March 10th, 2009 by Esswi

{Directly excerpted from DonateMyDress.org}

[This site] is the first national campaign designed to encourage girls around the country to donate their prom and special occasion dresses to those who cannot afford to finance the costly experience of going to their prom, sweet 16, quinceañera or formal on their own. The site features a directory of local dress drive organizations across the U.S. that will enable girls to easily find out where in their local markets they can donate a dress or [RECEIVE ONE]. In addition, DonateMyDress.org contains information on upcoming local events, a photo gallery of real girls donating and receiving dresses, as well as links to content on prom and quinceañera planning, hair and makeup tips, and other worthy causes.

DonateMyDress.org is part of the Hearst Teen Network, which includes the industry’s leading teen brands — CosmoGIRL!, Seventeen and TEEN — as well as MisQuinceMag.com, MyPromStyle.com, eCRUSH.com and eSPIN.com. With more than three million monthly unique visitors, the Hearst Teen Network is one of the top 10 ranked entertainment news web sites, according to ComScore Media Metrix.

UPCOMING EVENT:

SAKS FIFTH AVENUE NATIONAL DRESS DRIVE
March 14th-March 31st
Drop off a dress at any Saks location to receive a 20% discount on a new dress.
*Meet Ashley Greene at the kick-off in NYC on Saturday, March 14 in NYC, 1pm-4pm!

Financial Blessings,

Nisha E.

February 18th, 2009 by Esswi

Join My Free Telecoaching Call Tues, Feb 24th

“Back by popular demand, I’ll be hosting another live teleconference on Tuesday, February 24th at 8:00 pm eastern. Space on this call is limited so register by clicking here. You can also register on our Facebook Page.

During the call, I’ll be focusing on the most relevant and timely ways that you can start fighting for your money today. So, I want to know what’s on your mind and what questions you have, related to saving and spending in today’s economy. Submit your questions to me at success@finishrich.com and I’ll do my best to answer it live during our call. Hope to “see” you there.”

Financial Blessing,

Nisha E.

February 12th, 2009 by Esswi

Make credit work for you - Score tips in any economy

Wednesday, February 25, 2009 8:00 PM - 9:00 PM EST

Credit is the foundation of the American Consumer’s financial house. Learning how to build a solid base with the right materials is essential to creating fiscal soundness. A good credit rating affects buying a home, getting insurance and even getting a good job. So, how can you improve your credit? This webinar will teach you how to: Find out the myths about credit cards Achieve debt consolidation Overcome fear in today’s economy Differentiate “good credit” and “bad credit” Still get a loan

Date: Wednesday, February 25, 2009 Time: 8:00pm - 9:00pm EST Location: A computer and telephone are all you need to join the webinar Cost: *F*R*E*E* RSVP: Click here to register online. About our speaker, Jacqueline Frank: Jackie is a Mortgage Loan Originator with Guaranteed Home Mortgage for 15 years. She works with individual home owners to refinance and prospective buyers obtain mortgage financing. She lives and works in Manhattan and Long Island. Guaranteed Home Mortgage is based in White Plains, NY. Financial Blessings, Nisha E.

February 9th, 2009 by Esswi

Excerpted from www.freebudgetkit.com

Jennifer Openshaw ask you to Build Your Financial Future Now!

Why Budgeting Matters

Why does budgeting matter to your financial future?

Retiring Right
Eliminating Debt
Avoiding Arguments
Covering the True Necessities
Reaching Life Goals

For many, the word “budget” brings to mind a dull life of scrimping and saving. But it doesn’t have to be that way at all. A budget is really a spending plan that serves as a solid financial foundation upon which you will be able to realize your financial dreams.

Today, families and individuals all across America are having to do more with less financially. Daily money issues leave us stressed, often creeping into our relationships. We work hard and then wonder what we’ve gotten for all of that hard work. Where has our money gone?

Virtually every company in America operates by a budget. Managers develop plans for how they’ll spend company dollars, whether it’s on supplies, staffing, or marketing a product. As the CEO of your household, you need to build the same budget, too. And it doesn’t have to be hard, really.

Financial Blessings,

Nisha E.

February 4th, 2009 by Esswi

BY DAVID SALTONSTALL
DAILY NEWS SENIOR CORRESPONDENT

What’s in the package?

“Everything and the kitchen sink,” said Barry Bosworth, an economist at the Brookings Institution, only half-jokingly.

The total price on Obama’s package is a whopping $819 billion, of which $211 billion will pay for new tax cuts. The remaining $608 billion is government spending.

The shopping list is long and varied: $43 billion for transportation projects, $19 billion in water projects, $21 billion for school modernization projects, $32 billion to fund a so-called smart electricity grid, $6 billion to bring high-speed Internet access to rural America and many, many more items that some call pork, others jobs.

On the tax side, the big ticket item is a $500-per-worker ($1,000 per couple) tax cut for two years for anyone making less than $100,000 a year ($200,000 per couple). The government would simply not withhold as much as it does now, leaving workers with an extra $20 a month or so in their paychecks.

The theory is that, while workers would stuff the money under the mattress if handed to them in a lump, they’ll spend it if it’s spread over 24 months in smaller chunks.

How will it help?

Obama has predicted his plan will create up to 4 million jobs over the next two years, much of it through huge increases in government spending on roads, bridges and other infrastructure.

That’s good for welders, bricklayers and anyone else in the construction trades, as well as engineers and other white-collar types dedicated to improving the electrical grid or boosting Internet services. And the money they can spend from their earnings will help the economy at large.

The money could also serve as job protection for many state and city workers, who right now face the prospect of layoffs as tax revenues plummet. A hefty $88 billion is intended to shore up Medicaid and the many health care jobs the program supports, and $4 billion in grants is earmarked to boost law enforcemen

Whom will it help?

Much of the stimulus package is weighted toward the working poor, a group Obama repeatedly vowed to help during his campaign. Workers who right now pay no income taxes, for instance, will be entitled to $1,000 per-child tax credits and other new benefits.

But there are other perks even for middle- and upper-income workers caught in the economic tsunami.

Couples making up to $160,000 a year, for instance, would be entitled to $2,500 in new tax credits to pay for college in 2009 and 2010.

And laid-off workers - no matter how high their previous incomes - will qualify for Medicaid under Obama’s plan.

Alternatively, if laid-off workers want to pay to maintain their health benefits under the Consolidated Omnibus Budget Reconciliation Act of 1986, better known as Cobra, the feds will pay two-thirds of the cost. Now, they pay none.

Financial Blessings,

Nisha E.

January 31st, 2009 by Esswi

[Directly excerpted from Woman's Day Magazine online]

Silver jewelry

This is going to have you scratching your head. The Silver Jewelry Club (silverjewelryclub.com) offers high-quality jewelry including silver rings, earrings, pendants and bracelets (most of them with genuine gemstones). It really is free, provided you pay the modest shipping charge of $5.99. We’re not talking junk here. As a consumer, your humble columnist, who is allergic to nickel silver, can attest to the remarkable quality of these pieces.

Why’s it free? Giving away jewelry is SJC’s way of introducing their products-they also sell their jewelry through wholesalers and stores. I have never received a single solicitation from the company.

Financial Blessings,

Nisha E.

January 31st, 2009 by Esswi

January 23rd, 2009 by Esswi

Did you know that Department stores are giving away free cosmetics as part of a settlement from a class-action suit that alleges price gouging by Department stores and big-name cosmetics makers.  Stores like Saks, Bergdorf’s, Bloomingdale’s, Lord & Taylor and Macy’s were some of those Department stores found gouging.  If you purchased cosmetics during the period of May 29, 1994 through July 16, 2003 from a list of products at the site listed below, you are entitled to one FREE cosmetic.

This is time sensitive: The giveaway began Tuesday, January 20, 2009 and runs through C.O.B. Monday, January 26th.

You can get products such as Chanel body lotion, Armani Code shower gel, Estee Lauder Advance Night Repair, Sarah Jessica Parker Lovely shower gel, Lancôme black mascara and lots more.  For a list of the line of cosmetics, go to http://www.cosmeticssettlement.com/.

The policy says, only one item per customer.  However, previous customers said that they have taken male friends with them who care less for cosmetics and have gotten free items for them.

Go check it out!

Financial Blessings,

Nisha E.

January 10th, 2009 by Esswi

Google 411 (1-800-466-4411)

January 10th, 2009 by Esswi

Mint.com is a free service that helps you manage your money.

According to the site, about 600,000 people are already enjoying the service which tracks about $50 billion transactions.

One of my most favorite feature of mint.com is that it gives you tips on a weekly basis and it makes recommendations based on your personal spending habits.  In less than a few minutes you can sign up and add your account information secured by their data security and visually track your spending pattern.  For example, it tells you how much money you spend on dinning for the last month or year while recommending ways to cut back or find other alternatives.  It even sets up a budget for you to save your money and help you do more with your money.

Mint.com sends you weekly emails with where your money is going, bill reminders & alerts,  investment performance while finding extra savings.  It even shows you a full picture of your assets and debts once you’ve accurately added the appropriate, respective accounts.  For example,  take a sneak peak of what my Weekly Financial Summary starts off with, excluding my personal financial information.

Your Weekly Summary

	Three Principles of Personal Finance Personal finance is simple. Spend less than you earn. Make the money you have work for you. Be prepared for the unexpected.

Mint.com even gives you a visual guide (graphs, charts, etc.) of your financial situation.  Check out the CEO, Aaron Patzer’s Demo on Mint.com.

This site keeps you in much closer contact with your money and a very close eye on your balance so that you are in less danger of over-drafting your accounts.

Did I mention, it’s FREE!

Financial Blessings,

Nisha E.