Walsh College Offers Free Workshops to Displaced Workers February 20, 2009

There are a lot of individuals in Michigan who are looking for new jobs, changing career paths or looking to start their own business. As one of them I know that this transition can be hard without the right resources. Walsh College of Michigan is offering a series of free workshops to those who have been forced back into the job market. These “Take Charge” workshops are allowing individuals to do just that- take charge of their future and get a new start in the workforce. The workshops offer a range of topics such as: Household Budgeting and Options in Foreclosure; Job Search Strategies; Business Finance Certifications and How To Start Your Own Business.

The workshops are free but registration is required to attend and seating is limited. You can visit the Walsh College website at www.walshcollege.edu/takecharge for more information and to register.

If you don’t live in Michigan, don’t worry, workshops such as these are available all over. Just Google “free workshops for job seekers” in your area.

Win $100,000 for Saving Money February 13, 2009

Someone has finally got it, they’re finally thinking outside the box. People spend countless amounts of money on lottery tickets and slot machines while emptying their savings in hopes that the next one will be the BIG one. If you live in Michigan you may want to keep reading.

Michigan credit unions have created a rewards program that rewards you for saving instead of spending. Simple enough concept right, just wait, it gets better. The “Save to Win” program allows individuals who open accounts in one of the eight participating credit unions, to receive a chance at winning a $100,000 grand prize. Account holders get one entry for every $25 that they save. Don’t worry, the 100 grand isn’t the only prize you’d be vying for, in addition to the grand prize each credit union will award smaller monthly prizes. If you don’t win a prize, don’t worry, because your greatest reward will be a savings account with a balance in the black. Check out michigansavingsraffle.org for rules and a list of participating credit unions.

Happy Saving!

Make Money From Referrals February 6, 2009

If you could (excuse the expression) sell ice to an Eskimo than this post might be for you. With unemployment skyrocketing, many are looking for ways to supplement their income. Since its easier to do what you know, why not take your talents to a new level and make a little money while connecting suppliers to all the right buyers. Referral fees are pretty common practice in business, (I should know, I made $100 in referrals last weekend) but they haven’t been used much online because there was no way to track them. Websites like Salesconx and uRefer not only provide a way to track referrals, but pay out some pretty good cash in the process. On these sites, vendors set the referral fees they’re willing to pay and what they are paying for, and once the transaction is completed you get paid. Visit Salesconx.com and uRefer.com for more information.

The Best Site for Freebies January 30, 2009

I know I’ve posted about this site before (see Who doesn’t Love A Freebie? & Back With The Goods), but I’ve got to admit, it really is the best freebie site out there. Goob over at HeyItsFree.net has the most up to date, organized and easy to use freebie website out there. Oh, and don’t worry, you won’t find those pop-ups or spam filled freebies on his site. Goob even writes a quick blurb on everything he posts. Check out Hey It’s Free.net and load up on some free stuff. Oh and by the way, he’s even giving away $50 Walmart giftcards.

A Treasure Trove for Bargain Hunting Techies January 29, 2009

Today, people all over are looking for ways to add a little extra money to their bank accounts and finding it beneficial to do so by cleaning house. Here is a way to make some cash off of the old cell phones, dvds and computers taking up space in your home.

CEX is a London based electronics resale shop that has opened its doors in the states. They buy, sell and exchange video games, DVDs, HD movies, cell phones, computers, digital electronics and music. You can currently sell a boxed Nintendo DS Lite for $87 or purchase a used one from them for $125. They have everything from iPods to iPhones, plasma TVs to Blackberries. Whether you’re looking to upgrade for a cheaper price or make a little extra cash us.webuy.com (their U.S. website) is worth checking out. Plus you’ll be helping to save the planet. Recycle. Reuse. They currently have stores in New York and Massachusetts.

Free Weight Loss Tools January 28, 2009

I am a Biggest Loser fan and each season I am motivated to loose weight, but I’ll be honest, the excitement tends to fizzle by the 3rd weeks episode and by then I’ve fallen off the wagon. Groups like Weight Watchers, MWL or the Biggest Loser.com, which offer tools and support for those attempting to lose weight, can be costly. These days, five bucks a week can really add up.
It’s really just the free recipes and accountability that I look for.  Spark People.com is a website that caters to those who want all the perks of an online weight loss community without the monetary drain of membership fees. Their free membership offers personalized diet & fitness plan, calorie counter and exercise tracker, fitness videos and demos, articles, recipes, tips a personal homepage & blog, message boards with answers for your questions from dietitians and trainers and a supportive online community. ALL FOR FREE! Check out SparkPeople.com and get started on the new years eve resolution that you make every year.

Free P&G Coupon Book with $50 Purchase January 22, 2009

P&G is offering a coupon book with $120 in saving with the purchase of $50 worth of P&G products such as Tide, Downy, Crest, Gain & Oli of Olay. Check out this link for more info.

You can also sign up for their online coupons and free samples at the site as well. The offer expires 2/14/2009.

My Mac Is Back!! January 22, 2009

Hi all, I’m back.  The Mac is back and running like new. I hope I haven’t lost the few readers that I have. For those of you who have waited patiently, Thank you.  This weekend has been the perfect weekend to get back to work and if you’re in Michigan or anywhere on the east coast, you’re probably still digging your way out of the front door. It hasn’t snowed in a few days, but the residual has not been easy. Got stuck twice yesterday.

I found it incredibly strange that the desktop, my notebook and my husbands’ notebook all decided to poop out at the same time. But I will agree that the time spent unplugged was incredibly refreshing. I found I had a lot more me time than I thought and I plan to unplug for a complete day once a week and for at least an hour each day.  That means no computers, phones, TV, Ipods, etc. We’ll see how the household adjusts. I’ll keep you updated on my progress.

Now let’s get down to business. Each year we all drink our champagne and make our resolutions, like loosing weight or getting organized and drop them a week later.  This year its more important than ever to get organized and get your finances and personal paperwork in order and handling your health benefits are just as important. Unfortunately your health benefits can read like Danish stereo instructions and can be very confusing. The FOR DUMMIES folks have taken these things into consideration and are offering a free copy of Navigating Your Health Benefits For Dummies at www.planforyourhealth.com.

Mom 2 Mom Sales October 7, 2008

A giant black garbage bag full of my kid’s old clothes sat in my hallway for two months, after winter cleaning. It patiently waited for the day I would take it to the goodwill. It never got there. I don’t know about you, but my back to school shopping budget was VERY limited. My children are growing like weeds and I did not want to invest in a pair of $20 jeans for a 3 yr old that would grow out of them in 3 months. I sure I’m not alone in this. I had to get creative and selling blood was only going to get me so much. ( -;

I intended to have a garage sale but my apt. complex doesn’t allow them, so I decided to try my luck at a Mom to Mom Sale. For those of you who don’t know a mom-to-mom sale is an event held by mom groups, churches and schools, where moms get together and sell gently used clothing, shoes, toys, baby gear and many other items. It’s similar to a big garage sale or thrift store.

You will not believe some of the stuff people get rid of. I’ve seen everything from Dior baby pajamas for $5 to brand new unopened Tupperware sets. Of course all sales are different, but with patience you can come across some really good finds. I sold most of the kids old clothes and was able to do most of my shopping there, as well. Any clothes I didn’t sale was donated to the church that hosted the sale. I added enough money to my back to school budget to get everything he kids needed as well as a few pieces for mom.

If you live in Michigan check out www.mom2momlist.com for sales in your area. For those outside of Michigan, contact your local schools, mom groups and churches for information regarding similar sales. You can also check out some of the on-line resale shops listed at mom2momlist.com or just try your local Goodwill, Salvation Army and vintage shops for great deals.

Happy Shopping

Spam supports my habit. October 13, 2008

I like to shop, no I LOVE to shop. Unfortunately, a pink slip can quickly put a stop to any recreational spending.  Money has to be reallocated and spent on more important expenses; leaving very little for things like travel, eating out and new clothes. This was very much the case in my situation. A year after my 2nd child was born I found myself drowning in the maternity clothes that I still wore and in dire need of a new wardrobe. An email led me to the answer. Spam from any other sender is just spam, unless the sender is MyPoints.com. This website turns spam into money. I’ve tried several rewards programs and MyPoints.com has given me the best returns on my points.

It’s really easy, you earn points for doing what you probably already do online: shopping, reading emails, playing games, searching the web and taking surveys. You get about 5 points just for reading emails and the point value increases as you do more. You can redeem your points for gas cards, airline miles, hotel discounts and almost 100 different stores and restaurants. The only downside is waiting for the gift card to arrive in the mail. By the way, be sure to get a junk email address or set up a filter in your personal email, because you’ll be getting a lot of mail.

Who knew your email could pay for your retail therapy.

Bad habits can be hard to break. October 9, 2008

Once again the markets have taken a dump and investors are getting scared. This shows that few have faith in the recent bailout. Do we listen to the “experts” and stay calm or do we continue to watch the news interrupt our viewing pleasure to inform us of another drop in the market. Many are being forced out of their comfort zones and into the unfamiliar territory of cutting back. With today’s uncertain economy and the kung fu grip the banks have on credit, some families have had to make major lifestyle changes. I know I have.

Old habits like mid morning Starbucks runs and late afternoon Victoria Secret Semi-Annual Sale raids during lunch, (guilty of both) will need to be replaced with coupon clipping and unplugging appliances, (guilty again). For many, easier said than done, while others may be wondering what all the complaining is all about. The bottom line is people need to make changes and take responsibility for their finances.

So, how can it be done? A little patience, time, research and organization. The Heinz family featured on Oprah yesterday have turned coupon clipping, carpooling, brown bag lunches and DIY projects into $70,000 in savings.

Here are a few resources to get you started:

• Websites like MSN Money Central, Kiplinger, Geezeo, Mint and many banking/credit websites offer free templates, calculators and budget planning tools to assist in creating and maintaining a budget.
• Coupon clipping gets easier with websites like Coupons.com, CoolSavings.com, and CouponMom by allowing subscribers to print coupons from their computer. Major store chains such as Meijer, Kroger and CVS allow you to  view store ads and print coupons.
• Save some dough with a FDIC insured high yield savings account. Check out FNBO at 3.50%, ShoreBank at 3.50%, E*Trade at 3.30% and HSBC at 3.25%.
• The DIY Network has almost every possible do it yourself project that you can think of.

Designer fashion without the designer price. October 17, 2008

Be honest: how many times have you rewound a dvd just to get a second look at the shoes or dress a character wore? Fashionable movies like SATC and The Devil Wears Prada have one character that have the ability to captivate us without saying a word; the fashion. Unfortunately, all of that beauty comes at a price, and it’s usually a price I can’t afford. Patricia Field, award winning costume designer for Sex and the City, brings that flawless style from the screen to your closet.

Women all over were in search of the infamous blue angel dress that Carrie wore in the SATC movie. Last month, fashionistas everywhere got their chance to dawn the fashions of Carrie, Amanda, Charlotte and Miranda with Patricia Fields new HSN line Destination Style New York.

The line is comprised of 20 complete looks and 60 individual pieces that completely invoke the ladies of SATC.  Whether you’re feeling like a little Carrie or a bit more Amanda-esque today, no problem. HSN will have the look you’re looking for at the price you can afford. The average price is only $75! Can you believe it?  The best part–get this–the pieces come in sizes 2-16. So for some of you ladies with a few extra curves, you can still indulge you inner fashionista with a little SATC style.

Outsmart your pockets with SmartyPig. October 16, 2008

For many, saving money is much like losing weight, for every buck saved, five is spent. Your savings, somehow constantly finding its way to the hole in your pocket, making the goal of saving for those new metallic lizard open toe Manolo sandals with rhinestone buckle at ankle strap virtually impossible. Ooooh Preeettyyy!

West Bank of Iowa has provided a solution to this common problem with SmartyPig.com. This website allows you to set up savings accounts with a specific goal attached. What makes this online banking system different from others is that SmartyPig allows you to make these accounts “public” so that you and others can track your progress towards your established goal. The accounts are FDIC secure and offer a 3.90% interest rate.

When you’ve reached a savings goal, SmartyPig issues you a MasterCard debit card that contains the full balance of your account to spend where you please. To get even more for your money SmartyPig partnered with major retailers to give you a bonus. You will have the option to select a retail store card , which would give you the total savings plus an added incentive of up to 5% of your savings plus interest. In other words, if your savings goal is for a $300 Graco stroller from Amazon, you have the option of getting a Amazon gift card (once you’ve reached your $300 goal) for the $300 plus the added incentives which would raise the total to about $315.

I suggest that you don’t use this as a banking solution for emergency funds and down payments. The site is for those primarily saving for consumer items. The social aspect works best for those who need a support system to reach heir goals. SmartyPig makes you take responsibility and helps you build better financial habits.

Check the Facts. October 15, 2008

Tonight was the last debate and both candidates have pleaded their case. It is now up to us to make up our minds and choose the next President. But, before you go to the polls, take the time to visit Obama’s and McCain’s websites as well as FactCheck.org to make an informed decision. Age, race and sex are definite factors in this historic presidential race, but should definitely not be deciding factors in your decision. The candidates proposed policies and standings on the issues most important to you should determine your choice for President.

The informed voter should be the only voter.

Dirty Tricks – Double Duty Cleaning October 18, 2008

Everyone wants a fresh, clean smelling home, unfortunately dirty diapers, last nights dinner and piles of laundry can take over. It can be oh so tempting to buy all the sweet smelling and daintily packaged cleansers, air fresheners and candles, but the budget conscious know it’s not necessary to invest in expensive products in order to keep your home clean and smelling fresh. You can clean almost anything with a few household items that you probably already have on hand.Today’s double duty item is Baking Soda.

• Instead of buying scented carpet deodorizer, try baking soda. Sprinkle some onto your carpet about 15-30 minutes before you vacuum.
• If you have black heel marks on your vinyl flooring, try sprinkling a little baking soda on the marks and wipe with a damp sponge.
• Pour a cup of baking soda down any drain and follow with a few cups of boiling water to keep drains running well and smelling good.
• Add a half cup of baking soda in the rinse cycle to freshen laundry.
• Out of toothpaste, pour a little baking soda in your palm and dip a damp toothbrush into it to clean teeth. To freshen breath add one teaspoon in half a glass of water, swish, spit and rinse.
• Uh-oh, out of deodorant? Dust a little baking soda under your arms to neutralize odor.
• Use baking soda in the same manner as any other powdered cleanser to clean your tubs, shower curtains, tiles and sinks.
• Pet odors like to linger. Sprinkle some baking soda on the area, wait 15 minutes and vacuum up.
• Clean and deodorize baby toys safely and effectively using 4 tablespoons of baking soda dissolved in 1 quart of warm water. Wash toys with a clean damp sponge or cloth, rinse and dry.
• Freshen stuffed animal by sprinkling baking soda on them, let them set for 15 minutes and brush off.

For tons more double duty uses for baking soda, check out ARM & HAMMER.com.

Who needs cable! November 18, 2008

One of the things that I had to give up to save money was cable. If it weren’t for my children, my library card and my HD TV – which gives me at least one extra channel attached to each regular channel – I would have died of boredom during my first lay-off. It was about a month in (without cable) that I found Hulu.com – a website that brings you free TV clips, shows and movies from popular networks and studios. There’s no accounts to be set up or downloading of streams to view some of your favorite shows. You will have some commercial interruptions, but most are limited and they have a pretty good array of shows to choose from. You can see clips and entire episodes from shows like Heroes, Project Runway, SNL, The Office, Real Housewives and Lipstick Jungle.

Bag, Borrow or Steal no more. October 20, 2008

EXPIRED

That’s right ladies, Bag, Borrow or Steal is no more, at least by that name. The company that provides luxury handbags and accessories to women all over has changed their name to Avelle. There are also reports that they will soon offer evening wear, luggage, shoes, watches and other luxury items. It is alleged that the company’s appearance in the Sex and the City movie has led to a rise in rentals aiding in the company’s sudden growth.

To celebrate their role in the Sex and the City movie Avelle is offering one week free with any monthly rental when you enter promo code 1WEEKFREE at check out. This will give you 4 weeks for the price of 3!

Free Movie October 21, 2008

OK, I’ve got a freebie for you tonight. Michael Moore has a new movie out called Slacker Uprising and he’s giving it away for free. Whether you love him or hate him, you have to admit there’s nothing like a free movie. Add in some popcorn, a box of whoopers and a hot guy martini and I’d call it a night.

Visit slackeruprising.com to download the movie, just click the link, enter your e-mail address, and you’ll then be sent a link to download the movie from. How easy is that. ENJOY

Who doesn’t love a freebie? October 22, 2008

There are millions of freebie websites out there, but I found one that isn’t all advertisement. Heyitsfree.net is completely dedicated to finding the best free stuff on the web. All the work is done for you. Nothing on the site requires money or a credit card, just an email address. Best of all, Goob – the site author – gives the details, a quick review and updates about availability for all of the free stuff. So far, I’ve gotten a free box of cereal, toothpaste, k’nex toy, chocolates and a book. Check it out.

Getting Organized October 23, 2008

I have calendars all over the place. I just noticed that during my pre-winter cleanup. I get all of my dates organized in a calendar and it somehow gets misplaced. Unfortunately my “baby brain” never recovered. Who knows what I’d get done if I didn’t write stuff down.

For all of those out there like me whom could use a little help keeping their family on schedule, I have the perfect website for you, and it’s free.  Cozi.com is a free web service that helps you manage crazy schedules, track shopping and to-do lists, organize household chores, stay in communication and share memories—all in one place. The site is easy to use, completely customizable and is accessible from any computer or mobile phone with internet access. It has been a lifesaver. I love the mobile access feature, it allows you to get your day’s schedule, grocery list, or to-do’s from your cell phone.

The site is focused on families, but anyone with a crazy schedule that needs to be organized can put this service to good use.

Oprah’s Favorite Thing & Mine Too. October 24, 2008

Today Oprah featured the Kindle as one of her favorite things. For all who don’t know, the Kindle is a portable wireless reading device with instant access to more than 190,000 books, blogs, newspapers and magazines. Whether you’re in bed or on the train, Kindle lets you download a book and get it in less than a minute.

I have to admit I have wanted one of these things since it graced the front page of Amazon.com, but I can’t afford the $359 price tag. I’m slowly getting there with my SmartyPig account. For those of you who can afford it, Oprah teamed up with Amazon and they are offering a special offer for Oprah Show viewers, Amazon.com is giving $50 off the price of Kindle. Enter the promotional code OPRAHWINFREY during the checkout process at Amazon.com to receive the discount. This offer is valid through November 1, 2008. You can also receive an additional 10 percent off the price of The Story of Edgar Sawtelle (regularly $9.99 Kindle/$17.63 hardcover). There is no promotional code is necessary for this offer.

Until I reach my $400 goal I have settle for a more affordable option like book swaps & ebook download sites. Websites like Manybooks and Word Public Library allow users to download ebooks to you computer, PDA or iPod. Paperback Swap, Frugal Reader and Titletrader allow you to swap books with others. My favorite bookswap site is Swap Tree. You can swap books, music, movies and games for free. All you have to do is list the stuff you want to trade, let SwapTree find traders, you choose what you want to receive in trade and mail the swap. Make sure to use the Media Mail service at the Post Office, which should make your out of pocket cost no more than $2.50. You save money and you’re recycling which is good for the environment. What else could you ask for?

Bartering is Back! October 25, 2008

You can exchange books, music, movies, houses and even spouses, but what do you do when you get a gift card from a store that you don’t particularly care for? You could let it collect dust in your junk drawer while wishing the giver had given you cash or you could trade it in for cash, another gift card or even pay bills.

Gift Card Rescue will allow you to exchange or swap your gift card for another card, sell your gift card for cash, or buy discounted gift cards with free shipping. They typically purchase cards at 60%-80% of their value and payment are disbursed via PayPal.

SwapaGift allows you to buy, sell, swap or exchange gift cards, use gift cards to pay bills or donate to a cause. It costs $1.99 to list a card for swap or sale, plus the cost of shipping it.

Plastic Jungle let’s you buy, sell and trade gift cards. They charge a 10% transaction fee when gift cards are sold or traded and you have to pay to ship the card. All of the cards are sold and traded through the web site to prevent fraud. Gift cards sold for cash must have a minimum $25 value.

There are a lot of sites out there, each with their own set of rules and fees, so be sure to read the requirements before participating in an exchange or sale to insure that you get the best value for your trade.

Expiration Date: 2013 October 27, 2008

How many times have you waited to use or misplaced a gift card only to find out that when you were ready to use it , it had expired or only had half of the balance available? This has been a headache for many and they’re not taking it any more. California, Washington and Massachusetts are a few of the states that have passed laws banning fees and expiration dates on gift cards. Michigan has joined the band wagon by passing a law that prohibits stores from:

• not accepting a gift certificate or gift card for at least five years since the date of purchase. All requirements only apply to cards
• charging an inactivity fee or other service fee for the possession or use of a gift certificate/card.
• altering the terms of conditions of a gift certificate/card after it has been issued.
• failing to disclose the terms and conditions of a gift certificate/card.

The law takes effect November 1 of 2008 and only includes cards bought after November 1, not existing cards.

Source: Fox2Detroit.com & Senate Fiscal Agency

Free Child Safety Kit October 28, 2008

ADT Security Services is helping keep our kids safe by offering a free child safety kit to families with children 14 years old and younger.The kit contains a guide filled with tips and advice on safety, a fingerprint kit, magnet, a reflective sticker for kids to wear in the dark, and games. To get a kit for your child(ren), click this link FREE ADT CHILD SAFETY KIT and fill out the online form. This is much more convenient than going to the police station to have it done.

Vinegar: It’s not just for dressing salads. October 29, 2008

Did you have that mom or grandmother that wouldn’t waste anything. I mean the type that would use that last gross mushy banana to make bread or use a old sock as a dust mop. If you did I’m sure she knew that there were many uses for vinegar, but did she know there were at least 20? Mary Ellen Pinkham, a contributor for iVillage.com did. I ran across this article while researching a way to keep my moms new kittens from destroying her plant and was surprisingly amazed. Check it out. Here are a few I’ve tried:

• Prevent a cat from digging in plants. Add some vinegar to the misting water. – This one saved my Mom’s prized wondering jew plant.
• Soften a hard paint brush. Boil it in vinegar, or soak it in very hot vinegar, then wash in soapy water. – Saved me a very expensive trip to Michael’s. I have a small addiction.
• Remove soapy gunk around faucets. Soak a paper towel in white vinegar, squeeze it out, wrap it around the chrome for 10 minutes, then wipe dry. – Saved me a tisk, tisk and wagging finger from my mother-in-law.
• Repel ants. Wash counters with vinegar. – This and the next saved me $5, didn’t have to buy bug spray.
• Keep fruit flies away. Pour 1/2 inch of cider vinegar in the bottom of a small jar and punch a dozen or so holes in the lid (using an ice pick). The vinegar attracts the flies through the holes and they can’t get out. Or just set out a small dish with the vinegar plus a few drops of dish detergent; it attracts, then drowns them.

You can read the entire article at iVillage.com.You’d be surprised at the money and time you’d save.

Working from home ain’t just for Mom’s anymore. October 31, 2008

7000 job cuts at American Express, 1825 factory jobs cut at Chrysler and more each day. Millions of people are losing their jobs or cutting back and need added income. May I suggest a at-home Call Service Representative. That’s right, I said at home. I know better than anyone that most work from home opportunities are scams, but I’m usually willing to give them a try as long as they don’t ask for any money up front.

There are many call center services out there that will pay you to answer incoming phone calls for anything from catalog orders to coordinating concierge requests. Many of the companies offer really flexible hours. You could work as little as 15 minutes a day to full time hours weekly. If you have basic computer knowledge, good sales, verbal and customer service skills and like to help people – oh – and of course love to talk on the phone, this could be for you. You will be required to have a computer, usually a desktop rather than laptop for security reasons, a lan line phone and cable or DSL internet access. The pay range is anywhere from $7 to $20 and hour, depending on experience. These are considered contractor positions and don’t include any benefits, such as vacation pay, health insurance or overtime.

Here are a few companies that are looking for home operators.

• ACD Direct - http://www.acddirect.com/jobs/
• Alpine Access – https://www1.alpineaccess.com/external/index.html
• Connect Plus, LLC – http://www.connect-dataplus.com/index.shtml
• Customer Loyalty, Inc. – http://www.customloyal.com/
• Executive Secretaries – http://executivesecretaries.com/careers.htm
• LiveOps – http://www.liveops.com/ – This company has GREAT reviews.
• O’Currance Teleservice – http://www.ocurrance.com/
• Service 800 – http://hq.service800.com/repapplication.asp
• Time Communications – http://www.timecommunication.com/default.asp
• VIP Desk – http://www.vipdesk.com/info/default.asp
• VoiceLog – http://www.voicelog.com/careers/job4.html
• West At Home – http://www.workathomeagent.com/
• Willow – http://www.willowcsn.com/CyberCorps/index.asp
• Working Solutions -  http://www.workingsol.com/home.htm

Free MP3s from Amazon October 30, 2008

The weekend is upon us and there is no better way to relax than to kick back and listen to some music. Thanks to Mommy Saves Big I can show you how to get some music for free. Amazon is offering over 400 mp3 music downloads for free. Just to save you the headache, halfway through the list there are some that say Album Only, which are not free but can be purchased with 5 Pepsi points or for $0.99 each. Happy Listening.

Oprah is Giving Away $4500 November 1, 2008

Oprah and eLearners (an education search engine for online degrees, colleges and universities), have teamed up to award $4500 to the person who can best describe how an online education would help them to reach their goals. Fill out the online form at OPRAH.COM with your contact info and your story in 4000 characters or less and you could win $4500 to help you attain those goals. Your entry must be received by 4:59 pm (CT) November 17, 2008 to qualify. Good Luck!

Voting Myths – Don’t get turned away at the polls. November 3, 2008

No matter who you plan to cast your vote for tomorrow, this is a history making election. As problems arise for early voters you need to be prepared and ready for anything. People are being turned away and denied their right to vote because they are not informed. Well, I hope this helps.

Where is my polling location?

• Google has a polling location finder on Google Maps
• Visit Go Vote.org or text pp with your address, and zip code, to 69866 or click SMS reminder on a map to send info to your phone
• You can call your county clerk’s office, Secretary of State office or Board of Elections
• Visit Vote 411.org

What do I bring with me to the polls?

Photo ID like a drivers license or state ID or you can visit Can I Vote.org for info on the laws in each state.

What else should I know?

• The lines will be long. Be prepared. Just a suggestion – bring snacks.
• Depending on where you live you could be turned away for wearing a Obama or McCain Tee, pin, button or hat. This is different in each state, but if you live in Michigan, it’s a No-No. Don’t give up your right to vote, leave the campaign gear at home.
• You can vote if you’ve been arrested or convicted of a crime as long as you are not on probation or parole for a felony or currently in serving time.
• You can still vote if you have warrants, unpaid parking tickets, owe child support or alimony or are on a state assistance program. You will NOT be arrested.
• You can vote if you home is being foreclosed. Be sure to vote in the precinct of your current address.
• You can not vote over the phone.
• You can vote on November 4th only. Don’t fall for it if you’re told you voting date has been rescheduled for another day.
• You can vote in the state where you attend school.
• Absentee ballots do count as a regular vote in every state.
• You can vote if your drivers license address does not match your current address. The photo ID is used to only verify your id. Make sure that you vote in the precinct of your current address. Check out Google, Go Vote.org or Vote 411.org for your polling location.
• You can still vote if you are in line at the time that the polls close.
• EVERY VOTE COUNTS – GET OUT AND VOTE!!!!

You’ve done the work, you’re registered (if you’re not sure go to Can I Vote.org), you have studied each candidate thoroughly (check out Barack Obama.com, John McCain.com, Fact Check.org, Vote Smart.org and The Ballot.org to research the candidates) and you’ve made your decision and are now informed and ready to vote. Make sure you do your part in this historic 2008 election, get up, get out and go vote.

If anyone tries to threaten you, tells you something you feel isn’t true or try to deter you from voting in any way call the ACLU (American Civil Liberties Union) at 1-877-523-2792 or call the Election Protection hot-line at 1-866-OUR-VOTE (1-866-687-8683).

Saying “I Voted” will get you freebies. November 3, 2008

Check out the places that will reward you for exercising your constitutional right.

• Ben & Jerry’s is offering a free scoop of ice cream from 5-8 pm.
• Krispy Kreme will give you a free “Patriotic” donut if you have an “I Voted” sticker.
• Starbucks offers up a free small coffee if you tell them you voted.

Go Vote, Change the World and enjoy some free goodies.

I VOTED!!! November 4, 2008

I got out there and cast my vote, if you did, Congrats – we’re about to change the world! If you haven’t – get out there and take advantage of your constitutional right. Don’t let the long lines discourage you,if you can stand in line for 5 hours for a xBox or Playstation at 4 am in the snow on Black Friday (the day after Thanksgiving), then you can stand in line to vote. You can stand in line to do something that people had to fight and die for. Get out there and stand for your rights, get out there and VOTE!! You have everything to lose.

I voted because I want a better future for my children. November 4, 2008

Go vote or forget about complaining later. Send this to 5, 10, 50 friends.

A Historical Day November 5, 2008

Barack Obama is the President elect. No matter who you voted for you can’t deny that this was a historical election. For many today is a dream realized and the beginning of a new day. You may not be happy with the turnout, but either way, we are all still Americans and must come together to make it a better world.

Congratulations President Obama!!

A Cheap Tricks Fashion Find November 6, 2008

A girl should never have to sacrifice fashion and looking good because her pockets are low on funds. I love fashionable boutiques with budget friendly prices and Francesca’s is one of them. Best of all, this week is their store-wide 20% off sale both in stores and online.

Francesca’s Collections has trendy women’s clothing, accessories, and gifts at incredible prices. I don’t think I’ve found anything over $100. They have stores in about 26 states and a well stock e-boutique. Below are some of my favorite pieces.

It’s gettin’ cold out there ladies and you’ll probably need to add a few cold weather pieces to your wardrobe. So check out Francesca’s Collection website, spend $75 or more and receive a free black scarf. The offer ends 11/13/08, valid only while supplies last and not available in stores.

Dell Deals Everyday November 7, 2008

This one is for the techies and early Christmas shoppers. Dell has created a special section on their website where they will display their best deals for the day. They’re also getting you prepared for the holidays with their deals for $300 and below. The deals range from mouse pads to laptops and desktops. Go to www.dell.com/everyday. The deals change often.

Thin Is In – The New Wave Notebook November 8, 2008

The ultra thin, ultra light notebooks are making a splash in the tech world. The Acer Aspire One and the Asus EeePC are two to watch for. These advanced word processors are great for mobile computing, IM and handling simple documents. Which means don’t expect these to work like a desktop or higher end notebook. They can’t handle the more popular, heavier applications like Photoshop, CAD, Adobe Suites or even an extensive iTunes library. Now, if you’re looking for a fashionable light weight notebooks for surfing the web and doing light paperwork while on the go these are for you.

Here are a few pros and cons:

PROS

• Prices as low as $400
• Lightweight – most just under 3lbs
• Many fashionable colors and designs to choose from
• Size: some have screens ranging between 7 to 10 inches. Smaller than a piece of paper and a perfect fit into that vintage Kenzo Tote that you rented from Avelle.
• Battery life is up to eight hours depending on model
• Standard features: built in wireless, webcam, Windows XP Home, built in speakers, multiple USB and card readers, full QWERTY keyboard and touchpad
• External video output
• Lots of free downloads

CONS

• Does not come with built in CD or DVD drive
• Can not upgrade the operating system
• Can not handle large applications and strenuous multitasking
• Smaller keyboard area
• May get a little warm after extended use

The pros and cons are for either the Acer or Asus or both, I did not specify. Check out the website for exact specifications.

Overall these are affordable computers, perfect for everyone from the first time user to the on-the-go professional. So if you’re that person that’s looking for something as light as your smart-phone but with more features than these could be for you.

Free and Dry – Free Diapers and Underjams for Your Little Ones November 9, 2008

This one is for you moms out there. If you have a little one in diapers, then I’m sure you wouldn’t mind a break in your pocketbook. Diapers aren’t cheap. Costco is offering free Kirkland Signature Supreme diaper samples on their website at Costco.com. The online form asks for a member ID, but you don’t need one, you just need to fill out the info on the web form and answer 5 survey questions. The offer is not available in the stores.

If your little one is out of diapers, but still wetting the bed at night, try this offer for free Underjams Absorbent Night Wear. They are less noticeable than pull-ups and just as absorbent. I love freebies like these because I hate paying full price for new products like these without being able to try’em out first. Try these out and hopefully enjoy some dry days, dry nights and maybe a few extra bucks in your pocket.

Old Navy’s All I Want Sweepstakes November 10, 2008

I love Old Navy. They have great clothes for the whole family and for every size. It’s like trying to find a needle in a haystack when it comes to finding stylish tall women’s clothing and jeans with a 36″ inseam in sizes larger than a 6. As much as I would like to keep this sweepstakes to myself, my mom always said I should share. So try your luck at winning $10,000 bucks. Get all you want for Christmas for you and your family.

Happy Veteran’s Day November 11, 2008

For all those who have served and are currently serving – Thank You!!

Thank you for all that you’ve sacrificed to protect this country.

Free Movie Tickets November 12, 2008

I love a good movie. I hate how it costs $50 bucks for two people to enjoy a good movie nowadays. Well this is my solution to that problem. Free Advance Screenings – not only are you one of a select few that have the privilege to see the movie before everyone else, but it’s FREE too.

Film Metro is a website site that provide information and free movie tickets to advance screenings. What’s an advance screening? It is a promotion used for research and get publicity for a movie before a it is released to the movie theaters/general public.

Here’s how it works: you sign up for a free account, browse the movie screenings, choose an available screening in you area, download the ticket, enjoy the movie and post your comments. The site does allow you to invite a friend, so you don’t have to go it alone, if you choose. So, check out a free flick and save that $50 for something more important – like gas.

Oprah Helps Organize Photo Clutter With Free Snapfish Book November 12, 2008

Oprah and Peter Walsh are helping people get de-cluttered with Oprah’s Clean Up Your Messy House Tour. Today they kicked off the tour with two cluttered New York moms. Well – their mess is our good fortune because Oprah and Snapfish are offering Oprah viewers a free 8″ x 11″ custom-cover photo book. Check out Snapfish.com for the details. Make it quick the offer ends Friday.

Cheaper Gas At Your Fingertips November 13, 2008

Gas prices have been ridiculous. The yo-yo effect at the pumps have put drivers on a financial roller coaster.  Gas Buddy.com and Gas Price Watch.com are two sites that keeps track of fluctuating gas prices by posting user contributions. It’s like wikipedia for gas stations. People all over set up free accounts and log in to report gas prices in their area. So if you love to compare prices, you have it at you fingertips with Gas Buddy.com and Gas Price Watch.com.

$27 in Free Coupons November 14, 2008

Home Made Simple is giving away free coupon books worth $27. You can save money on products such as Cascade, Mr. Clean, Febreze and Dawn. Just fill out the web form at Home Made Simple and your book will be mailed to you. While your at it -  try your luck at a 3 day spa vacation and other prizes with the 3x the Relaxation Sweepstakes from Mr. Clean.

Free Animated GeoTrax DVD from Fisher Price November 15, 2008

Fisher Price’s GeoTrax has come out with a new animated adventure and is offering it for free. You can even preview some of the videos at the GeoTrax website. Just click the “Get the DVD for free!” link, select your country, and the dvd will be entered into a shopping cart, click continue checkout and continue entering the required info. Don’t worry – shipping is free also. The dvd is a great addition if you have or plan to get the GeoTrax playsets or to at least keep the kids quiet for about 30 minutes.

Smart Shopping Toolbar Save You Money November 16, 2008

There’s nothing like saving a little money, especially in today’s economy. How many times have you purchased something and later found it at a cheaper price at the store down the road? With all of the sales and coupon sites on the internet it can be hard to find the best deals. At any given time you could find yourself spending more out of pure exhaustion from sale overload.

Shop At Home.com is a website that can not only get you the best deals but alert you when you favorite things are on sale with a smart toolbar. What’s a smart toolbar and how will Shop at Home.com save you money? Here’s how it works. The website uses SelectRebates software which is the technology behind the smart toolbar. When you register for an account you are assigned a customer identification number and a cookie is placed on your computer. While shopping online, if you go to a Shop at Home.com store they will redirect you through a ShopAtHome.com link so you receive credit for your purchases and get money in your account. The toolbar alerts you by changing colors to remind you that discounts and coupons are available for your favorite stores. You won’t have to worry about missing a deal by forgetting to check the website first, or by forgetting to enter a coupon code. The cash back rebates are entered into your account fairly quickly and the site is easy to navigate.

Worried they won’t have the shops you like? The website has a large array of stores to choose from and you can choose the option to shop as a guest and browse the website, but you will not receive any cash back for purchases. Registration is free if you do choose to set up an account and any personal information is kept confidential. Check out the site for more information.

Free Photo-book Offer from Oprah & Snapfish Update November 16, 2008

For all of you looking for the free photo book, I’m sorry but the offer has expired. But Snapfish is offering 20% off their top selling holiday gifts with the promotional code BESTSELLERS2008 at checkout. Browse their site and sign up for an account to stay informed of their sales and promotions.

Kids Eat Free November 17, 2008

Who doesn’t love a free meal, especially if your children are picky eaters. Why pay for a meal that may or may not get eaten? Then again if you have healthy eaters like I do, a free meal can save you a pretty penny. That is why I have to share with you Kids Meal Deals.com – a search engine that will locate restaurants that offer free meals and special deals for children’s meals. Hey that rhymes. Just enter your zip code and choose a restaurant to get their address, contact info and what offers they have available.

No More ATM Fee’s November 19, 2008

Here’s a quick money saver for you. Money Pass.com is an online ATM locator that gives you access to surcharge free ATMs in your area. No more fees for using ATMs that are not your bank’s.

Free Online Language Courses November 29, 2008

Yesterday I sat through a Dora the Explorer marathon with my little ones and enjoyed their attempts to pronounce Spanish. With the subliminal urge to learn Spanish freshly embedded in my head I came across some free beginner language courses and thought I would share. They offer beginner language courses in French, Spanish, German and Italian. Click here or go to www.bbc.co.uk/languages.

Oprah & Paula Begoun List the Best Beauty Products of 2008 November 21, 2008

Choices, choices. With so much out there to choose from, how do you know what are the best products for your money. Part 1 of Oprah’s You: Being Beautiful (titled after the book YOU: Being Beautiful: The Owner’s Manual to Inner and Outer Beauty by Dr. Oz & Dr. Roizen) three part series featured Paula Begoun – a beauty product tester with 25 years experience and author of Don’t Go to the Cosmetics Counter Without Me. She gave us the dish on the best beauty products out there and their price points.

We should all know by now that a higher price doesn’t always mean higher quality, especially when it pertains to beauty products. According to some, it’s all about the ingredients. During the show Dr. Oz listed all the best ingredients that will give us beautiful hair, skin and nails and Paula Begoun showed us which products contain those ingredients at both high end and budget prices. Check out Paula Begoun’s Favorite Beauty Products on Oprah.com for a detailed list and to see the video. And if you want to find out her list for The Best Expensive & Inexpensive Beauty Products of 2008, check out Paula’s website – Cosmetics Cop.com. This may save you time and money at the cosmetics counter.

Send Holiday Gifts for Free November 23, 2008

With out current economic status in such an uncertain state, many are looking to save wherever possible. Shipping costs for all of the great gifts that you plan to send is a good place to start. Free Shipping.org is a website that offers free shipping deals to all of the best online stores. The site is easy to navigate and offers free shipping coupons and coupon codes to over 850 retailers.

Free Stuff for Kids November 20, 2008

What kid doesn’t love to get something in the mail? When I was little I collected Kool-aid points and would sit by the window waiting for the mailman to bring my package from Mr. Kool-aid. I came across a site that may bring that same excitement to your kids or it could at the least give you a reason to send them to get the mail.

Free Things For Kids.com is a website that provides links and info for free offers, memberships and activities that kids can sign up for online or send away for to receive in the mail. They also have a freebie section for parents that offer freebies and deals on cookbooks, coupons and other stuff. Their parent section doesn’t offer as much as the kids section, but deserves a view nonetheless.

Free Software Downloads December 10, 2008

So you’ve scrapped and pinched and finally saved enough money to get that brand new shiny computer, except you couldn’t afford the added expense of software.Why waste your money? If you have access to the internet you can get just about any software that you may need for free.

Tom Merritt from CNET has a great list free software that can be downloaded from online sources.

Here is a list of the sites mentioned in the video:

• OpenOffice.org – Essentially a free completely portable office suite.
• Audacity.sourceforge.net – Audio Editor and Recorder
• Mediacoder.sourceforge.net – A Universal Audio/Video Transcoder
• Notepad2.com – Media Editor
• TurboCash.net – Accounting Software
• Blender.org – 3D Modeling/Content Creation Suite
• GAIM – Pidgin.im – Instant Messaging
• VLC – Videolan.org/vlc/ – Media Player
• Codenautics.com/zombies – Game

For more sites like these, check out CNET at download.com or sourceforge.net for open source software. Remember, they’re all FREE!

Finding Wii December 11, 2008

…or Nintendo Ds or PS3 or XBox  or Elmo, and the list goes on. I found myself in the never-ending search for a Wii last year, hoping to nab one at a decent price, hell – get one at all. Needless to say I failed miserably.

I think the biggest headache for most people when shopping for popular items would be the constant shortage of stock. How often have you checked a website or call a stock to get a “Sorry, we’re out of stock”? I happened upon this website, while once again in search of the Wii. NowInStock.net is a online service that monitors web-stores for when popular products are in stock. Why bother going from website to website only to end up with an inbox full of notification emails a day to late? They keep and eye out for hot products like Elmo Live, Guitar Hero, Rock Band and Wii Fit and track popular stores like Amazon, Target, Kmart and Gamestop. Save yourself some time and check out  NowInStock.net during your holiday shopping.

Black Friday Sales November 22, 2008

Black Friday – the Friday after Thanksgiving – is the start of the Christmas shopping season. It is the busiest retail shopping day of the year and many retailers open very early to offer doorbuster deals that sell out quicker than the blink of an eye. Here are two websites that will aid you in your pursuit of the best deals.

Black Friday.info and Black-Friday.net have up to date sale ads, coupons and discount codes for all of your favorite stores. Both sites also offer the ability to create a shopping list and email updates for those who create a free account. Whether you’re shopping online or hitting the stores you will know what your favorite stores are offering.

Barbie Gives You a $50 Prepaid Visa Gift Card November 30, 2008

Get a $50 prepaid Visa Card for yourself, when you buy at least $100 or more in select Barbie products online or in stores.  It’s technically a half-off deal when it’s all said and done. There are ten eligible Barbie products, such as Barbie Princess Liana doll, Diamond Castle Horse & Carriage, Barbie Party Cruise, and a few others.

To receive your Visa Gift Card, you need to visit the Barbie website at Barbie.everythinggirl.com.

1. Print the offer certificate

2. Go shopping – online or at a retail shop

3. Spend $100 on any combination of toys listed on the offer certificate.

4. Save all of the receipts and UPC labels from each toy.

5. Complete the offer certificate and mail it in with the UPC labels and a copy of the receipt(s).

The offer ends 12/31/08.

Free Services for Book Clubs December 10, 2008

Do you love books and want to start a book club or are your already a member of one? If yes, you may want to check out GenerousBooks.com. They offer free online tools for book clubs, such as reminder messages, author & book research and meeting schedules.

Happy Reading.

The Spirit of Giving November 24, 2008

As Thanksgiving draws closer, I can’t help but feel it being smothered by the endless reminders that Christmas is soon thereafter. You barely make a transition out of Halloween before you begin to see Christmas decor and other consumer paraphernalia invading your senses. Don’t get me wrong, I love Christmas, but it’s Thanksgiving that really kicks off the season for me, not the holiday sales. The only reminder that Thanksgiving is near is the ABC commercials for A Charlie Brown Thanksgiving – a family tradition. OK that’s enough ranting.

I LOVE the Charlie Brown specials.

In the spirit of the Thanksgiving holiday I would like to dedicate a post each day to a charity that invokes the spirit of giving. Tonight I want to start with the Pajama Program. They are a non-profit organization that provides new warm pajamas and books to children in need in the US. Check out this YouTube video with founder Genevieve Piturro as Oprah and her audience surprise her with more than 32,000 pairs of pajamas.

We are all experiencing some financial difficulty. Take some time this holiday season to be thankful for what you do have and find a way to give to those who don’t have as much. Your time is just as generous a gift as your money.

Oprah’s Favorite Things Goes Frugal? November 25, 2008

Tomorrow Oprah will have her much anticipated Favorite Things episode. But this year there’s a twist – everything is under $100!

Oprah has taken the current economy into consideration while choosing her favorite things this year and plans to unveil her favorite frugal findings on tomorrow’s show. But I have a sneak preview for you. The following is a list of ten of Oprah’s favorite things under $100:

1. Jo Malone Bath Oil Collection from JoMalone.com; $85
2. Philosophy’s Hope In A Jar from Philosophy.com; $99 for 8oz jar with promo code OPRAH
3. Heritage Photo Book from HeritageMakers.com; $4 per page
4. Sarabeth’s Gift Sampler Box from Sarabeth.com; $26
5. Breville Ikon Panini Press from Williams-Sonoma; $99.95
6. Cupcakes from PerfectEndings.com; $59 for nine cupcakes
7. Noel by Josh Groban; $9.99 Amazon
8. Felix Doolittle personalized cards from FelixDoolittle.com; $90 for 25 personalized cards w/envelopes with promo code OPRAH
9. Oprah’s five favorite books: Stillness Speaks and A New Earth by Eckhart Tolle; To Kill a Mockingbird by Harper Lee; The Bluest Eye by Toni Morrison; The Story of Edgar Sawtelle by David Wroblewski from Amazon; $17 to $26 each
10. Greenberg Smoked Turkey from GobbleGobble.com; $4 per pound

Check out tomorrow’s show for 63 spectacular O List gifts for under $100.

Kroger Holiday Planner November 25, 2008

There are two days until Thanksgiving and you probably still have plenty to do. Check out Kroger’s Holiday Planner at PlanForTheHolidays.com for free coupons, recipes and holiday tips from the experts to make your Turkey Day a little easier.

Starlight Children’s Foundation November 25, 2008

The Starlight Children’s Foundation is a charity dedicated to improving the quality of life for children with serious medical conditions by providing entertainment, education and family activities that help them cope with the pain, fear and isolation of prolonged illness. They offer an array of outpatient, hospital-based and Web based programs enabling them to provide ongoing support for children and families – before, during and after medical treatment.

I am thankful for my family’s health. What are you thankful for?

Black Friday Survival Guide November 25, 2008

Black Friday – the biggest shopping day of the year – is two days away. Much like being left to fight in the wild, a little preparation goes a long way. Check out Jalonda’s blog at JoeyEric.wordpress.com for some great Black Friday survival tips.

Oprah Gives You the Gift of Music November 26, 2008

Oprah has teamed up with some big names in music (such as Tony Bennett, Josh Groban and Faith Hill) to create a Christmas music mix that is one of a kind. As a gift to her viewers Oprah is giving away her favorite holiday hits of 2008 with 8 free mp3 downloads, for the next 48 hours only. Check out Oprah.com to download your free music. She’s even throwing in free CD cover and CD Label downloads.

Remember Those Who Are Away From Home November 26, 2008

While we are out hustling and bustling to get everything perfect for the holidays, we must take the time to remember those who are away from home. There are many men and women who are spending their holidays and many other special occasions away from home and Cell Phones for Soldiers are helping our troops talk with family members from abroad.

Cell Phones for Soldiers strive to turn old donated cell phones into millions of prepaid calling cards minutes for U.S. troops stationed overseas. They expect to collect thousands of cell phones each month through a network of more than 3,000 collection sites across the country. The phones are sent to ReCellular, which pays Cell Phones for Soldiers for each donated phone – enough to provide an hour of talk time to soldiers abroad.

I am thankful for freedom and the brave men and women who fight for that freedom. While giving thanks around your Thanksgiving table, be sure to remember our troops and say Thank You!

Happy Thanksgiving November 27, 2008

Help Feed The Hungry November 27, 2008

Today as I prepare dessert for Thanksgiving dinner, I can’t help but think of all the people who aren’t as fortunate to have a hot meal everyday. Today I want to feature two charities that focus on feeding the hungry.

FreeRice.com is the sister site to Poverty.com. Their focus is to provide free education to everyone and to help eliminate world hunger by providing free rice to the hungry. The free education begins with everyone who visits the site. The home page has trivia questions and for every question that you get right 20 grains of rice is donated to those in need around the world through the UN World Food Program. Sharpen your mind and help end hunger with a click.

FeedingAmerica.org (formally know as Second Harvest) is a domestic hunger relief program. The Feeding America network provides food assistance to more than 25 million low-income people facing hunger in the United States, including children and seniors. They have a network of more than 200 food banks that serve all 50 states. For every $1 donated, Feeding America helps provide 20 pounds of food and grocery products to men, women and children facing hunger in our country.

Have a Happy Turkey Day!

Turn Your Hobbies Into Cash – Photography December 1, 2008

If you haven’t heard, they have finally awaken from denial and declared that we are now in a recession. One which apparently began in September of last year. Job security is a major commodity and unfortunately, not everyone has the luxury of having a “recession proof” job, (if they have one at all) so many have searched for other ways to supplement their income. Hobbies and crafts have become some creative individuals cash cows.

Professional photographers aren’t the only people making money from their pictures. People use stock photography for everything from websites to brochures and are willing to pay. Stock photography sites such as Fotolia, ShutterStock, Dreamstime and iStockphoto allow individuals to search stock images using keywords, sell uploaded stock images or pay for the use of stock photos, illustrations, flash and video.

When uploading images or video, make sure that the images don’t include trademarked brands, copyrighted art or people’s faces that are identifiable, unless your have a model release. You also want to be sure to read all of the rules and regulations for selling and purchasing on each site.

Dirty Tricks: Double Duty Uses For Alka Seltzer December 4, 2008

I love stuff that has a double duty use. Today I’ll give you some double duty uses for Alka Seltzer. Who know these little tablets could clean your home and sooth that sour tummy all at the same time. I must say, it’s a little disturbing to me that something used for human consumption can do all of the following.

1. To get rid of baked on grease, drop a tablet and the dish in hot water and let the fizz loosen the grime.
2. Cleaning the bathroom? Drop a couple of tablets into the toilet, wait 10 minutes and wipe away scum for a clean and shiny finish.
3. To clean a retainer or dentures, drop the retainer or dentures into some water along with a tablet.
4. Drop a tablet or two into a vase filled with water to easily clean away dirt and film.
5. To clean your garbage disposal, drop in a tablet and some vinegar, allow it to sit for about two minutes and then rinse thoroughly with hot water.

Know of some other uses for Alka Seltzer, let me know?

Free Money From Inspired Silver December 9, 2008

InspiredSilver.com offers celebrity inspired jewelry and accessories at affordable prices. They are offering an additional 50% to the value of any gift cards ordered by December 31, 2008. Purchase a $100 gift card and receive an additional $5o added to the value of the card, giving you $150 at no additional charge. You don’t need a coupon code to receive this offer. Click here or the picture below to get you gift card.

Wait that’s not all! Enter coupon code FS5GC25 and receive Free Shipping, a $5 Gift Card and 25% off your order. Check out InspiredSilver.com for more details.

Happy Shopping!

Getting Others Hired Can Get You Paid December 12, 2008

Do you know a lot of job-seekers? Who doesn’t these days? After my first lay-off I found the job hunt easier through referrals rather than answering ads, cold calls and resume posts. I often found myself referring friends and family for positions that weren’t the right fit for me, but was for someone I knew. It wasn’t until a while later that I found out I could have gotten paid for all those referrals.

Websites like Who Do You Know For Dough?, ReferEarns, Bohire, WiseStepp and  Zyoin get employers connected to prospective employees through referrals from individuals who know qualified candidates. These companies offer rewards ranging from $50 on up to a couple thousand dollars for referring a candidate who gets hired. That’s a nice chunk of change for getting a friend a job.

If you’re really good at networking, know a lot of people looking for work and want to make some cash, try one of these sites out. At the least you could make a few extra bucks and help out some friends or start a referral business and retire early. You make the call.

Back With The Goods December 17, 2008

Hi everyone. Mother Nature seems to be a little confused and can’t quite figure out whether to have it rain or snow with warm  temps or cold winds. Therefore I became confused and couldn’t decide whether I wanted to be sick or well. I opted for sick and have been “out of commission since”. Noe that I’m feeling much  better and able to open the blinds with out cowering from the light, I have plenty of goodies to share. Ok lets get started.

• This is for the Fashionista’s. I am a member of Ideeli, an exclusive invitation only online shopping community. They have been featured in Oprah’s O Magazine, InStyle and the New York Times. They offer (in their words) privileged access to sought-after products in fashion, home and beauty as well as to luxury lifestyle experiences. I have the lovely privilege to invite a few friends to experience the incredible sales and giveaways. And by incredible, I mean sales as high as 85% on incredible designers such as Trace, Liberty of London and D&G and giveaways from Prada, YSL and more. Click HERE to join for free and start saving on incredible designer goods.

• Goob over at HIF has a ton of free goodies and a section dedicated to free trade magazines and technical documents. Now there is a catch, you need to fill out a short survey and the publisher will determine f you qualify to receive a free publication.  Don’t forget to stop by the HIF (HeyItsFree.net) to get some great freebies such as a Mary Kay Miracle Set, Yoga Mediation CD download, Parent & Child subscription, Emergen-C, 2009 pocket calendar and much more.

• All the chocolate lovers out there should stop by a Godiva Chocolate store and sign up for the mailing list to receive vouchers for free chocolates in the mail. If you can’t leave without buying some chocolate, $50 worth will get you a $10 Godiva Rewards Card. Spend $100 and get a $25 card and a $150 wil get you a $40 Rewards Card.

• Colgate and Reading is Fundamental have teamed up to get kids & parents involved in healthy bedtime routines with their Healthy Bedtime Habits Program. CLICK HERE to sign up for the program and log your child’s healthy habits to receive a power toothbrush for your little one.

• I’m sure you’ve seen those Red Box DVD machines popping up all over the place like at McDonalds and Walgreens. Get a free movie rental when you visit the Red Box website and sign up for their emails.  Each Monday they will text a code to your cell phone or email you for a free rental. The movie must be returned by 9:00 PM on Tuesday to avoid any fees. Visit the website at RedBox.com for more info and be sure to read the terms and agreements when renting your movie.

Stay tuned, there’s more coming down the pipeline. I’m off to find a Halls.

Holiday Cooking 101 December 19, 2008

This year my family is hosting Christmas dinner. As someone who has been cooking since she was knee high to a grasshopper, I’m no newcomer to the private areas of a bird. But I have plenty of friends who are attempting their first holiday dinner and could use a little – and in some cases A LOT- of help. So instead of explaining the difference between brown gravy and white gravy, I send them to Rachael, Oprah or Martha.

The holidays can be stressful enough without making it harder with trying to cook a dinner for 12, before learning to boil water. If you’re looking for a complete menu with step by step video directions, complete with grocery list and meal planner checklist, check out Oprah.com for Cristina Ferrare’s Holiday Menu. Choose from instructional videos on entree’s, side dishes and a dessert.

If you’re just looking for a new few recipes, check out RachaelRay.com for some quick and easy meals.

If you need a little more help MarthaStewart.com has cooking school lessons that instruct you on everything from knife skills to preparing a whole chicken. Martha and the host of Everyday Food, Sarah Carey host the ongoing series of cooking lessons to celebrate Martha’s new cookbook, Martha Stewart’s Cooking School: Lessons for the Home Cook.

Just remember that no one is perfect and that a little preparation and patience will get you far. And if all else fails, make it a potluck or order takeout.

Tyra’s Favorite Things December 18, 2008

Tyra is picking up the slack from Oprah by having her own Favorite Things show. An audience full of the unemployed are being surprised with some of the hottest fashions, gadgets, beauty products, accessories and more. Not forgetting the people at home who have lost their jobs, Tyra is giving away $50,000 in gifts and prizes.  Click here or stop by TyraShow.com for your chance to win the Tyra Show Holiday Giveaway.

Happy New Year December 31, 2008

I just wanted to wish everyone a belated Happy Holidays and a Happy New Year. I hope 2009 is a happy, healthy and prosperous year for all.

It’s been a while since I’ve posted and unfortunately I can’t tell you the next time I’ll get the chance. As I type this, I can start to feel tears well up, my poor MacBook is dead and I’m praying that I’ll hear good news from the Apple techs soon. This past week and a half has been pretty hard for me. I never knew that I was so attached to my computer. A friend was very generous to lend me a notebook to use for a few days so that I can get a couple posts out. Thanks M, you generosity is greatly appreciated.

Send A Song To A Soldier December 31, 2008

Billboard is giving the gift of music to a U.S. Soldier this holiday for free. You can send two free MP3 downloads to Soldiers in the U.S. Army at no charge. Just click here to select a message and add you name and state to send your message and a unique pin# to allow a currently enlisted soldier to download two free MP3’s of their choice. The offer ends today, Dec. 31st.

Oprah Gives Away Free Suze Orman Book January 8, 2009

You gotta love Suze Orman, she has no problems giving it to you straight and telling it like it is. I almost bought her new book, but decided against it at the time.  I’m glad I waited because…as part of the Best Life Series, Oprah and Suze Orman have teamed up today to offer some help in the new year with a little financial advice and Suze’s new book Suze Orman’s 2009 Action Plan for free. Click here to download your free copy.

Happy Groundhog Day February 2, 2009

Well, it looks like that darn groundhog saw his shadow. With six more weeks of winter left, you may need to get creative with how to stay warm. Stop by these sites and pick up some free samples for a few hot nights to get you through the next couple weeks.

• ID Lubricants
• Astroglide
• Trojan
• Jolly Johns Condoms

Enjoy.

A Unbe-weave-ably Easy Way To Make Money January 31, 2009

One of the best things about doing this blog is finding out about all the crazy ways that you can make money. Today is no different. I first heard about these websites on my local news channel and had to tell you.

Hairwork.com and HairTrader.com are hair-traders classifieds websites that allows users to buy, sell and connect with those looking to buy or sell their hair. That’s right, they’re Craigslist for hair. Hairwork.com charges a $20 fee for a 3 month add and HairTrader.com has free listings. HairTrader seems to have a more manageable and organized site, they even list their highest seller at $2600. Wow! $2600 just for getting a hair cut. Now you will obviously need to have long, healthy, and more than likely virgin hair  to make the the big bucks. So if you have long, healthy & beautiful hair and need to make some extra cash these sites are worth a look. Hey, it’s a lot easier than selling a body part.