Here’s Why You May Want to Consider Shopping Early This Holiday Season

2021 has been different in a lot of ways than other years. The pandemic has caused a lot of issues. Not only are we dealing with a pandemic itself but a domino effect of other issues including delayed shipping, availability of parts, labor shortages, price increases, and more.

You’ve probably seen in the news things like automotive makers not putting out as many new vehicles due to computer chip shortages. Guy I just saw that parents are having issues getting Lunchables and juice boxes. My local Giant Eagle had signs up for a while about having issues getting Lunchables in.

I’m a long time Amazon Prime member and I’ve noticed they’re really pushing shipping days and choosing delayed shipping by offering benefits if you do. Less and less items seem to have 2 day shipping available. And even when I order two day shipping sometimes it’s taking longer.

So what do Lunchables and new cars have to do with holiday shopping? Well the same issues are applying to the toy industry. Labor shortages and delayed shipping will affect the amount of products on the shelves, how soon and if they can restock, and how long it takes for you to get the toys you order online. Some of the same supply issues are also affecting the toys industry in regard to parts and materials.

For this reason I will be do my Holiday Guide Posts early this year. My suggestion, if you see the toy your child wants I would buy it early. This is the suggestion Toy Insiders is giving to make sure you get the gifts you want to give this year.

I’m not gonna lie, I already started my holiday shopping.

Sorrowfish Book Tour & Giveaway

Sorrowfish The Call of the Lorica Book 1 by Anne C. Miles Genre: Fantasy

Two Worlds. One Fate. A bard. A wizard…and a college student from Kentucky. Sara Moore is having crazy dreams. Gryphon and dragon crazy. The scary part? Waking up, with scratches and splinters. Is she losing it because of stress? Her twin sister is in a coma. One more unfinished sculpture will fully tank her grades. Goodbye bachelor’s degree, hello failure. It’s enough to make anyone sleepwalk. Choosing to defy the Conclave, Trystan risks capture and mind control to find a magical lute through a shadow network. Dane meets a sinister stranger and barely escapes with his life. Together, guided by a fae only known as Sara, they will end an ancient curse…or die trying. INDIES TODAY BEST FANTASY BOOK 2019 “A richly conceived fantasy with a grand emotional payoff.” -Kirkus Reviews **On Sale for only $1.99 Aug 1st and later!!** Goodreads * AmazonBook Trailer

Anne C. Miles, an award-winning author, was born in Chicago Heights, Illinois in 1971. She successfully avoided writing fiction for years by blogging and extensive journaling. However, one day, she logged into a writing site and scribbled. She kept going, and now cannot stop. Her book, Sorrowfish, was named Best Fantasy of 2019 by Indies Today. A chapter within the second book (not yet published) won an honorable mention from the Writers of the Future contest in 2020. Anne designs and builds websites with her husband and enjoys video games. She was confirmed in the Anglican Church (ACNA, High Anglican) in 2016. When Anne isn’t working or writing, she plays violin badly and spoils her grandchildren. She is hard at work on the next book of her series, The Call of the Lorica. Website * Facebook * Twitter * Instagram * Bookbub * Amazon * Goodreads

$25 Amazon Follow the tour HERE for special content and a giveaway! a Rafflecopter giveaway

Woot! Turns 16! Savings All Week!

I received this info from Woot! and just had to share. I know you guys love your deals as much as I do.

Woot!, the site known for delivering ridiculously good deals and seriously silly shenanigans, is celebrating a milestone – its super sweet 16th Birthday! While most people throw parties to celebrate, Woot! is taking it up a notch, inviting EVERYONE to a WEEK-LONG BIRTHDAY EXTRAVAGANZA, featuring more ways to save than ever before and sweet surprises popping up all week!  After all, the best way to celebrate 16 years of providing great deals and mischief is even MORE DEALS AND MORE FUN! 

Starting today through July 18, Wooters will rejoice in a week’s worth of birthday activities, with major moolah off top brands, plus 50% off our best shirt designs. These deals are so sweet your teeth will hurt! Okay, maybe a dentist won’t be necessary, but these deals will feature the best prices of the year across all of our categories, including home & kitchen, electronics, computers, tools & garden, sports & outdoors, original t-shirts and gourmet food! Feel free to take advantage and buy us a birthday gift while you’re at it…

If you are an Amazon Prime member, shopping Woot! has extra benefits. You can get free shipping at Woot! too. If you’re not an Amazon Prime member you can get a 30 day free trial. Take advantage of the deals and don’t pay shipping!

Price-dropping shenanigans and over-the-top fun won’t stop there! We’re only turning 16 once after all! Customers can also celebrate throughout the week with Woot! classics like:

·       Woot-Offs – Enjoy an epic 15-hour gauntlet of unannounced deals, with new products popping up every 30 minutes or less. You’ll need to be quick if you want to win some of the limited Woot-Off offers!

·       Bags O’ Crap – We love party favors and will have more than 5,000 of our famous BOCs available for the luckiest of Wooters! Plus, some of hardest partiers will get the chance to win special “Sweet 16” Bags O’ Crap by following the antics on Woot!’s forums.

·       Deal-O-Meters – Even with our ridiculously good deals, we know the power of the people and our Deal-O-Meters allows shoppers to vote for lower prices on select items – if we get enough votes, we’ll lower the price!

·       WTF (Woot!’s Totally Fun) Pricing – we’ll be listing products with limited quantities for $1 and then raising the price every 10 minutes. It’s a new birthday tradition!

Come have fun and score some ridiculously good deals to celebrate us! And when we say come, we mean stay right where you are, because all you need to join the party is access to the Woot! app or in the off chance that you STILL need convincing to join the party (don’t be a party pooper), here are a few other AMAZING treats in store for Prime members! We’ll have new Prime-exclusive deals each day and also be offering Prime members 10% off purchases on the Woot! App on Saturday, July 18. Plus, Amazon Prime members always get FREE shipping at Woot! All members need to do is log in with their Amazon account by visiting

There will be more additional surprise not included in this post. What fun is it if I spoil everything?

About Woot!

Ok, this is serious because it’s a boilerplate, so no jokes here. Starting…NOW. Woot! is the original daily deals site, founded in 2004 and snatched up by Amazon (NASDAQ: AMZN) in 2010. Originally, Woot! offered just one product per day until it sold out. Today, Woot! offers special daily deals and other limited time offers across seven categories, including computers, electronics, home and sporting goods, plus original t-shirts, on

This post does contain affiliate links. I will get a small commission from actions/sales through my links.

New Low Rates for Refinancing Student Loans

If you have student loan debt and have been thinking about refinancing, this may be a good time.

The Federal Reserve’s attempts to protect the economy during the coronavirus pandemic have pushed average rates for qualified borrowers refinancing student loans to new lows this summer.

According to an analysis of more than 17,000 student loan refinancings facilitated by the Credible marketplace over the last four years, during June:

  • Rates on 10-year fixed-rate loans averaged 4.48%, down 26% from a July 2018 peak of 6.05%
  • Rates on 5-year variable-rate loans averaged 2.95%, down 37% from a September 2018 high of 4.68%.

We estimate that a borrower repaying the average graduate school debt of $84,300 over 10 years at 6.22% interest — the average student loan interest rate for grad school loans in recent years — could save: 

  • $22,656 by refinancing into a 5-year variable-rate loan
  • $8,686 by refinancing into a 10-year fixed-rate loan

Those are huge savings! But it’s worth highlighting the phrase “qualified borrowers”. Meaning, not everyone would qualify for the lower rates. With having a son set for his first year semester of college as a freshman in the fall, I’ve been trying to get as much info as I can on the best student loans and rates.

Heart Work Book Tour & Giveaway

HeartWork: How to Open and Operate Your Own Profitable Residential Assisted Living Home by JaneNK Nwanne Genre: Health Non-Fiction

If you’ve ever wondered how to open an assisted living home or how to run an assisted Living Business, Heartwork is for you.It’s is a step-by-step guide for people who have a deep-seated passion for helping others, who are ready to make a life-changing career move to turn their passion…into profits.Jane Nk Nwanne has authored multiple books as a well-recognized expert in the assisted living industry.Like her readers, Jane shares a heart for helping others. And, like her readers, Jane believes that there is a way to merge your passion and your profession. With Heartwork , she shows you how.Stop wondering what could be. And find out how to make your dreams come true. You don’t have to be an experienced business mogul to learn how you, too, can operate a successful assisted living home.Jane aims to bring people and their passions together, into a profitable, life-giving career in the assisted living business industry. In Heartwork , Jane has developed a simple instructional guide for others who share her passion, so that they, too, can turn their passion into a lifelong, profitable and meaningful career.With the baby boomers now peaking post-retirement, the aging population is growing at a rapid rate.If you’ve been waiting for the right time to make your move into the assisted living industry, this up and coming “Silver Tsunami” makes now the perfect time to take advantage of a lucrative and rewarding career opportunity.When you settle into your new career, you’ll enjoy a life-giving profession that gives just as much as you do.If you’re tired of a career that lacks either meaning or money, Heartwork provides a life-changing catalyst that will allow you to turn your passion into profit.In an industry that desperately needs heart-led leadership, Jane provides the resources to show you the way to a passion-full, profitable career move.Learn how to open your own successful assisted Living Business where you’re able to finally, live out your dream of helping others, in a career that provides the financial support you need.Stop dreaming of a life and career that you love. Find exactly what you’ve been looking for…in Heartwork. Add to Goodreads Amazon * Website

Jane NK Nwanne is a Passionate entrepreneur mindset and Business coach, and the author of “Stir Up the Gift Within: Discover Your Extraordinary True self,” a thought-provoking motivational book that helps readers to learn the golden path to unlocking the success that resides deep inside, and change the mindset of a mundane existence. Before starting her own business in the senior care industry, she enjoyed working and caring for the elderly and disabled, a passion she developed growing up in Nigeria, where the culture is to care for elderly parents and grandparents at home. JaneNk decided to create her own Family-Setting assisted living facility out of her passion to see people thrive, her professional care giving experience and educational background in Health Systems Management. With more than 13 years of experience in the assisted living industry, she now manages multiple family-style assisted living homes, and help others aspiring owners who wants to grow their wealth by loving and serving others; lunch their own business. As a coach, Jane NK understands what it means to lack confidence, to have fear of uncertainty, fear of success, etc; because these are the challenges she experienced before building a successful business. She pushes her clients to create a winning mindset, and make though decision and choices that positively impacts their lives and business. Jane NK’s favorite aspect of the assisted living business is the opportunity to Build wealth with a business that rewards both your HEART and your WALLET. JaneNK also founded an online training academy for caregivers called Caregiver2ceo: Creating Entrepreneurial Opportunities Where Passion Fuels Prosperity. She uses this platform to help caregivers learn how to start their own assisted living facilities, and get ideas on how to turn their passion and career experience into a thriving business. Website * Facebook * Twitter * Instagram * LinkedIn * Youtube * Amazon * Goodreads

Follow the tour HERE for special content and a giveaway! a Rafflecopter giveaway