Great Offers for Free Groceries!
Posted by admin on Oct 14, 2009
Dear Shopper,
I came across 2 really good offers for free groceries that only take a few seconds to sign up for...
Make sure you take advantage of both of these great offers while they last and sign up for our emailing list to receive more incredible free offers as they become available!
Do I qualify for free birth control from Planned Parenthood?
Posted by admin on Aug 16, 2010
I am 19 years old, from Pennsylvania, and I’m engaged. I work part-time at a local grocery store, and make less than $12K a year. I live with my parents, and am considering going to a community college. We are sexually active, and my fiancé and I are concerned about my getting pregnant before we get married. I’ve recently discovered that Planned Parenthood offers cheap, or free, birth control for low-income, uninsured people, and I was wondering about how to go about this. Will I need to have an exam done when I go in (I’m hoping for something that is -not- pills, like the patch), what should I expect? I’ve never been to a gynecologist, and am kind of nervous about that. Is there a way that they could just give me something without having to have an exam?
Planned Parenthood has a new program called the Select Plan for Women. It’s for women ages 18 to 44 who have limited or NO health insurance, who are NOT pregnant, and who earn less than about $1,600 per month. I’m not sure if living with your parents will affect your eligibility (you’d have to ask PP), but you might as well call and ask them some questions! (I have a brochure right here because I qualify and I’m going to enroll in the plan!) It provides free birth control, free pap tests, and free STD testing and treatment. How much cooler could you get?
Personally, I LOVE the ladies at Planned Parenthood. You really don’t need to be nervous about having an exam (though it’s perfectly normal for your first time) – but yes, they will likely require it before they provide you with birth control.
I’ve been going to Planned Parenthood offices in PA for about 16 years now (I’m 31) and have NEVER considered having a private OB-GYN even when I DID have insurance! The women there will treat you with respect and they are always understanding and gentle when they perform pelvic exams; don’t hesitate to tell them you’ve never had an exam before. I basically can’t say enough good things about them, because THEY’RE TOTALLY AWESOME!
Check out plannedparenthood.org; since I don’t know what area you’re in, I can’t be more specific than that. But the site will have most of the answers you need, including local office locations and phone numbers. Don’t be afraid – in my experience, all of the women who work at Planned Parenthood offices are there to provide quality service and they all seem to really care about what they do! Good luck!
When the going gets tough do you knead the dough? 0r just wait til it falls in your lap?
Posted by admin on Jun 3, 2010
Saw a man on the corner the other day with a sign that read…"will work for food"
I just came from the grocery store so I offered a loaf of bread for free….he said he needed the dough instead.
They ususally tell us that they do not want to work, they want cash and make more money standing on the corner with a sign than working a job. It looks awfully boring to me.
When things get tough I whine and cry for a while and then get up and go after it until I git ‘er done!
Twelve Home Based Business Tips for Over-worked Entrepreneurs
Posted by admin on May 1, 2010
Do you ever feel like there are too many things to do and not enough “day” to do them in?
Do your weekends seem to fly by while your time spent at your day job seems to drag?
Does it seem like you’ve just sat down to do a little work on your business and suddenly it’s 2:00 a.m. and you haven’t gotten anything done?
If this sounds like you then you are one of thousands of over-worked men and women who are trying to start and run a home based business while keeping the day job until you can afford to quit.
Sometimes the stress of trying to do it all causes people to give up their dream of home business ownership – I don’t want that to happen to you!
I’m one of those crazy people who are driven (and I mean DRIVEN) to have my own business. I don’t just run one business out of my home – I run FOUR of them. So believe me when I tell you that I know what it means to be over-worked, stressed out & cranky!
A few things we need to agree on is that:
1) there are only 24 hours in a day
2) You can’t do everything without help – either from other people or from technology
I’ve put together a small list of tips and tricks that will free up some additional time – time that you can spend with your family & friends instead of working. Some of these tips will work for you and some won’t. What I’m offering you is basically a buffet of options. Choose what you want, try it – come back for more if you like! Not all of my suggestions are free – some will cost money, but most, if not all of them will be tax deductible!
Work smarter instead of harder – that’s the first step in giving yourself more time.
Become a multi-tasker. Now, this is easier than you think it might be.
1. Advertise While Doing Everyday Tasks.
• Use magnetic signs on your automobiles
• Wear clothing that advertises your business
• Carry some product in your trunk at all times/if you have a direct sales business, make sure you have Catalogs & your calendar with you at all times, so that you can schedule parties on the fly!
• Keep home party and fundraiser packets in your car
2. Use an autoresponder service such as http://www.OnlineDistinction.com to send out your follow-up emails to prospects, customers & downline.
• Use it to send out monthly newsletters & last minute announcements. Good autoresponder services offer a Mail-All or Broadcast feature.
• Have different campaigns set up and ready to be used when they are needed.
• Create different campaigns for those interested in home parties, fundraisers, business opportunity, products & upcoming sales.
• Updating an existing campaign takes minutes when it’s already created.
3. Use a personal website to your advantage!
• You spend less time explaining your business to prospects.
• Customers know where to find you and buy from you without your direct involvement until they send you an order.
• When prospects are interested in your business, they can sign up for your autoresponder information (business newsletter) directly from your website – no involvement from you! This can happen while you are at work or on vacation with your family.
• Customers & prospects get to know YOU and begin trusting YOU.
The beginning of beautiful relationships starts here – and you are actually grocery shopping while they get to know you better!
4. Use Pay-Per-Click advertising. When you run your ads 24/7/365 people who are interested in what you have to offer can browse, purchase & read all about you while you sleep, attend a dance recital or go out to dinner with your family.
5. Optimize your personal website – put any company-approved presentations online. Point people to different ways to learn about you automatically – then have them come to you via e-mail or autoresponder after most of their questions have been answered.
6. Pay your bills electronically – set it up so that they are paid automatically every month. How much time will this save? How long do you take to write checks, balance your checkbook & make sure everything is paid every month (or every week)? How much does having to pay bills stress you out? There are services out there that will do all the work for you – your bills automatically get sent to them and they keep track of them and pay them – on the day you’ve set up.
7. Delegate, delegate, delegate! Who made up the rule that YOU had to do everything yourself?? Decide right now that your spouse and your children are able & capable of helping. All you have to do is ask – if it doesn’t get done, then it’s their responsibility to do it. Don’t back down from this or they won’t take your requests seriously.
8. Purchase birthday & holiday presents for friends and family once a year if possible – if it’s not possible then do as many gifts all at once as you can. Don’t forget to buy the cards as well. Wrap the gifts, tag them so you know who is supposed to get what. Don’t forget to sign & put cards with them. Now there’s no reason to stress out because Uncle Fred’s birthday party is tomorrow and you’ve totally forgotten his gift.
9. Hire a cleaning service. Even if someone comes in once a month to do the heavy cleaning, it’s a few less things on your mind. Bring someone in to wash the floors, clean the bathrooms & other cleaning tasks that can wait, but still need to be done. When you own a home-based business, these types of services are tax deductible – so take advantage of this!
10. Laundry! Ugh! It can pile up. Once in awhile when it piles up so that you can’t even find the washer anymore, just load it all into the car and take it to a good Laundromat that offers wash/dry/fold services. Don’t forget to take hangers with you if you want certain items hung up. Separate the items that can’t be dried – or leave those at home. Looking at a small pile of laundry is much less stressful that trying to do it all once it’s built up to titanic proportions.
11. Don’t be “Super Home Business Owner.” You can’t do it all. You can’t be everywhere at once. Things will get missed. Don’t get angry at yourself. You are human. You deserve to rest, relax, eat & sleep.
12. Make some time for yourself – every day. It doesn’t have to be hours – even if it’s only 15 minutes, you need time for yourself. Take a bubble bath. Have a glass of wine. Write in your journal. Read a chapter in a novel. Whatever it is that makes you feel good and relaxed – make sure you spend time doing it every day.
Sande Saimond
http://www.articlesbase.com/time-management-articles/twelve-home-based-business-tips-for-overworked-entrepreneurs-87351.html
Changing Times in a Recession
Posted by admin on Apr 29, 2010
There is no doubt that we are in a recession. What you have to answer for yourself now is what are you going to do about it? You are on your own, you can’t change it but you can adapt to the situation until things blow over.
Now how do we do that? Well the best thing to do is tighten your belt because the credit market is frozen so you won’t be able to get a loan for personal or for business purposes.
With the money you have, it is best to use it wisely by buying only the important items when you go to the grocery. If there are other items you want to go get, you have to sacrifice in order to get it by buying different brand that is more affordable. Since most supermarkets have special offers,and give out free vouchers or samples,and you should take advantage of it.
Do you drive yourself to work? If you do, has it ever occurred to you how much you spend on gas everyday? If you drive an SUV, chances are you spend a lot on gas just to go to and from work. Part of tightening that belt means trading in your SUV or a smaller car. If it is possible, go for a hybrid because you save on gas and get a tax break from the government.
Most people eat out during their lunch break. Instead of buying food, why don’t you prepare it at home and then bring it to the office. That way, you don’t have to spend your hard earned dollars for lunch so you can use them elsewhere.
Your employer is aware of the current financial crisis. You can help him or her by suggesting if it will be possible to do some of the work at home. Some companies allow their employees to do this so just have to check if this scenario can work for you. Just be sure that you are as productive at home like you are in the office.
But because you spend more time at home instead of the office, your electricity bill will surely go up. To try and resolve that, the best thing to do will be to replace your lighting fixtures with those that consume less wattage. Since you have a landline and mobile phone, you should change this with a provider that offers better rates than what you are currently paying for. The same goes for other bills that pay monthly.
With all the money you are able to save, you should use it to pay any outstanding debts that you may have with the bank to ensure you have a good credit rating. You can also use this to take up a training course so you or go back to school so you will be able to shift to another career if the current one you are in right now is not working out.
The current recession isn’t going to end by Christmas since it is forecasted to last until next year. For you to survive, you have to tighten your belt. If you don’t know how to do this or want to learn more, it is best to hire a financial adviser who can come up with a plan so you can just follow it.
NOVYAR
Novyar
http://www.articlesbase.com/personal-finance-articles/changing-times-in-a-recession-732726.html
the story of 16 years of free meat hope you enjoy?
Posted by admin on Apr 21, 2010
16 Years Of Meat
It
Was many years ago since the embarrassing day
When a young woman,
With a baby in her arms, entered his butcher
Shop and confronted him
With the news that the baby was his and asked
What was he going to
Do about it? Finally he offered to provide her
With free meat until
The boy was 16. She agreed.
He had been counting the years
Off on his calendar, and one day the teenager,
Who had been
Collecting the meat each week, came into the
Shop and said, "I’ll be
16 tomorrow."
"I know," said the butcher with a smile,
"I’ve
Been counting too, tell your mother, when you
Take this parcel of
Meat home, that it is the last free meat
She’ll get, and watch the
Expression on her face."
When the boy arrived home he told
His mother.
The woman nodded and said, "Son, go back to the
Butcher and tell him I have also had free
Bread, free milk, and free
Groceries for the last 16 years and watch the
Expression on his
Face!"
some oldies you just have to repeat
liked your blonde joke
HAHAHA!
so did not see that coming 
thanks – it’s not everyday i find a joke that i haven’t heard before 
The Benefits of Cash Back Credit Cards
Posted by admin on Mar 31, 2010
Cash back credit cards offer customers cash benefits on certain purchases. The offers differ for different cash back credit card companies. Some offer higher rewards on purchase of selected items while some provide benefit on almost any purchase. Cash back credit cards are an alternative to saving money. The cash back credit card users benefit from the cash refund, on spending a particular amount.
Cash back credit card rewards vary from creditor to creditor. 1% is the lowest reward on cash back credit cards and 6% is generally the highest limit of cash back benefit. Credit card companies and banks generally place rewards on the purchase of some selected articles. Generally purchases made at gas stations, drug stores and grocery stores carry higher cash back percentage rewards, varying from 4% to 6%. Some cards require the user to spend a certain stipulated amount on the cash back credit card to be able to avail of the cash back facility.
Various Types of Benefits of Cash Back Credit Cards: Cash back credit card rewards can be of three types -
‘Discounts’, ‘Points’ and ‘Air Miles’.
Several credit card companies tie up with certain brands and companies and their customers avail of discounts when making purchases from these companies.
Credit points are points earned by the card user on or above the purchase of a certain amount. These points can then be used to shop at select stores.
Air miles are the bonus miles rewarded to the credit card users. Many airlines team up with the credit card companies to extend ‘Travel Rewards’ to patrons. After that, card users are rewarded with 1 mile for every dollar spent on the card. This again varies from one company to another. Some credit card companies even offer two miles for each dollar spent on the card. Some travel rewards include free hotel accommodation, discount on car rentals and credit to buy a new car.
Cash back credit cards provide special benefits to customers for a year. It is therefore advisable to choose one with a low rate of interest. Timely monthly payment of bills is equally important, to avail of the card rewards. Late payments have a negative rating on your ‘Intro APR’. This may lead to the special benefits being lifted from your card.
0% Interest Rate: Cash back credit cards generally the enable card user to receive 0% balance transfers for a year, after the user signs on. Many credit card companies charge balance transfer fees up to 4%.
0% APR: Under the 0% APR scheme, some credit card companies provide only balance transfers at 0% APR, while some offer both balance transfers and purchases. The time period for which the 0% APR is valid is again very important to identify. The best credit card companies generally offer 0% APR for 12 to 15 months.
Users must read the small print carefully when applying for cash back credit cards. It is better to compare the rewards offered by the different credit card companies and then invest in one that offers the best deal.
Joseph Kenny
http://www.articlesbase.com/finance-articles/the-benefits-of-cash-back-credit-cards-75221.html
Nautical Gifts or Home Décor For Boat Lovers
Posted by admin on Mar 29, 2010
We found some Nautical gifts that are unique, eclectic and eco-friendly items which not only help the planet but provide jobs to artists who use earth-friendly materials to create their products. UnusualHomeDecor.com’s CEO is pro-environment with a degree in environmental studies and is dedicated to offering the best in planet-friendly products on the market today.
Nautical Planters
The original nautical planter designs are boat planters that are stunningly beautiful. They are versatile and work as window box planters and are ideal to hang around the pool area to hold beverages during parties and can also act as beach towels. There are two different sized planters – 36″ half hull boat planter and the 15″ half-Hull boat Transom Planter. Both are made from fiberglass and are weather resistant with a long lasting design that is pretty much maintenance free.
They come with a durable finish of shiny while gel coat that is the same as what’s put on a real boat; as a result they will remain shiny for years to come even when exposed to bad weather. It comes with a choice of colors made of vinyl for the rubrail and double waterline, which adds a distinctive look and nautical flair. The planters lay flat and flush against a wall, railing or fence with a coco-fiber lining to help promote healthy plant life and come with or without drainage holes.
Nautical Bags
If planters aren’t your thing, why not take a look at the wide selection of nautical tote bags and accessories made of sailcloth. These very eco-friendly bags are made from recycled and reclaimed yachts that are imported from around the world. They are Urban Chic and Ocean Durable designs with write-ups in major magazines including the New York Post, In-Style, Forbes Life, and Sailing to name a few.
They come in rope tote styles with a star that’s red, blue or black, and Original zip total in blue, green grocery bags with blue, red and black numbers, an original sailcloth duffle bag with blue and orange trim and a couple of very unique items including a shower curtain and dog bed.
The rope tote is very durable with a sophisticated design that is all nautical with a bright star against a white Dacron Sailcloth and high-performance Kevlar Sailcloth. It is considered to be a gorgeous addition to the urban-chic in that it’s both functional and stylish while maintaining its durability and long life.
The Green Grocery Bag sports a sophisticated design that is a reflection of the nautical life again combining the hi-performance Kevlar Sailcloth with the crisp white Dacron and comes with different sale numbers and sail insignia from the actual yacht sails.
Nautical Home Decor
The shower curtain is a classic that any sailor or sailing buff would love to add to their bathroom. It comes with a hint of nautical presence and can be used with or without a liner. It is a large 72″ x 72″ for full coverage in the bathroom shower.
The nautical Dog Bed can hold two king size pillows (not included), comes with a zipper on one side for easy pillow inserting and is perfect for your four legged buddy to lounge or sleep on.
UnusualHomeDecor.com offers standard shipping via UPS Ground, and allows for all the major payment options: Visa, MasterCard and Discover. Paypal is also accepted.
Between the nautical planters, tote bags, shower curtains and dog beds, you can add just a touch of the sea to your home and garden, at affordable prices and enhance the unique style of your home decor. Unusual Home Decor offers a wide variety of gifts designed for the person who wants distinctive and different furnishings that are environmentally friendly and make a unique statement.
Kris Brand
http://www.articlesbase.com/sports-and-fitness-articles/nautical-gifts-or-home-deacutecor-for-boat-lovers-1200700.html
Locating Money, Personal and Business Levels
Posted by admin on Mar 18, 2010
In this present economy, finding and securing money at the personal and business level is necessary in order to achieve financial stability…Many lenders are at the present time are securing additional funding for themselves from the federal government in order to survive a financial disaster. Others lenders that have secured lending still haven’t released sufficient funding to consumers and businesses, therefore the financial illiquidity has continued. In these hard economic times, locating money, whether consumer or business, can be a major challenge.
One of the first considerations the consumer and/or business should address is how strong or weak is their personal credit. It is important to periodically obtain your personal credit data and review its content. In addition, it is necessary to protect yourself from personal credit errors or theft. Many credit bureaus offer package deals to the consumers and businesses for credit reporting purposes. Identity theft companies are also available to provide alerts to changes in credit activity..
Even if your personal credit score is strong, lets say 680 or higher, your debt to income ratios will be also analyzed to determine your financial liquidity. If your liquidity factors are poor, there is a good chance you will be declined or a reduced approved loan amount could be available. You have to remember that these banks have billions and billions of bad debts on their books and they are asking for government assistance at the present time. In addition, other factors on your credit reports may trigger other problems as well. The bottom line here is to know what is on your credit report before you start applying for a loan.
If you are looking for an unsecured or secured loan, this may be difficult at this stage depending upon your relationship with your l bank. Lenders are looking for as much security that they can obtain, therefore additional collateral will probably be required in the form of hard assets, receivables, inventories, real estate or collateral of stock. If you have many years in business, a strong D&B, and possible other mitigating factors with a high personal credit score might qualify you and/or your businesses for a working capital loan.
Most small business owners aren’t going to be eligible to qualify for the above facts. Sufficient collateral and security for the lenders becomes a paramount issue before the lenders will consider the funding request….. Many businesses, either startup or seasoned, may be frozen out of today’s funding and therefore threatens their existence to survive or get started…
In the market today, secondary funding has become available to the businesses and/or consumers.. Many businesses without good business and/or personal credit still can be eligible for factoring, cash merchant advances and/or loans, or securing money on free and clear hard assets. These lending programs are available but their costs aren’t cheap in nature…. Factoring can cost you between 2-5% per invoice but could be a welcome outcome to a cash strapped business with no liquidity.. Obviously, understanding your business model, its gross profit and relates costs should be considered before looking at a factor.
Merchants can overcome bad credit by receiving substantial master/visa credit cards for payment of business services. This can include restaurants, bars, retail shops, gas stations, grocery stores, nightclubs, etc. Eligible cash merchant advances can be 1.25 to 1.5 x the previous six months average monthly visa/master card sales…Usually one can be qualified within 1-2 days and funded within 7 business days….
Many businesses have free and clear assets but no working capital or cash. Types of assets include dump trucks, commercial trailers, bulldozers, excavators, semi trucks, construction trucks and equipment etc…These free and clear assets can free up working capital for the business in need of money.. Lending terms could be between 36-60 months…
One of hidden forms of cash can be available to businesses and individuals in their tax returns.. Many businesses have lost money in 2008 due to the bad economic times. If you had business losses at the corporate and/or proprietorship levels for 2008 and had income for either/ both 2006 and 2007, you could be eligible for a net operating loss carryback which could generate a substantial tax refund…This could generate a substantial amount of available cash that you may not have anticipated.. You should consult your tax professional to ascertain where you stand.
Additionally, individuals should be talking to their tax advisor to see if there is tax refunds due to them for either overpayment and/or new tax benefits offered by the government….This could generate needed cash either to invest and/or survive debt demands…..
One of the most recent cash money programs available to individuals is payday advances. These programs are able to offer the person with bad credit money up to $1500. These programs are important because you never know when a potential problem in your life may be in front of you and cash is needed ASAP.. These monies can be used for anything and are paid over a short period of time. The percentage cost factor is high but this program may save you if needed for an emergency. Once you establish yourself and pay it off, you can reapply if needed. This program isn’t credit driven but work and bank accounts are critical in order to pay back… Call and check out the details of these programs….
One of the hidden areas in this recession is the repossession market, there is billions of dollars of repos out there that create an opportunity for the individual and/or business. Repos exist in the housing, construction, trucking, retail markets etc. Banks have
taken repos back by the droves and need to put them into their revenue stream. Many repos you can get for no down, little or low down, and this offers the startup and/or seasoned businesses an unique opportunity…The combination of the pricing and financing has given the laid off employee an opportunity to get into business for a small amount.. Employees who want to be owner operators have an opportunity to get financing and generate substantial more revenue for themselves… These opportunities exist in many industries so it is worth the time and effort to do some research to achieve financial independence or expansion for the seasoned business.
In conclusion, this recession has created a paramount cash illiquidity. Strong banks that were considered the pillars of society have in many cases been brought down to their knees. The car industry has been leveled to the ground and government assistance was required to give these car makers a final opportunity. The housing and financial markets have brought chaos to the whole world and the ending to this crisis is still not known. It is important that the business and individuals consider the above facts but look at the unique niche opportunities out there. The repo markets are at their heights and basically gives every person an unique opportunity to start and/or expand a business….
Rick Reed
http://www.articlesbase.com/entrepreneurship-articles/locating-money-personal-and-business-levels-727240.html
Online Shopping In The UK
Posted by admin on Mar 16, 2010
Computers have been in use in the United Kingdom for as long as they have been used in other parts of the world but online shopping is still not the phenomenon that it is in the United States, where more than half of the population has shopped online. This is not to say that Britons do not shop online, just that they don’t use online shopping quite as much. They still prefer to shop in shops on the high street and have some tea afterwards or go to outdoor markets for fish and produce. Still, the convenience of online shopping has its allure and there are a number of attractive purveyors of all sorts of goods who will deliver the goods, so to speak, for orders placed online.
However, there are several department stores online, they range form the elegant and traditional Marks and Spencer’s to Tesco – a budget priced merchandiser of most things, especially household goods and electronics. Marks and Spencer’s has a full line of Women’s, men’s and children’s clothes and traditional but quality designs. They offer free shipping on orders over 39 pounds. Marks and Spencer also has a grocery with fresh and hard to find produce and top quality poultry, meat and seafood. It offers a range of prepared foods marketed under their own Marks and Spencer’s brand. Remember Brigit Jones? Marks and Spencer’s gourmet line has a variety of upscale, utterly delectable, well prepared high quality take out items that are also available online. Just as with Brigit, Marks and Spencer’s addiction could be your friend in times of need and your ultimate downfall as the high caloric content and high prices take their toll.
Kelkoo is on online shopping super site that is popular not only in the United Kingdom but also throughout Europe. Our site offers everything from clothing and house wares, to travel and hotel reservations. Kelkoo UK offers a comparison shopping and a search engine to help the consumer find the right item at the best price. The Kelkoo offers a feature where users may list their own items for sale. There is a small consignment fee for this service that is levied upon each sale. Another must have feature on Kelkoo is that you can pre order Harry Potter books before they hit the market.
Here are enough online merchants in the UK to satisfy every shopper’s need. Electronics, computers, books, house and garden retailers are all to be found a click away. Apple not only has an online store in the UK, it features a source of refurbished machines that are certified and available at lower prices, Dell, Hewlett Packard, Toshiba and the usual cast of computer characters are all available online. Bay has, of course, colonised UK online shopping and it operates under the same terms as in the U>S>
The consumer has access to an unlimited number of online retailers in the UK and just has to enter the item in his browser to pull up all the retailers. Orders are placed and filled in much the same way as in the US but shipping tends to be higher. Visa MasterCard and Paypal are all accepted forms of payment.
Stacey Day
http://www.articlesbase.com/internet-articles/online-shopping-in-the-uk-134340.html