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National Consumer Protection Week 2015–March 1-7

Posted by The Frugal Diva on 24th February 2015

With all the hacking and scams, the Frugal Diva says information is the best protection. Use the resources below to find out about buying a used car, making investments, and much more.

March 1-7, 2015 is National Consumer Protection Week (NCPW), an opportunity for organizations around the country to show their commitment to consumer protection by teaching people about their consumer rights. More than 80 Nonprofit groups, businesses and federal, state and local government agencies are partners in NCPW and hundreds of other agencies and organizations host events for the week (and beyond) throughout the country. NCPW partners share resources and have created a toolkit to help people coordinate events during NCPW.

NCPW.gov – in Spanish at protecciondelconsumidor.gov – has free resources from NCPW partners on topics from managing credit and debt, to avoiding identity theft, to staying safe online and more. These resources help people learn about their consumer rights and how to spot and avoid scams and identity theft. If you spot a scam, the site tells you where to file complaints with federal, state and other partners.

On March 3 at 2:00 p.m., the Federal Trade Commission (FTC) will host a Twitter chat in conjunction with National Consumer Protection Week 2015. Follow @FTC where consumers can join the conversation. The hashtag is #NCPW2015. See FTC Twitter chats to learn more.

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New Research Finds Volunteering Improves Health and Happiness

Posted by The Frugal Diva on 28th January 2015

If you have 2-3 hours to spare each week, you might want to consider volunteering, particularly if you’re 50 or older. Not only can the experience be incredibly fulfilling, new research finds that it might just make you healthier, happier, and more physically fit.

The group of researchers led by the Rotman Research Institute at Baycrest Health Sciences analyzed data from 73 studies involving people aged 50-plus who were in formal volunteering roles. The results were published in August 2014 online in Psychological Bulletin. Here are some of their key findings:

  • Volunteering is associated with reductions in symptoms of depression, better overall health, fewer functional limitations, and greater longevity.
  • Health benefits may depend on a moderate level of volunteering. There appears to be a tipping point after which greater benefits no longer accrue. The “sweet spot” appears to be at about 100 annual hours, or 2-3 hours per week.
  • Adults considered “vulnerable”, meaning they had chronic health conditions, may benefit the most from volunteering.
  • Feeling appreciated or needed as a volunteer appears to amplify the relationship between volunteering and psychosocial well-being.

Earlier studies had also found a moderate amount of volunteering was related to less hypertension and fewer hip fractures among seniors compared to their non-volunteering peers.

“Taken together, these results suggest that volunteering is associated with health improvements and increased physical activity – changes that one would expect to offer protection against a variety of health conditions,” said lead investigator Dr. Nicole Anderson.

No matter where you live, you can find places in need of volunteers. At my kids’ elementary school, neighborhood volunteers serve as “Reading Buddies” to some of younger students to help boost their reading proficiency. Community theaters often rely on volunteers to serve as ushers, answer phones and other tasks. If you love animals, an animal shelters could be just right for you to dedicate a couple hours each week. Local hospitals and churches are also often in need to volunteers. Reach out and find a cause that’s meaningful to you to start reaping the many rewards of volunteering

SOURCE:

Evidence mounting that older adults who volunteer are happier, healthier. News Release. Baycrest Center for Geriatric Care. Aug 2014.

This article is written by   Stu Lieberman the writer for Nutri-Health.com, an online High Quality Probiotics  and Health Store.  Assisting people and helping them find quality natural probiotic supplements enzymes and health products online is what Stu has been doing for over 2 years.  Nutri-Health.com carries Digestive Supplements to Probiotics to Joint Health.

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Tips for Surviving Holiday Parties without Weight Gain

Posted by The Frugal Diva on 9th December 2014

When you’re watching your weight, or just trying to be healthy, holiday parties can be a challenge. And, they seem to multiply every year. There’s your office party, your neighbors’ parties, your kids’ parties at school, and of course, your own family gatherings.

If visions of yule log cakes, cookies, and cheese balls have you panicked, take heart. You don’t have to forgo healthy eating this season. And you don’t have to skip out on all the merriment. Here are some tips to help you stay on track and avoid weight gain from all those holiday parties.

  • Eat Breakfast. When you start your day off with a healthy, nutritious, and satisfying meal, you’re more likely to continue to make healthy food choices throughout the day. The morning of a holiday party, start your day with a morning meal that includes healthy protein, like eggs or low-fat yogurt, lean meat, and fruit.
  • Keep Moving. The holiday season is busy. If you don’t have time to go to the gym or do your regular workout, look for ways you can incorporate physical activity into your day. Take your dog for a walk, have a dance party with your kids or grandkids, or anything else that gets your heart pumping.
  • Bring Your Own Healthy Dish. If you’re attending a potluck, offer to bring a healthy main course or side dish. That way, you’re guaranteed to have a lighter, healthier option to eat.
  • Use Small Plates. When making a plate at a party, choose the smallest plate available. Smaller plates help keep your portions in control, as they limit the amount of space you can fill.
  • Load up on the Veggies. Once you’ve grabbed your small plate, head over to the vegetables. Fill half your plate with raw veggies. Raw vegetables are best because you know they haven’t been cooked in, or covered with, calorie-filled sauces. If you want to add a some flavor, drizzle a little balsamic vinegar over your veggies.
  • Make Sure Your Plate is Colorful. Once your plate is filled take a look down. You should have a variety of colors represented. A plate of brightly-colored foods is often a sign that you’ve made wise choices. Just be sure those colors are not coming from candies and sweets!
  • Have a Nibble of Chocolate. That’s right… chocolate. Dark chocolate has been shown to promote satiety, so you feel fuller longer. Having a little nibble of the dark variety can also help to satisfy your sweet tooth, so you don’t overindulge at the dessert table. Note that milk chocolate does not provide the same health benefits. Look for dark chocolate containing at least 70% cocoa.
  • Socialize and circulate. If you’ve finished eating, keep yourself busy talking to family and friends, away from the table of food, so you’re not tempted to go back for seconds or thirds. Parties aren’t just about the food. Use this time to get to know someone new, or catch up with an old friend.

This article is written by  + Stu Lieberman the writer for Nutri-Health.com, an online High Quality Health Supplements such as PQQ.  Assisting people and helping them find quality natural health supplements online is what Stu has been doing for over 3 years.  Nutri-Health.com carries Digestive Supplements to Probiotics to Joint Health.

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Sun Trust Holiday Means

Posted by The Frugal Diva on 25th November 2014

To help people better manage holiday spending and avoid stress, SunTrust is offering tips, tools and advice on a website called holidaymeans.com.

Resources include a downloadable budgetworksheet to track spending; planning guide with steps to achieve a stress-free holiday; ideas for creating holiday memories; inspirational videos; and posts from guest bloggers that offer advice for a meaningful holiday.

“Holidays should be less financially stressful and more meaningful,” said Rilla Delorier, consumer channels executive at SunTrust Bank. “Our purpose at SunTrust is to help people achieve financial well-being, and that’s especially hard to do this time of year. Through holidaymeans.com, we’re showing people how they can think differently, spend thoughtfully and take specific steps to stay in financial control.”

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The Ultimate Black Friday Guide

Posted by The Frugal Diva on 25th November 2014

Thanks to the folks at GOBankingRates.com for this comprehensive list of store openings, best buys, and shopping tips for Black Friday. They sure know when to hold em and when to fold them. Check them out to find the hottest deals, why some items are better priced after Black Friday, and how Black Friday came into existence. And most importantly, don’t just wait for Friday. Many stores and websites are starting their deals early.

With GOBankingRates.com doing all the work, the Frugal Diva gets to sleep late, take in the free FIDM museum downtown, grab a bite at the Grand Central market, and start planning for Cyber Monday.

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Don’t Fall for It!

Posted by The Frugal Diva on 21st November 2014

The folks at SingleHop provided some expert advice  to help spread the word about how people can keep themselves, their families and their information safe online.

To help you, they have put together some useful information.

Hacking methods

Online scams: Scam attempts have gotten way more sophisticated than the stereotypical Nigerian Prince trick. The FBI’s Internet Crime Complaint Center (ic3.gov) lists dozens of variations on email and online scams – from fraudulent automobile auctions to online dating schemes – in its annual Internet Crime Report. In 2013 alone, more than a quarter of a million complaints were submitted related to online scams. And if you think it only happens to older people, think again: One fifth of scam victims last year were younger than 30.

Phishing: One particularly nefarious form of online scam uses legitimate-looking websites to trick a victim into sharing their username, password, or other sensitive information. Phishers will design their sites to look exactly like the website of your bank, credit card issuer, or another financial institution. The hope is that you won’t realize you’re on the wrong site, and just punch in your password like you normally would. Then, they use it to log into your real accounts and transfer out your money.

Massive data breaches: The above methods are all aimed at getting information about individuals. However, there’s a whole profusion of hackers who are looking for the big score. Recent hacks of Home Depot, Target, and other major retailers have led to millions of credit card numbers being compromised. Hackers turn around and sell these numbers on a black market website for anyone who might be willing to buy them.

Staying Protected

Vigilance: Look carefully at a website before giving any information, especially sensitive data like passwords, credit card numbers or Social Security numbers. Especially look out for slightly misspelled words or words that use unexpected characters, such as substituting a “0” (number) for an “O” (letter) – for example, H0ME DEP0T. If something looks even a little bit fishy, delete the email or close the site immediately.

Browser bookmarks: Rather than clicking on links in emails, create bookmarks in your browser to commonly used sites, like your bank, insurance company, etc., and use those bookmarks every time you visit the site. That way, you know you’re always going to the right website, rather than trusting in an email that could’ve been sent by anyone.

Two-factor authentication: More and more sites (especially those of financial institutions) are using two-factor authentication. With such methods, after logging in with your password, the site will text or email you a single-use code that must be entered. Only the registered phone number or email address will receive the code, making it that much harder for hackers to gain unauthorized access to your accounts.

Protected servers: Consumers may not have direct control over how companies store their information, but with larger and larger hacks occurring regularly, you have a right to demand that companies take more responsibility for securing your personal information. For example, SingleHop embeds security features into their dedicated servers at the physical access level all the way down to the network, server, application, and account levels. Close monitoring along with antivirus protection, application patching, private networking, and firewalls all work to ensure that company data is protected and isolated.

Thank you Single Hop!

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Veteran’s Day Deals

Posted by The Frugal Diva on 10th November 2014

In honor of Veteran’s Day, Slickdeals has pulled together the best freebies/deals.

Freebies

·  Restaurants

·  Other

Deals and Discounts

·  Kohl’s

o $10 off Orders Over $25

o valid from 11/7 through 11/11

o http://slickdeals.net/f/7283886

·  Amazon

o 20% Off Select Clothing, Shoes, Jewelry, Watches and Luggage

o valid through 11/11

o http://slickdeals.net/f/7306734

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Free Shipping and More

Posted by The Frugal Diva on 20th October 2014

Sure we all love free so try out this 30 day free trial. If you do all your shopping online this site just might be the answer for you.

FreeShipping.com gives 10% cash back on all purchases at a massive network of over 1,000 major retailers including Victoria’s Secret, Kohls, Best Buy, Macy’s, Target, Walmart, Sephora, DSW, Sears, and many, many more. Freeshipping.com is a subscription based online shopping portal that was founded back in 2002. Unlike Ebates, which gives you a different amount of cash back depending on the retailer, FreeShipping.com gives shoppers a consistent 10% back at every retailer, along with stackable coupons, free shipping and return shipping, and price protection.

With FreeShipping.com’s portal, shoppers can go directly to a partner retailer’s website to make a purchase, or they can search through over 100 million SKUs to find the very best price for an individual item at any of the retailers on the network. No matter how they shop, subscribers receive significant savings through their FreeShipping.com membership, including 10% cash back on all purchases.

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Frugal Cleaning Tips

Posted by The Frugal Diva on 23rd September 2014

Guest Post

Thank you Heather Roberts for these great tips!

Nowadays prices of products tend to gradually grow in many areas, which often puts a serious strain on the wallets of many households. This becomes especially troublesome in terms of cleaning, so
you would often need to find ways to alleviate the situation and to bring something good to the table to survive a hostile economy. No matter how hard things look however, there is always a cheaper
alternative to choose from out there. The same thing goes for any cleaning products you need to work with. Although it may seem like an easier task to hire a company to do it all for you, in the end chances are you will not be able to afford such a service on a regular basis if you’re barely scraping by. The following tips will give you more information you can work with to make your frugal cleaning efforts possible:

• Using water and dish soap

There are quite a few ways cleaning can be done with the simplest of solutions, such as dish soap or even nothing but water. In many ways commercials have taught us that nothing can be done unless you use [insert name here] for your cleaning needs and that nothing else will get the job done. This, however is not always the entire story. Simple dish soap can do a lot more than just clean dishes, so you would do well to consider it when cleaning carpet stains, windows or even doing laundry if you have nothing else on hand.

• Cleaning often

Doing a bit of cleaning on a semi regular basis is one thing, but cleaning more often will eliminate the need to clean with expensive cleaners and to deal with tough spots. We all know the difficulties in cleaning old spots, so they will need a lot more work than usual. Most stains can be easily dealt with by using laundry or dish soap and water, assuming the area is cleaned right after the stain occurs. You can spare some time to prevent them if you act quickly and decisively. A little bit of work every day or two will ensure you have things under control.

• Avoiding expensive products

A lot of times people buy only products they have tried before and they know they can trust. This is mostly because they are advertised as reliable, but for the most part you can find their equivalent in your local stores, often offering the same benefits at a reduced price.

Reusable cleaning supplies

If you want to save a good deal of money, you will have to rely on items that are not disposable, but reusable instead. Mops, cloths, rags and more are needed of you want to make things happen. This will help you save a good bit of money in the process, since you can use them for a longer amount of time.

Thank you Heather Roberts for these great tips!

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5 ways to say “I wuv you.”

Posted by The Frugal Diva on 22nd September 2014

Easy ways to pamper your pets

No matter what kind of day you’ve had, a little love from your pet is an instant pick-me-up. Spent two hours ensnarled in traffic? A little nudge from a wet nose will fix that. Boss isn’t cutting you any slack? Your furry friends think you can do no wrong.  Your soon-to-be-spouse suddenly got cold feet? You’ve got two big brown eyes gazing up at you with unconditional love.

So how do you say thanks to the furry friends who’ve made your life complete? Here are five easy ways to pamper the dogs, cats, birds, ferrets, gerbils, reptiles and other adorable animals you adore.

  1. Walk this way. Grab a leash, open the door and the world is yours: just you and your baby and the great outdoors. A walk with your furry friend is about more than just quality alone time with his or her favorite person. It’s also an opportunity for both of you to burn some calories! If your pet isn’t the outdoors type, you can still offer plenty of opportunities to exercise. Outfit his or her tank or cage with a complete workout suite: treadmills, wheels, posts to climb, exercise balls and more.
  2. Spoil them silly. Throw a new toy in front of your pet and turn off the TV: seeing your furry friend chase around his new possession will provide better entertainment than anything on television. You might even want to grab a video camera so you can capture the fun!
  3. Don’t cheap out on the chow. Pets are expensive—we all know that—but one thing you don’t want to skimp on is a high-quality, species- and animal-appropriate pet food.  Check with your veterinarian about what’s best for your furry (or slimy, or feathered) friend. Then find your pet a comfortable place to eat—preferably near where the whole family dines so he or she can be part of mealtimes. Worried that ugly plastic food bowl clashes with your china? Choose a gorgeous food bowl like this one instead so your chum can chow down in style.
  4. Spa day for Spot. Pamper your pet by giving him or her the royal treatment: shampoo, coat care, a nice, fluffy brushing and a “pet-icure.” Your pet will enjoy the attention, and a well-groomed animal is a healthy animal!
  5. Don’t forget about the vet! Even if your dog or cat is as healthy as a horse, don’t forget those well-visits with the veterinarian. Your pet’s health care professional will be able to address any concerns you might have and administer recommended vaccines. Plus, a thorough check-up will allow the doctor to detect any problems that might be developing before they get serious.

Vitacost.com has been selling discount vitamins since 1994. Since then we have grown into one of the biggest online marketplaces for healthy living essentials-with vitamins and supplements being just one of our many helpful categories! Get the best price on vitamins, nutritional supplements, pet products and other products like cranberry beans. Our customers mean the world to us, and it’s our goal to provide you with the best nutritional supplements, health foods and sports nutrition to help with your health and wellness.

By: +Jorie Mark: writer for Vitacost.com

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