Little Rishi

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

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Wednesday, September 30, 2009
Free subscription to the COVER magazine
For a limited time, you can get a free subscription to the COVER Magazine, America's Source for Wholesale Merchandise. The COVER magazine is the leading business magazine for independent retail store owners, wholesalers, distributors and closeout buyers. It delivers business news and feature stories designed to improve the retailer's everyday business operations. Each monthly issue also provides hundreds of merchandise offerings from America's leading wholesalers, importers and manufacturers. Editorial coverage includes the latest industry news, trends, new products and marketing strategies that are invaluable to the independent retailer.

For details, check out:

COVER magazine

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posted by Little Rishi @ Wednesday, September 30, 2009   0 comments

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Tuesday, September 29, 2009
Free Microsoft Security Essentials antivirus, antispyware software
Microsoft is providing its Security Essentials anti-virus, malware/anti-spyware software for free. The software provides real-time protection against viruses, spyware, and other malicious software.

For complete details, see:

Microsoft.com: Free Microsoft Security Essentials


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posted by Little Rishi @ Tuesday, September 29, 2009   0 comments

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Monday, September 28, 2009
HSBC ExtraVantage® Checking business account: Get a Dell Mini 10v Notebook, or a $150 Staples gift card, or 30,000 credit card rewards points
Open HSBC ExtraVantage® Checking for Business account by November 13, 2009 and you can get a Dell Mini 10v Notebook, or a $150 Staples gift card, or 30,000 credit card rewards points. The account has no maintenance fee for 12 months if opened by November 13, 2009 (fee is $25 per month after that, or you need to have $25,000 balance in your account to avoid the maintenance fee).

Other features include:

- Dedicated relationship manager
- 750 free monthly checking transactions
- Free Business Internet Banking and Online Bill Pay
- MasterCard BusinessCard® card with a 0% introductory APR

Among the documentation required to open the account, you need articles of incorporation or Memorandum & Articles of Association but I called the bank and they told me that even sole proprietors can open this account. However, you need to provide the county's Trade Name form at the time of opening the account.

For complete details, see:

HSBC.com:

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posted by Little Rishi @ Monday, September 28, 2009   0 comments

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Sunday, September 27, 2009
Weekend Quote - Start
You don't have to be great to start, but you have to start to be great.

- Joe Sabah


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posted by Little Rishi @ Sunday, September 27, 2009   0 comments

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Saturday, September 26, 2009
Weekend Quote from a Book - The Law of Cause and Effect
If the law of cause and effect were better understood by more people, this world would be a much happier place to live in. To many people, 'you reap as your sow' is merely a proverb learnt in school. They fail to realize that it is a principle of life. So they go about doing as they please, unmindful of the reaction of others. Then they suffer the penalty for their behaviour, yet many of them refuse to accept this as a direct consequence of their own previous actions.

- Source: Achieve Success and Happiness

by Arthur P. Pereira

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posted by Little Rishi @ Saturday, September 26, 2009   0 comments

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Wednesday, September 23, 2009
How to protect yourself from scams during foreign trips
HowStuffWorks.com article discusses the 5 common scams tourists fall for:

1. Scammers posing as fake police officers and going through your wallet to check for counterfeit bills, and stealing some bills in the process.

2. Creating a distraction and then stealing your wallet

3. Money changing errors, with cashiers handing you back less cash that you were supposed to get.

4. Unscrupulous cabbies who may drop a large bill you handed them and then claim that you gave them a smaller bill.

5. Acting as a good samaritan, and doing things like taking you to a ATM machine and then trying to steal your PIN.

I myself have fallen victim to an unscrupulous cabbie while in Spain. The cabbie took me from airport to the hotel, and when we reached at the hotel, he kept manipulating the meter until the price was almost twice of what the taxi meter was showing previously. I asked him about the change in price in English but he kept replying angrily in Spanish. Frustrated, I just gave him the money (36 Euros instead of 20 Euros which was the normal rate as I found out later). Going forward, to avoid such unpleasant incidents, I made sure to check with the local hotel employees (who knew English) about the expected taxi fare. While returning back to the airport, I asked the local cabbie ahead of the time regarding the fare to the airport, and took it only after his rate was reasonable.

For complete article:

HowStuffWorks.com: 5 Scams Foolish Tourists Always Fall For
posted by Little Rishi @ Wednesday, September 23, 2009   0 comments

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Sunday, September 20, 2009
Weekend Quote - Change
It is a mistake for anyone to think he has lived too long in his old, unsatisfactory ways to make the great change. If you switch on the light in a dark room, it makes no difference how long it was dark because the light will still shine. Be teachable. That is the whole secret.

- Vernon Howard


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posted by Little Rishi @ Sunday, September 20, 2009   0 comments

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Saturday, September 19, 2009
Weekend Quote from a Book - Needs versus Wants
After a couple of years running the shop, I couldn't understand how my personal budget could be such a waste of time, while my business budget worked like a charm. I discussed the situation with Old Mr. White. I'll never forget his reply. 'Roy, my young friend,' he said, 'a business only has to budget for needs. It's in the best interest of the business to limit those needs as much as possible. An individual, on the other hand, must budget for both needs and wants. It is a rare person, who can do that successfully because, for too many people, a want becomes a need.'

"And it's so true! Did I need a new car in my second year of business, or did I just want one? Cathy, did you need to get away to Europe last winter, or did you just want to? Tom, did you need, or just want, the best stereo available? It's human nature to spend our entire disposable income and to rationalize all those expenditures as needs."

- Source: The Wealthy Barber

by David Chilton


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

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posted by Little Rishi @ Saturday, September 19, 2009   0 comments

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Thursday, September 17, 2009
The high cost of procrastination
To cut down on impulse spending, it is often recommended that we postpone the purchase to let us decide whether we still want to buy that thing after a few days have passed. Lot of times, we find out that we don't really care much for that thing any more after a few days time. However, one area where postponement can cost a lot is when it times to start saving for retirement. The reason is that one of the main drivers in determining how much we end up accumulating by the time of our retirement is how long we let the money grow. Thanks to the magic of compound interest, the sooner we start saving, the more we can accumulate even if we start with a small amount.

To highlight the magic of compounding, consider the example of two friends: John and George who both turned 25 years on January 1, 2009. Assume both had zero net worth at that point. John decides to take action and starts contributing $2,000 on Dec 31, 2009 to his retirement account. John continues to contribute $2,000 every December for next 10 years until he reaches 35 years of age at which point he stops contributing any more funds into his account. So from age 25 to 35, he made a total of 10 contributions of $2,000 each, for a total of $20,000. Assuming, the retirement age is 70 years, and his account earned a 5% return annually, his original contributions of $20,000 will grow to approximately $138,760 at age 70.

George, however, believes in living a high life of spending rather than saving, and does not get around to saving until he reaches 50 years of age. At that point, he starts making $2,000 contribution to his retirement account every December for next 20 years until he reaches 70 years of age. So his total contributions were $2,000 * 20 = $40,000. Assuming he also earns 5% return annually, he will have approximately $66,132 at age 70.

So even though George contributes twice the amount ($40,000 versus $20,000 contributed by John), his retirement fund is worth only $66,132 compared to John's whose fund is worth $138,760 at age 70, or approximately 48% of John's amount.

In the above example, the rate of return used was 5%; the worth of the retirement account for both of them would have been more if the rate of return had been higher. Similarly, if John or George has started saving at earlier age, their worth would have been more.

The example may be simplistic and may not consider all the factors but it does show the magic of compounding. George contributed twice the amount of what John contributed, yet his retirement account is worth less than half of John's at age 70. And the reason for this vast difference is the amount of time for which we let the money grow or compound. Too often we all find reasons for why not to save, however, as the example shows even small amounts can grow to a significant amount if saved earlier in life.

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posted by Little Rishi @ Thursday, September 17, 2009   0 comments

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Wednesday, September 16, 2009
The Achievers: Christophe Cremer - Profiting from every day problems
This is an old BusinessWeek article that discusses the achievement of entrepreneur, Christophe Cremer, who founded the the Paris-based online mortgage broker, Meilleurtaux in 1999. Although similar online-mortgage application sites like E-LOAN had already existed in the US, when Cremer tried to launch one in Paris, he received cold reception from his banks. Regardless, Cremer moved ahead and his site soon became popular, making it easy for him to convince banks to partner with his firm.
"I showed them the site was getting over 40,000 applications a month and that it wouldn't be profitable for them not to work with us," he says.
Cremer got the idea of starting his firm from his brother-in-law who had shopped with just two banks when applying for a mortgage as he found the application process very boring and tedious. That conversation with his brother-in-law sparked the idea in Cremer to start his own firm.
"I thought, this is something the Internet could do," Cremer says. His idea works in the banks' favor, too, because "rather than doing 10 meetings and getting one customer, they can do two meetings and get two customers."
The article shows how entrepreneurs from all over the world get ideas to start their businesses by listening to and observing every day problems faced by others, and then finding ways to solve those problems. As happens in most cases, others initially don't buy into their visions but successful entrepreneurs generally do not give in and forge ahead anyways, and in the process, often achieve tremendous success.
"Meilleurtaux, operated by parent company Omnigain (MEX.PA), brought in revenues of more than $65.3 million last year, a 74% increase over 2005, and has now begun opening brick-and-mortar branches -- some 52 already in France, plus 60 franchises that sell insurance and provide mortgage refinancing services. It was the first company to be listed on Alternext, a trading market for small and midsize firms, in 2005, and soon graduated to the bigger Eurolist in October, 2006."
For complete article, see:

BusinessWeek Online: Online Mortgage Rates? Ooh-la-la...

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posted by Little Rishi @ Wednesday, September 16, 2009   0 comments

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Tuesday, September 15, 2009
Free magazine: Golf Digest
For a limited time, RewardsGold is offering a free annual subscription to Golf Digest.

For details, check out:

RewardsGold: Golf Digest magazine

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posted by Little Rishi @ Tuesday, September 15, 2009   0 comments

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Sunday, September 13, 2009
Weekend Quote - Luck
I've found that luck is quite predictable. If you want more luck, take more chances. Be more active. Show up more often.

- Brian Tracy


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posted by Little Rishi @ Sunday, September 13, 2009   0 comments

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Saturday, September 12, 2009
Weekend Quote from a Book - Tithing and Cancer Prevention
There's a man alive today enjoying life and health who probably would have died from lung cancer if he hadn't listened to one of my messages and made a decision. He and his wife left church that morning and decided they were going to tithe. They looked at the money they had and they said, 'There's no way we can get by'. But then he looked at his wife, and she looked at him and said, 'If we tithe, the only way we can get by is if we cut something out of our life that we're spending money on now.' He replied, 'But there's nothing we're spending money on that we can cut out.' She said, 'Unless we quit smoking.'
...............
They quit smoking and he later shared with me, 'I believe that God has prospered me by tithing, and He has probably protected both my wife and me from lung cancer.'

- Source: Be an Extraordinary Person in an Ordinary World
by Robert H. Schuller


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posted by Little Rishi @ Saturday, September 12, 2009   0 comments

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Friday, September 11, 2009
Free magazine: Forbes
For a limited time, RewardsGold is offering a free annual subscription to Forbes.

For details, check out:

RewardsGold: Forbes magazine

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posted by Little Rishi @ Friday, September 11, 2009   0 comments

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Wednesday, September 9, 2009
Free magazine: BusinessWeek
For a limited time, RewardsGold is offering a free annual subscription to BusinessWeek.

For details, check out:

RewardsGold: BusinessWeek magazine

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posted by Little Rishi @ Wednesday, September 09, 2009   0 comments

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Sunday, September 6, 2009
Weekend Quote - Thought and Action
By thought, the thing you want is brought to you; by action you receive it.

- Wallace D. Wattles


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posted by Little Rishi @ Sunday, September 06, 2009   0 comments

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Saturday, September 5, 2009
Weekend Quote from a Book - Fool's Gold
Many people, low-income wage earners to high-income wage earners, are in financial trouble because too much of their money goes to buy things that glitter. We have all heard of poor kids spending $150 for a new pair of name-brand athletic shoes. On my inspection tours of apartment houses I am interested in buying, I always find name-brand screen TV sets and video games in many of the apartments. I have friends who live in name-brand suburbs, drive European cars, and send their kids to private schools. In other words, when you look at their expense and liability columns, they are awash with glitter.

- Source: Rich Dad's Prophecy: Why The Biggest Stock Market Crash in History is Still Coming...and How You Can Prepare Yourself and Profit From It!

by Robert T. Kiyosaki with Sharon L. Lechter


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posted by Little Rishi @ Saturday, September 05, 2009   0 comments

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Friday, September 4, 2009
$100 Visa gift card for Green Bank checking account
For a limited time, GreenBank (member FDIC) is currently offering $100 Visa gift card for opening a personal checking account, including its Simply FREE CheckingTM account which has no minimum balance and monthly maintenance fee. To get $100, you need to register for the offer, open the account, and set up and receive at least two direct payroll deposit of $100 each within 60 days of account opening.

You can also get $50 for referrals, and up to $25 for your old check pads and check cards. According to GreenBank's Web site:
When you open your new account at GreenBank we will pay you for your old check pads and check cards, $2.50 each - up to $25!
The bank is also offering the $100 Visa gift card on its Business Checking. To get $100, you need to register for the offer, open the account, and make at least one Business Check Card purchase and one online BillPay of at least $100 within 45 days of account opening.

For complete details, and terms and conditions:

GreenBank: Checking Account offer

GreenBank: Registration for $100 Visa gift card offer

GreenBank: $50/person referral offer


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posted by Little Rishi @ Friday, September 04, 2009   0 comments

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Thursday, September 3, 2009
$100 for free BB&T Bank checking account
For a limited time, BBT Bank is currently offering $100 for opening a free checking account with no minimum balance and monthly maintenance fee. To get $100, you either need to set up and receive direct payroll deposit within 60 days of account opening, or make 3 online payments within 60 days of account opening. Enter promotion code AFAAP at the time of account opening at BBT.com. Account must be opened by 10/31/2009 but the offer could be withdrawn earlier as well.

For complete details:

BBT: $100 Checking Account offer


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posted by Little Rishi @ Thursday, September 03, 2009   0 comments

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Wednesday, September 2, 2009
Amazon.com survey panel: Chance to earn $50-$100 in Amazon.com gift certificates
Sign up for Amazon.com survey panel and get a chance to participate in Amazon.com user research studies. If selected, you can earn a $50 to $100 Amazon.com gift certificate for your time and effort. Still have questions? Please see our frequently asked questions page (FAQ) or contact usabilitygroup@amazon.com for more information

For join the panel and other details, see:

Amazon.com survey panel

For other free paid survey panels, see:

Free Paid Survey Panel: PineCone Research

Free Paid Survey Panel: HCD Survey Panel

Free Paid Survey Panel: Amazon.com Survey Panel

Free Paid Survey Panel: RewardPort

Free Paid Sites


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posted by Little Rishi @ Wednesday, September 02, 2009   0 comments

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Tuesday, September 1, 2009
$75 Visa gift card for timeshare phone presentation
Interested in learning about vacation ownership? You have a chance to get $75 Visa card for completing a 30 minute telephone overview with a Marriott Vacation Club Sales Executive. Meetings can be scheduled till 9/7. Excludes residents of LA, MT, NE, ND, OK, RI, SD, WV, and U.S. possessions, territories, overseas military installations in foreign countries.

For complete details, see:

MarriottVacationClub.com

MarriottVacationClub.com: Details of Participation

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posted by Little Rishi @ Tuesday, September 01, 2009   0 comments

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Favorite Quote
"Work is worship".
                - Author Unknown
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