With June Jacobs, Origins, Burt’s Bees, and Claus Porto you can create your own spa at home for free of charge.  You can sign up at noon on the dates below and enter your chance to win one of the four baskets filled with skin and body products.

Go to allure.com/freestuff and log on to win.

Financial Blessings,

Nisha E

According to Yahoo News, as of late fall the stimulus program is offering anywhere between $50 to $200 to anyone who purchases high-efficiency household appliances.  This money is from President Obama’s economic stimulus bill passed this February.   According to the article, the details of the program vary from state to state.   With these new high-efficient appliances, not only can families expect to get great discounts, they can expect to save on the cost of energy which will in turn help stimulate the economy.  The best part is, there is direct NO TRADE-IN with appliances.

Financial Blessings,

Nisha E.

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.

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.