December 19, 2014

The Benefits of Refinancing

Refinancing your mortgage means you pay off the mortgage you have now and get another one. There are a lot of good reasons for refinancing a home, and getting a loan with a lower interest rate so your monthly payments are also lower is one of the best. 

The Most Common Reasons to Refinance
• Shortening the term of your mortgage. Without changing your monthly payment by much, with a lower interest rate you’ll be able to get a shorter term on your loan, which will save you a lot in interest payments.

• Switching to an adjustable-rate or fixed-rate mortgage. If you have a fixed-rate mortgage, and the interest rates drop, you are paying more for you loan that you need to. If you refinance, you can change to an adjustable-rate and get the lower rate. The opposite is also true. If you have an adjustable-rate loan and the interest rate has gone very high, you can change to a lower fixed-rate loan. A fixed-rate loan at a low interest rate is your best option because you don’t have to worry if the interest rates rise. 

• Accessing equity to get a large amount of cash for big expenses. These expenses may include college tuition, home remodeling, paying off debt or taking a vacation. The money can be spent for anything, but the homeowner should be careful about taking cash for large expenses. Home remodeling is considered good because it actually increases the value of the home. Paying off high-interest debt is a good idea if the homeowner doesn’t immediately incur more debt once they have the available credit. If they simply get into more debt, it could result in bankruptcy.

A Good Financial Move
If you can reduce your mortgage payments and shorten the term of your loan, or build equity more quickly, then refinancing is a good move. You should carefully consider your options and ask yourself how long you plan to continue living in your current home, and calculate how much you’ll save by refinancing. Remember to include any fees charged by your current mortgage lender. If you plan to move in the next few years, refinancing may not be your best option. 

Homeowners should take the time to define their financial situation and objectives. When they have a clear idea of these, they can look into refinancing as a useful tool for improving their finances.

Look Ahead to Baby with Outlook + Giveaway

Whether you are expecting your first or fourth child, you know there will be things you will need to help you make it through those early months with ease. Outlook has everything your baby needs to make those newborn months easier. New moms often need those little things the most. Things that add just a little extra peace of mind, safety or comfort are usually the ones moms love the most.

We love the Outlook Sleep Pod for new babies. This cover works on car seats, strollers and baby carriers to protect your baby from wind, rain and sun. This is a great adjustable cover that works to shade your child, give them dark for rest, or simple protect them from the elements as you go in and out of stores. While it is most often used for infant seats, it is adjustable to fit on strollers for children up to 4 years old! This is a great investment that will give you peace of mind, and your baby comfort.
Another great addition to a new mom wish list, are the Cotton Stroller Liner available on Outlook. If you like to offer a bit of extra cushion and fashionable flare to your stroller, these are perfect. Available in multiple patterns to match the hottest looks in baby gear, they are simple to change in and out. Strollers are often rather hard and uncomfortable for your toddler to sit in. These cotton stroller linens offer some extra comfort while upgrading the stroller to a more fashion friendly look. Not only do they work in strollers, they are perfect for car seats and baby carriers too!

As long as you are looking for ways to keep your baby or toddler comfortable, don't forget the Car Window Shades from Outlook. These were favorites for summer sun when our kids were younger. Nothing is more important than keeping your babies happy and safe. These shades in various sizes will fit perfectly into your car window. Not only do they offer shade for an easier ride, they offer protection from the sun’s rays. No sunburn or irritation for your babies when these are on the windows.

Outlook has all of your much needed accessories for that new baby. Not only can you give your children a safer experience, you can make it comfortable for them in the process. Invest in these and other great baby and child care accessories on Outlook.

One winner will receive an Outlook Sleep Pod, Cotton Stroller Liner and Car Window Shade Single.

Giveaway ends December 30th at 11:59pm, open to US residents, ages 18+. Only one entrant per household, per address. Winner is subject to eligibility verification. Enter using the giveaway form below. Good luck! a Rafflecopter giveaway Disclaimer: The participating bloggers may have been compensated for this post. No purchase is necessary to enter. One entrant per household, per address. Void where prohibited by law. Winner(s) will be contacted by email and have 48 hours to respond before a new winner is chosen. The sponsor(s) will be responsible for product shipment to winner(s) of this sweepstakes. This event is in no way administered, sponsored, or endorsed by, or associated with, Facebook and/or Twitter, Google, Pinterest. Contact if you have any additional questions or comments.

December 18, 2014

Mama Wants a Camera (be)FOR(e) Christmas - Shop Best Buy

This year for Christmas the big item this mom is asking for is a new camera. Ok, really any camera as most of my photos are currently being taken with my phone. I'm not too picky but I really want something that takes good photos and is small enough to take with me everywhere I go. It will be a bonus if it is sturdy enough to withstand life in my house full of children.

Because this is my wish list I will be sending my husband to the Best Buy Holiday Gift Center. I know they have a good selection of cameras and camcorders including top brands like Nikon, Sony and Samsung. Here are a few of the ones I'm hinting to the husband.

Nikon D5300 DSLR with 18-55mm VR Lens
  • Built-in Wi-Fi s
  • AF-S DX NIKKOR 18-55mm f/3.5-5.6G VR II lens

Sony α6000 Mirrorless Interchangeable Lens Camera
  • A compact system camera with the World’s Fastest Autofocus
  • 24.3-megapixel, Exmor APS-C CMOS sensor
  • Built-in Wi-Fi

Samsung Galaxy Camera 2
  • Shoot, share, and use Android Apps
  • 16.3-megapixel, 1/2.3" BSI CMOS sensor
  • 4.8" touch screen simplifies operation
  • Built-in Wi-Fi
Which one will you choose?

December 15, 2014

Have a Leak Free Holiday with Luvs

There is nothing worse then being super busy and having to stop to deal with a diaper mess. It's icky, inconvenient, and time consuming. Yesterday, for example, we were headed to church. I had all the kids ready to go and just needed to do some finishing touches on my hair while they put their coats on and all of a sudden D runs up to me and says, "Mom, come quick! There is poop EVERYWHERE!" and sure enough, F had a major blow out going on. It as down her leg, all over her dress, on the bed where she had been sitting, and on the floor (EWWW!). I thought about taking a picture for ya'll but decided I'd spare you the image. Needless to say, it took a good 20 minutes to get everything cleaned up, F showered and in a clean dress, and out the door and we were late to church.

Please tell me I'm not the only mom to have days like this? With three kids in diapers I'm sure I have them more then most but it happens to everyone. That's why this year I am heading into the holidays with Luvs Leak Protection on my kids butts. Luvs is now offering Luvs with NightLock  with it's highest absorbency ever!

Today I am excited to be able to help other families experience a Luvs Leak Free Holiday.

The first way we can help is simply by viewing this video. For every view this video receives now through Christmas Luvs will be donating one diaper to a child in need through the Children's Miracle Network.

The second way is that Luvs is going to be giving one Kerrific reader a prize pack to get them all set up for the holidays. To enter, simply use the form below. Good luck!

This review and giveaway was made possible by Double Duty Divas and Luvs. 
I was compensated for my participation in this campaign, but all opinions are 100% mine.

November 29, 2014

Saving With Capital One 360 for the Holidays

With the holiday season fast approaching there is much to think about. As parents we must decide what to buy, where to buy, when to buy, and how much we can spend. It can be very easy to let our finances get away from us as we strive to give the very best to our children. For many of us it takes a lot of self-control and careful consideration to make sure that our finances make it through the holidays intact.

This year, I am excited to announce that Capital One 360 is here to help you meet your holiday financial commitments with financial peace of mind. There are deals on almost every Capital One product including:
  • ShareBuilder – up to $1250 bonus*
  • Home Loans - $1250 off closing costs*
  • 360 Checking - $100 bonus*
  • 360 Savings - $100 bonus*
  • Refer a Friend - $40 bonus per successful referral*
*visit Capital One 360’s Black Friday Sale page for all the details

At our house, starting our holiday season with smart financial decisions is only the first half of the battle. There are so many things that we do all year long to help our family make it through the holidays successfully. The biggest and probably the easiest of the things we do to save is simply to pay our bills on time.

By making sure we pay our bills on time, we save hundreds in late fees. Having previously seen the results of having multiple late fees I can honestly say that making the change to pay things on time has been one of the biggest blessings to our family. Instead of wondering which bills we will pay this month we pay them first and worry about what extras we will get after that is done.

 It’s wonderful to know that the gift giving we do during the holidays is done responsibly thanks to smart money decisions during the year and smart shopping during the holiday season. What are your favorite, or most successful, financial tips for the holidays? I’d love to hear about how you make things work during this challenging time of year!

I was selected for this opportunity as a member of Clever Girls 
and the content and opinions expressed here are all my own.

November 26, 2014

Holiday Gifts for Hubby with Cogito Watch

This is a sponsored program with Mums the Word Blogger Network and Cogito. All opinions are my own.

It's hard to admit but one of the hardest people that I buy for each Christmas is my husband. Part of this is because he has a bad habit of going out and buying things he wants or needs because he can. (Yes, if you do this, it's frustrating for the rest of us). Thanks to this habit I have to be extra creative when I go shopping and think of things he doesn't yet know he needs.

This year, I am excited that both of us will be getting COGITO watches. The COGITO Classic is a stylish connected watch from ConnecteDevice. This amazing tool brings together the power of a connected watch with the sophistication of a precision-crafted timepiece, merging classic analog movement with a lucid digital display. With the help of your new watch you’ll know what’s happening on your phone even when it’s tucked away!

How does it work? With the use of the Free ConnectedWatch App, you'll be able these essential notifications at a glance:

  • Incoming and missed call alerts (See Caller ID or phone number on the digital display), 
  • Email alerts, 
  • 3rd Party messenger app alerts (Viber, WhatsApp, Skype, etc.)
  • Calendar Reminders 
  • Device Low Battery Alerts. 
  • You can also use COGITO as a remote control to skip, pause and play music, and trigger your device camera at the push of a button. 

So what makes COGITO extra special? You also don’t have to charge your watch battery every day! The COGITO comes with a button-cell battery that lasts for up to a year! And as a bonus for my hard working husband it has up to 10ATM water resistance! WAHOO!

So how are we getting two of these amazing watches? Now through November 30, 2014 you can get $50 off your COGITO watch with code BLOG50. Make sure you add this deal to your list for Friday and then let me know how much you love your new toy tool.

Compatible with iPhone 4S up, iPad 3rd & 4th Generation, iPad Mini Running iOS 8 
and Android 4.3 upwards on Samsung S3, S4, S4 Mini S4 Active, Note 2 & 3 & HTC One

November 20, 2014

Perfect Holiday Gifts for the Whole Family at Best Buy!

One of our favorite things to do during the holiday season is to watch movies as a family. Since it's often to cold to take my little ones outside this is a great way for us to spend the evenings together. We love watching the holiday specials and revisiting some of our favorite kids movies. Because this is a great family tradition and we'd love to make it even better with LG's new OLED technology TV.

What is OLED TV? 

The stunning design of LG OLED TV is only 0.21" thick at its thinnest point. Picture quality is spectacular, with Infinite Contrast that ranges from the most blazing whites to the deepest blacks. And, LG's exclusive 4 Color Pixel technology delivers bright, vibrant colors. Learn more here: Your first kiss. A baby's first steps. The majesty of a desert sunset. Some things in life defy all explanation and must be experienced to be believed. Such is the case with LG's latest display technology. With deeper and richer colors, stunning contrast and ingeniously curved screens, it is unlike any technology you've ever seen, and it delivers a picture that exceeds your wildest imagination.

  • LG 55EC9300 SKU# 7846019 – OLED TV 
  • Infinite contrast ratio and stunning color - delivers more natural, lifelike viewing. 
  • 4 Color Pixel technology enhances color range and accuracy. 
  • Super thin design (consider how to show visually) 
  • Find content faster with webOS
  • Best Buy's everyday low price is $3499.99

The reviewer has been compensated in the form of a Best Buy Gift Card 
and/or received the product/service at a reduced price or for free

November 13, 2014

Bringing Home Baby & The Diaper - What You Should Know + Giveaway

There is nothing sweeter than a brand new bundle of joy! I've been lucky enough to bring home five little ones during the last six years and each has brought me a new piece of joy.

When I remember back to bringing home my first baby I was fairly confident. As the oldest of six kids I was lucky to have experience with baby things like changing diapers, baths, and laundry. There were some things however that I wasn't quite ready for like the sleepless nights and the crazy feeling of my body changing drastically and quickly. Thankfully, I was able to have some great friends and family who helped me adjust. Today I am excited to share one of these old friends and their new tool to help you be the best parent possible to your newborn.

Today I am excited to share the our good friend Pampers (yes, the diaper people) have developed some great new tools for new moms to help them adjust to normal during those first few weeks. These include a Pampers Stool Color Cards and Diaper Rash Info that will be distributed at hospitals nationwide to ensure that every mom can bring her baby home with confidence.

The best news is that Pampers isn't going to stop there. They also have a Mommy Memory Match Sweepstakes going on HERE where you can win amazing prizes including six months of diapers and wipes for your little one (running through 1/31/15).

Can't wait until January? Then here's even better news! Pampers has agreed to partner with Kerrific to give one reader a $100 diaper starter set including:

Pampers Wipes 
Pampers Newborn or Size 1 Diapers 
Diaper Genie 
Diaper Genie Refills 
Portable Diaper Caddy

To enter simply use the form below. Congrats on the little one and good luck!

This review was made possible by Double Duty Divas and Pampers. 
I was provided product free of charge to facilitate my review, but all opinions are 100% mine.