How to buy good but affordable car insurance

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When it comes to buying car insurance, we all want to get the best and the most cost effective option that is available. As such, there are a number of things that one can do so that they can find affordable and good car insurance. The fact that there are thousands of companies that sell car insurance means that there are good deals that you can go for.

Now, what are some of the tips that one can follow so they can find suitable car insurance? Other than Balsiger Insurance, where else can one buy affordable car insurance? What kind of terms and conditions do they need to fulfill for them to buy affordable and effective car insurance?

Well, here are some tips to help you find affordable car insurance:

Shop Around

This is definitely a common thing people do when they want to find bargain items. The same case applies to insurance companies. It is true that there are thousands of insurance companies that sell car insurance. Therefore, for you to find affordable or suitable car insurance for your needs, it is important that you shop around to find out what the various companies have to offer. It is important to know that different insurance companies offer different rates for their auto insurance clients. The best way to find the right one is by contacting insurance companies. Visit their websites and even make a call to the insurance companies and get to know their auto insurance rates.

Think about group auto insurance

It is possible to buy car insurance through your employer, just like it is easy to buy health insurance in the same way. One advantage of group auto insurance is that it offers effective and cheap insurance coverage. This kind of insurance coverage also comes with other perks such as towing, repairs, discounted car rentals and so on. If you work for a company that has many employees, it is possible to enjoy group auto insurance coverage.

Drop the auto insurance coverage that you don’t need

It is important to know that you may not need all the auto insurance options that are offered. The law only requires one to have the basic coverage of liability insurance. This means that one will need to have third party insurance coverage where they will pay the drivers and other third parties that they injure or make damages to their property. There are other extras that one can add on top of the basic auto insurance. However, if you want to make some savings, it is important that you choose only the auto insurance coverage that you need.

Bundle your auto insurance with other policies

Bundling your insurance coverage will help you get better rates. Just like it is possible to bundle TV and internet services, the same can be done for insurance coverage. You could get better rates by buying more than one insurance cover. You could, for instance, bundle your car insurance with life insurance. You could also get better rates if you insure more than one vehicle or driver. This way, your insurance provider will definitely offer you better rates.

Kroger Cake Review

Kroger Cake Review

Image source: Pinterest

Cake is one of the most important thing when you are having a party or during a holyday. This is why you need to pick the right cake to light up the party. There are a lot of things you should take into consideration from selecting the cake to receiving it at your front door or picking it up from the store. Also, take into consideration the design, the ingredients, and of course, your budget.

In this article we are going to review Kroger in order to find out more about their products and the designs. If you want to learn more about how to order a cake from Kroger and about their prices, you can visit them in person or search for the fees online. Kroger cakes prices are going to help you decide if this store is the best one to order the cake your want.

A Cake for Every Occasion

Kroger offer cakes for every occasion. At this bakery you can find cakes for birthdays, a baby shower, graduation, and even a wedding. For every occasion they have different licensed cakes. They have a vast selection of models and designs to choose from.

Birthday cakes
When it comes to birthday cakes, this is the area where Kroger excels. They have a lot of models for kids and for adults. Also, they have licensed designs for boys and girls. Some of their designs include Star Wars, Paw Patrol, Frozen, and Spiderman. All of these are very interesting and your kid is going to love the bright colors and his or her favorite character on the cake.

They also have simple designs which are great for a birthday cake. You can select a simple white or chocolate cake with a few sugary flowers as decoration. These are suited for anybody and they can even be a great birthday gift. One of the best thing about these cakes is the price. They price range between $24 and $47.

Baby Shower cakes
As we mentioned, Kroger has different cakes for every occasion. What better occasion to have a cake then a baby shower. They have licensed special designs for this event. Some of their most known designs include Baby Special Delivery Stork and Baby Block. The price of these are almost the same as the ones for birthday cakes.

Wedding cakes
If you want to have the perfect wedding but you are on a tight budget, you should pick out a cake from Kroger. They have 2 options: a 2-tier or a 3-tier cake. The designs are going to amaze you. These cakes look exactly like the ones you find at a renowned bakery and they also taste amazing. Also, this way you save some bucks on your wedding cake.

Build-a-Cake Service

One of the best things about Kroger cakes is that you can actually build your own cake just the way you like it. It is a great thing for people who want something special or simply when they don’t find the exact design they were searching for. Also, the best thing is that you can select everything from the cake type to the frosting and the decorations.

This option is great for those who want to celebrate a different event than a wedding or a birthday. With build-a-cake option, they are allowed to make the cake just the way they want. You can customize the cake by selecting the type of cake (sheet or round) and then choosing the icing, flavors, and the decorations. Get creative when purchasing a personalized cake.

Getting the Cake

After you selected and ordered the cake the only thing you can do is wait until the cake is ready. One thing you should consider is to pick up the cake a day before the part or at least a few hours before to make sure that the cake is ok. Kroger cake also offers a delivery option but not all Kroger stores have this option.

Unfortunately, cakes need to be picked up from most Kroger stores. It is important to order the cake about 72 hours before the party to make sure that the bakers have time to make it. Also, if the party is during a holiday you will need to plan ahead.

All in all, Kroger cakes have a great quality-price report. Since the price of the cakes are a lot smaller than the ones you will find at a renowned bakery, you should also expect the cakes to have a good design not an amazing one. Kroger makes it simple for you to order the perfect cake from their licensed designs or to build your own model. Just choose the one you like and enjoy it.

What’s a Bark Box? – Super Fun Doggie Stuff!

What’s a Bark Box? – Super Fun Doggie Stuff!

What is a Bark Box?  Why it’s a box of super fun doggie toys and treats delivered monthly to your door!

My daughter Jaime has been getting these boxes for her 2 French Bulldogs for a while now.  She’s been telling me about them for months.  She said her pampered canines loved them.  They now inspect every box that’s delivered to her door; just to make sure it’s not their monthly delivery!

Our friend Jowanna gets Bark Boxes too for her 2 dogs.  She tells me they KNOW when the box arrives and get so excited!

Well it took me a while, but last week when I was waiting for my daughter Jenny at the DMV I was browsing on Facebook and say this ad for Bark Box.  Better yet they were offering a deal to new subscribers, $1 for the first box! Wow, what a deal!  So I decided to give it a try.

First of all Bark Box is a subscription, you can choose 6 or 12 month subscriptions which you can cancel at any time.  I choose the 12 month of course, my Cannoli is pretty spoiled!   We got our first box in 7 days!  By the way shipping is free if you live in the continental US.  I live in Hawaii so I pay $5 shipping.

But I’m getting ahead of myself.  When you subscribe you choose what size pooch you have, small, medium, or large. I’m sure this helps them pack just the right size toys and treats for your pet.  I ordered the medium, Cannoli is a Siberian Husky and weighs 42 pounds.

Then you decide on the subscription length, put in your shipping and billing info and you’re set.  Now all you got to do is wait for the Bark Box.

When I got the Bark Box I was excited to see how Cannoli would react.  I popped the box open and took it out to her.  You can see from the video she was a bit reluctant at first, but when she sniffed out those treats she got the idea!

In our first Bark Box we got:  The boxes are themed, can you guess what our theme was this month?

bark boxLady Liberty Ball

 

 

 

bark boxPretzel Rope Plush

 

 

 

bark boxRoasted Duck NYC Jerky Chews

 

 

 

bark boxHunder’s Crunch Minis

 

 

 

Etta Says Bison Chews – don’t have a photo, she ate it as soon as she got it!

Cannoli loves her Bark Box and so do I!  Not only are they fun to receive, I think they’re a great buy as well.  I know I got my first box for a buck, but I will pay $21 each month.  (Prices vary depending on dog size and subscription length).  That’s a great deal!  Have you seen the prices for good quality dog treats and toys lately?  The monthly price is equal to a bag of treats and maybe a toy from your local pet store.  Dog treats can cost $15 or more and toys they’re pricey too, $20+ for a Kong Ball!  So really Bark Boxes are a great deal!

If you don’t have your own doggie pal you can send Bark Boxes as gifts to friends and family too!  It’s a great gift idea for the dog lover’s in your life!

 

 

Handy Kitchen Gadgets for the Holidays

Handy Kitchen Gadgets for the Holidays

Wow!  I can’t believe it’s the holiday season again!  This year’s gone by so fast!  Well, now that Thanksgiving is done it’s really time to get down to work on the winter holidays.  I know there’ll be a lot of cooking and baking going on.  Before I start on my serious holiday baking I like to make sure my kitchen’s ready.  That means organizing and stocking the pantry (I did that before Thanksgiving), making sure all the appliances (large and small) are ready to work hard, and checking that I have all the handy kitchen gadgets I need.

Almost every year I find a new kitchen gadget that I feel I can’t live without, it doesn’t always work out for me, but I  just love kitchen gadgets so I keep buying them!  Over the years I’ve accumulated some really handy kitchen gadgets.  I know I can’t live without them!

Here’s a list of my favorite kitchen gadgets and why I love them.  I won’t say they’re “must haves”for every kitchen, but they sure do make my life easier!

This post contains affiliate links.

kitchen gadgetsDash Go Rapid Peeler peels fruits and veggies in minutes.  I picked this up a couple of months ago to replace my batter powered peeler I purchased in Beijing almost ten years ago.  I loved that old peeler, but it finally fell apart 2 years ago and I haven’t been able to find a replacement until I found the Dash Go Rapid Peeler.

This handy kitchen gadget is even better than my first peeler!

The Rapid Peeler uses 4 “AA” batteries.  It will peel apples, potatoes, oranges, and just about any fruit or veggie you want.  I used it to peel apples for my homemade apple sauce, that’s the most tedious part!  The Rapid Peeler cut my prep time 75%!  I can’t wait to try it out on oranges so I can make some candied rind!

Here’s a short video of my Rapid Peeler at work!

kitchen gadgetsPotato Ricer makes perfect mashed potatoes.  I’ve had this kitchen gadget for well over 10 years.  It’s probably the best kitchen gadget investment I ever made.

This Potato Ricer is the easiest way to make mash potatoes!  Forget peeling and mashing.  I just wash the potatoes, boil, cut in half, then place each half (skin side up) into the ricer; squeeze and the potato comes out leaving the peel behind.

The resulting mashed potatoes have better consistency than potatoes pounded by a regular masher.  It’s thicker and more substantial and robust.  Of course I stir in butter, cream, and garlic to make the best mashed potatoes ever!

Potato Ricers come with 2-3 inserts that have holes in varying sizes.  They can be made of stainless steel or plastic and cost anywhere from $8 – $30.  I have a plastic one with 3 inserts that I purchased so long ago I’ve forgotten the price.  Obviously it was well worth it because I still have it!

By the way it’s also a baby food strainer!  So for moms who make homemade baby food (my daughters and daughter-in-law do, as I did when they were babies) this is a handy kitchen gadget. Just steam your veggies and squeeze them thru the ricer, healthy baby food every time!

kitchen gadgetsMake perfect gravy every time with a Gravy/fat separator.  The best gravy is made with meat drippings, but no one wants greasy, fatty, gravy.

Solve that problem by pouring the dripping into a gravy separator. Grease/fat floats up so you can pour it off before adding the drippings to your pot.

There are many different separators out there.  Some with fancy lids and spouts.  I’m happy with the simple plastic one, I’ve had my for years.

kitchen gadgetsA Digital cooking thermometer is a must have in my kitchen.  I’ve used one for over 20 years.  Ever since I worked in the food industry where it was a requirement.

Digital cooking thermometers take the guesswork out of cooking.  I use it for roasting, baking, grilling, and candy making.

Back in the day they were pretty pricey, but now you can pick one up for under $10.   Definitely worth it!

kitchen gadgetsThis Herb Mincer is a handy kitchen gadget if you love to use fresh herbs.  It’s super handy when you grow your own herbs like I do.

I love cooking with the fresh herbs I grow on my kitchen window ledge.  This mincer makes it easy.  I just snap off what I want to use, toss them in the mincer, and I have fresh ground herbs to sprinkle on anything I want.

It grinds dried herbs too!

 

kitchen gadgetsCookie cutters are always handy!

They come in all shapes and sizes.  These are my metal Christmas cookie cutters I use during the holidays.  You’ll definitely need some to make your Christmas cookies!

Don’t think cookie cutters are just for making cookies!  You can cut bread to make cute finger sandwiches, dough to make ornaments, and other crafting materials.  You can even use them as stencils, tree ornaments, and gift ornaments.

I tie one on to a jar of homemade cookie mix I give as gifts to friends and family!

 

kitchen gadgetsThis Cordless Cookie Press makes beautiful Spritz or butter cookies.

My daughter-in-law gave me this for Christmas a few years ago.  I think the brand has been discontinued, but Wilton makes a very similar one.

This cookie press makes baking cookies a breeze.  Just load the cookie dough in, choose a design, and squeeze cookies on to a cookie sheet.

It also comes with decorating tips for icing.  I’ve not used the decorating tips, I prefer to use regular tips with a pastry bag.  I just feel like I have more control, but that’s just me.

 

 

kitchen gadgetsI love my Silpat Silicone B Non-Stick Baking Mat!  It makes baking a joy and clean-up a breeze!

The mats help keep the food from burning or over browning, and from sticking.  You can also knead dough and make candy on these mats.

If you don’t have them no worries, you can use parchment paper instead.

kitchen gadgetsCake Decorating Tip Set & bags are a must have for anyone who loves to bake and cook.

Decorate cookies and cakes and ice cupcakes with decorating tips.  It’s easy!  I also use larger tips to pipe filling for my deviled eggs and cream cheese on open face tea sandwiches.

It makes your baked goods pretty and your tea parties fancy!

 

 

 

 

kitchen gadgetsCoffee Grinders aren’t just for grinding coffee beans.  I have a separate grinder I use to grind nuts, hard candies, and other food.

Making my pecan pies is a breeze with an electric coffee grinder.  No need to smash the pecans with a mallet, that can be messy!

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kitchen gadgetsMake perfect hard boiled eggs and other dishes when you use a Kitchen Timer.

I like this simple 60 minute timer because it’s loud.  I can hear it from anywhere in the house.  It avoids the waste of burning food!


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Savvy Nana’s Holiday Gift Guide for Toddlers

Savvy Nana’s Holiday Gift Guide for Toddlers

It’s Cyber Monday!  It’s a great time to snap up some deals and start checking off things from your holiday gift list.  If you’re lucky you might even be able to finish today without ever leaving home!

I know the biggest problem is always what to buy, specially for toddlers.  We’re bombarded with ads touting new and improved talking stuffed animal and cool power wheels. Somehow toy manufacturers have convinced us that our kids must have these things, otherwise we’d be somehow remiss and our kids will be disappointed if they don’t ride down the driveway in a battery powered Hummer on Christmas morning.

Yes, my husband and I are guilty of buying the grandkids ipads and power wheels for Christmas.  But recently I’ve been on a mission to give gifts that inspire their imagination, encourage physical activity, and unleash their creativity.  Not to mention I’m on a personal crusade to limit their video game, tablet, computer, and cell phone usage.  In short I’m determined to provide them with good old fashioned toys.  That means the toys I’m buying this year will not have batteries or chargers.  They will all be kid powered!

You might feel obligated to buy that shiny new ipad or that battery powered jeep or sports car with all the bells and whistles, but you might also want to tuck in a simple baby doll or a kid powered truck.  So here’s my Holiday Gift Guide to help you choose some toys for the toddlers in your life.

(This article has affiliate links)

Holiday gift guideMy all time favorite is a toy kitchen.  I got this Step 2 Kitchen for the twin’s birthday a couple of months ago.  They love it!

Play kitchens come in many different sizes.  They usually come complete with kitchen accessories.

Prices start at about $66.

Find your play kitchen here today! [spacer height=”20px” id=”2″]

Holiday Gift GuideI love all things Melissa & Doug.  The twins enjoy these wooden pots and pan set.  It comes with a checkered oven mitt and a wooden spatula and spoon.  The set’s available from Amazon for $22.77.  You can get free shipping with Amazon Prime too![spacer height=”20px” id=”2″]

holiday gift guideThese fruit or cookie play sets by Melissa & Doug keep the twins occupied for hours!  It’s great for developing fine motor skills and coordination.

The Slice & Bake Cookie Set is available from Amazon for $15.98.

The Cutting Fruit Set is available from Amazon for $15.26. [spacer height=”20px” id=”2″]

holiday gift guideAnother great idea are puzzles. Melissa & Doug have a great variety of wooden puzzles starting at $6.24 from Amazon. [spacer height=”20px” id=”2″]

 

holiday gift guideDolls are an absolute must have!  They bring hours of pretend play.  And don’t think dolls are just for girls.  My grandson, Sadi, loves to push the doll around in the stroller and giving the baby her bottle.

This Cabbage Patch Kids Cuddler Play n’ Travel set comes with a doll, infant seat, cradle, stroller, bottle, and pacifier.  You can order it from Amazon for $69.99.[spacer height=”20px” id=”2″]

holiday gift guideBlocks provide hours of building fun.  They really spark your child’s creativity!

Blocks range from the old school wooden ones to these foam peg blocks to Duplo and Lego.  They come in different sizes and sets.  I’m sure you’ll find a type that will suit your child’s age and ability.

I like these large lightweight peg blocks.  The handy zip bag makes storage easy.

You’ll find all kinds of foam blocks on Amazon![spacer height=”20px” id=”2″]

holiday gift guideKid powered ride on toys are another favorite.  Forget the motorized power wheels, kids love these just fine.

There are plenty to choose from on Amazon.[spacer height=”20px” id=”2″]

holiday gift guideThis Melissa & Doug Sunny Patch Happy Giddy Bowling Set provides hours of fun to my twin grandkids.  The love setting up the pins then knocking them down.

The set is available on Amazon for $12.24.  It’s Prime too so it ships for free to Prime members![spacer height=”20px” id=”2″]

 

holiday gift guidePlush Rocking Animals are cute and cuddly.  The twins love riding their elephant and horse. These critters come with sound, the horse whinnies and the elephant plays a tune.  Just press the button inside the ear.

There’s a variety of plush rocking animals on Amazon!  [spacer height=”20px” id=”2″]

holiday gift guideChannel your child’s inner Mozart with a musical instrument.

All the grandkids love this baby grand piano by Melissa & Doug.  We got one for the twins and another one for my grandson Jett.

Piano comes with a non-tip bench and color coded songbook.

You can order this piano from Amazon for $88.79.[spacer height=”20px” id=”2″]

 

holiday gift guideOr you can channel his or her Picasso with an easel, paints, markers, and other media.

There are many types of easels.  I prefer the double sided ones.  One side has a chalk board and the other a magnetic board.  Pick one out from Amazon today![spacer height=”20px” id=”2″]

holiday gift guideBooks make great stocking stuffers for kids of any age.

There are many children’s books to choose from on Amazon.[spacer height=”20px” id=”2″]

 

holiday gift guideNumber one on my gift list is this Melissa & Doug Puppet Theater.   This will definitely spark the kids’ imagination.

Of course a puppet theater isn’t complete without puppets.  There are many types to choose from on Amazon.  My grandson Devon loved his Melissa & Doug Farm Animal Puppets we got him when he was 3! [spacer height=”20px” id=”2″]

doll houseAnother thing on this year’s list is a doll house.  I just love this Melissa & Doug Victorian Doll House!

Doll houses will provide the kids with hours of role play and unleash their creativity.

This wooden doll house has hand-painted details inside and out.  You can order one from Amazon for $103.99.

Don’t forget the furniture and family that goes in the doll house.  There are many sets to choose from on Amazon![spacer height=”20px” id=”2″]

638749-red-cape-cottage-house_largeAnd speaking of houses, my daughter Jaime gave me the heads up.  She’s picking up a Little Tikes playhouse for the twins.

Playhouses keep your kids entertained for hours.  Jaime’s son Jett has one in their backyard, he loves it!

You can order this playhouse for $124.33 from Amazon.[spacer height=”20px” id=”2″]

 

628566-anchors-away-pirate-ship_largeThis Pirate Ship Water Play Table from Little Tikes is a wonderful sensory activity.

We have one for the twins and one for Jett.  They love splashing around and playing with the accessories included with the table.

http://amzn.to/2fYwCqnAmazon lists this water table for $59 with free shipping for Prime members.[spacer height=”20px” id=”2″]

 

holiday gift guideLast but not least a subscription to Little Passports will give your child months of educational fun.

Kits are available for different ages.  They come with fun activities that teach children about different countries.

There are also science kits that include experiments and activities.

You can choose the length of your subscription. A monthly kit will arrive at your home for hours of learning fun!  Choose your kit and subscribe today!

Sizzix Texture Boutique – Handy Embossing Tool

Sizzix Texture Boutique – Handy Embossing Tool

Sizzix Texture Boutique

This post contains affiliate links

One of my recent craft obsessions is creating greeting cards and party decor.  It started with the Cricut Explore Air my husband gave me last year.  Now I’ve turned a spare room into a craft room and have filled it with various machines and gadgets.  I know I’ve gone craft happy!  One of my new favorite tools is the handy dandy Sizzix Texture Boutique.

Sizzix Texture BoutiqueThe Sizzix Texture Boutique is a great addition crafting tool collection; it embosses paper, cardstock, foil, vellum, and other thin material using embossing folders up to 4 1/2″ wide.  It’s small, lightweight, cute, and best of all very affordable.  [spacer height=”20px” id=”2″]

Sizzix Texture BoutiqueYou can buy the machine for $30, it comes with 2 black plates and a mylar shim.  The plates and shim keep the embossing folder in place during the embossing process.  Embossing folders are purchased separately.  You can use Sizzix brand folders as well as other brands like Darice as long as they aren’t wider than 4 1/2″.  Believe me there are hundreds of folders available!

Sizzix Texture BoutiqueThe machine resembles a purse with a bead handle which you hold while cranking embossing folders thru the opening. It’s very simple to use; just insert material into desired embossing folder, “sandwich” the folder between the plates that are included with the Sizzix Testure Boutique, and crank it thru!  In about a minute you’ve created a beautiful piece you can add to a card or other project.

I almost didn’t buy this machine.  I was leaning more towards the Sizzix Big Kick, a bigger machine that embosses and die cuts.  But with a Micheal’s 30% off coupon the Texture Boutique came down to an irrisistible price.  I just had to have it, and now I’m glad I did!

To be honest I also have a Big Kick, and I love that one too!  But there are times it’s more convenient to use the the Texture Boutique.  There are times in the middle of a project that I feel the need to add a little something, usually an embossed piece it all it takes to make a card extra special and I reach for the little purse!  It surely does the trick!  [spacer height=”20px” id=”2″]

Sizzix Texture BoutiqueYou can experiment with different materials for different effects.  I’ve found that when I use thinner cardstock the paper “cracks” and gives it this old antique finish.[spacer height=”20px” id=”2″]

Sizzix Texture BoutiqueEmbossing vellum has a similar effect.  The paper doesn’t crack but the vellum turns white where it is embossed.[spacer height=”20px” id=”2″]

Sizzix Texture BoutiqueYou can also enhance your embossed pieces with foil, glitter, and other things.[spacer height=”20px” id=”2″]

Sizzix Texture BoutiqueAnd you can paint the embossed piece.  I embossed small sheets of water color paper and painted them with water color paints.

There really are so many things you can do with embossed pieces and so many ways to use them in your projects.  This cute little embossing machine will open up a world of possibilities![spacer height=”20px” id=”2″]

But I must add that if you’re looking for a machine that embosses and die cuts then the Big Shot would the one for you!

Sizzix Texture Boutique