Free Stuff – Graphics, Wallpapers, Downloads, Paid Surveys, Free Products and More #free #movie #streaming

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#free stuff without surveys

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Free Stuff

Free Graphics, Avatars, Wallpapers, Vector Icons and more

Free stuff is better than stuff that you pay for. sometimes. Right now we have a huge selection free graphics like avatars, smilies and icons. I’ve given them very liberal usage rights — so you can use them for just about anything.

Sometimes we feature also feature links to some cool offers to get free products, prize draws or paid surveys. (none at this time.)

Free Graphics Avatars:

Desktop Wallpaper Downloads! – check out these desktop backgrounds I designed, including some optical illusion wallpaper images.

Avatars – Huge collection of free avatars to use on forums, IM, chat, websites, blogs, or whatever. Even webmasters and software developers are free to use them in their work — yup: really free. Sizes available include 75×75 and 100×100 pixels

Smileys – Colorful smilies, completely free to use wherever you like. Add some color to your blog.

Flag Icons – These come in handy. Again, completely free for webmasters, designers, software developers, etc.

Also see our Free Content for Webmasters Bloggers for more goodies like cartoons and vector graphics.

Other Freebies on Blifaloo:

Magic Trick eBooks – Free downloads, learn magic tricks for free. Other websites sell the same books we are giving away.

If you use any of these avatars or other graphics, we sure would appreciate a link back to blifaloo.com – but that is not a condition of use. Thanks 🙂

So much free stuff, so little time. Check back often as we add new and cool free offers and other goodies.

Free Products

Note about freebies, product surveys, and give-aways featured on this page: These offers are legitimate — but the companies generally make there money back from advertising, market research, and up-selling.

Tip: if you are going to go freebie hunting: set-up an email account just for that purpose.

Sorry, no free product give aways available at this time.

Paid Surveys Easy Money

Sorry, no paid surveys available at this time.

Bored? Play a Game:


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Creative Memories Scrapbooking Products #agv #free

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#free website template

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Have you checked out the new CM? I’m thrilled to share there’s a new owner who’s brought back authentic Creative Memories and Ahni & Zoe products (proudly made in the U.S. by the team in St. Cloud, MN) along with a super-easy to shop, modern website.

Creativememories.com only allows sales within the US and the Canadian Provinces of British Columbia and Ontario at this time.

You have no items in your shopping cart.

Please note: The site will be unavailable for a short time on Thursday August 4, beginning approximately 9 a.m. CST (Friday 5 August 12 a.m. AEDT). Thank you for your patience with this brief outage so we can serve you better.

2016 CM Group Holdings, Inc. All Rights Reserved. CM Group Holdings Brands: Creative Memories and Ahni Zoe by Creative Memories. SITE MAP | PRIVACY POLICY | LEGAL NOTICE

You are trying to order or sign up with an Advisor who is no longer active. Not to worry. If you proceed, your order or sign up will be affiliated directly with Creative Memories. If this is not your intention, don’t proceed with your order. You can search for another Advisor using this link.

You appear to be in a different country than USA but have visited the Creative Memories USA site.
Proceed to Creative Memories USA or switch to another CM site.

Hello!

Hello! There was an error processing the direct deposit information previously entered. Please take a moment to re-enter your direct deposit information now so you can receive weekly earnings.


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Check out the #1 resource where to find free products, gadgets, & more #free #forum

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#free stuff by mail

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  • Where to Find Free Stuff Online The economy is still rough, and spending money frivolously still just isn’t an option. Here are five websites you must check out in order to get a.
  • Top 25 Most Addicting Free iPhone Games The iPhone has nearly completely taken over the cell phone, gps, and gaming industries with its unprecedented.
  • Freebies by Mail Companies constantly offer free samples of their up-and-coming products to attempt to predict how successful the product will.
  • Truly Free Credit Scores from Credit Karma Finding a site that offers entirely free credit reports have been nearly impossible. Many sites advertise as offering free scores, but.
  • Free Photos and Images Pictures are one of the most important elements of a successful webpage, flyer, brochure, menu, etc. Pictures grab the reader’s attention, and if.

Welcome to free.com!

Welcome to the Internet’s best source for what you love most. incredible free stuff! If you’re seeking the latest in great free stuff online, free.com is your place to be. Featuring one of the largest directories of freebies every gathered in one online location, here at free.com, we scour the Internet to bring you the best in free products and samples from the brands that you know, recognize and trust.

free.com has one of the largest collections of freebies every gathered including all kinds of free posters, software, phones, cameras, clothing, hats, magazines, savings offers, coupons, deals, sweeps, trial products and just about anything else that is free or nearly free. Companies from all over the world over are always developing new products and offering special promotions in order to promote their businesses and get a chance at your future business too. Many companies are desperately seeking a small amount of your time and attention and all you have to do is respond online to get in on the fun and freebies.

All of the products and offers at free.com are completely free of charge and you won’t need your credit cards or checkbook to get in on the action. Just as soon as you get started you will be able to start receiving great free stuff at your house on a regular basis. free.com lists tons of new free offers and samples every day and more new listings in every category are being added all the time. free.com is your guide to the world of incredible totally free stuff and we’ll show you everything you need to know to find and receive great offers, samples and other products completely free of charge.

free.com is your number one resource for great free stuff online. There are tons of great free items and offers out there waiting to be claimed right now and it’s fun and easy to get in on the action. We update our free listings daily and post only the best totally free stuff! Remember to check back daily because many offers come in limited numbers. Bookmark free.com right now and remember to check back for new listings frequently.

  • How to Get Free Lives on Candy Crush Saga Candy Crush Saga is the new app game that has taken the social media world by storm. This incredibly addicting, bejeweled style game maintains its.
  • Six Things You Can Get For FREE Getting things for free is usually too good to be true. However, the new movement of “going green” is turning people away from the landfills and.
  • Free and Fun Typing Games Typing has become one of the most sought out and necessary skills for nearly every and any kind of.
  • Whiten Your Teeth for Free! Teeth whitening can be expensive, uncomfortable, and messy when using gels or trays. However, there is a little secret solution that many coffee.
  • How to get free WiFi All the Time Nowadays, everyone needs Wi-Fi, all the time; we need Wi-Fi for our phone, tablets, and computers to stay connected with work, school, family and.
  • How to Get Free Wifi Nowadays, everyone needs Wi-Fi, all the time; we need Wi-Fi for our phone, tablets, and computers to stay connected with work, school, family and.
  • How to Get Free Wi Fi Nowadays, everyone needs Wi-Fi, all the time; we need Wi-Fi for our phone, tablets, and computers to stay connected with work, school, family and.
  • Top Free Streaming TV A research report from the NPD Group found that Hulu topped the list of free Internet streaming television providers by grabbing nearly half of.

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Free Samples – Freebies, Free Stuff, Sample Products, Make Up, Baby, Beauty, Candy #free #music.com

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Free Samples – Free Sample Products, Freebies, Stuff, Make Up, Baby, Beauty, Candy

Really Free Samples is a leading source for free samples, freebies and free product samples for categories like beauty, baby, food, computers, automotive, school, money, clothing, etc. and free sample products such as make up, cosmetics, candy, perfume, condoms and more. We help you find totally free samples. freebies. gift cards, and free stuff for teachers, parents, babies, kids, teens and everyone!

Get Free Samples from Coolsavings

Totally Free Samples
We realize that what you want is totally free samples . so we do our best to list all the totally free product samples and freebies available on the Internet. However, we also realize that there are many more free offers that may have shipping and handling or some other requirement, so we include these at Really Free Samples as well. We want to be the #1 source for free stuff. freebies and free sample products anywhere!

Free Product Samples – Freebies – Free Stuff – Free Sample Products – Free Trial Offers

More Free Samples

Related Products on eBay.com:

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MISSHA Samples 4set double #1 Free gifts
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Free Samples Categories
There are so many different categories of free samples that we cover on ReallyFreeSamples.com. There are free make up samples, beauty supplies, baby products, candy, perfume, cosmetics, food, and even free condom samples. You can find all free product samples right here including beauty and baby products, cosmetics, candy, perfume, makeup, condoms, food and so much more!

Free Samples for All
We strive to offer the best free samples and update this site regularly. We offer freebies for babies, parents, teens, teachers, kids, and free stuff for just about anyone. For the best selection and variety of freebies, check here. Whether you have a baby, you have an older kid/child, you are a teen, you’re a parent, or you’re a teacher, visit this site frequently for the latest updates and newest offers.

Free Samples RSS Feed
Stay current with brand new free samples by using our Free Samples RSS Feed. Simply add it to your favorite RSS reader, My Yahoo homepage, My MSN homepage, or other compatible feed reader.

Really Free Samples
The name of our site is Really Free Samples, and we work to include all the best totally free samples we can find. However, we don’t want to limit our site, so we offer samples, freebies, trial offers, stuff giveaways, gift card offers, contests, sweepstakes and sample products of all types and conditions. When an offer included on this site has shipping and handling charges or other requirements, we often list this right in the description, so you can decide about the offer before clicking the link. For any offer, always read any terms and conditions, requirements or other fine print associated with it directly on the site offering it. We will not be responsible for any use of or problems with the info and links on this site, use of any sites we link to, or any errors or ommissions on ReallyFreeSamples.com.


Categories: News Tags: Tags: , , , , , , , , , , ,

Laptop for Free – Free Laptops and Other Electroinc Products Online #ebooks #free

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#free laptops

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Get a Macbook Pro for FREE

It s finally there, the new Macbooks Pro are available. The bigger 15-inch Macbook features quad-core i7 processor, up to 3x faster AMD Radeon graphic, HDMI port, Thunderbolt support, FaceTime HD camera and much more packed in a beautiful single block of aluminum. All this you can get in the nearest Apple Store for prices starting at $1.799 or click and get the New Macbook Pro FREE !

Get Apple iPad

The most popular Apple product on the planet once again is available to loyal Apple customers. This Apple iPad is out for grab so if you are planning to buy an iPad for you or as a gift, try here first and get hold of your money.

Our sponsors have been giving away electronics for testing for a while now and you are lucky to find this iPad offer .

All you need to do is to click on the image above and follow the instruction.

More Laptop offers:

Ok, so let s get something straight. You have been on the fence about getting a Playstation. One voice in your head is saying Go on get it, it will be so much fun. You can play with your friends, play with people online and have a wonderful time. Besides you deserve it .

The other voice is saying You can t afford it and your wife would be really annoyed at you for spending the money. Yes but it does have a bluray player and we can stream Netflix. Yes but it is over $300 and you can t afford it .

Well that is a great question. Really you have three (legal!) options. Firstly, save up each month until you have enough to buy it. That is a pretty slow and boring way to do it. Think of all the racing you could have done by then on Grand Tourismo!

Secondly you could buy it on your credit card and pay back the interest. Probably not a good idea.

That is a brand new Playstation and Move bundle for free! What an awesome offer. I can just see the smile on your face as you are playing games thinking to yourself I got this for free Pretty sweet!

You friends will be very jealous and your wife will think you are a wonderful man. That might just be worth more than the Playstation! Either way you will have saved a lot of money. Still not tempted? Check this out!

  • The PlayStation Move places you in the game through ultra-sensory precision.
  • PlayStation Move gaming is accessible and characters are easy to control
  • Challenge friends online, download games, movies, and more, with PlayStation Network
  • Watch high-definition movies via the included Blu-ray player
  • Enjoy immersive 3D games with your PS3 system on your 3DTV

Is In: Other Electronics


Categories: News Tags: Tags: , , , , , , , , ,

FREE Diapers, Wipes, Skin Products – Free Stuff Finder #free #xbox #360

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#free diapers

#

FREE Diapers, Wipes, Skin Products

September 26, 2016 at 12:02 pm

These guys make the cutest diaper prints I ve ever seen! Plus they do not contain chemicals found in leading brands of Diapers. Right now you can Sign up for a Free Trial pack of Diapers, wipes and a set of 5 skin care products for your baby (lotion, shampoo/body wash, healing balm, hand soap, and laundry soap). Just pay shipping. At the very least, you gotta go check out the adorable prints they have. I almost died from cuteness.

The Honest Company was founded by Jessica Alba and focuses on creating safe and eco friendly products for our kids (From babies to 4 years old). It s a monthly subscription service that costs between $35 and $79 per month.

FREE TRIAL*
Diapers Bundle
Includes a sample supply of diapers AND wipes (for a limited time ) that are safer for children
Just pay $5.95 S H.

FREE TRIAL*
Family Essentials Bundle lotion, shampoo/body wash, healing balm, hand soap, and laundry soap
Includes a trial size of the most important stuff you ll need for your family

With your Free Discovery Kit you will become enrolled as a MEMBER of The Honest Company. You have 7 days following receipt of your Discovery Kit to cancel your membership at any time, for any reason. We will remind you several times about your membership options. If you choose to not cancel your membership, you will be charged $79.95 plus $5.95 shipping and handling for your monthly supply of Diapers, or $35.95 plus $5.95 shipping and handling for your monthly supply of Family Essentials.

Get updates on the hottest free stuff. Sign up, it s FREE!

  • Money Saving Deals

    Earn FREE Gift Cards and Rewards with Harris Poll Online

    Get rewards such as Free Gift Certificates, Merchandise, and more by responding to quick and easy surveys through Harris Poll Online (Owned by Nielsen) for market research. Click here


  • FREE Baby Einstein Book Bundle (Just Pay $4.99 Shipping)

    You can get Disney s Baby Einstein Welcome Package with 4 Books and Flash Cards for Free with promo code FREEBUNDLE. Just cover $4.99 shipping. You ll get 3


  • *HOT* FREE Julep Beauty Box ($40+ Value)

    (For a limited time) Treat yourself every month with premium makeup and mani/pedi products from Julep. Plus, right now, Julep is offering new customers a Free Beauty Welcome Box ($40 Value)

    Free Stuff

    FREE Bridal Guide Magazine Subscription

    Here s a fun magazine that all you Bride-To-Be s would enjoy! Get yourself a Free Two Year Magazine Subscription to Bridal Guide with no purchase necessary!


  • FREE Cookie for Teachers at Great American Cookies (10/5 Only)

    October 5th is World Teachers Day and Great American Cookies will be offering a FREE Cookie to all teachers. All you need to do is


  • Win FREE $100 Prize Pack ($50 Walmart Gift Card + Dove Products)

    (Giveaway ends 10/12 at 11:59 PM PST) Have you tried Dove Personal Care Products? I love the quality and simplicity of these products. Dove promotes self-esteem

    Coupons

    *NEW* $2.00 in V8 Coupons + Target Deals

    Head over here to print $2.00 in NEW V8 Beverage coupons! You can snag $1.00 off one V8 Veggie Blends and $1.00 off two V8 100%


  • *HOT* $1.84 (Reg $3) Sun-Maid Cinnamon Swirl Bread at Target (Print Now!)

    Fire up your printers! We have a new RARE $1.00 off one Sun-Maid Cinnamon Bread or Cinnabon Cinnamon Bread Coupon that we can use over at Target.


  • Preview: Checkout51 Offers (10/6-10/12)

    Here s the deals that start Thursday, 10/6 – 10/12 for Checkout51. If you haven t tried Checkout51, it s a great way to save some extra money.

    Tips

    3 Minute Fudge (Only 3 Ingredients SO GOOD!)

    There is something about homemade fudge that is so satisfying. It is so creamy and delicious for any occasion. This fudge is so easy to


  • Chocolate Peanut Butter Balls (Yummy Recipe!)

    Guest Post by: Lorena from Green Healthy Cooking Chocolate Peanut Butter Balls are the perfect after-school-snack or grab-and-go breakfast for busy mornings. Quick and easy


  • Cheesecake Stuffed Strawberries (4 Easy Steps!)

    If you love strawberries and you love cheesecake, you ve come to the right place. This is one of my favorite go-to desserts because it is

    Online Deals

    *HOT* Buy 1 Get 2 FREE Oshkosh Tees

    For a limited time only, Oshkosh is offering a *HOT*sale on Infant and Kids Graphic Tees: Buy 1, Get 2 FREE! No promo code is


  • $12.20 (Reg $30) Heavy Duty Folding Chair

    Amazon is currently offering this Quik Chair Heavy Duty Folding Chair for only $12.20 + FREE Shipping with Amazon Prime or on orders over $49.


  • *HOT* $8 (Reg $20) Carter s Fleece PJs

    Hop over to Carter s where for a limited time only, 1-Piece Fleece PJs are on sale for just $8! This sale is for both in-stores

    Never miss an update. Subscribe today!


  • Categories: News Tags: Tags: , , , , , , ,

    How to Get Real Free Samples of Products By Mail Without Surveys #free #games #download

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    #free samples by mail no surveys

    #

    5 Ways to Get Real Free Samples of Food Products By Mail Without Surveys

    When I was younger, a friend s uncle used to write letters to companies in hopes of getting free swag. One time he told a gummy bear maker that a morphed gummy bear with two heads had frightened his daughter so badly she would no longer be able to enjoy candy. In response, the company sent boxes of their non-animal shaped candy in hopes of swaying the small child back on their side.

    While this might have worked for my friend s uncle, there are much easier ways of getting free stuff by mail.

    1. Check Freebie Websites
    Many websites offer links to free samples, but they re not all legitimate. To make sure you have a real sample offer, and not a survey or free trial offer sign up site, look for websites that link you directly to the company s website or only require a simple name and address to get the free samples by mail.

    • The Free Snatcher blog updates multiple times a day and includes samples, coupons and online deals.
    • Complimentary Crap posts free samples divided by category.
    • Yo Free Samples has a mailing list you can join to get daily emails on the best sample deals.

    You can also check company websites for samples. Many companies give away trial sizes of their new products on their website, especially those that sell cosmetics, make-up, and toiletries .

    2. Utilize Social Networks
    I recently got an entire pack of gum by liking the Extra Facebook page. In fact, many companies are offering free samples or an entire product on their social networking sites. These companies hope that by visiting their Facebook or Twitter pages, you ll add them to your own page so that all of your friends will see and do the same bringing in loads of potential new customers.

    You ll have to jump through a few hoops to get to the goods, but it s worth it for free sample junkies. To cash in, login to Facebook or Twitter and search for the company you re interested in. They will list instructions on snagging any free samples on their wall or main feed. You usually have to like the page or add them as a friend, and then provide your name and address to get the sample.

    3. Go Shopping on the Weekends
    As a kid, I loved going to Sam s Club and Costco with my parents because I knew that trays of free food awaited me. These wholesale clubs have been offering free samples of new foods, beverages and cleaning products for years. You can find the sample stands set up around the frozen food section and the packaged foods.

    Recently, Wal-Mart has gotten in on the in-store sample deal as well. Weekends bring the most in-store samples, but you can find the odd stand during the weekdays too. Wal-Mart, Sam s Club and Costco also post free samples on their website. However, a few of the deals on the Sam s Club and Costco sites require that you have a membership account number to sign up.

    4. Browse the Food Court
    Little bite-sized foods on toothpicks are the original free sample. Back in the day, every restaurant in the mall food court would have one of their employees stand at the entrance with a tray of food. I ve seen less and less of these trays recently, but you can still get a sample if you ask. Most places will let you try before you buy, especially ice cream stands and smoothie companies. Just ask the cashier if they have any sample products available before you place your order.

    5. Call or Write Your Favorite Companies
    While the uncle s approach may have been a bit over the top, you can actually get samples in the mail by calling or writing the manufacturer directly. If you have a great experience with a new product or a horrible one you can call or write the company using the product information listed on the box. Companies want feedback from the customers and may give out coupons, free samples or promotional products in return. This tip is even more effective if you have a blog or prominent audience through review sites like Yelp, epinions, or Amazon.

    Final Word

    There are plenty of ways to find free samples of products that you use on a daily basis, and some are as easy as clicking like on a social media page. But with a little bit of time and determination, you can save a bit of money each month by finding and taking advantage of these freebies.

    How do you find freebies and samples? Are there certain websites you always make a beeline for to get news on the latest and greatest free products? Share your tips and tricks with us in the comments below.


    Categories: News Tags: Tags: , , , , , , , , , , ,

    Laptop for Free – Free Laptops and Other Electroinc Products Online #free #clothing

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    #free laptops

    #

    Get a Macbook Pro for FREE

    It s finally there, the new Macbooks Pro are available. The bigger 15-inch Macbook features quad-core i7 processor, up to 3x faster AMD Radeon graphic, HDMI port, Thunderbolt support, FaceTime HD camera and much more packed in a beautiful single block of aluminum. All this you can get in the nearest Apple Store for prices starting at $1.799 or click and get the New Macbook Pro FREE !

    Get Apple iPad

    The most popular Apple product on the planet once again is available to loyal Apple customers. This Apple iPad is out for grab so if you are planning to buy an iPad for you or as a gift, try here first and get hold of your money.

    Our sponsors have been giving away electronics for testing for a while now and you are lucky to find this iPad offer .

    All you need to do is to click on the image above and follow the instruction.

    More Laptop offers:

    Ok, so let s get something straight. You have been on the fence about getting a Playstation. One voice in your head is saying Go on get it, it will be so much fun. You can play with your friends, play with people online and have a wonderful time. Besides you deserve it .

    The other voice is saying You can t afford it and your wife would be really annoyed at you for spending the money. Yes but it does have a bluray player and we can stream Netflix. Yes but it is over $300 and you can t afford it .

    Well that is a great question. Really you have three (legal!) options. Firstly, save up each month until you have enough to buy it. That is a pretty slow and boring way to do it. Think of all the racing you could have done by then on Grand Tourismo!

    Secondly you could buy it on your credit card and pay back the interest. Probably not a good idea.

    That is a brand new Playstation and Move bundle for free! What an awesome offer. I can just see the smile on your face as you are playing games thinking to yourself I got this for free Pretty sweet!

    You friends will be very jealous and your wife will think you are a wonderful man. That might just be worth more than the Playstation! Either way you will have saved a lot of money. Still not tempted? Check this out!

    • The PlayStation Move places you in the game through ultra-sensory precision.
    • PlayStation Move gaming is accessible and characters are easy to control
    • Challenge friends online, download games, movies, and more, with PlayStation Network
    • Watch high-definition movies via the included Blu-ray player
    • Enjoy immersive 3D games with your PS3 system on your 3DTV

    Is In: Other Electronics


    Categories: News Tags: Tags: , , , , , , , , ,

    FREE Diapers, Wipes, Skin Products – Free Stuff Finder #free #antivirus #downloads

    No Comments

    #free diapers

    #

    FREE Diapers, Wipes, Skin Products

    September 26, 2016 at 12:02 pm

    These guys make the cutest diaper prints I ve ever seen! Plus they do not contain chemicals found in leading brands of Diapers. Right now you can Sign up for a Free Trial pack of Diapers, wipes and a set of 5 skin care products for your baby (lotion, shampoo/body wash, healing balm, hand soap, and laundry soap). Just pay shipping. At the very least, you gotta go check out the adorable prints they have. I almost died from cuteness.

    The Honest Company was founded by Jessica Alba and focuses on creating safe and eco friendly products for our kids (From babies to 4 years old). It s a monthly subscription service that costs between $35 and $79 per month.

    FREE TRIAL*
    Diapers Bundle
    Includes a sample supply of diapers AND wipes (for a limited time ) that are safer for children
    Just pay $5.95 S H.

    FREE TRIAL*
    Family Essentials Bundle lotion, shampoo/body wash, healing balm, hand soap, and laundry soap
    Includes a trial size of the most important stuff you ll need for your family

    With your Free Discovery Kit you will become enrolled as a MEMBER of The Honest Company. You have 7 days following receipt of your Discovery Kit to cancel your membership at any time, for any reason. We will remind you several times about your membership options. If you choose to not cancel your membership, you will be charged $79.95 plus $5.95 shipping and handling for your monthly supply of Diapers, or $35.95 plus $5.95 shipping and handling for your monthly supply of Family Essentials.

    Get updates on the hottest free stuff. Sign up, it s FREE!

  • Money Saving Deals

    Earn FREE Gift Cards and Rewards with Harris Poll Online

    Get rewards such as Free Gift Certificates, Merchandise, and more by responding to quick and easy surveys through Harris Poll Online (Owned by Nielsen) for market research. Click here


  • FREE Baby Einstein Book Bundle (Just Pay $4.99 Shipping)

    You can get Disney s Baby Einstein Welcome Package with 4 Books and Flash Cards for Free with promo code FREEBUNDLE. Just cover $4.99 shipping. You ll get 3


  • *HOT* FREE Julep Beauty Box ($40+ Value)

    (For a limited time) Treat yourself every month with premium makeup and mani/pedi products from Julep. Plus, right now, Julep is offering new customers a Free Beauty Welcome Box ($40 Value)

    Free Stuff

    FREE Bridal Guide Magazine Subscription

    Here s a fun magazine that all you Bride-To-Be s would enjoy! Get yourself a Free Two Year Magazine Subscription to Bridal Guide with no purchase necessary!


  • FREE Cookie for Teachers at Great American Cookies (10/5 Only)

    October 5th is World Teachers Day and Great American Cookies will be offering a FREE Cookie to all teachers. All you need to do is


  • Win FREE $100 Prize Pack ($50 Walmart Gift Card + Dove Products)

    (Giveaway ends 10/12 at 11:59 PM PST) Have you tried Dove Personal Care Products? I love the quality and simplicity of these products. Dove promotes self-esteem

    Coupons

    *NEW* $2.00 in V8 Coupons + Target Deals

    Head over here to print $2.00 in NEW V8 Beverage coupons! You can snag $1.00 off one V8 Veggie Blends and $1.00 off two V8 100%


  • *HOT* $1.84 (Reg $3) Sun-Maid Cinnamon Swirl Bread at Target (Print Now!)

    Fire up your printers! We have a new RARE $1.00 off one Sun-Maid Cinnamon Bread or Cinnabon Cinnamon Bread Coupon that we can use over at Target.


  • Preview: Checkout51 Offers (10/6-10/12)

    Here s the deals that start Thursday, 10/6 – 10/12 for Checkout51. If you haven t tried Checkout51, it s a great way to save some extra money.

    Tips

    3 Minute Fudge (Only 3 Ingredients SO GOOD!)

    There is something about homemade fudge that is so satisfying. It is so creamy and delicious for any occasion. This fudge is so easy to


  • Chocolate Peanut Butter Balls (Yummy Recipe!)

    Guest Post by: Lorena from Green Healthy Cooking Chocolate Peanut Butter Balls are the perfect after-school-snack or grab-and-go breakfast for busy mornings. Quick and easy


  • Cheesecake Stuffed Strawberries (4 Easy Steps!)

    If you love strawberries and you love cheesecake, you ve come to the right place. This is one of my favorite go-to desserts because it is

    Online Deals

    *HOT* Buy 1 Get 2 FREE Oshkosh Tees

    For a limited time only, Oshkosh is offering a *HOT*sale on Infant and Kids Graphic Tees: Buy 1, Get 2 FREE! No promo code is


  • $12.20 (Reg $30) Heavy Duty Folding Chair

    Amazon is currently offering this Quik Chair Heavy Duty Folding Chair for only $12.20 + FREE Shipping with Amazon Prime or on orders over $49.


  • *HOT* $8 (Reg $20) Carter s Fleece PJs

    Hop over to Carter s where for a limited time only, 1-Piece Fleece PJs are on sale for just $8! This sale is for both in-stores

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    Reap exclusive rewards when you invest or insure with us.

    Invest or insure with us now and enjoy a preferential interest rate of 4% p.a.* on your 3-month SGD time deposit.

    Plus, let our team of financial consultants take you through a Goal Planner session to better understand your needs, ambitions and goals.

    * To be eligible for this Promotion, all deposits must be made during the Promotional Period with fresh funds only. The minimum TMD placement amount is S$5,000 and the maximum TMD placement amount is the lower of the investment amount or S$1,000,000. HSBC Wealth Promotion terms and conditions apply.

    Deposit Insurance Scheme
    Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law.

    Investments

    At HSBC, we believe in providing personalised financial guidance, advice and after-sales support along with our customised products and services to help you achieve your goals. Tap on the experience and expertise of our financial consultants, or explore our wide offering of investment products and services to start growing your wealth today.

    Our Products and Services

    Access greater diversity with lower capital.

  • Explore your gateway to earning steady returns.

  • Learn about potential returns on your surplus funds.

  • Discover a one-stop solution for all your trading needs.

    The information contained on this website is intended for Singapore residents only and should not be construed as an offer to purchase or subscribe for any investment where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America and Canada.
    Before you make any investment decisions, you may wish to consult a financial adviser. Please visit any of our branches or contact our 24-hour Customer Service Hotline on 1800-HSBC NOW (4722 669) from Singapore or (65) 6-HSBC NOW (4722 669) from overseas, to make an appointment. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether this investment is suitable for you.

    Deposit Insurance Scheme

    Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law.

    What should I do before I start investing?

    Know your current financial situation. Before you begin to think about investing your money, you should know how much you could spare each month. Naturally, the more you can put aside now, the better it will be for your future. It’s up to you to achieve a balance between your current lifestyle and your expectations.

    Use our handy planning tool to find out how much you can invest. Or take a look at the example below.

    Calculate your income and expenses taking into account the following:

    • Mortgage repayments
    • Personal tax
    • Loans and overdrafts
    • Living expenses
    • Emergency funds
    • Car expenses
    • Entertainment
    • School fees
    • Family commitments

    Generally speaking, whatever spare cash you have after allowing for all your expenses is what you can afford to invest. You can commit a certain amount each month and look upon it as a monthly expense. As your salary increases, you should also increase the amount you invest proportionately. By doing this, you’ll be keeping up with inflation and your money will be working harder for you.

    I know how much I have to invest, now what?

    Once you know how much you can afford to invest, you can set your objectives – why you are investing and how you are planning to use your investments. Your objectives could incorporate any combination of the following:

    • Retirement
    • Protection for your family
    • Education for your children
    • Special needs or emergencies
    • Specific occasions (e.g. a wedding, buying a house, emigrating)
    • Wealth accrual

    Now make a list of your objectives, in order of priority, because you may not be able to afford to achieve every single goal. Divide your objectives also into long-, medium- and short-term goals. This will help you choose the type of investment you want to make. For example, if you plan to send your children to study abroad in three years’ time and you need to save for their tuition fees and living expenses, you’ll need a fairly low-risk investment. Think about when you will need the return as it also helps to determine the time horizon of your investment.

    How do I determine my risk level?

    Keeping your objectives in mind, determine how much risk you’re prepared to take. Do you want to adopt a conservative, moderate or aggressive investment strategy? Ask yourself the following questions before you make your decision:

    • Are you prepared to make long-term investments, which will allow you to take greater risks for higher returns?
    • If you’re going for short-term, high-risk investments, can you afford to lose some of the money you invest?
    • If you’re married with children, what level of risk can you take and still be certain of their future?
    • If you want your money to be safe, will you be content with a moderate rate of return?
    • If you opt for safe investments, will the returns be enough to cover inflation?

    The important thing to remember is that, in general, you can afford to choose higher-risk investment tools for longer-term investments because, even if they go down in the short term, they are likely to show an overall upward trend over a long period. But for short-term investments, you will find low-risk products a more reliable and safer option.