders are my best friends).  
The giveaways in BOLD end this month – which the last day of this month is Wednesday, Leap Day.  For Leap Day – I have a special giveaway happening that day – so keep your eyes on the look out for that post which should go live Tuesday. This particular giveaway is a Flash – One Day giveaway to honor Leap Day.
  • $100 Amazon Twitter Blast Giveaway – 3/1
  • $700 Winter Blast of Cash Giveaway 3/4
  • February EXTREME CASH GIVEAWAY – 5 Prizes 3/15
  • Grand Event Cash Giveaway – Enter to win $1000 Paypal Cash – 2/29
  • LUCKY 13 Coupon Club Rafflecopter Monthly Giveaway 3/4
  • Mega Ad Campaign – Win Free Blog Promotion – 3/
  • My Memories Scrapbook Review and Giveaway 3/7
  • Perplexus Review and Giveaway – 2/29
  • Swagbucks 4th Birthday Bash – Enter to Win $1000 – 2/27
  • Novica $40 Gift Code – (they have exquisite hand crafted items) -3/18
Best of luck to all of you!  Remember – if you don’t enter, you have no chance at all of winning :(.
Feb 252012
 

It’s not too late to join in on the Swagbucks Birthday Bash…read all about it here if you’re not familiar with it. If you haven’t entered the giveaway where four (4) members will win $1,000 – enter HERE

Need to sign up?  Do so HERE – you’ll get an extra bonus of 100 Swagbucks for signing up now!

Here’s what they have to say:

1. The Birthday Bash everyone has been RSVPing for is going to be a 24-hr Team Challenge. That means every Swag Buck they earn on that day from Search, Special Offers/Daily Deals, SBTV, Surverys and Tasks will also count toward their party’s total. The party with the most SB earned will give out a 10 Swag Buck bonus to each member who contributes; the other party will get a bonus of 5 Swag Bucks each.

We’re also awarding the top earner from each party with a bonus of 100 Swag Bucks and the title of Party Animal!

By now, if you’re attending one of the parties you’ve noticed the giant pink and green puzzle. Behind that puzzle is the picture of your party. On the 27th, we’ll reveal one piece for you, but to reveal the rest, your party has to collectively hit a series of earning goals, one for each category. When you hit the goal, a piece of the picture is revealed! There will be meters to help you track your team’s progress. If you reveal the whole picture before midnight, ALL PARTY BONUSES ARE DOUBLED!

2. We’re having an all-day Swag Code extravaganza on Monday – 130 Swag Bucks in codes will be given out over the course of 24 hours, meaning everyone from night owls to early risers will be able to get Swag Codes!

Happy Swaggin’!

Feb 252012
 

Purex is at it again.  They’ve launched their free sample product promotion once again.  You have the choice of receiving a sample of their triple action liquid laundry detergent OR a sample of their new Ultra Packs. If you’re undecided on which you’d like to try or want more info – read my recent reviews on both products:

  • Purex Triple Action UltraPack Liquid Laundry Detergent Review 
  • Purex Triple Action Liquid Review

Go {here} to sign up for your free sample.

Feb 242012
 
Are you a fan of unique quality gifts? I am – I just love ‘unique’ anything. Hence, when I had the chance to work with the Novica Company – I was elated. Novica is actually associated with National Geographic and their products are all hand crafted by artists and artisans around the world. Recently, Novica launched Novica Live – a Home Party business (check out the fantastic opportunity below) featuring all hand crafted items. Their products range from silver cocktail rings, cardigans, amber earrings, and silver pendant necklaces. And, that’s not all. You’ll find unique baskets, knick-knacks, home decor and furniture, area rugs and so much more at Novica.

My job was to choose a product to review. I found myself literally on a mission – a mission where I needed to find the perfect item to give my daughter to treasure forever. The reason behind this goes back to when I was a little girl. I was about 7 yrs. old and my dad brought me home a set of bobble head Japanese guy and girl figurines that were hand-crafted by one of his customers. This customer was from Japan. I treasured these bobble heads, not only because they were from him to me, but because they had a history behind them and their creator; and yet more importantly, because my dad passed away shortly after.  I knew him giving them to me meant something special to him as he had once traveled the world in the service. No – I’m not dying, but I would love to give something to my daughter that displayed a meaning behind it that she could treasure forever. The details of those bobble heads were astonishing and I knew the same would be true for any product I choose on the Novica site.  Crafters as such, put so much time and effort into their pieces having a lot of pride in what they create.

So off I was to explore what I could find for that perfect gift.  I started by viewing category by category on the website. I came upon the unique gift section. There I found these beautiful figurines with lots of character that depict Japanese Bobtail Cats (ironic – my dad gave me a gift depicting the Japanese and here I was falling in love with these Japanese Bobtail Cat figurines!). Yes, I fell in love with them, and even more so after reading the complete meaning behind the figurines.

I knew these were the perfect gift for my daughter.  My daughter and I are very much cat lovers and these little guys are suppose to bring good fortune. The raising of their right paw is to attract money and the raising of their left paw is to draw customers.  Okay – she’s only 14, but some day maybe she’ll be in business and need customers.  In the meantime, one is never to young to pass up the chance to attract money!

I continued on moseying throughout the site – I wanted to see more.  I came upon snowmen.  I collect snowmen and love the ones that display a country air.  My eyes laid upon this set of four wooden snowmen ornaments.  Aye yup, my name was written all over them and I knew I had to have them too.

I placed my order – check out was very easy. Now I just neede to await their arrival.  The items I purchased were coming from Bali and Java – so I knew it would take some time before they arrived.  However, I was kept well abreast of their travels through emails and tracking numbers.

Being all too excited when they did arrive, I couldn’t wait to open them. The outer packaging was of a heavy cardboard box.  In each box was what I had ordered – gift wrapped!  I was NOT expecting that at all – and no I didn’t pay for it.  I was so dying to see what the items looked like, but I had to wait until my daughter came home so she could open the package that was hers.  As much as I wanted to, there was absolutely no way I was going to attempt opening hers and then try re-wrapping it – they were too beautifully wrapped…see for yourself:

The white wrap is of a heavy crinkled paper with leaves imprinted on it. The other is of a heavy colored paper.  I finally captured my daughter long enough to open them – WOW – you want to talk about well wrapped – it’s a real good thing I didn’t try to unwrap them! The gift inside the white paper was my daughters and it had several protective layers of wrapping from brown filler paper – and lots of it wrapped around the figurines – to corrugated cardboard and a paper a bit thicker than tissue paper.  The same held true for the smaller package – minus one layer.

Now the fun part – viewing the items.  The bobtail cats are stunning. They’re painted a celadon (cool green) color displaying a subtle crackle finish with very fine details on the paws, face, and neckline.  They are actually bigger than what I thought they would be.  The snowmen – they too are delicately painted, feel like they are of a hollow wood, as they are much lighter than I anticipated them to be considering they are crafted out of wood.  In hand, they depict a country flair just as displayed on the site. I just love them!  These items definitely aired the pride that went into crafting them.

Earlier on I mentioned Novica Live.  What exactly is this recently launched program?  It’s a Gifts and Jewelry Home Party offering the same kind of products you see on the Novica website.  They are looking for consultants to become part of their team.  As a consultant, you can earn trips abroad to NOVICA’s world regions, and FREE handcrafted jewelry & gifts.  In fact, does a trip to Bali sound really cool?

If you’re interested in becoming a consultant, they are offering a fantastic opportunity of doing so for $199.  In return, you’ll receive $400 worth of products and $150 in business materials to get you started in your new business adventure.  This is a fantastic way to earn some extra cash along with having the ability of working out your own schedule.

If you happen to decide to sign on as a consultant – make sure you tell them you heard about this opportunity from a blogger and please use http://fingerclicksaver.com where it’s asked for on the application.

Onto the giveaway!  One lucky winner will win a $40 Gift Code (supplied via email) to use on the Novica website on anything they chose!  Entry is quick and simple – Rafflecopter powered.  Good Luck!


a Rafflecopter giveaway

Feb 232012
 
Institutions offering mortgage loans are a dime a dozen. These days, there is a lot of competition between financial institutions because they all want your business due to the economy. Doing a search for cheap mortgages on Google will pull up approximately 19,100,000 results. That is how many institutions want your business.

Why is this? As once being a bank teller/customer service rep. I learned very quickly it’s not your savings or checking account that makes the bank money (or any other financial institution), it’s the mortgage loans they write. To make a rate look good to you, most banks offer a .25% discount on loans if you have them electronically withdrawn the day they are due. The thing to think about here is could you get yourself a mortgage loan elsewhere that has a lower interest rate and possibly offers you that same .25% electronic withdrawal discount. In this instance, you’d be saving .50% on each payment over the bank that doesn’t offer the lower rate to begin with.

Understandably, there are times when you have to go with the loan rate you’re offered. That was my case due to the type of home we purchased and the assistance attached to the home for my son. This doesn’t mean though that I can’t cut the life of my mortgage therefore saving on interest.  So, how do I do this?  All I need to do is make one extra mortgage payment a year – I could have my mortgage paid off in 15 yrs. on a 30 yr. mortgage. So any time you find yourself with money to spare – even an extra $50, apply it to your mortgage. In the long run you’ll be saving yourself a lot of money on interest.  

In addition, there are many free online mortgage calculators.  If you know the interest rate, the amount you’ll be putting down and for how long you’re looking to borrow the money – you can get a pretty good idea of what your payments would be and how much of your payment goes towards the interest. 
Feb 232012
 
Money isn’t cheap you know and that’s why we try to save whenever and wherever we can. When I need to purchase something I always do my research first online. I look for the product I want by first reading all the reviews and taking into consideration that some reviews written might actually be for the wrong product they are under. In addition, consumers need to remember that some of the reviews they read have been written by individuals who have been paid to write that review. It’s important to consider that factor and the fact if the person who wrote the review wrote it for the right product where there are so many models of the very same product. However home products aren’t the only items you should shop around for.

The same holds true when you’re searching for mortgages. You want to get the most bang for you buck – so why wouldn’t you find the best mortgage deals? I would even say it’s more important to shop around for a mortgage loan. Those loans usually run 15-32 yrs now. A saving of .25 could add up to a lot of money over the term of that loan.

Also – say you are in need of a new vehicle. Shop around at all your local dealerships online to view their inventory also looking at what they are offering for financing.  Just because they offer you financing doesn’t mean you have to finance through them though. You want to get the best bang for your buck, so don’t be afraid to shop other online financial institutions to see what their rates are. I did just this when I needed a new vehicle and it paid off. I was able to tell the finance guy that I knew I could get a better finance rate through xyz online. He tried to convince me .25% or 1% wouldn’t make that much of a difference in my loan payment. Well – that’s not the point. That 1% over 5 yrs. is money that could be in my pocket…not the financial institutions. I could care less if this meant it was only $200 or $1000 over the term of the loan.  Remember – money isn’t cheap and it’s better in your pocket then in theirs!

Feb 222012
 
Win a Free custom Rhinestone T-shirt of your choice from Stylehippo.com

Stylehippo has teamed up with I Love My Kids and few other awesome bloggers to bring you a cool, hip and unique rhinestone t-shirt of your choice for TWO lucky members!


Two lucky readers will receive a Rhinestone t-shirt of your choice

Stylehippo.com makes unique rhinestone t-shirts, accessories, apparel and gifts. They use the highest quality Swarovski Crystals and Rhinestones to make their designs.
 
Stylehippo.com Rhinestone T-shirt are for everyone who wants to stand out from the crowd!


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