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Monday, November 17, 2014
HostGator review and coupon codes
If you are planning to web hosting packages or domain names for starting your blog or website, one of the good web hosting company is HostGator. Their services is very good and the prices are among the lowest among most major web hosting companies.

HostGator also uses cPanel customer control panel which enables you to quickly access various tools to easily edit and manage your web or blog site. HostGator also allows quick and easy install of WordPress, Moodle, and other platforms. As a result, you can have your web site, blog site, or eCommerce store up in a few minutes.

I also like the fact that if you need any assistance, you can contact it's tech support team 24/7, 365 days out of the year.

Depending on the type of your web hosting package, prices can range from about $4/month to $8 per month. You can further reduce your total cost, by using the following coupon codes (promotion codes):
  • To get 25% Off on new Web hosting packages, use coupon code: 25PercentOffTMHostG
  • To get $9.94 Off on new Web hosting packages, use coupon code: 994OffTMHostG

Note: The above post contains affiliate links.

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Sunday, October 26, 2014
4 Free movies via Scotiabank's SCENE Visa Card
If you are a Canadian resident, here's a great way to earn 4000 bonus SCENE points which is enough for 4 FREE movies! How? By getting Scotiabank's Scene Visa Card.

Here're some of the features of the card:

- No annual fee
- You earn 1 SCENE point for every $1 you spend
- You earn 5 SCENE points for every $1 you spend at participating Cineplex Entertainment theatres or online at
- The points can be redeemed for free movies, music, & other entertainment rewards, starting at just 1,000 points

For more info and complete details, see:

Scotiabank's Scene Visa Card

Note: The above post contains affiliate links.

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Thursday, October 16, 2014
Making a difference with Ali Brown's Elevate Program
When you think about your own truth, what springs immediately to mind?

Entrepreneur mentor Ali Brown believes that knowing your truth can change your life. She says that truth is possibility. Truth is knowing you can change your life. Truth is all the good things going on in this world right now. How great is that!

Ali knows from her many years of experience that it's important to continually hear from and surround yourself people who are making change in their lives. Who are focused on the good.

Did you know just last year alone there were over 8.6 million women-owned businesses in the US, generating over $1.3 TRILLION in revenue?

In honor of National Women's Small Business Month, Ali is sharing a video of some members in her Elevate Program that are stepping up and stepping out to make a difference in the world. I think you'll be as inspired as I was by this video:

Ali Brown: Inspiring Video

The site also allows you to schedule a free/complementary consultation with her.

I am an affiliate. Please also see Disclosures and Disclaimer.

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posted by Ruby @ 9:07 PM   0 comments

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Monday, September 29, 2014
Eight qualities of a winner
Joel Osteen, the master of inspiration, has come out with a new book called, You Can, You Will: 8 Undeniable Qualities of a Winner and was recently on NBC's Today show talking about his book.

In the interview, Joel Osteen provided the following advice:

Run your own race - You aren't like any other person, so don't try to imitate another person's style. Each of us has been put in this world to fulfill our purpose, so focus on fulfilling your own purpose, without trying to imitate another's person's style

Advice to a single mom regarding meeting the right guy - Stay in faith. When you do what you do, god will guide your steps. Be comfortable and stay in faith and things will happen on His time table.

Advice to another single mom running low on funds - His advice again was to stay in faith - when a door closes, it doesn't mean the final door has closed.

Provided below is the complete video of his interview:

Visit for breaking news, world news, and news about the economy

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Friday, August 01, 2014
$229 Giveaway - Chance to win August Kindle Fire, Gift Card or Paypal Cash is giving you an opportunity to win a Kindle Fire HDX or $229 Amazon Gift Card or $229 Paypal Cash! The first prize is available via the rafflecopter available on that site. The 2nd is available only to those share this giveaway.

Deadline is August 31, 2014.

For complete details, see:

August Kindle Fire $229 Giveaway

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Saturday, May 03, 2014
Weekend Quote - Your Wealth Container
Think of yourself as a container for wealth. If your container is small and your money is big, what’s going to happen? You will lose it. Your container will overflow and the excess money will spill out all over the place. You simply cannot have more money than the container. Therefore you must grow to be a big container so you cannot only hold more wealth but also attract more wealth. The universe abhors a vacuum and if you have a very large money container, it will rush in to fill the space.

- T. Harv Eker, Author:  Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth

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Sunday, April 27, 2014
$100 Canadian dollars in gift cards for Smart Cash MasterCard® Credit Card or MBNA Platinum Plus® MasterCard® credit card (for Canadian residents)
If you are a Canadian resident, here's a great way to earn $100 Canadian dollars from RateSupermart - apply for a MBNA Smart Cash MasterCard® Credit Card or MBNA Platinum Plus® MasterCard® credit card and make your first purchase within 60 days of account opening. You get a FREE $25 gift card (over 50 to choose from!) upon approval, and then you get another $75 gift card after first transaction within 60 days of account opening, for a total of $100 Canadian dollars. The offer is valid till April 30, 2014.

For more info, see:

Top Credit Cards

Note: The above post contains affiliate links.

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Saturday, March 15, 2014
GRA - A property accounting firm for assistance with investing in New Zealand
Real estate investing is one of the well-known ways to make passive income. Many people have made lots of money investing in real estate, while many others have lost sizeable money in pursuit of real estate riches. There are many factors that contribute to success or failure in your real estate investing but one of the important factors in achieving success is having a good tax accountant. This is especially when investing internationally. Why? Because the success in real estate business to a large extent depends on how your structure your business and how you manage your cash flows. Structuring your real estate business ensures your property is managed professionally while also shielding you from any negative impacts of lawsuits. Managing your cash flows ensures you are taking advantage of depreciation and other deductions and credits that real estate investing provides to you. This is especially true when investing internationally, where the lack of tax knowledge can put you at a great financial disadvantage. This is where having property accounting firms like Gilligan, Rowe+Associates (GRA) besides you can be a big advantage.

GRA is a New Zealand-based Chartered Accounting firm that takes a holistic approach in ensuring their clients' financial success rather than just focusing on the accounting aspects of their business. The company provides a wide range of services including family trusts, international taxation, offshore asset planning, property structures, and business services. The firm caters to many different types of clients, including New Zealand property investors who require compliance and asset planning services, New Zealand business owners, and foreign investors who want to invest in New Zealand. The company also provides paid and free property investment & education seminars and training.

For more information about GRA and to find out the schedule of its free propety investment & education seminars, check out:

Gilligan, Rowe+Associates (GRA)

While we are talking about New Zealand, if you need assistance with search engine optimization (SEO) and term life insurance in New Zealand, you may want to check out:

Search Engine Optimisation from Online Asset Partners
Term Life Insurance from Platinum

Note: The above is a sponsored post.

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posted by Ruby @ 9:57 AM   0 comments

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Sunday, January 19, 2014
"7 Mantras for Becoming a Money Magnet in the New Year” by Ali Brown
When I mentor my entrepreneur clients, most of them are surprised to discover that I often spend just as much time coaching them on a correct money mindset as I do on sound business strategies. How you think and feel about money is just as important as how you earn it. But if you don’t think and feel wealthy, then you’ll never get to that point.

So you need to think rich, feel rich, and take rich actions to achieve the lifestyle you want and to support the causes (and people) you care about. You can’t be focused on affecting change when you are anxious about your bank account.

Here are seven simple mantras that can help you infuse a healthy mindset into your life and your business in 2014.

1. “I am responsible for my financial success, and no one else.”
Your financial situation is a direct result of your own actions. If you find yourself blaming other people or circumstances, you are not accepting responsibility. Even worse, you are buying into the notion that you are powerless to change your circumstances. We can’t always control our circumstances. But we can very well control how we respond to them. Wealthy people create their own lives – it doesn’t just happen for them. You need to believe that, too.

2. “I learn about making money from wealthy people.”
If you take advice from someone who is struggling to make ends meet, nice as they are, then chances are you may find yourself in that situation too. If, on the other hand, you look to successful mentors who have proven they know how to make and manage their money, then you’re more likely rise to their level. (So next time your well-meaning Uncle Fred tells you to give up on your business, take into account his OWN state of finances!)

3. “I take good care of my money.”
If you can’t manage the money you have, it’s unlikely the universe will bring you more. Your money management system doesn’t have to be complicated—a notebook, pen, and calculator can even get you started. Ignoring your bills won’t help you achieve wealth.

But listen up: What you focus on expands, so I don’t want you to focus on your debt! Set up and honor a plan to pay off your debts and bills, but put your focus on creating a positive and healthy net worth. I myself was in tons of debt when I started my first business—so much so that I had to get some credit counseling. It was scary to sit down and add it all up, but awareness is the first step. With some care, it will only get better from there.

4. “I see opportunities in everything.”
While most people see roadblocks and risks every day that prevent them from taking action or doing anything to change their lives, wealthy people see the opportunities. Successful companies flourish during difficult economic times, and you can, too, if you know how to recognize opportunities and adapt as you go. As entrepreneurs, we’re blessed to be able to make changes quickly to adjust to market conditions.

When I had the opportunity not just once but twice to spend time brainstorming with Sir Richard Branson on his private island in BVI, my biggest takeaway was that I never once heard him say “Oh we can’t do that.” He listened to all ideas around him with great interest and consideration. He is about nothing but possibility. It was purely magical to be around him! I left feeling that anything was possible for me, too.

5. “I play to win big.”
Small thinking leads to small bank accounts. Big thinking leads to big money. Instead of making it your goal to earn a “comfortable” living, get out of your comfort zone and set higher goals for yourself. I see many women get stuck at one of two revenue levels in their business: One is just under $100K. The other is just under $300K.

These levels are fine and good for a steady income, but I challenge you to look for ways to leverage what you have to dramatically increase those numbers… without working any harder! There is always a way. And those big leaps in income are what will truly change your life, influence your family’s life, and enable you to make an impact in this lifetime in a powerful way. One of my client’s goals was to be able to give away more money in a year than she previously made in a year! What a wonderful way to think about it.

6. “I love to receive–especially money.”
 Learning to accept gifts can help you learn to accept money. Even something small like learning to accept compliments from others is a good start. (Have you ever noticed that’s so hard for some of us?) Never apologize for your pricing. Know what you are worth, charge what you know you are worth, and don’t be shy about asking for payment. You deserve to be paid upfront or at least on time. Be gracious, but stand up for your worth.

7. “I enjoy giving money to others.”
 Tithing–the act of giving back to worthy people and organizations–is an important part of the money cycle. When I said “yes” to the opportunity to be featured on ABC’s Secret Millionaire, I was stepping out of my comfort zone in a big way. The experience took me out of my element physically, emotionally, and financially (I gave away $100,000 to some worthy causes and people). I also signed a huge contract that made it clear it was not even guaranteed the show would air afterwards! But, I knew that money would always flow into my life, and I was ready to give back in a big way.

When you can share your wealth with others, you’ve truly freed yourself from letting money limit you.

One of my original business mentors, Dan Kennedy, taught me that the “hole” you invest through, spend through, and give through, is the same hole you receive through. If you invest and give small, you get small. Start looking for ways to invest in yourself and your business in the New Year, and ways to give back at the same time. It’s one of the biggest blessings we have as entrepreneurs!

Which mantra really resonated with you and why? What will you be doing in 2014 to become a money magnet? Please share in the comment section below.


“Entrepreneur mentor Ali Brown teaches women around the world how to start and grow a profitable business that make a positive impact. Get her FREE CD “Top 10 Success Secrets for Entrepreneurial Women” at"


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Saturday, January 11, 2014
Weekend Quote - Relationship Problem

You know what sucks? Watching the person that makes you happy be happy with someone else.

- Author Unknown

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Tuesday, December 31, 2013
Review of FC Exchange - a solution for fast and secure international money transfers
Recently got invited from one of my affiliates to do a paid/sponsored post for a company called FC Exchange. As I have to occasionally deal with international payments, I jumped on the offer and decided to write this post. FC Exchange is an England-based company, located in London and having satellite offices throughout the world. It is one of the leading currency brokers in London and has been in business for over 8 years. The company offers services related to foreign exhange and international payments. So if you need to do an overseas money transfer, FC Exchange is one of the alternatives to Western Union. However, what differentiates FC Exchange from its competitors is that it not only offers fast, secure, and best exchange rate guarantee, but it also works closely with its clients in understanding their needs. It seeks to develop close, long-term relationships with its clients by assigning a dedicated broker for businesses. As per the company's website, it has done over two billion pounds in transactions for both its personal and business clients. Good thing about the company is that it can offer wholesale rates for its business clients. Here are some of the situations in which you may consider dealing with FC Exchange:
  • International money transfers
  • Buying international property
  • Paying mortgage overseas
  • Currency exchange
  • Engaging in import/export transactions
  • Retiring abroad
  • Dealing in Forward contracts to lock in exchange rates, if making regular overseas payments
FC Exchange is an FCA Authorized Payments Institution and offers best exchange rate guarantee, with no charges for amounts over £10,000 (£10 fee for amounts under). As per the company's website, it has been profitable since 2005 and carries an A2 credit rating with Dun & Bradstreet, with no debt. For more information about the company, you can check out its web site:

FC Exchange

Note: The above is a paid post.

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Thursday, December 26, 2013
ING Direct Canada - 1.35% interest rate and upto $150 in account opening bonus; use Orange Key 40489747S1
As part of its ongoing promotion for opening an account with a minimum of $100, ING Direct Canada is offering $100 bonus till Dec 31, 2013 - $50 for the person opening the account and $50 for the person referring. After Dec 31, 2013, the bonus is halved to $25 each. To get the bonus, use copy and paste the following Orange Key: 40489747S1.

I opened the account with $200 before this promotion and got the $25 referral bonus after ING Direct received my deposit. Good thing is that the account has no minimum balance requirement to avoid monthly fees or service charges.

To get the $50 (before Dec 31, 2013) or $25 (after Dec 31, 2013) bonus:

1. Open any ING Direct savings or chequing (checking) account: see: ING Direct CA: Account Bonus
2. Open the account with a minimum of $100 deposit.
3. Use Orange Key 40489747S1 on the account opening form.

To get upto $125 bonus on THRiVE Chequing Account:

For a limited time, ING Direct CA is also offering $100 bonus on its THRiVE Chequing Account. This is in addition to $25 regular bonus ($50 if you open account by Dec 31, 2013) for opening the account with Orange Key 40489747S1. The account has no minimum balance requirement, free online bill pay, free first 50 cheques, free debit purchases and in addition, it earns you interest!

To get the $100 bonus, you need to:

1. Open THRiVE Chequing Account with a minimum $100 deposit: ING Direct CA THRiVE Chequing Account: $100 bonus.
2. To get additional $25 bonus, on the account opening form, use Orange Key 40489747S1.
3. Make a payroll or pension deposit to your Account by January 31, 2014. ING Direct's Institution (Bank) Number is #614; our Transit (Branch) Number is #00152.

To get 1.35% interest rate on Savings account:

As part of another promotion, ING Direct is offering 1.35% interest rate for a limited time on new deposits to Canadian Dollar Investment Savings Account (ISA), a Tax-Free Investment Savings Account (TFSA), or an RSP Investment Savings Account (RSP ISA). Maximum deposit is $250,000. To get additional $25 bonus, on the account opening form, use Orange Key 40489747S1

Please also see Disclosures and Disclaimer. Additionally, I am a ING Direct Canada client and may get referral bonus.

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posted by Ruby @ 6:23 PM   0 comments

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Shop and earn cash using cash back sites
Almost all of us are shopping online these days, whether it's for electronics, clothing, grocery and other purchases at stores like, Best Buy, or or buying air tickets, renting car or booking hotels at stores like Good thing is that you can cut down your expenses by purchasing through various affiliate sites. Instead of going directly to sites like or, you basically go through these affiliate sites and from there go to sites like,,,, and so forth.

Listed below are some of the sites that give you cash back on purchases made through affiliate links on these sites; each site requires you to open an account if you want cash back. You can go to these sites directly or use my referrals links below:
Remember: in order to get cash back:
  • You need to be logged into your account at these site, and then click the appropriate merchant's link such as that of Walmart. Once you click, you will be directed to that merchant's site and for any purchases you make at that site during the session, you may qualify to get cash (or in some cases, coupons).
  • When making your purchase, be sure not to visit any other sites before completing your purchase.
  • It can take anywhere from days to few weeks for the credit to appear in your account.

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Sunday, December 22, 2013
Weekend Quote - Opposition

When God calls you to do something that is bigger than you are don't be so shocked when people not only doubt you but criticize you!

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Saturday, December 14, 2013
Weekend Quote - Gratitude

Give thanks for every day, even the difficult ones. One of the keys to loving your life is learning how to take those negative things, give them to God, and allow Him to produce the priceless pearls are lives are meant to be.

- Victoria Osteen

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Friday, December 06, 2013
Weekend Quote - When Odds are Against You

Even when it looks impossible, when all the odds are against you and it seems permanent, the Creator of the universe, the Most High God can bring your dreams back to life.

- Joel Osteen

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Friday, November 29, 2013
Great 60% off Black Friday Promotion on Website Domains and Web Hosting - HostGator
HostGator is having a great Black Friday promotion on website domain names and web hosting. You can buy a domain for $4.50 for one year or $9.00 for two years or $13.50 for three-years. You can also get web hosting for $15 for the first year.

For complete details, see:

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Saturday, November 23, 2013
Weekend Quote - Worry

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Saturday, November 16, 2013
Weekend Quote - Ignore Other, Be Happy

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Monday, November 04, 2013
Hindi Movie Review - Krrish 3 - Verdict: Excellent movie with great special effects
Over the weekend, went to see Rakesh Roshan's latest sci-fi action thriller, Krrish 3. I absolutely loved the movie! Kids who are brought up in the US also had a blast!

Prior to going to the movie, had read the critics' reviews on the internet and almost all of them were bad. However, what I have learnt is that these are critics' reviews and what the critics are looking for isn't the same as most of us go to theaters to watch movies - basically to have good time with the family, and watch something entertaining - and Krrish 3 delivers full entertainment!

Watching Krrish 3 was like watching a Superman or X-men movie because ultimately that's what the protagonist, Krrish 3 is. The special effects were amazing and on par with the Hollywood's excellent standards! Songs are few but all of them were very good, especially the Raghupati Raghav and the Dil Tu Hi Bataa songs. Hritik Roshan as usual was superb, with good acting from rest of the crew cast, including Vivek Oberoi, Kangana Ranaut, and Priyanka Chopra. I especially like the way Hritik played three different characters in the movie - all were different from each other.

So my verdict - ignore the reviews and watch the movie. If you liked movies like Superman, Batmen, X-men etc, you are likely to like Krrish 3 as well.

Here's the link to the trailer on YouTube:

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Friday, October 18, 2013
Weekend Quote - Planning

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Friday, October 11, 2013
Weekend Quote - Waiting

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Friday, October 04, 2013
Weekend Quote - God's Favor
Sometimes the very things that we fight against, the very things that we think are trying to pull us down are actually the hand of God trying to push us into a new season.

- Joel Osteen

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Saturday, September 28, 2013
The stock investing book that changed Warren Buffett
Was watching Warren Buffett's videos on Youtube and came across a good video, with Warren talking about the book that changed his life - The Intelligent Investor. I have read this book and it sure contains lot of good information related to the fundamental analysis of stocks.

The link to Youtube video is provided below:

Some of the other good books on stock investing, including Berkshire Hathaway Letters to Shareholders, are listed below:

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Friday, September 27, 2013
Weekend Quote - Adversity
The flower that blooms in adversity is the rarest and most beautiful of all.

- Walt Disney Company (Movie: Mulan )

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Favorite Quote
"If you look at what you have in life, you will always have more. If you look at what you do not have in life, you will never have enough".
                - Author Unknown
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