Archives for December 2013

Merry Christmas

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I Love My Pets

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Do you ?  I know I am a huge pet lover and my 2 dogs are sometimes treated better than my hubby or kid.  😉

Are you looking for something new to add to your business portfolio in 2014?  Do you love animals?  Are you pets a huge part of your family?  Why not show them how much you care, by joining a new pet based direct sale company and spoil your pets with discounts on amazing pet products, as well as earning an income by selling the amazing products to others who love their pets.

I am looking for HIGHLY MOTIVATED individuals who want to take part in this brand new direct sale company! We just pre launched 8 days ago and already we are currently at 300 plus reps! I am one of the first consultant for my state and you could be the first rep in your area as a possible FOUNDING consultant!! Many states are wide open. Contact me for details about this ground floor opportunity company!

No kit cost till the middle of December! You can fill out the registration form and you are not committed to anything until Dec 15th, when they launch.   At that time you can choose to stay with the company or not.

For Tails Only is an exclusive pet boutique carrying treats made of the finest ingredients from the USA, grooming and bath products, unique pet toys, gifts and more.
Our product line puts your pet’s health and safety first.

Join my Team.   Click Here to register, and please put Julie Pardy in the Referral area.   This puts you on a great team!!

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MyBumBum Shoes: Making a Girl feel Special

MyBumBum Shoes: Making a Girl feel Special

When I was a little girl, I’d get excited to go shopping with my mom. Not window shopping, but shopping for a specific purpose. As an adult I feel the same way – I only like to shop when I know what I’m shopping for.

My 9-year old daughter, Alijah, is the same way. She’s not interested in going to the store unless she’s looking for something specific. She’ll wear the same clothes and same pair of shoes all year round – cold weather or hot.

Courtney, however, got her love of clothes from someone else, because she certainly didn’t inherit that gene from me. She can shop for days, and even changes outfits two or three times a day. When she’s not changing her clothes she’s repurposing scarves, plastic grocery bags, and other odd items into her newest fashion creation.

But now, as the daughter of a blogger – and one who’s learned to appreciate shopping online versus shopping in person, she gets excited about the knock on the door from the mail or delivery person.

This package was no exception. She got to pick out a pair of sparkly shoes and she was expecting them to arrive within days of her “order”. When they finally came, she was jumping up and down from excitement!

About a week prior Courtney picked out a pair of shoes from bumbums baubles. She chose Lily Mary Jane – Pink Sparkle and even chose which dress she’d wear with them when they came.

I chose to order the shoes in a girl 1 and should have gone with the toddler 13 instead. But, no worries – she’ll definitely grow into them. The shoes are cute, and sparkly, and perfect! They’re totally for girly girls and Courtney was happy to wear them. The only problem we encountered was that we had a hard time attaching the bow to the shoes, which didn’t really make a difference since they’re made to be worn plain anyway. The attachments are cute though and can really make the shoes extra special for your little princess.

Courtney gives them an A+ and was excited to wear them to school during spirit week for dress up day. She was so adorable.

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Disclaimer ~ Today’s Work at Home Mom received product to facilitate a review.  All opinions are 100% Monique’s and her daughter Courtney’s.

 

 

Great Holiday Giveaways Going On #Giveaways

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Head on over to Living Smart Girl and enter their great Stocking Stuffer Giveaway.
Get a stocking filled with great products from great companies.

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Hurry on over to Living Smart Girl to enter the PAM Giveaway.   1 Day left to enter.

Don’t miss out on these great giveaways.

Saving For Your Child To Go To College

Saving For Your Child To Go To College

 

Every parent wants to see their child go to college, but it can be a real financial burden.  For example, in 2010 it cost nearly $16,000 a year to send a child to a state university, and that went up to more than $32,000 for a private college.  If you look back over the decade before that, the cost of going to university rose over 60% – so if your little one is eight years old now, the chances are that you will be paying out at least $120,000 for a four-year degree.  It’s definitely time to get saving.

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However, the problem is that your savings aren’t going to earn very much interest today.  For example, 1% is average interest rate on a CD, and if you put your money into a savings account you’ll probably end up with even less.  You can get better returns by investing in treasury bonds – for example, a 10-year treasury bond pays about 2.75% at the moment – but your money is locked up for that period of time.  What other options are there?

 

One of the most popular ways of saving is a 529 savings plan.  This is very similar to the 401(k) that you have for retirement – you don’t pay any tax on interest and other gains until you use the money to pay your child’s tuition fees.  This means that your savings will grow more quickly thanks to the power of compounding – and in any case you won’t end up paying the tax at the end if the money is used to pay qualified tuition expenses.

 

Another thing to note about a 529 plan is that it belongs to you, not to your child.  This is very important – setting up investments that your children own to pay for college is generally a bad idea.  This is because of financial assistance implications.  For instance, if you have $100,000 in savings when your child goes to college, the available financial aid will only be reduced by 5.6% of this amount – $5600.  On the other hand, if your child has $100,000 in savings, the amount deducted from financial aid allowances can be as high as 35% of this – $35,000.  That’s 20% to 25% of the total cost of college that you’re giving away when you don’t have to.

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Many parents also find that prepaid tuition plans are a good idea.  This is when you pay for tuition in advance, rather than paying for it when your child goes to college. The advantage is that you pay for future tuition at today’s prices – which can be a good deal if tuition fees rise more quickly than inflation. However, there are a couple of catches. First, you can save for prepaid tuition using a prepaid 529 plan, but this can only be used to pay for tuition in the state where you live. Second, the full value of the amount in the plan will be deducted from available financial aid – unlike the 5.6% that is deducted for a 529 savings plan.