What To Look For In An Auto Insurance Policy

When it comes to picking car insurance, most consumers buy a policy without much research; they don't stop to think how their insurance policy can affect their financial future. All insurance companies have different rates, and their policies give you different amounts of coverage. A policy that works great for your friends and neighbors might not offer you the protection you need. When picking a policy, it's essential to shop and compare until you find coverage that suits your lifestyle and finances.

If you buy a policy that doesn't cover your assets properly, you might end up in financial trouble. Before buying insurance in Columbia SC, make sure that your policy comes with more than liability coverage. Ask your agent if you are a good candidate for extra coverage:


When you buy a policy that offers collision coverage, you get reimbursed for repairs by the insurance company regardless of who caused the accident. When you buy one of these policies, you only have to pay the deductible. If you have an expensive new car, this type of coverage can save you a ton of money.


Comprehensive coverage covers your car when it is damaged in a non-crash incident; fire, vandalism and acts of nature are all covered under a comprehensive policy. Since comprehensive policies come with a deductible, it's not wise to buy them unless your car is worth more than the cost of the deductible.

Uninsured Protection

Uninsured protection helps cover your car when you get into an accident with someone who doesn't have coverage. This saves you money by reimbursing you for the cost of the accident; if you didn't have this coverage, all the expenses would come out of your pocket. These policies don't usually have a deductible, but they only cover a set amount.

Personal Injury

After a bad accident, you might end up losing money on medical bills and lost wages. When you have a policy that includes personal injury, you get reimbursed for your expenses when someone else hits you. Medical bills are expensive, and it's always nice to know that you aren't going to have to pay for them.

If you get the right insurance policy, you end up saving a lot of money. When you look for a policy, talk to your agent; make sure that it has all the extras you need. If you get the right policy, you'll save considerable money on the expenses that come along with an accident.

Making Accommodations For the New Puppy

As I'm sure you can all tell, me and my family are animal lovers. With so much going on, I had forgotten to write about our new pup. We got this adorable Jack Russell puppy last fall when our 14 year old Jack Russell got sick (luckily, he's okay now). This little guy has little saddlebags, so his name is Harley. 

Adding a new puppy to your life can be an exciting experience. It also means that you are now responsible for the training and the care of your puppy. Puppies need love, attention and much more In return they give love, entertainment and companionship. 

To make it a little easier on yourself as the caregiver for your new puppy, you can get assistance from a site such as ModernPuppies.com. It is very helpful to find a source that has pet accessories such as collars, leashes, beds and carriers. However, it is the Potty Training Puppy Apartment that can be the most helpful investment you can make. This system eliminates those middle of the night potty trips outside and those necessary trips outdoors on cold or rainy days. 

Puppies are full of energy and need a place to play. A puppy playpen provides a safe enclosed area for your puppy to run and play indoors. Puppies are likely to chew on furniture or electrical cords when left unattended. A playpen is a safe alternative for your pet.

Playpens and carriers offer an element of safety for your pet. Finding a potty training method that does not require you to take the puppy outdoors can actually be considered a safety feature for you. Eliminating the need to venture out at night with the puppy can give you some peace of mind. The puppy apartment can make potty training a less stressful experience for you and your puppy.

Hydrating CC Cream: Perfect for a Spring Day

Disclosure: I received a sample to review. All opinions are my own. Powered by BrandBacker.

I have really jumped on the BB and CC bandwagon. One of the things I've learned is that every brand is different. I have several different brands and wear them depending on the day and the skin issue I am attending that day.

Thanks to Studio Gear's Hydrating CC Cream, I have found the perfect spring day makeup. 

On spring days, I want a lighter weight makeup, but one that still has a decent amount of coverage because I don't have the tan yet to make my darker spots blend in. The Studio Gear CC Cream has tiny specks of color that allows it to blend in perfectly with my skin. It is also SPF 20, perfect for those first days in the sun. 

My favorite thing about Studio Gear CC Cream is that it is light weight- it feels no different than wearing a moisturizer. It is also not a full coverage makeup- no fear of looking like a porcelain doll. It almost looks like you are wearing no makeup- it just makes your skin look more even. I am officially in love with this product! 

One other thing I love about this CC cream is that it can cover tough spots by just adding another layer to that area. That's how I covered the sun burn scar under my eye. 

Do you want 10% off of your very own tube of Studio Gear CC Cream? Just head on over to http://studiogearcosmetics.com and enter bloggercc at the shopping cart. Be sure to note that it is a 10% discount code. 

Gentle Spring Cleaning With Pampers

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

I'm a planner to the core, this even includes Spring cleaning. By the time New Year's Day is over, I'm ready for Spring, and to me that is all about getting clean, organized, and fresh. When I write out my calendar for the year, I go ahead and schedule when I plan to Spring Clean. This gives me plenty of time to decide which projects I want to tackle and gather the supplies needed.

Now, with two little ones, Spring Cleaning is a little different. I have to be especially careful with cleaners and with my time. Since I have an infant and a 3 year old that is into everything, this dominates the majority of my time.

Last weekend, my husband and I jumped on cleaning and got the basics done. This is so great because I can now focus on those projects I wanted to tackle without worrying about getting the actual deep cleaning done. Time to organize the closets!!!

One of my main focuses with cleaning this year was using more gentle cleaners, while maintaining the quality of clean that I like. I have been making all natural cleaners at home, but have a few store bought things that I insist on cleaning with.

Pampers Gentle is one of those things that I have to have. Now only do they clean the kids faces and wee bottoms, but I can clean the highchair and know that if the princess licks it, she's okay. They are also great for out and about if I need to clean a toy or pacifier. Thanks to Pampers, some lucky moms are also getting the gift of gentle clean.

I received an amazing package that is going to a local mom support group. This organization is great for those moms that may not have a lot of day to day support and especially new and expectant moms that just need someone to talk to. With the $50 AmEx gift card that was also sent to me, I will purchase more packages of Pampers Gentle. When moms go to a group, she receives a pack of diapers and wipes, as well as "mom bucks" to use in the gift shop of donated baby items. When I finish the closets, I'll drop off the outgrown baby clothes for them to put in the gift shop.

I think the moms in need will really benefit from these items and I'm so happy to participate in this gentle clean promotion and be able to share a gift with new moms.

Thanks to Pampers and Double Duty Divas, you get a chance to win the same package, which includes the following:

Cleaning Caddy

Swiffer Wet Jet

Pampers Gentle Wipes

Olay Quench Lotion

CasaBella Gloves

(Entry Below!)

Just in case you don't win, you should Join us for the Twitter party celebrating a gentle Spring cleaning.


April 8 at 8pm est

To participate, follow your hosts @DoubleDutyDivas, @BridgetteLA, @CeceliaMecca @AngieKcom @WhatMommiesNeed @RamblingChick, and our sponsor @Pampers.

Twitter Party Prizes Include:

1 Box of Pampers Sensitive Wipes (448 ct) + $50 SpaFinder.com Gift Card
1 Box of Pampers Sensitive Wipes (448 ct) + $50 Car Cleaning Service Gift Card
1 Box of Pampers Sensitive Wipes (448 ct) + $100 Merry Maids Gift Card
1 Box of Pampers Sensitive Wipes (448 ct)
1 Box of Pampers Sensitive Wipes (448 ct) + Roomba Pet and Allergy (ARV $450)

RSVP here: http://twtvite.com/PampersGentleClean

Enter to win your own prize pack here:

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