Michael Jordan’s daughter Jasmine debuts Air Jordan ‘Heiress’ sneakers, and they’re awesome.

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Jasmine Jordan is starting with Air Jordans, but she’s got big plans for her future (Instagram/@mickijae)

Jasmine Jordan, the daughter of Michael Jordan, may not be a basketball player, but she’s part of the Jordan empire in her own way. Jasmine currently works as the Charlotte, North Carolina brand representative for her father’s Jordan Brand, and while she’s undeniably a Jordan, she’s working to carve out her own unique place in a world that will always associate her with her famous father.

Jasmine is starting somewhere familiar: with footwear. She’s created a new shoe for the Nike Air Jordan brand, and they are pretty much everything you could want in a sneaker. They’re called the Air Jordan XI “Heiress,” a more feminine interpretation of the Air Jordan XI.

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Jasmine talked about the shoe with Lauren Porter at ESSENCE, and one thing is clear: even though Jasmine is just 24, she knows exactly what she’s doing when it comes to sneakers.
“The Ones and the Elevens have always been my favorite Jordan sneaker,” youngest child of the world famous hooper and his ex-wife, Juanita Jordan told ESSENCE. “Our design team loved the fact that the Elevens are already an iconic shoe based off of my dad’s history with it. They wanted to create a more feminine design and give consumers an extended girl’s size. With this design, people get a shoe that’s elevated luxury and a holiday season shoe that is very elegant, clean and classy.”
“The almost black velvet material with that kind of diamond shine elevated the look to make the shoe more sleek and the all black is hit,” she added.

The kicks were apparently inspired by the famous “Little Black Dress” wardrobe staple, and it shows. They’re feminine without being ultra girly, and they’ve got some sparkle without being over-the-top blingy. They’re sleek and stylish and would work for the holidays or a night out.

Jasmine also talked about the “Heiress” brand name, and how she hopes it translates into more than just a name, but also a feeling that someone gets when they wear them.

“I just want to people to understand that as corny as it may be, anybody and everybody can be an Heiress. Heiress isn’t just true to it’s actual definition. In all actuality everybody can be an heiress because it is just another form of being a boss. You can just be yourself, take control and have independence. If I’m able to let people know one thing, it’s be whoever you are because you can claim it and own it. It is not hard but you gotta work for it,” Jordan explained to ESSENCE.

The shoes are $220 and would be available for purchase on Nike’s website if they weren’t completely sold out.

Though sneakers are her current project, Jasmine has ambitions far beyond footwear. She’s got big ideas and plans for the Charlotte Hornets, which is owned by Jasmine’s dad. She hasn’t revealed what those plans are just yet, but it’s a good bet that they’ll be seriously stylish.

How to save more for retirement

Retirement is one of the most important life events many of us will experience. Retirement planning is overlooking your finances now to financially support yourself later in old age. Your employer-sponsored 401(k) plan is here to release you from the burden of over thinking about future. It helps you to enjoy financial freedom in your golden years. Employers help to increase the contribution by employees and that ultimately funds employer’s retirement years.

Following steps would make you get the most out of your 401(k) plan

Start from the start: Making a slow and steady start is an ultimate win and you wouldn’t have to hurry in your late 40s. As soon as you get a job or get employed, start funding a portion of your salary to your 401(k) plan because you are only saving for your older and weaker self. People procrastinate more and keep actually investing the portion of it later.

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Think of other ways: If you are solely relying on your employer’s decision for your retirement savings, then you are not saving a lot. It shows that a good amount is being transferred to the fund but you are losing a handful of retirement money from other ways. If you had a late start to your job, don’t go slow, enhance your contribution rate. Set your goal at 10% for contribution including the company match.

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Right Options: If you are shown a brand new car and you don’t know the how-to thing. What is the first thing you are going to see? The Manual. But this is not what you do when it comes to making your future secure. Most of the employees are least interested in discussing any contribution rate, in fact, they do not want any deduction from their salary. They do not participate in any such meeting either.

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Review fees: Companies keep changing their fee structure that includes investment management fees and administrative costs. Pay attention to fee disclosure rules and then debate over anything you find inaccurate or worth discussing. Invest in a traditional or Roth IRA outside your 401(k), this way you would be able to make the right mix.

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Involve experts: If life is getting enough complicated and you don’t see it figured out by yourself, call for help! Help from the retirement advisers or experts. A 25-year-old person who have a lot of time to set retirement fund targets and goals but a 55-year-old would need to consult an adviser to get unmanaged things done like paying off mortgages, pension saving etc.

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Did you know these 7 things are taxable?

You need to be aware of that any money that is coming to you is taxable and it is surprisingly said by tax attorney Sam Brotman in San Diego. According to him everything you receive in form of money, IRS has right to tax it even the $10 you pick up from somewhere. He also mentioned that though these little money are taxable, people usually don’t declare them and hence tax Is not deducted from them. IRS would have to use more enforcement measures but that would cost the department more than the tax they would collect.

Here are the money items that you would be surprised to know are taxable

Employee Awards: There is some bad news for those of the best employees last year. The employee awards you receive for being a talented and extra ordinary employee are all taxable. Though gifts and achievement awards like gold, silver that are under $400, evade tax.

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Lawsuit Money: Winning a case is not a hundred percent good news while you may have to lose some money as tax. So all the settlement money awarded to you by court fall in taxable finance though tax accountability on that money is quite hard.

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Gambling Reward: Chicago’s tax attorney confirms the money won as lottery, gambling or betting is considered as income and so it is taxable. He also said that your gambling losses would be deducted against winnings.

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Alimony: It might be relieving to get money from your ex-spouse, but again that is taxable. There is relaxation in property or child support payments.

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Renting a room: According to IRS, if you are renting a room for more than 15 days, you are making it taxable so be careful while you rent any room on Airbnb next time. Keep your trip short.

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Found Money: Remember the $10 we discussed in the very beginning, that amount is taxable and its called treasure trove tax. Suppose you found an envelope of money, or any such thing in the car you brought you are taxed for that amount.

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Settlements: Just like money you get in a lawsuit or legal settlement, anything like that received as a settlement payment by gym, bank etc. for charging you extra is also taxable.

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Volunteering and how it can save you money

Volunteering is an amazing way to raise donation while help you save money. Isn’t it quite wonderful? It has some hidden benefits for both you and underprivileged. While keeping other resolutions in mind, add this to your list and see the wonders. Below you would find why you should actually donate your time.

Workout outside the gym: Volunteering could demand physical fitness or indulging in any such activities like shoveling snow, keeping rocks off the road or helping in home construction. You can have to burn calories without going to the gym. So skip gym and make lives better.

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To have good health: Research suggests that people who are into volunteering have lower rates of depression, anxiety and mortality. Their body functions better and they are more likely to stay fit in long run. It is highly recommended to older people as it keeps them busy positively and improves their health.

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Easy Networking: Going to events, parties or get together for the sake of specializing can cost you a lot. The good news is you can actually save what you are spending as paying for tickets, beverages and membership fees each month. By working toward a common cause you can actually make some real friends and meet people of your kind with paying anything.

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More Employment Opportunities: Future clients would value your efforts and experience in volunteering which would be added to resume. They appreciate people who go extra mile and gain experience in such welfare services so it’s a bonus added to your CV that could get you nearer to your dream job.

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More Travel at less cost: Traveling takes away large part of your savings and you cannot deny how much you like traveling. There’s some whole organization that helps volunteers get some space on board in exchange of the work they do for them.

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5 Amazing Tips for boosting your Credit Score In 2018

If you have a good credit score, you are more likely to get good terms regarding mortgages, car loans and credit cards. In short they get lesser interest rates, fees and more sign up bonuses. Make 2018 your year to shoot up your credit score and save money.

Though it wouldn’t be easy and all at once, but at least it can be done. You can control your credit score with just few ways that we are sharing.

Fix any errors:  Your first move towards boosting credit score would be finding any error in your credit score report. Get a free copy of your report and look for any suspicious entry like accounts you fail to recognize, any kind of payment you think you never made or any open account that was supposed to be closed. Hold an investigation in any such cases.

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More credit cards, more score: Getting new credit card would help you increase your credit score in such a mathematical tricky way for an instance you have $1500 in your credit card with the maximum limit of $3000, your utilization rate would be 50%. However, if you add another credit card of same limit your utilization would become 25%. Feel the trick? But you need to be careful in this to avoid unbalance.

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Large and frequent payments: Make large and multiple payments in a month that would enhance the score because each time you pay it takes a snapshot of your balance and the score gets down while lower balances gets your score up so making larger payments in more frequent shifts would risen credit score.

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Become Authorized user: Parents often make their child an authorized user so they can draw and cash money. This technique is found good for account holders, any payment done by authorized user makes their payment increase and so the credit score.

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Keep Balance and Simplicity: In order to keep your score maintained you need to balance everything, just make sure you keep an eye on all your stuff. To sum up, we can say if you are going to pay bills on time for a long time, keep balances low without applying for new credit, you are ultimately going to achieve greater score.

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Let these points resonate in your mind and make you act upon them, 2016 would be your year!

8 Simple Ways to Reach Your Money Goals

2016 is here with all the new blessings; it’s time to gear up for new you and reach your money goals.

Even if you have to pay off debt, buy new home, these expert financial tips would make you one step ahead in moving towards financial targets.

Write down your finances: Do simple accounting for your current assets and liabilities and make a chart to draw your savings to monthly. This way you would have clear idea of your spending and earnings and you can allocate specific amount to savings.

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Set Big Goals: Do not be afraid to dream big or follow them just because you think you are not capable of doing them. While you set your eyes on your goal, invest in both time and efforts and see what wonders it does. Do not stop believing in yourself.

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Take Small Steps: You cannot eat entire meal all at once or you’ll choke yourself. Similarly, there’s so magic wand or magic carpet to fly you to your dream goal, baby steps toward the monster goal is what confirms consistency and surety.

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Share with friends: Friends are supportive angels sent direct from heaven that share with you each and everything. Sharing your goals with pals would give extra amount of encouragement and amazing ideas that could helpful in long run. So open up about your dreams to your buddies and see what happen.

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Announce your goals: By sharing your goals on social media would give you more motivation and sense of responsibility to achieve them. Doing so will also hold you more accountable.

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Leave Bad habits: If you think eating out is more fun and skipping home food is okay then you need to realize you are wasting a lot of money you can actually save. Leave behind such habits and strive to be a better person.

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Seek Advice from Someone who’s traveled this journey: The best advice you can receive is from someone who has already accomplished what your seeking to do. Most people who have achieved success in have no problem sharing how they got there. Welcome their advice so you do not have to make the same mistakes.

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Money Diet: New Way To Save Money

Going on a money diet does not need a specific time of the year or any other condition, except for the summers as they come with a lot of spending moments e.g going on a vacation, shopping for weddings and beach trips. Money diet is very different to ‘food diet’, since it is about gaining money and not losing it.

There are some really easy successful money diet tips for you to try:

Eat healthy, eat on budget:

By food shopping, strictly stick to groceries. Eat at home. Avoid pizza delivery, meal takeaways and hotel meals. In case, you find candy man or ice cream vans, look away to crush the craving.

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Skip Shopping gigs:

While only window shopping, ladies are often caught buying scarves, headbands and accessories and such frequent little shopping gigs actually cost more than mega shopping.

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Part-time working:

Work part time for few hours to gain extra money and show consistency. Join a toy store costumed as a spider man or become a host for an Italian restaurant.

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Recycle at home:

Utilize free time at home and peek inside those used/unused stuff in backyard, go-down, old cupboards for some scrap and invest in some really cool DIY skills to create masterpieces that would both save you money and time for shopping outside. You can even do grocery shopping at home, consume some space in lawn and go green with home farm. While money dieting don’t go way too far to skip basic necessities like soaps and shampoos. These are the things of primary importance.

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Visit Library:

If you are a keen reader, go on read entire library and cut the cost of buying books. You can not only explore the world of books but enjoy some real free entertainment and get this amazing chance of socializing on budget.

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Try this crazy method called money diet and save dollars. You can thank me later 🙂

 

 

20 Things That Wealthy People Do

 

By  Tayon Mitchell

In a society where Darwinian evolution is so apparent and even aggressively pursued by some, talents can only take a person so far. He/She needs to do things without a moment’s pause so they can achieve success and sustain it as much as possible. In other words, one needs good habits.

Looking at 20 things that wealthy people do allow some of those who are striving to attain success to get a better grasp of what makes these rich people tick. Here is the list:

  1. Be positive. People who have made it in this world owe much of their success to a positive spin on things. Being positive keeps them motivated and eager to succeed in everything and anything they do.
  2. Budget. It should be common sense to spend wisely and to live within means. People living near the poverty line have, surprisingly, no clear idea how to make the most of the meager dollar.
  3. Gambling is strictly prohibited. Rich people create their own luck. Gambling is a risk they cannot afford to take.
  4. Keep TV and internet to a minimum. Only a small percent of those doing well financially spend more than an hour on TV or surfing the net. They would rather focus on more productive things.
  5. Read. Conversely, a huge majority of them read self-help books or real-life success stories. Educating one’s self is a good start to success.
  6. Go the extra mile. Success is tied up to the extension of effort, time, and energy a person can spend on work or business.
  7. Keep simple goals. This is a very critical factor in the life of successful people. It often makes the difference between what is merely a wish. Besides, it is so much easier to be motivated when the goals are attainable.
  8. Track progress. Tracking progress is related to keeping goals simple. It helps one get a true picture of what he needs to do to achieve his goal.
  9. Do not procrastinate. Nothing ruins a day like procrastination. One should make sure all is nice and tidy at the end of the day.
  10. Avoid toxic companion. This one is the complete opposite of the first habit. Toxic company destroys a positive outlook in life.
  11. Persist. Going the extra mile can be called tenacity when it is so much more. It is the ability to keep going when the things look bleak or when one commits a mistake.
  12. Look for a mentor. Having someone who has actually made it, is a big one. Plus, the mentor can steer a person away from nasty pitfalls and temptations.
  13. Keep emotions in check. Keeping a lid on the emotions is a common habit of wealthy and successful people. Effective solutions can only come from a calm and composed mind.
  14. Do volunteer work. More than doing something humanitarian, it allows an individual to build the right kind of relationships in this environment. The people involved here define what is going the extra mile and are very positive about things in life.
  15. Stop believing in bad luck. Being hardworking, persistent, and positive will eliminate “bad luck.”
  16. Believe. Believing in one’s self is a huge aspect in all things. Why attempt to do something when the effort will only be done half-heartedly? Believing in one’s self is the engine that makes people hum.
  17. Never give up. Dwyane Wade’s old commercial of falling seven times and getting up eight times nicely sums it all. It’s not about falling, it’s about getting up every time one falls.
  18. Exercise. A healthy body is a good way to get that brain clicking on all cylinders.
  19. Rest. Working like a dog plus adding a few extra miles should not get in the way of resting. A tired person is sluggish and can hardly think straight.
  20. Love Life. The biggest of all habits. It makes all the struggles and hardships all the more bearable and success so much more satisfying.