Choosing a credit card from the hundreds of different products available can be tough enough, but fending off credit card companies when they start offering you extra products like insurance can leave you without a clue what to do for the best.

Should you get insurance when you take out a credit card? If so, should you take out a policy at the same time as get your credit card or should you look elsewhere for credit card insurance? Before deciding whether you need it or not, it can be useful to know about the different types of insurance for credit cards that are available to you.

Card protection insurance

Card protection insurance is a policy that simply covers you in case your credit card gets lost or is stolen and you suffer a financial loss as a victim of credit card fraud. You might find such a policy useful, but you might not need it at all. According to the consumer group Which?, there are rules in place stating that banks must reimburse victims of credit card fraud and identity theft.

Payment protection insurance

The second type of insurance you can get when you have a credit card is payment protection insurance, a type of cover you might have heard a lot about recently. Payment protection insurance, or PPI, is a policy that covers your repayments on your credit card if you fall ill, become injured or can’t work and earn money for some reason. There are exemptions to these policies (i.e. you aren’t covered if you get sacked from your job), but if you are worried about falling behind with your payments if the worst should happen, PPI can be a useful policy to have. PPI has been in the news a lot recently due to widespread mis-selling, where customers were sold it when applying for loans and credit cards without knowing they were being sold it. As long as you want PPI and are told all about the terms and conditions of the policy, you won’t be a victim of PPI mis-selling and you could actually end up with a very useful type of insurance cover.

When and where to buy credit card insurance

When deciding whether or not to take out the insurance offered at the same time you apply for credit card or other financial products, there is one simple thing to ask yourself – is it the best deal? It may be more convenient to get two products at once, but there is a good chance you could get your credit card insurance cheaper if you shop around a bit.

Summer months are coming, which means swimming, traveling, camp and more. Often times your kids are gone away without you around, and need to keep track of their own things, Kidecals can help with that. Kidecals are the most durable waterproof labels on the market.

Kidecals offer personalized kids name labels that can be placed on virtually anything. From water bottles, to clothing…Books, toys and more. Not only are they waterproof, but they are also durable able to be put in the dishwasher, washing machine and they’re dryer safe. Plus they don’t damage the surface they’re stuck on.

Kidecals also offer crazy and fun things such as fun mustache stickers and chalkboard stickers that can be used to label things, and you can write on them and erase them again and again with the chalkboard labels. Which also come in many designs and are just as durable as all of the other labels.

Kidecals were also featured on the Today Show. Check out their infomercial below:

Right now, my readers can save 15% off Kidecals the most durable waterproof labels on the market. Just use promo code: bestlabels at http://kidecals.com/.

You have all read my struggles, past present and heck I’ll admit, even future with my weight. Honestly I’m getting quite sick of it! I eat healthy, I workout, yet I’m stuck in a rut and the weight doesn’t seem to go anywhere. So I’ll try whatever comes my way to see if it helps. That includes being included in a 90 day challenge sponsored by Creative Bioscience.

Having a choice in choosing what I’d like to try, I decided on trying the Raspberry Ketone 1234, hoping that it will HELP me loose some pounds. I know I cant rely on a pill alone, I still have to do the hardest work, but what I’m hoping is that it will help my body out somewhat in getting me kick started.
Waiting on my shipment as we speak, and I’m kind of excited about it. I’ll be taking the Raspberry Ketone for 90 days, and keeping you updated on my challenge along the way.

Scientists and nutritionists believe that Raspberry Ketones help regulate the fat-moderating hormone adiponectin. In turn, adiponectin programs your body to act like it’s thin. Our Raspberry Ketone 1234 supplements are designed not only to promote fat oxidation (burning), but help sugars and fats pass through your system without being absorbed and stored as they normally would. Does this mean you can feast freely on fatty foods as long as you take Raspberry Ketones for weight loss? No. There is no substitute for common sense and a regular program of healthy activity and proper nutrition, but Raspberry Ketones are clinically supported to promote healthy body metabolism to help you achieve your goal weight.

Here’s hoping it helps out, have you ever tried Raspberry Ketones for weight loss? Interested in maybe trying it or one of the other products from Creative Bioscience? If you’re a blogger you can join in on the challenge as well, just visit http://www.creativebioscience.com/90-day-weight-loss-challenge.html.

Relaxi Taxi Spa-Tini

Ingredients:
• 1.5 oz. SMIRNOFF Sorbet Light Lemon
• 1.5 oz. Club soda
• .05 oz. Lemon juice
• 0.5 oz. Agave nectar
• Garnish: 10 slices cucumber

Directions:
Muddle cucumber slices in the bottom of a mixing glass with SMIRNOFF Sorbet Light Lemon, lemon juice and agave nectar. Strain into a chilled martini glass and top with club soda.

Leading Lady

Ingredients:
• 1.5 oz. SMIRNOFF Sorbet Light Raspberry Pomegranate
• 2 oz. Diet ginger ale
• 1 oz. Cranberry juice
• Garnish: Lime wheel and/or raspberry

Directions:
Build in a highball glass over ice, squeeze in lime and stir. Garnish with lime wheel and/or raspberry.

Iced Mamacita

Ingredients:
• 2 oz. SMIRNOFF Iced Cake Flavored Vodka
• 2 oz. Lemonade
• 0.5 oz. Amaretto liqueur
• Garnish: 1 twist lemon, 3 piece(s) strawberries

Directions:
Muddle strawberries and SMIRNOFF Iced Cake Flavored Vodka in a shaker. Add other ingredients. Shake well with ice and strain into a martini glass. Garnish with a strawberry and a lemon twist.

Mudbuddy is the new iPAD book for kids that brings attention to the ground beneath our feet, and introduces them to backyard environmentalism. Kids love to learn things, like what is the purpose of bugs, dirt and worms. Mudbuddy will help them learn about and answer those questions.

Mudbuddy is a new interactive storybook app for the iPad (available on iTunes) for families and kids who want to learn more about the organic world around them, as well as teach children about how they can make a positive impact on nature and our environment.

The first of the series, Mudbuddy allows children to learn through simple stories, humor, and touch-screen interaction, readers can help Mudbuddy, the very adorable and slightly confused glob-of-mud-main-character, and his friends learn more about each other and their special abilities. Readers can manipulate the screens, drag and click, open up new scenes and bring the characters to life!

Hailing from Lightborne Studios, a world-class production house and design factory in Cincinnati, Ohio, Mudbuddy author, Ben Nicholson, and illustrator, Kurt Koch, have created a new children’s book app which parents are sure to love and is sure to even have reluctant outdoor enthusiasts – and their parents – running outdoors to find their very own Mudbuddy and hopefully plant some seeds of their own.

“It can be socially disconnecting to use a wireless device. I’m guilty myself. But tablets such as iPads are interactive tools and should be used for engagement, and not just for escape,” says Nicholson. “We hope the Mudbuddy app encourages parents, together with their children, investigate and interact with the world around them—and make a positive impact too.”

It’s an app that reads like a book. With charming illustrations accenting the story’s vibrant and often hilarious verse, Mudbuddy takes children of all ages to a never-seen underground world of environmental adventure where rocks talk and mud morphs. Clever situations and colorful imagery bring this new app book to life with wit and adventure. Written in language that is fun and silly, parents, caregivers and teachers can have fun reading this book to children, or they can have the built-in narrator read the pages aloud.  There are laugh-out-loud sound effects and images too.

Mudbuddy also includes the following themes:
• The size of the globe, versus a state, city and neighborhood
• The endless activities that occur under our feet
• What is the purpose of dirt?
• Ways to understand what is silly and why
• Discovering how fun the outdoors can be
• Uncovering your own special abilities or purpose

The story lends itself to discussion and engaging your imagination! How would you feel if you were Mudbuddy? What purpose would you like to have, that of the seeds, the water, the mud, etc? What colors are your favorites? Why? Does your belly grumble like Mudbuddy’s when you eat too much or too little? Did you know that grubs, worms, bones and moles were under the very ground you walk on? What else is under there?

“Backyard Environmentalism means that we can teach our kids about nature by giving them an appreciation of the things right outside their door,” adds Nicholson. “We can’t begin to change the world unless we start at home. Mudbuddy is a vehicle for this message.”

Mudbuddy is available on iTunes and available here for $1.99: https://itunes.apple.com/app/mudbuddy/id640794022?mt=8