Saturday, November 26, 2011

Shopping Overseas - Hidden Fees

by Randal J. Watkins

Once you arrive in a country you are met with all kinds of opportunities to exchange your money. In fact, this can happen on the United States side at the international airport if you are taking off from a large enough airport.

One thing is for certain, you will need money but in what form is best? Should it be credit card, travelers checks or ATM/Debit card? Whatever you decide, make sure that you consult the banking or financial institution of any hidden fees or charges that will be added to your bill.

Travelers Checks - represent one of the safest forms of currency you can select. Although, they do have some drawbacks:

• Many companies, small shops, rural areas or third world countries won't take Travelers Checks. If they do take them they are exchanged at the current rate often with other fees attached.

• Using Travelers Checks for purchases you can be charged a handling fee. Not to mention when you turn them back in their could be additional charges with your bank.

• Be wary of "commission free" offers ... Find out more.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

How Debt Put My Dreams on Hold

From Get Rich Slowly

When we’re young and stupid, we don’t think about how decisions will affect us ten years down the road. Many of us have often said something like, “If I had known then what I know now.” The thing about cliches is that they’re usually founded in truth.

When I graduated from high school, I wanted to be as far away from my family in Virginia as possible ... I wanted to live in New York again, so instead of working my way through and paying in-state tuition, I decided to go to the Rochester Institute of Technology.

To “save” money, I lived with my grandparents in Syracuse and attended a community college whose credits would automatically transfer to RIT after two years. By my second year at community college, I was already taking out loans. Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Should You Borrow From Your 401k?

From Not Made of Money

Many 401k plans will allow you to take out a loan while you are still working for the company. Not only do most plan administrators make the process of borrowing from your 401k easy, but many people have even been convinced that borrowing from their 401k was a smart move because they would just be “borrowing from themselves”.

I know people who have taken out tens of thousands of dollars out of their 401k’s, and have justified it by applying the “I’m just borrowing from myself” logic. Whether they took out the money in order to pay off debt, or simply buy some expensive new toy (or house), it seemed like a harmless thing to do. If they are just paying themselves back with interest, then it’s a “win-win” situation!

This may seem like a good idea at first, but there are a couple of things to consider before making this move ... Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Friday, November 25, 2011

Black Friday Deals

Happy Thanksgiving and Happy Black Friday!

These are national deals, but when you choose a deal below,
be sure to choose your city before shopping.

Verizon Wireless ($25 for $50)

SKECHERS ($20 for $40)

Office Max ($10 for $20)

Hearst Magazines ($5 for $12)

NYTimes ($78 for $130)

FTD ($15 for $35)

Danskin ($20 for $40)

Shoprunner ($30 for $79)

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

Sunday, November 20, 2011

Think Twice on Penny Auction Sites

From PT Money

I have been keeping my eyes peeled for a way to get my Apple fix on the cheap. And that’s how I first heard of penny auctions.

You may have seen commercials for these websites—where you can pick up high priced and in-demand items for pennies on the dollar. Anytime something seems too good to be true, I generally head in the other direction, but I figured an iPad was worth looking further into these auction sites. Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Make A Budget Work For Your Situation

From Not Made of Money

The best budgets are the ones that are specifically crafted to your personal situation. They address the ever changing needs of your life and map out a clear financial picture that shows you exactly where your money is going.

A budget needs to properly address your spending and purchasing habits. Our budget has changed quite a bit over the years to accommodate the changing needs of our growing family. Here’s how to make a budget that works for your situation. Be flexible .... .

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Credit Score Matters If You Don't Borrow

From Money Smart Life

Why does a good credit score matter if you’re not planning to borrow any money? Many of us think that, as long as we already have a house, and we pay for our cars in cash, a good credit score doesn’t matter that much.

Unfortunately, that’s just not the way the system works anymore. Your credit report is a convenient compilation of your financial habits and history, and it is easy to use the information in your credit report — or even to use your credit score — as an indication of what sort of risk you might pose in a number of financial situations.

Judging You Based On Credit History

Anymore, an increasing number of people are making judgments about you based on the information found in your credit report. You may rankle at the injustice, but it’s still there. Here are some of the ways that having a bad credit score can hurt you — even if you don’t want to borrow anything:

Opening a bank account: Believe it or not, there are actually some financial institutions that will run a credit check on you before allowing you to open a deposit account. Before you can open a savings account or a checking account, you might have to submit to a credit check. Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Thursday, November 17, 2011

3 Online Deals For Today

Here's some National Deals from Living Socially, a website we've been getting great local deals at. No spam, no gimmicks; just great savings.

If you missed these sales, click here to find sales in your local area .

1) Purity Cosmetics:
Pay $25 for $50 to spend on cosmetics at this online natural makeup merchant.

2) Gobble Green:
Seven days of vegan or gluten-free vegan meals for $129 (regularly $265).

3) National Hotel Bed Supply:
Pay $49 for a six-piece 100% organic bamboo towel set, including shipping (a $140 value).

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

Monday, November 14, 2011

Protecting Yourself & Family From Flu & Colds

The Boomerang is ON SALE This Week.  
Sale Ends on Monday, November 21, 2011.
Great Health Gift For An Entire Family!

Start Controlling What You Breathe
by Darlyn Britt

The Boomerang utilizes new-generation technology to sanitize the air and surfaces, killing or neutralizing harmful particles, microbes and gases.

Indoor air pollutants are plentiful, and many can be harmful to health. From hair spray to cleaning chemicals, from cigarette smoke to dander, these odors and particles present health challenges to many people—even those without an unusual respiratory intolerance.

Researchers at West Texas A and M University found that Silver+ PCO technology purifies the air and sanitizes surfaces. They measured tremendous reductions in methicillin-resistant Staphylococcus aureus (MRSA) on surfaces after using Boomerang technology.

The study also measured a 75% reduction in fungus/mold, bacteria, viruses and aeroallergens (pollen) after just eight hours of use!

Additional studies showed that microbes exposed to Silver+ PCO technology over longer periods of time were almost completely eradicated. The Boomerang unit sanitizes 2,000 square feet of open living space. 

The Boomerang Air Sanitizer helps neutralize indoor air pollutants, sanitizing and freshening the air you breathe.

This amazing unit:
• Kills airborne microbes and neutralizes pollen and particulates, making the air you breathe cleaner and less harmful.
• Helps neutralize indoor odors of all types—pets, smoke, chemicals, ammonia, etc.
• Costs very little to operate (draws 14 watts of electricity).
• Meets new California guidelines for ozone emission (less than .05 ppm).
• Only available from Nature’s Sunshine.

The Boomerang’s effectiveness comes from a patent-pending Silver+ Photo Catalytic Oxidation (PCO) cell. The cell contains nano-sized metals—silver, nickel and rhodium, and added copper and titanium—that react with photons from a high-grade ultraviolet (UV) light to create millions of redundant oxidizers or negative ions.

Positively charged particles in the air (dust, bacteria, viruses, pollen, etc.) are attracted to negatively charged ions from the Boomerang. They collide and fall to the floor, ready for vacuuming. Negative ions actually neutralize airborne organisms on a cellular level so they can no longer replicate.

Place your Boomerang on a flat surface (counter, shelf ), or mount it on the wall. Then plug it in and forget about it!

The Boomerang:
• Requires no maintenance for up to three years!
• Is safe for pets, even exotic birds.
• Is lightweight and energy efficient; it draws only 15 watts of electricity.
• Features quiet operation—similar to a home computer in noise output.
• Is made in the U.S., using only the highest quality parts.

Start controlling what you breathe with Nature’s Sunshine’s Boomerang Air Sanitizer!

Where Can I Purchase The Boomerang?
Available online at The Herbs Place - Wholesale prices and fast shipping! Shop Now!

Four Reasons to Switch to a Credit Union

From Frugal Dad

Obviously, recent legislation (Dodd-Frank) played its part in motivating banks to add new fees, but since we can vote with our feet (and our dollars), I think it is time to look at alternatives to large banks.

For some reason, and who knows why, there is a sector of banking institutions that just can’t get the love and respect they deserve – credit unions. In the past, you used to have to meet a specific criteria in order to be a member, but now the membership requirements are about as strict as, “you have to drive by our branch at least once a year.” Read the entire article.

Editor's Note:
We transferred our savings accounts over to a local credit union over a year ago. The big banks that used to have good bank ratings no longer are considered that great. You can check out your bank's rating at BankRate.com or a credit unions ratings at BauerFinancial.com.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Checklist for Quitting Your Job

One of the most pervasive dreams in our culture is that of quitting your job. Whether you plan to quit and retire to some beach somewhere, or quit and start your own business so you can be your own boss, leaving a mind-numbing job might be at the top of your bucket list.

It’s important to realize, though, that quitting your job isn’t something that you can just do on a whim. You need to be ready to take that step.

Here is a checklist that can help you as you get ready to move on to a new stage of your career:

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Exemptions for Vaccines for Adults & Children

There's news of a lot of vaccines coming up for adults, not only children. We opted early to refuse vaccines for our child after he received the first one. There was just a knowing within this mother's heart that it was not what I wanted for my child. It didn't make sense to me on an instinctive level.

There are exemptions to avoid vaccines. Some who have never thought about it would wonder why you'd want to avoid vaccines. That's not something I will write about, but you can get a lot of information online if you just search for "dangers of vaccines" or a similar term. Much of the autism is being linked to this and that's been in the news for years, but there's a lot more than that.

You do not need to belong to a church or particular denomination to be able to use a religious exemption available in 48 states. There are 30 states where the conscientious objection is an option.

Dr. Mercola interviews Barbara Loe Fisher, a Co-founder and President of the National Vaccine Information Center. Watch the video here or visit You Tube to view.



Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Tuesday, November 8, 2011

Kids Need Dirt and Grime

It's the basic nature of young children to touch the very things in their environment that their parents find most disgusting. Just try to keep your 1-year old from sticking the dog's bone in her mouth!

After a year of swine flu scares, health authorities imploring regular hand washing, and talk of sanitizer gel like it was liquid gold, it's tough not to worry about what your children are getting into and the ultimate impact it will have on their health.

Infectious diseases are a legitimate cause for concern, but some would argue that our society has gone overboard when it comes to protecting our kids from germs.

How clean an environment do our kids really need for good health? Here's what experts told WebMD.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Smartphones and Identity Theft

Ever thought of how much your phone knows about you?

The increasing use of Smartphones for daily activities, such as emailing, banking, web browsing, shopping, bill tracking, social networking, file storage, and entertainment gives your mobile device the ability to know everything about you.

Your Smartphone’s knowledge, if not protected, is a potential risk to your security and privacy. The ultimate question to ask: Is my privacy and security at risk? Get the Fact Sheet About Securing Your Smartphone.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

5 Great Uses for Fallen Leaves

November’s entrance indicates many events: Thanksgiving, the official start of winter and, as a result, a lawn covered with colorful, fallen leaves left behind by autumn.

The fate of foliage was once left to nothing more than a rake or a leaf-blower. For those with children, a pile of fallen leaves can provide hours of active entertainment. But once the raking and jumping has concluded, banish loose leaves to the curbside no more.

Instead, put them to use with these five creative uses for fallen foliage. Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Wednesday, November 2, 2011

Raising a Baby on a Budget

Your beautiful, little newborn might cost you a pretty penny. You spend almost 10 months preparing for the arrival of your newborn. You buy toys, bassinets, clothes, and books -- not to mention diapers, formula, and countless onesies. But before you spend another dime on baby expenses, maybe you should think about saving a penny -- or two.

"Bringing up a child from birth to 18 years old now costs around $200,000," says Michael Farr, author of A Million Is Not Enough. "And that doesn't include school or college. For new parents, the trick is to buy smart and save wisely."

Here’s a financial and practical guide to bringing up baby on a budget. Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

5 Frugal Tips for a Christmas to Remember

From Frugal Dad

Before I was a frugal Dad, I was a Dad who absolutely dreaded getting the credit card bill in early January.

I would consistently overspend in December on gifts and eating out. Then I would try to figure out how to pay the bills. I knew there had to be a better way and it wasn’t until my first child came along 10 years ago that I took action and developed frugal Christmas spending habits.

As we get close to the craziness of the holiday season, here are my five best tips for keeping this Christmas frugal yet memorable.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Text Message Scams Lead to Identity Theft

An offshoot of "phishing" — emails that try to trick you into disclosing personal or financial information — smishing is named for the SMS (short message service) technology used to send text messages.

As more people have gotten wise to computer-based scams, scammers are increasingly targeting cellphones. Their users are three times more likely to fall for fake messages than computer users, according to online security firm Trusteer; iPhone users are the most vulnerable. Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss
"Simplicity of living, if deliberately chosen, implies a compassionate approach to life. It means that we are choosing to live our daily lives with some degree of conscious appreciation of the condition of the rest of the world." Duane Elgin

"Do what is good with your own hands, so that you might earn something to give to the needy." Ephesians 4:28