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How to Be Prepared for Black Friday 2013

Shopping for the best 2013 Black Friday Deals? This year, things may be a little different. Be prepared with the following tips, and you’ll get the best prices without being overwhelmed. It is solid advice to get you through the most important shopping day of the year. By making the following preparations now, you’ll be sure not to lose out on those bargains and at the same time, have everything be a positive and fun experience. Prepare for the Changes Swallow that turkey and be out the door by early evening if you want to start your Black Friday shopping. … Continue reading →

Can Sweepstakes Get You Out of Debt?

As you look at your pile of bills, at the roof that needs to be fixed, at the fact that at least one of your children may need braces, do you dream of winning a big dollar sweepstakes that would take care of your problem? For “sweepers,” those who make a hobby, or even a living, out of entering sweepstakes, the dream may not be so far from a reality. Entering sweepstakes can pay off and may even be able to get you out of debt, if you don’t spend more than you win, if you apply the bulk of … Continue reading →

Three New Coupon Rules You Need to Know Now

Coupons can certainly help us save big on our grocery bill, but my how times have changed. Gone are all of the overage and cash back deals or using multiple coupons for the same products (although you still see some of these practices being done on Extreme Couponing shows, since the stores will usually waive their normal current policies in order to participate). In the wake of the extreme couponing craze, as well as extreme couponing fraud, stores and manufacturers have changed their policies, implemented new restrictions, issued less valuable coupons and made getting some coupons more difficult. In response, … Continue reading →

How to Prepare Your Child for a Real Job

If you don’t want to be the family with the 20-something adult child laying on your couch, then you have to get started early with helping to prepare your kid for his or her first real job, one that can support a basic lifestyle and have an expectation of self sufficiency. Ideally, you have been giving your child or children important money lessons since they were preschoolers, but the most critical time comes when they reach the age of 13 or 14. That is when they need to know that when they become adults, they will be expected to hold … Continue reading →

Your Guide to Insurance Savings

Everyone has to carry some form of insurance, whether it is homeowners insurance, renters insurance, auto insurance or private medical insurance. Being able to find ways to reduce the amount that you have to pay on your premiums is important. With less money leaving your family budget for insurance, you’ll have more money for savings and other needed expenses. 1. Raise your deductible If your insurance deductible is less than $500, consider raising it to at least that amount. The higher your deductible, the lower your insurance rate. The deductible is the amount that you will pay first before the … Continue reading →

Could You Do Things Ahead Of Time?

Today, as I was looking around online to see how other home – based professional parents manage to balance family, home, and business, I came across a very interesting tip on the Simple Mom blog. According to Mandi, who wrote the blog post, the secret to success for home – based professional parents is getting things done ahead of time. Of course, this advice had me scratching my head for a good few minutes while I let the idea sink in. Get things done ahead of time? As in having all of my blog posts written before the last day … Continue reading →

Insurance Blog Week in Review – July 8 – 14, 2012

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Every week, the Insurance Blog Week in Review brings you a quick and easy way to “ketchup” on the blogs that have been posted here in the past seven days. There could be anywhere between twelve and fourteen blogs that appear. Which ones did you miss? Jan Brewer Wants to Take Away Health Insurance Benefits Arizona Governor Jan Brewer wants the Supreme Court to allow her to terminate health insurance coverage for the same-sex partners of state workers. An appeals court would not allow her to do that. The Insurance Podcast Roundup went up on July 9, 2012. This time, … Continue reading →

Help Your Child Cope With Fireworks Displays

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Traditionally, the way to celebrate the Fourth of July is to observe a loud, colorful, fireworks display. Kids with certain types of special needs may have difficulty coping with what many adults see as an enjoyable form of entertainment. Here are some tips parents can use to help their child cope with the sensory aspects of Independence Day. The Fourth of July might very well be the loudest holiday of the entire year. We have bright and booming fireworks displays at night, and start the day with the screaming sirens of fire engines in the Independence Day parade. This can … Continue reading →

How Prepared Are You?

Brush fires are common here in Utah. Our climate is particularly dry and the heat has definitely hit early this year. The number of fires is astounding. Most are kept under control, but what happens when you find your home is threatened by these deadly flames? Many people have been evacuated from their homes tonight as another such fire has come dangerously close to their homes. Whenever I hear of natural disasters such as these I am reminded just how unprepared I really am for them. What do you take with you when you have only moments to clear your … Continue reading →

Getting Ready for Spring Cleaning: What You’ll Need

Make your spring cleaning as painless as possible by being prepared. Here is what you will need to make your spring cleaning go smoothly. Attitude Having a positive outlook will go a long way to making spring cleaning something to look forward to rather than something to dread. Instead of focusing on the amount of work or the tedium of the job, instead concentrate on the results. Think about how good you will feel when the spring cleaning is completed. Visualize enjoying your favorite activities in your nice, clean and clutter free home. Build in some rewards to help reinforce … Continue reading →