June 9th, 2010 by Esswi
Learn the basics of how insurance works and how it will benefit you and your family. Even learn about the type of insurance to avoid.
Go to Motley Fool.
It will answer whether or not you need insurance; what do you need insurance for; where can you purchase insurance; and what are the prices are reasonable for insurance.
Financial Blessings,
Nisha E.
October 2nd, 2009 by Esswi
Excerpted from The NY Post @ Work
Jet Blue is offering a “full refund on an airline ticket if [you] lose a job between the time of the purchase and the actual flight.” You must fill out a form and prove you lost your job.
Office Depot is offering “25 free one-sided copies” of your resume and will fax them to five places for free.
Walgreens is offering service at their in-store health clinics to a recently unemployed person and their “uninsured family members for free during certain hours.” The coverage is limited. They will not cover allergies, respiratory problems, skin conditions – checkups and vaccinations.
Pfizer is offering “more than 70 of its drugs [to those] who have lost their jobs after jan.1 and had been prescribed the pill three months before being laid off. That includes Viagra, by the way.” This offer extends to those who have lost their health insurance or experienced financial difficulty.
Bank of America is waiving monthly maintenance fees on checking accounts for folks who have been unemployed for three months.
June 12th, 2009 by Esswi
Make Your Own Coffee (Save between $540 to $1,500 annually)
Negotiate lower Credit Card Rates
Compare major services such as phone, cable, cell phone service
Monitor Accounts
Change filter on Air Conditioner (Conserve Energy and Save Money)
Join an online DVD rental service. If you’ve already tried you library, check out Blockbuster or Netflix (netflix.com)
Adjust your Insurance policies and save between 15 to 30%
Get more out of Banking: Try internet banks such as, ingdirect.com, etrade.com, hsbcdirect.com and make your money work your by yielding more interest on every penny you save.
Conserve energy and money by using less energy. Consider fluorescent light bulbs and changing the filter on your air-conditioning and heating system.
Cut back on personal costs. Consider beauty schools to get your spa treatments, nails and hair care. Also, consider dental schools to get your cleaning and annual checkups if you do not have any insurance.
Financial Blessings,
Nisha E.
April 19th, 2009 by Esswi
You saw Right. You can get two pairs of eyeglasses and a free eye exam for only $69.95. And kids have an even better package; they get one eye ware with a one year protection plan where one pair is $10 and two is $15. If you can beat that, please share ;).
America’s Best Contacts & Eyeglasses has disposable contacts for as low as $12.49.
If you chose to join the Eyecare Club, you can save even more. If you chose, pay $99 for a 3-year plan (a savings of $512) and $139 on a 5-year plan (a savings of $899).
Check them out. Call 1-800-TWO-PAIR (896-7247) or go to TWO PAIR.
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
Pay one co-pay instead of three. If you take a prescription medication on a regular basis, ask your doctor to write a three month prescription instead of one. Why pay three co-pays when you can only pay for one. Save 1/3rd to 2/3rd by purchasing 90-day prescriptions.
Financial Blessings,
Nisha E.
January 31st, 2009 by Esswi
There are many advocacy groups that offer free screenings, such as, pap smears and breast exams. For skin cancer exams, go to (www.Melanomamonday.org) or call (800) CDC-INFO (800-232-4636) at The Center for Disease Control and Prevention. For a list of numbers and information for free and low-cost screening, visit Jim Miller’s site at www.savyseniors.org (information not only for seniors). He also suggests you go to www.legsforlife.org or call 800-488-7284.
Financial Blessings,
Nisha E.
January 31st, 2009 by Esswi
Save on Dental services at local specialized schools. If you do not have dental insurance, check out your local dental school where you can get most of your dental needs fulfilled at a reduced cost. Call in advance for an appointment block out about two hours for an exam. Do a search on Google or the Yellow Pages for listings near you.
Don’t be too concerned about the quality of work. The students who perform these services are about to graduate (not first-year students) and all services are supervised by licensed instructors (you can always check the schools and instructors’ credentials for your peace of mind). According to Daily News 1/29/09 City Smarts’ spread, “[Dentists-in-training] need real people to practice on; thus, costs are heavily discounted (often by 50% or more)… Two of the best dental schools in NYC are (www.nyu.edu/dental/patientinfo) or Columbia (www.dental.columbia.edu/patients/sdosclinics.html) SAVES $75 for a cleaning, hundreds for specialized care.”
Financial Blessings,
Nisha E.
