Saturday, October 6, 2012

Review: Field Station Dinosaurs -

My son  is two years old is absolutely in love with dinosaurs, this came from watching Toy Story a gazillion times and watching ....

During our summer staycation, we decided to visit the local parks. Amusement parks, arcades and we visited the Dinosaur park in Seacucus,NJ.


While my kids loved the park, I was not a fan. This gets Thumbs down from me.

Lets start with positive attributes.
1. My kids loved it.
2. The size of dinosaurs is pretty impressive.

Now the negatives:
1. Pricey: 75 for a family of four is a lot of money. ( 2 adults/1 child,my son was free).
2. Tickets are cheaper online, but you cannot purchase the day off.
3. Parking. It's a dirt site. My car when in clean and came out dirty for $8.00

Next summer I would rather get a rental and take the kids to the Great Adventures Safari.

I did manage to take some decent pictures, which are posted here.






Resources to financial wealthness


You May Be Paying Too Much for Your Mortgage
Tips to help consumers get the best mortgage product for which they qualify


Tools of the Trade: A Basic Guide to Financial Derivatives 
Insight into when and how derivatives can be valuable tools for managing financial risk

Phishing and Pharming: Helping Consumers Avoid Internet Fraud 
Information about the increasingly prevalent and sophisticated fraudulent access to personal information over the Internet


Pathways to Getting Ahead
Information for young adults about the importance of asset building in their personal lives and about how larger policy decisions impact the choices they make

The Consumer Financial Emergency Survival Kit 
Basic helpful guidance and resources on a broad range of consumer financial topics
updated in May 2012

Identity Theft 
What identity theft is, how it happens, how to protect yourself, and what steps to take if your identity is stolen (companion video, Identity Theft: Protect Yourself )


Know Before You Go... To Choose or Use a Credit Card: A Guide to Credit Cards and a Glossary of Terms 

Know Before You Go... To Get a Mortgage: A Guide to Mortgage Products and a Glossary of Lending Terms 

Mail-in-Rebates

3M FILTRETE $5 MIR wyb AIR FILTER W/1500+ MPR x12/31/12
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3M FILTRETE $6 MIR wyb (2) HIGH PERFORMANCE AIR FILTER W/1500+ MPR x12/31/12
Buy two 3M Filtrete high performance air filters with a 1500+MPR and submit rebate form, proof of purchase and register receipt.  One rebate per household.  Purchase must be made between 5/1/12 and 12/31/12 and rebate request must be received by 1/31/13.

3M FILTRETE $5 MIR wyb Filtrete Water Station x12/31/12
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FREE REUSABLE LUNCHSACK FROM ANNIE'S HOMEGROWN x10/31/12
You can get a FREE reusable lunch sack when you buy ANY TWO of the following items: Annie's Homegrown Products, Stonyfield YoKids Organic Yogurt 6 pks or Squeezers, Honest Kids Organic Drinks 8 pk Carton or 64 oz Bottle or Seventh Generation Disinfectants (sprays or wipes). Just go HERE to print the form or find out more information. Products must be purchased between 8/1/12 & 10/31/12 and you will need to mail in your proof of purchases and you should allow 8 to 10 weeks to receive your lunch sack.

BISSELL $20 MIR wyb SPOT BOT OR SPOT BOT PET x10/15/12
Get a $20 MIR wyb Bissell Spot Bot or Spot Bot Pet between 8/29/11 and 10/15/12.  Mail in rebate form, UPC code and original receipt by 11/14/12.  One entry per household, allow 6-8 weeks for delivery.

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Get a $10 MIR in the form of a prepaid card wyb Crest 3D White Intensive Professional Effects 7 ct, Professional Effects 20 ct or 2 Hour Express 4 ct Whitestrips between 7/29/12 and 9/29/12. Submit form, original UPC and original sales receipt with the store name and purchase price circled by 10/31/12. Limit of one rebate per name, envelope or address. Allow 6-8 weeks to receive rebate.

JOHNSON & JOHNSON MIR for $90 in COUPONS wyb $50 SELECT J&J PRODUCTS x9/30/12
Get $90 in coupons wyb $50 worth of select J&J products (ETS) between 7/29/12 and 9/30/12. Products included are: Ambi, Aveeno, Band-aid, Bengay, Carefree, Clean & Clear, Cortaid, Desitin, J&J, Johnson's, K-Y, Lactaid, Listerine,  Lubriderm, Neosporin, Neutrogena, o.b., One Touch, Reach, RoC, Rogaine, Splenda, Stayfree, Viactic, & Visine.

JUST FOR MEN TRY ME FREE REBATE x12/31/12
MIR for purchase price of Just for Men Haircolor or Gel up to $9.50 HERE x12/31/12
You will need to mail your original register receipt dated before 12/31/12, proof of purchase, and rebate form HERE.  There is a limit of one rebate per household. You will need to reach $50 BEFORE coupons and tax, and purchases can be on multiple receipts. You can use coupons on your purchases as long as your total amount of original purchase prices circled on your receipts totals $50 before coupons. Your original cash receipts and the completed form must be received by October 31, 2012. Only 1 offer per household and street address and only while supplies last. Qualifying products are: Aveeno, Band-aid, Bengay, Carefree, Clean & Clear, Cortaid, Desitin, Johnson's, J&J Red Cross, K-Y, Lactaid, Listerine, Lubriderm, Neutrogena, Neosporin, o.b., One Touch, Reach, Rembrandt, ROC, ROgaine, Splenda, Stayfree, Viactiv, and Visine.

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$20 MIR wyb SELECT ORAL B TOOTHBRUSHES x10/30/12
Get a $20 rebate in the form of a prepaid card wyb Oral-B Professional 1000, 1500, 3000, 4000, 5000, Sam's Club Professional Care Series Dual Handle Pack or Pulsonic Electronic Toothbrush (excludes Costco Professional Care Advantage Dual Handle Pack, Professional Care 8850, Vitality Pro-Health, Cross Action Power, Complete Action, 3D White Action, Refill Heads and ETS). Mail form with original UPC bar code and receipt dated between 7/1/12 and 9/30/12 with store name and purchase price circled. Request must be postmarked by 10/30 and there is a limit of one rebate per name, envelope or address.

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Get a FREE Pringles can speaker (while supplies last) when you buy 4 Super Stack cans between May 15, 2012 and October 31, 2012.  You will just need to mail in your receipts by November 30th along with the rebate form which you can print HERE.  The speaker actually fits on top of a Pringles can and you should allow 10-12 weeks for delivery.


Thanks to TotallyTarget

Westchester County Apple Orchard

Westchester County

Here are New York State Apple Growers who sell directly to the public in or around Westchester County:

Harvest Moon Farm & Orchard
134 Hardscrabble Rd.
North Salem NY, 10560
    Apple Grower
    U Pick
    Farm Market
    Cider
    Special Events


Stuart's Century Farm
62 Granite Springs Road
Granite Springs NY, 10527
    Apple Grower
    U Pick
    Roadside Stand
    Farm Market


Wilkens Fruit Farm
1335 White Hill Rd.
Yorktown Heights NY, 10598
    Apple Grower
    U Pick
    Roadside Stand
    Farm Market
    Cider
    Gift Boxes

Orange County


Apple Ridge Orchards
101 Jessup Rd.
Warwick NY, 10990
    Apple Grower
    U Pick
    Roadside Stand
    Special Events


Applewood Orchards LLC
82 Four Corners Rd.
Warwick NY, 10990
    Apple Grower
    U Pick
    Farm Market


Jones Farm Inc
190 Angola Rd
Cornwall NY, 12518-1110
Web Site: jonesfarminc.com
    Apple Grower
    Roadside Stand
    Farm Market


Lawrence Farms Orchards Inc
39 Colandrea Rd
Newburgh NY, 12550
    Apple Grower
    U Pick


Masker Fruit Farms Inc
45 Ball Rd
Warwick NY, 10990
Web Site: www.maskers.com
    Apple Grower
    U Pick
    Farm Market


Ochs Orchard
4 Ochs Lane
Warwick NY, 10990
    Apple Grower
    U Pick
    Roadside Stand
    Farm Market
    Cider
    Gift Boxes


Pennings Farm Market Inc.
161 State Route 94 S
Warwick NY, 10990
    Apple Grower
    U Pick
    Roadside Stand
    Farm Market
    Cider
    Gift Boxes


Pennings Orchard
169 State Rt 94 South
Warwick NY, 10990
    Apple Grower
    U Pick
    Roadside Stand


Roe's Orchards
3278 Route 94
Chester NY, 10918
    Apple Grower
    Roadside Stand
    Farm Market
    Cider


Slate Hill Orchard
Rt 6 Box 297
Slate Hill NY, 10973
    Apple Grower
    U Pick
    Farm Market
    Cider


Sleepy Hills Orchard
1328 Rt. 284
Johnson NY, 10933
    Apple Grower
    U Pick
    Farm Market


Soons Orchards Inc
23 Soons Circle
New Hampton NY, 10958
    Apple Grower
    U Pick
    Roadside Stand
    Farm Market
    Cider
    Gift Boxes
    Special Events


Warwick Valley Winery
114 Little York Road
Warwick NY, 10990
Web Site: www.wvwinery.com
    Apple Grower
    U Pick
    Farm Market
    Special Events

Putnam County


Salingers Orchards
230 Guinea Rd
Brewster NY, 10509
    Apple Grower
    Farm Market
    Cider
    Gift Boxes

Rockland County


Dr. Davies Farm
306 Route 304
Congers NY, 10920
    Apple Grower
    U Pick
    Roadside Stand
    Cider


The Orchards of Concklin
2 South Mountain Rd
Pomona NY, 10970
    Apple Grower
    U Pick
    Cider

Haunted Houses in New York

Haunted Houses in New York

The ghosts at the haunted houses in New York definitely have an Empire State of Mind. They love to expand to new areas and are always looking to live it up. So when throngs of people invade their privacy during October, they get pretty angry. If you love to be scared, you should take advantage of that fact by visiting the New York haunted houses.
New York City
In the shadow of New York City, millions of immigrants departed boats having journeyed thousands of miles for a new life in America. Those that failed in their new land have taken residence at a few key haunted houses around the city.
Long Island
The most populated island in the United States has a population of seven million according to the 2010 census. With such a large number of people, is it any wonder that Long Island has a number of haunted houses?
Buffalo
There are so many ghosts related to the Buffalo Bills legendary defeat in four Super Bowls in a row that we wouldn't even know where to begin here. We're surprised that there aren't more Buffalo haunted houses.
Rochester
The haunted houses around Rochester are filled with spirits upset that their aura has been captured by film. Now that we've reached the digital age, I'm guessing they are upset about their low number of youtube views.
Syracuse
The ghosts around Syracuse are pretty salty old dogs. Might have something to do with the fact that the majority of salt used in the United States prior to 1900 came from Syracuse.
Creepy Camp
Cayo Industrial Horror Realm, Utica NY
Screamers Hollow, Sterling NY
Blood Creek Manor, Sandy Creek NY
CMC Haunted House, Cicero NY
The Last Ride, Hastings NY
The Trail of Terror, Fulton NY
Demon Acres, Hannibal NY
Swamp Road of Terror, Central Square NY
Screamwood Forest, Pennellville NY
The Mall Monster Maze
Town of Throop Haunted Walking Trail
Elmira
Once home to a prisoner of war camp called by its inmates Hellmira during the Civil War, it's no wonder that there are some haunted houses in the Elmira area.
Albany
You knew that there were going to be a couple haunted houses in the vicinity of the capital of New York and home to the New York state legislature.
Poughkeepsie
Among the hills and the Hudson River, you'll find a number of scary creatures that have wandered north from the city and now call Poughkeepsie home during October.
Other Attractions
There's lots of haunted houses in New York. So you probably don't need to leave the state to find a good one. But if you did, you would visit one of these five options:

Source:

FREE Creme of Nature Oil Treatment sample

 
Fill out the form to request a FREE Creme of Nature Oil Treatment sample.

  


shopkick

Found a fun shopping app called shopkick! It gives you rewards and insider deals at Target, Best Buy, & many other stores. I left you 50 kicks on shopkick - use them for rewards or donate to causes.
P.S. Here's where to get it: http://get.shopkick.com/fairfield5153


8 Health Insurance Tips to Maximize Benefits for the Expectant and New Mom


8 Health Insurance Tips to Maximize Benefits for the Expectant and New Mom
By Amy Keohane, co-founder OffYourDesk.net


1. Coverage for your hospital stay. If your obstetrician is out-of-network, it’s your responsibility to pre-authorize your hospital stay before you check in. You can find the pre-authorization telephone number on your health insurance identification card, and you should call in the weeks prior to your expected delivery. If your obstetrician is in network, it’s his or her responsibility to make sure you’re pre-authorized.

2. Make sure to review the pre-admission packet that you’ll receive from the hospital or birthing center in the weeks before your expected delivery date. If necessary, contact your carrier to verify your coverage and benefits so you understand what your out-of-pocket expenses will be, if any.

3. Whether you’re utilizing an in-network or an out-of-network hospital or birthing facility, you should contact them prior to your anticipated delivery date and request an anesthesiologist (if necessary) that is in your network. 

The services of an-out-of network anesthesiologist could result in significant out-of-pocket expenses, and you can’t assume your anesthesiologist will be in your network, even if you’re at an in-network facility.

4. Enrolling your baby in your plan. Many group health insurance plans (coordinated through employer) require that you enroll your baby in your health plan within 30 days of birth. Don’t wait until “things calm down” – make this call when you get home from the hospital. If your health insurance doesn't have your baby enrolled, your baby's medical claims will be denied. It is also extremely important that you notify your employer groupwhen your baby has arrived. Contact your employer’s Human Resource Department or your Benefits Administrator.

5. We recommend that you research and understand your plan’s coverage for your baby in the months before your expected delivery – knowing the details ahead of time will make the process easier once the baby has arrived. Consult the list of local pediatricians that are a part of the plan’s network so you can find a pediatrician that you like and trust. Check your plan to understand the types of services that your plan covers for babies and children. Does your plan cover immunizations? Well-baby visits? If yes, how many (not all insurance plans cover well-baby visits in the first 30 days)? How much are copayments and what is your deductible?
6. To avoid waiting on hold when you need to call your insurance carrier, Do NOT call between 10am – 2pm!  Best time to reach a live operator at most carriers is at 8am ET (except for Cigna – they have 24/7 live operators so you can also call them at night and there tends not to be a wait).
7. Be sure your provider gives you an itemized bill (ie, “ten allergy shots” vs. “allergy shots”) so you can confirm you’ve been reimbursed properly.
8. If you’re planning a summer vacation, check with your carrier to see if there are in-network doctors and/or hospitals near your destination – it can save you a lot of money if something were to happen.


OffYourDesk relieves busy people of the burden of managing health insurance paperwork and maximizes reimbursements of their cla
ims. Our experienced specialists fight so you don’t have to, and they ensure you get back every penny that you deserve from your carriers. Most people have no idea if they’re being properly reimbursed and there’s a lot of money at stake. You’d never think twice about having an accountant handle your taxes; why not let the nation’s leader in comprehensive health insurance claims management help. Check out offyourdesk.net and follow us on Facebook (www.facebook.com/offyourdesk) and Twitter (offyourdesk).