Happy New Year!!!!!!!!!!.

Happy New Year!!!!!!!!!!


10 Things to do to Save Money When Shopping

1) Check for online coupons before you go to the store. Stores such as Michaels may have coupons to help you save on craft items.

2) The best time to shop for school supplies is in July. Stores such as Staples, Walmart and Target will offer huge discounts on school supplies.

3) The best time to check for airline tickets online is on Sundays. Go to Kayak website for domestic and Mobissimo website for Internationl tickets.

4) Check your weekly local supermarket store mailers, sent to your home, for discounts on weekly grocery items.

5) If you have kids, you can save on snack items by buying in bulk.  Shop at stores like Smart and Final since this store doesn’t require a club card membership.

6) You may be able to get a discount at some hotels with your AAA card .

7) Never pay retail unless you have to. Go to the clearance rack first.

8) Shop off season for cheaper prices.

9) Collect coupons from your local newspapers(Sundays) and swap coupons with friends to save money. Remember to check  the expiration dates.

10) Shop at Novadash.com for Gifts for your garden and more.

Shopping online at stores such as Novadash.com is convenient and easy to do.  It is easy to browse through online stores to search for gifts or any household items. If you don’t feel like leaving your home to shop just pick up your mouse, sit at your computer and order  your items online.

Niagara Falls

Niagara Falls

Niagara Falls is a wonderful place to visit.

10 steps on How to Buy Jewelry



  1. 1.    Look for the 4 C’s – Color, Carat, Cut and Clarity
  2. 2.    Weight in carats is given as decimal or fractions
  3. 3.    If the weight is a fraction, look for the reasonable weight range and the weight tolerance used
  4. 4.    Clarity enhancements are diamonds that have been treated
  5. 5.    Fracture Filling is when diamonds are filled in with other substances to conceal cracks- these are temporary
  6. 6.    Lasering or laser beams are used to remove spots and improve the look of the diamonds
  7. 7.    Lasering is permanent and may decrease the value of the diamonds
  8. 8.    Look for the weight and clarity of center stones separately, do not combine this weight with other smaller diamonds, since the value of the larger stone is worth more (if buying a diamond ring)
  9. 9.    Look for the certificate from an independent source (such as GIA, AGS, or EGL)
  10. 10.  Look at the diamond without the bright light




  1. Look for 24 Karat or (24K)- this is pure gold
  2. The higher the number of Karats means a higher amount of gold
  3. 18k or 18 karats is 18 parts of gold and 6 parts other materials
  4. 14k or 14 karat is 14 parts of gold and 10 parts other materials
  5. The gold jewelry should have the karat quality mark stamped on it
  6. Must have the US registered trademark or the name of the company
  7. Gold Plated is mechanical, electro or other base metal plates
  8. Gold Filled, rolled gold plate or overlay gold is when there is a minimum of 10k gold mechanically bonded to the metal
  9. The different color gold (Such as white) means the type of metal that was mixed with the gold
  10.  If it is less than 10k it is not marketed as gold