Little Rishi

.....a blog about personal finance, motivational stories, deals, and special offers

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Tuesday, April 28, 2009
Free 5x7 paper greeting card and shipping from Hallmark
Hallmark is offering a free 5x7 paper card for mothers. Use coupon code CARD4MOM at checkout.

Hallmark.com: Free 5x7 card
posted by Little Rishi @ Tuesday, April 28, 2009   0 comments

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Sunday, April 26, 2009
Weekend Quote - Our Actions
What we have done for ourselves alone dies with us. What we have done for others and the world remains and is immortal.

- Albert Pine
posted by Little Rishi @ Sunday, April 26, 2009   0 comments

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Saturday, April 25, 2009
Free Sample from Walmart - Nivea Touch of Happiness Body Wash
For a limited time, Wal-Mart is offering a free sample; see:

Free Sample - Nivea Touch of Happiness Body Wash
posted by Little Rishi @ Saturday, April 25, 2009   0 comments

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Thursday, April 23, 2009
Provide job lead, get $5,000
Antoine Saidy, an unemployed Canadian, is offering $5,000 to any person who provides a job lead that results in him getting a job.
He has a graduate degree in political science and economics, and is multilingual, with speaking abilities in English, French and Lebanese Arabic. It's not clear from the article whether the reward is in Canadian or US dollar, but with

For complete article, see:

UPI.com: $5G reward up for job lead that pans out
posted by Little Rishi @ Thursday, April 23, 2009   0 comments

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Tuesday, April 21, 2009
Job leads for Customers Service Representatives: openings at Verizon Wirelss
Verizon Communications Inc. is planning to hire 250 customer service representatives (CSR) at its call center in Hanover, MD. The firm has has 80 immediate job openings, and is also holding a job fair on April 25 from 9 a.m. to 1 p.m.

For details, see:

Washington.Bizjournals.com: Verizon to hire 250 in Maryland

Verizon: Careers Home
posted by Little Rishi @ Tuesday, April 21, 2009   0 comments

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Free Cone Day - Ben & Jerry's (April 21, 2009)
Ben & Jerry’s is giving away free scoop of ice ceam today between noon to 8:00 pm.

For more info and participating shops, see:

BenJerry.com: Free Cone Day

BenJerry.com: Scoop Shop Locator
posted by Little Rishi @ Tuesday, April 21, 2009   0 comments

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Monday, April 20, 2009
Job leads: over 1000 open positions at Booz Allen Hamilton
Acording to NBCWashington.com, Booz Allen Hamilton is hiring over 1,000 people in the fields of IT, research, project management, change management and other.

For details, see:

Jobs 4 You: Booz Allen Hamilton Hiring

BoozAllen.com: Careers
posted by Little Rishi @ Monday, April 20, 2009   0 comments

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Free magazine: Forbes and Metropolitan Home
For a limited time, RewardsGold is offering free subscription.

For details, check out:

RewardsGold: Forbes and Metropolitan Home magazine
posted by Little Rishi @ Monday, April 20, 2009   0 comments

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Sunday, April 19, 2009
Weekend Quote - Success
Success is the sum of small efforts, repeated day in and day out.

- Robert Collier
posted by Little Rishi @ Sunday, April 19, 2009   0 comments

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Saturday, April 18, 2009
Quote from the book: Behavior
Good behavior when rewarded will be repeated. Bad behavior when ignored will be repeated. Ignoring the behavior is the reward.

If your kid throws a ball in the living room and breaks a lamp and nothing happens, the chances are very good that your kid will continue to throw the ball in the living room.

If a company delivers bad service, yet people continue to spend their money with that company, then there is no consequences for the company and the bad service will continue.


- Larry Winget, author: People Are Idiots and I Can Prove It!: The 10 Ways You Are Sabotaging Yourself and How You Can Overcome Them


Note: I am an Amazon.com affiliate. Please also see Disclosures and Disclaimer

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posted by Little Rishi @ Saturday, April 18, 2009   0 comments

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Friday, April 17, 2009
Job leads for IT professionals: openings at Lockheed Martin
For people who are in the IT field, according to Washington Business Journal, Lockheed Martin is looking to hire about 160 people as part of its contract with Social Security Administration (SSA). These positions are located in Woodlawn, Maryland which is close to Baltimore.

For details, see:

washington.bizjournals.com: Lockheed Martin adding 160 jobs in Woodlawn

LockheedMartinJobs.com: Lockeed Martin Careers
posted by Little Rishi @ Friday, April 17, 2009   0 comments

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Free magazine: Parents
For a limited time, RewardsGold is offering free subscription.

For details, check out:

RewardsGold: Parents magazine
posted by Little Rishi @ Friday, April 17, 2009   0 comments

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Wednesday, April 15, 2009
Just a thought: how to spur executives into quick action?
Nothing spurs executives into quick action than doing things that will help them increase their compensation. Witness the stock offering by Goldman Sachs yesterday to help pay back the TARP money since that placed limits on their ability to pay their executives. Would Goldman and other firms have done the same stock offering, if instead of the executives, it was the salary of rank and file? Just a thought.
posted by Little Rishi @ Wednesday, April 15, 2009   0 comments

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April 15 - Free cookies for taxpayers from Subway
To "celebrate" the April 15 tax day, several Subway stores in Boston, Phoenix, New York and other parts of the country are giving away free cookies.

For details, see:

Boston.com: Free cookies!

Speakupwny.com: Subway helps ease the pain for taxpayers with a free cookie on April 15

Phoenix Business Journal: Subway offers free cookies on tax-deadline day
posted by Little Rishi @ Wednesday, April 15, 2009   0 comments

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Tuesday, April 14, 2009
What to do if you cannot pay your taxes in full by April 15 deadline?

As I mentioned in my yesterday's post, we requested an extension to file taxes this year. In our case, we didn't have to send any payments as we are expecting a small refund. However, if you owe IRS money, it's good to pay it by April 15th deadline to avoid fees such as interest and penalty charges. If you cannot pay the full amount of taxes you owe, one available option is to fill out Form 9465 to request a monthly installment plan which can give you up to 60 months to pay. The IRS usually lets you know within 30 days whether your request has been approved or denied. However, be aware that setting up the monthly installment plan carries a fee which is currently up to $105 depending on your method of payment as shown in the above figure (Source: IRS Form 9465).

For complete details, see:

Form 946
IRS

Disclaimer: I am not a tax advisor or a financial expert. The purpose of my writings or this web site is not to give any tax or financial advice nor make any recommendations. This site is just a blog of my activities, interests and thoughts, and the information on this site is only meant for entertainment purposes. You should always consult your attorney, accountant or other tax professional to discuss your specific situation.
posted by Little Rishi @ Tuesday, April 14, 2009   0 comments

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Monday, April 13, 2009
Filing for the tax extension
Since I needed more time to do my taxes, I recently filed for a tax extension. To do so, just had to file Form 4868. It required me to fill out our estimated tax liability along with the total tax payments (withholdings). In my case, I filed for the extension electronically free using TaxAct's website. I didn't have to provide any payments as I estimated that we will be due some refund but you can provide the banking information in case you owe IRS money and want to allow IRS to withdraw the money from your bank account. It's important to know the getting the extension to file taxes late doesn't extend the deadline for making any payments beyond April 15th deadline, otherwise the IRS will be imposing additional penalties.

For the state taxes, I just went to our state's Web site and requested an extension electronically although I didn't even have to do that since my state automatically grants extension if we file for federal tax extension. The entire process of filing for federal and state tax extensions online took under 10 minutes, so it was a pretty quick process and gives me till Oct 15 to file my taxes.

For links to different state's taxsites for filing tax extension via your state's Website, see:

Links to different state's tax sites

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posted by Little Rishi @ Monday, April 13, 2009   0 comments

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Sunday, April 12, 2009
Weekend Quote - Life
Almost everything in life is easier to get into than out of.

- Agnes' Law

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posted by Little Rishi @ Sunday, April 12, 2009   0 comments

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Friday, April 10, 2009
St. Jude Novena - a good prayer
Came across St. Jude Novena accidentally when I saw it in a newspaper a while back. The prayer needs to said 9 times a day for 9 consecutive days for the fulfilment of your wishes. You need to publish it afterwards. Have used it a few times and found the wishes to have true. Decided to publish it on my own blog as a thank you and for use to other people who may want to give it try; here it is:
May the Sacred Heart of Jesus be adored, glorified, loved and preserved throughout the world now and forever.
Sacred Heart of Jesus, pray for us.
St. Jude worker of miracles, pray for us.
St. Jude helper of the hopeless, pray for us.
posted by Little Rishi @ Friday, April 10, 2009   0 comments

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Free Adobe® Flex™ Builder for the unemployed, students and faculty
After Walgreens, which is offering free access to its health clinics through the end of 2009, Abode Inc has become another company to come up with a free offer for the unemployed. The company is offering Adobe® Flex™ Builder 3 Professional free for unemployed developers. According to its Web site, the offer requires you to attest to the following:
I attest that the following statements are true:
1) I am not currently employed or being paid to develop software applications or web pages
2) Adobe Flex Builder 3 Software I receive under this program is for my personal use to learn about Adobe Flex and improve my skills
3) My license to use Flex Builder 3 under this program will not be used for production or commercial purposes, nor will it be transferred to any other person or entity, including to my employer should I become employed.
The company is also offering free Flex Builder 3 Pro software for students and faculty.

For people who don't fall under either category, Adobe does offer free 60-day trial of Flex Builder.

While this offer may not mean much to most people, this is a good deal for developers who create Flash-based, interactive files which frequently appear as widgets on many sites. Adobe Flex Builder is one of the leading tools for creating such interactive widgets.

For details of these offers, see:

Free offer for the unemployed: Adobe® Flex™ Builder 3 Professional for unemployed developers

Free offer for Students/Faculty: Adobe® Flex™ Builder 3 Pro for Education.

Free 60-day trial: Adobe® Flex™ Builder 3
posted by Little Rishi @ Friday, April 10, 2009   0 comments

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Wednesday, April 8, 2009
Free Sample from Walmart - Gillette Shampoo
For a limited time, Wal-Mart is offering a free sample; see:

Free Sample - Gillette Shampoo
posted by Little Rishi @ Wednesday, April 08, 2009   0 comments

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Sunday, April 5, 2009
Weekend Quote - Life
Life's like a boom-a-rang. The more good you throw out, the more you receive in return.

- Josh S. Hinds
posted by Little Rishi @ Sunday, April 05, 2009   0 comments

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Saturday, April 4, 2009
Getting your student loans canceled
Just read a readers question on the Wall Street Journal regarding various government programs that can result in forgiveness of up to 100% of Stafford or Perkings student loans. The waiver is designed for teachers and people in certain occupations working in the non-profit or public sector. According to the WSJ article, the government can even cancel up to $17,500 in Stafford loans. The requirement is that you have to be a teacher who teaches in qualifying high-need schools for five consecutive years.

Similarly, the 2007 College Cost Reduction and Access Act discharges any student loan debt remaining after 10 years of full employment in public service if the loans are made through the government's Direct Loan program.

More info can be found by contacting US Department of Education (1-800-FED-AID) or by visiting the Website: FinAid: Loan Forgiveness

For complete article, see:

WSJ.com: Programs to Forgive Teachers' Loans
posted by Little Rishi @ Saturday, April 04, 2009   0 comments

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Friday, April 3, 2009
What happens to your FLSA if you lose your job?
With many people losing their jobs, one of the questions that comes up frequently is what happens to the health-care flexible spending account (FLSA) contributions. The good thing is that, unless your firm's plan is written in more restrictive way, in most cases you get to use the entire amount you elected in the previous year even though you got laid-off before you had made contributions in that amount. For eg, if you had elected to contribute $6,000 in 2009 health-care FLSA but had only contributed $1,500 through Mar 31, 2009 and got laid off, then you still can use the entire $6,000. The only caveat: you must have used the entire $6,000 by Mar 31, 2009. So if you had charged $2,000 till Mar 31, 2009, that's all you can charge to the FLSA even though it is $500 more than your contribution. However, you can't spend the remaining $4,000 (=$6,000 elected contribution amt - $2,000 you spent through Mar 31, 2009) over the Apr - Dec 2009 period since you lost your job on Mar 31, 2009.
There's good news and bad news about FSA contributions. On the bright side, you can use the full $2,400 for eligible medical expenses at any time -- even if you lose your job before the year is over. "An employer cannot ask for the money back in most cases, unless the plan is written in a certain way, which is highly unusual," says Jody Dietel, chief compliance officer for WageWorks, which administers FSAs for many large employers. Ask your employer about the rules before you spend the extra money.

But you usually have to spend the money before you lose your job, or else you lose the remaining cash in the account. If you think that your job may be in jeopardy, this could be a good time to visit the dentist, eye doctor and pharmacist and to buy an extra pair of eyeglasses. You can submit the paperwork even after you lose your job, as long as you incurred the expenses before your termination. "There's typically a claims run-out period that gives you some extra time to submit eligible claims for reimbursement," says Kelly Traw, of Mercer, a health-benefits consulting firm.
The Kiplinger.com article discusses a way to extend FLSA contribution even after losing your job - using the provisions under the COBRA law.
There may be a way, however, to buy yourself some extra time to use the cash in the account. Some employers give you until the end of the month to use the money, or you might be able to sign up to extend your FSA benefits under COBRA - the same federal law that lets employees keep group health insurance for up to 18 months after they leave their jobs. Most companies with 20 or more employees are required to offer COBRA coverage, which also applies to money in flexible spending accounts. You don't have to use COBRA for health insurance to have COBRA coverage for your flex plan; they're separate from one another.

To keep your FSA open, you would continue making the same monthly contribution plus a 2% charge. So if you signed up to contribute $200 every month while working, you'll contribute $204 per month to keep COBRA coverage for your flexible spending account.
For complete article, see:

Kiplinger.com: What Happens to Your FSA If You're Laid Off
posted by Little Rishi @ Friday, April 03, 2009   0 comments

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Favorite Quote
"Work is worship".
                - Author Unknown
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