From Essence Magazine July 2010 edition — Earn up to $1,000 by selling your expertise. At justanswer.com you get paid to respond to questions on topics like law, parenting and education.

Enjoy!

Financial Blessings,

Nisha E.

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.

Consider doing away with paper statements that are mailed to your house on a regular basis. Not only will you save money on stamps, you will save time with your bills in order.  You will also be reminded of when your bills are due; meaning, no more excuses, no more late payments contributing to a low credit score.  Still wondering, how does going paperless save you money?

• Go paperless and get e-mail notification of your monthly statements.

Think about all the tress you will save every year by minimizing paper statements.  The earth will love you for that.  You gain from it as well, think about how much easier it will be for you to organize your statements.

TIP: Organize your paper and simplify your life with a digital filing system. Its PURPOSE: It organizes your important documents, receipts, statements and even your business cards.

For about $200, check out http://www.neatco.com.  For a lower price do a Google search for a neatco.com coupon.  According to Essence Magazine July 2010 edition, this NetReceipts mobile Scanner and Digital Filing System scans extracts data you can export to Quicken or Excel.  It states that “filing receipts for five minutes a day could put thousands [of money] in your pocket.”  Who wouldn’t want to take advantage of this?

To save money, search for a free digital scanning software on Google.com.  There are plenty of them available.

With a digital filing system or cabinet as some are called you can take your important, key documents anywhere you go.

Financial blessings,

Nisha E.

Financial Blessings,

Nisha E.

read 10 books, get one free!
WE DOUBLE-DOG DARE YOU!

If you’re 12 or under, you’re in!
• read 10 books—any ones you like* • list the books on this form
• bring your completed form to a Borders, Borders Express, or
Waldenbooks store and choose your FREE BOOK**

*No purchase necessary.
**Form must be completed and brought to any Borders, Borders Express, or Waldenbooks store by 8/26/10 to redeem coupon. Offer valid in-store only. Valid only on selected titles.

Financial Blessings,

Nisha E.

Track down your income-tax refund by going to www.irs.gov and click on “Where’s My Refund?”

Follow the three steps:

1. Enter your Social Security number
2. Enter your filing status
3. Enter the amount of the refund shown on your return.

According to Kiplinger’s Personal Finance, the site will confirm whether your return was received and processed and estimate when your refund will be in the mailed or deposited in your bank account.

The magazine estimate it will only take you three minutes.  Hey, its worth it.

So get to typing!

Financial Blessings,

Nisha E.

• You can sign up to get free email alerts of when your prices drops.
• You can also sign up to get free email alerts to claim a price protection refund (”Just because you couldn’t wait to buy doesn’t mean you still can’t save”).
• Have any questions, chat live online for answers.

Financial Blessings,

Nisha E.

Why not make your money work for you and take advantage of a high-interest free checking account nearest you.  Go to checkingfinder.com, put in your zip code and the site will shop around for the highest checking account interest rate nearest you.  It’s that simple.

Financial Blessings,

Nisha E.

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

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.