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g: 0 Posted By: remick
Views: 376 Replies: 0 http://www.amazon.com/Guidance-Creating-Your-Power-Attorney-eboo...


Lean how to create your own will and power of attorney forms to prepare for an uncertain tomorrow.
Written and edited by licensed attorneys.
No one wants to think of their own death. But it is important to plan for your family and other loved ones are provided for if anything should happen to you. Guidance On Creating Your Own Will & Power of Attorney can help you create your will (last will and testament) and power of attorney legal documents that you actually understand.

Wills and powers of attorney are not only for people who are at the age where death is not far away. People die at all ages. A will is needed if you have assets and property to be allocated to those you wish to benefit. A power of attorney can help fulfill your specific wishes if you are ever in a comma. Now is the time to think about creating your legal documents if you have not created them. If you have created them, make sure that your documents are current and reflect the changes in your life because the court will look to these documents as proof of your wishes. If you dont have them or they are missing, the court will apply state laws. These laws may not reflect your wishes, so make sure you look seriously at the making or updating of your documents at the earliest.

Sample Forms Include:

Wills

Last Will and Testament (for single and married couples)
Self-Proving Affidavits
Living Will
Power of Attorney

Healthcare"Durable
Financial"Durable
Minor Child Care"Limited
The Legal Self-Help Guide series provides information to those who want to understand their legal rights and responsibilities in an effort to resolve legal problems or know enough to feel confident in their decision to retain legal counsel. This Guide provides plain-English explanations as an alternative to the legal jargon that fills legal books.

Express Your Rights. At Peerless Legal we believe the law is only useful when people have the tools they need to understand their rights. Join us on our quest to make the law usable and accessible to anyone. Peerless Legal was founded with quality in mind. All of our products are created by a licensed attorney who believes in our mission to empower individuals by giving them the legal self-help tools to access legal information, make decisions, and engage the system. You can take part by turning information into actions.

No CDs | No Confusing Online Application Forms | No Monthly (Or Hourly) Fees

Save Time | Save Money | Make It Legal | Learn Basics

Youll discover how to:
ensure your possessions will be distributed as you wish,
authorize someone to act on your behalf regarding healthcare and financial matters if you become unable to make your own decisions,
reduce the potential family conflicts,
reduce stress and heartache for loved ones,
and specify funeral wishes,




also free


The Barefoot Retirement Plan: Safely Build a Tax-Free Retirement Income Using a Little-Known 150 Year Old Proven Retirement Planning Method That Beats The Pants Off Other Plans
http://www.amazon.com/The-Barefoot-Retirement-Plan-Little-Known-...
4.4 out of 5 stars 19 customer reviews)

The Barefoot Retirement Plan reveals a little-known, 150 year old proven retirement planning strategy that quite simply, beats the pants off other plans. Thats why many are calling this non-traditional plan, Americas Most Powerful Retirement Plan. Less than .01% have even heard of this patent pending plan. The rich have quietly been using variations of this plan for over a century. Large corporations, banks and financial institutions own hundreds of billions worth of these plans. The reason some of the brightest minds in the world invest so heavily in these strategies is because, they work!

If youre like the majority of Americans who have been faithfully following the mainstream traditional investment advice, and relying on your IRA (Individual Retirement Account) or 401(k) to reach your retirement goals, youre probably very concerned about having enough funds to last throughout retirement. 61% of Americans fear running out of money during retirement, more than they fear death. It doesn't have to be that way. This plan can help you to look forward to retirement, instead of dreading it.

Were giving away our custom retirement savings calculator for free. In our opinion, its the best retirement calculator out there. It visually shows you the power of this plan compared to your current retirement plan, IRA, ROTH, 401(k), etc. You can get your free Barefoot Retirement calculator at: BarefootRetirement.com/calculator

This is not just another boring financial book. Its written in laymans terms and you will find lots of images and charts to help you clearly grasp the concepts. This book will show you how you can create a retirement plan that offers:

100% tax-free retirement income
Life-time, tax-free, predictable income that lasts as long as you do
Single most powerful tax strategy thats legally allowed in this great country
Completely private and requires no reporting
Guarantees you will not lose money due to market declines
Liquid, flexible and easy to use
Creditor proof in most states
No investment restrictions
The best way to stock-pile cash and build wealth, tax-free and take less risk
No contribution limits, pending qualifications
No distribution penalties
Leverage options to earn TWICE on the same funds
Lowest fees you will find anywhere
Youll discover how this plan has much less risk than traditional plans

You will not find a better retirement plan anywhere!



When Can I Retire? How Much Money Do I Need to Retire?: The Ultimate Guide to Helping You Answer These Questions and Figure Out How to Retire Early
http://www.amazon.com/When-Retire-Much-Money-Need-ebook/dp/B00O6...
4.8 out of 5 stars (5 customer reviews)

Will your nine-to-five workday only end when your vitality is sapped, when your zest is completely gone, and theres nothing to look forward to but quietly dying in your bed? It doesnt have to be that way. Theres no reason to spend your whole active life tied up in the same unrelenting cycle of making money only to use it up without ever having really tasted it. You dont need to wait so long to schedule all the things you want to do at the very end of everything, when you are scarcely able to physically enjoy it. But that is the default, and that is where youre heading if you dont take decisive, certain action now. If you go with the flow and settle for only as much retirement planning as your workplace provides for you, youll have to adhere to their suggested retirement date, or stay on the job until you are ready to draw social security. If you want to something different, it is you who has to take the first proactive steps toward your own dreams. Nobody is going to do that for you. And the earlier you start, the better. This ebook will help you take charge of your work, your finances, and your future, enabling your retirement to begin the day that you say it does. You dont have to retire at age 65 just because Jack, Betty, and Susan are going to. This is your life, and you owe it to yourself to take control and plan it your way.

Here Is A Preview Of What You'll Learn...
Pros and Cons of Early Retirement
Taking Stock of Your Options
A Nest Egg to Fund Your Early Retirement
Watch it Grow! The Power of Compound Interest
Nontraditional Ways to Fund Your Early Retirement
Health Insurance and the Retiree
Pitfalls of Early Retirement Planning
Much, much more!



Retirement Solutions: Financial Strategies for Today's Retirees
http://www.amazon.com/Retirement-Solutions-Financial-Strategies-...
4.8 out of 5 stars (20 customer reviews)

Realizing your retirement dreams is only possible with the right Retirement Solutions in place. This information will help you implement Retirement Solutions to fit your unique set of goals, aspirations, and resources.Financial retirement specialist, Michael Dallas, compiles over two decades of proven wisdom into a must-have reference for today's retiree. Find the vital information you need to create your ideal retirement, including: Tax Solutions - lower your tax burden Portfolio Solutions - successfully invest your retirement nest egg Income Solutions - get the most from your pensions and Social Security Risk Solutions - protect yourself and your loved ones against the worst





Estate Planning in Plain-English: Legal Self-Help Guide
http://www.amazon.com/gp/product/B00KPBSX08
4.9 out of 5 stars (15 customer reviews)


Americas easiest to understand estate planning guide designed to balance plain language, organization, and usability for maximum comprehension of wills, trusts, and powers of attorney
Increase your understanding of estate planning with this guide written and edited by attorneys that is valid in all 50 States and Washington, D.C.
Most people have the capacity to understand what is involved in creating an estate plan. Whether you are looking to create your own estate planning documents or you have already retained a lawyer, you can benefit greatly from knowing what is involved in creating an estate plan.

The lack of easy to understand information prevents most people from trying to understand what is involved in estate planning. This leaves many people frustrated and apprehensive about estate planning. This book can help fill this information gap and may reduce your frustration and apprehension because, in writing this book, we assume you have no prior knowledge or experience with estate planning. We cut down on the legal jargon and where the legal jargon is inescapable, we provide additional explanations. We start at the absolute basic level while helping you with ideas you may not have considered.

You should buy this book if you want to learn more about how to plan for your death to make it easier on your loved ones you leave behind.

Open the book to:
Outsmart the system by learning how your estate can lower estate taxes, avoid probate, and avoid some of the common pitfalls,
Control the future of your stuff by preparing for the needs of your loved ones after your death,
and Eliminate uncertainty in tomorrow with a plan in hand.
˃˃˃ No matter the size of your estate or the type of property you own, this book provides information you can use to plan your estate, including why you need a will, power of attorney, and living trusts. An estate plan can help ensure your wishes are carried out following your death and creating an estate plan can provide you with the peace of mind of knowing that your final arrangements have been planned.
With this book, youll discover:

what is a will,
what is a living trust,
what is a power of attorney,
common legal terms,
and how an estate plan can help reduce family conflict.
The more you understand about your estate plan options, the better you can make your wishes known to your family, and other loved ones.

˃˃˃ Easy to understand, in plain language, and a time saver, Estate Planning in Plain-English is designed for married couples with and without children, and single people in all 50 States and Washington, D.C. who want to find estate planning information they can understand, quickly, and accurately.
Take action before an emergency or crisis
Make your death or incapacity (i.e., vegetative state) a little easier on your family and loved ones
Gain certainty in the future of you and the stuff you leave behind
Gift yourself some peace of mind
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Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 19 Replies: 0 =21px !importantLuguLake High Precision Ergonomic Laser Gaming Mouse With 3200DPI,7 Programmable Function Keys, 4-Speed DPI Adjustment $9.99 w/ code Fs Prime
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g: 0 Posted By: LordB
Views: 2 Replies: 0 This is in Massachustts and town to my knowledge does not have any additional legal requirements. The complex is ~8 units with a few duplex style places and 1 large master house that has been split up into 4 or so units.

The landlord says that he needs to refurbish 2/3 of the apartments in order to get a new bank loan after the property being tied up in probate for many years and having tax issues he needs to refinance from an ~8% loan down to the current rates now that it is out of probate (presumably a cashout mortgage that would allow him to pay off the tax issues as well).

The thing is the "refurbished" apartments he is talking about aren't all that refurbished. He hasn't done any more work on them than what I would consider the absolute minimum amount of work you would do to rent out an apartment. He is honestly borderline slumlord. His "refurbished apartment doesn't even have a proper rug replacement and the kitchen cabinets are in crappy shape.

The apartments are the exact same size though they have some minor layout differences which have both pros and cons (I would say the new place is a more in the cons side than the pros side).

He wants me to sign a new lease when I move to the new apartment with similar terms as the old one though he is willing to put terms in it to allow me to break the lease with 30 days notice as long as it isn't winter.

Anyways does his claim to need 2/3 of units be refurbished sound like a legit bank requirement? Can anyone think of anything shady that he might be pulling? Mostly worried about things that would affect me, but also curious about what other games he might be pulling (aka scamming others). I might be able to get more terms out of him if I truly have the upper hand here. For whatever reason he really seems desperate for me to move... Perhaps he is telling the truth about the bank requirement, but honestly it all just seems weird.

Free on iTunes - Video Time Machine for iPhone and iPad (reg $3)
Added on : Thursday October 23rd 2014 04:00:08 AM
g: 3 Posted By: remick
Views: 747 Replies: 2 https://itunes.apple.com/app/id438078438?mt=8%3Fmt%3D8&ign-mpt=uo%3D4

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g: 1 Posted By: remick
Views: 244 Replies: 0 https://itunes.apple.com/app/id438078438?mt=8%3Fmt%3D8&ign-mpt=uo%3D4

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Views: 173 Replies: 0 Fishing - 65% OFF Dream Cast Absolute Assorted Dry Flies - 4 Dozen $34.95 + $2.99 S/h @ Sierra Trading

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Free Kindle Book- The Truly Offal Recipe Book & other cookboooks
Added on : Thursday October 16th 2014 07:00:11 AM
g: 0 Posted By: remick
Views: 84 Replies: 0 The Truly Offal Recipe Book: How to Cook the Parts Others Throw Away
http://www.amazon.com/dp/B00OI2UIKS/

Cooking with offal is an exciting, rewarding and CHEAP way to put healthy and hearty meals on the table. In this book Curtis Pritchard has compiled over 45 authentic recipes from around the world showing you how easy and delicious it is to cook beef hearts, lambs brains, chicken livers, calf's testicles and much much more.
These recipes are offal, not AWFUL!!!



MAD FONDUE: Vintage Fondue Recipes for Fun Retro Dinner Party Food
http://www.amazon.com/dp/B00JSY2XNQ
4.8 out of 5 stars (13 customer reviews)

Dine and party like the Drapers on Mad Men -- fondue style.
Thanks to the popular Mad Men series, mid-century dining is in with all its vintage recipes, and that includes the wonderful retro party fondue dinners for yourself and for your friends. If you're a fan, you remember Betty Draper's fondue party. MAD FONDUE: Vintage Fondue Recipes for Fun Retro Dinner Party Food helps you plan your own retro fondue party in mid-century style. Comes with FREE SWEET Fondue recipe bonus gift, too.

From Retro to Modern, Fondue Recipes and Party Ideas
Mad Fondue: Vintage Fondue Recipes for Fun Retro Dinner Party Food is a guide and resource to help you with your classic fondue dining and entertaining. From Betty Crocker's tips for good fondue etiquette to classic vintage fondue recipes to the new retro fondue with a 21st century twist, you'll find all you need to create your own fondue party. Here are some of the things you'll discover:
The fondue ritual; Who created fondue and why; What you need to fondue; Retro fondue party tips; 30 fondue recipes; Classic and traditional fondue recipes; Fondue traditions and etiquette; Fondue preparation and dining tips; Suggestions for fondue dippers and pairings; Zombie Fun and other vintage food and drink; Suggestions for cheese and wine; 'Mad Men' fondue trivia and themed parties; National Fondue Day; Modern twists on classic vintage fondue recipes and more.
Fondue never really goes out of style, because at its heart, it is all about food and people. Now that's a good pairing. Fondue dining offers a wonderful communal food experience. A little wine, a little cheese; how can that not be the setting for a merry meal? Let's have some fun, Mad Fun, with fondue.



Victoria Beckham's Roadkill Cookbook: The thin woman's guide to cooking
http://www.amazon.com/gp/product/B00B0F0LGM/

An extremely useful and much needed cookbook in which Victoria Beckham gives rein to another of her talents. Be it on motorway, freeway, autobahn, autostrade, highway or byway you will never view a dead animal in quite the same way again.



101 Best Soups & Stews: Easy & Delicious Gumbos, Chowders & Chili Recipes
http://www.amazon.com/gp/product/B00BF5XSYY/

There is nothing more warming than sitting down to a good, hot, delicious bowl of soup in the winter. However, soup is not the only thing that can warm you heart and soul, during those gray, windy, snowy days chowder, chili, stews, gumbos and cheesy/creamy soups can also do the trick.
This book contains 101 of the best soup and stew recipes, including the aforementioned other types of soup-like dishes, that you will find in one place. There are a variety of food categories as well, including beef, chicken and turkey, lamb, pork, ham and bean. You will also discover how to make soups and stews with seafood and vegetables, some of which you may not have heard of yet.
This recipe book was designed to bring flavor into your life and happiness to your stomach! Enjoy! Try something new! You never know what your taste buds will thank you for!



$5 Meals Cookbook: 50 Budget Friendly Recipes
http://www.amazon.com/dp/B00ODSH2OW

Stretch that dollar in style without having to sacrifice your favorite meals. This book shows you how to eat healthy on a small budget, whether cooking at college, feeding a family or just trying to live frugally. Its a perfect cookbook for those with a limited budget. The cookbook is loaded with healthy recipes that take extremely little time to prepare and have very few ingredients that are relatively cheap. Most of the ingredients are typical items found in almost every kitchen; there are no exotic spices in the cookbook that you have to go searching for all over the town.
We can't calculate how much it will cost at your store to make these meals but we've included our favorite low cost meals that cost us $5 or less.
About the Author

Nancy F Thomas is a stay-at-home mom who loves to try new recipes. When she finds one, she tries it out, leaving out the ingredients her kids won't eat, of course, and alters it to everyone's liking. She is determined that you will absolutely love more than 50 of these delicious recipes not everyone likes everything! But it is her guarantee that there is something for everyone to enjoy.
Check out the Italian Wedding Soup and Creamy Carrot Soup two of her family's favorites, not to mention the Black Bean Soup and many, many others. As a recipe changer herself, she encourages you to do the same, substituting out any ingredients you don't care for and replacing them with something you love!
Food is love, so from her family to your XOXOXO!



Easy Budget Meals: Meals, Desserts and Entertaining
http://www.amazon.com/dp/B0081QL32Y
4.8 out of 5 stars (6 customer reviews)

I hope you love cooking as much as I do. My strong beliefs are that we are what we eat and fresh healthy food is a requirement for my meals. I am not overly wild about this but I try to make my meals as healthy and tasty as possible. I learned many years ago that "Lots of onion, garlic and herbs maketh a meal."

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How do I calculate equivalent salaries between cities?
Added on : Monday October 13th 2014 10:00:06 AM
g: 0 Posted By: usethisemailforcraigslist
Views: 122 Replies: 3 I am currently employed in Champaign, IL. A sleepy town, really. My annual salary is roughly $100k, pre-taxes. I have a wife (not-working) and a 1 year old. We want to move away from the midwest at all costs. I took up this job because I loved it, but I don't like anything outside the job. Horrible city (not a city, more like a village) to live in, absolutely no outdoor activities, for just about anything we have to drive 3 hours to Chicago, Indianapolis or St. Louis, the weather is miserable half the year. Maybe if I was a student in UIUC here, I would have loved it. But otherwise, it plain sucks.

We want to go somewhere where my wife can socialize more, get out and meet people. Given we are Indians, we figured California would be an awesome place. Even places like Houston / Dallas / Austin might do too.

Given I work as a software engineer, I figure it can't be too hard for me to get a job elsewhere. Assuming I do, where do I find information on what an equivalent salary would be to afford an equivalent life style?

I pay around $1000 for rent monthly. I walk to office because it is in walking distance. I have 2 cars, fully paid off. Insurance on them is around $400 or so per year. In general I have a comfortable life style.I am paid bimonthly. I have a HDHP and I pay into my HSA the maximum allowed each month. Max out my 401k with some employer contribution. After all that and my monthly expenses, I get to save around 15-20% of my salary each month. (Occasionally we splurge, vacation, travel to India for family and all that but nevertheless).

So what salary should I be negotiating when looking to move to a proper city? I am guessing cost of living here in this small town is lesser? I am guessing the same salary won't go so far in a real city where I actually have stuff to do on the weekends, as opposed to now where we basically just sit at home and have nothing to do except perhaps go to a park or two?
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g: 0 Posted By: markythegreat
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Should I take a new job in California?
Added on : Friday October 10th 2014 12:00:05 PM
g: 1 Posted By: me94
Views: 90 Replies: 5 My husband and I are both professionals living in the south. We make a decent living but both work long hours and have a large amount of student loan debt. I recently received a very competitiveoffer from a company in Orange County, California and am trying to see if there's anything I'm missing before we decide to make a move. Right now I work for a small family business and honestly I am the person holding the place together. The company in California is one my current company has done joint projects with in the past, and they want me to come and run their entire west coast operation. This company and my current company are in the same industry but operate in different states, so they do not compete (and to my knowledge, I don't have any "trade secrets" or clients that I would be taking).Still, if I move I will likely burn several bridges in my field and it would be difficult to work in the south or southeast for several years (it's a small field and everyone knows everyone else).

Financial situation:
Me - currently working. Salary: 90k, annual bonus usually around 25-40k.
Husband -currently working. Salary: 70k, annual bonus usually around 10-20k.
2children (3 yrs and 1 yr).
Assets: 2 cars, 2008Honda Accord, 2008 Honda Civic. Will probably replace the civic with a bigger car next year.
IRA: about $75k. No retirement plan at our current jobs.
Savings: about $60k in a CD ladder or savings.

Debt: Student loans, around $380k total. The rate is something like 7.4% (combined), and it's set by the government so we can't refi. Monthly payments are around $4000. No other debt.

Current expenses: Rent: $1050/month for a nice house in the country. This is very expensive for our area, but it's a nice house and we have not been able to qualify for a mortgage due to our DTI ratio. We pay $2400/month for a nanny (including employment taxes), as the only day cares here are religious and we are not members of any local churches. Utilities+phone is around $150 a month, and insurance is around 300.

The offer I have for the new job is $450,000 plus performance bonuses, and I may be able to negotiate that higher. I know the cost of living out west is higher, and taxes are higher (by my calculation, its around 4% higher), but I believe that even taking that into consideration making the move is a net financial positive. (More than that, the new company has several women in management and at the board level, and I feel there would be more room for promotion. I am the first and only woman working at my level at my current job, there are no women in senior management and no women partners.) I have some family in the LA area who have told me to budget around $4-5000 a month for rent on a nice four bedroom house.

My husband would have to quit his job and try and find something out west - that's a big unknown but honestly with the bump in salary, I figure he can take his time looking for new employment. A big factor for me is that the schools here are atrocious (something I can confirm, as I hire high school graduates for unskilled office jobs and they're barely literate). If we stayed here we'd absolutely have to pay for 18 years of private school for the kids. I have been told the Irvine school district has excellent schools. I am leaning towards finishing the year at my current job and moving after the baby is born in the spring but I thought I'd post this for FWF to see if there is anything I'm missing.
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g: 0 Posted By: roy7736
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g: 0 Posted By: ctgolfer
Views: 98 Replies: 0 shipping adds $5


High Performance Blower/Vac/Mulcher

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g: 4 Posted By: remick
Views: 344 Replies: 0 http://www.amazon.com/gp/product/B00KWOQ2WE

4.9 out of 5 stars (17 customer reviews)

SCARED OF LIFE? YOU SHOULDNT BE! LEARN HOW POWERFUL YOUR MIND IS.

This book reveals the crippling effects that fear has on you and shows you how to crush them.
Fear is everywhere around us, dictating its requirements to us. We are scared of death, birth, success, failure, weight gain, sickness the list goes on. And what are we happy about? Well being alive, working (maybe), enjoying good health (maybe), savoring a mutually beneficial relationship (maybe), etc. So many maybe on the happy side, and so many certainties on the fear side Let us help you change that equation!

The book contains a helpful Discussion Guide and a sample chapter of sequel 98 Powerful Affirmations to Awake the Inner, Happier You The Complete Law of Happiness, But Simplified. Through thought-provoking questions, the book gives extensive advice on how to use the discussion guide, how to inform decisions related to the topics at hand, and how to best read it alone, in reading groups, with your partner, or as part of learning activities, among others.


In this book, you will discover many things, including:
Identify, mitigate, manage or destroy any fear;
Boost your self-esteem; and
Achieve success faster by unleashing your personal potential.

Who will benefit from this book?:
Everyone particularly people who are currently coping with childhood trauma or lifelong phobias, working in the mental-health field, struggling with public speaking, and feeling stuck in their careers or relationships.



also free

Life Coach: Personality Development: A Good Book' Packed with Self Improvement Techniques To Immediately Build Your Confidence & Self Esteem
http://www.amazon.com/gp/product/B00JDMMAP4

Do you want to have more control over your life? Do you want to become more self-aware and more successful at solving your personal problems? Do you want to feel more confident?
If you do, then you should read this remarkable book. Its simple and straightforward. It encourages everyone to take responsibility for themselves and shows how this can be done. Case histories are included, and advice is given on how behaviour patterns can be changed with thought, effort and practice.



When Wisdom Whispers: The Art of Following Your Heart to a Life You Love
http://www.amazon.com/When-Wisdom-Whispers-Following-Heart-ebook...
4.7 out of 5 stars (7 customer reviews)

Let me ask you something:
On a scale from 1-100, how skilled are you at making decisions?
Choices are your lifeblood: they represent the difference between your success story...and just another sob story.
Do you have the happiness and success you desire?
If not, then look no further than your own choices. Instead of making purely "logical" decisions like most people, I want to show you a better way.
When Wisdom Whispers is a beautiful book that talks about the reality of decision making, and how the best choices always come from the heart.
Although very informative, this book is also poetically riveting. You will be on the edge of your seat...you will laugh...you will cry...you will be uplifted, refreshed, and inspired!
The concepts covered in this book are absolutely crucial to living a fulfilling life. Following your heart is no joke. It's not a fantasy. It's not a nicety.
It's REAL. And to show you how real it is, I have included three very serious and incredible stories from my own life that demonstrate just how mysteriously powerful the human heart really is.



Success and Happiness - Quotes to Motivate Inspire & Live by
http://www.amazon.com/Success-Happiness-Quotes-Motivate-Inspire-...
4.4 out of 5 stars (43 customer reviews)

Motivational quotes to follow your conscience. Inspirational quotes to succeed with your integrity and character intact. Quotes organized by real life topics:



Mind Over Money: How to Program Your Mind For Wealth
http://www.amazon.com/Mind-Over-Money-Program-Wealth-ebook/dp/B0...

This simple 30-day training manual will help you change your life in every imaginable way. Discover the little-known secrets of thinking rich in order to finally created financial freedom in your life and avoid the critical mistakes that keep most people trapped in a cycle of money problems.



Dealing with Difficult Parents
http://www.amazon.com/gp/product/B00JEIIVF0/

Do you feel your relationship with your parents could be better?
When you talk to your parents, do you feel like a child again?
Do you find yourself behaving in ways you thought you'd grown out of when you argue with them?
It is hard to talk to them honestly about your life?
This book is for anyone who wants to build a more adult relationship with their parents.
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g: 0 Posted By: remick
Views: 97 Replies: 0 http://www.amazon.com/dp/B007S0LTPU/

4.6 out of 5 stars (82 customer reviews)

Master Photo Lighting... Hard Light!

Revised addition!
Here in Volume 7 of the "On Target Photo Training" series we are concerned with hard light and how to shape it to get some pretty stunning results!

For most of us, the sun is our primary light source. Unless it is hidden behind a bank of clouds, it is a hard light source. Learning how to work with hard light is vital to our progression as photographers!

Once you are comfortable with working and shaping hard light, life gets pretty exciting... you can control your viewers emotions at will.

It's when you start putting emotion into your photography that you stop creating "snapshots" and start making "art."
Here is the table of contents to show you SOME of what is included...

Contents

Introduction

Ambient Light

Ambient Light Defined

Light Qualities

Hard Light

Hard Light Defined

Light Quality

Control Viewer Emotions

Light Angles Matter

Photo Exercise 1

Light Shaping

Barn Doors

The Snoot

Making Your Light Bigger

Flags, Dots And Fingers

Cookies and Gobos

Photo Exercise 2

Additional Photo Training

First we review some lighting concepts regarding Ambient light. ambient light can be hard or soft and learning to work with it is vital.

Hard Light: Then we discuss what hard light is and some of the situations where we might find it being used.

Control Viewer Emotions: How hard light is used to elicit and control emotion in our photos.

Light Angles Matter: With hard light, the angle of the light is a key consideration. Shoot at the wrong angle and you could create a portrait that will absolutely be hated... and possibly create an enemy for life.

Shoot at the right angle and you may see your work on the wall of a gallery someday!
Light Shaping - Cookies, Snoots, Flags Fingers & Dots: Do you know what "Flags", "Fingers", "Dots", "Cookies", "Gobos" and "Snoots" are?

You will in an hour or so after getting this volume of the "On Target Photo Training" series. Not only will you know what they are, but you will know how and when to use them!
Totally Free Deals
g: 1 Posted By: remick
Views: 144 Replies: 0 Joyful Momma's Guide to Shopping & Cooking Frugally
http://www.amazon.com/gp/product/B0077H7NNQ
4.4 out of 5 stars (48 customer reviews)

Have you noticed the cost of groceries absolutely skyrocketing?
As the cost of feeding our families well on a tight budget continues to climb ever higher, we need to reevaluate how we spend the money in our grocery budget. Thats where Joyful Mommas Guide to Shopping & Cooking Frugally comes in.
If youre like me, youve been frustrated by the rising prices of groceries, while the family income either remains the same or goes down. It seems like everyone is looking for ways to cut back on their grocery bill.
Let me help you learn how to save big money at the grocery store with some simple and easy-to-implement tips!

☑ Do you wonder how some people seem to save big money with coupons while coupons only seem to make you spend more? (See page 26)
☑ Do you always seem to go over budget when grocery shopping? (See page 40)
☑ Are menu planning and making a shopping list overwhelming you? (See page 18)
☑ Does your menu plan go out the window after husband and children snack on vital ingredients? (See page 23)
☑ Are you struggling with managing or losing weight while keeping with a super tight budget? (See page 80)
☑ Is the challenge of breaking free from using pre-packaged foods overwhelming you? (See page 57)
☑ Do you find yourself frustrated with the challenge of making your frugal meals flavorful and healthy? (See page 53)
☑ Is the time crunch keeping you from cooking from scratch, couponing, and planning? (See page 66)
☑ Do you struggle with feeling overwhelmed and depressed over the challenges the economy is bringing to your family? (See page 5)

All of these questions (and more) are answered in Joyful Mommas Guide to Shopping & Cooking Frugally. I wrote most of this book based on real life questions Ive gotten on Twitter, Facebook, and email about saving money at the grocery store, so it is geared towards answering real world questions.



The Walgreens Drugstore Game: Strategies to Turn Pocket Change into Thousands of Dollars' Worth of Free Products
http://www.amazon.com/dp/B00FLBV228/
4.4 out of 5 stars (12 customer reviews)

This is the Book Walgreens Prefers You Wouldnt Read
For less than the cost of one razor (which you will score for free over and over again using the tactics in this book), learn how to legally walk out of Walgreens with lots of free products using their own currency: Register Rewards and Balance Rewards Points.



The Everyday Cookbook: A Healthy Cookbook with 130 Amazing Whole Food Recipes That are Easy on the Budget
http://www.amazon.com/gp/product/B00C89GS1Q
4.2 out of 5 stars (14 customer reviews)

In my family we are no strangers to stretching the dollar, living in an ex-Communist country that is still one of the poorest within the EU. We are always living paycheck to paycheck, so we find the cheapest ways possible to cook meals that will feed our family of five. Our favourite recipes are strongly influenced by traditional cuisine and contain a lot of simple, hearty foods. When I think about it, every meal in my house is a comfort food and is also cooked with the budget in mind.
The Everyday Cookbook: contains some great tips on cooking on a budget as well as 130 recipes for savory soups and stews, satisfying salads, hearty casseroles and delicious desserts.



Ultimate Spartan Budgeting and Minimalism: How to Save Money, Increase Productivity and Live Simply
http://www.amazon.com/dp/B00NQHE15O

Have you wanted to save money, but youre not sure how? This book is a hard hitting system to apply principles of the ancient Greeks to cut out anything thats wasteful and focus entirely on fulfilling your Master Plan, whether that involves getting out of debt or traveling the world.



The Hard Times Kitchen: Homestyle Recipes for a Small Budget
http://www.amazon.com/Hard-Times-Kitchen-Homestyle-Recipes-ebook...

Chock-full of homestyle recipes that are perfect for the budget-minded cook, These frugal, yet delicious recipes are prepared with just a handful of easy to find ingredients. More than 40 easy recipes including Beef & Butternut Squash Stew, and Pennsylvania Dutch Pot Pie - plus lots of tips helpful money-saving tips. With an emphasis on unprocessed foods, and simple, from-scratch cooking, The Hard Times Kitchen Homestyle Recipes on a Small Budget is sure to please both the experienced home cook and the beginner alike.



Couples Money - What Every Couple Should Know About Money and Relationships
http://www.amazon.com/gp/product/B005LXW7UW/
4.7 out of 5 stars (29 customer reviews)

Couples Money - What Every Couple Should Know About Money and Relationships is written by a married couple in the financial serives industry, Marlow and Chris Felton. They share their personal story of financial transformation and insights they have gained from thousands of couples they have worked with over the last 12 plus years.
Couples Money is an introspective look at a leading cause of divorce; money. Most couples think they are alone in their financial struggles and they have the stories to prove they are NOT! Marlow and Chris help couples get on the same page with easy to follow concepts and action steps they have personally seen work. They believe they have the cure for "financial cancer" that plagues many couples and share their stories to help save millions of relationships.



Zero Waste Minimalism & Homesteading Basics Box Set: Increase your Happiness by Reducing your Waste; How to Build a Life of Self Sufficiency
http://www.amazon.com/Zero-Waste-Minimalism-Homesteading-Basics-...

Youre about to discover how tolive life to the fullest without the burden of material possessions! Minimalism is a lifestyle that promotes self-reliance while encouraging individuals to enjoy every moment, indulge their passions, live debt-free and own all the basic necessities of comfortable and content living! In this book, youll learn of the first few steps towards a minimalistic lifestyle, eliminating waste in your life and living an intentional existence.



Find A Penny: A Financial Journey
http://www.amazon.com/Find-Penny-Financial-Donna-Sako-ebook/dp/B...

This book a journal of those personal experiences and the lessons learned. After reading a multitude of economic, financial, and professional books on investing, insurance, budgets, saving, and retirement, I realized nobody was showing the reality or results of what really may happen in life. This book is written to entertain and share ideas and information of what I found to be the best and worst of that advice.

Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 146 Replies: 0 45% OFF Super Stroller Organizer - Fits Most Baby Strollers - also Great for Bikes and Cars + Bonus Ebook $13.19 w/code Fs Prime

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Apply 45% OFF code BABYBAG2

ONE OF THE LARGEST STROLLER ORGANIZERS ON THE MARKET! Children 'n Us Super Stroller Organizer has a LARGE CAPACITY to carry all of your IMPORTANT BABY BELONGINGS! Comes with a pocket for your SMARTPHONE; a VELCRO pouch for your pacifiers; TWO INSULATED BOTTLE spots, to hold your BABY'S and YOUR beverages; a ZIPPER pocket to store your KEYS; and an EXTERNAL POCKET for your baby's DIAPERS or other URGENT moments!!!
BONUS E-BOOK! Ordering Children 'n Us Premium Stroller Organizer, you will be given access to a totally free special EBOOK to download, with a lot of tips of how to take care of your CHILDREN! Our EBOOK was specially made BY MOMS FOR MOMS!!!
*** HAPPY CHILDREN AND PARENT OR YOUR INVESTMENT BACK***! At Children 'n Us, we are driven by OUR CUSTOMER SATISFACTION. If YOU or YOUR CHILDREN don't feel 100% SATISFIED with our STROLLER ORGANIZER, we are offer you a 100% MONEY BACK GUARANTEE - NO QUESTIONS ASKED. BUY WITH THIS SENCE OF SECURITY RIGHT NOW!!!
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g: 3 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/gp/product/B00MU0OE1E

Do you struggle to understand the complicated world of music theory?

Does it frustrate you trying `get` what chords work with one another?

Do you watch other guitarists run up and down the fretboard and wonder why you can`t do that without playing wrong notes?

Every single guitarist has at some point struggled to understand what on earth is going on when it comes to the world of MUSIC THOERY.

GUITARISTS GET THEORY written by renowned author and music teacher, Dan Thorpe is here to help you simplify the complex world of music theory once and for all.

Learning music theory CAN be complicated but it doesn`t have to be.

Do not worry - `Guitarists Get Theory` has the answer...

- Learn how to find the notes on the fretboard using Dan Thorpe`s unique pattern system

- Get 3 absolutely must know formulas that most `experienced` players don`t get

- Use and understand The Note Circle`

- The 1 simple trick that will supercharge the most important part of your own songs

Want to write songs of your own?

This book will save you months, maybe even years - teaching you the greatest chord progressions all time such as the Modern, Modern minor, Catchy Pop, Soulful Pop chord progressions and more.

Also, learn a range of unusual chord progressions to sky rocket your own songs and help you understand those of your favorite artists.

PLUS Understand and use the Relative Major and minor key`, Consonance and Dissonance, harmony and which notes work with which chords so you can write awesome guitar solos and vocal melodies.

All this and more

WARNING: This book is all killer and no filler
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g: 0 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/dp/B00KAGGTY0

SQL Server 2014 programming builds on achievements of decades in advanced relational database technology. Among the new SQL Server 2014 features is prominent: in-memory OLTP tables. Disk was always the slowest part of the computer system. Since memory is abundant, it is logical to place tables into memory to gain in performance. Programming SQL Server 2014 is fun due to the host of marvelous tools available for the developer in SQL Server Management Studio and Visual Studio. Graphical query designer, for example, helps the developer to develop the JOIN structure of a complex query. SQL Server 2014 provides a highly productive environment for database software development.

SQL Server 2014 introduces 3 new database design features: in-memory OLTP tables, inline index declaration in CREATE TABLE statement and updateable clustered columnstore indexes. In-memory OLTP aims to boost performance by reducing disk io as memory capacities are expanding frequently beyond the size of the database. SQL Server 2012 columnstore indexes are static. Updateable columnstore index expands the applicability of the performance feature. Inline index declaration elevates indexes to the level of PRIMARY KEY, FOREIGN KEY, CHECK constraint and DEFAULT constraint which can be declared inline.



also free

Functional CSS: Dynamic HTML without JavaScript
http://www.amazon.com/dp/B00KRQ3DJC/

This text delves into HTML and CSS organically. Each chapter focuses on a variety of HTML and CSS elements, together, in a context of practical and functional examples. Instead of dissecting each feature myopically, this book jumps into the "thick of it" and considers each HTML and CSS element in combination with other elements that are needed to make a given case work. For example, in chapter 2, explanations on how to build tooltips are provided, and topics, such as CSS selectors, absolute and relative positioning, text effects, CSS functions, and transformations, are covered. The key philosophical principle guiding this series is that software systems are synergistic combinations of diverse technologies; and, successful learning of these technologies is best facilitated via detailed and, importantly, immersive examples. Building functional mini-applications requires the fluent use of a broad range of HTML and CSS vocabularies. The cases presented in this series fully capture the richness of HTML and CSS languages.



Principles of Programming: Basic Concepts
http://www.amazon.com/dp/B00FNC3P0C/

Principles of Programming: Basic Concepts is a book created as a first programming resource for students and homeschoolers wanting to learn the basic concepts and an introduction to programming. Principles of Programming will take you through the simplest of programs that take one line of text to write, all the way through complex logic and fun programs for students.

10 easy lessons each with key concepts important to programming
26 programs created as examples and to be written by the student as practice
16 optional advanced exercises mean for those that desire extra instruction and challenge
download all the code to create each program



Microsoft Office 2013: An Introduction: A hands-on introductory tutorial for Microsoft Office 2013
http://www.amazon.com/dp/B00NMVS8IK

Get a hands-on, fast-paced yet thorough introduction to Microsoft Office 2013 with the use of Microsoft Office 2013: An Introduction!
If you want to put the power of Microsoft Office, the worlds most popular multi-purpose suite, to work quickly and with a minimal amount of hassle, THIS is the book you have been looking for! Whether you are seeking to create the best Word documents, comprehensive Excel spreadsheets, PowerPoint presentations that sizzle, or Access databases that provide the answers to all of your database questions, youll get a running head start with Microsoft Office 2013: An Introduction. In this book, you will learn to:

Create impressive documents in minimal amounts of time using templates and Word
Use Microsoft Excel to build worksheets and charts that you need to get your analytical point across
Prepare and present business presentations that dazzle with PowerPoint
Store, organize, and report on the precise data you need with Microsoft Access



The 2014 Guide To Free PC Software: Over 150 Superb Programs That Won't Cost You A Single Penny!
http://www.amazon.com/dp/B00HM9B7C2



Introducing Windows 8.1 for IT Professionals
http://www.amazon.com/gp/product/B00JYE19VW

Get a head start evaluating Windows 8.1 - with early technical insights from award-winning journalist and Windows expert Ed Bott. Based on the Windows 8.1 Preview release, this guide introduces new features and capabilities, with scenario-based advice on how Windows 8.1 can meet the needs of your business. Get the high-level overview you need to begin preparing your deployment now.

Preview new features and enhancements, including:

How features compare to Windows 7 and Windows XP
The Windows 8.1 user experience
Deployment
Security features
Internet Explorer 11
Delivering Windows apps
Recovery options
Networking and remote access
Managing mobile devices
Virtualization
Windows RT 8.1


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ZyXEL AeroBeam Wireless HD Home Theater Kit $78.99 FS at Tanga
Added on : Monday September 22nd 2014 07:00:05 AM
g: 0 Posted By: priyacg
Views: 135 Replies: 0 ZyXEL AeroBeam Wireless HD Home Theater Kit $78.99 FS at Tanga

https://www.tanga.com/deals/6325e36b13ef/zyxel-aerobeam-wireless...

FREE SHIPPING code- FALLSHIP
Installing long HDMI cables along the walls to connect overhead projectors in meeting rooms or HDTV in living rooms can be costly. The ZyXEL WHD6215 4-Port Wireless HDMI Kit provides an ideal wireless HD cable replacement solution for connecting HDMI-enabled devices such as laptops or tablets to overhead projectors in meeting rooms or Blu-ray players and games consoles to HDTVs. The AeroBeam WHD6215 brings you crystal-clear HD video from anywhere in your room. Operating outside of the standard 2.4 or 5 GHz spectrum used by microwaves, phones, WiFi, and other common consumer electronics, youll be able to enjoy all your favorite media without worrying about interference. Enjoy the same perfect video and audio quality as an HDMI cable with the freedom to place your components anywhere within a room with the beauty and safety of a wire-free equipment setup. The WHD6215s WiHD technology transmits 1080p video and full 7.1 channel surround sound without lag or loss of quality. And theres no need to worry about unsightly wires, the WHD6215 offers a truly wireless experience. With 4 HDMI ports, theres no need to choose which multimedia device to attach to the WHD6215. Simply plug them in and prepare to experience true wireless High Definition. The WHD6215 requires absolutely no configuration. Simply plug the WHD6215-R into your TV, and connect your multimedia devices to the WHD6215-T transmitter unit. From there, you can use your devices exactly as you always have.
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g: 100 Posted By: MISTERCHEAP
Views: 9253 Replies: 113 1. you must be a member of topCashBack dot com (or join) go to their website FIRST

2. go to Virgin Mobile store link on their site, click thru on $35 CB offer they have listed

3. Buy the $11.99 + tax for the Samsung Entro phone (ship it to yourself) UPDATE this phone is now OOS. Get the KONA for $15.99 and still make about $18 a/cb

4. Get $35 back in CB within a week.

ends in TWO DAYS!!



Transactions shouldcontainoneSamsung Entro (or Kyocera Kona or Brio) cell phoneto ensure $35CashBack is credited to TopCashback accounts. If another handsetis purchased or multiple handsets are purchased at the same time, that's absolutely fine but the CashBack amount awarded will still be $35 so the transaction will not result in the maximum profit possible (and perhaps there will be no profit overall, depending on what handsets arebought).

If you're planning on enjoying this deal, please do soethically and responsibly.Scoringa free phone is great. Getting $20+ on top is even better. To try tomake it possible for everyone to get a fair crack at this offer, it is limited to one handset per month per TopCashback account. As TopCashback accounts are limited to one per member, if anyone is found to have abused this dealtheir accounts will be terminated with all CashBack earnings withheld.
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g: 0 Posted By: ctgolfer
Views: 66 Replies: 0 shipping adds $5

The Parrot AR.Drone is the first quadricopter that can be controlled by a smartphone or tablet. By tilting your device, you control the direction of your AR.Drone, and by releasing it, the AR.Drone is instantly stabilized. Thanks to the AR.Drones autopilot feature, anyone can be an expert as the AR.Drone allows for an easy take-off and landing.Fly. Record. Share.

Download AR.FreeFlight 2.0 control application for free on the App Store or the Android Market
New Absolute Control mode gives you an option to change levels from beginner to expert
Record and share videos and pictures directly from the piloting interface
Store and share your flight data (time, speed, altitude) to unlock community achievements
Geolocate your flights and connect with a community of pilots to see flights and videos from all over the world, and check who is flying in your neighborhood

HD video recording
Get high definition live video streaming to your smartphone or tablet as you are flying. See a clean, sharp image just as if you were in the pilot seat.

HD Camera. 720p 30fps
Wide angle lens: 92 diagonal
H264 encoding base profile
Low latency streaming
Video storage on the fly with the remote device
JPEG photo
Video storage on the fly with Wi-Fi directly on your remote device or on a USB key

Robust structure
Trying your most daring tricks wont even challenge this cutting edge design which is made to last.

Carbon fiber tubes : Total weight 380g with outdoor hull, 420g with indoor hull
High grade 30% fiber charged nylon plastic parts
Foam to isolate the inertial center from the engines vibration
EPP hull injected by a sintered metal mold
Liquid Repellent Nano-Coating on ultrasound sensors
Fully reparable: All parts and instructions for repairing available on the internet

Electronic assistance
AR.Drone 2.0 on-board technology gives you extreme precision control and automatic stabilization features.

1GHz 32 bit ARM Cortex A8 processor with 800MHz video DSP TMS320DMC64x
Linux 2.6.32
1Gbit DDR2 RAM at 200MHz
USB 2.0 high speed for extensions
Wi-Fi b,g,n
3 axis gyroscope 2000/second precision
3 axis accelerometer +-50mg precision
3 axis magnetometer 6 precision
Pressure sensor +/- 10 Pa precision
Ultrasound sensors for ground altitude measurement
60 fps vertical QVGA camera for ground speed measurement

Motors
Fly high. Fly fast. Far away from the ground.

Four brushless inrunner motors. 14.5W 28,500 RMP
Micro ball bearing
Low noise Nylatron gears for 1/8.75 propeller reductor
Tempered steel propeller shaft
Self-lubrificating bronze bearing
Specific high propelled drag for great maneuverability
8 MIPS AVR CPU per motor controller
Emergency stop controlled by software
Fully reprogrammable motor controller
Water resistant motors electronic controller


http://sellout.woot.com/offers/parrot-ar-drone-2-0-wi-fi-quadric...
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g: 0 Posted By: CindyLouWho2
Views: 81 Replies: 0 Yamaha Acoustic Drums Online Class with Teddy CampbellFinding the Right Set for You with Yamaha Drums, featuring Teddy Campbell.Join Guitar Center and Teddy Campbell for a free online class exploring Yamahas line of acoustic drums, including the Stage Custom Birch, Live Custom and Absolute Hybrid, as well as Yamaha hardware.This online class will air live at 12 PM Pacific Time on September 23, 2014. Prior to air time, a player will be loaded below to allow for viewing.
http://musicmentor.guitarcenter.com/yamaha-acousdrums-online-cla...
Totally Free Deals
g: 0 Posted By: MISTERCHEAP
Views: 203 Replies: 0 1. you must be a member of top CashBack dot com (or join) go to their website FIRST

2. go to Virgin Mobile store link on their site, click thru on $35 CB offer they have listed

3. Buy the $11.99 + tax for the Samsung Entro phone (ship it to yourself)

4. Get $35 back in CB within a week.

ends in TWO DAYS!!



Transactions shouldcontainoneSamsung Entro (or Kyocera Kona or Brio) cell phoneto ensure $35CashBack is credited to TopCashback accounts. If another handsetis purchased or multiple handsets are purchased at the same time, that's absolutely fine but the CashBack amount awarded will still be $35 so the transaction will not result in the maximum profit possible (and perhaps there will be no profit overall, depending on what handsets arebought).

If you're planning on enjoying this deal, please do soethically and responsibly.Scoringa free phone is great. Getting $20+ on top is even better. To try tomake it possible for everyone to get a fair crack at this offer, it is limited to one handset per month per TopCashback account. As TopCashback accounts are limited to one per member, if anyone is found to have abused this dealtheir accounts will be terminated with all CashBack earnings withheld.
Cell Phones Deals

Virgin Mobile Coupons
g: 0 Posted By: ctgolfer
Views: 168 Replies: 1 Full range speaker system. The high efficiency speakers create deep, rich, immersive sound
The iPad fits seamlessly in the lightweight enclosure. Smooth and optimally balanced, the surface is comfortable and easy to grip
The free Thunder app provides extended control with three different soundscapes
The multifold provides a variety of comfortable and convenient viewing and listening angles. And, of course, protects your iPad screen when not in use
Air channels are integrated into Thunderstorm's main panel, allowing bass frequencies to come alive
Perfect for music and web video, great for movies, and games will absolutely explode off the screen

www.amazon.com/dp/B00AXVXXNC/
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g: 0 Posted By: remick
Views: 97 Replies: 0 http://www.amazon.com/gp/product/B00LP2SIVU

The Homesteading Handbook vol. 3: The Heirloom Seed Saving Guide is the 3rd book in the well-received Homesteading Handbooks series of books. It's your guide to collecting seeds from a number of popular garden fruits, vegetables and herbs. If you've ever considered saving seeds, this book is your key to unlocking the secrets of seed saving.

The following topics are covered in this handy guide:
Why seed saving is important and how it can save money while protecting the world's food supply.
The 4 most common types of seeds, including 2 seed types you never want to attempt to save seeds from.
The many ways plants can produce seeds and how flowers are pollinated.
How to ensure the genetic lines of your heirloom plants stay pure.
How to attract pollinators from long distances away.
Growing healthy plants that develop healthy seeds.
Saving seeds from wet-seeded and dry-seeded crops.
How to safely store seeds to ensure longevity.
A simple method of testing seed viability.
A discussion on whether organic seeds are absolutely necessary.

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[Origin] On The House - Bejeweled 3 (FREE)
Added on : Wednesday September 17th 2014 11:00:13 AM
g: 0 Posted By: Sophiawright01
Views: 489 Replies: 0 WOW! This game is absolutely FREE, Hope you will also enjoy it

https://www.origin.com/en-in/store/buy/bejeweled-3/mac-pc-downlo...
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[Origin] On The House - Bejeweled 3 (FREE)
Added on : Wednesday September 17th 2014 08:00:05 AM
g: 0 Posted By: Sophiawright01
Views: 184 Replies: 0 WOW! This game is absolutely FREE, Hope you will also enjoy it

https://www.origin.com/en-in/store/buy/bejeweled-3/mac-pc-downlo...
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SEC spends 25 years and $8.6 million to collect $3.7 million
Added on : Wednesday September 17th 2014 05:00:10 AM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 1 Somewhat of a continuation of this thread This guy took FW H&B advice and ran with it"the victim of three heart attacks by the age of 30"

http://elitedaily.com/news/world/instagram-straight-flexin-dan-bilzerians-instagram-absolutely-ridiculous/

This was an entertaining piece that describes his father, a corporate raider who spent decades setting up trusts, shuffling around assets, and playing games with the SEC to avoid judgements.
WSJ said: 25 years after Mr. Bilzerian became a Wall Street felon, the Securities and Exchange Commission is quitting the fight, winding down its quest to collect a $62 million civil judgment against him for securities fraud.

To a mention of his bank accounts, he says: "What bank accounts? Do you think I'd be stupid enough to have a bank account?"

His is an extreme example of the challenges, and often failures, financial watchdogs encounter in trying to collect judgments after announcing them with fanfare. Mr. Bilzerian consistently thwarted their efforts, according to a review by The wall street journal of thousands of pages of documents from civil and criminal cases and interviews with people familiar with them.

A 1980s Corporate Raider Holds Off the SEC

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g: 0 Posted By: st4rdust
Views: 31 Replies: 0 Amazon has Fisher-Price Little People Disney Snow White and The Seven Dwarfs on sale for$9.98with Free Super Saver Shipping on orders of $35 or more.

4.8/5 stars based on 117 customer reviews.

I got my little sister this set for Christmas last year and she absolutely adores it. These toys are exactly the right size for toddler hands - small, sturdy and very cute. All Little People figures are the same size, so her "pwincess" can go visit her farm set and vice versa.


Snow White and the 7 Dwarves can have a night of singing in the Palace
Bring Snow White to the palace to hear her phrases & song
Goes perfectly with the Little People Disney Princess Songs Palace
Includes Snow White, Bashful, Happy, Sleepy, Doc, Dopey, Grumpy and Sneezy figures
Collect all Little People Disney Princess figures

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Bejeweled 3 for PC/MAC (Digital Download) FREE on Origin.com
Added on : Tuesday September 16th 2014 09:00:04 AM
g: 0 Posted By: rockymast
Views: 245 Replies: 0 https://www.origin.com/en-in/store/buy/bejeweled-3/mac-pc-downlo...

Here's a little time-killer for when stuck on hold with customer service after a slickdeal gone bad :

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g: 0 Posted By: tedhawkins
Views: 176 Replies: 0 Silver Dog Crate Kennel - Pet Playpen Cage w/ Metal Tray Pan $22.75 - $61.75 + Free shipping - american specialty tool via eBay

http://www.ebay.com/itm/Silver-Dog-Crate-Kennel-Pet-Playpen-Cage...

(Various Cage sizes)

Premium quality - These affordable cages from SmithBuilt Crates are expertly crafted using commercial-quality materials and superior manufacturing to produce cages built to last a lifetime.

Strong and safe These pet homes are built using all-steel wire (between 5-gauge and 9-guage, depending on the model chosen) for long lasting durability. This high tensile-strength wire is securely formed and welded into a tight mesh pattern, designed to keep your pet safe and secure.

Multiple doors - Crates feature multiple entry/exit doors, providing additional convenience when feeding and training. Each door closes and locks easily with a slide-bolt latch (the doors on the 36" and larger cages each feature two latches).

Superior finish - These cages are finished with a thick zinc galvanization, much stronger than the electro or powder coats seen in inferior cages. This finish is rust, corrosion and fade resistant, even in extreme climates.

Easy to setup - Cages are fully pre-assembled. To use, simply unbox and fold open; no tools are required.

Metal tray - Each cage features a lightweight, shiny steel tray. Steel is the absolute toughest tray material available; it will last forever and cant be chewed or eaten like plastic trays. In addition, these trays are treated with a durable zinc galvanizing process, making them rust and corrosion resistant. The tray is held securely in the cage with a retaining bar that prevents the tray from becoming accidentally dislodged. The tray features a lip around the perimeter to contain any mess, and it is easily removable for cleaning.

Portable - These lightweight cages are "suitcase" style; this means when you need to take them down, they don't disassemble into multiple paces like other cages. Instead, they collapse, or fold into a flat package less than 4 tall. This allows you the ability to easily transport or store them anywhere, and they only take seconds to setup again. Cages also feature a removable, top-mounted handle for additional convenience.

Optional divider - Cages can be ordered to include an all-metal divider. This allows the internal size of the crate to be made temporarily smaller for training purposes. The divider can then be moved / repositioned as the pet grows in size. The divider can be placed at any position in the cage and removed when no longer needed.
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g: -1 Posted By: ctgolfer
Views: 167 Replies: 0 Buy the Galaxy Tab 4 NOOK and we'll give you over $200 of bestselling books, magazines, and TV shows absolutely FREE, plus a $5 starter credit. It's the perfect way to see what NOOK has to offer.

1. Internet access via WiFi required
2. Multi-Window does not support all applications.
3. Up to 32GB additional storage.

www.barnesandnoble.com/u/samsung-galaxy-tab-4-nook-tablet/379004...
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Business partnership ending and I got bad vibes, how to handle?
Added on : Friday September 12th 2014 03:00:08 PM
g: 0 Posted By: MightySlacker
Views: 70 Replies: 0 This is in the state of Ohio for reference. Some parts need to be left vague, but hopefully I can get in all pertinents.

A few years ago, my girlfriend and I decided to catering and concessions at a certain venue. It was a place I had worked 5 years before that and we did some unofficial food stuff for smaller events, and when the opening happened to take care of everything food related we took it. The management of the venue were friends and wanted to do a partnership, which appealed to use because we didn't have the capital to go all in by ourselves.

The management purchased the existing catering and concession equipment for X amount, for which we paid half (3 installments that year) and were to own half (we formed a LLC). Our agreement was that my girlfriend and I would get X per hour, and then split the profits at the end of each year. What ended up happening is that the venue ran a food "tab" for its workers which we kept track of, and then deducted that from the profits. 2 years out of the 4 the tab exceeded what their profits would be and money was sent our way.

This year, we moved because I got a job promotion and we decided we could not take care of the business at a level we were accustomed to providing. We jointly decided to try and lease the operations to some people and if they were able to handle it we would be bought out of our half. Unfortunately, the management was fired and replaced in a particularly nasty incident(s). I had talked to them afterwards and the response was just to sell everything.

I went to go look at things last weekend and did not like what I saw. Several items belonging to the business that were not stored with the concession stand(s)/truck(s) were gone, even a couple of propane tanks for one of the stands (which were locked) are gone. The management had pretty much taken everything of theirs not nailed down, but did not think that would include our items. There was a new temporary food person that had said he had briefly talked to previous management but was only interested in some of the equipment, not all of it. I have attempted to contact the previous management multiple times with absolutely no response. My spider sense is tingling.

I'm not really sure what my recourse should be to collect my "half" if things go south. The paperwork is all in the managements name, I just have a bill of sale and my checks whcih are clearly noted to be payments for half of the equipment. The management is in some hot water over multiple shady things that were uncovered, so my complaint would be a drop in the bucket. I don't think i can take them to small claims because they'd just hide behind the business name. I am friendly with the new venue management while the old management isnt even allowed on the property, so I guess I could pillage whats left or hold something for ransom, but I certainly think that would be a last resort kind of option. Any advice on how to proceed?


Discussion Deals
g: 1 Posted By: MISTERCHEAP
Views: 224 Replies: 1 http://www.ebay.com/itm/Amazing-Stainless-Steel-Egg-Mushroom-Sli...

allow 14-30 days for shipment to arrive
Condition: New other (see details):A new, unused item with absolutely no signs of wear. The item may be missing the original packaging,or in the original packaging but not sealed. The item may be a factory second or a new, unused item with defects.See the sellers listing for full details and description of any imperfections.

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g: 0 Posted By: ctgolfer
Views: 199 Replies: 0 free shipping with Prime or on $35+

GREENnet technology reduces power consumption by up to 70% Max power savings compared with standard TRENDnet switches.
8 x Gigabit Auto-MDIX Gigabit Ethernet ports
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8 K absolute MAC address table
Store-and-Forward switching architecture with non-blocking wire-speed performance


www.amazon.com/dp/B00C2H0YFU/
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Clint Eastwood: 40-Film Collection DVD $76.99 w/FS @ Amazon
Added on : Thursday September 04th 2014 08:00:01 PM
g: 0 Posted By: ctgolfer
Views: 67 Replies: 0 Includes 38 feature films and 2 documentaries:spe

Million Dollar Baby
Mystic River
Pale Rider
Pink Cadillac
A Perfect World
Absolute Power
Any Which Way You Can
Bird
Blood Work
Bronco Billy
City Heat
Dirty Harry
Every Which Way But Loose
Firefox
Gran Torino
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Hereafter
Honkytonk Man
Invictus
J. Edgar
Kellys Heroes
Letters from Iwo Jima
Magnum Force
Midnight in the Garden of Good and Evil
Space Cowboys
Sudden Impact
The Bridges of Madison County
The Dead Pool
The Enforcer
The Gauntlet
The Outlaw Josey Wales
The Rookie
Tightrope
Trouble with the Curve
True Crime
Unforgiven
Where Eagles Dare
White Hunter Black Heart
Eastwood Factor Documentary
Eastwood Directs: The Untold Story Documentary



www.amazon.com/Clint-Eastwood-40-Film-Collection-Various/dp/B00B...
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g: 0 Posted By: PowerLifterUSA
Views: 85 Replies: 0 Unchain Your Heart Kindle E-Book

BY Karma Peters>>> After reading this book, you will know how to:

Capture the energy flow within your couple, especially what truly matters in your relationship;
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Apply the five key elements that constitute the foundation of a strong, long-lasting relationship; and
Understand why nonverbal communication can be an effective to ignite passion in your couple.

>>> Who will benefit from this book?You and your lover.
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g: 0 Posted By: remick
Views: 206 Replies: 0 http://www.amazon.com/dp/B007KO5YSM

St. Augustine Catholic Church has stood since 1841 in the Trem section of New Orleans as a community of hope and spiritual reneweal-- and along the way became a national treasure.
Organized by French whites and Free People of color, its racial make up has varied through the years,reflecting the city around it. The Civil War, segregation, civil rights unrest and Hurricane katrina have all tested the churh's existence.
But the closing of St. Augstine ordered in early 2006 by the archdiocese was its most formidable challenge ever. Inspired by their beloved pastor, Rev. Jerome LeDoux, the congregation sprand into action. Calling on support from international and local people of note, they refused to shutter the church doors and brought about an unprecedented mediation with the archbishop.
Today St. Augustine stands triumphant asa cultural, social and religious hub in Trem. From the acclaimed film Shake the Devil Offto jazz masses in Ascona, Switzerland, its fame is worldwide.
" 'All churches should be like St.Augstine,' noted Pope John Paul II during his September 1987 visit to New Orleans. War of the Pews by Rev.LeDoux is an absolute must-read for anyone interested in the hsitory of New Orleans and American religious history in general....His gripping description of events offers a unique window into the rich cultural complexity of the city with rare historical depth." Ina Johana Fandrich, PhD, author and historical researcher
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g: 0 Posted By: Savvymommy03
Views: 241 Replies: 0 Staples has theTRENDnet 8-Port Gigabit GREENnet Switch (TEG-S82g)on sale for $17.99 w/ free in-store pickup.

GREENnet technology reduces power consumption by up to 70% Max power savings compared with standard TRENDnet switches.
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3-yr limited warranty



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g: 1 Posted By: Deals4mykids
Views: 244 Replies: 0 Stock List Price $495.00
Sale Price $271.95 $316.00(64%)
Doorbuster Price: $179.00

http://www.timepiece.com/movado-museum-mens-watch-2100002.html

$179.00 is the lowest I have ever seen for this watch.

I own this I paid a little over $200 a couple years ago.
I absolutely love the watch, my only complaint is the short battery life. I just recently replaced the battery for the second time (in two years).

Stainless steel case with a black leather strap. Fixed stainless steel bezel. Black dial with silver-tone hands. No markers.
Dial Type: Analog. Quartz movement. Scratch resistant sapphire crystal.
Water resistant at 30 meters/ 100 feet.
Swiss Made.

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g: 0 Posted By: tedhawkins
Views: 76 Replies: 0 the north face Cool Horizon Woven L/S Shirt - Womens $34.95 Usoutdoor Fs on $40+

http://www.usoutdoor.com/deal/

Designed with dynamic cooling technology, Quattro stretch and feminine details, the north face Cool Horizon Shirt delivers incredible style and comfort for warmer days, when being outside is an absolute must. The Cool Horizon shirt from TNF is finished with two chest pockets, an inverted pleat and constructed with a quick drying, 100% nylon cooling woven fabric.
Features of the the north face Cool Horizon Woven L/S Shirt - Womens

Fabrics/Materials: 100% Nylon cooling woven fabric
Sun Protection: Yes, UPF 50
Quick Drying: Yes
Fit: Relaxed
Pockets: Two chest pockets
Quattro stretch
Button center front placket
Roll up sleeves


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8-Port TRENDnet Gigabit GREENnet Switch $19.99 AC FS @ Newegg
Added on : Tuesday August 26th 2014 09:00:08 PM
g: 0 Posted By: Xenocrates
Views: 0 Replies: 0 8-Port TRENDnet Gigabit GREENnet Switch $19.99 AC FS @ Newegg
Coupon Code:EMCPBHD47- $10 Off

GREENnet technology reduces power consumption by up to 70% Max power savings compared with standard TRENDnet switches.
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4.6/5 Stars based on 709 customer reviews onAmazon.

Next lowest price onGoogle Productsis $29.94 shipped from a rated merchant.
g: 0 Posted By: DizzyT71
Views: 140 Replies: 0 Newegg has the PlayStation 4 DualShock 4 Wireless Controller for Pre-Order (White)on sale for $49.99 with free shipping.

Compare at Amazon for $59.99.

Precision Control: The feel, shape, and sensitivity of the DUALSHOCK 4's analog sticks and trigger buttons have been enhanced to offer players absolute control for all games on PlayStation 4.
Charge Efficiently: The DUALSHOCK 4 Wireless Controller can be easily recharged by plugging it into your PlayStation 4 system, even when on standby,or with any standard charger with a micro-USB port.
Innovative New Features: Revolutionary features like the touch pad, integrated light bar, and built-in speaker offer exciting new ways to experience and interact with your games and its 3.5mm audio jack offers a practical personal audio solution for gamers who want to listen to their games in private.
Sharing at your Fingertips: The addition of the Share button makes sharing your greatest gaming moments as easy as a push of a button. Upload gameplay videos and screenshots directly from your system or livestream your gameplay, all without disturbing the game in progress.


4.3/5 Stars based on 1,132 customer reviews on Amazon.
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LG 70LB7100 TV $1499 Microcenter In Store Only - BB Price Match (YMMV)
Added on : Saturday August 23rd 2014 08:01:45 AM
g: 0 Posted By: jross424
Views: 208 Replies: 0 Just purchased the LG 70LB7100 70 LED HDTV - I have been looking at this for a while, best previous legit price was $2099 from beach camera. Microcenter has it in store only in Northern Virginia store (no shipping) for a scalding $1499! I live in PA, not VA, but travel to the region frequently and was able to get Best Buy to match price and provide free delivery - had to bring the in-store flyer to a nearby Best Buy and get the price match. Just a phenomenal deal; even better when you use a BB credit card and get 10% back ($150) in BB reward points.

The LG LB7100 series is a very well regarded HDTV with direct LED lighting, WebOS, and many more features. At this price it is an absolute steal.

Note that BB policy may prevent price match with delivery to a remote location (hence the YMMV), but I had no problems.
TV Deals
g: 0 Posted By: robronson
Views: 108 Replies: 1 FWF is about maximizing value from your financial decisions. This is my first year doing real self-employed work as my full time thing with a 6-figure income. I've done a bunch of tax planning and am revisiting for the rest of the year now that my total 2014 income is easier to predict. I made several tracking estimation spreadsheets along the way and identified "bend points" whereby it would be extremely valuable to get a little bit extra of a business deduction, as well as other income threshholds where the additional business deduction was much less valuable.

For example, the Traditional IRA phaseout occurred for me at around $95k gross income. At that income point, when you factored in my YTD business expenses, 401k/HSA contributions, 1/2 of SE Tax deduction, etc, I was able to deduct a Traditional IRA from my income. There's a bit of a step to the phaseout, but for simplification of discussion, if my income were to stop at just above the $95k gross mark, I'd be heavily incentivized to waste, I mean spend money on "business things" that could push my AGI down.

Also in my case, at around $125k Gross Income, I reached the point where FICA was no longer required to be paid. Thus, as my income got to $130k+, it made less sense for me to waste money on business things (like a new computer I only kind of sort of want, rather than absolutely need) because ever dollar of income reduced beyond that point is 12 cents less of FICA deduction. Whereas when my gross income was in the $115k range, every marginal dollar spent on business stuff had an extra ~12 cent value, meaning everything was ~12% cheaper (out of pocket).

I'm currently in the "weird" place where I'm exceeded the FICA annual cap but haven't yet made it into the 28% tax bracket. Once the FICA cap was hit, the marginal benefit of each dollar of business expense dropped 12% and now I'm questioning whether I really want to waste money on the bunch of "legitimate" business expenses that I can section 179 like a new iPad and a new computer.

It seems to me that if possible, I should structure my work such that in alternating years, I keep my income below the FICA cap but above the 15% threshold and perhaps near the Traditional IRA deduction phaseout. That would provide the maximum value for business deductions. It would mean that I could only gross around $90k in that year, which means I've taken a lot of time off (4 to 6 months off). Maybe I try to get a 1.5 year gig, take 4 to 6 months off, and then rinse/repeat. That gives me alternating years where I can splurge on cool things like new iPads/iPhones (which I legitimately do use in my consulting work), and get maximum benefit from the business deduction.

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
Discussion Deals
RST Outdoor Cannes Collection Patio Furniture ~50% Off
Added on : Tuesday August 19th 2014 10:00:02 AM
g: 0 Posted By: green14
Views: 147 Replies: 0 RSTOutdoor.com is having the best deal they've had all year right now on their new Cannes collection furniture with grey wicker. The Cannes collection is on sale, plus use code CANNES14 for an extra 30% off the sale price. I don't know when this code will expire as it hasn't been advertised in about 3 weeks, but it still works as of this post and the current sale prices are the cheapest they've been since I've been watching them (a few months). Shipping is free too! There are 4 color options: Cantina Red, Tikka Orange, Bliss Blue and Slate Beige. Tikka is Sunbrella fabric, Bliss and Slate are Sunsharp fabric (also made by the makers of Sunbrella), and Cantina is olefin fabric.

For example, I purchased the Cannes Corner, Sofa and Armless Chairs (all in Bliss Blue) to make a sectional and it cost $1,679.97 with the sale and CANNES14 code instead of retail of $3,199.97. 47.5% off retail. We absolutely love this furniture. It's high quality, lightweight and beautiful! The cushions are thick and comfy and have removable covers for washing. The covers don't cover the bottom side, which is mesh to allow water to flow through.

http://www.rstoutdoor.com/collection-cannes-blue
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RST Outdoor Coupons
g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

Most of the blogs I've read online (and I've forwarded to him) that argue the insane cost of commuting take into consideration the operating cost AND ownership costs into one figure. In addition to depreciation due to mileage put on the car, fuel, maintenance, etc, they would also factor in things like financing, depreciation due to vehicle age, parking, registration, motor vehicle taxes, etc and then come to a general cost per mile of ownership based on X miles driven (typically it's 15,000 miles). Those numbers vary but generally come in at about 61 cents/mile. Obviously, that number is seriously flawed if you only want to know what it costs to operate that vehicle and drive it X miles. I believe it's impractical for most people to not own a car; knowing what it costs to own it is one thing... but understanding what it costs to pull it out of the driveway and drive it X miles is critical when making decisions about investing in a home many miles away from ones' place of employment.

For sake of argument this applies to those that MUST own a car simply because they don't want to rely on bicycles, mopeds, motorcycles or any form of public transportation to commute. This applies to those that are looking at the true financial costs of commuting longer distances to work/entertainment/etc as a trade off to having lower cost housing in the suburbs/"commuter" neighborhoods.

The first consideration is depreciation... and not the kind of depreciation due to your car getting old but rather depreciation due to miles being put on the car itself. First, we need to determine the cost of an "average" car... and that comes to $31,800 as of last year. I specifically searched on KBB the resale value of cars including Toyota, Ford, Honda, Lexus, Kia and GM that were close to the $31,800 in value as new in 2013. The zipcode entered into the KBB site is in Los Angeles. For sake of ascertaining an accurate depreciation per mile we will use the "baseline" mileage at 3,000/miles per year (i.e. this is the minimum mileage I'm assuming anyone that owns a car will drive and all costs incurred per mile in this analysis are over the 3,000 mile baseline). I used 2011 model year cars for examples on each one; this would mean the car was on the road for roughly 4 years on average. I used 12 different models from 6 different makes all priced (today) at around $32K new. I inputted 3K, 8K, 10K, 12K, 14K, 16K, 18K, 20K, 22K and 24K miles and recorded the difference in value for each. Drivers that put only 3 - 8K miles year only depreciated by 8.1 cents per mile over 3,000 miles. I found that the mileage depreciation between 8,000-12,000 miles averaged about 10.6 cents/mile but when we jumped from 12,000 miles to 16,000 miles the extra 4,000 miles a year cost the owner 11.8 cents/mile hit on value ($472 depreciation). Between 15,000 and 18,000 it jumped up to 12.7 cents/mile average. Over 18,000 miles/year the cost per mile plateaued and was fairly linear in the mid 12-cent/mile range through 24,000 miles. A very conservative average between all the cars and all mileage ranges came in at about 11.4 cents so we will use this figure as the true depreciation per mile driven for all cars that have at least 3,000 miles a year being put on them. Note that older economy cars will realize depreciation rates as low as 7 cents/mile... However the same can be said on the upside where newer luxury cars will see an average 15-22 cent/mile depreciation (I tried to input some luxury cars as well that were priced at $50-$60K). I think 11.4 cents mile is on the low side but let's stick with that for the purpose of this analysis. COST OF DEPRECIATION PER MILE DRIVEN FOR CARS THAT TRAVEL MORE THAN 3,000 MILES ANNUALLY - 11.4 cents

Fuel - yes, I know you can buy a Prius that gets significantly better mpg than an average vehicle but there are many vehicles that get more than 20-30% lower mpg than the average car. I owned a Prius and only averaged 37 mpg which is no where near the EPA estimate of 50. So one needs to consider the TRUE mpg to ascertain the cost per mile in fuel consumption The average car gets 24.9 mpg and this is based on EPA estimates; in reality people will be putting well over a gallon of gas in to travel 24.9 miles. In fact, sitting in slow-moving bumper-to-bumper traffic kills EPA estimates by a good margin. But to stay conservative, we'll use that figure 24.9 figure. 24.9 mpg translates to 15.1 cents per mile at $3.77/gallon (national average). I pay over $4.35 for fuel where I live but again, averages trump real world for the sake of argument. COST OF FUEL PER MILE - 15.1 cents

Average maintenance cost for a vehicle is roughly 5.3 cents/mile. There are countless studies that break this data down and this is simply an average. It varies from as low as 4.1 cents to as high as 6.8 cents with the most common coming in at about 5.2-5.5 cents. This includes tire replacement, wiper replacement, oil changes, filter changes, wear and tear/maintenance of vehicle components, etc. COST OF MAINTENANCE PER MILE - 5.3 cents

Insurance costs are slightly lower for those that commute less. There are insurance companies that base their rates on miles driven and others that give discounts for those that put a relatively low number of miles on their cars. I had to check with my Allstate provider to see if there would be a difference and it was small... an increase of about $85/year if I doubled my mileage from my current 6,500 to 13,000 (I felt a little ripped off when I was told this). Based on that information, I would assume it's safe to say that one could save at least $85/year on premiums if they cut their commute by 6,500 miles. This translates to 1.3 cents/mile in hard costs. COST OF INSURANCE FOR MILES DRIVEN - 1.3 cents

Driving infractions/tickets/etc... Now this one is a tough one. Obviously the more you drive the more likely you are to be pulled over and be ticketed. While some people have never received a ticket in their lives others get tickets every year. According to national law enforcement statistics, of the 195 million licensed drivers on the road in the US, 41 million of them are getting ticketed every year on average. That's roughly a 1 in 5 chance of getting a ticket every year. The average cost of a ticket is $155. Insurance rates increase an average of $320/year based on one speeding ticket going 15 miles over the speed limit. So if there is a 1 in 5 chance you'll get a speeding ticket in a year and that cost will run you $475 that translates to an "average" of $95/year on speeding infraction costs. If the average driver traverses 13,476/miles of roadway in a year that translates to 0.7 cents mile for infractions and this means getting a ticket only once every 5 years... which I could imagine is pretty low and conservative. COST PER MILE FOR TICKETS FOR DRIVING INFRACTIONS - 0.7 cents

Accidents - here is another tough one. Personal costs of injury and property damage are extremely hard to average as they can vary by a huge margin. Especially because some people can go decades without a single incident. The car industry purports that the average driver only gets into a "significant" car accident every 17.9 years or roughly 3.5 times in a lifetime. The average cost of these accidents is $23,450 of which only a small portion (assuming you're insured) comes from the driver's pocket. Assuming deductible costs, time lost, personal injury, repairs/rental not covered by insurance, etc, we'll very conservatively peg this cost at $1,000/per "significant" accident as a direct cost to the driver.That's $3,500 over a lifetime. Over 843,600 miles (what the average person drives over a lifetime), that comes to 0.4 cents/mile. Again this is a very low figure and does not take into account countless minor fender benders which can easily cost several hundreds up to a couple thousand to repair especially if you didn't want to report this to insurance in fear your rates will go up. COST PER MILE FOR ACCIDENTS - 0.4 cents

Toll roads - Depending on where you live and work, toll roads can easily add 5-10 cents/mile on to your commute... possibly much more. However, this isn't applicable everywhere (we have no toll roads in my state) so I am leaving this one out of the equation. If you live in an area that requires you to traverse toll roads you'll have to include this in your calculations.

Total cost to OPERATE a vehicle PER MILE (over 3,000 miles/year) not including toll roads - 34.2 cents per mile.

The point of getting this average is so people can better calculate their finances should they decide to live in a commuter city/neighborhood or suburb vs living in or near the urban core. One could point out that you could save much more if you don't buy a car at all. That's very true. The 34.2 cents/mile operating cost is only about half the cost of total ownership and operations but this is the cost of the mileage applied to a car you already own and need. Note that if you own a newer luxury model that gets not-so-stellar fuel efficiency, the 34.2 cents/mile can easily exceed 50 cents/mile on operating costs only. To be fair, I did an analysis on an older (12 years old) more fuel efficient economy car (35 mpg) with an original purchase price of $20,000 and the cost to operate dropped to a low of 21 cents/mile. But this is an extreme example on the low end and not realistic for most. I think most people that can afford to buy a home will own cars that are at least "average" priced and aged.

Now that I know what it costs to take the average car one mile on the road, I wanted to see just how this impacts housing prices and rents. To be fair, the overwhelming amount of people that live in town also commute shorter distances to entertainment venues, restaurants, places of interest, etc etc. So if there are 241 work days in a year it's fair to add another 52 days of commuting into town per year (that's one extra drive into town PER WEEK, which is very conservative, in my opinion). That means 293 days of commuting into town for the average person (driving into town an average of 5.6 times/week). If that average person lives 30 miles from town, that's 293 days x 30 miles x 2 trips = 17,580 miles. If one lived in town, and had a 5 mile commute, this comes to 293 days x 5 miles x 2 trips = 2,930 miles. So while the person living 30 miles from work is commuting 12,050 MORE miles every year (work commute only) than the person that lives 5 miles from work, they are also driving an additional 2,600 miles year because of their proximity to places they need to drive to that are outside of their place of employment. So for every individual mile one lives further from work (2 mile round trip commute) it translates into $200.41/year in direct costs for ONE car (293 days x 1 mile x 2 trips x 34.2 cents = $200.41/year). If it's two cars commuting (which is more common in households these days), you are looking at double that or $400.82/year.

$1,000 in mortgage costs @ 4.5% amortized over 30 years is $4.21/mo or $50.52/year. So for every one mile you live further from work/play, this translates into $3,966 in additional home purchase price you can afford or $16.70 in additional rent you could afford. If you have two cars making the same commute, double that to $7,934 in home value or $33.40 in rent for every single mile you live further from work. Many people in my place of employment chose to live ~30 miles or more away where housing is cheaper. If the difference from my 5-mile commute is 25 miles traveled (50 miles/day), it comes to $99,150 in mortgage and $835/mo in rent. and you'll have to double that to $198,300 in additional mortgage they could afford and $1,670/mo in additional rent they could afford if they had a two-car household. This does not even consider that of your mortgage payment roughly 1/3 of the payment goes back to your pocket in principal payments (i.e. forced savings) and the other 2/3 of the mortgage payment is (at least for now) 100% tax deductible. Arguably, if you look at the bottom line (forced savings + tax deduction benefit assuming a conservative 30% state and fed combined tax rate), each mile you live further from work translates to roughly $7,100 in additional mortgage payments one could afford for each and every car attached to that home that makes that work commute. All while your mortgage is fixed and your car's operating costs continue to increase over the years. Assuming the above assumptions are accurate, living 10 miles closer to your job can allow you to afford $71K more in a house purchase and that's just with one car. Double that for a two-car commuting family and quadruple it to $284K for the same family living 20 miles from work.

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
Discussion Deals
Credit Card Bonuses: The Last AOR
Added on : Friday August 01st 2014 07:00:13 AM
g: 0 Posted By: alamo11
Views: 97 Replies: 1 Okay: So now that my friend closed on his new home and did his refi (see my previous thread for that whole fiasco) it's time to do the last AOR before he quits paying on his old house (I'll make a thread about how to REALLY piss off a banks loss mit department). It's been YEARS since I did an AOR so I need FWFs advise on what cards to get. His wallet consists of just a few cards. I also have permission to AOR is wife so I can double up on everything.

Details:
HHI 150k
800+ Credit
22 Mortgage related inquiries and zero on others
3 Mortgage related inquires and zero on others for his wife.

Current Cards:
Costco AMEX
Old Discovery with 1/2% CashBack or something crazy like that
BOA Travel Card
A few store cards

Purpose:
He's planning to do some travel early next year to South America. I plan to use some of the earnings here to book some of the required travel for that. That being said cash and gift cards are also welcomed.


The Plan:
Since short term credit is going to be trashed anyways I can do as I please on this AOR. I have an easy way to do 50k+ in spending on the cards so min spending requirements are absolutely not an issue.
So far I have only chosen a few cards I plan to do. I plan to do this Monday morning so that gives me some time to plan.

Future Cards:
1.CP { margin-bottom: 0.08in; }A:link { }iti Aadvantage 75k offer http://www.aa.com/i18n/disclaimers/BP-ACExec-75K.jspP { margin-bottom: 0.08in; }A:link { }iti Advantage 75k Offer. My understanding is you can do one citi app every seven? days so I plan to do one card and come back in a week and do another.
2. Cap 1 Venture cards. C1 limits one app per 30 days so if I do both the venture and both the Spark cash cards back to back I can get them through. I've tested this with other C1 products and it worked (on my credit)
3. Barclays Arrival+ Card
4. Chase Sapphire Preferred
5-20 ???

Thank you in advanced!
AOR Deals
g: 0 Posted By: remick
Views: 12 Replies: 0 http://www.amazon.com/Teamrock-Com-Presents-Absolute-Bunker-Sess...
VEHICLE REACQUIRED - Title??
Added on : Monday July 28th 2014 01:00:07 PM
g: 0 Posted By: DEAL007
Views: 33 Replies: 0 Looking to buy a vehicle from a used dealership and on the carfax of this vehicle it states
VEHICLE REACQUIREDVehicle reacquired by the manufacturer pursuant to applicable state consumer warranty laws or to promote customer satisfaction.

so i asked the dealer what does that mean and he said
We bought that car directly from Lexus. The original owner complained because they were having to have something fixed under the warranty and even though it was repaired the manufacturer stepped in to make sure the customer was happy and bought it back from them. This happens all the time especially in certain states where the law is very consumer friendly. These cars are known as manufacturer buy backs. We love the Manufacturer buybacks and we buy them whenever we can. What happens is after it is repurchased by Lexus it's owned by them and they go through the whole car and make sure everything is exactly as it should be and then they sell it to us or another dealer with a guarantee that there are absolutely no existing problems with the car. That's one of the reasons why we like them. The other reason is because when we buy them from Lexus we can buy them for a little under what they would typically cost with that low of mileage this means we can sell them for a better price
Then i asked him about , does it have full warranty and he said the following it has the factory Lexus warranty that you would get on any Lexus. The Arizona title will indicate that it has been bought back by the manufacturer but it's not the same as a salvage title. You can still finance a buyback as well as get full coverage insurance and of course it has a factory warranty.

anyone have any experience in this buy back and your thoughts on it. i have never heard of this manufacturer buy back title.. shouldnt it be just a clean title as anything other car with normal repair.

g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/dp/B00M4ZHPFW

Living in Nightmares: The Jones Story

The frightening, true story of a family doomed by evil, madness, abuse, insanity and finally death. Living In Nightmares: The Jones Story is the factual account of the story of the children of Richard E. Jones by his first wife Virginia, written by his eldest daughter, Dee Lynn. Nothing can prepare you for the things that come to light in this story.

The twist in the story is the demonic presence that plagued the family. Was the father possessed? Some family members say that he was absolutely without a doubt. Strange changes in him would bring about a vicious, dangerous man. He had never drank alcohol or used drugs ever. This was a possession if ever there was one.

The first born child, a son would end the torturous abuse in October 2011 during their final altercation. Abused for fifty years of his life he would fight back for once and the evil would be done but the abuse would continue it seems from the father's grave.
g: 0 Posted By: ctgolfer
Views: 143 Replies: 0 World class rotisserie oven designed to start cooking immediately and quickly, using 1/3 less energy than your conventional oven
Elegant, easy to clean, non-stick surface wipes clean with damp cloth in seconds
Non-stick dishwasher safe pan makes cleaning up a snap
Removable class door is dishwasher safe
13? tall ? fits directly under standard cabinets
Exterior handle stays cool and allows you to easily access your finished meals
Removable heat shield helps brown your meat to absolute perfection

www.amazon.com/ST5000PLGEN-Showtime-Rotisserie-Platinum-Edition/...
Appliance Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 52 Replies: 0 3G & 4G LTE 800,850,900,1800,2100,2600

A revolutionary new device that converges the best of a high performance smartphone and camera, the GALAXY S4 zoom delivers the best of both worlds. Combining 10x Optical Zoom, 16 Mega Pixel CMOS Sensor, OIS and Xenon Flash with the very latest Samsung GALAXY S4 technology, the GALAXY S4 zoom sets new standards for perfect mobile photography. It is the ultimate smartphone and camera experience in one, and the only device youll ever need.

Features


Zoom Ring

A simple and intuitive way to access the GALAXY S4 zooms key features. When youre in the middle of a phone call and you see something you absolutely have to share, a quick twist of the Zoom Ring will activate the In-Call Photo Share feature, letting you capture and send an image directly via MMS to whoever you are talking to simply.

Photo Suggest

Instantly connect to A huge libraries of images taken by fellow photographers, to help you find and compose your best shots anywhere in the world. Photo Suggest can even direct you to the ideal nearby location which will give you the vantage point you need for that perfect photo.

Smart Mode

Simply choose from a series of pre-set modes and the camera will automatically adjust to ensure you capture the best photo possible. Use Drama Shot to merge continuous shots of moving objects into a single composed image, or Action Freeze to instantly capture high-speed action. If you arent sure which Smart Mode to select, the Smart Mode Suggest feature can assess the scene for you and provide a short list of the best options for your consideration based on surrounding factors such as light levels, focal length, or face detection, ensuring you always get the best shot you want.

Story Album

lets you arrange all of your treasured images and videos into one timeline to share with friends and loved ones. You can also edit images and even order prints directly from the device.

www.ebay.com/itm/Samsung-Zoom-S4-C1050-Factory-Unlocked/20113102...
g: 0 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/gp/product/B00HXYVD1Q/

The author writes with humor from the perspective of a working single parent of 3 children under the age of 12, who just cant keep her house clean. From the jackets on the back of chairs to the socks in the living room, the reader is invited to join the author while she makes small changes that have a big impact on the tidiness of her home.

This short book, details the authors journey towards changing her messy ways, in 7 days. She is honest and thoughtful and provides insight into the life of someone that absolutely hates to clean.

Its a quick read, with great inspiration for others in her situation.



Austerity Housekeeping
http://www.amazon.com/gp/product/B00ASDW1U6

NOW INTO SECOND EDITION! Based on the popular and widely syndicated blog, http://www.austerityhousekeeping,wordpress.com, this book is a modern manual for achieving domestic Bliss, for people with limited time and money. It covers the basics, but also includes advanced techniques, so everyone can learn something. It is full of straightforward practical advice, based on historic housekeeping strategies that all our grandmothers were taught at school, but completely revised for the 21st century. Checked, reviewed and improved by over twenty busy parents, there is a wealth of information here. Economical menu planning and linked shopping lists, time and money saving healthy recipes, bulk cooking projects, setting up and moving home, interior design, sleep hygiene, streamlined cleaning tips and schedules, financial planning and recovery, tips for a stylish and well kept wardrobe, beauty advice, family time management, coping with Christmas, low cost vacations, the philosophy and psychology of housekeeping, school fete planning, children's birthday parties on a budget, disaster planning - it's all in this book.
Books & Magazines Deals
g: 0 Posted By: daggett
Views: 164 Replies: 1 Blade-Tech Praetor Defense Glock and M&P holsters $11.70+s&h with code PRAETORCLEARANCE

Made by Blade-Tech for Praetor Defense. There are still right and left handed Glock and left handed M&P Compact holsters left, and various SIG/M&P mag pouches from $6.48. Enter codePRAETORCLEARANCE at checkout. I've run their LH G19 holster for years in matches, classes, and daily carry. I generally dislike OWB holsters but this one is slim, sleek and rides close. Due to my build and attire, I generally can't conceal an OWB at all but this one is almost as easy to conceal as an IWB. It is absolutely one of my favorite holsters at full price, and is a no-brainer at less than $20 shipped.

Just to head this off at the pass, and in the interest of full disclosure - the founder of Praetor Defense is an acquaintance of mine and is in a difficult situation right now. I assume that Weaponoutfitters.com is aggressivley dumping the inventory. The legal difficulties of the founder are outside the scope of this deal and discussion.

Link to respresentative holster: http://www.weaponoutfitters.com/praetor-glock17-rh.html
Link to all Praetor Defense products on site:http://www.weaponoutfitters.com/praetor-defense.html
Guns & Ammo Deals
Free Chromatic Tuner with Tone Generator for iOS
Added on : Thursday July 24th 2014 05:00:20 AM
g: 0 Posted By: remick
Views: 75 Replies: 0 https://itunes.apple.com/us/app/id528923171?

***Featured on Apple's "New and Noteworthy","New", in US, UK, Australia and many more stores.***
*** Featured by FWA Mobile "Mobile of the Day" ***

insTuner is a chromatic tuner that helps you tune instruments quickly and accurately. It also features a Tone Generator just like a pitch pipe with four different wave forms.

With advanced DSP (Digital Signal Processing) algorithm, it is highly accurate (1/1000 semitone or 0.1 cent precision). Rather than providing only one mode like other tuners, insTuner supports different tuning units applicable to different situations, such as Instant Tuning Unit for quick tune and play, Fine and Strobe Units for accurate tuning, FFT Unit for sound analysis etc. What's more, many advanced features are provided such as Concert A calibration, historical temperaments and transpositions, which make it more powerful than other tuners.

insTuner is well-designed and easy to use. It features a unique "fixed" note wheel, which helps you to find the position of detected pitch easily. You can also use it as an electronic pitch pipe to tune by ear, matching the generated tones.

It is suitable for tuning acoustic or electric guitar and bass, ukulele, mandolin, banjo, bouzouki, bowed strings, woodwinds, brass, timpani and more. In fact, almost any instrument that sustains a tone can be tuned using insTuner. It supports Built-in Microphone as well as Line-in and other audio interface such as Apogee One. Clip Microphone is supported too.


=== FEATURES ===
* Universal App, purchase once, available on all of your iOS devices: iPhone/iPhone5/iPod/iPad.
* Supported both Landscape and Portrait mode
* Precise to 1/1000 semitone (0.1 cent)
* Tuning Range from C0 to B8, covering the range of almost all of musical instruments
* Instant Tuning Unit
* Strobe Tuning Unit
* Fine Tuning Unit with a highly responsive tuning meter for perfect tuning
* Historical Curve Unit that shows tuning results over time
* FFT Tuning Unit for frequency analysis with Log, Linear or Note Display options
* Real-time Spectrogram Unit with Log, Linear, Note and Median Frequency Display options for real-time audio analysis
* Well-designed "Fixed" note wheel display
* Adjustable A4 (Concert A) calibration in 0.1 Hz increments
* >30 historical temperaments
* Customizable temperaments
* 12 notations
* Needle damping
* Customizable transposition options for transposing instruments
* Tone generator with four wave forms
* Line-in and Built-in Microphone Modes
* Customizable Input Channels
* Supported Apogee One


Our customers said:

Best tuner Ive ever had. Im a professional clarinetist, and Ive told all of my musician friends to use this app.

I highly recommend this app and who can beat the price. My violin teacher compared it to her personal device. She wants an ipad to get the app for her personal use.

I have the iPhone 5 and play tenor sax, I compared this to a 40 dollar tuner and its perfect

As a high school band director, I use this tuner more often than my strobo tuner. Besides the obvious portability, it is actually a bit more sensitive than the multi thousand dollar strobo and I Iove the multitude of options!

Absolutely love this app. I use it for my guitar, my sons violin and upright bass. The new features are even more amazing
Totally Free Deals
g: -1 Posted By: EffortLess
Views: 275 Replies: 0 Ships and sold by SparkyBoy Biooks and Bits
http://www.amazon.com/gp/product/B00FB45SI4

Edit:
Look at "Other Sellers on Amazon" on the bottom right and click "73used and newfrom$169.00".
The listing changes frequently and they seem to sell quick.

I bought one of these used units on sale onAmazonfor $175 (I would pay double that for all the features this thing comes with) after shipping and it arrived 3 days later. It looks and feels new other than the open seal on the box (It said it was a demo unit from a sealed display in a store). I updated the firmware fromAsus' siteand I absolutely love this router. It's fast and has tons of features, great reception, and doesn't reboot when I'm downloading torrents. The kids play their xbox and the wife skypes with relatives over seas.. and I can download my torrents and backup my mac wirelessly using the built-in support all at the same time! My old Netgear would reboot frequently and I couldn't even get WiFi reception on the 2nd floor.

I didn't know there was a router that can actually work as intended!! I'm so happy finally!



Routers Deals

Amazon Coupons
Used (basically new) AC68U $175.49
Added on : Tuesday July 22nd 2014 08:00:02 AM
g: -1 Posted By: EffortLess
Views: 94 Replies: 0 http://www.amazon.com/gp/product/B00FB45SI4

Edit:
Look at "Other Sellers on Amazon" on the bottom right and click "73used and newfrom$169.00".
The listing changes frequently and they seem to sell quick.

I bought one of these used units on sale onAmazonfor $175 (I would pay double that for all the features this thing comes with) after shipping and it arrived 3 days later. It looks and feels new other than the open seal on the box (It said it was a demo unit from a sealed display in a store). I updated the firmware fromAsus' siteand I absolutely love this router. It's fast and has tons of features, great reception, and doesn't reboot when I'm downloading torrents. The kids play their xbox and the wife skypes with relatives over seas.. and I can download my torrents and backup my mac wirelessly using the built-in support all at the same time! My old Netgear would reboot frequently and I couldn't even get WiFi reception on the 2nd floor.

I didn't know there was a router that can actually work as intended!! I'm so happy finally!


g: 1 Posted By: remick
Views: 153 Replies: 1 https://www.humblebundle.com/thewalkingdead

at the bottom

For a limited time, Skybound is teaming up with Humble Bundle to offer the first three issues of The Walking Dead absolutely free. Start your comic collection off the right way, with one of today's hottest titles.
Books Deals
g: 0 Posted By: remick
Views: 131 Replies: 0 http://www.amazon.com/2015-Astronomical-Year-Reference-Astronomy...

Have you ever wondered what's up in the night sky tonight?

Whether you're an absolute "no knowledge" beginner or an expert astronomer, this comprehensive, easy-to-use quick reference guide will give you all the details you need to find hundreds of night sky events in 2015 - many of which can be seen with just your eyes!

Written by a former freelance columnist for Astronomy magazine and lifelong enthusiast, the guide includes:
- Text highlighting "must see" events that can be easily found and enjoyed. No equipment required!
- Graphics simulating the best events as they can be seen in the sky
- Monthly highlights of what can be seen in the pre-dawn and evening sky, including the Moon, planets, bright asteroids, meteors, bright stars, constellations and deep sky objects
- Descriptions of key astronomical events for each important date

And for more advanced astronomers:
- Details of astronomical events, including conjunctions, eclipses, elongations, oppositions and meteor showers
- Technical information for key events, such as object magnitude, distance and apparent size
- Angular separation for conjunctions
- Culmination dates for bright stars, constellations and all 110 Messier objects

Whether you're planning a night out under the stars or simply want to learn more about the heavens above us, you can find it all in this guide to the astronomical year.
Totally Free Deals
g: 0 Posted By: lovelybones
Views: 193 Replies: 0 C.E.T. Enzymatic Oral Hygiene Chews for Petite Dogs, 30 Chews $7.99 free shipping or prime shipping

Amazon - http://www.amazon.com/C-E-T-Enzymatic-Hygiene-Chews-Petite/dp/B001P3PR54/ref=sr_1_fkmr3_1Prime shipping.

If you don't have prime shipping you can still get it for $7.99. + Free Shipping Look under Other Sellers on Amazon and choose Sold by: AbsolutelyPets

4.4 stare with897 customer reviews.

Combines natural antiseptic activity with abrasive action for clinically proven plaque control
Exclusive Dual-Enzyme System eliminates plaque-forming bacteria
Made using select beefhide
Give your dog at least 1 chew daily to reduce plaque and calculus
Please read all label information on delivery

Nylabone Dura Chew Bone - (souper size) Orginal Flavor $8.09 Prime shipping
http://www.amazon.com/Nylabone-Dura-Original-Flavor-Souper/dp/B0...

Long lasting durable nylon chew with new textured design
Especially designed for strong chewers
Extra large chew for large dogs
Made in the USA
This long lasting chew is made from durable nylon, and is especially designed for strong chewers.
Made in the USA.
Souper

Nylabone Roast Beef/Chicken Variety 34-Count Pantry Pack - $24.85 Prime shipping
http://www.amazon.com/Nylabone-Chicken-Variety-34-Count-Pantry/d...

All natural
Chicken flavor



This is a list ofsome Add-on itemsthat I like. These items ship with qualifying orders over $25.

Nylabone Dura Chew Value Pack, Regular $4.99 Free shipping for Prime members when buying this Add-on Item.
http://www.amazon.com/Nylabone-Dura-Chew-Value-Regular/dp/B0002A...

These chews are made from durable nylon, and are especially designed for strong chewers.
Made in the USA.
Made in the USA
Recommended for dogs up to 25 pounds


Nylabone Puppy Chew Toy Starter Kit - $4.89 Free shipping for Prime members when buying this Add-on Item.
http://www.amazon.com/Nylabone-Puppy-Chew-Toy-Starter/dp/B0002DG...

These chews encourage puppies to develop non-destructive chewing habits.
The safe and appealing shapes satisfy a puppy's natural urge to chew.
Made in the USA

Nylabone Durable Dental Dinosaur Chew Toy (Dinosaur Varies) $4.99 Free shipping for Prime members when buying this Add-on Item.
http://www.amazon.com/Nylabone-Durable-Dental-Dinosaur-Varies/dp...
Designed for powerful chewers. Gently rounded dental nubs and bristles raised during chewing help clean teeth plus control plaque and tartar build-up
Suitable for dogs up to 50 pounds
Available in Brontosaurus, Stegosaurus and T-Rex

Nylabone Healthy Edible Puppy Lamb and Apple Petite Pet Chew Toy (petite only) $4.22 Free shipping for Prime members when buying this Add-on Item.
http://www.amazon.com/Nylabone-Healthy-Edible-Puppy-Petite/dp/B0...

Supports brain and eye development
Gentle enough for puppies 3 months and older
Completely edible and as digestible as super-premium dog food

Nylabone Happy Time Puppy Chews, 8-Count Pouch, Net Wt. 6.5 oz. $3.99 Free shipping for Prime members when buying this Add-on Item.
http://www.amazon.com/Nylabone-Happy-Puppy-Chews-8-Count/dp/B004...

Our patent-pending technology makes Happy Time edible chews more flavorful and longer lasting.
Each Happy Time edible chew is made with Real Chicken and contains vitamins and minerals.
These natural chews have no added sugar, salt, preservatives, artificial colors or fillers.
All Nylabone Happy Time edible chews are made in the USA

Pack Puppy Teething Ring, Pumpkin Flavor $4.99 Free shipping for Prime members when buying this Add-on Item.
http://www.amazon.com/N-Bone-6-Pack-Teething-Pumpkin-Flavor/dp/B0091U8XY0/ref=pd_sim_petsupplies_5

Calcium helps maintain healthy teeth and bones
Dh?r omega 3 helps promote healthy cognitive development
Pliable texture is safe for puppy's new teeth and helps soothe teething pain and sore gums
Deliciously low in fat
DHA Omega 3 helps promote healthy cognitive development


.





Pets Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 129 Replies: 0 http://www.amazon.com/gp/product/B00LSSG0Q6/

REARING RABBITS, CHICKENS, DUCKS & GEESE
A Comprehensive Introduction to rearing 4 of the most popular animals to be found around the Homestead or farmyard, with this bundle of 4 books in one.
Offered here at a Huge Discount on the individual book price.

BOOK 1 - REARING RABBITS
1 - Choosing Your Rabbits: With so many rabbits to choose from how do you know what is best for you and your particular plans? Here you will find a selection of the most popular rabbit breeds., whether choosing your rabbits for the best meat production, pelts or indeed as pets!

2 - Caring For Rabbits: If you want to get the best out of any livestock, then you must know how to care for them properly. Invaluable information on how to feed and care for your rabbits for best results.

3 - Costs & Considerations: How much does it cost to set up at rabbitry, and what could be the profitability of such an exercise?

Case study to look at the possible costs and profitability of breeding rabbits, looked at from a commercial and domestic viewpoint. Subjects covered include the numbers to be expected over a 1 year period, as well as start-up costs for 1 Buck and 3 Does using the New Zealand White rabbit a an example.

4 - Killing & Butchering: If you are raising your animals for meat, then information on how to dispatch your rabbit cleanly and efficiently is absolutely essential. Here are details on just how to achieve this with minimal stress to the animal, as well as how to dress or prepare the carcase.

5 - Glossary of Terms: A selection of over 60 popular terms used amongst rabbit breeders. Do you know what Binky means? Or perhaps what to do if your rabbit is Kindling? Check out these and other important terms here.

6 - Rabbit & Game Recipes! A selection of tasty rabbit and game recipes courtesy of F. A Paris from her excellent slow Cooking book "Slow Cooking Heaven.'

BOOK 2 - DELIGHTFUL DUCKS:
1 - Duck Care: How to care for your ducks to ensure healthy birds, including shelter, feeding and caring for goslings.

2 - Duck Breeds: A selection of the most popular breeds to keep whether for meat or for eggs. Including popular bantam duck breeds.

3 - Duck Preparation: How to prepare you duck for the table or for sale.

4 - Duck Recipes! Last but not least, A selection of tasty duck recipes courtesy of F. A. Paris from the 'Slow Cooking Heaven' recipe book.

BOOK 3 - GOURMET GEESE
1 - Caring For Your Geese: How to make sure your animals prosper from gosling stage to full adult, with instructions on proper shelter, feeding routines and health issues.

2 - Keeping Your Animals Healthy: How to be sure that you stay ahead of any potential health problems, and what to do if your animal becomes sick for any reason.

3 - Preparing For The Table: If you are rearing geese for the table then this is an essential piece of information to have. Includes instructions on how to dispatch your animals as humanely as possible, and how to prepare the bird for the table. Includes instructions on the best methods for plucking, cleaning and cooking your goose.

BOOK 4 - CHUNKY CHICKENS:
1. A glossary of 30 terms relating to the keeping of poultry, that will ensure you of a basic understanding as to what it is all about.

2. Keeping chickens for eggs or meat? This is a list of ten of the most popular chicken breeds along with a brief description of the birds and whether they are most suitable for egg production or for the meat.

3. Should you have a static chicken coop, or a chicken tractor - and what is the difference anyway? This is a simple look at what your chicken shed requirements may be, and how to choose the best hut for your hens.

4. Chicken feed - This section will show you what to feed your poultry during the different stages of growth, from baby chick ,to point-of-lay pullet, to full production egg-laying chicken.

5. Dressing Your Chicken. This is all about how to dispatch your chicken humanely and how to prepare the bird for the table - complete with picture
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FREE 6 oz. Whiskey Flask - FB
Added on : Saturday July 19th 2014 12:00:04 AM
g: 0 Posted By: imagine1128
Views: 52 Replies: 1 Facebook "Like" and Share

https://www.facebook.com/pages/Independent-Whiskey-Association/6...

This Whiskey Flask is absolutely free including shipping.

Features of our flask:

Holds 6 fluid ounces of the beverage of your choice
Hinged Screw-on Cap with Knurled sides for easy grip
Curved design for comfort

Offer good while supplies last.
Food & Grocery Deals
g: 0 Posted By: tedhawkins
Views: 177 Replies: 1 Yubi Power 2 Batteries kit for GoPro 1280 mAh and Travel Charger Kits for GoPro HD HERO3, 3+, GoPro AHDBT-201, 301, 302 $11.99 w/code FS Prime

http://www.amazon.com/Yubi-Power-Batteries-AHDBT-201-AHDBT-301/d...

Apply code ABS9UHF3

Also the Yubi Power 2 Batteries kit for GoPro 1280 mAh is available @ $5.99 w/code O5L43BTH

http://www.amazon.com/Yubi-Power-Batteries-AHDBT-201-AHDBT-301/d...

Yubi Power 2 Batteries kit and Travel Charger Kits
In today's modern technology, almost everyone have different devices like cell phones, tablets, cameras, and many more. People use them for communication, games, and for capturing photos. However, since these devices only have limited battery life, some of the users cannot enjoy all of the features. That is why rechargeable batteries and portable chargers became in demand so they can enjoy their device's amazing features. Yubi Power 2 Batteries kit and Travel Charger Kits allows you to use your GoPro device up to ten times longer compared to using its original battery alone. It is specially made for GoPro cameras so you can capture every extraordinary moments that is worth keeping.

Product Details:
Two Battery Packs - This kit has two battery packs, which uses 1280mAh. It is the latest and highest mAh so you can enjoy ten times longer battery life. You can also charge the other battery while using the other one so you can enjoy unlimited use of your device.

Specially made for - GoPro HD Hero3, Hero3+, GoPro AHDBT-201, AHDBT-301, and AHDBT-302.

Charge Indicator - It has an indicator so you can see if the battery is charging or if it is fully charged. Make sure that the batteries are fully charged before unplugging it to enjoy its maximum performance.

Car Charger - The kit includes car charger, which is perfect for either short or long travels. It lets you charge your batteries while you are in the car so you can enjoy your device's features once you reach your destination It is absolutely fast, easy, and convenient.

4 different plugs - It also includes four different plugs so you do not need to use a converter in order for it to fit a certain socket. It includes Eu Plug, Au Plug, Italian Plug, and UK Plug. These four are some of the most common plugs so you can charge your batteries anytime and anywhere.
Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 35 Replies: 0 What You Absolutely Need To Know Before Remodeling Your Home: Leverage 20 Years of Successful Contracting Experience to Tackle Any Size Project
http://www.amazon.com/gp/product/B00KP1UMKW/

4.9 out of 5 stars (7 customer reviews)

What You Absolutely Need To Know Before Remodeling Your Home contains some of the best advice you could hope for if you are about to remodel your home or office. This book not only covers numerous time-tested remodeling tips that will help you avoid some of the most common disasterous mistakes but many product tips for making the right selections and where to find them. It also includes a detailed interview worksheet with 37 "must ask" questions when searching for the right contractor for your project - one who you can trust. I paid the price to acquire the skills of my trade, and for about the price of a double skinny latte, you can leverage my 20 years of experience to tackle any size project with more confidence and less stress.
Totally Free Deals
Current Financial Situation: Need Advice
Added on : Monday July 14th 2014 11:00:05 PM
g: 0 Posted By: nickygrahn
Views: 38 Replies: 0 Hello fellow forum members. This is my second topic since I've been registered here and the previous input was very helpful for me, so much so that I'm seeking advice again. This may get lengthy but I want to describe to the best of my ability what my current situation is financially. What I'm looking for is some inputs, though I know they'll be varied, on what I should do for future security. So here it is and again, I greatly appreciated the previous input. Your guys' knowledge with money is fantastic and I'm sure you have changed lives.

My Debts:
Home mortgage FHA @ 3.5% which is on the second year and already have paid off 10K in principle out of the 145K loan. This was a 30 year loan and the minimum payments is $1050 a month. This payment includes home insurance, taxes and mortgage insurance
Personal loan, which is used as my business loan, has $11,800 left @ 9%. Used to be about 19k but I sold some useless things and paid it down. Minimum payment is $450 a month.
Auto insurance is $1050 total every 6 months for wife and I.
Other misc. monthly bills which include cell phone, internet, home utilities and food average out to be around $500.


My business nets about $1,500 a month currently but I only need to pay our mortgage and my business loan. However, after doing that I have absolutely nothing left. Obviously, making $1,500 a month is not a lot and that's some of the reason I'm posting (more on this later**). The way I'm looking at things is I'm subtracting my current net of $1500 from the mortgage and personal loan, leaving literally $50 which I'm actually okay with since my wife is making $40k a year and we don't have other debts. The thing is, my money is mine and hers is hers. That's how we've agreed to do things and it actually works very well. I used to make more money when I had a job as well as my business but I left due to my inability to work under a boss.

Being self employed is something I like very much and I refuse to get a job. I've left a half dozen jobs in the past year, not even kidding, one of them being a top 100 company to work for according to Fortune Magazine. So with that said, I have the ability of expanding my current business due to someone retiring. I would need to take out an additional $20,000 for the expanding of my businesses to make another $800 net a month. I talked to a couple of bankers and they said a 5 year loan @ 8% interest would be around $650 a month of I included the current loan I have of $11,800. This would leave me with an extra $600 a month.

Is my vision wrong looking at things this way? Taking out money from a bank without having a savings or any other investments other than some business equipment frightens me. I could grind out what I'm doing currently, but this opportunity doesn't come very often. I know I could force myself to pay a loan faster to avoid paying excess interest since I've done that in the past. Judging from what you see on my post, do you have any feedback? Getting tired so I'll end the post here. Thanks for reading and chiming in!

Insurance Deals
g: 0 Posted By: zorrolives
Views: 214 Replies: 0 Choose family 4 pack

The Sawyer Mini is ideal for outdoor recreation, hiking, camping, scouting, domestic and international travel and emergency preparedness
High performance filter fits in the palm of your hand, weighs 2 ounces and filters up to 100,000 gallons (30 times more than comparable filters)
Attaches to included drinking pouch, standard disposable water bottles, hydration packs, or use the straw to drink directly from your water source
Removes 7 log (99.99999%) of all bacteria and 6 log (99.9999%) of all protozoa
Sawyer's certified 0.1 micron absolute filter removes bacteria and protozoa at a higher rate than accepted EPA guidelines

Home & Garden Deals

Amazon Coupons
g: 0 Posted By: DizzyT71
Views: 96 Replies: 0 hillfly3389 via eBay has theSolar Power Steel LED Light Pathway Path Step Stair Yard Wall Garden Lamp (6-Pcs)on sale for $31.99 with free shipping.

Description:

Brand new stainless steel Solar Power garden yard stair step Lights.
These energy-efficient, low-maintenance solar lights add a charming, decorative glow to your driveway, patio, or flowerbeds. They are a must-have for everyone's garden or yard. Each light is made of stainless steel durable for years of use. Simple assembly is required.
The solar panels convert sunlight into electricity during day time and recharge the battery. At night, the light turns on automatically.
Light be set to one solid color
Absolutely no wiring and easy to install
Lights up to 6-8 hours if fully charged
Recharged by solar panels under sun light
Automatic sensor activates at dusk with AUTO/OFF switch
Ideal for areas where conventional electrical supply is not available
Safe and waterproof, Provides longer life in all weather conditions


Specifications:

LED bulbs ( 1.2V / 0.2W / 10000MCD)
1 solar rechargeable AAA Ni-Mh battery included
Made of stainless steel durable for years of use
Suitable for pathway / staircase / step / garden / yard / wall / drive way
Dimension: 140mm (L) x 95mm (W) x 23mm (H)
Color: Silver case, white LED


Package Included:

6 x Solar Powered Lights LED Pathway Path Step Stair Lamp

Garden Deals

eBay Coupons
g: -1 Posted By: Ravi9x
Views: 779 Replies: 1 New Sony Camera Case # LCM-CSVH - $10 shipped (reg. $25) at dailysteals.com

Absolute perfect size camera case for the Sony RX100 Series cameras (I, II, or III). Features shock-proof semi-hard front shell, unique discrete hidden zipper (prevents scratches on camera screen when putting in / taking out camera) with 2 zipper pull straps each with rubber grips, velcro closure belt loop in back, plastic carry hook on top in back, and removable shoulder strap included. Black color case with gray color diagonal stripe in front and "Sony" logo within stripe. Brand new in retail package.

LINKY to deal
DailySteals.com Deals
g: 0 Posted By: Ravi9x
Views: 260 Replies: 0 New Sony Camera Case # LCM-CSVH - $10 shipped (reg. $25)

Absolute perfect size camera case for the Sony RX100 Series cameras (I, II, or III). Features shock-proof semi-hard front shell, unique discrete hidden zipper (prevents scratches on camera screen when putting in / taking out camera) with 2 zipper pull straps each with rubber grips, velcro closure belt loop in back, plastic carry hook on top in back, and removable shoulder strap included. Black color case with gray color diagonal stripe in front and "Sony" logo within stripe. Brand new in retail package.

LINKY to deal
DailySteals.com Deals
New SONY Camera Case # LCM-CSVH for RX100 - $10 shipped
Added on : Monday July 07th 2014 07:00:03 PM
g: 0 Posted By: Ravi9x
Views: 102 Replies: 0 New Sony Camera Case # LCM-CSVH - $10 shipped (reg. $25)

Absolute perfect size camera case for the Sony RX100 Series cameras. Features semi-hard front shell, discrete hidden zipper (prevents scratches on camera screen when putting in / taking out camera) with 2 zipper pull straps each with rubber grips, velcro belt loop in back, and removable shoulder strap included. Brand new in retail package.

LINKY to deal
DailySteals.com Deals
HP Select 75 Backpack $12.25 w/FS @ HP Home & Home Office
Added on : Thursday July 03rd 2014 10:00:04 PM
g: 0 Posted By: ctgolfer
Views: 164 Replies: 0 Absolute style: Cool and current, chill and casual. Its performance-focused style works triple time. Carry it to school. Tote it to work. Pack it full of gear for on and off the field. It's always the perfect accessory for any adventure.
Bankable protection: Trust this HP backpack to protect and secure your valuables. Strategically placed padding safeguards from bangs and bumps. Water-resistant exterior blocks rain and snow. The cushioned bottom eases the impact of drops and jolts.
Expansive storage: Stuff it to capacity. The HP Select 75 Backpack is the clear-cut choice for packing all your essentials: 11 pockets, including a dedicated notebook section, clutter-free organization panel, gear loops & 2 exterior side pockets.
Up to 15.6"

www.shopping.hp.com/en_US/home-office/-/products/Accessories/Cas...
hp.com Deals
TRENDnet 8-Port Gigabit GREENnet Switch - $18.99 w/ FS at Adorama
Added on : Wednesday July 02nd 2014 11:00:05 AM
g: 0 Posted By: Revenant
Views: 142 Replies: 0 TRENDnet 8-Port Gigabit GREENnet Switch - $18.99 w/ FS at Adorama

LINK

GREENnet technology reduces power consumption when Ethernet port is not in use, Connected device is turned off, Connected device is in power-saving mode and Based on Ethernet cable length
8 x Gigabit Mbps Auto-MDIX Gigabit Ethernet ports
Store-and-Forward switching architecture with non-blocking wire-speed performance
IEEE 802.3x Flow Control for full-duplex mode
Back pressure Flow Control for half-duplex mode
8 K absolute MAC address table
256 KBytes RAM data buffering
Operates and maximizes packet filtering and forwarding rate
IEEE 802.3az Energy Efficient Ethernet technology
Jumbo Frame support up to 9216 Bytes
TRENDnet 3 Year Limited Warranty

$1.00 better than previous Hot Deals post.
Networking Deals

Adorama Coupons
g: 1 Posted By: tedhawkins
Views: 93 Replies: 0 Hudson Cast Iron Cleaner XL 7x7 Premium Stainless Steel Chainmail Scrubber $13.99 (w/code) FS Prime Sold by Hudson Essentials and Fulfilled by Amazon

http://www.amazon.com/Hudson-Cleaner-Stainless-Chainmail-Scrubbe...

Apply $11 OFF code JLY4SALE

Hudson Essentials
With each ring meticulously handcrafted from premium 316L stainless steel, the Hudson Essentials 7x7'' inch Cast Iron Cleaner XL Chainmail scrubber is the absolute ideal way to effectively and easily clean your cast iron cookware without stripping away accumulated flavor and seasoning. Boasting unmatched durability and longevity, it is also dishwasher safe, which is why it's a must have and fan favorite of top chefs the world over.

Cleaning You Cast Iron Pans & Griddles Has Never Been Easier
When pan or griddle is warm to touch, run warm water onto it and gently scrub off the cooked on residue. No soap or harsh detergent needed.

Simply rinse pan when scrubbing is complete and dry with kitchen towel, its that easy!

Ultra Hygienic and Food Safe
You will never have to use or discard another germ infested scouring pad or kitchen sponge again.

Germ resistant, reusable, and Dishwasher safe.

Built to Last a Lifetime, We Guarantee it.
Manufactured from premium 316L stainless steel- the highest food grade steel in the world.

Unmatched durability: rust proof, corrision proof, and chemical resistant.
Home & Garden Deals

Amazon Coupons
The Consequences of going ALL IN! - a year later
Added on : Saturday June 28th 2014 06:00:05 AM
g: 2 Posted By: delzy
Views: 99 Replies: 4 I just got back from my annual pilgrimage to Vegas and was reminded of the saga that got me to where I am today: http://www.fullofdeals.com/forums/finance/1041394/

Since I can't comment on an archived thread, I started this post.

LIFE HAS BEEN GREAT since last we talked! I'm grinding out trade lines and while the limits are nothing like they were years past, the banks are still absolutely begging me to borrow and spend.

I have successfully achieved 17 new trade lines and have only been rejected for 3. I have basically been applying for 1 or 2 per month and have been quite successful. Now I know what it feels like to get all excited when a $1000 dollar credit limit is approved.. WOOT! While all my line add up to a whopping total of less than $15k, I have been getting incremental bumps when asking for CL increases every few months.

It has been exceedingly difficult to not fully utilize my meager lines for more of the $18 shiny, I have been sinking my extra disposable into my hoard using the little credit I have. I believe that utilizing the cards and paying in full is what is helping me achieve higher CLs. At the rate I am going, I am looking at a major relapse around 2024.

Back to Vegas, most of the hosts I know have moved or transferred so I'm not really remembered by many. The few that remember me think I blew an inheritance wad and basically have said that my level of play over the last year is insufficient to warrant to the benefits I may have become accustomed to in the past. I did manage a free buffet voucher at the nugget.

Lessons learned?
Buy PMs to hold and Guns to for pulling additional cash out of the plastic.
No, the trustee will not go ask the casinos for your money back.
It is not at all uncommon for gambling to cause BK. It's 2nd or 3rd cause behind medical and drugs.
The system is made by fools for fools and I won't get fooled ever again into acting like a righteous tax slave. There is no shame in enjoying the opportunities afforded to you by the corrupt and inefficient bureaucracy.

Take my lesson and enjoy.
g: 1 Posted By: st4rdust
Views: 110 Replies: 0 The Microsoft Store is offering a couple of Xbox 360 games at discounted prices. Shipping is free.

BioShock Infinite-$11.99- 9.4/10 at IGN
Dead Space 3: Limited Edition-$9.99- 7.3/10 at IGN


I have only played Dead Space 3 for like 10 minutes, but it was enough to get sufficiently creeped out. I have heard only good things.

I played and beat Bioshock Infinite and I absolutely loved it. Elizabeth and Booker might be my favorite characters of all time. I cannot speak on the story for fear of giving something away, but I highly recommend it.
Xbox 360 Games Deals

Microsoft Store Coupons
g: 0 Posted By: VivYip
Views: 100 Replies: 0 Newegg has 2 FAR with free shipping

free shipping
Absolute Software LoJack for Laptops Premium KeyCard - 1 Year (Mac / PC)
Coupon code EMCPDHD98 - $25 MIR card exp 6/26/14

McAfee AntiVirus Plus 2014 - 3 PCs (Product Key Card) **$10GC**
$45 -$45 MIR card exp 7/3/14

This info will be added ASAP to the QS of the main thread. Thank you for reading.
Software Deals

Newegg Coupons
Free 9" x 12" sheet of Happy Face Iron-On Vinyl
Added on : Wednesday June 25th 2014 05:00:16 AM
g: 1 Posted By: remick
Views: 120 Replies: 1 http://www.happycrafters.com/free-happy-face-iron-on-vinyl-black

no CC needed

FREE Happy Face Iron On Vinyl Black
9" x 12" sheet of Happy Face Iron-On Vinyl designed for applications to cotton, polyester, and cotton/poly blends.
SKU: HF09FREESH002
Availability: In stock
Free shipping

Make something! with Happy Face Iron On Vinyl. Happy Face Iron-On Vinyl is a decorative heat transfer film that makes shirts, bags and hats more personal. It makes pillows, throws and jackets a little more comfortable and it can make a gift or special occasion absolutely magical.
Pair one or more colors with your craft vinyl cutter, a household iron and a great design aesthetic (yours or ours) and you can make something perfect for any room or closet.
Happy Face Iron On Vinyl comes as a sheet that can be cut on any vinyl cutter and ironed onto almost any cotton or polyester item. The film is attached to a sticky, clear carrier that protects your iron and helps to hold your design in place for application.
Check out the video and application tabs above for more tips on how to Make Something! with Happy Face Iron On Vinyl.
Totally Free Deals
g: 0 Posted By: Marvinomatic
Views: 193 Replies: 0 http://altatac.shop.rakuten.com/p/kensington-absolutepower-charg...
Batteries & Chargers Deals

Rakuten.com Shopping Coupons
Dishonest phone repair shop
Added on : Tuesday June 24th 2014 07:00:05 PM
g: 0 Posted By: yumkie
Views: 202 Replies: 2 I dropped my phone off at a local repair shop to get some items fixed (home button and charging outlet). They told me that the total will be about $119 and a $45 deposit is required. They also told me that they would
have to order the parts which would take about 1 week for it to come in. I called every week for one month, with them telling me excuse after excuse that the parts didn't come in.
After a month, I called and they said that the parts finally came in. I was angry at this point that they didn't call me, so I told them to cancel my order. The informed me that there would be a 30% restocking fee.
I called my credit card company and they opened a case and told me that they would take care of it.

My credit card company received a letter from them. They sent a document (they used square) with my signature for the $45. It looks like this repair shop will be getting to keep my $45 for absolutely doing nothing for me?
What are my options?

Thank you in advance.
Question Deals
Need help!
Added on : Tuesday June 24th 2014 06:00:06 PM
g: 0 Posted By: yumkie
Views: 13 Replies: 0 I dropped my phone off at a local repair shop to get some items fixed (home button and charging outlet). They told me that the total will be about $119 and a $45 deposit is required. They also told me that they would
have to order the parts which would take about 1 week for it to come in. I called every week for one month, with them telling me excuse after excuse that the parts didn't come in.
After a month, I called and they said that the parts finally came in. I was angry at this point that they didn't call me, so I told them to cancel my order. The informed me that there would be a 30% restocking fee.
I called my credit card company and they opened a case and told me that they would take care of it.

My credit card company received a letter from them. They sent a document (they used square) with my signature for the $45. It looks like this repair shop will be getting to keep my $45 for absolutely doing nothing for me?
What are my options?

Thank you in advance.
Free Kindle Book - Contact Aliens Within 30 Days. A 2014 How to Guide
Added on : Wednesday June 18th 2014 05:00:11 AM
g: 0 Posted By: remick
Views: 71 Replies: 0 http://www.amazon.com/gp/product/B00K4ASH1U/

We've all had alien contact. All 7 billion of us. We just don't remember it.

Do you want to remember your encounter with aliens?
Do you want to have a new alien experience that you can remember?
Did you know it is much easier than you think?

With the use of metaphysical techniques, ManuS brings what was once thought almost impossible, into the everyday.

This comprehensive ebook gives you a step by step, day by day plan, with advice, examples and exercises, to enable you to change yourself so that you can make alien contact within your life a reality.

This title is not for everyone and it is absolutely necessary that you wish to meet aliens out of a curiosity or excitement, not a need. You need to have an extremely positive and happy outlook, and so the guide is written with this in mind, and assists in getting your joy level even higher.

"Contact Aliens Within 30 Days. A 2014 How to Guide for Positive, Passionate and Loving People Wishing to Contribute to Extraterrestrial Communities" is the first of its kind. While many other titles exist describing hundreds of thousands of personal alien contact situations, no one has written down the steps of how to get there in this way before.

Even if you decide that this ebook is not for you, by simply downloading it you are sending a vote out to the aliens waiting for us to be ready, that another person might be ready. It'll reach critical mass soon, so let's do our part by showing aliens in personal contact situations that we're ready so that they'll bring Official First Contact forward.
Totally Free Deals
g: 7 Posted By: remick
Views: 458 Replies: 2 http://www.amazon.com/gp/product/B00BI8K6SE

Memorable Quotes is a collection of the absolute best inspiring and motivational quotes that have had a massive and empowering impact on millions of peoples lives around the world. The quotes have been collected from a wide variety of sources magazines, books, newspapers, movies, and the internet anywhere we found a thought acutely and beautifully expressed.
The quotes give you the extra push you need to achieve all the success life has to offer. They will inspire you to change your perspective on life and think in a new and exciting way, so that each adversity becomes a test of your mind and spirit. This book is a must-have for all who are looking for the motivation to improve the quality of their lives.
Read what the greatest people in the history have to say and enjoy it!



also:

The Positive Thinking Secret
http://www.amazon.com/Positive-Thinking-Secret-Aaron-Kennard-ebo...

8 Reasons Your Life Matters
http://www.amazon.com/8-Reasons-Your-Life-Matters-ebook/dp/B00CR...

A Motivational Masterclass: Life Changing Quotes
http://www.amazon.com/Motivational-Masterclass-Life-Changing-Quo...

Interviews with the Masters: A Companion to Robert Greene's Mastery (was $12.99)
http://www.amazon.com/Interviews-Masters-Companion-Greenes-Maste...

Daily Inspiration: Transform Your Mind, Body & Spirit
http://www.amazon.com/Daily-Inspiration-Transform-Your-Spirit-eb...

Happiness: How To Win The War In A Mental Minefield
http://www.amazon.com/gp/product/B00IHS44HC/
Books Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 548 Replies: 0 Product Description
Includes Absolute Power, Dirty Harry, Gran Torino, Kelly's Heroes, Letters from Iwo Jima, Million Dollar Baby, Mystic River, The Rookie, Unforgiven, Where Eagles Dare.

www.amazon.com/dp/B003AT9D6U/
Blu Ray Deals

Amazon Coupons
g: 0 Posted By: Deals4mykids
Views: 56 Replies: 0 MightySilver via Amazon offers the Clint Eastwood Collection on Blu-ray Disc for $49.92 with free shipping. This 10-disc set includes Absolute Power, Dirty Harry, Gran Torino, Kelly's Heroes, Letters From Iwo Jima, Million Dollar Baby, Mystic River, The Rookie, Unforgiven, and Where Eagles Dare.

http://www.amazon.com/Eastwood-Collection-Absolute-Letters-Unfor...
Blu Ray Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 163 Replies: 0 Product Description
Includes Absolute Power, Dirty Harry, Gran Torino, Kelly's Heroes, Letters from Iwo Jima, Million Dollar Baby, Mystic River, The Rookie, Unforgiven, Where Eagles Dare.

www.amazon.com/dp/B003AT9D6U/
Blu Ray Deals

Amazon Coupons
g: 0 Posted By: wisegremlin
Views: 154 Replies: 0 This is available at Amazon right now - theManfrotto 055XPROB Tripod and Kata KT DL-DR-466 Rucksack Bag (Black) for just $170.56. I discovered this at BuyerNinja where the price history chart shows that The Amazon price has dropped 20.49% ($44.60) since the high price of $217.71 on June 06, 2014 at 3:09AM CDT. The price has been steadily dropping and may go down further - so you might get a better deal by watching this price for a bit. However, the price has gone down so much from the normal price that if you are looking to buy a nice tripod I personally wouldn't hesitate (I already have bought my own dream tripod).

This is an exceptional tripod and really nice bag and the Amazon reviews reflect this. It's an absolute solid 5 star customer review with many hundreds of reviews on Amazon. Doesn't often get better than that. I'm a serious amateur photographer and if I didn't already own a tripod I would seriously consider buying this immediately.
Cameras Deals

Amazon Coupons
The Elder Scrolls V: Skyrim Legendary Edition (PC) - $19.99 @ Amazon
Added on : Wednesday June 11th 2014 01:00:10 PM
g: 0 Posted By: wisegremlin
Views: 171 Replies: 2 Amazonis selling The Elder Scrolls V: Skyrim Legendary Edition (PC)for $19.99. This is a sudden $10.00 price drop that just happened today at 9:27AM CST according to BuyerNinja.

I can personally vouch that this is one of the best RPGs ever made, if not the absolute best, as I spent over 100 hours playing it over many months.

Metascore of 94 on and User Score of 8.3 on Metacritic.

Based on the price history chart I wouldn't be surprised if the price might pop back up quickly, so act fast if you want to get this amazing game at a great discount.
Video Games Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/gp/product/B00AKBIJ16
4.7 out of 5 stars (21 customer reviews)

Using Photoshop, Photomatix and Topaz Adjust, Blake Rudis, creator of the award winning blog Everyday HDR, walks you through the wonderful world of High Dynamic Range photography. There are many methods that are discussed in Exploring HDR from the typical multiple exposure tone mapped HDR image to the single Raw file technique. Blake gives away many of his secrets in this book with 6 different HDR techniques, 9 HDR post processing techniques, over 130 detailed pictures, and bonus content in every Chapter.

Blake knows the importance of post processing your HDR images and has included several detailed post processing techniques. These techniques include adding depth to your tone mapped photo, combating chromatic aberrations, HDR specific noise reduction and so much more! If you are looking for a highly detailed, tutorial based HDR book, Exploring HDR is the one for you!

Key Highlights of Exploring HDR:

*Designed for Beginner to Advanced skill levels
*Bonus Content in every chapter
*Downloadable files to follow along with the tutorials on select Chapters
*Step by step tutorials to help you better your HDR photography



The DSLR Survival Guide: A Beginner's Guide to Surviving Digital SLR Photography
http://www.amazon.com/DSLR-Survival-Guide-Beginners-Photography-...
Did you recently buy a new DSLR camera, but have no clue how to use it?
Have you owned a DSLR camera for quite some time and still find yourself shooting in Auto Mode?
Do you find yourself scratching your head at all of the terms in your Owner's Manual?
If you answered yes to any of these questions, the DSLR Survival Guide is the beginner's book for you. Blake discusses everything DSLR related to help you breakdown that awful communication barrier between you and the language of your DSLR camera. Follow along with the information in this guide and you will be producing better photographs in no time! For less than the cost of a fast food meal you can be learning about your DSLR camera!

Photo Composition
Aperture
Shutter Speed
ISO
Camera Modes
Image File Formats (RAW, JPEG)
Lighting and Light Sources
Lenses and Lens Selection


A Beginners Guide To DSLR Photography - How To Create Stunning Digital Photography Like A Pro
http://www.amazon.com/Beginners-Guide-DSLR-Photography-Stunning-...

So you just got that new DSLR camera or you are planning on getting one shortly. Maybe photography has always been a small passion of yours and you finally want to take the leap and start taking amazing photographs using a DSLR camera. Where do you even begin when you get one? What are the basics you should know before you attempt to get started? Taking one peak at the owners manual might get your head to start spinning.

Dont worry because we have you covered. We will cover important things like exposure, flash, shutter speed, and aperture to name a few. We will also give you great tips and guidance and even debunk some common photography myths. We will also cover some important questions to ask yourself while you are shooting that will help you start to think like a professional photographer. You are one your way to starting a new hobby that is very exciting and rewarding. We want you to be able to feel comfortable and confident with your DSLR camera so step inside this guide to get started today!



Photo Mastery - Shadows, Form And Texture
http://www.amazon.com/Photo-Mastery-Shadows-Texture-Training-ebo...

Although photography is all about light...it's actually the shadows that define form and textures!

When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!

Here is a copy of the table of contents to show a little of what is covered...

Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo Training

We spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!

Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.

The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!

Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!

The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.

Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.

Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.

You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!



11 Things Every Photographer Should Know About HDR Photography
http://www.amazon.com/gp/product/B00EJZD9BE/

HDR photography can be pretty complicated and if you go into it without knowing what you are doing, you are in for some trouble! "11 Things Every Photographer Should Know About HDR Photography" is something every photographer should read prior to jumping into the world of HDR photography. Blake Rudis has been teaching HDR photography techniques for over 3 years and knows how to make HDR images that pop off the page!

What you will receive from reading "11 Things..." :

- A better understanding of the HDR process and how to create an HDR image using several different techniques.
- A considerable amount of knowledge about file formats used during the HDR process.
- A plethora of examples as to what you should and should not be HDR'ing!
- A worthy understanding of HDR tone mapping software and how to use it to make better HDR images through the bonus content provided.
- A guide to post processing HDR images that outlines what to look out for after the image has been tone mapped to make it look its absolute best!


Books & Magazines Deals
ON SALE: Moreschi - Beige Suede Leather Shoes
Added on : Saturday June 07th 2014 09:00:05 AM
With their casual yet classic shape and Italian artisan craftsmanship, Moreschi»s beige loafers in luxurious suede feature beautiful genuine leather soles and impeccable tonal stitching for a chic combination of absolute comfort and style. Made in Italy
Free - Razer Surround 7.1 download (was $19.99)
Added on : Sunday June 01st 2014 05:00:01 AM
g: 0 Posted By: remick
Views: 114 Replies: 0 http://www.razerzone.com/surround/donate-and-download?

For Gamers. By Gamers. At Razer, we believe in giving back to the community, and we believe that the community will pay it forward. From now till 30 June 14, well be waiving the US$19.99 charge for Razer Surround but instead call on you, the community, to through us give back to our adopted charity for Razer Surround Childs Play instead.

This is absolutely voluntary and you can choose to download it for free. If you choose not to donate anything, wed love for you to help spread the word about Razer Surround and Childs Play so that we reach everyone in the gaming community. - See more at: http://www.razerzone.com/surround/donate-and-download?#sthash.Dc...
Software Deals
g: 0 Posted By: ctgolfer
Views: 31 Replies: 0 Powered by a durable lithium-ion battery, the 12.0 Volt Rotating Hammerhead provides high speed and high torque to drive nails through different kinds of wood from construction lumber to finished wood. With it's superior speed of 3600 impacts per minute, it can handle nails up to 16d size. All this makes this tool an absolute essential.

The Craftsman NEXTEC Rotating Hammerhead is an expertly designed power hammer that provide 0 degree, 90 degree and 45 degree angle for hammering in nails
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LED light bulbs rotate with the head to illuminate the work area perfectly
Has green, yellow or red LED lights that act as indicators of the battery life to help you plan your work schedule better
Electric brake offers better control while working
One year limited warranty from Craftsman

www.sears.com/shc/s/p_10153_12605_00930261000P
g: 0 Posted By: 1Rebate
Views: 172 Replies: 0 Title says it all. It's Free Until June 3 2014



Free?! What's the catch?
There's no catch. Grab full games, expansions and more at absolutely no cost. Just make sure to act fast because On the House specials can appear and disappear at any time.

You mean a trial or demo, right?
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Why is Origin doing this?
Our goal is to provide a great gaming experience and a way to discover awesome new games. Having a game in your library, for free, is a fantastic way to see what Origin is all about.

https://www.origin.com/en-us/store/buy/battlefield-3/pc-download...

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$25 NRA Membership plus $25 Bass Pro Shop gift card @ Shooting USA
Added on : Wednesday May 28th 2014 09:00:05 AM
g: 1 Posted By: Trickracen
Views: 198 Replies: 2 Deal Link
Theres no other organization with the muscle we need to protect our Second Amendment Rights.
You dont have to agree with everything the NRA does, but you do need to be a member to be sure Washington knows were very serious about preserving our freedoms.For years I've arrangedtodiscountyour annual membershipto $25 dollars.Butif you sign up now,you get a $25 Bass Pro Gift Card. That makes joining, or renewingabsolutely FREE.But we have a very limited number of gift cards, you must do it now.
Bass Pro Gift Card will mail to your address the day after you join.Card is valid at any Bass Pro Shop until June 30, 2014.
Take advantage of any discount I've arranged and you still get the discount cards:
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Three year membership, regularly $85, now $70.
Five year membership regularly $125, now $100
Free PDF Scanner (IOS APP) @ Apple
Added on : Monday May 26th 2014 05:00:07 PM
g: 0 Posted By: DizzyT71
Views: 239 Replies: 1 Apple is offering their Free PDF Scanner (IOS APP) today.

Free today with App of the Day.
Download App of the Day, and every day discover one paid app absolutely free!
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Use PDF Scanner to:

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g: 0 Posted By: hellokitty27
Views: 132 Replies: 0 Tanga has a 3-pk. French Connection UK (FCUK) Women's Friction Rollerball Perfumefor $9.99 w/ free shipping = $3.33 per bottle. Lowest price from a rated seller on Google Shoppingis $9.95 for one bottle.

"Features a blend of apple blossom, honeysuckle, red berries, coconut, sugar, vanilla absolute, jasmine, vetiver, blonde woods, sandalwood, amber and musk."
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g: 0 Posted By: ctgolfer
Views: 13 Replies: 0 Running Time:518 minutes
Format:DVD
Box Type:Gift Box
Feature Comments:Films included: 1. Where Eagles Dare, 1968, 2. Kelly's Heroes, 1970, 3. Dirty Harry, 1971, 4. Magnum Force, 1973, 5. The Enforcer, 1975, 6. The Outlaw Josey Wales, 1976, 7. The Gauntlet, 1977, 8. Every Which Way but Loose, 1978, 9. Bronco Billy, 1980, 10. Any Which Way You Can, 1980, 11. Honkytonk Man, 1982, 12. Firefox, 1982, 13. Sudden Impact, 1983, 14. City Heat, 1984, 15. Tightrope, 1984, 16. Pale Rider, 1985, 17. Heartbreak Ridge, 1986, 18. Bird, 1988, 19. The Dead Pool, 1988, 20. Pink Cadillac, 1989, 21. White Hunter, Black Heart, 1990, 22. The Rookie, 1990, 23. Unforgiven, 1992, 24. A Perfect World, 1993, 25. The Bridges of Madison County, 1995, 26. Absolute Power, 1997, 27. Midnight in the Garden of Good and Evil, 1997, 28. True Crime, 1999, 29. Space Cowboys, 2000, 30. Blood Work, 2002, 31. Mystic River, 2003, 32. Million Dollar Baby, 2004, 33. Letters from Iwo Jima, 2006, 34. Gran Torino, 2008, 35. Invictus plus The Eastwood Factor. 2009 documentary

www.wbshop.com/product/code/1000170361.do
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g: 0 Posted By: remick
Views: 566 Replies: 0 http://www.amazon.com/gp/product/B00K11XPWI

5.0 out of 5 stars (12 customer reviews)

This book was inspired by the stories of many women who I have met over the years. It is about their challenges, failures, and successes. Their moving stories motivated me to write this book to help other women understand how every choice they make can either help or destroy their retirement. Learn from their inspiring and heartbreaking stories. I know they will want any woman who reads this book to be aware of the "wolves" that can, in the blink of an eye, wipe away hopes and dreams of her retirement. Discover the secrets to personal empowerment and what you need to know to find your own yellow brick road to financial inner peace.

This book will help you understand the complicated relationship between you as a woman, your money, and your financial professional. Many women go through life with the illusion that their future is secure just because they set aside money for retirement and have a financial advisor who they believe has their best interest in mind. Many women don't ask the right questions, don't demand the right answers, and are routinely pushed away from being involved in the most important dream
of their life... their own happily-ever-after.



Also free

Wonderful Wealth Boosters: Break Through the Barriers to Wealth - 2nd Edition
http://www.amazon.com/Wonderful-Wealth-Boosters-Through-Barriers...

EVISED & EXPANDED 2nd Edition

"The best in proven wealth creation strategies and personal finance super-skills."

Wealth can provide you with the means to be, do and have almost anything you want. Whether your goal is to become wealthy, or even if you are already wealthy and want to increase and maintain your wealth, this book is for you.

Each of the 30 techniques covered in this book will BOOST your level of wealth and help you to achieve financial independence and freedom. Each BOOSTER is simple, straightforward and easy to apply to your own personal finance situation. Detailed financial knowledge is not required and no-risk or low-risk strategies are employed so that you dont have to gamble your security. Apply some or all of the Wonderful Wealth BOOSTERS in this book and experience increased financial control, peace of mind and a powerful forward momentum toward a wealthy future.

Some of the 30 prosperity principles you will learn include ...

The Wealth Mirror Question: ... how the past can reveal your route to riches
Wealth Beliefs & Values: ... positively change your relationship with money
The Penny Principle: ... how to subconsciously align yourself with prosperity
The Cash Cascade System: ... successful financial reorganisation
Your Wealth Hero Rich List: ... learn from the wealth masters
The Savings Ramp System: ... pain free saving without sacrifice
The Coin Machine: ... the little saving technique with big results
Successful Saving Motivation: ... maximise your saving potential
Self Employ Yourself: ... the ultimate personal finance control method
Dont Keep Up With The Joneses: ... create real wealth, not Bling
Decide, Divide and Conquer: ... financial goal setting and achievement
The Appreciation (Not Gratitude) Log: ... a different approach to gratitude
Time is Money: ... how to harness the wealth creation chain reaction
Virtually Saving v Actually Saving: ... the absolutely crucial difference
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SQUATTERS! what would you do?
Added on : Thursday May 15th 2014 07:00:09 AM
g: 0 Posted By: solarUS
Views: 23 Replies: 0 I acquired a tax lien on a property in my town (New Olreans) last year. An old double very close to the French Quarter, with good bones, but needing total rehab. Under state law, the earliest I can acquire full title to the house isspring 2015. Meantime, there are now squatters set up in it. The front doors both lock, but the back door has been off the house for some time (before i bought it) and that is their point of entry. They have put some nasty furniture in it, and even cleaned up all the shit that was there from the last set of squatters. There are absolutely no utilities, mind you. These are gutter punks, and crazy ones it looks like, given all the nutty writing all over the walls ("i'm sorry i missed agent orange" for example). My only real concern here is that on a cold night, they start a fire and burn the house down...happens pretty often down here. Not a big concern in the summer, but I would prefer to nip this in the bud. Insurance is obviously improssible. There is a provision with tax liens, that a lienholder can take possession of a property in order to protect it. I did ask a lawyer about this, who said i can do what's necessary, but i paid him $0 so i value the advice at that. The property is worth a bit of money, even in the present state. I'm guessing $60-70k. I have about $4-5k in it. The house burning down is really the only way i lose here.

Options:
1) Approach owner to purchase house. Not likely, given that there is an "et al" on the title, indicating that there is more than one party.
2) Call police for trespass. NOPD are horrendous. Likely to get nothing out of this.
3) Rent dumpster. empty house. board everything up with a preponderance of nails. My preferred option.
4) Report a break-in. Might get the cops out faster.
5) say "screw it" until the weather gets cold, and hope they leave by then.

Anything I am not considering? other options? risks? TIA
g: 1 Posted By: jskins
Views: 209 Replies: 0 8-Port TRENDnet Gigabit GREENnet Switch (TEG-S82g)- $19.99 with Coupon Code EMCYTZG298 with Free Shipping at Newegg.

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You can also get the 8-Port TRENDnet Gigabit GREENnet Switch (TEG-S82g)for $22.99 with free shipping at Fry's.
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g: 0 Posted By: ArtieLange
Views: 86 Replies: 0 Turner Licensing Green Bay Packers 2014 12" x 12" Team Wall Calendar $2.26 free pickup at Wallmart

http://www.walmart.com/ip/Turner-Licensing-Green-Bay-Packers-201...



Specially designed for the die-hard fan, Turner Licensing presents the ultimate Turner Licensing Green Bay Packers 2014 Wall Calendar! Your favorite players are displayed in vivid action-packed images along with player bios, team trivia and noteworthy NFL historical dates every month. And it gets better: a "pro-stats" page is included featuring team stats and past results, and the 2014 team's season schedule is presented along with the bonus months of September through December 2013. The spacious 12" x 12" calendar grid lists major U.S., Canadian and religious holidays while also providing a convenient glance at the dates of the preceding and succeeding month. This Turner Licensing Green Bay Packers 2014 Wall Calendar is an absolute must-have for football fans!
Turner Licensing Green Bay Packers 2014 12" x 12" Team Wall Calendar:

Vibrant, fully loaded, action-packed wall team calendar
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Bonus page featuring team record holders and past results is included along the extra months of September through December 2013
Spacious calendar grid lists major U.S., Canadian, and religious holidays while also providing a convenient glance at the dates of the preceding and succeeding month

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g: 0 Posted By: ArtieLange
Views: 91 Replies: 0 Turner Licensing New England Patriots 2014 12" x 12" Team Wall Calendar $2.26 free pickup at WalMart

http://www.walmart.com/ip/Turner-Licensing-New-England-Patriots-...



Specially designed for the die-hard fan, Turner Licensing presents the ultimate Turner Licensing New England Patriots 2014 Wall Calendar! Your favorite players are displayed in vivid action-packed images along with player bios, team trivia and noteworthy NFL historical dates every month. And it gets better: a "pro-stats" page is included featuring team stats and past results, and the 2014 team's season schedule is presented along with the bonus months of September through December 2013. The spacious 12" x 12" calendar grid lists major U.S., Canadian and religious holidays while also providing a convenient glance at the dates of the preceding and succeeding month. This Turner Licensing New England Patriots 2014 Wall Calendar is an absolute must-have for football fans!
Turner Licensing New England Patriots 2014 12" x 12" Team Wall Calendar:

Vibrant, fully loaded, action-packed wall team calendar
Has player bios, team trivia and noteworthy historical dates listed each month
Bonus page featuring team record holders and past results is included along the extra months of September through December 2013
Spacious calendar grid lists major U.S., Canadian, and religious holidays while also providing a convenient glance at the dates of the preceding and succeeding month



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g: 1 Posted By: remick
Views: 194 Replies: 1 http://www.amazon.com/dp/B00GIAWDQK

Who Else Wants to Easily Repair and Maintain Their Bicycles At Home, With Tools That Can Be Found Anywhere?

At Last! Everything you ever wanted to know about bike repair - revealed!

Did you ever want to repair your own bicycle at home?
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You're about to discover a proven system for bike repair that is so easy to follow that anyone can do it. This system works whether this is your first bike or tenth bike already - anyone can learn this system in a matter of days.

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What most people don't realize is that maintaining a bike is also extremely easy to do. I know, because...

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How to winterize your bicycle with these 3 simple techniques...
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2 simple keys (that are right in front of your eyes) to rust-free hinges and joints...
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Mortgage Bridge Loans
Added on : Tuesday May 13th 2014 04:00:11 AM
g: 0 Posted By: raymondanthony
Views: 97 Replies: 2 So there is a local talk radio I listen to and every week they have a guy on name Jordan Goodman. He is always pushing these Mortgage Bridge loans. Basically you loan small companies money thru a broker and get 6% a year back.They are supposed to be super safe. Here is the info I received:

Ray--So glad to help you out here! Since we cant speak during the day, I will give you a bit more background on the mortgage bridge loans. If you would like to discuss it further I would be glad to speak to you from home if you want to call me at 914-347-2463.
The Mortgage Bridge loans that I mentioned are super-safe and yield 6% and you get your money back in 9 to 12 months. Meanwhile they pay out a monthly income which you can take or reinvest. There is no maximum amount you can invest and you can invest as many times as youd like. The minimum investment is $25,000. All of the money you invest earns 6% interest since there are no commissions or fees subtracted from your capital. The sponsor of this investment earns a small spread on top of the 6% which is how they cover their expenses and earn a profit.
There are several reasons why the mortgage bridge loans are so safe:
1.The company putting these deals together does extensive financial underwriting of the commercial real estate borrower to make absolutely sure they are in great financial position to be able to repay the loan interest and principal as agreed. In many cases, they have dealt with the same borrowers for many years and have a long track record with them.
2.You as the lender are placed in first position on the mortgage note so you have priority over any other creditors and are fully secured.
3.The commercial property is appraised conservatively by an independent appraiser.
4.The maximum the borrower is allowed to borrow is 30%- 55% of the propertys value (example 50% loan-to-value ratio (LTV)) so there is plenty of equity to fall back on in the super- unlikely case that the property had to be foreclosed on. If the loan exceeds the 12 month mark, your interest rate will double in the 13th - 15th month to 12%.
5.The company putting the deal together guarantees in writing that it will make all payments of interest and principal to you, the lender, in case the underlying borrower does not make any interest or principal payments when due. There is also a reserve fund already set aside with millions of dollars to make those payments even though it has never been used.
6.The mortgage bridge loan does not trade,and therefore your principal is always safe and you get your principal back in 9-12 months. In contrast, you may earn a 6% yield from a stock, bond or mutual fund, but that security can drop in value far more than 6% quickly, wiping out the net impact of the yield you receive. Your stock, bond or mutual fund may never recover so your principal is not secure.
If you have an IRA or Roth IRA or SEP IRA or any other tax qualified plan you can roll it over to a self directed IRA at Provident Trust which is set up to handle mortgage bridge loans and use the money to invest in the Mortgage Bridge program.
The people I trust to send my listeners to are Ted Leutz and Lynette Robbins, Founders at The Knowles System, LLC, a complete financial strategy company. They are both in their 60s and have been doing this for many years. Ive sent my listeners to Ted and Lynette over the past several years and have had only wonderful feedback for their safe programs and strategies. Their phone number is 888-518-3113 X 2. Commercial Properties are limited to availability so I suggest you call The Knowles Team ASAP for more information and availability.
Knowles Systems, LLC may also ask you to sign a Non Disclosure Agreement (NDA) which assures you that any data you give them will be held in complete confidence and privacy, and it also assures them that if they put in huge amount of time, effort and expertise to come up with a plan that you like, that you will implement it through them.


Does anyone have any input on this?
General Economics Deals
Used Car Bargain
Added on : Monday May 12th 2014 03:00:08 PM
g: 0 Posted By: TheThinker
Views: 74 Replies: 1 4 years ago, I purchased my first car. I had very little money. Based on the advice I got here at Fatwallet, I bought a car with a GM 3800 V6 engine. I was told these are some of the most reliable engines ever made. For $3,000 I got a 1999 Buick Regal GS. Sure, it is known as a granny car and I was in my 20s, but it had only 80k miles, a solid GM 3800 V6, leather seats, and no problems, clean carfax and title. I sold it about 8 months ago after going overseas for several months. Now I am back and find myself in the same position, needing a cheap but reliable car.
Please help with some good advice. Important points:

1. I would like a different car brand for a change, not another Buick
2. My absolute top price is $5.5k, I hope I spend closer to 4k
3. Important point: I only drive 4k miles a year. Yes, you read that correctly. I have a really short commute... the car is mainly for errands,road trips, and going to the beach or movies. In 3.5 years of ownership I drove a total of 11k miles

I do not want zipcar or rental, I want my own car. How can I get a bargain, under $5k? I only intend on owning it for maybe 3 years and driving 12k miles tops.but I dont want something that breaks down or needs a new transmission.

I found a decent Camry, but the seats and floor are very stained. These are old stains so I'm not sure if getting the car detailed would solve that problem. Idon't need a super clean car but I dont want a car that looks filthy with coffee and soda stains in the interior.

By the way, Craigslist is a nightmare. I have called 12 people... they either do not have the title in their name, refuse to give me the VIN, admit there was an accident, or tell me the car is perfect condition when I can clearly see damage under the hood. Apparently it is quite hard to find a decentcar on CL with a clean title, no accidents, no noticeable large dents, and no ridiculously high price. Then there are CL people who are very rude and get offended when I askwhy they are selling the car and if the title is in their name. Please help, thanks.

Mandatory note: I'm sorry but no trucks, no minivan, no convertable, and no Crown Vic. I want a sedan or coupe, or a SUV that isnt huge.Crown Vic is not for me.
Jaclyn Smith Beauty Face Care Collection $119.99 w/FS @ Kmart
Added on : Friday May 09th 2014 09:00:03 PM
g: 0 Posted By: ctgolfer
Views: 82 Replies: 0 aclyn's Face Care Collection has its roots in ideas developed over 30 years of professional and personal experience with leading industry skin health, make-up, and beauty experts.The Complete Face Care Collection contains a generous 3 month supply of all the essential crmes and lotions needed to follow the daily skincare routine Jaclyn has followed her entire adult life, and are the exact same products Jaclyn uses on her skin. The ingredients work in concert to help maximize their ability to reverse the appearance of skin aging, and keep your skin looking and feeling its absolute best. Every product has been carefully formulated using advanced scientifically proven ingredients, and has an amazing luxurious feel. In addition to the five essential skin items (Purifying Cleanser, Rehydrating Day Moisturizer, Rejuvenating Eye Cream, Intensive Night Moisturizer with Retinol, and Polishing Exfoliator), the complete collection comes with two additional products with Jaclyns compliments, her Repairing Night Moisturizer and Silk Body Lotion.

Developed by medical professionals and tested by beauty industry experts
Ingredients work in harmony with Jaclyns beauty routine to help reverse the signs of aging
Enriched with all four proven anti-aging ingredients, Peptides, Antioxidants, Retinol, and Hyaluronic Acid for maximal effect
Generous 3 month supply of each product

www.kmart.com/shc/s/p_10151_10104_015V005882668000P
Health & Beauty Deals
FRESH MAINE LOBSTER
Added on : Friday May 09th 2014 08:00:02 AM
g: 0 Posted By: cal0264
Views: 2 Replies: 0 https://getmainelobster.com/store/checkout/

My mom wasn't impressed with the email I sent out yesterday, saying "Just 2 dinners for 99 and free shipping? What kind of a choice is that, Mark? I've seen you do better."

So, today, I'm back to the drawing board with another 50% off everything on the website deal, except for items currently on special or discounted. Per my mom's instruction, and in the spirit of providing variety to my best customers, I offer you the absolute best deal you can find online (call me if you find one better, I will match it). Use coupon code "MOMSAIDSO" at checkout for 50% OFF your order.
Buying condo currently owned by the HOA board...a few questions
Added on : Wednesday May 07th 2014 02:00:10 PM
g: 0 Posted By: nwcitizen
Views: 89 Replies: 3 I haven't bought real estate in a good many years. I plan on paying all cash for a condo that was offered to me and is owned by the HOA in the complex that I've been a renter in for the past few years. Is it absolutely necessary that I have an attorney present at the time of closing? This is an all cash deal as I mentioned. I know this may be a dumb question but does it make any difference to pay with a wire transfer or a cashier's check? I live in the state of Washington if that makes any difference. Thank you.
g: 2 Posted By: metallman
Views: 185 Replies: 2 Always traveling and scramble to find your charger? Scramble no more! This awesome New Trent Travelpak Plus is all you need for your smartphone and tablet charging needs. The 7,000 mAh capacity is more than enough to charge 2 devices at the same time but the absolute best feature on the Travelpak Plus is the built in AC plug to charge the battery pack itself. You won't need a charger to charge your battery pack, simply plug in your New Trent Travelpak Plus into any AC outlet and you're good to go.

Pick one up now at Ebayfor $19 (free shipping). Limited quantities. Snatch one up before they are all gone.


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g: 2 Posted By: remick
Views: 245 Replies: 1 http://www.amazon.com/dp/B007KO2F7U/

4.8 out of 5 stars (56 customer reviews)

You absolutely can reign in life and be the overcomer God intends you to be, taking charge of your personal world and changing the world around you. You don't have to allow sin, Satan, or the circumstances of life to weigh you down.
Beginning with your private world--your thoughts, body, actions, and ultimately your God-ordained destiny--you can take charge. Authority is yours for the taking.
Then, because God established and so honors the principle of authority, He will back you as you walk in the government He has delegated to you concerning your extended world--your home, family, business, and possessions.
Finally, God's plan is for you to partner with Him on the earth in broader realms of influence and authority--your universal world. Jesus, the sovereign King over the earth, wants to rule institutions, cultures, societies, and governments through you and your prayers.
Authority in Prayer will show you how to take hold of God's promises and pray with the authority He wants you to have. God needs you. Are you ready to use your God-given authority to further His kingdom?


Beginning at The End (Finding God When Your World Falls Apart)
http://www.amazon.com/gp/product/B00599RFCI

5.0 out of 5 stars (20 customer reviews)


His Masterpiece: Discovering the Greatness Within
http://www.amazon.com/gp/product/B00IKXW5LQ


Bible Character Daily Devotions For A 366-day Calendar
http://www.amazon.com/gp/product/B00DTAKLBQ


I Might Bend But God Won't Let Me Break! 21 Inspirational Devotions and Positive Attitude Quotes
http://www.amazon.com/gp/product/B00HX46JKQ/
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g: 0 Posted By: remick
Views: 136 Replies: 0 http://www.amazon.com/gp/product/B00JM2H3CA

If you're on the Fast Metabolism Diet by Haylie Pomroy, or simply looking for wholesome meals to boost your metabolism, then you're in luck!

Good food nourishes your body, helps you unwind stress, releases stored fat, and cranks up your metabolic hormones! The delicious recipes found in this book work with Haylie Pomroys Fast Metabolism Diet to do just that.

The Fast Metabolism Diet Cookbook by Angela Marcum is packed with over 80 healthy, wholesome, and absolutely mouthwatering recipes to help you succeed and flourish with the Fast Metabolism Diet.


The Fast Metabolism Diet is based on phases that easily correspond with days of the week. By cooking and eating the simple, whole foods listed on Haylies master list, your body will begin to recharge and rejuvenate.


And Yes, This Cookbook is completely...
Wheat Free
Corn Free
Dairy Free
Soy Free
Sugar Free

PHASE ONE includes recipes that help your body de-stress, including simple Wild Blueberry Angel Food Cake, Chickpea and Eggplant Curry, and cool delicious Summer Spring Rolls.
PHASE TWO recipes are designed to help your body release its stored fat, like the scrumptious, sweet and tangy roasted Pork Tenderloin with Rhubarb Compote or light and simple Sweet Jicama Cobbler.
PHASE THREE brings on the burn, kicking your hormones into full speed to recharge your metabolism with healthy-fat meals like Slow Cooker Bolognese and Pumpkin Quinoa Griddle Cakes!

Since food is the fuel that will help change your body, theres no starving with the Fast Metabolism Diet. Eat five times a day, and enjoy snacks like Chamomile Poached Pears or tender and crispy Oven Baked Jicama Fries!

These easy, incredible meals are specially designed to help you lose up to twenty pounds in twenty-eight days by shaking up your stagnant metabolism. Its time for you to reclaim your kitchen and fall in love with food again. You deserve it!
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g: 1 Posted By: herculesorama
Views: 162 Replies: 0 Add celestial-grade sparkle to your look with a pair of Mestig Crystal Eclipse earrings delivered to your door:
$15 ($80 value) for Crystal Eclipse earrings by Mestig
Hand-crafted with 10mm crystals made ​​with Swarovski Elements
Choose rhodium-plated or 14-karat gold-plated
"They are absolutely beautiful and so well-made." -- LivingSocial Member
Neverland Sales's Website

https://www.livingsocial.com/deals/1067575-swarovski-elements-drop-earrings
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Mortgage servicer fails to pay property taxes
Added on : Thursday May 01st 2014 02:00:07 AM
g: 0 Posted By: okwiater
Views: 80 Replies: 1 My mortgage servicer maintains an escrow account for property taxes and homeowners insurance. I received a copy of my 2012 property tax bill in July of 2013 from the county, and called them on July 27 to ensure they had received and would pay it. They said they would. Fast forward to April of 2014. I received a notice from the county on April 10 informing me that due to an unpaid tax bill they would move to place a tax lien on the property by May 1, and the lien would be auctioned on May 15. I called the lender that same day and informed them of the notice. They requested that I fax the bill to them, which I did that same day. On April 21, I checked with the county and determined that the bill had not yet been paid. So I called the servicer again and they informed me that they were actively engaging with my county's tax office and that the bill would be paid within "a few days." On April 28, I checked with the county again and determined that the bill had still not been paid. So I called the servicer yet again and they promised the issue would be escalated and the bill would absolutely be paid by April 30. Much to my surprise, I received an e-mail from them confirming that the bill had been paid and the funds deducted from escrow. Today, I checked with the county again and the bill is still unpaid. Also, since it is a new month, additional interest as well as a tax lien fee has been added to the account. My guess is the lender put the payment in the regular mail, and now the amount they sent won't be sufficient to cover the outstanding balance.

What should I do here? Obviously I'm not going to let the tax lien be auctioned and will resolve any outstanding balance before the 15th from my own pocket; however, I'm pissed about the lender's negligence having racked up $400 in interest and fees. The ideal scenario would be for the lender to reimburse the interest and fees, as well as to get the escrow removed from my mortgage. Do I have any leverage (under RESPA or any other consumer protection laws) to force the issue? Or are these things generally written in such a way that even their failure to pay the bills from my escrowed funds is somehow not a breach of contract or statute?

Note: I have made every one of my mortgage payments on time since the inception of the mortgage.
Real Estate Deals
g: 0 Posted By: ctgolfer
Views: 169 Replies: 0 Full range speaker system. The high efficiency speakers create deep, rich, immersive sound
The iPad fits seamlessly in the lightweight enclosure. Smooth and optimally balanced, the surface is comfortable and easy to grip
The free Thunder app provides extended control with three different soundscapes
The multifold provides a variety of comfortable and convenient viewing and listening angles. And, of course, protects your iPad screen when not in use
Air channels are integrated into Thunderstorm's main panel, allowing bass frequencies to come alive
Perfect for music and web video, great for movies, and games will absolutely explode off the screen

www.amazon.com/gp/product/B00AXVXXNC/
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g: 0 Posted By: ctgolfer
Views: 53 Replies: 0 The Armor Series case is made for confidence and provides absolute protection in any environment
High-strength reinforced plastic withstands crushing forces up to two tons
Exterior and interior over-molded bumpers protect corners and edges from impact
Soft interior silicone provides a cushioned, custom fit and absorbs shock
Built-in screen protector is bonded to the case and guards against scratches and scrapes to the glass display
Corrosion-resistant latches lock the case together and are easy to open and close
Non-permeable membranes cover vents allowing sound to flow through while keeping harmful elements out
Included lanyard makes for easy carrying and helps keep the device from getting lost
The Armor Series case has been tested to perform at these parameters, but results may vary:
6.6 ft. underwater for 30 minutes (when charging port or headphone jack are in use, the case is not waterproof)
10 ft. drop
0 entry of dust and debris
2 tons of crushing force
Brand New
30 Day Warranty

www.tanga.com/deals/otterbox-armor-series-cases-425-14
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g: 1 Posted By: remick
Views: 232 Replies: 0 http://www.amazon.com/gp/product/B00CQSPNLK

4.5 out of 5 stars (48 customer reviews)

Weve all admired our neighbors gorgeous gardens filled with flowering perennials and longed to recreate their beauty in our own back yard. But if were being honest, when it comes to gardening, most of us have no idea where to begin. Additionally, in these economic times, who can afford to hire an expert to come in and do the job for us? That said, regular folks all across North America and Europe are returning to the soil, shovels in hand. With the help of this book, there is absolutely no need to fly blind into the world of green thumbs, perennials, and herbs.The nameGarden Guide: A No Nonsense, No PhD Guide to Great Gardens with Hand-Holding How Tos for Beginners and Straightforward Instruction for Advanced Gardenerstruly says it all. Indeed, this book is the hand-holding garden guide that will walk even the most timid novice right through the gardening process from beginning to end.

In addition to straight forward, practical advice in everyday language, you will love the stories and anecdotes Olver shares from her fifteen years of backyard, organic gardening adventures. Easy and entertaining, youll probably read this book in one sitting, but youll reference it for years to come. The beauty of Garden Guide is that Olver divides her advice into two sections: Beginning Gardeners and Advanced Gardeners. No matter what your skill level, there are simple explanations, tips, and tricks that will walk you through every aspect of the garden process. Garden Guide features details such as:

Everything you need to know about location, from sunlight to drainage to selecting just the right spot
How to understand soil types, how to amend and condition them
pH levels and soil testing broken down in simple terms
Step by Step guide for planning your PERFECT garden no matter where the location
Fertilizing made manageable with explanations for all those numbers and organic alternatives
Composting broken down so you can start immediately
Pests obliterated with loads of organic suggestions
The basics of garden maintenance from deadheading to dividing perennials
Loads of helpful website suggestions for purchasing plants online, getting ideas, locating county extension offices, perennial databases and so much more.
Gardening terms are defined in language you will both understand and remember

If you have time to read only one book on gardening, this is the book to choose. Short enough not to feel like an encyclopedia and just long enough to wet your gardening appetite, Olver has woven basic garden science and practical ideas for everyday people into each page. With her warm, inviting, no-nonsense instruction, you will be amazed how simple and doable gardening really is. Not only will it thoroughly educate you in basic gardening, Garden Guide will send you well on your way toward beautiful perennials gardens and leave you inspired and hungry to begin planting in your own patch of earth.



also free

Organic Gardening Beginner's Manual
http://www.amazon.com/Organic-Gardening-Beginners-Manual-Turner-...

Here's the ultimate "Take-You-By-The-Hand" beginner's manual for creating and managing your own organic garden. Even if you know nothing about organic gardening.... so you can get back your health and energy and save a stack of money.

You're going to learn that organic gardening can greatly improve your health and energy levels while really lowering your weekly food bills, and it only takes about half an hour per week.

If you're like me you probably hate the idea of eating foods (and providing them for your family) that may have been grown with chemicals.

I want to share with you not only the joy of producing fresh, delicious food for your family, but also the health advantages.... spending time in the fresh air and sunshine, stress relief, and chemical free, vitamin filled, fresh, natural foods - what our bodies really crave for and need.

Now you can access the information you want quickly and easily, to make planning and growing your vegetable garden a breeze! Growing our own food makes us less reliant on commercially grown foods. Who knows how long produce might have been sitting around on a shelf, or in a cooler room?

Do you wonder just what chemicals have been sprayed on that perfect-looking tomato, that really is quite tasteless? Being able to walk out to your organic vegetable garden and pick your own food - now let's see... how many food miles is that? - Oh, it's none!

You'll instantly discover...
Your very best area to grow your vegetables
How to build up healthy, fertile soil without costing a fortune
How to feed your soil - the organic ways
How to create an easy, 'no-dig' veggie plot
Massive savings by learning how to grow from seeds
9 Essential tips to successfully transplanting your seedlings
Tips for the most effective watering
Why mulching is a must in every organic garden
5 easy ways to keep your garden weed free
How to slash your food bill in half
The 7 crucial ingredients to making great compost
What never to put into your compost
How to make your own organic liquid fertilizers, saving $$'s
Natural ways to protect your plants from pests and disease
Top 10 easiest veggies to grow
Secrets to growing lush, healthy herbs
Why to include perennial vegetables
What you must do to grow your food if space is limited
How much to plant for your family's needs
And that's just a small glimpse of what's included. This gardening guide was created to give you simple, concise steps to easily create the right organic food garden for your family. I've gathered this information from both my own experience and from many different resources over the past 20 years.
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g: 2 Posted By: remick
Views: 273 Replies: 2 http://www.amazon.com/dp/B00J4BA01K

Hawaii is famous for her pristine beaches and awesome scenic attractions, but few visitors realize there are hundreds of great things to do and see in the Islands that are absolutely free.
This guidebook will tell you where to find ancient archaeological sites, stargaze atop Mauna Kea, visit the USA's only rainforest zoo, sample wine on Maui, take guided hikes through gorgeous botanical gardens, watch Japanese folk dancing, and much more. All for FREE!
Frances Carter has compiled a gold mine of ideas and tips for enjoying Americas paradise inexpensively. For the budget traveler or anyone who loves a bargain Hawaii for Free is an essential resource.
Totally Free Deals
g: 0 Posted By: remick
Views: 37 Replies: 0 http://www.amazon.com/gp/product/B009TE79XO

4.7 out of 5 stars (29 customer reviews)

#1 Amazon Bestseller ● #1 Rated College Success Book in America (Voice of Youth Advocates Review)

"I read Kick Ass in College cover to cover in only 3 days. After the first hour, I felt a great sense of motivation to pursue my studies and enjoy college... The chapters unfold with urgency, frankness, and humor. Gunnar really speaks the truth..." ~U. Phan / 5.0 out of 5 stars

"Head and shoulders above the rest... I searched for words of wisdom that would ease my daughter's transition into college life. I ended up buying her 3 books. But it was Kick Ass in College that she found to have the best information and helpful hints to survive... We liked this book so much it has become my standard high school graduation gift!" ~Gayle Keller / 5.0 out of 5 stars

Limited-Time Price! ● Click On Book Cover Above to "Look Inside" for a Quick VIDEO INTRODUCTION!

"The most succinct, practical, engaging and immediately useful success-in-college book available." ~Voice of Youth Advocates Library Review

"I absolutely love Kick Ass in College. I have read the book twice before, and now for the third time. I re-read it before each semester, and I have been kicking ass ever since. I had to leave school with a 1.5 G.P.A. but when I came back my grades jumped to a 3.4. I graduated with a 3.8! The book is wonderful and I recommend it to every college student I know!" ~K. Williams, Bowie State University | 5.0 out of 5 stars

"...will save students a lot of heartache... invaluable coaching for college." ~Professor John Barberet, University of Central Florida

"I wanted to give you a big THANK YOU! I'm returning to college in the spring (UCLA). I was feeling very intimidated... I appreciate the things you've demystified and clarified for me and the organized, concise and fun way you delivered this information!" ~Raquel Brejtfus, Barnes & Noble customer

"Must-read material for students seeking to use their degree as a springboard to an exciting career." ~Barbara Eureste, Director of the Career Placement Center, University of Texas at Austin

YES, Kick Ass in College is laugh-out-loud funny. But author Gunnar Fox is out for more than his readers' laughter: he wants their full attention and commitment to his study techniques and life strategies. In addition to providing a blueprint for classroom success and preparing students for the highly competitive job market that awaits them, this instant college classic tackles relationships, substance abuse and many other real-world issues.
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Moosejaw.com GET 30% BACK in Reward Points with code 3XREWARD
Added on : Monday April 21st 2014 03:00:02 AM
g: 0 Posted By: tedhawkins
Views: 37 Replies: 0 Moosejaw.com GET 30% BACK in Reward Points with code 3XREWARD

http://www.moosejaw.com/moosejaw/shop/search_REWARDSPROMO____?pr...



(Below content is for their usual 10% REWARDS POINTS)

EARN Moosejaw REWARDS POINTS

Moosejaw Rewards is all about gear and clothing at NO CASH COST, adventure and fun in a loving and punctual world. Actually, it is really just about getting gear and clothing at no cash cost. Use your reward points to buy a Moosejaw T Shirt, a North Face Fleece, an Arcteryx Pack and much, much more.

Earning points is really, really easy. Shop online at Moosejaw.com, call us at 877-Moosejaw (877-666-7352), or visit our super cool retail shops in Michigan and Illinois. You earn 10 points for every dollar you spend on regular priced items and you earn 5 points for every dollar you spend on discounted items. So, if you buy a Moosejaw Hoody at Moosejaw.com for $50, you earn 500 points. From time to time, we'll email you special offers where you can earn even more points. They said you don't get any Reward Points when you get a gift card, but you do get points when you spend a gift card. Please stop reading this now.

If you did not get an A in math or if you have lost lots of money betting and don't like talking about points please assume you get 10% of your money back in the form of points to use at Moosejaw.com. If you get a $200 jacket at Moosejaw.com you can turn around and get a $20 pair of sandals at Moosejaw Rewards.

To earn points, you must sign up for an account online or at the Moosejaw shops and start shopping. There is absolutely no charge! Points are tracked by email address so hopefully you're not afraid to provide your email address to us. We'll email you points updates and special offers and you can opt out of email at any time without losing any points.

Your points expire two years after they are earned so be sure to spend all your points before then. After the two years are up, the expiring points will automatically be removed from your balance by our Reward Points Overlord (RPO). The RPO is extremely cranky and insists that once the points are gone, they are gone. Sorry for being so mean about it.

Use of points under Moosejaw's Rewards Program constitutes acceptance of all the program's terms and conditions, except where prohibited by law. Moosejaw reserves the right to change these policies or cancel this promotion at any time.

Love the Madness,
Moosejaw
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g: 0 Posted By: ctgolfer
Views: 48 Replies: 0 New other (see details): A new, unused item with absolutely no signs of wear. The item may be missing the original packaging, or in the original packaging but not sealed. The item may be a factory second or a new, unused item with defects.

I747 is AT&T Unlocked phone and works with any GSM carrier
4G Network
3G Network
Display/Super AMOLED capacitive touchscreen
Bluetooth
Wi-Fi
Camera/8 MP 3264x2448 pixels autofocus LED flash

www.ebay.com/itm/191017298736
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Belkin Thunderstorm Speaker Case (iPad 2 3rd Gen) - $84.99 + FS @ Amazon
Added on : Wednesday April 16th 2014 01:00:02 AM
g: 0 Posted By: st4rdust
Views: 222 Replies: 0 Web's Best Deals (via Amazon) has a Belkin Thunderstorm Speaker & Case(iPad 2 & 3rd Gen) for $84.99with free shipping. (If you'd rather go directly through Amazon, they have an option on the right-hand side for purchasing it through them for $88.85.)

4.2/5 stars based on 60 customer reviews.

Full range speaker system. The high efficiency speakers create deep, rich, immersive sound
The iPad fits seamlessly in the lightweight enclosure. Smooth and optimally balanced, the surface is comfortable and easy to grip
The free Thunder app provides extended control with three different soundscapes
The multifold provides a variety of comfortable and convenient viewing and listening angles. And, of course, protects your iPad screen when not in use
Air channels are integrated into Thunderstorm's main panel, allowing bass frequencies to come alive
Perfect for music and web video, great for movies, and games will absolutely explode off the screen


According to a Google Products shopping comparison, the next lowest price from a rated merchant for this online is $151.90.

In-depth review from 9to5 Mac here.
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Razer Deathadder 2013 Edition $51.99 at Best Buy Free Shipping
Added on : Tuesday April 15th 2014 09:00:03 PM
g: 0 Posted By: HookLuvsDeals
Views: 152 Replies: 0 http://www.bestbuy.com/site/deathadder-2013-gaming-mouse/8157061... deathadder 2013&cp=1&lp=1

Picked one up in store today, I am absolutely in love with this mouse
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g: 0 Posted By: tuphat
Views: 189 Replies: 2 "Rowan Williams, the former Archbishop of Canterbury, has challenged the assumption that borrowers always have a moral responsibility to pay back their loans.

Debt repayment is not a "moral absolute", he said, because banks and lenders have themselves failed to accept the moral responsibility for their lending.

Dr Williams said the global financial system has repeatedly ignored and sidelined in every possible way the principles on which much of the Western world's moral code is based."

http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/...

FWIW, I think the padre is walking a very very fine line ...
General Economics Deals
Free Christian Audio Book: The Truth of the Cross
Added on : Thursday April 10th 2014 04:00:07 AM
g: 0 Posted By: remick
Views: 147 Replies: 0 http://www.ligonier.org/blog/truth-cross-free-audiobook/

​During the month of April, were giving away the unabridged audiobook download of The Truth of the Cross by R.C. Sproul and read by Lawrence F. Pritchett.In The Truth of the Cross , Dr. Sproul surveys the great work accomplished by Jesus Christ through His crucifixionthe redemption of Gods people. He considers the atonement from numerous angles and shows conclusively that the cross was absolutely necessary if anyone was to be saved. The Truth of the Cross is an uncompromising reminder that the atonement of Christ is an absolutely essential doctrine of the Christian faith, one that should be studied and understood by all believers.
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T-Mobile Simple Starter $40 Unl Talk Text +500MB
Added on : Wednesday April 09th 2014 08:00:05 AM
g: 1 Posted By: VoR
Views: 243 Replies: 2 Launching April 12th, theSimple Starterplan - at only $40 a month for unlimited talk and text and up to 500MB 4G LTE data and tethering - is purpose-built for value-conscious wireless customers and small businesses that want predictability and affordability, and promisesabsolutely no data overages.All on America's fastest nationwide 4G LTE network.

http://newsroom.t-mobile.com/phoenix.zhtml?c=251624&p=irol-newsA...
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g: 13 Posted By: remick
Views: 2644 Replies: 2 http://www.amazon.com/gp/product/B00BXJCG1S

4.6 out of 5 stars (5 customer reviews)

Thinking about refinishing your kitchen cabinets?
Look no further. In this new book by home improvement author John Miller you'll learn the easy step-by-step methods to improve the look of your cabinets and transform your kitchen.

You'll learn:

- How to paint, repaint, stain and resurface your kitchen cabinets the right way.
- What tools and materials you absolutely must have to make the most of your project -- and what you can do without.
- When to hire a pro to do the job -- and which contractors to avoid at all costs!
- What to expect from those DIY refinishing kits, and how to budget accordingly. Hint: expect to pay more!
- How to determine what finish is on your cabinets now...and how to remove it correctly. Using the wrong stripping agent could ruin your cabinets permanently.
- The proper way to measure the square footage of your cabinets so that you don't overspend on materials.

John Miller takes you by the hand and walks you through the process of refinishing your kitchen cabinets the right way. This is the no-nonsense book you've been looking for -- complete with photographs to help you along. Grab your copy today!

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g: 0 Posted By: ctgolfer
Views: 103 Replies: 0 www.ebay.com/itm/371035222504
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g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/gp/product/B00BXJCG1S

4.6 out of 5 stars (5 customer reviews)

Thinking about refinishing your kitchen cabinets?
Look no further. In this new book by home improvement author John Miller you'll learn the easy step-by-step methods to improve the look of your cabinets and transform your kitchen.

You'll learn:

- How to paint, repaint, stain and resurface your kitchen cabinets the right way.
- What tools and materials you absolutely must have to make the most of your project -- and what you can do without.
- When to hire a pro to do the job -- and which contractors to avoid at all costs!
- What to expect from those DIY refinishing kits, and how to budget accordingly. Hint: expect to pay more!
- How to determine what finish is on your cabinets now...and how to remove it correctly. Using the wrong stripping agent could ruin your cabinets permanently.
- The proper way to measure the square footage of your cabinets so that you don't overspend on materials.

John Miller takes you by the hand and walks you through the process of refinishing your kitchen cabinets the right way. This is the no-nonsense book you've been looking for -- complete with photographs to help you along. Grab your copy today!

Books & Magazines Deals
g: 2 Posted By: MrsGuin
Views: 289 Replies: 1 Rakuten.com - http://www.rakuten.com/prod/kensington-absolutepower-charge-sync-stand-wired-iphone-ipod-charging/250134391.html
eBay - http://www.ebay.com/itm/Kensington-AbsolutePower-iPhone-5-5s-USB-AC-Wall-1-Amp-Charger-Sync-Dock-Stand-/371035222504


Batteries & Chargers Deals

Rakuten.com Shopping Coupons
Barclaycard arrival, have both annual fee and no annual fee
Added on : Thursday April 03rd 2014 05:00:12 AM
g: 0 Posted By: incognito2
Views: 6 Replies: 0 First of all Barclaycard customer service is absolutely terrible.

I already have the no annual fee card from Barclaycard, I will have so big expenses in the next couple of months, and I want to get a new card, with a big bonus after $2000-$3000 of spending in the first three months. I don't know if I am eligible to be approved for the Barclaycard Arrival with an annual fee, or if I am approved, if I am still eligible for the bonus.
Credit Deals
Another IRS Audit Risk Reduction Puzzle
Added on : Tuesday April 01st 2014 12:00:07 PM
g: 0 Posted By: ToddC
Views: 52 Replies: 1 If IRS owes me, let's say $10K, because I overpaid my tax estimates, would it reduce Audit Risk in general if I applied this to my 2014 taxes as credit (as a lump-sum advance payment for 2014 tax estimate payments) rather than requesting a refund due to its large amount, or it "absolutely" does not make any difference? I guess IRS would be happier if I extend them a free loan (although still this would be my lump-sum tax estimate payment for 2014 instead of paying them in quarterly installments).
Tax Deals
g: 0 Posted By: Ayla
Views: 1 Replies: 0 V1.5 ELM327 OBD2 CAN-BUS Diagnostic Interface Scanner - $10.99 at Newegg




http://www.newegg.com/Product/Product.aspx?Item=9SIA1NV0KV7565



Reg. Price: $46.98


Sale: $10.99



Features:
~~~~~~~~~
Very user-friendly, easy to learn, and easy to install.
The processor is an ELM327.
The output protocol (connection to laptop) is USB.
The software supports two platforms - DOS and Windows(not include Windows 7).
Read diagnostic trouble codes, both generic and manufacturer-specific, and display their meaning (over 3000 generic code definitions in the database).
Clear trouble codes and turn off the MIL ("Check Engine" light).
Display current sensor data, including:
Engine RPM
Calculated Load Value
Coolant Temperature
Fuel System Status
Vehicle Speed
Short Term Fuel Trim
Long Term Fuel Trim
Intake Manifold Pressure
Timing Advance
Intake Air Temperature
Air Flow Rate
Absolute Throttle Position
Oxygen sensor voltages/associated short term fuel trims
Fuel System status
Fuel Pressure
Many others...
g: 0 Posted By: jcaserta
Views: 105 Replies: 3 Hi,

So my gf backed into someone on the way to work yesterday. It was at 2 mph or something, super minor accident, but unfortunately we had the trailer hitch on. So it put a dent in their bumper. Our truck is completely unharmed.

GF basically admitted to being at fault, which is fine. Gave insurance info, the other person filed a claim with our insurance company (Travelers). She got a repair quote from the most expensive shop in the area and it was $1050 or so. I've gotten quotes from this place before for our own work and it's been 3x what other places charge but fine.

Our deductible is $1000 so going through insurance gains us nothing. And we've both been completely accident free before this. From reading online it looks like this will raise our rates by 25% at least, which we have a few high value cars so that will be a pretty substantial increase, at least a few hundred $ every 6 months.

We tried offering the cost of repairs based on that quote plus a little bit extra to the person if they retract the claim but they won't budge and say they have to go through insurance. Has this been other people's experience as well? This is new territory for me, I've never been at fault in an accident.

I'm thinking about offering them $2k or something since that will absolutely pay for itself if our premium would actually go up a few hundred every 6 months for a few years, if I do this is there any guidance from anyone as to precautions to take or if this is a good idea.

Any other input?
Personal Finance Deals
Safest way to receive money from abroad?
Added on : Wednesday March 26th 2014 11:00:09 AM
g: 0 Posted By: PoodleMan
Views: 141 Replies: 5 I need to receive around 10,000 USD from Japan. I don't want to give the sender my bank account number and I would prefer not to use a service that offers the ability for the sender to clawback or dispute the transaction once made. Would xe.com or a similar service be a good fit? Though I would prefer to avoid fees, as much as possible, I'd prefer to be safe and not have issues down the road. Specifically, I don't want the sender to be able to screw me or have any more of my personal info than absolutely necessary.

In case there is any curiosity, I will be paying income tax on the amount received. I don't care how much of a paper trail is created, as I am not cheating the government out of a dime.

Anyone have any suggestions? Useful ideas? Warnings?
Personal Finance Deals
YNAB budgetting software is Now Free for College Students
Added on : Wednesday March 26th 2014 06:00:12 AM
g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.youneedabudget.com/blog/2014/ynab-is-now-free-for-col...

Were fighting free with free. I was given a free t-shirt when I signed up for my first Visa credit card while in college (charged a mattress on it, forgot about the payment, paid it off, and cut it up in disgustthe card, not the mattress).

More kids are graduating from college absolutely weighed down by student debt. I dont know what portion of their debt is avoidable, but Im confident that if those students were following YNABs Four Rules, they would graduate with less debt.

Starting today, if youre a college student (even only part-time), well let you use YNAB for free while youre in school.

How to Obtain Your Free Copy of YNAB

Write to us at support@youneedabudget.com and include proof of registration at your college.

Well send you a special license key, good until the end of the calendar year.

At the end of the year, just shoot us another email if youre still cranking away on your schoolwork, and well send you a new license key thats good for the entire next year
Limited Eligibility Deals
g: 0 Posted By: CheapToGo
Views: 30 Replies: 0 T-Mobileis offering a web-only deal on the HTC One (Glacial Silver) in a REFURBISHED condition. $312.
You can pay for it entirely or go along with their 24-month plan, although paying it off in any time period within the 24 months is also welcomed. As long as you pay for that full price then it does not matter within the 24-month stretch.
Great phone, great design, and great specs, even when it is 1 flagship behind.

I personally purchased one in January of this year when I saw this deal. Absolutely flawless when I opened the package. No scratches anywhere....ANYWHERE! Screen perfect and no dead pixels. Battery life as if I bought a new phone. I felt like I hit a jackpot when I got it. No one could tell it was refurbished.

Link to phone here...
Cell Phones Deals
Removing PMI - Wells Fargo is Evil :(
Added on : Monday March 24th 2014 04:00:06 PM
g: 0 Posted By: SaguratuS2
Views: 119 Replies: 2 Hey everyone,
I've run into my second major issue dealing with Wells Fargo on my mortgage (the first time, they 'lost' $10k worth of principal payments, which took nearly half a year to fix). I went to remove my PMI from my loan, and WF said I still had $20k to go. My loan-to-value is just below 80% at 151k, with the original appraisal being 189,000. I refinanced back in early 2012, and I discovered that they put the refi amount as the appraisal ($164,000). I've been fighting them for months on this issue, and I've gotten absolutely nowhere.

They said I could order another appraisal, but they won't consider it unless I've done something to the house to increase its value. Right now, I'd estimate it would appraise around $214,000 given the market, but I haven't made any notable improvements.

Am I SOL, or is there anything I can do?
Personal Finance Deals
g: 4 Posted By: remick
Views: 864 Replies: 0 http://www.amazon.com/How-Win-Bass-Tournament-Fishermen-ebook/dp...

The eight professional bass fishermen in this book have earned a total of more than $21 million combined in tournaments. Most of them have at least doubled their tournament winnings with sponsor endorsements, speaking engagements and TV appearances. These men are some of the best tournament bass fishermen.

In this book, you'll not only learn their tactics, baits and lures for winning tournaments, but they'll also give you additional information and fishing tips in video links throughout. You'll learn how to deal with the worst problem you can have when fishing a tournament - when your pattern blows up and the way you've been catching bass with lures and techniques you've thought will work stops producing. What do the best of the best do when their patterns blow-up? They'll tell you in person in the bonus videos.

Professional bass fishermen are different. They're absolute perfectionists in their mental attitudes, physical endurance and abilities to use intuition more than rational thought to find and catch bass. They're also extremely observant. If the wind changes direction, the sun's blotted-out by clouds, there's a 10-degree drop in temperature, or they see shad flicking on the surface, they know immediately what they need to do and what changes they need to make to continue to catch bass. These anglers not only figure-out the lure and the type of structure the bass are holding on, but also the time of day they're most likely to bite. Denny Brauer says there are three types of tournament fishermen: "Those who know they won't win a tournament, those who think they might win a tournament, and those who know they will win a tournament." If you want to be a winner, not just an also-ran in tournament bass fishing, this book is a must.

Now featuring a bonus chapter of delicious bass recipes!

"Award-winning Alabama author John Phillips probably knows more pro bass anglers personally than any other writer in the business." --Frank Sargeant, premier outdoor writer and editor of The Fishing Wire (thefishingwire.com)
Totally Free Deals
g: 11 Posted By: remick
Views: 1413 Replies: 1 http://www.amazon.com/dp/B00CR1DX22

4.4 out of 5 stars (8 customer reviews)

This book will make you think, it will challenge your assumptions and make you exclaim "Well I never!" It is a book for anybody interested in psychology whatever their connection with the topic.
If you are a psychology student this book will confirm what a great decision you made to study this fascinating subject.
If you are thinking about studying psychology this book will convince you that you absolutely should.
If you teach psychology this book will provide you with plenty of engaging material to present in class.
And if you just have a general interest in the subject, this book will make you realize that psychology covers a variety of topics which are applicable to many people's lives, including your own.



Totally Free Deals
Free Kindle Book- The Incredibly Interesting Psychology Book
Added on : Friday March 21st 2014 05:00:14 AM
g: 0 Posted By: remick
Views: 54 Replies: 0 http://www.amazon.com/dp/B00CR1DX22

4.4 out of 5 stars (8 customer reviews)

This book will make you think, it will challenge your assumptions and make you exclaim "Well I never!" It is a book for anybody interested in psychology whatever their connection with the topic.
If you are a psychology student this book will confirm what a great decision you made to study this fascinating subject.
If you are thinking about studying psychology this book will convince you that you absolutely should.
If you teach psychology this book will provide you with plenty of engaging material to present in class.
And if you just have a general interest in the subject, this book will make you realize that psychology covers a variety of topics which are applicable to many people's lives, including your own.



Totally Free Deals
g: 0 Posted By: manmohanrawat
Views: 67 Replies: 2 Story so far;
Wife got into a fender bender at wholefoods , exchanged insurance information , contacted OP's insurance the same day was given claim # and was told to get an estimate from the adjuster. that was last year Nov 2013
After 45 days was told they are not able to get in touch with the client ,and I got 2 more letters from OP's insurance company asking for me time and then in Feb this year I call them and then I am told they are not able to get in touch with the client and hence will be denying the claim
I just have liability only cause of an older car , Gieco now is saying that I am on my ownI went thru this archived thread and have come up with one option (Car Accident: Other Party At Fault - Denies Responsibility After the Fact To Insurance)SUE that person in small claims court

wife has pictures of the accident and insurance cards
my wife tried to get her to record a conversation but that person could not speak or hear

I was told by OP's insurance company that even if I did get that in writing they would absolutely have to talk to that person and it would have not mattered even if there is a police report.

Any ideas or suggestion.. apart from the option i mentioned above Sue in small claims











Personal Finance Deals
g: 1 Posted By: remick
Views: 88 Replies: 0 http://www.amazon.com/How-Win-Bass-Tournament-Fishermen-ebook/dp...

The eight professional bass fishermen in this book have earned a total of more than $21 million combined in tournaments. Most of them have at least doubled their tournament winnings with sponsor endorsements, speaking engagements and TV appearances. These men are some of the best tournament bass fishermen.

In this book, you'll not only learn their tactics, baits and lures for winning tournaments, but they'll also give you additional information and fishing tips in video links throughout. You'll learn how to deal with the worst problem you can have when fishing a tournament - when your pattern blows up and the way you've been catching bass with lures and techniques you've thought will work stops producing. What do the best of the best do when their patterns blow-up? They'll tell you in person in the bonus videos.

Professional bass fishermen are different. They're absolute perfectionists in their mental attitudes, physical endurance and abilities to use intuition more than rational thought to find and catch bass. They're also extremely observant. If the wind changes direction, the sun's blotted-out by clouds, there's a 10-degree drop in temperature, or they see shad flicking on the surface, they know immediately what they need to do and what changes they need to make to continue to catch bass. These anglers not only figure-out the lure and the type of structure the bass are holding on, but also the time of day they're most likely to bite. Denny Brauer says there are three types of tournament fishermen: "Those who know they won't win a tournament, those who think they might win a tournament, and those who know they will win a tournament." If you want to be a winner, not just an also-ran in tournament bass fishing, this book is a must.

Now featuring a bonus chapter of delicious bass recipes!

"Award-winning Alabama author John Phillips probably knows more pro bass anglers personally than any other writer in the business." --Frank Sargeant, premier outdoor writer and editor of The Fishing Wire (thefishingwire.com)
Totally Free Deals
g: 0 Posted By: DaysFan
Views: 296 Replies: 0 TOYOTA GRAND PRIX OF LONG BEACH FRIDAY TICKETFREE
http://weeklyspecials.vons.com/customer_Frame.jsp?drpStoreID=3263&showFlash=false http://weeklyspecials.vons.com/SafewayVons03122014VonsWeeklyAd/breakouts/b1026391_4.jpg
APRIL 11-13, 2014
WHEN YOU BUY 5 5.3-oz. Greek single serve cups of

Dannon
Oikos,
Activia,
Light & Fit, or
YoCrunch Yopa!(TM) yogurt.


Offer Valid 3/12/14-3/25/14. See store for details.

coupon prints at checkout
Limit 1 per customer
Valid 3/12/14 - 3/25/14

www.freeticketdays.com/offer-terms-and-conditionsDannon Toyota Grand Prix of Long BeachBetween March 10, 2014 and March 28, 2014 all customers that visit any participating Vons or Pavilions store in Southern California and make a single purchase transaction of five (5) 5.3-oz. cups of Dannon OIKOS, Dannon Activia Greek, Dannon Light & Fit Greek, or YoCrunch Yopa! Greek yogurt will receive a voucher good for one (1) free general admission ticket to the Toyota Grand Prix of Long Beach for Friday, April 11, 2014 only (Gift). (Approximate retail value $28). Customer will receive voucher at time of checkout. Voucher must be presented at any ticket entrance at the Long Beach Grand Prix on April 11, 2014 to be exchanged for one (1) free ticket.Customers must be legally and physically residing in one of the 50 United States or the District of Columbia and be at least 18 years of age (19 in Alabama and Nebraska, 21 in Mississippi) at time of purchase of qualifying products. Other conditions and restrictions may apply. Offer good only while supplies last. Employees, including their immediate families and members of the same household, of The Dannon Company, Inc., 100 Hillside Avenue, White Plains, New York 10603-2863 (Sponsor), and The Marketing Arm Inc. (Administrator), and their respective parent companies, affiliated companies, subsidiaries, advertising, promotion and administrative agencies, and their respective agents, employees, officers, directors, successors and assigns (Promotion Entities) are not eligible to participate. Limit one (1) Gift per customer. Offer cannot be combined with any other offer or sold or redeemed for cash. No substitutions or rain checks. Gift cannot be transferred or assigned. Theft, diversion, reproduction, transfer, sale or purchase of this offer is prohibited and constitutes fraud. Void if altered, duplicated, copied, reproduced, transferred, sold, exchanged or expired. Sponsor reserves the right, in its sole discretion, to substitute Gift with one of equal or greater value. Promotion Entities are not responsible for lost, damaged or stolen Gifts. THIS PROMOTION AND ALL GIFTS ARE PROVIDED AS IS WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. CUSTOMERS ACKNOWLEDGE THAT PROMOTION ENTITIES HAVE NEITHER MADE NOR ARE IN ANY MANNER RESPONSIBLE OR LIABLE FOR ANY WARRANTY, REPRESENTATION OR GUARANTEE, EXPRESS OR IMPLIED, IN FACT OR IN LAW RELATIVE TO THE GIFTS AND ANY IMPLIED WARRANTY OF MERCHANTABILITY OF FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS. By accepting a Gift customers agree to indemnify, defend and hold harmless Promotion Entities from any and all damages, claims, and liability arising out of or relating in any way to customers participation in Promotion and acceptance or use of any Gift and to release all rights to bring any claim, action or proceeding against Promotion Entities for any injuries or death, theft, loss or damage of any kind, or any other harm suffered directly or indirectly arising from or in connection with participating in Promotion. Promotion Entities are not responsible if Promotion cannot take place or if any Gift cannot be awarded due to cancellation, delays, interruptions or failures due to acts of God, war, natural disasters, weather, acts or threats of terrorism, strikes, lockouts, labor disputes, work stoppages, fire, acts of government, or other events outside of the reasonable control of Promotion Entities. Promotion Entities assume no responsibility for any technical, hardware, software, telephone or other communications malfunctions, errors or failures of any kind, unauthorized human intervention, incomplete or inaccurate capture of information (regardless of cause) or failed, incomplete, garbled, jumbled or delayed computer transmissions that may limit ones ability to request or receive a Gift. Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify, extend or suspend Promotion should, in its sole discretion, causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the Promotion. Sponsor reserves the right, at its sole discretion, to disqualify any individual it finds, in its sole discretion, to be tampering with the operation of the Promotion or intending to annoy, abuse, threaten or harass Sponsor or any other person. All federal, state and local taxes are the sole responsibility of the customer. All other costs and expenses associated with Gift are solely recipients responsibility. All federal, state and local laws and regulations apply. Void where prohibited or restricted by law.ANY ATTEMPT BY ANY PERSON TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAW, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEYS FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.AS A CONDITION OF PARTICIPATING IN THE PROMOTION, CUSTOMER AGREES THAT: (I) UNDER NO CIRCUMSTANCE WILL CUSTOMER BE PERMITTED TO OBTAIN AWARDS FOR, AND CUSTOMER HEREBY WAIVES ALL RIGHTS TO CLAIM, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR ANY OTHER DAMAGES, OTHER THAN FOR OUT-OF-POCKET EXPENSES; (II) ALL CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THIS PROMOTION, OR ANY GIFT AWARDED, SHALL BE RESOLVED INDIVIDUALLY-WITHOUT RESORT TO ANY FORM OF CLASS ACTION-BY BINDING ARBITRATION (BY A SINGLE NEUTRAL ARBITRATOR SELECTED BY SPONSOR IN ITS SOLE AND ABSOLUTE DISCRETION) IN ACCORDANCE WITH THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION; AND (III) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS INCURRED, BUT IN NO EVENT SHALL SUCH CLAIMS, JUDGMENTS OR AWARDS INCLUDE ATTORNEYS FEES. THIS PROMOTION SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.
Dairy Deals
Legal trouble with Chase bank
Added on : Friday March 14th 2014 10:00:08 AM
g: 1 Posted By: acesfullof8s
Views: 172 Replies: 6 Hopefully you guys can help me with this, or point me in the right direction.

I have been a customer with Chase for 7 years, and they hold the second mortgage on my house. In January I deposited a check from a Canadian company. I went in a week later to withdraw some of the funds and was told I needed to speak to a manager. The manager told me they needed to speak to the maker of the check to verify it, which seemed odd to me. They said no one would answer the phone and it was up to me to get them contact information; which I did not have.

A few days later I received a letter from them saying they were closing my account due to 'unusual activity' and that I would receive a check for any remaining funds within 10 days.

On February 11th, I noted my account was zeroed out and there was a line item for a check disbursement of the full amount. I assumed I would be receiving a check any day now. But I did not.

Today I called them and they said that they would release the funds when they could speak to someone at the company, in fact, at first they said I needed to bring in a representative of the company in with two forms of ID to a local branch. Which seemed absolutely ludicrous to me. I told them that I had no contact information, and would not be able to provide it, that it had been two months and either that check had cleared or bounced in the interim. If it had cleared, give me the money, if it had bounced, then return the check to me. They told me that they would do neither and would hold on to both until I provided this information.

This can't be legal can it? What are my options?
Question Deals
g: 0 Posted By: remick
Views: 18 Replies: 0 http://www.amazon.com/Memorable-Quotes-Greatest-Motivational-Spe...

Memorable Quotes is a collection of the absolute best inspiring and motivational quotes that have made massive and empowering impact on millions of peoples lives around the world. The quotes have collected from a wide variety of sources- magazines, books, newspapers, movies, and the internet, anywhere we found a thought acutely and beautifully expressed.

The quotes give you the extra push you need to achieve all the success life has to offer. They will inspire you to change your perspective on life and think in a new and exciting way, so that each adversity becomes a test of your mind and spirit. This book is a Must-Have for all who are looking for the motivation to improve the quality of their lives.

Read what the greatest people in the history have to say and enjoy it!
Books Deals

Amazon Coupons
Surprisingly deceptive NFCU CC descriptions
Added on : Wednesday March 12th 2014 10:00:15 AM
g: 0 Posted By: aaron27
Views: 8 Replies: 0 Apologiesfor probably making a mountain out of a molehill. I've always been a satisfied customer of Navy Federal Credit Union, but I've come across something that is simply game-playing on their part and I confronted them about it and they refuse to make it right. I'm completely taken aback at how sketchy they are.

So I have an nRewards credit card with them. It's verystraightforward. You earn one point for every dollar you spend and those points can be redeemed for "Rewards up to 1% of each dollar spent." My experience with this card has been great. You spend $5,000, you earn 5,000 points and you can easily redeem those 5,000 points for a $50 prepaid visa check card. That is exactly equal to the 1% figure they use.

I had some big purchases coming up and wanted a card with a higher limit than the $2,000 CL I have with the nRewards. I looked at their nifty comparison chart (screencap attached) and see they have a Flagship Visa card. It has an annual fee, unlike the others, but says, unlike the others, you earn two points for every dollar spent and says, clearly, "Rewards up to 2% of each dollar spent." I applied for and was approved for a new card with $5,000. Fantastic.

After receiving and activating the card, I clicked on the reward redemption link. It takes you to a page that is absolutely identical to the nRewards redemption page.Identical rewards are available. However, that same $50 check card I redeem for 5,000 points with the other card costs 10,000 points. So you earn points twice as fast, but redemptions are twice as expensive. It's a total wash. I looked through a lot of the rewards and they all amount to the exact same 1% back that's available with cards without an annual fee.

I emailed them, thinking it's a mistake. I was absolutely sure they wouldn't be so dumb as to play a silly game like that and think their customers won't notice... They reply that no, the terms say "up to 2%" not "2%." I asked them if there are ANY rewards that amount to 2% (which is their number, not mine) and they did notprovide an answer. Then I requested the $49 fee be refunded. And now they are refusing to do that! To rub salt in the wound, I made the mistake of opening the card last week. This week, if you apply for the same card, you get the annual fee waived AND you get 30,000 points. I can't even get the fee waived when I complain about their very clearly deceptive advertising... These people are absolutely nuts!
General Economics Deals
g: 0 Posted By: remick
Views: 9 Replies: 0 http://www.amazon.com/Top-Inspirational-Books-Time-super-achieve...

4.3 out of 5 stars (6 customer reviews)

Millions of motivational and inspiring books have been published throughout history and thousands of new publications emerge each year. Therefore, readers need a filter to help them recognize the good and the better from the absolute best in the endless stream of new books.
The Top 10 Inspirational Books of all Time is a collection of the absolute best inspiring and motivational books that have made a massive, positive and empowering impact on the lives of millions of people around the world. This book provides you with a summary of the main lessons, insights, and memorable quotes from the best and most influential titles ever published. By reading and learning the insights and lessons the book imparts, you could join the league of super-achievers in all areas of your life including health, wealth, relationships and happiness.
Books Deals
g: 0 Posted By: tedhawkins
Views: 152 Replies: 0 $5 OFF Garlic Press Stainless Steel - Crusher Mincer Best for Even Unpeeled Cloves and Ginger $19.92 FS Prime

http://www.amazon.com/Garlic-Press-Stainless-Steel-Scientificall...

Save $5.00 with code TJFM2YO3

THE BEST GARLIC PRESS ON THE MARKET - Made from professional grade 18/10 heavy duty stainless steel, Bru Joy Deluxe Garlic Press delivers the highest quality, exceptionally well-made and will not break. It's time to get rid of cheap and inferior garlic presses! Strong and sturdy, Bru Joy Garlic Press is guaranteed to last years in your kitchen!
EASY TO USE - No need to peel the garlic! Thanks to the superb German design and engineering built into our 8-inch Garlic Press, you can crush even unpeeled cloves in seconds. A normal mom's hand strength can effortlessly make beautifully minced garlic pulp with our easy-squeeze garlic press. The best part is that your hands won't smell like garlic any more!
DISHWASHER-SAFE & EASY TO CLEAN -the big capacity garlic chamber (able to hold cloves of any size) flexibly flicks open for easy skin-removal, rinsing and cleaning. Just pop the clove in, have a good squeeze then open the chamber to remove the skin and give the garlic press a quick rinse or pop it into the dishwasher. That's all you need to do to get freshly minced garlic!
GREAT VALUE FOR YOUR MONEY - Invest in Bru Joy Garlic Press and get the best out of your garlic cloves! Imagine turning firm cloves of garlic into juicy garlic mince in seconds with just one easy squeeze. Beautiful and functional, Bru Joy Garlic Press will utilize more of your garlic cloves, with less waste. All that's left in the chamber is the skins. You will be getting the absolute maximum out of your garlic cloves while you watch your grocery dollars stretch just a little bit farther!
FREE SHIPPING WITH PRIME - To take advantage of our ONE WEEK ONLY, low introductory price offer, GO NOW to the top of the page and click the Add to Cart button to place the Garlic Press in your shopping cart. If you care enough about someone to give them the best, think about giving them Bru Joy Garlic Press. It's beautifully packaged in a box and makes a great bridal shower or wedding gift. LIFE TIME warranty
Home & Garden Deals

Amazon Coupons
American Baby magazine FREE
Added on : Wednesday March 05th 2014 05:00:19 AM
g: 0 Posted By: attaallah
Views: 173 Replies: 0 American Baby magazine FREE
Say YES to your FREE SUBSCRIPTION today! Simply fill in the form below and click "Subscribe Now". You'll receive American Baby magazine ABSOLUTELY FREE! - no hidden fees, strings or gimmicks! (U.S. requests only)

http://www.mysavings.com/offer/american-baby.asp?

Totally Free Deals
Super Jeweler Save 90% Clearance Sale
Added on : Monday March 03rd 2014 05:00:09 AM
g: 0 Posted By: jacqcamer
Views: 101 Replies: 1 SUPER JEWELER SAVE 90% CLEARANCE SALE

Save an extra 20% off all clearance jewelry with coupon code...CLEARANCE

Some exclusions apply. Limited one time offer. Supplies are limited.

Absolutely, totally free shipping anywhere in the world.

Money back guarantee. Lifetime guarantee. Jewelry education.

http://www.superjeweler.com/clearance-jewelry/default.asp?.

Jewelry Deals
g: 9 Posted By: remick
Views: 1103 Replies: 0 http://www.amazon.com/dp/B00958HUN8/

4.5 out of 5 stars (59 customer reviews)

Have you always wanted to learn to chainmail but were afraid it's too difficult to learn or too expensive?


This is the first in a series of books detailing how to chainmail for beginners with absolutely no experience. Chain mail, also known as chainmail, maille, or chainmaille is a great hobby for any age that doesn't involve just making armor.

You can make almost anything from chainmail. Below are just a few examples of what you can make:
Jewerly (Bracelets, Necklaces, Anklets, Earrings, Rings)
Clothing (Bikini tops, Belts, Shirts, Ties)
Art
Armor
Inlays (pictures in your maille)
And much, much more!

In this beginner's book you'll learn the following:
A short history of chain mail
Different rings used and the kinds of metals
How to open and close rings correctly
Tools used like pliers and different kinds
An overview of the family of chainmail weaves
How to weave 7 of the more common, simpler weaves shown in 3D graphics
Resources for purchasing rings and tools
3 Starter Projects:
Women's Choker Necklace
Men's Flat Bracelet
Pouch or Dice Bag

Chainmail is neither difficult to learn nor expensive. All it takes is a willingness to try something new no matter your age, education, or income!
Books & Magazines Deals
g: 0 Posted By: ctgolfer
Views: 263 Replies: 0 www.meijer.com/s/absolute-zero-velvet-blackout-home-theater-curt...
Decor Deals

Meijer Coupons
g: 0 Posted By: remick
Views: 30 Replies: 0 http://www.amazon.com/dp/B00958HUN8/

4.5 out of 5 stars (59 customer reviews)

Have you always wanted to learn to chainmail but were afraid it's too difficult to learn or too expensive?


This is the first in a series of books detailing how to chainmail for beginners with absolutely no experience. Chain mail, also known as chainmail, maille, or chainmaille is a great hobby for any age that doesn't involve just making armor.

You can make almost anything from chainmail. Below are just a few examples of what you can make:
Jewerly (Bracelets, Necklaces, Anklets, Earrings, Rings)
Clothing (Bikini tops, Belts, Shirts, Ties)
Art
Armor
Inlays (pictures in your maille)
And much, much more!

In this beginner's book you'll learn the following:
A short history of chain mail
Different rings used and the kinds of metals
How to open and close rings correctly
Tools used like pliers and different kinds
An overview of the family of chainmail weaves
How to weave 7 of the more common, simpler weaves shown in 3D graphics
Resources for purchasing rings and tools
3 Starter Projects:
Women's Choker Necklace
Men's Flat Bracelet
Pouch or Dice Bag

Chainmail is neither difficult to learn nor expensive. All it takes is a willingness to try something new no matter your age, education, or income!
Diamondback Overdrive 29er mountain bike $224 (msrp: $550)
Added on : Thursday February 20th 2014 03:00:03 PM
g: 1 Posted By: robstahl21
Views: 287 Replies: 1 from REI outlet... free ship to store (otherwise $75 shipping)

an absolute steal of a deal. Don't expect top end components... but you won't get those for $500, let alone $230! As far as what you get for the money, haven't seen a deal like this in the mountain bike world in some time.

LINKY HERE
Bicycle Deals

REI Coupons
Windows Embedded 8.1 Industry Pro - free for students at dreamspark
Added on : Tuesday February 18th 2014 04:00:05 PM
g: 0 Posted By: kzi103
Views: 310 Replies: 2 if you are student you can get
Windows Embedded 8.1 Industry Pro
@
https://www.dreamspark.com/
absolutely free!!! You download it for free and getting the activation key for free.
Windows Embedded based onWindows Enterprise and it s the same build [9600] and it s even better than windows professional. I use it as an OC for my desktop PC.

To getWindows Embedded 8.1 Industry Pro you need to register @dreamspark.com. To do it you need [.edu] mail account.
Software Deals
Newegg Router Roundup for 2/14/14
Added on : Friday February 14th 2014 05:00:07 AM
g: 0 Posted By: ArtieLange
Views: 50 Replies: 0 1st up we have the TRENDnet TEW-692GRConcurrent Dual Band Wireless N900 Router for $39.99 shipped with coupon code EMCPHWF49 now she has a 3 out of 5 eggs and looks pretty sharp. Here are her specs:

900 Mbps of total wireless throughput!
All Gigabit wired ports
Concurrent Dual Band technology generates two separate 450 Mbps wireless n networks at the same time



2nd up we have the BUFFALO AirStation Extreme AC 1750Gigabit Dual Band Wireless Router - WZR-1750DHP she is $119.99 shipped and has 4 out of 5 eggs but also comes with a free gift with code EMCPHWF53 you will get a Linksys WUMC710Wi-Fi Wireless AC1300 5GHz Universal Media Connector Bridge Adapter 802.11ac with 4-Port Switch for absolutely free.
Some specs for the BUFFALO:

Wireless 802.11ac
Simultaneous Dual Band
5GHz Speeds up to 1300Mbps
2.4GHz Speeds up to 450Mbps
Five Gigabit Ethernet Ports
Configure as an Access Point
Configure as a Wireless Bridge
Priority Control QoS
Web Filtering and Parental Control
NVIDIA GameStream Ready



Last we have the ASUS RT-AC56UDual-Band Wireless-AC1200 Gigabit Router IEEE 802.11ac, IEEE 802.11a/b/g/n she is $99.99 shipped with code EMCPHWF42 she has 3 out of 5 eggs and here are some of her
specs:

Up to 300+867Mbps Wireless Data Rates
5th generation 802.11ac chipset
ASUS AiCloud app included
AiRadar optimizes signal strength in any direction with 150% greater coverage
USB 3.0 plus USB 2.0








Routers Deals

Newegg Coupons
g: 5 Posted By: remick
Views: 1893 Replies: 4 http://www.amazon.com/gp/product/B00G4A6VZS

4.6 out of 5 stars (87 customer reviews)

- Featured on the TODAY show!
- Editor's Choice Award! - Children's Technology Review
- "Stack the Countries is worth every penny and this is an educational purchase that you absolutely will not regret." - The iPhone Mom

Stack the Countries makes learning about the world fun! Watch the countries actually come to life in this colorful and dynamic game!

As you learn country capitals, landmarks, geographic locations and more, you can actually touch, move and drop the animated countries anywhere on the screen. Carefully build a stack of countries that reaches the checkered line to win each level.

You earn a random country for every successfully completed level. All of your countries appear on your own personalized maps of the continents. Try to collect all 193! As you earn more countries, you begin to unlock the free bonus games: Map It! and Pile Up! Three games in one!

CONTROL YOUR OWN EXPERIENCE: You can choose to focus on just one specific continent or play the whole world. You can also select which types of questions are asked.

LEARN BEFORE YOU PLAY: Stack the Countries provides 193 country flash cards and colorful interactive maps of the continents. Use them to brush up on your world geography before you play or as a handy reference tool.


HAVE FUN LEARNING ALL ABOUT THE COUNTRIES OF THE WORLD:
- Capitals
- Landmarks
- Major Cities
- Continents
- Border Countries
- Languages
- Flags
- Country Shapes

FEATURES:
- More than 1000 unique questions
- 193 flash cards -- one for each country!
- Interactive maps of the continents
- Collect all 193 countries and track your progress on personalized maps
- Earn FREE bonus games: Map It! and Pile Up!
- Play in English, Spanish and French
- Create up to six player profiles
- Choose any of the friendly-looking countries as your avatar
- High resolution pictures of famous world landmarks
- All games are powered by a realistic physics engine
- Fun sound effects and music

Totally Free Deals
Vacant house next door: any opportunity?
Added on : Friday February 07th 2014 06:00:15 AM
g: 0 Posted By: bluegreenturtle
Views: 197 Replies: 5 We bought our house 10 years ago and had a very nice and cool neighbor next door who had lived there for decades and fixed his house up nicely, but about a year after we moved in, he decided to sell and move elsewhere. The house sold for $275,000 to a couple from CA. About 3 years ago they got into a disagreement and walked away from the house - one to another state and the other disappearing. I talked to one of them and she said that indeed they were walking away and leaving any equity they had. The house has been vacant ever since. About a year ago, finally somebody from the bank showed up and drilled out the locks and about once a month in the summer somebody mows the lawn and trims a little. I talked to the lock guy and he said that the mortgage was at least 3 years in arrears and so it was well past the point of forclosure. But there's been nothing - it's just vacant, and in fact the front door has no latch or locks on it. I went over there the other day and it's wide open - leaves in the living room from the door being open, bathrooms have been winterized but otherwise it's just empty. Absolutely no activity from anybody, the bank, whatever, since the locks got taken out - but the house is still in good shape. Market value is probably about $350,000, but they seem to have forgotten about this house. Is there anyway to buy it super cheap? There's no contact info anywhere. FOr the most part all of us neighbors have treated it respectfully - no squatters, nobody stealing stuff, the crazy car guy with 30 cars in his yard parked one in front of the house which is probably a good thing. Electricity is still on, which boggles the mind.

Don't expect there's anything I can do but thought I would type all this out because I think about it sometimes.

Real Estate Deals
Free kids learning app for android - Stack the Countries (was $1.99)
Added on : Friday February 07th 2014 05:00:22 AM
g: 0 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/gp/product/B00G4A6VZS

4.6 out of 5 stars (87 customer reviews)

- Featured on the TODAY show!
- Editor's Choice Award! - Children's Technology Review
- "Stack the Countries is worth every penny and this is an educational purchase that you absolutely will not regret." - The iPhone Mom

Stack the Countries makes learning about the world fun! Watch the countries actually come to life in this colorful and dynamic game!

As you learn country capitals, landmarks, geographic locations and more, you can actually touch, move and drop the animated countries anywhere on the screen. Carefully build a stack of countries that reaches the checkered line to win each level.

You earn a random country for every successfully completed level. All of your countries appear on your own personalized maps of the continents. Try to collect all 193! As you earn more countries, you begin to unlock the free bonus games: Map It! and Pile Up! Three games in one!

CONTROL YOUR OWN EXPERIENCE: You can choose to focus on just one specific continent or play the whole world. You can also select which types of questions are asked.

LEARN BEFORE YOU PLAY: Stack the Countries provides 193 country flash cards and colorful interactive maps of the continents. Use them to brush up on your world geography before you play or as a handy reference tool.


HAVE FUN LEARNING ALL ABOUT THE COUNTRIES OF THE WORLD:
- Capitals
- Landmarks
- Major Cities
- Continents
- Border Countries
- Languages
- Flags
- Country Shapes

FEATURES:
- More than 1000 unique questions
- 193 flash cards -- one for each country!
- Interactive maps of the continents
- Collect all 193 countries and track your progress on personalized maps
- Earn FREE bonus games: Map It! and Pile Up!
- Play in English, Spanish and French
- Create up to six player profiles
- Choose any of the friendly-looking countries as your avatar
- High resolution pictures of famous world landmarks
- All games are powered by a realistic physics engine
- Fun sound effects and music

Totally Free Deals
g: 0 Posted By: latashiaholley
Views: 23 Replies: 0 Here is my situation...I make $75K per year. I have $38K in the bank and an equal $38K in student loans. I don't have any other debt, a minimal car payment and cell phone bill. Trying to consider how much to spend on a place as I am looking for a new apartment, too. I am currently contributing the max my employer will match in the 401k (they match 37% on the max 8% that I contribute). I hate having all this money sitting in the bank making absolutely NOTHING! Should I pay off student loans, invest, or are there other options I should consider? I am completely clueless on finances.

Additional Details:
I should probably have mentioned that my student loans are 6-7%. I am leasing my car so there is no loan/interest there.
Personal Finance Deals
PhotoKey 6 Lite & HitFilm 2 Express Free unti 2/4
Added on : Monday February 03rd 2014 05:00:04 AM
g: 0 Posted By: texaopian
Views: 55 Replies: 0 FXHOME is giving away free licenses to two products:

PhotoKey 6 LitePhotoKey 6 Lite is part of FXHOMEs award-winning family of software which delivers world-leading greenscreen technology for photographers. Snap your subject in front of a green screen and PhotoKey 6 Lite will take care of the rest, automatically replacing the background with a new image of your choice.This advanced technology can be used professionally for creative portraiture or just for fun. Want to put yourself or your friends on a beach, in the jungle or next to the Eiffel Tower? PhotoKey 6 Lite can do all that and more. Transform your images into postcards, posters, printed pictures or even your next Facebook cover photo.Try out your own virtual studio now and take advantage of simple greenscreen removal by downloading PhotoKey 6 Lite software absolutely free here.
HitFilm 2 Express
FXHOME is giving away a fully functional, free version of HitFilm 2, its hybrid video editor and visual effects software. The free download is only available until February 4th, so click here sooner rather than later if you want to make your own blockbuster movies.

To download, it will tell you to share on facebook...
However,,
Just close the "facebook share" popup window, fill in the form.

Inheritence Fairness Question
Added on : Friday January 31st 2014 05:00:11 PM
g: 0 Posted By: investingstuff1971
Views: 5 Replies: 0 I have a philosophical question that I'd like some feedback on. I am an only child and 15 years ago (when I was in my late 20s) my mother married a man with two sons, both of whom were between 5 and 10 years older than me. A couple of years ago they created a will and I recently found out that essentially the terms are that everything is split in thirds with each of his sons and me each receiving an equal share. This struck me as unfair especially considering that prior to her retirement last year, my mother was the principle bread earner. It seems much more equitable to me that I should get half and that his two sons should split the other half. I'm wondering what other people think. I should add that this is strictly an academic question. We are not talking about a great deal of money; in fact, if their resources prove sufficient to provide for the remainder of their retirement and any necessary health care, I will consider that an absolute blessing. I would never even consider petitioning them to change the terms but I am surprised that my mother who is a smart, fair person could have such a different sense of what's equitable than I do. Who do people think are right or is this really just a grey area?
Personal Finance Deals
DRM-Free Time Machine Sale @ GOG. com
Added on : Wednesday January 29th 2014 07:00:03 AM
g: 1 Posted By: slervik
Views: 255 Replies: 0 GOG.com is having their DRM-Free Time Machine Sale. LINK Below I have quoted the description of the sale

"Fasten your seatbelts and prepare for a fascinating ride to the early days of PC gaming and back again, with 30 excellent titles selected from the years 1983-2013, available up to 90% off (that is for as little as $0.59!). You'll find amazing games in amazing prices featured one by one on GOG.com main page, and before the sale is done you'll be able to complete your very own display of gaming history on a budget below $65 (because this would be the cost to get every single game in the sale). Are you ready?

There's more than just buying games incredibly cheap to our DRM-Free Time Machine Sale! We're ready to pass its steering wheel (or rather the control console) to YOU. Each game in the sale is offered for a limited time only, and how long we stay in its year is up to you! Each time you see a new game on sale you can vote to either add or subtract 1 second from the timer. Each time you buy a game, you add 3 seconds to the time of it being on sale. We begin with 1983's Zork, bundled with the rest of the Zork Anthology of 6 games in total, for only $1.79. How long will it last on the front page? You'll be the judge. What comes next, as the game of 1984? Let's find out!

Let's take a trip in GOG.com's DRM-Free Time Machine Sale! 30 great games from 1983-2013 will be available up to 90% off, and you get to decide how long each game is on sale. Ready? The technomagical gateway to 1983 opens NOW!

* "Again?", you might ask, "when did they ever do the time warp?". Well, once you embark on a journey through time, all becomes relevant and there's absolutely no guarantee that what you are doing, you are doing for the first time. In fact, that's highly improbable. After all, time isn't linear. It's more like a giant wobbly-bobbly goggy-boggy ball of gaming awesome! "

I'll try to keep the thread updated for you guys, so you'll have a chance to see all of the games..

1983: Zork Anthology
1984: Ultima 1+2+3
1985: King's Quest 1+2+3
1986: Might and Magic 6-pack: Limited Edition
1987: Space Quest 1+2+3
1988: Police Quest 1+2+3+4
1989: SimCity 2000 Special Edition
1990: Wizardy 6+7
1991: Wing Commander 1+2
1992: Star Control 1+2
1993: Cannon Fodder
1994: Jagged Alliance
1995: Crusader: No Remorse
1996: Tomb Raider 1+2+3
1997: Carmageddon Max Pack
1998: Rayman Forever
1999: Legacy of Kain: Soul Reaver
2000: ?
2001: ?
2002: ?
2003: ?
2004: ?
2005: ?
2006: ?
2007: ?
2008: ?
2009: ?
2010: ?
2011: ?
2012: ?
2013: ?

Video Games Deals
Far Cry 3 (PC Digital Download) - $5.60 AC @ Gamefly
Added on : Tuesday January 28th 2014 11:00:04 AM
g: 0 Posted By: heyyl0w
Views: 167 Replies: 0 GameFly has a Far Cry 3 (PC Digital Download)for $5.60 after coupon code "GFDJAN25" is applied at checkout. Rated M.

I've played this game on Xbox 360 recently and absolutely love it. It's immersive and has a great mix of FPS, sandbox and driving. Received an 88 at Metacritic.
Video Games Deals

GameFly Coupons
Request-CC for best deal from CHI to LIH- UPDATED 1/27
Added on : Monday January 27th 2014 08:00:12 AM
g: 0 Posted By: destarr
Views: 2365 Replies: 14 My wife and I are hopefully headed to Hawaii this summer to celebrate our 10th anniversary. Her parents have been nice enough to trade in their time share, so that we could afford to go. While we are waiting to hear back on which date/location we will be getting, I wondered if there were any credit cards that we could apply for that would give us a significant amount or all of the miles to Hawaii? We are technically based out of bloomington, Il. but I assume that I could get a better flight deal out of CHI. We spend on average about 2000 a month on our credit cards. We have about 4-5 months till we absolutely must be buying tickets.

Typically we just take the regular rewards on our chase freedom card(s), as neither of us really travel. I defer to all of your expertise to assist me in making my way through what looks like murky water to me.

Thanks for the assistance.
Requests Deals
g: 0 Posted By: DaysFan
Views: 194 Replies: 2 http://www.omahasteaks.com/gifs/large/hg019a.jpg

$39.99 + $15.99 shipping $55.98
Shipping & Handling: $15.99
The Family Value Combo + 4 Free Burgers 48829WNF
2 (5 oz.) Filet Mignons
2 (5 oz.) Top Sirloins
4 Boneless Chicken Breasts (1 lb. pkg.)
8 (4 oz.) Omaha Steaks Burgers
4 (3 oz.) Gourmet Jumbo Franks
4 (5.75 oz.) Stuffed Baked Potatoes

Please the whole family with The Family Value Combo. This assortment features all your family favorites including our world-famous Filet Mignons, beefy Top Sirloins, versatile Chicken Breasts, juicy Omaha Steaks Burgers and deli-style Gourmet Franks! We've also included our popular Stuffed Baked Potatoes as the perfect complement to your main course.
Reg. $154.00 | Save $114.01 | Now Only $39.99


use this link to get the free gift

http://www.omahasteaks.com/wnf

FREE GIFT of your choice at checkout...

You'll receive a gift absolutely FREE to every shipping address in your order! Simply select your free gift as you checkout. This offer is only available for a limited time... order today and get your free gift!
You may choose ONE of any of the following items for each address with a qualifying purchase.

6-Piece Cutlery Set and Cutting Board

This heavy-duty Cutlery Set includes an 8 inch Chef's Knife, an 8 inch Carving Knife, Boning Knife, Utility Knife, Paring Knife and Sharpening Steel. Plus, you'll also get a convenient cutting board that's dishwasher safe.
Food Deals

Omaha Steaks Coupons
As a landlord, what should I do after filing Eviction in TX?
Added on : Friday January 24th 2014 07:00:08 AM
g: 0 Posted By: newbielandlord
Views: 57 Replies: 1 This is my first post. Please be easy on me.

Purchased a rental property in November 2013 and leased it for 10 months term.
Received one month security deposit and one month rent when tenant moved in.
Tenant has to pay rent on December 1st but paid in installments up to 80% of monthly rent so far.
Now it is January and tenant only postponing the rent whenever I asked. Nothing paid towards rent of January.
Gave notice to vacate in the middle of the month and after a week I filed eviction suit (In Texas, we have to wait for filing eviction 3 days after giving the notice to vacate).
Court trial is scheduled in middle of Feb (which is three weeks from now)

This is my first rental property and the tenant stopped paying from the first month itself. Now, the followingare the mistakes I did.
1) Tenant confirmed that he has some credit issuesin lease application, I never ran credit check or eviction record check.
2) I believe tenant can pay my rent (now, I feel so stupid for that assumption) and I let him in with security deposit of just one month's rent.
3) Waited to so long to file eviction suit.

I communicated tenant that I am filing eviction and offered to work with him to avoid that by offering him multiple options such as accepting rent in installments, even reducing rent etc. I also offered him that if he vacate immediately I can release him for lease (in other words, he is not responsible for rest of the lease term). Basically I asked him to either pay rent or to vacate thinking that this is 'WIN-WIN' for both of us under the current scenario.

Tenant can get away from early termination and I can get my house back and can put that back in market to avoid further losing money.

Tenant is rather interested in staying in this house as long as "legally" possible even though it means he and his wife will get eviction record on their public records. Now we are in 'Loose-Loose' situation.

Tenant will get eviction record in their record and I lose money until they vacate (I am not sure if I can collect the rent overdue from them after they vacate since it is proven that they do not care their credit rating as of now)

Since I filed eviction, now I do have lot of questions concerning me.

1) I have not used attorney for filing this eviction. Do I absolutely need one or am I OK filing this on my own?
2) Is there anything I should do now before trial?

I know I have to be careful before leasing itself but we can't change the past so at least trying to be careful in terms of my future actions.

Gurus, Please let me know your thoughtsand do not hesitate to ask me questions if you need any additional questions around this. Thanks you for your time...
Personal Finance Deals
CURealty - Earn cash back on real estate purchase/sale transactions
Added on : Friday January 17th 2014 04:00:11 PM
g: 0 Posted By: mistadeal
Views: 85 Replies: 0 Text

Whether you are buying or selling a home, you can earn a cash rebate back in the amount of 20% of your real estate agent's commission when you start your real estate search with a participating credit union. It is pretty simple actually - here's how I did it:

1. Visited my local credit union when looking for a mortgage to purchase a home. They told me about this program, which they participate in, and they referred me to a participating agent.
2. My agent filled out a form or two for me to sign, and he sent it in to CU Realty for processing at closing.
3. Purchased a home, waited 60 days, and received a rebate check for 0.6% of the purchase price (20% of my agent's 3% commission).
4. Sold my home, waited 60 days, received another rebate check for 0.6% of the sale price.

Overall I received a cash rebate of about $2,500.

Notes:
-To find participating realtors in the area, you can fill out the enroll form on the site or chat with a live representative during regular business hours.
- This is obviously YMMV based on participation - From the site text, it seems like you might not even need to belong a credit union and can possibly directly be linked to the participating realtors. But since it is CU realty, I feel like you might need to link to a participating CU to be considered, at least initially.
- Iended up actually using PenFed CU for my loan since my local CU could not match their 5/5 ARM terms. PenFed does not participate in this program, but since I started my real estate search with a CURealty participating credit union and considered their mortgage products before choosing PenFed, the rebate was still allowed.
- The CU had a list of participating realtors, I just happened to choose the first one referred to me because he came highly recommended. You can probably be more selective and interview some before you decide on a particular one. I learned to appreciate my realtor during the process because I came across some really flaky ones while looking at open houses.
- I'm not sure about tax implications, I will post a reply once I hear back from them about whether this rebate is taxable income.

Site text:
Our Realtors = Rebate.CU Realty has partnered with some of the top real estate professionals in your area to provide members with an outstanding opportunity to work with a trusted Realtor and earn a substantial rebate all at the same time.

How does it work?Its really quite simple. When you use any agent in our network to buy or sell your home, youll earn a cash rebate equal to 20% of the agents commission. That money is yoursapply it towards closing costs, agent commissions or take the cash outright! Its your choice.*

How much can you save?Use the chart to the right to estimate your savings. The rebate is based on the total home price, not the amount mortgaged.
HomeAdvantageis an exclusive service provided by your Credit Union in partnership with CU Realty Services, the nations leading provider of real estate services for credit union members. Best of all, the program isabsolutely free!To take advantage, simplyenrolltoday. Once youve enrolled, youll have access to all the tools and expertise youll need.
Sample Average CU Realty Home Rebates Home Sale Price Rebate to Member* $200,000 $1,200 $400,000 $2,400 $600,000 $3,600 $800,000 $4,800
*Rebates are awarded to buyers and sellers registered in the CU Realty program before they begin their home search or sale and who use a REALTOR from the Approved Agent network. Examples of rebate amounts shown here are based on 3% commission rate; your agents commission rate may differ. Terms of receiving the rebate vary by state and credit union. Please check with your credit union for specifics on their program.
Real Estate Deals
g: 0 Posted By: heyyl0w
Views: 207 Replies: 0 Blingdaily has the EcoTools Limited Edition Beautiful Expressions Kabuki 4-pc Makeup Brush Setfor $8.99 with free shipping.

These sell for $14 online. They are $8.67 at Amazon right now, as an add-on item - so even though it's "cheaper", it only is if you want to spend $25. I personally have EcoTools and absolutely love them. They're soft and durable. Washing them doesn't ruin them as long as you store them handle up to avoid wearing out the glue. Review: Amazon.

Includes 4 size brush heads
Sleek, recycled aluminum handles
Conceal, bronze, contour, and buff
Eye-catching artist-designed aluminum handles
Cruelty free brittles
Recyclable packaging

Makeup Deals
Get 25% off absolutely everything on-line @ Lucky Brand
Added on : Tuesday January 14th 2014 04:00:04 AM
g: 0 Posted By: ctgolfer
Views: 97 Replies: 0 get 25% off everything on-line - no code needed

free shipping

www.luckybrand.com
Clothing Deals

Lucky Brand Coupons
Request-CC for best deal from CHI to LIH
Added on : Monday January 13th 2014 04:00:09 PM
g: 0 Posted By: destarr
Views: 45 Replies: 0 My wife and I are hopefully headed to Hawaii this summer to celebrate our 10th anniversary. Her parents have been nice enough to trade in their time share, so that we could afford to go. While we are waiting to hear back on which date/location we will be getting, I wondered if there were any credit cards that we could apply for that would give us a significant amount or all of the miles to Hawaii? We are technically based out of bloomington, Il. but I assume that I could get a better flight deal out of CHI. We spend on average about 2000 a month on our credit cards. We have about 4-5 months till we absolutely must be buying tickets.

Typically we just take the regular rewards on our chase freedom card(s), as neither of us really travel. I defer to all of your expertise to assist me in making my way through what looks like murky water to me.

Thanks for the assistance.
Requests Deals
Free encryption app for Chrome - ZenMate
Added on : Monday January 13th 2014 04:00:08 AM
g: 1 Posted By: remick
Views: 183 Replies: 0 https://chrome.google.com/webstore/detail/zenmate-for-google-chrome/fdcgdnkidjaadafnichfpabhfomcebme?

Secure browsing made simple: Encrypts your browser traffic. Wifi & Hacker security. Unblock geo restrictions. Protect your privacy.
ZenMate is your ultimate privacy & freedom companion!

4.54 stars with 828 reviews

ZenMate is your ultimate privacy & freedom companion!

Heres what youll get through the ZenMate VPN proxy service:

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We encrypt all your browser traffic

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YOU choose where any website thinks you are.


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Our service gives you the advantages of a sophisticated VPN, but with the simplicity of a 1-click install. We do all the hard work to strongly protect your privacy and mask your location as needed!

~~ Absolute Freedom ~~
Some users find it helpful to change their location using ZenMate to access Facebook, Twitter, Pandora, Hulu, Netflix, YouTube, Gmail, Wikipedia and many other websites that are not available in certain areas. We deliver you the freedom you deserve!

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Simple, or at times slow, alternative services like Hide My Ass, Stealthy, Hotspot Shield, StrongVPN, Unblock Us, Spotflux, TunnelBear and Hola Unblocker provide only a way to unblock access (change IP / gain a US IP).

ZenMate does all that + keeps your privacy a top priority by also encrypting your entire traffic in the browser. This way, if your government, workplace, school (or the NSA/PRISM & their friends) gets curious about your reading & surfing habits, we keep them away! Furthermore, ZenMate never slows you down but instead has build-in acceleration to give you an even more pleasant browsing experience.

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As a German company, we are bound to strict data privacy laws and do not track any IP's or connection data. Find out more on our privacy policy here: https://zenmate.io/privacy-policy



Totally Free Deals
Confused - do I need a will and/or estate planning?
Added on : Saturday January 11th 2014 04:00:05 PM
g: 0 Posted By: guraaf
Views: 30 Replies: 1 Hi all,

I am a US permanent resident (green card holder) who moved to the US about 9 years back. I have two kids less than 10 years of age. I am trying to understand whether we need estate planning and/or a will. Right now, I manage all the finances, taxes etc. myself but recently discussed with two certified planners and the said that I absolutely need a will and should get an estate made.

The idea is that if my wife or I were to die then our assets will either go to the state or our kids will have a huge problem and a tax burden. Is that really the case here? I can't seem to tell for sure. We have:
- bank checking accounts
- brokerage accounts
- house that is paid off (no mortgage)
- no other loans
- 401k accounts for both
- Roth IRA for both

All my accounts are joint owner with rights of survivorship and my two sons are 50% each beneficiaries. So why do I need a will if I don't want to give money to relatives or charity? I live in Texas, BTW. The two cases that I am interested are: a) my wife or I die, b) my wife and I both die. Wouldn't the money be simply available to the surviving spouse or the kids as the beneficiaries? Will there be a tax impact? Why? The savings are already taxed.

Thanks for any help and insight.
Guraaf
Personal Finance Deals
Free Book- Are We Good Enough for Liberty?
Added on : Thursday January 09th 2014 03:00:13 PM
g: 0 Posted By: remick
Views: 155 Replies: 0 http://www.fee.org/publications/page/are-we-good-enough-for-libe...

FEE has yet another new product to offer, absolutely free, as part of the Blinking Lights Project. FEE president Lawrence Reed's new book Are We Good Enough for Liberty? is now available for order in quantities of 1, 5, 10, 15, or 20 for absolutely free. We only ask that you read it and share it with your friends, neighbors, family members, and fellow students. We want to give this book as wide a distribution as possible and you can help us with that task.

Reed's book establishes the indispensable connection between liberty and character and explains why, throughout history, "no people who lost their character kept their liberty." It is a book of stories and lessons from the past and from across the world. It instructs as well, noting that "If you do not govern yourself, you will be governed." These are lessons which FEE places in all of its educational programs: in the Freeman, the summer seminars, our online resources, and now distilled down to one book for you to take.


Books & Magazines Deals
g: 2 Posted By: BigBoyMichigan
Views: 310 Replies: 2 Wendys Restaurants has a key-tag promotion. When you purchase a Key-Tag for $1.00, You show the Cashier you key-tag every time you place an order whether drive-thru or in store just show your "2014" Wendy's Frosty Key-Tag and you'll receive absolutely FREE a 2 oz Baby Frosty until 12/31/2014 (Any Flavor). Proceeds benefits the Dave Thomas Foundation For Adoptions.


Restaurants & Entertainment Deals
g: 1 Posted By: remick
Views: 248 Replies: 0 What Are You Afraid Of?: Facing Down Your Fears with Faith
http://www.amazon.com/What-Are-You-Afraid-Facing-ebook/dp/B00CH7L73I

4.7 out of 5 stars (42 customer reviews)

What Are You Afraid Of?
What is it that immobilizes you? What is stealing your joy and destroying your hope? What is robbing you of sleep night after night? What keeps you from living by faith and taking risks? What keeps you from giving your life wholly to a loving God who wants nothing but the best for you?
Regardless of your answer to these questions, one thing is absolutely certain: God is the answer to all your fears.


Through the Psalms with Derek Prince
http://www.amazon.com/Through-Psalms-Derek-Prince-ebook/dp/B002QMLEPU

4.9 out of 5 stars (9 customer reviews)

No literature in the world excels the psalms of David in their ability to provoke the human soul to meditate on the deepest and most abiding truths of God.
In this daily devotional, Derek Prince unfolds the multifaceted Psalms, which are at once deeply emotional and thoroughly practical. These eternal songs are a springboard to authentic worship and a glimpse into the heart of David's Father-and yours! Prince illuminates the Psalms through 101 engaging meditations, each based on a specific passage and theme and concluding with a one-sentence faith response for focus and application.



There Is More!: The Secret to Experiencing God's Power to Change Your Life
http://www.amazon.com/There-More-Secret-Experiencing-Change-ebook/dp/B00AHY0RNY

4.5 out of 5 stars (53 customer reviews)

God is not a God of carefully measured handouts. He longs to give you more--as much as you're willing to receive.
Books Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 119 Replies: 1 $79.99
http://www.target.com/p/proscan-8-dual-core-google-certified-tablet-black-plt8235g/-/A-14537559#prodSlot=medium_1_13

TEMP PRICE CUT
Reg: Regular price $149.99- Save $70.00 (47%)

Proscan 8 Dual Core Google Certified Tablet - Black (PLT8235G)special offers and deals.Save $20 with bundle purchase. To see create-your-own-bundle savings search online item# VBTABT3974. Online only offer., offer details.other offers.other Info.

Online Item #: 14537559
Store Item Number (DPCI): 241-27-7262
Item can be gift wrapped.
Imported

This powerful 8-Inch Dual Core Tablet with multi touch Capacitive touch screen will connect you to the world. Enjoy movies, pictures, music, games, and thousands of APPS with this 8-Inch Capacitive touch screen tablet. The tablet features the latest in Google powered Android operating system. Pros cans latest Android tablet includes a camera allowing you to snap images, watch videos and video conference. The sharp 1024 x 600 8" screen makes the Proscan perfect for reading your favorite novel in absolute comfort. Gaming, web browsing and video are fast and smooth thanks to the 1.5 GHz dual-core CPU. Giving you great performance, allowing you to enjoy faster, smoother web browsing, addictive mobile gaming, and multimedia playback anywhere.With 8 GB of built in memory plus an expandable slot to 32 GB via microSD you will be able to store and play all your digital media. Built in Wi-Fi (802.11 B/G/N) will connect this internet tablet to any Wi-Fi network and connect you to the world. All your favorite sites, Facebook, Twitter, Gmail, YouTube, Pandora etc. are just 1 click away! With the Google play App store you can download thousands of applications for social media, work and play. If you are looking for a high powered, functional internet tablet, look no further, this is sure to please you.

Maximum Resolution: 1024 x 600
Aspect Ratio: 16:9 Aspect Ratio
Display Features: Touch Screen, LCD Display, Color TFT-LCD Screen
Computer Features: Built-in Speaker, Touch Screen
Processor Brand: Rockchip
Processor Speed: Up to 1.5 Ghz
Cache Memory Installed Capacity: 4MB L2 Cache
System Bus Speed: Up to 1.6 Ghz
System RAM: 1 GB
Memory RAM Type: DDR3
Total RAM Slots Free: 1 Free/2 Total
Data Storage Capacity: 8GB Hard Drive Capacity
Wired Technology: 10/100 Ethernet LAN
Wired Connectivity: Mini HDMI
Wireless Technology: Wi-Fi Enabled
Wireless Standard: IEEE 802.11b/g/n
Built-In Card Reader Type: MicroSD Card Reader
Input Type: SD Card Slot, Headphone Jack, USB
Output Type: Mini HDMI, Headphone Jack
Audio Features: Built-In Speaker
Number of Audio Outputs: 1 Side
Card Slots Supported: MicroSD
Built-In Webcam Features: Built-In Webcam, Built-In 0.3 Megapixel Webcam
Battery Charge Life: Up to 8 Hours
Operating System: Android 4.1
Includes: Battery, Power Adapter, USB Cable, AC Power Adapter, Owner's Manual, Quick Start Guide
Battery Required, included: 1 lithium ion non-universal
Assembly Details: no assembly required

Screen Size :8.000

AC Voltage Compatibility :100 - 240
Product Width :7.870
Warranty Description :90 Day Limited Manufacturer Warranty
Assembly details :no assembly required
Card Slots Supported :MicroSD
RAM Slots Total/Free :1 Free/2 Total
Cache Memory Installed Capacity :4MB L2 Cache
Features Computer :Touch Screen, Built-In Speaker
Processor Speed :1.500
Aspect Ratio :16:9 Aspect Ratio
Output Type :Mini HDMI, Headphone Jack
Features Electronic Display :Color TFT-LCD Screen, Touch Screen, LCD Display
Number of Audio Outputs :1 Side
Hard Drive Capacity :8GB Hard Drive Capacity
Features: Webcam :Built-In 0.3 Megapixel Webcam, Built-In Webcam
Accessories Included: Electronics Product :USB Cable, Quick Start Guide, Owner's Manual, Power Adapter, Battery, AC Power Adapter
Number of USB 2.0 Ports :1
Graphics Memory Capacity :1 GB Shared
System Bus Speed :1.6 GHz
Battery Charge Life :Up to 8 Hours
Wired Standard :10/100 Ethernet LAN
Wired Connectivity :Mini HDMI
Built-In Card Reader Type :MicroSD Card Reader
System RAM :1
Visual Playback File Format :AAC, WMA, WAV, MP3, MOV, AVI
Maximum Resolution :1024 x 600
Input Type :SD Card Slot, USB, Headphone Jack
RAM Type DR3
Product Depth :6.060
Wireless Standard :IEEE 802.11b/g/n
Product Height :0.450
Wireless Technology :Wi-Fi Enabled
Product Weight :0.450
Hard Drive Interface :Solid State Drive Flash Module
Features: Audio Product :Built-In Speaker
RAM Configuration :1x1GB
Operating System :Android 4.1

Duluth Trading Co., Long Tail T-shirts $11.99-$18.00
Added on : Wednesday January 01st 2014 03:00:04 AM
g: 0 Posted By: tntstitching
Views: 118 Replies: 1 Duluth Trading Company's Long Tail T-Shirts, Normally $19.50, on sale for $11.99-$18.00. The $11.99 ones are limited sizes and colors. Absolutely durable and still soft. They have survived my plumber husband who destroys everything that he wears.

http://www.duluthtrading.com/store/mens/workwear/longtail-t-shirts/longer-shirts.aspx?src=T14C001C0&ym_mid=1513591&ym_rid=2236405&mboxSession=T14C001-9992236405


Clothing Deals
Free Multi-Use Towel Sample - Business Only
Added on : Tuesday December 31st 2013 01:00:14 PM
g: 1 Posted By: remick
Views: 249 Replies: 1 http://offers.intrinsics.net/multi-use-towel-sample-request

In the spirit of giving, we wanted to share one of our favorite products with you. These salon and spa disposable towels can be used in a variety of different wayshence the name!
Created from non-woven fibers, they can be utilized in professional spas and salons as table towels, face cradle covers, hair blotters, pedicure towelsand the list goes on and on.
These towels are the absolute best for manicure services; being 100% lint-free and extremely absorbent, they are perfect for gels.
Home, Auto & Pets Deals
eHarmony Free "Talk to your Match" through 1/1/14
Added on : Saturday December 28th 2013 12:00:06 PM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.eharmony.com/

communicate with your matches for FREE
Absolutely no cost or obligation
No credit card needed.
Anker iPad Mini case + 2 pack screen protector: 3.49 + FSSS / Prime
Added on : Saturday December 28th 2013 09:00:02 AM
g: 0 Posted By: bittul
Views: 98 Replies: 0 credit to (and copied from) chprasanna @ SD.

Amazon has Anker Color Palette Series Ultra Slim Synthetic leather Case for 6.99 in Black and Pink.

Anker is also offering Xtreme Scratch Defender Ultra-Clear High-Response Premium Screen Protector free with coupon code 77PDMIN2 at check out.

But when you add both to cart, you get free screen protectors and also 50% off the case which is 3.49 at check out. Both ship free with Prime.

Absolutely the best deal on IPAD cases and screen protectors till date.
Tablet Accessories Deals

Amazon Coupons
g: 0 Posted By: bru20
Views: 291 Replies: 0 Scroll down to the lower part of the page to see offer.

Link

Download the free NOOK Reading App and get four books from bestselling series and two popular magazines absolutely FREE. Offer ends 1/1/14

Popular Mechanics
Food Magazine
The Last Apprentice -Revenge of the Witch
Milk And Honey (Faye Kellerman)
This Will Make You Smarter
All He Ever Needed (Shanon Stacey)

(Valid only for new NOOK accounts)

credit to tektek at SD
Books Deals
Rental damages of $25k, tenant sues for security deposit
Added on : Monday December 23rd 2013 09:00:18 AM
g: 1 Posted By: peas
Views: 126 Replies: 0 So this a-hole Rohrabacher (R-CA) rents a house for a couple years, totally trashes the place to the tune of $25k in damages, then has the gall to sue the landlord for the security deposit.
http://talkingpointsmemo.com/muckraker/rep-rohrabacher-left-cali...

http://www.ocweekly.com/2013-12-19/news/moxley-confidential-dana...

The photos show how absolutely disgusting he left the place. How does the LL stick it to the congressman? Maybe some of you lawyer types can help the poor sap, a marine vet, recover his money.
General Economics Deals
Stubhub.com 5% Rewards starts today, 12/21/13 thru 12/25/13
Added on : Saturday December 21st 2013 01:00:05 AM
g: 0 Posted By: DaysFan
Views: 195 Replies: 0 http://www.stubhub.com/
http://www.stubhub.com/promotions/scratch/common/gc_fr.jpg


The 5% rewards promotion period starts on December 20, 2013 12:00 AM PST and ends on December 25, 2013 11:59 PM PST
Must be enrolled in StubHub Fan Rewards prior to purchase.
Offer applies only to gift certificates purchased on stubhub.com to receive the 5% in rewards. Other event purchases will earn rewards at the standard rate for your level of membership.
Offer only applies to gift certificates purchased in the same order and cannot be combined with other offers, discounts, promotions or gift certificates.
Offer does not apply to previous gift certificate purchases.
Offer is non-transferable, void where prohibited, not redeemable for cash and has no face value.


Except as set out above, all other terms and conditions of the StubHub Fan Rewards program apply to this promotion. Promotion is subject to change without notice.
These are the StubHub Fan Rewards Program Terms & Conditions ("Program Terms"). These Program Terms are effective on September 16, 2013, or upon acceptance for all eligible StubHub users who have successfully registered for the Program.StubHub Fan Rewards Program Terms & ConditionsThe StubHub Fan Rewards Program ("Program") is designed to reward StubHub users for purchasing tickets on www.stubhub.com. Eligible Participants will receive Rewards based on a percentage of their Eligible Purchase or through other promotional offers and have an opportunity to redeem Rewards in accordance with the following Terms and Conditions:

Eligible Participants. An "Eligible Participant" means a StubHub user who meets, and continues to meet during participation in the Program, the following criteria:

1.1 Is a registered member of www.stubhub.com with a StubHub account in good standing (no hold or suspension) and is a legal U.S. or Canadian (excluding Quebec) resident who has reached the age of majority or older in their jurisdiction of residence, with a U.S. or Canadian (excluding Quebec) registration address tied to his/her StubHub account;
1.2 Accepts these Program Terms;
1.3 Receives confirmation of registration in the Program from StubHub;
1.4 Has not been previously terminated from participation in the Program by StubHub.

Earn Rewards Toward Rewards FanCodes. The Program allows Eligible Participants to earn Rewards on every Eligible Purchase they make on www.stubhub.com. These Rewards will then be converted into a Rewards FanCode when the Eligible Participant accrues $10 in Rewards.

2.1 Eligible Purchase. "Eligible Purchase" means a purchase made by an Eligible Participant that meets the following criteria:

2.1.1 The Eligible Participant purchased tickets, gift certificates, parking passes, hospitality, packages, and service and delivery fees after confirmation of Program registration on www.stubhub.com.
2.1.2 StubHub has verified delivery of the purchase via a courier, the ticket is available for download on PDF/email format, or Last Minute Services (LMS) has confirmed ticket pick-up (collectively, "Verified Delivery").
2.1.3 The amount of an Eligible Purchase does not include any gift certificate redemption, Customer Service credit, any FanCodes, whether issued as Rewards under this Program or through other StubHub channels, partial refunds, free items, purchases that fail to comply with applicable StubHub Terms and Conditions, past purchases, and non-shipped, undeliverable or returned items.
2.1.4 For canceled orders and refunds, StubHub will reduce an Eligible Participant's Rewards balance (even if the purchase was returned or refunded after the Eligible Participant already redeemed Rewards for such item) and this may result in a negative Rewards balance. StubHub reserves the right to place a hold or suspend an Eligible Participant's StubHub Fan Rewards account in the Program if the Negative Rewards Balance is not reversed within 6 months.

2.2 Rewards. "Rewards" means a U.S. dollar amount which may become redeemable in the form of a Rewards FanCode (see Section 2.3 below) attributed to the Eligible Participant's StubHub account. Rewards will be calculated as follows:

2.2.1 Once StubHub receives Verified Delivery of an Eligible Purchase, it will issue Rewards based on the Eligible Participant's membership status to the Eligible Participant within 72 hours. The Rewards earned will be displayed on the Eligible Participant's "Rewards Summary" within "My Account".

2.2.1.1 Star Status. "Star" is the status designated to an Eligible Participant who completes fewer than 10 purchases or spends less than $2,000 in a calendar year. Eligible Participants at this status will earn Rewards at the rate of 2% on the amount of their Eligible Purchases. When an Eligible Participant enrolls in the Rewards Program, they will automatically be set at Star status.
2.2.1.2 Superstar Status. "Superstar" is the status designated to an Eligible Participant who completes 10 or more purchases or spends $2,000 or more between January 1, 12:00 am PST, and December 31, 11:59 pm PST, of each calendar year. Eligible Participants at this status will earn Rewards at the rate of 3% on Eligible Purchases. Once an Eligible Participant achieves Superstar status, their Superstar benefits begin immediately upon qualification in the current calendar year through December 31, 11:59 pm PST, of the following calendar year. For example, if an Eligible Participant makes their 10th Eligible Purchase for the calendar year on August 1, 2011, their Superstar status will begin on August 1, 2011 and remain intact through December 31, 2012. Eligible participants with Superstar status may also receive additional benefits at StubHub's sole discretion.


2.3 Rewards FanCode. "Rewards FanCode" means an electronic certificate that is awarded to an Eligible Participant after the Eligible Participant earns $10 in Rewards.

2.3.1 StubHub will endeavor to issue an Eligible Participant a Rewards FanCode within 72 hours after an Eligible Participant has earned $10 in Rewards, but StubHub may take longer to issue a Rewards FanCode. StubHub reserves the right to withhold issuance of a Rewards FanCode if StubHub is investigating an Eligible Participant's compliance with these Program Terms or any other of its policies.
2.3.2 Any earned Rewards FanCode, including its expiration date, will be displayed in the StubHub Fan Rewards section of My Account and on the Rewards summary page. You will also see any unused, unexpired Rewards FanCode in the checkout flow when you make a purchase.


Rewards FanCode Redemption. An Eligible Participant may redeem any Rewards FanCodes issued by StubHub in accordance with the following requirements:

3.1 The Rewards FanCode is valid and redeemable by an Eligible Participant for six (6) months after StubHub issues the Rewards FanCode.
3.2 Rewards FanCodes may only be redeemed on www.stubhub.com.
3.3 An unused or partially used Rewards FanCode is forfeited when the Rewards FanCode expires.
3.4 Rewards FanCodes may be redeemed together, unless StubHub specifies otherwise.
3.5 To use a Rewards FanCode, the Eligible Participant must place an order before the expiration of the Rewards FanCode. During checkout, the Eligible Participant must select the checkbox for the Rewards FanCode they want to use.
3.6 The Rewards FanCode will be applied to the total purchase price and any unused amount remaining on a Rewards FanCode, if any, will continue to be available to the Eligible Participant until that Rewards FanCode expires.

Restrictions

4.1 Rewards Restrictions

4.1.1 Expiration of earned rewards. Rewards totaling less than $10 that have not been converted into Rewards FanCodes are forfeited if the Eligible Participant cancels their membership in the Program, the Eligible Participant's StubHub account is terminated or suspended, StubHub terminates the Program or the Eligible Participant's participation in the Program, or the Eligible Participant has not made an Eligible Purchase on www.stubhub.com within 12 months.
4.1.2 Earning limits per transaction. Subject to these Program Terms, there is no limit to the total Rewards an Eligible Participant may earn for each Eligible Purchase transaction or in a calendar year.
4.1.3 Rewards may only be earned on Eligible Purchases made on www.stubhub.com.
4.1.4 Rewards may only be earned on one StubHub account per Eligible Participant, regardless of the number of StubHub accounts used by such Eligible Participant.
4.1.5 Rewards will be tied to the StubHub account of the Eligible Participant and Rewards cannot be combined across any other StubHub accounts.
4.1.6 StubHub reserves the right to hold back or otherwise suspend Rewards after purchase in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards may not be earned or may be removed from the Eligible Participant's account during StubHub's investigation.
4.1.7 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards after posting.
4.1.8 If an order is canceled, the Rewards earned for that purchase will be deducted. If the order resulted in a Rewards FanCode, the Rewards FanCode will be voided if unused. If the Rewards FanCode has been used, the Rewards deducted may result in a negative Rewards balance.
4.1.9 If an Eligible Participant cancels their membership in the Program with a negative Rewards balance in their account and subsequently decides to rejoin the Program, the negative Rewards balance will remain.

4.2 Rewards FanCode Restrictions

4.2.1 Rewards FanCodes are not transferable, have no cash value and cannot be redeemed for cash. Rewards FanCodes will be cancelled and become null and void if sold, purchased or transferred, whether for value or not, except as expressly provided in these Program Terms.
4.2.2 Rewards FanCodes cannot be used retroactively for prior purchases.
4.2.3 Rewards FanCodes cannot be used to purchase gift certificates.
4.2.4 Rewards FanCodes can only be applied during online checkout, and cannot be applied retroactively by LMS or StubHub Customer Service.
4.2.5 StubHub reserves the right to hold back or otherwise suspend Rewards FanCodes in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards FanCodes may not be redeemed during StubHub's investigation.
4.2.6 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards FanCodes after posting.
4.2.7 Unredeemed Rewards FanCodes are not forfeited if the Eligible Participant cancels membership. However, these Rewards FanCodes may be forfeited if StubHub terminates the Eligible Participant's membership or terminates the Program.
4.2.8 If an Eligible Participant uses the Rewards FanCode towards the purchase of an item that is later refunded or credited, StubHub will credit back and reissue to the Eligible Participant the Rewards FanCode used on the refunded item with its original expiration date. If the FanCode's original expiration date has passed or is less than 30 days away from the date of reissuance, StubHub will issue the FanCode with a new expiration date of 30 days from the date of reissuance.


Other Terms and Conditions.

5.1 Modification and Termination.

5.1.1 StubHub reserves the right to modify or terminate this Program, in whole or in part, at any time by posting amended terms or a termination notice on the Eligible Participant's "Rewards Summary" section within "My Account", by sending an email notice to the email addresses tied to the Eligible Participant's StubHub accounts, or by any other means it deems sufficient ("Notice"). Except where stated otherwise by StubHub or as required by applicable law, all amended terms will be effective three (3) days after Notice. If any modification is unacceptable to you, your only recourse is to cancel membership of the Program by going to the StubHub Fan Rewards page, clicking "Cancel Membership" and then clicking "I'm sure" to confirm your cancellation. Without limiting the foregoing, StubHub may suspend an Eligible Participant's participation in the Program indefinitely to investigate potential violations of StubHub's policies without prior notice to the Eligible Participant. If StubHub in its sole discretion believes an Eligible Participant has or is using existing StubHub accounts or creating new accounts in order to circumvent or undermine these Program Terms, or is otherwise engaging in any activity not in keeping with the letter and/or spirit of the Program and these Program Terms, as interpreted by StubHub in its sole and absolute discretion, StubHub reserves the right to terminate the Eligible Participant's participation from the Program and their StubHub account.
5.1.2 To cancel membership in the Program, please go to the StubHub Fan Rewards Page under My Account and click the link "Cancel Membership". By cancelling, you forfeit all accumulated Rewards.

5.2 Other Restrictions. The Program is void where prohibited. All Rewards and Rewards FanCodes are subject to verification at any time. StubHub reserves the right, in its sole and absolute discretion, to invalidate any Rewards or Rewards FanCodes it deems to have been awarded in error, or as the result of any fraudulent activity, or any activity not in keeping with the letter and/or spirit of these Program Terms, as interpreted by StubHub in its sole and absolute discretion.
5.3 Combination with Other Programs. Rewards FanCodes may be redeemed with Gift Certificates, Discounts, Other Rewards FanCodes, and Customer Service credits as may be permitted by StubHub in its sole and absolute discretion. StubHub reserves the right to disallow the combination of certain Rewards FanCodes with any of the above listed or any other promotions it may offer from time to time.
5.4 Promotions. StubHub may in its sole and absolute discretion and from time to time, offer supplementary programs, rewards, benefits or promotions related to the Program. These Program Terms shall apply to such offers, along with any additional terms and conditions that accompany the offer, unless you are notified otherwise.
5.5 Limitation of Liability. TO THE EXTENT PERMITTED BY LAW, STUBHUB, INC. ("STUBHUB") STUBHUB SHALL NOT BE LIABLE FOR ANY CLAIMS, ACTIONS, INJURY, LOSS OR DAMAGE OF ANY KIND, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY OR DEATH, RESULTING FROM THE PROGRAM. THIS LIMITATION OF LIABILITY IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL DAMAGES OF ANY KIND, INCLUDING (WITHOUT LIMITATION) COMPENSATORY, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES; LOSS OF DATA, INCOME, OR PROFIT; LOSS OR DAMAGE TO PROPERTY; AND CLAIMS OF THIRD PARTIES. ELIGIBLE PARTICIPANTS OF THE PROGRAM AGREE THAT STUBHUB HAS NOT MADE NOR IS IN ANY MANNER RESPONSIBLE OR LIABLE FOR ANY WARRANTY, REPRESENTATION, OR GUARANTEE, STATUTORY, EXPRESS OR IMPLIED (INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, AND FITNESS FOR A PARTICULAR PURPOSE), IN FACT OR IN LAW, RELATIVE TO THE PROGRAM. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, STUBHUB DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES OR REPRESENTATIONS WITH RESPECT TO WWW.STUBHUB.COM OR THE PROGRAM, AND STUBHUB SHALL NOT BE LIABLE FOR THE CONSEQUENCES OF ANY INTERRUPTIONS OR ERRORS RELATED THERETO. THESE TERMS GIVE YOU SPECIFIC LEGAL RIGHTS. StubHub is not responsible for printing or typographical errors in any Program related materials; for stolen, lost, late, misdirected purchases; or for transactions and/or emails that are lost, misdirected, fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly or are lost for any reason including computer, telephone, paper transfer, human or other error; or for electronic, computer, or telephonic malfunction or error, including inability to access any web site associated with the Program, or process any transaction thereon. If in StubHub's opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Program, or if computer virus, bugs, unauthorized intervention, fraud, or technical difficulties or failures compromise or corrupt or affect the administration, integrity, security, fairness, or proper conduct of the Program, StubHub reserves the right at its sole discretion to disqualify any individual connected therewith, to modify or suspend the Program, or to terminate the Program. In all matters relating to the interpretation and application of any rule or phase of this Program, the decision of StubHub shall be final. StubHub reserves the right to cancel, amend or revoke the Program or any portion thereof at any time due to business considerations or circumstances beyond its control. Any attempt by an Eligible Participant or any other individual to deliberately damage any web site or undermine the legitimate operation of the Program is a violation of criminal and civil laws and should such an attempt be made, StubHub reserves the right to revoke any Rewards or Rewards FanCodes, and seek damages and other remedies from any such person to the fullest extent permitted by law. Any attempts by an individual to access any web site associated with the Program via a bot script or other brute force attack or any other unauthorized means may in the sole and absolute discretion of StubHub will result in the IP address becoming ineligible. Use of automated devices or programs to access, accrue, or redeem any Program benefits is prohibited.
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Services Deals
Dr. Fresh Absolute White Whitening System- $16
Added on : Wednesday December 18th 2013 05:00:09 PM
g: 0 Posted By: tawdy
Views: 246 Replies: 0 Hi,
I saw this whitening kit, the lowest I was able to find it was $26.99,
I found it for $16.00.
here on Amazon.

Dr. Fresh Whitening System

It looks giftable too.

Happy Holidays!!!
Health & Beauty Deals

Amazon Coupons
Is it safe to go on a cruise?
Added on : Tuesday December 17th 2013 01:00:10 PM
g: 0 Posted By: ggmon
Views: 120 Replies: 0 I do not get it. They do not guarantee safety or seaworthy vessel.


Carnival's court filing says the contract that passengers agree to when they buy a ticket "makes absolutely no guarantee for safe passage, a seaworthy vessel, adequate and wholesome food, and sanitary and safe living conditions."

http://www.cnn.com/2013/12/17/travel/carnival-cruise-triumph-problems/index.html?hpt=us_c2
Cruises Deals
Lumines: Electronic Symphony - PlayStation Vita Amazon $12.89
Added on : Monday December 16th 2013 03:00:03 PM
g: 0 Posted By: ArtieLange
Views: 24 Replies: 0 http://www.amazon.com/Lumines-Electronic-Symphony-PlayStation-Vita/dp/B006VB2W08/ref=sr_1_5?s=videogames&ie=UTF8&qid=1387245204&sr=1-5

Lumines: Electronic Symphony - PlayStation Vita Amazon $12.89

"...It's incredibly high on my 'Dear God, I Want This Now' list." IGN"Get Ready To Fall in Love with Lumines All Over Again" Kotaku"Lumines: Electronic Symphony Will Probably Hook You With Block-Music Hijinks Again." 1UP"...

The newly 3D visuals look absolutely amazing on the Vita screen." - GamesRadar
PSP Deals

Amazon Coupons
g: 0 Posted By: bsg75
Views: 105 Replies: 0 http://www.amazon.com/gp/product/B009EE0UCQ/
List Price: $399.99 Price: $37.95 You Save: $362.04 (91%)
In Stock. Sold by Makeup & Gift shop and Fulfilled by Amazon. Gift-wrap available.

Cats Can Climb to different levels & love sleeping in all of the compartments. Gives your kitty a place they can call home and feel comfortable
Very easy to assemble with instructions included. It can also be easily vacuumed with a hose attachment which is very convenient
Very Sturdy & Well made. Great for extremely active cats. Your Kitty will give it a big five paws up
Multiple levels allows your cat to relax and simply enjoy the view. Cats absolutely love this thing
Dimensions: 50X40X180cm Color: Black and White


Pets Deals

Amazon Coupons
The Wild Wild West (DVD) Complete TV Series $29.99 Amazon
Added on : Friday December 13th 2013 01:00:06 PM
g: 0 Posted By: Flipit
Views: 139 Replies: 0 The Wild Wild West (DVD) Complete TV Series $29.99 Amazon


An absolute stellar price




Linkazon
DVD Deals

Amazon Coupons
Save 20% on Select Chocolate Gifts @1800Baskets
Added on : Monday December 09th 2013 04:00:10 PM
g: 0 Posted By: oabcdes
Views: 223 Replies: 0 http://ww30.1800baskets.com/collection.do?sortBy=priceAsc&datase...

Use Promo Code CHOCOLATE20 at checkout.


Chocolate Gift Baskets

These sinfully sweet chocolate treats are absolutely delicious. Whether you favor rich, dark chocolate or creamy milk chocolate, youre certain to find a taste to savor in these chocolate gift baskets.

Food Deals

1800BASKETS Coupons
g: 0 Posted By: tedhawkins
Views: 83 Replies: 0 75% OFF Organic Vitamin C Serum for Radiant and Youthful Skin $9.25 FS with Prime

http://www.amazon.com/Hyaluronic-Guaranteed-Anti-aging-Anti-wrin...

Apply code BRYM3SB7 @ checkout

Most Powerful Vitamin C + E + Hyaluronic Acid + Ferulic Acid Serum is the Best Vitamin C Serum With a Range of Naturally Derived Skin Brightening Ingredients and Antioxidants
Turn Back the Clock and Reveal Your Skin's True Potential With Our Powerful and Stable Vitamin C Proven to Restore Skins Elasticity - Leaving it Looking Supple Smooth and Absolutely Radiant. Skin is Left Feeling Soft As a Baby
Vitamin C Serum Benefits Together with Hyaluronic Acid + Ferulic Acid Which Sends Your Skin Into an Unprecedented Penetration of Powerful Antioxidants For the Ultimate Anti Aging Effects Nourishing it From the Core to Regenerate Your Skin Cells For a More Smooth and Younger Looking Complexion
Protects Your Skin Against Free Radicals, Environmental Damage, and Promotes Collagen Production. Fast Absorbing Non-Greasy and Non-Sticky Formulation
Manufactured in the U.S.A
g: 0 Posted By: tedhawkins
Views: 71 Replies: 0 Continental X-King 2.2 RaceSport Mountain Tire 26x2.2 - Closeout! $24.99 @ performance bike

http://www.performancebike.com/bikes/Product_10052_10551_1135356...

Continental X-King 2.2 RaceSport Mountain Tire -
The Continental X-King 2.2 RaceSport is a do-anything, MTB tire that's super fast without compromising good grip, and it's perfect for XC racing and marathon/endurance events. RaceSport casing is lightweight and provides exceptional puncture protection at the highest level. The shoulder lugs deliver absolute stability for high speed cornering and Black Chili Compound offers a solid grip and excellent mud shedding. The ultimate race-day tire is here.

RaceSport casing is lightweight and provides noticeably better protection against flat tires at the very highest level
Black Chili Compound offers higher grip, longer mileage and lower rolling resistance, plus it's self-cleaning
3-ply 180 TPI casing is supple and responsive
Fast, high traction, excellent mud shedding tread design
Dense center tread for smooth rolling performance
Raised outer knobs provide sure corning traction
Rolling sensation of a much slicker tire for serious speed
Bicycle Deals

Performance Bicycle Coupons
lacensebeef.com grass fed beef
Added on : Monday December 02nd 2013 07:00:07 PM
g: 0 Posted By: DaysFan
Views: 264 Replies: 0 http://www.lacensebeef.com/
1.866.442.BEEF (2333)
Free shipping promo code: LOVEGRASSFED2Complimentary Gourmet Seasoning and Free Shipping!Receive our Special Reserve Gourmet Seasoning and Free Shipping with your first purchase of $95 or more!

http://www.lacensebeef.com/catalog/special-packs.aspx

l i n k e dP24. Best of La Cense Grass Fed Sampler Pack | Best BuyOur Best of La Cense Grass Fed Sampler includes three of our most popular 100% grass fed selections. The flavorful Bone-In NY Strip Steaks and Ribeyes are naturally marbled, succulent and juicy. Our Steakburgers with absolutely no fillers are included FREE. An incredible value youll want to order again and again! Weight: 2 Bone-In NY Strip Steaks - 14 oz each, 2 Ribeye Steaks - 10 oz each and FREE 4 steakburgers - 4 oz each.
This Pack Includes:



http://www.lacensebeef.com/catalog/premium-steaks/bone-in-ny-strip-steak-14-oz-2-pack.aspx
Quantity: 1
28 oz



http://www.lacensebeef.com/catalog/unknown/ribeye-steak-10-oz-2-pack.aspx
Quantity: 1
20 oz



http://www.lacensebeef.com/catalog/burgers-more/steakburger-patty-4-oz-4-pack.aspx
Quantity: 1
16 oz



Weight: 4 lbs
Item Number: Q194
Price: $109.99



Grocery Deals
Company charges my credit card 7 times - no business relationship
Added on : Monday December 02nd 2013 05:00:20 AM
g: 0 Posted By: ZeeOhhSix
Views: 16 Replies: 0 Strange thing just happened,

I logged into a seldom-used credit card, and saw 7 charges from October (totaling about $500) from EA (Electronic Arts?) and EA - Origin. All of the charges have an associated credit following them, such that my statement balance was still zero, and I guess that's how I didn't notice the charges until today. Since I have absolutely not made any purchases from them, what could be going on? Also, isn't it strange that a credit was placed back on the card for each and every line item? I'll certainly be calling in during my lunch break, but wanted to see if anyone had experience this before. Possible money maker from unauthorized charges? =)

ZeeOhhSix
Personal Finance Deals
NCAA Fleece Hoodies @ Kohl's - $17.59 after Coupon
Added on : Sunday December 01st 2013 03:00:07 AM
g: 0 Posted By: Trishako1
Views: 0 Replies: 0 NCAA Fleece Hoodies @ Kohl's - $17.59 after Coupon
was $55.00
Free Shipping!

Coupons
CYBERWEEK - Extra 20% off **To get the Absolute Best Deal, add two adult hoodies and one youth hoodie to your cart, which drops your total from $135 to $62.97 to $50.37 after the code. Then, you'll receive $15 in Kohl's cash via e-mail to spend between Dec 2-9, which drops your net total to $35.37, or $11.79 per hoodie shipped!   (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Cyber Days Cyber Monday Deals

Kohl's Coupons
Faux fur trapper hat by 7headz $9.90 on Amazon
Added on : Sunday December 01st 2013 02:00:03 AM
g: 2 Posted By: ebradfordrich
Views: 142 Replies: 0 Regularly $79.99

Linked up here

My family owns a Christmas tree farm so I spend a lot of time outside in December every year. I have several of the heavier duty 7heads trapper hats that I rotate through in a season. Stylish? Uh, not really. Warm? Absolutely. I'm looking forward to adding this one to the arsenal.

Clothing Deals

Amazon Coupons
50% off BF sale. AIDA64 software, better than Belarc Advisor
Added on : Friday November 29th 2013 01:00:08 PM
g: 0 Posted By: fkebay
Views: 225 Replies: 0 AIDA64 BF sale. 50% off. Regular $39.99 for a 1 year license, now half off.
Up to a 3 year license, regular $79.99, for half off.

BF Coupon Code: BLACK2013

Honestly I like/use both AIDA64 and Belarc Advisor.
But since more people might be familiar with Belarc Advisor, I threw that into the title to give folks an idea of what AIDA64 is.

AIDA64 tells you almost EVERY possible detail about your computer.

It goes into extreme detail too. Monitors over 250 sensor readings about your computer. Temperature, voltages, and more.

Example: Want to know what memory is in your PC. It can tell you about each module, in each DIMM slot. Info such as: speed, latency, manufacturer. Even the serial number of each DIMM module.

Example 2: The CPU. The temperature of each core. The temp of each hard dive.

Plus Stress Testing, benchmarks and much, much more!

link
BF Coupon Code: BLACK2013

AIDA64 Extreme is a streamlined Windows diagnostic and benchmarking software for home users.
AIDA64 Extreme provides a wide range of features to assist in overclocking, hardware error diagnosis, stress testing, and sensor monitoring.
It has unique capabilities to assess the performance of the processor, system memory, and disk drives.

AIDA64 is compatible with all current 32-bit and 64-bit Microsoft Windows operating systems, including Windows 8.1 and Windows Server 2012 R2.

CPU, memory and disk benchmarksAIDA64 implements a set of 64-bit benchmarks to measure how fast the computer performs various data processing tasks and mathematical calculations.

Memory and cache benchmarks are available to analyze system RAM bandwidth and latency.

Processor benchmarks utilize MMX, SSE, XOP, FMA, AVX and AVX2 instructions, and scale up to 128 processor threads.

For legacy processors all benchmarks are available in 32-bit version as well.

AIDA64 Disk Benchmark
determines the data transfer speed of hard disk drives, solid-state drives, optical drives, and flash memory based devices.

System stress testing
AIDA64 System Stability Test uses a 64-bit multi-threaded stress testing module to drive the computer to its absolute limits.
Temperature and voltage readings can be monitored while the stress test reveals any potential stability and reliability issues.
Hard disk, SSD and OpenCL GPGPU video adapter stress testing is also available.

Temperature, voltage and cooling fan monitoring
AIDA64 supports over 250 various sensor devices to measure temperatures, voltages, fan speeds, and power draw.
Measured values can be displayed on System Tray icons, OSD panel, Desktop Gadget, Logitech G15/G19 Gaming Keyboard LCD, and Razer SwitchBlade LCD.
The values can also be logged to file or exported to external applications such as RivaTuner or Samurai. AIDA64 can also alarm the user when it detects overheating, over-voltage, or cooling fan failure.

Hardware diagnostics
AIDA64 has the most accurate hardware detection capabilities in its class, to provide detailed information on the computer internals without the need to open it up.
The hardware detection module is strengthened by an exhaustive hardware database holding over 160,000 entries.
Additional modules are available to overview processor frequencies, check CRT and LCD display status, and stress the system to reveal potential hardware failures and thermal issues.

Software and operating system analysis
AIDA64 provides over 50 pages of information on installed programs, software licenses, security applications, and Windows settings.
List of started processes, services, DLL files, startup programs, and visited web pages is also available.

Don't forget................... BF Coupon Code: BLACK2013
Software Deals
Best buy: iPad Air: $424 with amex offers
Added on : Thursday November 28th 2013 08:00:11 AM
g: 0 Posted By: HideAndSeek
Views: 388 Replies: 1 Absolutely dislike blackfriday chaos. So here's a fairly decent online deal for iPad Air 16gb.

Its also in stock unlike Target and Staples.

iPad Air 16gb: $449
Amex $25 off $75 offer
Sub total: About $424 before tax

More accurately it's: ($449 x sales tax) - $25

www.bestbuy.com


iPads Deals

Best Buy Coupons
FTL: Faster Than Light (DRM-free) - $3.39 - GoG.com
Added on : Wednesday November 27th 2013 02:00:02 AM
g: 0 Posted By: Hoogineer
Views: 0 Replies: 0 link

My current addiction. I absolutely love this game. I got it in a Humble Bundle, but it's a real bargain at this price.
g: 0 Posted By: remick
Views: 175 Replies: 0 http://www.amazon.com/dp/B007S0LTPU/

4.6 out of 5 stars with 63 reviews

Revised addition!

Here in Volume 7 of the "On Target Photo Training" series we are concerned with hard light and how to shape it to get some pretty stunning results!
For most of us, the sun is our primary light source. Unless it is hidden behind a bank of clouds, it is a hard light source. Learning how to work with hard light is vital to our progression as photographers!
Once you are comfortable with working and shaping hard light, life gets pretty exciting... you can control your viewers emotions at will.
It's when you start putting emotion into your photography that you stop creating "snapshots" and start making "art."
Here is the table of contents to show you SOME of what is included...

Contents

Introduction
Ambient Light
Ambient Light Defined
Light Qualities
Hard Light
Hard Light Defined
Light Quality
Control Viewer Emotions
Light Angles Matter
Photo Exercise 1
Light Shaping
Barn Doors
The Snoot
Making Your Light Bigger
Flags, Dots And Fingers
Cookies and Gobos
Photo Exercise 2
Additional Photo Training

First we review some lighting concepts regarding Ambient light. ambient light can be hard or soft and learning to work with it is vital.

Hard Light: Then we discuss what hard light is and some of the situations where we might find it being used.

Control Viewer Emotions: How hard light is used to elicit and control emotion in our photos.

Light Angles Matter: With hard light, the angle of the light is a key consideration. Shoot at the wrong angle and you could create a portrait that will absolutely be hated... and possibly create an enemy for life.

Shoot at the right angle and you may see your work on the wall of a gallery someday!

Light Shaping - Cookies, Snoots, Flags Fingers & Dots: Do you know what "Flags", "Fingers", "Dots", "Cookies", "Gobos" and "Snoots" are?

You will in an hour or so after getting Volume 7 of the "On Target Photo Training" series. Not only will you know what they are, but you will know how and when to use them!

Check out this easy to read - illustrated and easy to understand volume. You'll be glad you've added it to your collection!
Totally Free Deals
China Announces That It Is Going To Stop Stockpiling U.S. Dollars
Added on : Friday November 22nd 2013 04:00:09 PM
g: 0 Posted By: unnamedny
Views: 127 Replies: 0 http://seekingalpha.com/article/1857411-china-announces-that-it-...
1 said: China just dropped an absolute bombshell, but it was almost entirely ignored by the mainstream media in the United States. The central bank of China has decided that it is "no longer in Chinas favor to accumulate foreign-exchange reserves". During the third quarter of 2013, China's foreign-exchange reserves were valued at approximately $3.66 trillion. And of course the biggest chunk of that was made up of U.S. dollars. For years, China has been accumulating dollars and working hard to keep the value of the dollar up and the value of the yuan down. One of the goals has been to make Chinese products less expensive in the international marketplace. But now China has announced that the time has come for it to stop stockpiling U.S. dollars. And if that does indeed turn out to be the case, than many U.S. analysts are suggesting that China could also soon stop buying any more U.S. debt. Needless to say, all of this would be very bad for the United States
Question Deals
This guy took fatwallets H&B advice and ran with it
Added on : Thursday November 21st 2013 10:00:06 AM
g: 1 Posted By: slavik
Views: 74 Replies: 0 http://elitedaily.com/news/world/instagram-straight-flexin-dan-bilzerians-instagram-absolutely-ridiculous/

the victim of three heart attacks by the age of 30

Discussion Deals
Dewalt DWST24082 24" Toolbox $9.99 @ Andersons ymmv
Added on : Thursday November 21st 2013 03:00:02 AM
g: 0 Posted By: chinnboy
Views: 63 Replies: 0 I'm in Columbus OH and fortunate to have an Andersons store. I was in there yesterday and spotted a pile of Dewalt DWST24082 toolboxes priced at $19.99 with a sign saying $5 off. However, when I checked out it came up with a $10 promo discount, making it 9.99 net.

This box is very similar to a Bostich labeled box I use for my Bosch 18v LiOn tools I think it is near perfect for that application. Right now it holds a drill/driver, a driver and an impact driver, an impact wrench, a jigsaw, two chargers and 3 batteries and sets of bits and blades. Room remains for my 6 1/2" circular saw but I left it at my farm in Missouri. With a little planning, I think I might squeeze my recip saw as well.

At ten bucks, these are an absolute steal, for tools or anything else. They have heft, clean lines, a user friendly latch and a wide flat top which can serve as a quick stepstool if you are not too heavy (i'm only 140 but it doesn't waffle at all). If you are lucky enough to have an Andersons you should consider checking it out. I think I'll get a couple more to use for Christmas presents rather that a cardboard box.
linky

Tools Deals
g: 2 Posted By: bittul
Views: 33 Replies: 0 Copied/Pasted from DJ3xclusive over @ SD
DJ3xclusive said: *Starts 11/21/2013*

http://www.amazon.com/dp/B00GJ1X4TS/ Rockstar Classics Bundle 7.99
http://www.amazon.com/dp/B00CLEIC6W Shatter - 2.49
http://www.amazon.com/dp/B00DOD0TZG BioShock Triple Pack - 14.99
http://www.amazon.com/dp/B00CPBZDQ8 Borderlands 2 and Borderlands GOTY - 11.99
http://www.amazon.com/dp/B00CPBZDPE Firaxis Pack (XCOM EU, Civ V Gold, Civ IV Complete) - 19.99
http://www.amazon.com/dp/B00ECHYTKY X-COM Collection (Classics +EU + DLC) - 9.99
http://www.amazon.com/dp/B0091T6FQO Desert to Sea - 9.99
http://www.amazon.com/dp/B008GW5V9E Action Shooter Pack - 9.99
http://www.amazon.com/dp/B00ELJROFA CIV V COMPLETE (Gold + Brave New World) - 19.99
http://www.amazon.com/dp/B00AFDKCLE X-COM ENEMY UNKNOWN- SLINGSHOT DLC - 3.49
http://www.amazon.com/dp/B009RSL2EO X-COM ENEMY UNKNOWN- ELITE SOLDIER DLC - 2.49
http://www.amazon.com/dp/B00846E6X4 X-COM: Complete Pack (CLASSICS) - 7.49
DUKE NUKEM FOREVER - 9.99
DARKNESS 2 - 14.99
http://www.amazon.com/dp/B00BCNV1CA CIV V GOLD - 24.99
http://www.amazon.com/dp/B0084FHBGY CIV IV COMPLETE - 14.99
http://www.amazon.com/dp/B00CYOHL48 Sid Meier's Civilization V Game of the Year Edition [Mac Download] - 19.99
http://www.amazon.com/dp/B00BLS4CZ4 Civilization V Gold - 24.99
Duke Nukem Forever [Mac Download] - 9.99
Civilization IV [Mac Download] - 9.99
Civilization V Gold + Civ V: Brave New World - 19.99
http://www.amazon.com/dp/B00BGEAY00 Blacklight Tango Down 4-Pack - 4.49
http://www.amazon.com/dp/B008PGUVLE Blacklight Tango Down - 1.29
BULLY/MANHUNT - 4.99
http://www.amazon.com/dp/B00DQXF8AU GTA TRILOGY - [Mac Version (http://www.amazon.com/dp/B006BEZPTU Click Here)] 6.99
http://www.amazon.com/dp/B00A9XQ83Q Max Payne 3 + Season Pass $7
http://www.amazon.com/dp/B00G3K2JEG MAX PAYNE 3 COMPLETE - 6.99
http://www.amazon.com/dp/B00GJ1X1SM MANHUNT/MANHUNT 2 - 3.99
http://www.amazon.com/dp/B00GJ1X3V2 GTA TRILOGY + GTA IV - 10.99
http://www.amazon.com/dp/B0091UYJ66 LA NOIRE Complete + Max Payne 3 Complete - 7.99
http://www.amazon.com/dp/B00904XVS0 GTA IV Complete + Max Payne 3 - 7.99
L.A. NOIRE - 9.99
GTA IV - 9.99
MANHUNT - 4.99
MANHUNT 2 - 7.49
GTA VICE CITY - 4.99
GTA 3 - 4.99
GTA SAN ANDREAS - 7.49
MAX PAYNE 3 - 9.99
MAX PAYNE 3 SEASON PASS - 7.49
Call of Duty: Black Ops - 19.99
Call of Duty: Black Ops - Rezurrection - 5.99
Call of Duty: Black Ops "Annihilation & Escalation" Content Pack - 9.99
R.I.P.D.: The Game - 2.99
God Mode - 2.99
Zeno Clash 2 - 4.99
Invadazoid - 1
Rails - 4.95
Art Text for Mac - 19.95
Scorpion: Disfigured - 4.9975
Jekyll & Hyde - 4.9975
Outcry - 4.9975
http://www.amazon.com/dp/B00B2CY948 Giana Sisters: Twisted Dreams - 2.99
The Few - 1.99
Strike Suit Zero - 4.99
Dungeons & Dragons: Chronicles of Mystara - 7.49
Dungeons & Dragons: Chronicles of Mystara 4-Pack - 22.49
Super Street Fighter IV: Arcade Edition - 14.99
100% Hidden Objects - 3.99
Ancient Spirits - Columbus Legacy - 1.99
Build It! Miami Beach Resort - 1.99
Dark Mysteries - The Soul Keeper - 2.99
Jewel Legends - Tree of Life - 2.99
Mahjong Mysteries - Ancient Athena - 1.99
Mahjongg: Ancient Mayas - 1.99
Mystery Stories - Mountains of Madness - 2.99
Mystery Stories: Island of Hope - 1.99
Sanctum 2 - 3.74
Super Sanctum TD - 0.99
Sanctum - 2.49
18 Wheels of Steel Long Haul - 2.49
Amnesia - 4.99
Hunting Unlimited 2010 - 2.49
Ultimate Mahjongg 20 - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 4.99
18 Wheels of Steel Extreme Trucker - 2.49
Let's Ride: Silver Buckle Stables - 2.49
Prison Tycoon 4: Super Max - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 9.99
Amnesia - 9.99
Stealth Bastard Deluxe - 2.99
Stealth Bastard Deluxe: The Teleporter Chambers - 1.49
Deponia - 3.99
Chaos on Deponia - 3.99
The Dark Eye - Chains of Satinav - 4.99
A New Beginning - 2.49
Edna & Harvey: Harveys New Eyes - 2.99
Garshasp: The Monster Slayer - 1.25
Garshasp: Temple of the Dragon - 1.25
Secret Files Franchise Pack - 19.99
Cubetractor - 4.99
PixelJunk Monsters Ultimate - 9.99
PixelJunk Shooter - 6.7425
Psychonauts - 2.5
Costume Quest - 3.75
Stacking - 3.75
Brutal Legend - 10
Brutal Legend - Soundtrack Edition - 12.5
Guacamelee! Gold Edition - 9.99
Tales From Space: Mutant Blobs Attack - 3.99
Hunter's Trophy 2 - America - 7.5
Hunter's Trophy 2 - Australia - 7.5
WRC 3 - 14.99
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Restaurant Empire - 4.95
Restaurant Empire 2 - 9.95
Capitalism 2 - 4.985
Zoo Empire - 2.4875
Marine Park Empire - 2.50
Circus Empire - 2.4875
Hotel Giant - 2.4875
Seven Kingdoms 2 - 2.4875
Nemesis of the Roman Empire - 4.9875
Warlords Battlecry 3 - 4.9875
Joan of Arc - 0.9875
Lords of Football - 6.25
Jig-Man! - 2.67
Maze-Master - 2.67
Nancy Drew: The Final Scene - 3.5
Nancy Drew: Secret Of The Scarlet Hand - 3.5
Nancy Drew: Ghost Dogs Of Moon Lake - 3.5
Nancy Drew: The Haunted Carousel - 3.5
Nancy Drew: Danger on Deception Island - 3.5
Nancy Drew: Ransom Of The Seven Ships - 3.5
Nancy Drew: The Phantom of Venice - 3.5
Nancy Drew Dossier: Resorting to Danger - 3.5
Nancy Drew: Legend of the Crystal Skull - 3.5
Nancy Drew Dossier: Lights, Camera, Curses! - 3.5
Nancy Drew: The Haunting of Castle Malloy - 3.5
Nancy Drew: Curse of Blackmoor Manor - 3.5
Nancy Drew: Warnings at Waverly Academy - 3.5
Nancy Drew: Secret of the Old Clock - 3.5
Nancy Drew: Last Train to Blue Moon Canyon - 3.5
Nancy Drew: Danger By Design - 3.5
Nancy Drew: The White Wolf of Icicle Creek - 3.5
Nancy Drew: The Creature of Kapu Cave - 3.5
Nancy Drew: Trail of the Twister - 3.5
Nancy Drew: Secrets Can Kill REMASTERED - 3.5
Nancy Drew: Shadow at the Water's Edge - 9.99
Nancy Drew: Shadow at the Water's Edge [Mac Download] - 9.99
Nancy Drew: The Captive Curse - 9.99
Nancy Drew: The Captive Curse [Mac Download] - 9.99
Nancy Drew: Alibi in Ashes - 9.99
Nancy Drew: Alibi in Ashes [Mac Download] - 9.99
Nancy Drew: Tomb of the Lost Queen - 9.99
Nancy Drew: Tomb of the Lost Queen [Mac Download] - 9.99
Nancy Drew: Treasure In The Royal Tower - 4.99
Nancy Drew: Message in a Haunted Mansion - 4.99
Nancy Drew: The Secret of Shadow Ranch - 7.49
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: The Phantom of Venice - 3.5
Defense Grid Containment Bundle - 4.99
StarDrive - 10.2
Endless Space Emperor Special Edition - 10.2
Endless Space: Disharmony - 3.4
Endless Space Gold Edition - 11.9
Adam's Venture - 1.25
Dark Fall: Lost Souls - 2.49
Darkness Within: In Pursuit of Loath Nolder - 2.49
Killing Floor - 4.5
Red Orchestra - 2.49
Baron Wittard - 2.49
Darkness Within 2 - 2.49
Wings of Luftwaffe DLC - 2.75
Wings of Prey - 3.75
Wings of Prey - Collector's Edition - 6.25
Family Farm - 3.75
Nuclear Dawn - 2.49
Oil Rush - 3.99
Armada 2526 - 3.75
Starpoint Gemini - 4.98
Blades of Time Limited Edition - 9.99
Gemini Wars - 4.98
LHOD Society of the Serpent Moon - 4.98
Adam's Venture 3 - 1.25
Adam's Venture 2 - 1.25
SOL: Exodus Collector's Edition - 2.49
Cristiano Ronaldo Freestyle - 1.25
Tiny Troopers - 1.25
Tiny Troopers - 1.25
The Good Life - 2.49
ABC Coloring Town - 1.25
Alphabet Robots Mahjong - 1.25
Balloon Blowout - 1.25
Fantastic 4 In A Row 2 - 1.25
Fantastic Checkers 2 - 1.25
Letter Land Mahjong 2 - 1.25
Mahjong Deluxe 2 - 1.25
Drip Drip - 2.5
Drip Drip - 2.5
Jewel Quest Mysteries: The 7th Gate - 0.99
Jewel Quest Heritage for Kindle Tablet - 0.99
Jagged Alliance: Crossfire - 7.4975
Tropico 4 DLC - Pirate Heaven - 1.2475
Sine Mora - 2.4975
Tropico 4: Megalopolis - 1.2475
Tropico 4: Vigilante - 1.2475
Omerta: City of Gangsters - 19.995
Tropico3: Absolute Power - Expansion - 2.4975
Tropico Reloaded - 1.7475
Tropico 3 - 2.4975
Tropico 4 - 7.4975
Tropico 4: Collectors Bundle - 9.9975
Tropico 4 - 7.4975
Tropico 4 - Junta Military DLC - 1.2475
Tropico 4 - Quick-Dry-Cement DLC - 1.2475
Omerta: City of Gangsters: The Con Artist - 2.495
Anna: Extended Edition - 4.995
Omerta: City of Gangsters: Damsel in Distress - 2.495
Jagged Alliance: Collector's Bundle - 9.9975
Omerta: City of Gangsters: The Arms Industry - 2.495
DARK - 19.995
Tropico Trilogy - 4.9975
Tropico 4: Military Junta DLC - 1.2475
Tropico 4: Voodoo - 1.2475
Tropico 4: Voodoo - 1.2475
Port Royale 3 Gold - 7.4975
Tropico Collection - 9.9925
Tropico 4 - Plantador Production DLC - 1.2475
Tropico 4: Quick-dry Cement DLC - 1.2475
Jagged Alliance - Back in Action - 9.9975
Tropico 4 - Modern Times DLC - 4.9975
Manhunter - 4.99
Euro Truck Simulator 2 - 11.99
Alien Breed : Assault - 2.49
Alien Breed : Descent - 2.49
Alien Breed : Impact - 2.49
Alien Breed Trilogy - 4.59
Superfrog HD - 2.49
Worms - 1.99
Worms Armageddon - 7.49
Worms Blast - 1.99
Worms Clan Wars - 12.49
Worms Collection - 22.49
Worms Crazy Golf - 2.49
Worms Pinball - 1.99
Worms Reloaded Game of the Year Edition - 6.25
Worms Revolution - 7.49
Worms Revolution Season Pass - 7.49
Worms Ultimate Mayhem - 3.75
http://www.amazon.com/dp/B007WWW2C8 The Walking Dead - 6.25
http://www.amazon.com/dp/B00DRKJ7VI The Walking Dead: 400 Days - 1.25
http://www.amazon.com/dp/B00ELJRCDO Walking Dead Pack - 7.49
Duck Tiles - 1.99
Bulldozer - 1.99
SQUIDS - 1.75
The Bridge - 4.99
Spectromancer + League of Heroes + Truth and Beauty + Gathering of Power Bundle - 1.99
Chivalry: Medieval Warfare - 12.49
ANNO 2070 - The Eden Project Complete Pack DLC - 5.2
ANNO 2070 - The Financial Crisis Complete Pack - 5.2
ANNO 2070 - 19.49
Assassin's Creed 2 - 12.99
Assassin's Creed 2 Deluxe Edition - 12.99
Assassin's Creed Brotherhood [Mac Download] - 12.99
Assassin's Creed II [Mac Download] - 12.99
Assassin's Creed Revelations - Gold Edition - 19.49
Assassin's Creed Revelations - Mediterranean Traveler Map Pack DLC - 6.49
Assassin's Creed Revelations - The Ancestors Character Pack DLC - 2.59
Assassin's Creed Revelations - The Lost Archive DLC - 6.49
Assassin's Creed Revelations - 12.99
Assassin's Creed: Brotherhood - 12.99
Assassin's Creed: Brotherhood Deluxe Edition - 19.49
Assassin's Creed: Director's Cut Edition - 12.99
Babel Rising - Mac - 6.49
Babel Rising - Sky's the Limit DLC - 1.94
Babel Rising - Sky's the Limit DLC Mac - 1.94
Babel Rising - 6.49
Beyond Good & Evil - 6.49
Blazing Angels 2: Secret Missions of WWII - 6.49
Blazing Angels Squadrons of WWII - 6.49
Brain Spa - 6.49
Brothers in Arms Earned in Blood - 6.49
Brothers in Arms Road to Hill 30 - 6.49
Call of Juarez 2: Bound in Blood - 6.49
Call of Juarez: The Cartel - 12.99
Cold Fear - 6.49
CSI: Crime Scene Investigation: Hard Evidence - 6.49
CSI: Deadly Intent - 6.49
CSI: Fatal Conspiracy - 12.99
Dark Messiah: Might & Magic - 6.49
Dawn of Discovery Gold - 12.99
Dawn of Discovery: Venice - 6.49
Driver San Francisco - Deluxe Edition - 16.24
Driver San Francisco - Standard Edition - 12.99
Driver San Francisco [Mac Download] - 12.99
Driver: Parallel Lines - 6.49
Far Cry - 32 Bit OS Only - 6.49
Far Cry 2: Fortune's Edition - 6.49
From Dust - 9.74
Heritage of Kings: The Settlers - 6.49
Heroes of Might and Magic V - 6.49
Heroes of Might and Magic V: Hammers of Fate - 6.49
Heroes of Might and Magic V: Tribes of the East - 6.49
Heroes Over Europe - 6.49
I Am Alive - 9.74
IL-2 STURMOVIK: CLIFFS OF DOVER - 12.99
Lock On - 6.49
Mad Riders - Daredevil Map Pack - 1.94
Mad Riders - 6.49
Might & Magic Clash Of Heroes - 6.49
Might & Magic Heroes VI: Pirates of the Savage Sea Adventure Pack - 6.49
Might & Magic: Clash of Heroes - I Am the Boss DLC Pack - 1.94
NCIS - 6.49
Peter Jackson's King Kong - 6.49
Petz Catz 2 - 6.49
Petz Horsez 2: Pippa Funnell Rescue Ranch - 6.49
Petz Sports - 6.49
Prince of Persia - 6.49
Prince of Persia: The Sands of Time - 6.49
Prince of Persia: The Two Thrones - 6.49
Prince of Persia: Warrior Within - 6.49
R.U.S.E. - 6.49
R.U.S.E. - 6.49
R.U.S.E. DLC 3 - 6.49
R.U.S.E: The Chimera DLC-Pack - 4.54
Rayman 3 Hoodlum Havoc - 6.49
Rayman Origins - 12.99
Rayman Raving Rabbids - 6.49
Shaun White Skateboarding - 6.49
Shaun White Snowboarding - 6.49
Splinter Cell Conviction - Insurgency Pack - 6.49
Tom Clancy's EndWar - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter 2 - 6.49
Tom Clancy's H.A.W.X 2 - 6.49
Tom Clancy's H.A.W.X 2 Deluxe - 9.74
Tom Clancy's H.A.W.X. - 6.49
Tom Clancy's H.A.W.X. 2 : The Open Skies - 6.49
Tom Clancy's Rainbow Six Lockdown [Game Download] - 6.49
Tom Clancy's Rainbow Six Vegas - 6.49
Tom Clancy's Rainbow Six Vegas 2 - 6.49
Tom Clancy's Splinter Cell - 6.49
Tom Clancy's Splinter Cell Chaos Theory - 6.49
Tom Clancy's Splinter Cell Conviction [Mac Download] - 12.99
Tom Clancy's Splinter Cell Conviction Deluxe - 12.99
Tom Clancy's Splinter Cell Double Agent - 6.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Pro Cycling Manager 2013 - 14.99
Pro Cycling Manager 2013 - 14.99
Wargame Airland Battle - 13.59
Magrunner: Dark Pulse [Thin Game Download] - 6.79
Mars: War Logs - 6.79
Cities XL Platinum - 7.49
Cities XL Platinum - 7.49
Blood Bowl: Chaos Edition - 7.49
The Testament of Sherlock Holmes - 7.49
The Testament of Sherlock Holmes - 7.49
Adventure Bundle - 14.99
RPG Bundle - 34.99
Game of Thrones - 9.99
DLC Quest - 0.99
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
The Asskickers - 3.1936
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
Megabyte Punch - 7.49
Critical Mass - 0.49
Metal Dead - 1.25
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Sountrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 33.49
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99
THE SIMS 3 70s, 80s, & 90s STUFF (PC/MAC) - 9.99
THE SIMS 3 Diesel STUFF PACK (PC/MAC) - 9.99
THE SIMS 3 DRAGON VALLEY (PC/MAC) - 9.99
THE SIMS 3 FAST LANE STUFF (PC/MAC) - 9.99
THE SIMS 3 GENERATIONS (PC/MAC) - 9.99
THE SIMS 3 HIDDEN SPRINGS - 9.99
THE SIMS 3 HIGH-END LOFT STUFF (PC/MAC) - 9.99
THE SIMS 3 INTO THE FUTURE (PC/MAC) - 22.49
THE SIMS 3 MASTER SUITE STUFF (PC/MAC) - 9.99
THE SIMS 3 MONTE VISTA (PC/MAC) - 9.99
THE SIMS 3 MOVIE STUFF (PC/MAC) - 9.99
THE SIMS 3 OUTDOOR LIVING STUFF (PC/MAC) - 9.99
THE SIMS 3 PETS (PC/MAC) - 9.99
THE SIMS 3 SHOWTIME (PC/MAC) - 9.99
THE SIMS 3 SUPERNATURAL (PC/MAC) - 9.99
THE SIMS 3 TOWN LIFE STUFF (PC/MAC) - 9.99
THE SIMS 3 WORLDS BUNDLE - 9.99
THE SIMS MEDIEVAL (PC/MAC) - 9.99
THE SIMS MEDIEVAL PIRATES AND NOBLES (PC/MAC) - 9.99
MASS EFFECT 3 - 6.99
MASS EFFECT 3 - 6.99
BULLETSTORM - 4.99
DEAD SPACE - 4.99
DEAD SPACE 2 - 4.99
MASS EFFECT - 4.99
MASS EFFECT 2 - 4.99
SIM CITY 4 DELUXE - 4.99
SYNDICATE - 4.99
THE SIMS 3 AMBITIONS (PC/MAC) - 14.99
THE SIMS 3 LATE NIGHT (PC/MAC) - 9.99
THE SIMS 3 PLUS SHOWTIME (PC/MAC) - 14.99
THE SIMS 3 PLUS SUPERNATURAL (PC/MAC) - 14.99
THE SIMS 3 STARTER PACK - 14.99
THE SIMS 3 UNIVERSITY LIFE (PC/MAC) - 14.99
THE SIMS 3 WORLD ADVENTURES (PC/MAC) - 9.99
MASS EFFECT 3 DIGITAL DELUXE - 9.99
BATTLEFIELD: BAD COMPANY 2 ULTIMATE DIGITAL COLLECTION - 8.99
MEDAL OF HONOR ULTIMATE DIGITAL COLLECTION - 8.99
SPORE ULTIMATE DIGITAL COLLECTION - 9.99
THE SIMS 3 ISLAND PARADISE (PC/MAC) - 19.99
THE SIMS 3 PLUS PETS (PC/MAC) - 19.99
THE SIMS 3 SEASONS (PC/MAC) - 19.99
ALICE: MADNESS RETURNS THE COMPLETE COLLECTION - 7.49
CRYSIS 2 MAXIMUM - 7.49
CRYSIS MAXIMUM - 7.49
MASS EFFECT 2 DIGITAL DELUXE EDITION - 7.49
THE SIMS 3 DELUXE (PC/MAC) - 24.49
THE SIMS 3 PLUS ISLAND PARADISE (PC/MAC) - 24.49
Burning Hot Bundle - 5.99
Kingdoms of Amalur Complete Bundle - 8.49
Vintage Sports Pack - 8.49
Medal of Honor Warfighter pack (Game + DLC) - 7.49
Have Faith Bundle - 4.99
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Memoria - 13.19
The Night of the Rabbit - 9.99
1 PLEX: EVE Online [Game Connect] - 16.95
2 PLEX: EVE Online [Game Connect] - 29.75
6 PLEX: EVE Online [Game Connect] - 89.25
12 PLEX: EVE Online [Game Connect] - 178.49
28 PLEX: EVE Online [Game Connect] - 416.49
1 Month Subscription: EVE Online [Game Connect] - 11.25
3 Months Subscription: EVE Online [Game Connect] - 29.13
6 Months Subscription: EVE Online [Game Connect] - 53.77
12 Months Subscription: EVE Online [Game Connect] - 98.55
Painkiller Hell & Damnation Collector's Edition - 5.49
Rooks Keep - 4.99

*Starts 11/22/2013*

S.T.A.L.K.E.R. Call of Pripyat - 9.995
Expeditions: Conquistador - 13.3933
Thunder Wolves - 6.6933
Air Conflicts: Pacific Carriers - 9.995
Galaxy on Fire 2 HD - 9.995
Party of Sin - 2
Party of Sin - 2
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475

*Starts 11/23/2013*

The Book of Unwritten Tales Deluxe Edition - 4.99
The Book of Unwritten Tales Deluxe Edition - 4.99
reef Shot - 2.99

*Starts 11/24/2013*

Inspector Cyndi in Newport--UNFINISHED SYMPHONY - 4.99
Inspector Cyndi in Newport--FALL FROM GRACE - 4.99
Crossed Quotes - 2.49
Jewels of the Nile - 2.99
Crystal Caverns of Amon-Ra - 2.99
Billiards Champ - 2.99
101 Pony Pets - 2.99
Dynasty of Egypt - 2.99
Supreme Commander: Forged Alliance - 2.99
Supreme Commander - 2.99

*Starts 11/25/2013*

Party of Sin - 5
Party of Sin - 5
Kilgazar (Desura) - 2.99
Kilgazar - 2.99
Kilgazar - 2.99
Kilgazar (Desura) - 2.99

*Starts 11/26/2013*

Hell Yeah! - 4.99
Hell Yeah! Virtual Rabbit Missions DLC - 1.87
Hell Yeah! Pimp my Rabbit DLC - 1.02
Hell Yeah! Collection - 6.29
Renegade Ops - 4.79
Renegade Ops 4 pack - 9.99
Reinforcement Pack - 1.0465
Cold Strike Campaign - 1.69
Renegade Ops Collection - 5.29
Red Faction Armageddon - 3.99

*Starts 11/27/2013*

Test Drive: Ferrari Racing Legends - 14.99
Pat Sajak's Lucky Letters - 4.99
Indigo Prophecy - 4.99
Project Runway - 9.99
Test Drive Unlimited 2 - 9.99
911: First Responders - 9.99
Backyard Sports: Rookie Rush - 14.99
Ghostbusters: The Video Game - 4.99
Haunted House - 9.99
Ghostbusters: Sanctum of Slime - 4.99
Yars Revenge - 4.99
Star Raiders - 4.99
Puzzler World - 9.99
Rollercoaster Tycoon 2: Triple Thrill Pack - 4.99
Rollercoaster Tycoon 3: Platinum - 9.99
Swashbucklers - 4.99
Tactical Ops - 9.99
The UnderGarden - 4.99
Baldur's Gate Enhanced Edition - 9.99
Rollercoaster Tycoon Pack (Rollercoaster Tycoon 3: plat + Roller coaster Tycoon 2 - 9.99
Test Drive Pack (Ferrari racing + Unlimited 2) - 14.99
Empire: Total War - Gold Edition - 19.99
Napoleon: Total War - Gold Edition - 14.99
Rome: Total War Gold Edition [Mac Download] - 12.5
Tribes: Ascend Game of the Year Edition - 7.49
Inversion - 4.99
Dark Souls: Prepare To Die Edition - 7.49
Ace Combat: Assault Horizon - 7.49
Star Trek - 4.99
RIDGE RACER Unbounded - 4.99
MUD - FIM Motorcross World Championship - 7.49
Pac-Man and the Ghostly Adventures - 19.99
Pac-Man Championship Edition DX+ - 4.99
Enslaved: Odyssey to the West Premium Edition - 9.99
Mishap 2: An Intentional Haunting - 2.49
Mishap 2: An Intentional Haunting - 3.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Antiques Roadshow - 2.49
Burger Time Deluxe - 1.69
Cat Wash - 1.69
Dig Dug - 0.99
Everything Nice - 1.69
Garters & Ghouls - 1.19
Gwen the Magic Nanny - 1.69
Journabullet Journey: The Eye of Odin - 1.69
Knightfall: Death and Taxes - 1.69
Mishap: An Accidental Haunting - 0.99
PAC-MAN - 0.99
PAC-MAN Pizza Parlor - 1.69
Pool Pro Online 3 - 2.49
Star Trigon - 1.69
The Otherside: Realm of Eons - 0.99
Tinseltown Dreams - The 50's - 1.69
Sniper Elite V2 - 5.99
Rogue Trooper - 1.49
Sniper Elite V2 - Kill Hitler DLC Pack - 2.39
Sniper Elite V2 - The Neudorf Outpost DLC Pack - 1.49
Sniper Elite V2 - The Landwehr Canal DLC Pack - 1.49
Sniper Elite: Nazi Zombie Army - 4.49
Sniper Elite: Nazi Zombie Army 4 Pack - 11.99
Sniper Elite V2 Bundle - 9.99
The Lord of the Rings Online: Quad Pack - 19.99
The Lord of the Rings Online: Riders of Rohan - 9.99
The Lord of the Rings Online: Samwise Gamgee's Starter Pack - 6.99
Dungeons & Dragons Online: Shadowfell Conspiracy Standard Edition - 14.99
Dungeons & Dragons Online: Shadowfell Conspiracy Collector's Edition - 24.99
Making History II: The War of the World - 4.99

*Starts 11/28/2013*

http://www.amazon.com/dp/B0098QPPL6 Battlefield 3: Premium Edition - 13.99
http://www.amazon.com/dp/B0087STJLS Battlefield 3: Premium Service - 11.49
http://www.amazon.com/dp/B008MNJYI6 Battlefield 3 Ultimate Shortcut Bundle - 9.49
http://www.amazon.com/dp/B00DNHLFQA Command & Conquer The Ultimate Collection [PC Instant Access] - 7.49
http://www.amazon.com/dp/B009IR1SR0 Command and Conquer The Ultimate Collection - 7.49
NiGHTS into Dreams - 3.39
Sonic Adventure 2 - 3.39
Sonic Adventure 2 Battle Mode DLC - 1.02
http://www.amazon.com/dp/B00AWRPEJI Sonic and SEGA All-Stars Racing Transformed - 4.99
Sonic and SEGA All-Stars Racing Transformed 4-Pack - 14.99
Binary Domain - 4.99
Binary Domain Collection - 7.79
Final Fantasy XIV: A Realm Reborn - 14.99
Final Fantasy XIV: A Realm Reborn Collector's Edition - 24.99
Joe Danger - 5.996
Joe Danger 2: The Movie - 5.996
Joe Danger Bundle - 9.996
Risen - 1.99
Risen 2 : Dark Waters - 3.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 5
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 4.99
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
http://www.amazon.com/dp/B00GJ1XDJY Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.49
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 4.99
BioShock [Mac Download] - 4.99
BioShock 2 [Mac Download] - 4.99
Titan Quest Gold - 3.99
Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Sonic Generations - 7.49
Sonic Generations Casino Night DLC - 0.39
Sonic The Hedgehog 4 Episode 1 - 2.49
Sonic The Hedgehog 4 Episode 2 - 3.7475
Viking: Battle For Asgard - 3.7475
Total War: ROME II - 39.99
Total War: ROME II: Greek States Culture Pack - 5.9925
Warhammer 40,000: Dawn of War II - 4.99
Warhammer 40,000: Dawn of War II - Chaos Rising - 4.99
Warhammer 40,000: Dawn of War II: Retribution - 7.49
Total War Master Collection - 16.99
Warhammer 40,000: Dawn of War II: Complete Collection - 24.99
Rocksmith - 7.49
Might & Magic Heroes VI: Complete Edition - 9.99
Anno 2070 Complete Edition - 12.49
Tom Clancy's Ghost Recon Future Soldier - 4.99
Tom Clancy's Ghost Recon Future Soldier - Deluxe Edition - 7.99
Tom Clancy's Splinter Cell Blackbullet - 29.99
Rayman Legends - 19.99
Batman: Arkham Origins - 19.99
LEGO Marvel Heroes - 19.99

*Starts 11/29/2013*

30 Day Membership: RuneScape 3 [Game Connect] - 3.95
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
RIP Trilogy - 1.24
Specforce - 1.24
Alpha Prime - 1.24
Biathlon 2009 - 1.24
Chains - 1.24
Greed - 1.24
GTI Racing - 1.24
Ice Land 2 - 1.24
Nikopol-Secret of the Immortals - 1.24
Obulis - 1.24
Race Team Manager - 1.24
Space Trader - 1.24
Vigil: Blood Bitterness - 1.24
Winter Sports 2009 - 1.24
Vigil: Blood Bitterness - 1.24
RIP Trilogy - 1.24
Chains - 1.24
Obulis - 1.24
Nikopol-Secret of the Immortals - 1.24
Alpha Prime - 1.24
Deadly 30 - 1.24
Hacker Evolution: Untold - 1.49
The Chosen-Well of Souls - 1.49
Chrome - 1.79
Chrome - 1.79
Battle Mages - 1.99
Gear Grinder - 1.99
Daemonica - 2.49
Shadowgrounds - 2.49
Tank Universal - 2.49
Tank Universal - 2.49
Stellar Impact - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Bridge Constructor - 2.49
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Scratches - Director's Cut - 2.49
Trapped Dead - 2.49
Post Apocalyptic Mayhem - 2.49
Al Emmo and The Lost Dutchman's Mine - 2.49
Australia Zoo Animal Links - 2.49
Avencast: Rise of the Mage - 2.49
Bus Driver - 2.49
Crash Time 2 - 2.49
Dark Matter - 2.49
Future Wars - 2.49
Hacker Evolution - 2.49
Hard Truck: Rise of the Clans - 2.49
Operation Matriarchy - 2.49
Penguins Arena - 2.49
Space Hack - 2.49
Xpand Rally Xtreme - 2.49
Wasteland Angel - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Crash Time 2 - 2.49
Avencast: Rise of the Mage - 2.49
Future Wars - 2.49
Space Trader - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Scratches - Director's Cut - 2.49
Stellar Impact - 2.49
Trapped Dead - 2.49
Penguins Arena - 2.49
Grotesque Tactics 2 Dungeons and Donuts - 2.49
Unstoppable Gorg - 2.49
Battle Mages: Sign of Darkness - 3.79
Hot Dog King - 3.79
Pacific Storm - 3.79
Pacific Storm Allies - 3.79
Shadowgrounds Survivor - 3.79
Pacific Storm Allies - 3.79
Pacific Storm - 3.79
Steller Impact bundle - 3.99
Grotesque Tactics 2 Dungeons and Donuts - 4.99
Big Rig Europe - 4.99
Deer Drive - 4.99
Great Journey - 4.99
Dark Bundle - 6.49
Grotesque pack - 6.49
M4 Danger Pack - 8.29
M4 Family Pack - 8.49
M4 Action Pack - 9.29
Stronghold Crusader HD - 6.99
Space Colony HD - 6.99
BOUNCEBACK- Stronghold HD FREE with Purchase of Stronghold Kingdoms (B0083LD2TE) - 0
Mighty Castle Pack: Stronghold Kingdoms [Instant Access] - 4.99
Top Gun Hard Lock - 2.49
http://www.amazon.com/dp/B00DCDTSRI PAYDAY 2 - 9.99
http://www.amazon.com/dp/B00DGD0DUK PAYDAY 2 4-Pack - 29.99
TAKEDOWN: Red Sabre - 3.68
Brothers - A Tale of Two Sons - 7.49
Marlow Briggs and the Mask of Death - 7.49
How to Survive - 7.49
Fast and Furious: Showdown - 19.99
The Walking Dead: Survival Instinct - 24.99
The Walking Dead: Survival Instinct - Walker Herd Survival Pack - 2.49
Cabela's Bundle - 24.99
Cabela's Dangerous Hunts 2013 - 14.99
Cabela's Hunting Expeditions - 14.99
Caesar III - 1.49
Transformers: Fall of Cybertron - 29.99
Transformers: War for Cybertron - 9.99
Transformers: War for Cybertron - 9.99
Prototype - 9.99
Prototype - 9.99
Prototype 2 - 19.99
Blockland - 4.99
Blockland - 4.99
3,500 Marvelous Coins: Pandora Saga [Game Connect] - 2.5
7,000 Marvelous Coins: Pandora Saga [Game Connect] - 5
14,000 Marvelous Coins: Pandora Saga [Game Connect] - 10
35,000 Marvelous Coins: Pandora Saga [Game Connect] - 25
70,000 Marvelous Coins: Pandora Saga [Game Connect] - 50
3,500 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 2.5
7,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 5
14,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 10
35,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 25
70,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 50
3,500 Marvelous Coins: Battle Space [Game Connect] - 2.5
7,000 Marvelous Coins: Battle Space [Game Connect] - 5
14,000 Marvelous Coins: Battle Space [Game Connect] - 10
35,000 Marvelous Coins: Battle Space [Game Connect] - 25
70,000 Marvelous Coins: Battle Space [Game Connect] - 50
GRID 2 - 15.99
F1 2012 - 12.49
Dirt 3 - 12.49
Dirt Showdown - 14.99
GRID - 7.49
F1 2011 - 14.99
Operation Flashpoint Red River - 7.49
Operation Flashpoint Dragon Rising - 7.49
Overlord - 1.99
Overlord 2 - 4.99
F1 2010 - 12.49
Hospital Tycoon - 1.99
Clive Barkers Jericho - 1.99
Overlord Raising Hell - 4.99
Rise of the Argonauts - 4.99
Maelstrom: The Battle for Earth Begins - 1.99
Damnation - 4.99
F1 Race Stars - 9.79
Codemaster Action Pack - 9.49
F1 2013 - 31.99
F1 2013 Classic Edition - 41.49
Racing Pack (GRID + Dirt 3 + Dirt Showdown) - 9.99
Crysis 3 Complete Pack - 9.99
Dead Space 3 Complete Pack - 15.99
Need for Speed Bundle - 19.99
The Secret World - 10.19
MonstaFish - 1.99
Frozen Hearth - 8.25
Uprising 44: The Silent Shadows - 4.99
Bounders & Cads - 2.49
Tabletop Defense - 3.33
Don't Starve - 7.495
Castlevania: Lords of Shadow - Ultimate Edition - 14.99
Pro Soccer Evolution 2014 -
Kingdom Tales - 6.6933
1953 KGB Unleashed - 9.995
Agricultural Simulator 2012 - 4.995
Bridge Project - 9.995
Farming Giant - 9.995
I Am Vegend - 4.995
Agricultural Simulator 2011 Gold Edition - 3.7475
Chernobyl Terrorist Attack - 2.4975
Farm 2 - 2.4975
GTR Evolution - 3.7475
Hotel - 1.7475
Snowcat Simulator 2011 - 4.9975
Sudokuball Detective - 2.4975
The Surfer - 2.4975
Where Angels Cry - 2.4975
Woodcutter Simulator 2012 - 4.9975
Zooloretto - 2.4975
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Paradox Action Pack - 5.99
Paradox Grand Strategy Pack - 14.99
Aliens vs. Predator - 3.59
Swarm Pack - 1.87
Bughunt - 1.87
Aliens vs. Predator Collection - 5.99
Jet Set Radio - 2.49
Alpha Protocol - 3.74
Space Siege - 3.74
10 Gold: Age of Wushu [Instant Access] - 2.7
100 Gold: Age of Wushu [Instant Access] - 27
200 Gold: Age of Wushu [Instant Access] - 54
30 Gold: Age of Wushu [Instant Access] - 8.1
300 Gold: Age of Wushu [Instant Access] - 81
50 Gold: Age of Wushu [Instant Access] - 13.5
It came from space, and ate our brains - 0.99
Defiance - 4.99
Defiance Digital Deluxe Edition - 14.99
Defiance Digital Deluxe Upgrade - 9.99
Bastion - 3.69
FEAR Ultimate Shooter Edition - 2.49
LEGO Batman - 4.99
LEGO Batman 2: DC Super Heroes - 7.49
LEGO Batman Pack - 11.49
LEGO Harry Potter: Years 5-7 - 4.99
LEGO Harry Potter: Years 1-4 - 4.99
LEGO Lord of the Rings - 7.49
Mortal Kombat Arcade Kollection - 2.49
Scribblenauts Unmasked - 26.79
Vanguard Princess - 2.5
FIFA 14 - 29.99
FIFA 14 [PC Instant Access] - 29.99
FIFA Manager 14 Legacy Edition - 13.99
Need For Speed Rivals - 35.99
SimCity [PC Instant Access] - 29.99
SimCity - Standard (Online Game Code) - 29.99
SimCity Cities of Tomorrow - 26.99
Sega Fun Pack - 9.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
The Last Remnant - 2.99
Dungeon Siege 3 Pack - 2.99
Quantum Conundrum + DLC - 6.99
Dungeon Siege - 1.99
Dungeon Siege II - 2.99
Mini Ninja + Quantum + Seasons of Mystery - 9.99
Legacy of Kain Pack - 3.99
http://www.amazon.com/dp/B00GJ2I1UE LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - 14.99
http://www.amazon.com/dp/B00GJ2I2GW Scribblenauts Pack - 14.99
Call of Duty: Ghosts - 44.99
Call of Duty: Ghosts Hardened Edition - 99.99
DuckTales: Remastered - 7.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 0.99
Eve Online: Starter Pack - Caldari Explorer - 0.99
EVE Online: Starter Pack - Asteroid Miner - 0.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 0.99
Metro 2033 - 3.74
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 14.99
Saints Row: The Third - 5
Saints Row the Third - The Full Package - 7.5
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
EVE Online: Starter Pack - Plasma Planet Command - 0.99
Battlefield 4 - 29.99
Battlefield 4 [PC Instant Access] - 29.99
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
http://www.amazon.com/dp/B007VFH3BQ Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
Final Fantasy VII - 5.99
Assassin's Creed III - 7.49
Assassin's Creed III - 7.49
Assassins Creed III: Deluxe Edition - 14.99
Far Cry 3 Deluxe + Far Cry 3 Blood Dragon Bundle - 14.99
Might&Magic X Legacy Early-Access - 19.99
Far Cry 3 + Far Cry 3 Blood Dragon Bundle - 14.99
Rocksmith 2014 - 39.99
Mortal Kombat Komplete Edition - 14.99


important !important !important
*Starts 11/30/2013*

Party of Sin - 2
Party of Sin - 2
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Darksiders - 3.99
Darksiders II - 9.99
Darksiders II Season Pass (DLC) - 3.99
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
Battlefield 4 - 39.99
Battlefield 4 [PC Instant Access] - 39.99

*Starts 12/01/2013*

Trainz Trouble - 2.49
My First Trainz Set - 4.99
Trainz Simulator 12 - 19.99
Trainz Simulator 2010 Engineers Edition - 4.99
Trainz Simulator: Blue Comet Addon Pack [Game Download - 4.99
Trainz Simulator 2009: World Builder Edition [Game Download] - 2.49
Foursquare - 2.49
Slider - 2.49
Word Jungle - 2.49
Casual Strike - 2.99
Jewel Drop - 2.99
Jewel Labyinth - 2.99
Bible Hangman Quest - 2.99
PlayPets: 101 PuppyPets - 2.99
Sonic everywhere pack - 17.49
Neocolonialism - 4
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99

*Starts 12/02/2013*

Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Metro 2033 - 3.75
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 18.7
Saints Row: The Third - 4.99
Saints Row the Third - The Full Package - 7.49
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
Risen - 1.99
Risen 2 : Dark Waters - 4
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 4.99
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 5
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.5
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 5
Battlefield 3 - 4.79
Battlefield 3 [PC Instant Access] - 4.79
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Company of Heroes 2: Theatre of War - Case Blue DLC Pack - 4.99
Company of Heroes 2 (Digital Collectors Edition) - 49.99
Company of Heroes 2 (Standard Edition) - 29.99
Company of Heroes 2 Barbarossa Skin Pack - 9.99
Company of Heroes 2 Starter Camo Bundle - 3.99
Company of Heroes 2 Starter Commander Bundle - 4.49
Total War Grand Master Collection - 29.99
Sonic Adventure - 2.2375
Crazy Taxi - 2.2375
SEGA Bass Fishing - 2.2375
Space Channel 5: Part 2 - 2.2375
Dreamcast Collection - 6.99
Warhammer 40,000: Space Marine - 6.99
Warhammer 40,000: Dawn of War 1 & 2 Franchise Collection - 29.99
Company of Heroes - 2.49
Company of Heroes - Opposing Fronts - 4.99
Company of Heroes - Tales of Valor - 4.99
Company of Heroes - Complete Pack - 7.49
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
Final Fantasy VII - 5.49
The Last Remnant - 2.99
Dungeon Siege 3 Pack - 2.99
Quantum Conundrum + DLC - 6.99
Dungeon Siege - 1.99
Dungeon Siege II - 2.99
Mini Ninja + Quantum + Seasons of Mystery - 9.99
Legacy of Kain Pack - 3.99
Rocksmith - 7.49
Might & Magic Heroes VI: Complete Edition - 9.99
Anno 2070 Complete Edition - 12.49
Tom Clancy's Ghost Recon Future Soldier - 4.99
Tom Clancy's Ghost Recon Future Soldier - Deluxe Edition - 7.99
Tom Clancy's Splinter Cell Blackbullet - 29.99
Rayman Legends - 19.99
LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - 14.99
Mortal Kombat Komplete Edition - 14.99
Skulls of the Shogun: Bone-a-Fide Edition - 4.99


Video Games Deals

Amazon Coupons
15% off + 3x pts (cardmembers) at Banana Republic Factory
Added on : Wednesday November 20th 2013 03:00:03 PM
g: 0 Posted By: bigbard27
Views: 35 Replies: 0 I received a mailer today about an upcoming sale at Banana Republic Factory stores from Nov. 28 to Dec. 1, "50% off absolutely everything including clearance and new arrivals plus triple points for cardmembers", this means effectively 15% back in rewards instead of the normal 5% and the T&C's state gift cardsareincluded for triple points. Might be a good time to buy some BR GC's with 15% back if you plan on doing some shopping there (or Gap/Old Navy/Piperlime/Athleta, GC's are good at any of these stores) in the future.


T&C's:
Offer valid 11/28/2013-12/1/13 at any Banana Republic Factory Store in the U.S. & Puerto Rico only. Offer not valid at Banana Republic stores, online, or in our clearance center. Must use your BananaCard, GapCard or Old Navy Card to earn triple points and purchases are subject to credit approval. Points are earned for merchandise only (including gift card purchases), excluding merchandise returns and will appear in credit card statements within one to two billing cycles. See store for details.



tl;dr - Banana Republic GC's with 15% back in rewards for cardmembers only, plus 50% off at factory store, Nov. 28 - Dec. 1
Clothing Deals
Advice for Annuities and Inflation in Retirement and Where to get Quotes
Added on : Tuesday November 19th 2013 05:00:08 AM
g: 0 Posted By: km782
Views: 62 Replies: 3 Here are my stats:
66 year old female (born in 1947)
Single, no children
Planning to retire next year
House is paid off ($250k)
$200k currently in a variable annuity traditional IRA
$200k currently in a 401k, roth IRA and savings accounts

I am on the fence about when to take social security. If I take benefits now I will get $29k/year. If I wait until I'm 70 I get $39k/year but I'll need to figure out how to bridge that gap in the mean time.

On immediateannuities.com it looks like I can get $6888/year for every $100k I invest in a fixed immediate annuity. I've got good genes given that many of my family members have made it into their 90's so I am assuming that I will make it to at least 100. That means the annuity would deliver a 6% IRR.

What worries me about fixed annuities is inflation. The CPI has gone up almost every year and I think it averages about 3% so I definitely want to factor that in. I am having trouble finding anywhere that I can easily get quotes for inflation protected annuities. I realize the payout for these is lower but I think if I live long enough I will come out ahead. Is there a good place that I can go to get quotes? It should be simple but everything I've seen requires that you call an agent and sit through a sales pitch. I'd rather just look at payouts to compare and then read the fine print of the contract to see if it will work for me.

My thinking is to determine how much money I absolutely have to have every month, subtract my social security benefits and then make up the rest with annuities. This way I can sleep soundly at night knowing that I'll be covered for life. Then, I plan to roll whatever is left over into an IRA at Vanguard. This could go towards leisure and other expenses.

I live a modest life right now and am not looking to go crazy in retirement. I haven't saved a ton of money for retirement so I think I'm realistic about my investment income. If I had some quotes though it would make it easier to plan out how much of my portfolio needs to go into annuities and how much I can comfortably withdrawl each year. If anyone has advice to offer on what you would do in my situation I'd really appreciate it.
Personal Finance Deals
Jaclyn Smith Ridgedale 7.5 Cashmere Faux Tree - $135.00 K-Mart
Added on : Monday November 18th 2013 10:00:04 AM
g: 1 Posted By: under10
Views: 248 Replies: 0 Hi all,

K-Mart had this tree last year but I missed my opportunity to buy on sale. It's back this season and has been hovering around $230-280 over the past several weeks. I checked in yesterday and the price dropped to $135 so I snatched it up through shopdiscover.com using my discover card - combined 15% off (10% through shopdiscover plus extra 5% category CashBack). Plus free shipping or free in store p/u.

The tree itself is absolutely beautiful and at this price point, I'd say it's a good deal. It's available in clear lights or multi-colored.

http://www.kmart.com/jaclyn-smith-7.5ft-pre-lit-ridgedale-cashmere-spruce/p-009W004791410001P


Home & Garden Deals

Kmart.com Coupons
USED (Like New) Asus RT-AC66U WiFi Router $135 on Amazon
Added on : Monday November 18th 2013 09:00:05 AM
g: 2 Posted By: EffortLess
Views: 312 Replies: 3 http://www.amazon.com/gp/offer-listing/B008ABOJKS/ref=dp_olp_all_mbc?ie=UTF8&condition=all

I bought one of these used units on Amazon for $141 after shipping and it arrived 3 days later. It looks new other than the open seal on the box. I updated the firmware from Asus' siteand I absolutely love this router. It's fast and has tons of features, great reception, and doesn't reboot when I'm downloading torrents.

The listing changes frequently and they seem to sell quick.

Edit:
Look at "more buying choices" on the bottom right and click "117used&newfrom$135.00".
Routers Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 210 Replies: 0 http://www.claimjumper.com/giftcard.aspx

December 24, 2013, buy a $50 gift card and receive a $10 Reward Card good to use in the New Year!

http://www.landrysinc.com/giftcards/terms.aspHoliday Reward CardsTier 1 Reward Card Promotion for restaurant locations: Aquarium Restaurant's, Babin's Seafood House, Bubba Gump Shrimp Co., Cadillac Bar, Capi's Italian Grill, Claim Jumper, Crab House, Fish Tales, Fisherman's Wharf, Flying Dutchman, Harlow's, Landry's Corporate Card, Landry's Seafood, Lighthouse Buffet, Mai Tai Bar, Rainforest Cafe, Red Sushi, Saltgrass Steakhouse, T-Rex, Yak & Yeti.From November 11 until December 24, 2013, buy a $50 gift card and receive a $10 Reward Card good to use in the New Year!

Reward cards valid January 2, 2014 through February 12, 2014
Reward cards valid at participating Landry's, Inc. locations in the United States
Gift cards purchased through the store locations will be provided Reward Card at the store location.
Gift cards or eGift Cards purchased online will be sent Reward Card to purchaser's email via eReward Card within five business days of gift card purchase.
Gift cards may be purchased in any denomination (e.g. five $10 gift cards, two $25 gift cards, etc.) to qualify for the Reward Card.
This promotion is not valid for gift card purchases of $500 or more.
Offer valid while supplies last.

TERMS AND CONDITIONS THAT APPLY: This is a "REWARD" issued by Landry's, Inc. (Landry's) that can be used ONCE and only towards the purchase of two or more adult entres at any Landry's restaurant; only one Card can be redeemed per visit per table. It cannot be redeemed for alcoholic beverages, gratuity, merchandise, gift cards or happy hour. REWARD ABSOLUTELY EXPIRES ON 2/12/2014. Presentation and surrender of this Card is required. The Card has no cash value. Except as required by law, the Card cannot be redeemed for cash in any jurisdiction, including the State of New Jersey, and will not be replaced if lost, stolen, altered or damaged. It cannot be used with any other offers or discounts of any kind and loyalty club points will not be earned. Landry's shall not be responsible for any unauthorized use. If your purchase is less than the value on the Card, any remaining balance will be forfeited. If your purchase exceeds the funds available on the Card, you must pay the difference at the time of purchase. Internet distribution or resale is prohibited. For more information, visit www.landrysinc.com or call 1-800-5-LANDRY (552-6379).*Promotion is valid only for gift cards with the Tier 1 restaurant location branded gift card including Corporate and Upload-Your-Own-Photo faceplates.Tier 2 Reward Card Promotion for restaurant locations: Brenner's Steakhouse, Chart House, Grotto, Heathman Restaurant, La Griglia, M&S Grill, McCormick & Kuleto's, McCormick & Schmick's Seafood & Steaks, McCormick's Fish House, Muer, Oceanaire, Peohe's, Simms Steakhouse, Spengers, Trevi, Vic & Anthony's Steakhouse, Willie G's Seafood and Steaks, Rusty Pelican.From November 11 until December 24, 2013, buy a $100 gift card and receive a $20 Reward Card good to use in the New Year!

Reward cards valid January 2, 2014 through February 12, 2014
Reward cards valid at participating Landry's, Inc. locations in the United States
Gift cards purchased through the store locations will be provided Reward Card at the store location.
Gift cards or eGift Cards purchased online will be sent Reward Card to purchaser's email via eReward Card within five business days of gift card purchase.
Gift cards may be purchased in any denomination (e.g. ten $10 gift cards, four $25 gift cards, etc.) to qualify for the Reward Card.
This promotion is not valid for gift card purchases of $500 or more.
Offer valid while supplies last.

TERMS AND CONDITIONS THAT APPLY: This is a "REWARD" issued by Landry's, Inc. (Landry's) that can be used ONCE and only towards the purchase of two or more adult entres at any Landry's restaurant; only one Card can be redeemed per visit per table. It cannot be redeemed for alcoholic beverages, gratuity, merchandise, gift cards or happy hour. REWARD ABSOLUTELY EXPIRES ON 2/12/2014. Presentation and surrender of this Card is required. The Card has no cash value. Except as required by law, the Card cannot be redeemed for cash in any jurisdiction, including the State of New Jersey, and will not be replaced if lost, stolen, altered or damaged. It cannot be used with any other offers or discounts of any kind and loyalty club points will not be earned. Landry's shall not be responsible for any unauthorized use. If your purchase is less than the value on the Card, any remaining balance will be forfeited. If your purchase exceeds the funds available on the Card, you must pay the difference at the time of purchase. Internet distribution or resale is prohibited. For more information, visit www.landrysinc.com or call 1-800-5-LANDRY (552-6379).*Promotion is valid only for gift cards with the Tier 2 restaurant location branded gift cards. Not valid for multi-brand corporate card or Upload-Your-Own-Photo gift cards.Tier 3 Reward Card Promotion for Morton's SteakhouseFrom October 1 until December 24, 2013, buy a $100 Morton's gift card and receive a $20 Morton's Reward Card good to use in the New Year!

Reward cards valid January 2, 2014 through February 12, 2014
Reward cards valid at participating Morton's locations in the United States
Gift cards purchased through the store locations will be provided Reward Card at the store location.
Gift cards or eGift Cards purchased online will be sent Reward Card to purchaser's email via eReward Card within five business days of gift card purchase.
Gift cards may be purchased in any denomination (e.g. ten $10 gift cards, four $25 gift cards, etc.) to qualify for the Reward Card.
This promotion is not valid for gift card purchases of $500 or more.
Offer valid while supplies last.

Complete terms & conditions:
TERMS AND CONDITIONS THAT APPLY: This is a "REWARD" issued by Landry's, Inc. (Landry's) that can be used ONCE and only towards the purchase of two or more adult entres at any Morton's restaurant; only two Cards can be redeemed per visit per table. It cannot be redeemed for alcoholic beverages, gratuity, merchandise, gift cards or happy hour. REWARD ABSOLUTELY EXPIRES ON 2/12/2014. Presentation and surrender of this Card is required. The Card has no cash value. Except as required by law, the Card cannot be redeemed for cash in any jurisdiction, including the State of New Jersey, and will not be replaced if lost, stolen, altered or damaged. It cannot be used with any other offers or discounts of any kind and loyalty club points will not be earned. Landry's shall not be responsible for any unauthorized use. If your purchase is less than the value on the Card, any remaining balance will be forfeited. If your purchase exceeds the funds available on the Card, you must pay the difference at the time of purchase. Internet distribution or resale is prohibited. For more information, visit www.landrysinc.com or call 1-800-5-LANDRY (552-6379).*Promotion is valid only for gift cards with the Morton's branded gift card. Not valid for multi-brand corporate card or Upload-Your-Own-Photo gift cards.
Restaurants & Entertainment Deals
Zoomer Robot Dog with Bonus Hoodie - $79.97 w/ FS @ Walmart
Added on : Wednesday November 13th 2013 05:00:04 PM
g: 0 Posted By: Virgil27
Views: 226 Replies: 0 Zoomer Robot Dog with Bonus Hoodie - $79.97 w/ FS @ Walmart

Why are you even reading this? It's a robot dog with a hoodie.Is there anything more awesome than a pet whose only problems are batteries and rust? There's absolutely no down side (except the impending Machine Revolution). But other than that, this Zoomer Robot Dog is $25 off the next lowest price plus Free Shipping (did I mention itsa robot dog in a hoodie?)

FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Toys Deals

Walmart Coupons
g: 0 Posted By: tedhawkins
Views: 161 Replies: 0 ELCAN DigitalHunter Day/Night Digital Riflescope (was $1359 -Massive Closeout Discount) $799 + Free shipping

http://www.gearhog.com/?did=67028


Deal Overview
FEATURES

* Manufacturer Closeout 60 day warranty
* Day / Night Mode
* Electronic Ballistics Compensation
* Automatic Video Capture
* Four Field Selectable Reticles
* Customizable Reticles

Please Note that this is Manufacturer Closeout - covered by 60 day warranty.

The ELCAN DigitalHunter Day/Night Digital Riflescope (DHDN) is the world's first digital Day / Night riflescope priced under $1400. Same great riflescope as DigitalHunter with an added LOW LIGHT mode.

The Low Light mode displays all the available visible light and the near infrared light (that you can't see but the scope can see) enabling great low light performance right up to 30 minutes before & after civil twilight. Utilizing the near infrared means more light is available to the scope for brighter imagery in low light scenarios.

After dark, active night vision enables mostly covert surveillance and varmint hunting (where legal). The effective range of the active night vision depends on the power and power density of the IR Flashlight.

A variety of infrared flashlights can be used to enable the active night vision. It is also focusable to a spot for more effective range. With two of these IR Flashlights mounted to your firearm, identification ranges of up to 50 yards or perhaps farther in absolute darkness is achievable. A very effective flashlight mount for most firearms is the AIM Famous Maker Tri-rail Mount Riser.
Fine Print


Guns & Ammo Deals
g: 5 Posted By: MISTERCHEAP
Views: 2535 Replies: 10 http://www.walmart.com/ip/AbsolutelyNew-Reindeer-Auto-Outfit-with-Bonus-5-Walmart-Gift-Card/30949043
Tools & Automotive Deals

Walmart Coupons
g: 2 Posted By: MISTERCHEAP
Views: 899 Replies: 1 http://www.walmart.com/ip/AbsolutelyNew-Reindeer-Auto-Outfit-wit...
Tools & Automotive Deals

Walmart Coupons
g: 0 Posted By: MISTERCHEAP
Views: 65 Replies: 0 http://www.walmart.com/ip/AbsolutelyNew-Reindeer-Auto-Outfit-with-Bonus-5-Walmart-Gift-Card/30949043
Tools & Automotive Deals

Walmart Coupons
g: -2 Posted By: mxmaniac
Views: 142 Replies: 5 Just looking for some opinions. We know there are a lot of very corrupt people in power, who are able to use their money and power to influence and change many things in their favor, and halt things against there favor. They have to have their money invested somewhere. So do you think there are stocks out there that will always have great gains, and never fail because those in power will absolutely control them?

Or perhaps stocks rooted too deeply in the government that will never fail or loose major value, because if they were struggling, the government would simply print more money, or else provide a bailout.

I'm sort of torn on this subject, as I find this sort of corruption unethical, and supporting it would be an atrocity. However on the other hand, since it does exist, and there is no stopping it, perhaps piggy backing off of it is the only way to avoid being run over by it.


Investing Deals
g: 3 Posted By: fivetalents
Views: 2313 Replies: 14 Sam's Club Holiday VIP Event 7-9pm on Sunday November 24th (Idaho and Utah 7-9am on Saturday November 23rd)
www.samsclub.com/sams/pagedetails/content.jsp?pageName=vip


Some deals include:
- iPhone 5c 96 with 2 year contract (carrier not specified)
- Samsung Galaxy S4 96 with 2 year contract (carrier not specified)
- Royal 12 page shredder $39.88 (handles credit cards and stapIes)
- McAfee Internet Security 2014 $7.98
- Rubbermaid 36 piece containers with Easy Find Lids $9.98
- Vizio 70" Class Razor LED Smart TV (minimum 10 per club) $998


ETA: this deal may be YMMV. According to cnIsfg, "Last year when they did this same event you needed a invitation either via the post card mailer or an email invite and yes they enforced that criteria to get in." However, as noted by Eryeal: "the website page in the OP, there is absolutely no mention of invitation only - either on the page or in the fine print. Leads me to believe this is open to the public, or a major snafu." Confirmation needed on whether they will use the same invite only model this year.
Cell Phones Deals

Sams Club Coupons
Free Matcha tea sample - Caramel flavored for November
Added on : Thursday October 31st 2013 02:00:07 AM
g: 3 Posted By: remick
Views: 190 Replies: 1 http://www.redleaftea.com/free-matcha-en/

That's right!!! Absolutely FREE Matcha for you to try.We are so confident that you will love it, that the first one is on us.
Each month - different flavor.
No gimmicks, no requirements, no hoops to jump thru.
We even pay for shipping.
Your cost - $0
Limit one per customer, per month.
USA customers only.
Free Samples Deals
8" Jolly Ball at Costco B&M for $7.00 (was $15) YMMV
Added on : Monday October 28th 2013 01:00:07 PM
g: 1 Posted By: stephanie1107
Views: 394 Replies: 1 ↵Costco is clearing out their 8" Jolly Balls for $7 (normally $15). Excellent reviews on Amazon! My dog absolutely LOVES this ball (better than any other toy I buy him).

Resists deflations
Eliminates boredom
Reduces Stress
No air needed to inflate


NOTE: this is for large dogs only (German Shepards/labs and larger or small ponies/horses).


Pets Deals
lots of NBA Swingman Jerseys on sale right now at Amazon!
Added on : Monday October 28th 2013 09:00:16 AM
g: 0 Posted By: easycom
Views: 218 Replies: 0 was doing some early xmas shopping today and stumbled on a bunch of Swingman jerseys on Amazon at ridiculous prices (sub $35) and free shipping with Amazon Prime. this is an absolute steal, and with the NBA season right around the corner i thought maybe my fellow SDers and Redditors would like to take advantage to upgrade their wardrobe today i bought two of the Blake Griffin's and one DRose.

NOTE: sizes are limited!

the search is really messed up for some reason, so just go to one of the jerseys I post here below and then look at the other items that come up as being related. if you guys find anymore please share!

http://www.amazon.com/Angeles-Clippers-Winter-Swingman-Griffin/d...

http://www.amazon.com/dp/B003ZHVMAW/

http://www.amazon.com/dp/B008G4F7PA/

http://www.amazon.com/dp/B0087G9A9G/ref=nosim/?

http://www.amazon.com/Angeles-Lakers-Swingman-Jersey-Medium/dp/B...



EDIT: ADDING MORE JERSEYS FOUND BY OTHERS TO THE FRONT OF THIS POST


http://www.amazon.com/Oklahoma-Thunder-Durant-Swingman-Jersey/dp...

http://www.amazon.com/Dallas-Mavericks-Nowitzki-Swingman-Jersey/...

http://www.amazon.com/Knicks-Swingman-Jersey-Carmelo-Anthony/dp/...

http://www.amazon.com/Knicks-White-Swingman-Jersey-Stoudemire/dp...


MAKE SURE TO ONLY BUY THE JERSEYS THAT ARE BEING SOLD BY Amazon! these will have the little prime logo next to it and state that they are being sold by Amazon. If you purchase through a third party you run the risk of not only getting fake gear, but also not being able to return it!


Clothing Deals

Amazon Coupons
g: 0 Posted By: easycom
Views: 161 Replies: 0 After upgrading Mavericks, it turned out that my trial versions of Aperture and iWork 09 were automatically upgraded to the most current version.

You can download an Aperture Trial from here: http://appldnld.apple.com.edgesuite.net/content.info.apple.com/Aperture/061-8056.20100429.GbgPR/Aperture3.0.3Trial.dmg

You must have a valid Aperture Trial serial number from an earlier install/e-mail, or whatever, you guys can figure that part out - I did. Once installed, visit the App store and choose to update.

You can download iWork 09 trial from softpedia.com. Just install it and visit the App Store and choose to update.

When all's said and done, you'll have $80.00 Aperture (free) - iWork apps ($60) free.

That's $140 dollars software for absolutely free.
Software Deals

Apple Store Coupons
g: 0 Posted By: badsister
Views: 70 Replies: 0 I've been calling around trying to find a 0% BT with 0% fee, and there's absolutely nothing aside from Chase Slate.

I decided to give Barclay's a call, even though I havent used their NFL card in over a year...and they offered me 0% thru December 2014 with a 1% BT fee.

My husband and sister also have this card, but the offer was not available to them, so YMMV.

If interested, call customer service at 866.421.8004.

FYI: BT takes 7-10 business days to process.
Credit Deals
g: 5 Posted By: archena
Views: 1715 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 83 Replies: 0 http://www.amazon.com/Stairway-Awesomeness-Fundamental-Living-ebook/dp/B00EEH3CTQ/

5.0 out of 5 stars with 20 reviews

Being a happy, positive person and living a life of awesomeness is a choice. In the face of adversity, it isnt always easy to make, but it is a necessary choice if you want to live life to the absolute fullest.

Written and illustrated with infinite wisdom and an original comic twist, Stairway to Awesomeness is the ultimate 30-step self-improvement guide that will make you want to change your life forever and encourage others to do the same.

Comic Strip Mama cartoonist and writer, Tanya Masse, shares her tragedy-to-triumph life story with the world and proves that no matter what adversity you are faced with, as long as you have a shred of sanity left, you CAN rise above and BE AWESOME!

Comic Strip Mama shows you how to:
CHANGE your way of thinking about certain things you have been conditioned to believe
STOP taking life SO SERIOUSLY
Focus on the POSITIVE lessons
Recognize the BLESSINGS
Find the HUMOR in everything. Yes, even tragic things!

Now make your choice, and start climbing the Stairway to Awesomeness!
Totally Free Deals
Dream Vacation Destination
Added on : Monday October 21st 2013 05:00:17 AM
g: 0 Posted By: Ank329
Views: 33 Replies: 0 If you could take a one week trip to anywhere in the world, where would you go, and why?

To start things off, I'd want to go to the Seychelles and stay at the Banyan Tree there. I've been to the Puket Banyan Tree and it isabsolutelyamazing.
Discussion Deals
Free Sample of Cheese Thinables (similar to Cheez-it)
Added on : Monday October 21st 2013 01:00:04 AM
g: 1 Posted By: pghphil
Views: 81 Replies: 1 Thinables

Are you intrigued by our low-calorie, high-fiber products, but worried they're not going to be as tasty and delicious as we promise? Then worry no more. Simply fill out the form below, and we'll send you a sample of our Cheese Thinables, absolutely FREE. We're so confident you're going to love them and be hooked for life that we're willing to put our money where our mouth is. No shipping charge either! Limit one sample per household.

Continental USA only.

Free Samples Deals
FREE Kindle Book - Bouncing Back: The Life of Bill Bartmann was $8.50
Added on : Friday October 18th 2013 06:00:07 PM
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
GameInsider digital edition is now free
Added on : Saturday October 12th 2013 11:00:04 AM
g: 0 Posted By: pcmanastic
Views: 0 Replies: 0 I believe GameInsider magazine used to cost$10.95 US per year. Now their Website announces:

Now absolutely FREE for an annual subscription of (8) in-depth gaming issues, you will haveGAMEINSIDERdelivered right to your inbox. This way, the hottest gaming news, previews, reviews and hardcore video game glory will literally be at your fingertips from any mobile device.

http://game-insider.com/subscribe/

Subscription sign-up asks for user name, password, name and email address. Then, they send an email verification to that address that you must confirm. No credit card required.Easy.

GameInsider claims the digital edition is viewable on mobile device and desktop Web browsers.




g: 0 Posted By: CowbellMaster
Views: 1 Replies: 0 First, a rant - I know several friends/family that subscribe to the theory of government savings plans through high withholdings. When filling out their federal and state payroll withholding forms, it's "0" all the way, so their paychecks are ravaged but come April they get this "awesome huge refund." No matter how much I try to explain that this is a 0% loan they're giving to their government, they love getting their annual 'bonus'. When my state had a funding issue and delayed refunds until the budget was straightened out, I tried to explain that not only were they get no interest on their 'investment' but as was just demonstrated, there is risk associated with these entities holding their money for them. Still no dice.

So anyways, at least I do what I can to minimize withholdings to the absolute minimum. I do this by roughly calculating my taxable income throughout the year, taking into account large deductions like property, school and state taxes, tax advantaged account contributions (401k, traditional ira, HSA), and various large credits. My primary goals are two-fold:

1) Make sure I pay as close to 90% of my expected tax liability via paycheck withholding (or 100% of last year's liability, if that is lower). I don't mind paying on 4/15, as long as it's not penalized, as that way it's a 0% loan to ME, from the government.
2) Try to adjust my taxable income to slide in under a relatively higher bracket. For me, I try to avoid the 25% bracket, meaning my taxable income for this year should optimally be under $72,500.

Every year around this time I try to gauge my trajectory and make adjustments as necessary. This time around, my taxable income is well into the $80k's (some slight early-year miscalculations on my part) so I've maxed out our HSA 401K contributions to get that level back down. I also miscalculated some credits I thought we were privy to, so I've added an additional few hundred dollars in withholding per paycheck to get me caught up. Luckily, I have enough emergency fund dry powder to get me through the next couple months which will feature extremely anemic paychecks. As every dollar I earn over $72,500 is culled by 25%, I believe it's a worthwhile exercise, even if it comes with some temporary discomfort.

I would like to hear other FWF strategies to zero in on financially optimal withholding? What do you do when unexpected or unaccounted-for income comes in, to keep you on track for that sweet spot of 90% of liability? I'm thinking of setting up a spreadsheet, with expected income to the dollar, and adjust it, and our withholdings, as necessary throughout the year. The goal is to prevent scrambling for major course adjustments at the end of the year.













g: 8 Posted By: archena
Views: 2417 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Essential Natural Uses Of....SUPER FOODS Collection 1 (Herbal Homemade Remedies and Recipes) [Kindle Edition] was $9.99

Ben Raines (Author)

http://www.amazon.com/dp/B00EPF5NK8

Publication Date: August 21, 2013


#2 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic > Naturopathy

#2 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > Naturopathy

The Ultimate Collections Of Superfoods To Add To Your Diet!


A collection of 5 of the best Super Foods to add to any diet. Easily available and essential for everyone interested in health, maintaining a healthy weight and benefiting from some of natures best kept secrets to reach optimum fitness.

Essential Natural Uses Of....SUPER FOODS COLLECTION 1 Is The Book For You#


Black Seed The Uncrowned KING Of SUPER FOODS


The known uses include: Acne, Colds and flu, Lethargy, Nervous tension, Tired legs muscles, Backache, arthritis, bruises, and rheumatism, High blood pressure, Stomach problems, Diarrhea, Hair loss, Headache, Earache, Intestinal parasites, Colic (babies), Sinusitis, Skin fungus, Stimulate menstrual period, Lowers blood sugar, Stimulates energy and helps in recovery from fatigue, Several Cancers, Treats flatulence, Hemorrhoids, Constipation, Insomnia


Apple Cider Vinegar Has Been Known As An Elixir Of Health For Thousands Of Years!

If the only time you are using apple cider vinegar is on a salad or on a portion of French-fries then you are missing out BIG time. This little acidic amber elixir is a veritable powerhouse of goodness and we're talking Major League Fountain of Health stuff.

Chia Seeds - The Seed That Has Built Empires

Chia seeds have been used for literally eons by some of the greatest and most powerful nations to ever walk the planet the Mayan and Aztec as a staple part of their diet. It is still a staple in many parts of South America to this day.



Lemons - Possibly The Best Fruit On The Planet and Nature's 'Go To' Super Cure


Let's be clear about this; Lemons are a incredible fruit. Absolutely amazing by any standards. They are packed with an intricate combination of vitamin C, citric acid, flavonoids, B-complex vitamins, calcium, copper, iron, magnesium, phosphorus, potassium, and fibre. The precise balance and content of this potent cocktail of nutrients make lemon one of the superheroes of nature.


Coconut Oil The Engine Fuel of Life!

We can use almost everything related to coconuts for something beneficial (skin, flesh, milk) but when it comes to the oil derived from it, that when things go from beneficial to AMAZING.



Key Sections of the Book

◦ The Medical Research Supporting The Benefits of Super Foods


◦ Amazing Benefits of Using SUPER FOODS Internally Recipes, Weight-Loss, Remedies + More


◦ Over 150 Recipes, Remedies, How-To Guides & Essential Information on How To Use SUPER FOODS To Super-Charge Your Well-Being
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g: -2 Posted By: VivYip
Views: 165 Replies: 0 credit techbargains

Newegg (via dealgenius) has this item for $16 with free shipping

Duracell 32 (AA) + 8 (AAA) Copper Top Alkaline Batteries
A nice assortment of popular sized batteries. Comes in bulk packaging. These carry an expiration lasting until 2018/2019.

it's a fair price if a person absolutely needs the batteries right now and do not want any hassles. If a person can wait, I would suggest getting batteries around november, when Staples and possibly other office supply stores have these batteries free after rewards.

Thanks for reading.
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g: 0 Posted By: VivYip
Views: 161 Replies: 0 credit techbargains

bigdeals via eBay has this item for $29.99 with free shipping

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Thank you for reading
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FREE Kindle Book - Essential Natural Uses Of....SUPER FOODS was $9.99
Added on : Wednesday October 02nd 2013 02:00:05 PM
g: 2 Posted By: archena
Views: 285 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Essential Natural Uses Of....SUPER FOODS Collection 1 (Herbal Homemade Remedies and Recipes) [Kindle Edition] was $9.99

Ben Raines (Author)

http://www.amazon.com/dp/B00EPF5NK8

Publication Date: August 21, 2013


#2 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic > Naturopathy

#2 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > Naturopathy

The Ultimate Collections Of Superfoods To Add To Your Diet!


A collection of 5 of the best Super Foods to add to any diet. Easily available and essential for everyone interested in health, maintaining a healthy weight and benefiting from some of natures best kept secrets to reach optimum fitness.

Essential Natural Uses Of....SUPER FOODS COLLECTION 1 Is The Book For You#


Black Seed The Uncrowned KING Of SUPER FOODS


The known uses include: Acne, Colds and flu, Lethargy, Nervous tension, Tired legs muscles, Backache, arthritis, bruises, and rheumatism, High blood pressure, Stomach problems, Diarrhea, Hair loss, Headache, Earache, Intestinal parasites, Colic (babies), Sinusitis, Skin fungus, Stimulate menstrual period, Lowers blood sugar, Stimulates energy and helps in recovery from fatigue, Several Cancers, Treats flatulence, Hemorrhoids, Constipation, Insomnia


Apple Cider Vinegar Has Been Known As An Elixir Of Health For Thousands Of Years!

If the only time you are using apple cider vinegar is on a salad or on a portion of French-fries then you are missing out BIG time. This little acidic amber elixir is a veritable powerhouse of goodness and we're talking Major League Fountain of Health stuff.

Chia Seeds - The Seed That Has Built Empires

Chia seeds have been used for literally eons by some of the greatest and most powerful nations to ever walk the planet the Mayan and Aztec as a staple part of their diet. It is still a staple in many parts of South America to this day.



Lemons - Possibly The Best Fruit On The Planet and Nature's 'Go To' Super Cure


Let's be clear about this; Lemons are a incredible fruit. Absolutely amazing by any standards. They are packed with an intricate combination of vitamin C, citric acid, flavonoids, B-complex vitamins, calcium, copper, iron, magnesium, phosphorus, potassium, and fibre. The precise balance and content of this potent cocktail of nutrients make lemon one of the superheroes of nature.


Coconut Oil The Engine Fuel of Life!

We can use almost everything related to coconuts for something beneficial (skin, flesh, milk) but when it comes to the oil derived from it, that when things go from beneficial to AMAZING.



Key Sections of the Book

◦ The Medical Research Supporting The Benefits of Super Foods


◦ Amazing Benefits of Using SUPER FOODS Internally Recipes, Weight-Loss, Remedies + More


◦ Over 150 Recipes, Remedies, How-To Guides & Essential Information on How To Use SUPER FOODS To Super-Charge Your Well-Being
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g: 1 Posted By: remick
Views: 247 Replies: 0 http://www.amazon.com/dp/B00BHVQV1S/

Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. Weston reveals why most "conventional wisdom" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. You might even wind up in bankruptcy -- just what you're trying to avoid! For most people, it's smarter to control and manage debt effectively. In this extensively updated guide, Weston shows how to do that. You'll learn which debts can actually help build wealth over time, and which are simply toxic. You'll find up-to-date, real-world strategies for assessing and paying off debt, money-saving insights on which debts to tackle first, and Crucial information about everything from debt consolidation loans to credit scores and credit counseling. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. If you've ever worried about debt, you'll find the new edition of Deal with Your Debt absolutely indispensable.
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g: 0 Posted By: cvrev
Views: 166 Replies: 0 LINKBOOK for iPad mini | WIFI Signal Enhancing Folio | Denim Black
Here is the link to Amazon

The regular price is $64.95 and you can save 23% with free shipping.

Here are the specifications from the Absolute Technology websiteESCRIPTIONesigned for those on the go, working, playing, watching a video or FaceTiming: LINKBOOK for iPad mini is a multi-function folio case that enhances the WIFI signal,protects the device and offers you different viewing/typing positions with a stylish finish.Ready to go: the EMW element is already installed in its active position. Enjoy the signal enhancement the moment you put the iPad mini into your LINKBOOK.Textile touch for a sophisticated look and feel: wrapped in heavy-duty woven fabric and lined with microfiber, LINKBOOK is durable on the outside and soft on the inside.Take your iPad mini anywhere with style.FEATURES:3 different positions for viewing and typing.Magnetic wake / sleep.Easy access to ports and buttons.Fiber cloth to protect the screen (engraved with signature pattern).Elastic band for tight closure.SPECS:Length: 225mmThickness: 142mmWidth: 15mmWeight: 226gCase Material: PCFolio material:Denim \ PU \ Nylon \ Rubber
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g: 0 Posted By: ChiefBrody
Views: 25 Replies: 0 Not that I need it er um...But this stuff is like $150 without insurance. Must take voucher to doctor. He writes script. You take voucher and script to pharmacy.

BaBaBlinko

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g: 0 Posted By: Ayla
Views: 313 Replies: 0 I AM ENCLOSING A FEW LINKS, FOR THEY MIGHT GET SOLD OUT AT THE FIRST ONE, IF ENOUGH ARE PURCHASED
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Expatriating to Switzerland
Added on : Tuesday September 24th 2013 10:00:05 AM
g: 1 Posted By: nasheedb
Views: 203 Replies: 16 Little bit of background first. My gf is finishing up her PhD and will likely graduate early next year. In her field, it is very common, almost expected, to do a couple of years of post-doc after graduation. When we started dating, she always said that she wanted to do her post-doc in Europe because it would help her career tremendously. I've always been firm in wanting to stay in the US since I'm pretty well established here, I have a good paying job in a niche industry and I own a house.

In August my gf had a conference in Switzerland that she attended. I went with her the FWF way, paid for the flight with miles and stayed in her hotel room that her school paid for. The week before we left, I was browsing some forums when I came across a job posting in Switzerland, a job that I was qualified for. I sent the link to her just to show her what I found. I was never planning on applying, but she strongly encouraged me to do so and I did. I figured I had nothing to lose. The company was very interested in talking to me and they setup an interview for the following week. I met with them on a Tuesday, and the interview went very well, in fact they asked me to come back for a follow-up interview two days later. After the second interview they explained to me what's going on. They're very interested in me, I'm the perfect candidate for the position, however, I am a US Citizen. Since the IRS strong-armed their banks into turning over tax cheats, they don't like Americans very much. In fact, for every job opening they have, they have to first recruit in Switzerland, then the EU before they can even consider an American. The government will not approve work visas for Americans unless it is an absolute necessity. Fast forward a month and I receive a job offer.

The details:
Age: 26
Current Salary: low 100s. No bonus, no compensation for overtime, nothing extra. I'll be very lucky if I get a 3% raise next year.
Benefits: 2 weeks vacation, 1 week sick, 9 paid holidays, 4% match on 401(k) if you max it out
Job conditions: Terrible. There are 4 of us on the team who do the same thing as me. I have about 10 years experience with this product (yeah, I really started working in this industry at 16) and not to be tooting my own horn, but I'm an expert at what I do. There are 3 others on the team, and their experience ranges from literally fresh out of training to 3 years with the product. The guy who has the 3 years experience should be able to do a lot, but he's the most incompetent person that I've ever had to work with. Because of the inexperience/incompetence on the team, very basic changes need to be made in the middle of the night and I have a lot of changes to make. I am up very late at least once a week, sometimes more. I also put in a lot of time on the weekends, sometimes I even work 20+ hours in a single weekend. All this extra work I receive absolutely no compensation for. Additionally, the company as a whole is doing really badly, we're losing clients, laying off employees, etc. Things are bad now, but they will only get worse. There is a very real chance that I will get laid off in the next 12 months, especially if the others on the team gain more experience as they probably make a lot less than I do. I'm on-call 24/7.

The offer:
Base salary: $115k when converted to USD
Bonus: 15% or a little over $17k if 100% of targets are met (not quite sure what the targets will be)
Sign-on bonus: $5.5k for relocation assistance and they provide an apartment for a month while I get my own apartment
Benefits: 5 weeks vacation, pension contribution (I think around 4.5% of salary), overtime pay (or additional time off, but I'd take the money) for anything over 45 hours/week and the Swiss don't have "Exempt" classifications, company paid accident insurance (global), $100/week extra every week that you're on-call
Job conditions: employees are much more expensive to the company since they have to pay them more and they can't abuse them and treat them like slaves. That means that they're only hiring the best of the best, employees who can get a lot done in a short amount of time. All my coworkers would all be very smart (this was apparent in the interview), I wouldn't be constantly banging my head against the desk about what a stupid mistake someone made. The Swiss also have a very good work ethic, they don't browse Facebook, Youtube, FWF etc while they're at work. When you're at work, you're expected to work. There would also be an on-call rotation.

Pros:

I get to try something new and exciting. I've lived in Texas for almost 5 years now. Texas will still be here even if I go overseas for 3 years. If I don't take this chance, I will always feel like I missed out because later on I will likely not be able to do something like this. It's just a lot harder when you have kids.
I get to see all of Europe in 3 years. Switzerland is in the dead center of Europe. Travel is really easy, you have all the cheap carriers like RyanAir and you have an awesome train system.
I'll get to visit extended family more often. My grandparents (as well as aunts, uncles, cousins, etc)live in Eastern Europe. My grandparents aren't going to live forever...
Money. Yeah, I'll be making a little bit more money, but honestly it will be a wash because living in Switzerland is very expensive. Where the money really makes a huge difference will be with my gf. Pretty much all post-docs in the US pay $40-45k/year independent of location (basically no COL adjustment). In Switzerland, she would make $90-100k/year as a post-doc. If we lived together in Switzerland, that would certainly cut down on my living expenses.
Savings: My goal would be to save up $100k cash while living in Switzerland, probably 3 years. This would come from lower standard of living, going from a 3000 sq ft house to a 1 bedroom apartment, going from 2 cars to a bicycle.
Side income: If I quit my job, there is a very high chance that I'll get extra 1099 work from them at least in the short term, until they find someone to replace me. I work remotely now, and my employer doesn't care where I am working from currently. By the time I finish my work in Switzerland, they're just starting the day in the US, so the time-zone difference actually plays in my advantage
Career. While this job itself is essentially a lateral move for me from a responsibility perspective, gaining international experiencewill help my career in the future

Cons:

The unknown
High cost of living. A one-bedroom apartment in the part of Switzerland that I would be about $2000/month. Food is at least twice as expensive as it is in the US. The Swiss are very healthy, all their food is organic and they've banned a bunch of chemicals that we eat every day. This means that you're essentially forced to buy all your groceries at Whole Foods. Any restaurant meal will be at least $30-40 a person.
Lower standard of living. I'd be going from living in a 3000 sq ft house to a 1 bedroom apartment. I'd go from driving everywhere to having to bike and use public transportation, etc.
I get stuck in Switzerland alone ifmy gf isn't able to find a post-doc.
Absentee landlord. I wouldn't sell my house, I'd rent it out. I'd have to deal with the headaches of being an absentee landlord. I'd also probably end up cash-flow negative on the house since my loan is for 10 years.
Miss out on retirement contributions. No 401(k), most likely no Roth IRA either (too much income), but I've already got a pretty good head start on retirement savings, so this isn't that big of a deal. I have close to $200k saved up for retirement already.

My thoughts at this point are that the salary that they're offering me is a little bit on the low side. I'd like to get at least another 10%. They obviously couldn't find someone qualified in Switzerland or the EU, if they could then they wouldn't have made me the offer. I think I can approach this from the angle of "I'm making almost that much today, but in a much lower cost of living area". What are everyone's thoughts? Should I do this or no? How should I handle the salary negotiation?
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g: 0 Posted By: BennyZz
Views: 178 Replies: 0 http://sharewareonsale.com/s/free-avg-internet-security-2014-54-...

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Savings - $55
g: 0 Posted By: blueiedgod
Views: 194 Replies: 0 I haven't shopped diamonds, so I may be rusty, but 1 Ct solitaire for $699 seems like a pretty good deal.

We are not talking multi-carat absolutely flawless diamonds here, but something that an average Joe can afford without having to donate a kidney, or still paying for it well after they are divorced.

Nor something that you have to look at with a magnifying glass, beause it is perfect, but ever so small.


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g: 1 Posted By: archena
Views: 1466 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Teaching Kids to Be Good People: Progressive Parenting for the 21st Century [Kindle Edition] was $9.99

Annie Fox (Author)

http://www.amazon.com/dp/B009P5JEZS

Publication Date: October 3, 2012

Publisher: Electric Eggplant

38 Reviews ★★★★★

#1 inKindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Child Care

Not all teachers are parents, but all parents are teachers. When we teach kids to be good people who possess the social courage to do the right thing, we help to make the world a safer, saner, more accepting place for all of us. Annie Fox, M.Ed.

We live in a time shaped by a viral culture of cruelty. Now and in the future, we desperately need more good people. But where will these young people come from? From the homes of parents with a game plan! In Teaching Kids to Be Good People, Annie Fox has written a very personal, step-by-step guide to teaching your children to make healthy choices (online and off). Because being good is not enough. We have to do good.

This very pragmatic and funny guide includes essays, podcasts, prompts, tools, questions, answers, and self-assessment quizzes, all for the purpose of teaching kids to be good people. Hopefully, youll become so engaged in this process that you will inspire your children to do the right thing when no one's watching, and when everyone is watching.

About the Author

When Annie Fox's first book "People Are Like Lollipops" (Holiday House) was published, she wasn't old enough to legally sign the contract! By the time she turned 21, though, she decided that helping kids would be her life's work. After graduating from Cornell University with a degree in Human Development and Family Studies then completing her Master's in Education, she began exploring ways to use technology to entertain kids while building their emotional intelligence skills.In 1977, Annie and her husband David opened Marin Computer Center, the world's first public access microcomputer facility. Her work there led her to write her best selling book, "Armchair BASIC: An Absolute Beginner's Guide to Microcomputers and Programming in BASIC" (Osborn/McGraw-Hill). After a detour into the world of screen writing, Annie returned to computers as an award-winning writer/designer of children's CD-ROMs. (Putt-Putt; Madeline; Get Ready for School, Charlie Brown; and Mr. Potato Head Saves Veggie Valley are just a few of the titles on which she worked.)At the dawn of the Internet age, Annie dreamed up the idea for The InSite (TheInSite.org), a place "for teens and young adults to turn their world around." She is the creator, co-designer, writer, and executive producer of that award-winning site. One of The InSite's most popular features is Hey Terra, a Cyberspace Dear Abby. Annie's first book for teens, "The Teen Survival Guide to Dating & Relating: Real World Advice About Guys, Girls, Growing Up And Getting Along" (2000, 2005 Free Spirit Publishing), is based on hundreds of emails to Terra and Annie's responses to them. "Teen Survival Guide" is now available as a free PDF download from TeenSurvivalGuide.com."Are You My Friend?" a Read-it-to-Me iBook was written by Annie Fox, illustrated by Eli Noyes and produced by Electric Eggplant. This digital story book for 4-8 year olds is the first of the Raymond and Sheila Series and is now available in print form on Amazon, and as Android apps for Kindle Fire, Nook Tablet, and other Android tablets. The second Raymond and Sheila story "Are We Lost?" will be available in print in 2013. See RaymondAndSheila.com for more info.Annie's other books include: "Too Stressed to Think? A Teen Guide to Staying Sane When Life Makes You CRAZY," co-authored with Ruth Kirschner (Free Spirit Publishing) and the popular 3 book Middle School Confidential series (Free Spirit Publishing). Annie's Middle School Confidential apps (developed by Electric Eggplant) are available for iPad, iPhone, Kindle Fire, Nook Tablet, and other Android tablets (see MiddleSchoolConfidential.com).Through her conference appearances and public events for kids, tweens, teens, parents, and educators, Annie continues working toward her goal of empowering young people through increased emotional intelligence skills, social courage, and stress-reduction strategies. Her new book for parents and teachers, "Teaching Kids To Be Good People," is now available in print and for Kindle (see TeachingKidsToBeGoodPeople.com)Visit Annie at her website, AnnieFox.com
Follow Annie on Twitter: @Annie_Fox
Follow Annie on Facebook: http://www.facebook.com/Annie.Fox.author
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Negotiating appliances upgrade with landlord
Added on : Tuesday September 03rd 2013 01:00:10 PM
g: 0 Posted By: SegaRob
Views: 71 Replies: 5 I recently moved into a new apartment in NYC and noticed the electric bill is much higher. This month came out to $180. After doing some research, I think of lot of this electricity is coming from the old appliances. (The apartment is similar size. I don't think my usage behavior has changed much. This charge per KWH didn't go up significantly from my old place.) The appliances look like they are from the 1980s and apparently modern appliances are much more energy efficient. Optimistically, I'm hoping for about $80 reduction in monthly energy cost or about $1000 over the upcoming year. More conservative estimate is probably $200 to $500. For about $1000, I could buy brand new energy star compliant fridge and dishwasher. So obviously, it's in the landlord's interest to get new appliances for the apartment but they have the common landlord mentality of not spending any money that isn't absolutely necessary. At the same time, it doesn't make sense for me to waste all this money on the electric bill. I think a reasonable offer would be to go 50/50 on the appliances and then landlord can keep new appliances for next tenant. With the energy savings, I might be able to break even or at a loss of a few hundred dollars but have the benefit of new appliances for the next year that I'm there. Does that sound like a reasonable offer? Too generous? When we moved in, we already asked the landlord for a few things and they were really grumpy about it (cleaning the apartment, changing the old dirty blinds, fixing a door that wouldn't close) so I doubt they would accept a greater burden of the cost. TIA
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g: 0 Posted By: archena
Views: 133 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Teaching Kids to Be Good People: Progressive Parenting for the 21st Century [Kindle Edition] was $9.99

Annie Fox (Author)

http://www.amazon.com/dp/B009P5JEZS

Publication Date: October 3, 2012

Publisher: Electric Eggplant

Not all teachers are parents, but all parents are teachers. When we teach kids to be good people who possess the social courage to do the right thing, we help to make the world a safer, saner, more accepting place for all of us. Annie Fox, M.Ed.

We live in a time shaped by a viral culture of cruelty. Now and in the future, we desperately need more good people. But where will these young people come from? From the homes of parents with a game plan! In Teaching Kids to Be Good People, Annie Fox has written a very personal, step-by-step guide to teaching your children to make healthy choices (online and off). Because being good is not enough. We have to do good.

This very pragmatic and funny guide includes essays, podcasts, prompts, tools, questions, answers, and self-assessment quizzes, all for the purpose of teaching kids to be good people. Hopefully, youll become so engaged in this process that you will inspire your children to do the right thing when no one's watching, and when everyone is watching.

About the AuthorWhen Annie Fox's first book "People Are Like Lollipops" (Holiday House) was published, she wasn't old enough to legally sign the contract! By the time she turned 21, though, she decided that helping kids would be her life's work. After graduating from Cornell University with a degree in Human Development and Family Studies then completing her Master's in Education, she began exploring ways to use technology to entertain kids while building their emotional intelligence skills.In 1977, Annie and her husband David opened Marin Computer Center, the world's first public access microcomputer facility. Her work there led her to write her best selling book, "Armchair BASIC: An Absolute Beginner's Guide to Microcomputers and Programming in BASIC" (Osborn/McGraw-Hill). After a detour into the world of screen writing, Annie returned to computers as an award-winning writer/designer of children's CD-ROMs. (Putt-Putt; Madeline; Get Ready for School, Charlie Brown; and Mr. Potato Head Saves Veggie Valley are just a few of the titles on which she worked.)At the dawn of the Internet age, Annie dreamed up the idea for The InSite (TheInSite.org), a place "for teens and young adults to turn their world around." She is the creator, co-designer, writer, and executive producer of that award-winning site. One of The InSite's most popular features is Hey Terra, a Cyberspace Dear Abby. Annie's first book for teens, "The Teen Survival Guide to Dating & Relating: Real World Advice About Guys, Girls, Growing Up And Getting Along" (2000, 2005 Free Spirit Publishing), is based on hundreds of emails to Terra and Annie's responses to them. "Teen Survival Guide" is now available as a free PDF download from TeenSurvivalGuide.com."Are You My Friend?" a Read-it-to-Me iBook was written by Annie Fox, illustrated by Eli Noyes and produced by Electric Eggplant. This digital story book for 4-8 year olds is the first of the Raymond and Sheila Series and is now available in print form on Amazon, and as Android apps for Kindle Fire, Nook Tablet, and other Android tablets. The second Raymond and Sheila story "Are We Lost?" will be available in print in 2013. See RaymondAndSheila.com for more info.Annie's other books include: "Too Stressed to Think? A Teen Guide to Staying Sane When Life Makes You CRAZY," co-authored with Ruth Kirschner (Free Spirit Publishing) and the popular 3 book Middle School Confidential series (Free Spirit Publishing). Annie's Middle School Confidential apps (developed by Electric Eggplant) are available for iPad, iPhone, Kindle Fire, Nook Tablet, and other Android tablets (see MiddleSchoolConfidential.com).Through her conference appearances and public events for kids, tweens, teens, parents, and educators, Annie continues working toward her goal of empowering young people through increased emotional intelligence skills, social courage, and stress-reduction strategies. Her new book for parents and teachers, "Teaching Kids To Be Good People," is now available in print and for Kindle (see TeachingKidsToBeGoodPeople.com)Visit Annie at her website, AnnieFox.com
Follow Annie on Twitter: @Annie_Fox
Follow Annie on Facebook: http://www.facebook.com/Annie.Fox.author
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"Unsafe lane change" ticket-HELP!!
Added on : Sunday September 01st 2013 07:00:09 AM
g: 0 Posted By: stagesiren7
Views: 231 Replies: 22 Okay, so last night I got this completely bullshit ticket for an "unsafe lane change." This was shortly after leaving a light and the cop was behind me. I had my phone in my hand- I was not texting, I was trying to play a song and I was using the "voice-to-text" feature to pull it up. I glanced down for maybe a second and apparently swerved. The cop pulled me over-did not ask if I knew why he stopped me-only if I had been drinking and when I said "No, sir." He said "Well, are you aware that you nearly side-swiped me with your car? I mean was it because you were texting? I don't usually pull people over for texting because we have bigger fish to fry but that was pretty dangerous." I told him that I was not, in fact, texting and what I actually had been doing-so then he tested my eyes to confirm I was not drunk and then asked me to get back in the car. After taking down my information and talking with the other cop who showed up for about 15 minutes, he said "Try to be more careful, alright? You're not a very good multi-tasker are you?" -I felt his tone was demeaning when he said this- I told him that I actually was, and he said "Well, not when you were driving-don't have your phone in your hand when you're driving because you're not a very good driver in that case." I said "I do apologize." I thought, no way in HELL is he going to give me a ticket-and then he does, and says "You got a ticket for not driving in your lane." I was shocked, speechless. I had absolutely no idea what to say.

In retrospect I feel like I could have appealed to him and gotten him to change his mind and let me off with a warning. He asked if I had any questions, and I said no-he indicated my court date and left. Which of course will have to get changed because I have school during that time. There is no fine written or indicated anywhere on the ticket. This is just absolutely UNbelievable. I feel like the only real reason he gave it to me was to help meet his quota. I was with a friend who got pulled over several years ago for swerving and she was not given a ticket. I have been with TWO friends at two different times who were driving drunk, or at least one was very drunk and the other had a sufficient amount of alcohol in her system-she was driving the wrong way in a turning lane- and THEY DID NOT GET SHIT. It would be me that gets ticketed. That is my life. By the time I got home I was absolutely hysterical. I couldn't stop crying. The issue itself is, obviously, mundane but the principle is what's really getting to me. It's so ridiculously absurd and completely unfair. I'm a university student who is also starting a brand new job- I should not have to deal with this. Already I have lost sleep over it.

So, my question is how exactly do I approach this? I really feel like it should just be dismissed but I don't know what the chances of that are. What do I say in court? What the hell do I do?? I was googling advice and I saw an article that said "Write to the officer and see if he will dismiss the ticket." And then another one that said "Try to delay your court hearing as much as possible because the officer is more likely to forget the details." It's already not until the end of the month-but like I said I will have to change it because I have school. I really don't know what the best course of action is here. I am just so angry and upset and I hate that goddamn asshole cop. I do have a lot of respect for cops that do their job properly-not this one. The cop's tone the entire time was not even serious-it was almost like "I can't believe I'm not only 1. Wasting everyone's time doing this but 2. Issuing a ticket for it. Holy shit this is embarrassing." (yes I really need to vent here.) I was driving home late (about 1:30 am), my speed was clocked at 15 and there was almost no other traffic on the road (certainly none where we were) and obviously they were looking for drunk drivers but I was the best they could do because they are absolutely pathetic. I really need advice here, please help.
g: 0 Posted By: lovelybones
Views: 405 Replies: 0 LINKY

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g: 0 Posted By: lovelybones
Views: 118 Replies: 0 LINKY

Features:

Contains EMW (Electro Magnetic Waveguide) which is the latest signal-enhancing technology
Resonates with your mobile device's antenna to provide seriously improved WiFi signal performance.
360 degree reception
Double protection: durable polycarbonate on the back; shock absorbent rubber shields the screen.
Multi-layered and non-slip leather coating to provide a smooth and soft touch.
Additional EMW Element included
Available in Coal Black, Ash Gray, Frost White, Chili Red and Pastel Blue



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Giveaway of the Day - Easy Drive Data Recovery 3.0 (was $59.95)
Added on : Tuesday August 27th 2013 04:00:15 AM
g: 0 Posted By: remick
Views: 126 Replies: 0 Windows 2000, XP, Server 2003, Vista, Server 2008 and 7; Supported languages: English, Russian, French, Portuguese, Spanish, Italian, German

System Requirements: Windows 2000, XP, Server 2003, Vista, Server 2008 and 7
Supported languages: English, Russian, French, Portuguese, Spanish, Italian, German

Easy Drive Data Recovery is a supreme and mighty data recovery application that has a remarkable ability of restoring files in situations that may seem absolutely hopeless, like accidentally formatting a hard drive or having a drive corrupted because of a nasty virus or someones clumsy hands. While looking simple and undemanding, its powerful enough to restore files that arent even present in the file system.The program uses Raw Search, a special algorithm that enables finding files of almost a 100 formats. Reinstalling an operating system is no longer an obstacle on the way to successful data recovery the program can deal with files that have been erased and deleted. It also doesnt matter how large the hard drive is, even if its enormous, the search wont take long, thanks to the built-in optimized search engines.
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FREE Book - The Constitution: It's the OS for the US [Kindle Edition]
Added on : Saturday August 24th 2013 06:00:05 PM
g: 0 Posted By: snocrsh
Views: 26 Replies: 0 Free through end of August 25

Link to Book on Amazon

Description:

Have you struggled to really understand how our government is meant to work under the Constitution? Is it hard for you to explain to your kids? Do you want to really understand the Constitution, but find that books about it are too focused on how politics plays out today or too focused on legalese for a non-lawyer to follow? Have you ever wondered why certain things were included? Then this is the book for you!

This doesn't discuss any current events - that isn't what it's about. It uses history to explain why things may have been included in the U.S. Constitution. The Constitutional Convention deliberately kept very limited records of their proceedings, making it hard to say absolutely why things were written.

How is the Constitution like a computer? The President has veto power, which is like the firewall on a computer that can block something from ever entering the system. Just as you (or an administrator on a larger system) can over-rule the firewall and let something that may (or may not) be dangerous in, Congress can over-rule a Presidential Veto and allow that vetoed bill to become a law. The Judiciary, especially the Supreme Court, are like a virus protection program that warns you when something dangerous has entered the system and then works to remove it. Just as the two computer programs perform different but similar functions, the Presidential Veto and Supreme Court perform different functions.

Don't worry if you don't know a lot about computer Operating Systems (OSs). The computer concepts are explained too.
Books & Magazines Deals
Amazon FREE eBooks for Kindle (repost, edited link)
Added on : Tuesday August 20th 2013 09:00:15 AM
g: 0 Posted By: jaarons
Views: 62 Replies: 0 I found this on another Deal site, apologies for the formatting:


Free For Now Kindle Books - Posted on 8-20 with most expiration dates and genreOne, Two ... He is coming for you (Rebekka Franck #1) by Willow Rose
Ends 8/23
Genre Mysteries

http://www.amazon.com/One-coming-...B004WPP8YW

30 reviews, 4 of 5 stars

Publication Date: April 14, 2011
INTERNATIONAL BESTSELLER!

NEW EDITED VERSION.
Another serious page-turner from Scandinavian Mystery Fiction.
Once you start One, Two ... He is coming for you - there is absolutely no turning back.

Book Description:
Set in the Danish coastal town of Karrebaeksminde, journalist Rebekka Franck returns to her hometown with her six year old daughter. She is trying to escape her ex-husband and starting a new life for her and her daughter, when the small sleepy town experiences a murder. One of the kingdoms wealthiest men is brutally murdered in his summer residence in Karrebaeksminde. While Rebekka Franck and her punk photographer Sune try to cover the story for the local newspaper another murder happens on a high society rich man. Now Rebekka Franck realizes that the drowsy little kingdom of Denmark has gotten its first serial killer and soon a series of dark secrets - long buried but not forgotten - will see the day of light.
One, Two ... He is coming for you is the first book in Willow Rose's mystery-series about the reporter Rebekka Franck and her photographer Sune. The second book is called Three, Four ... Better lock your door.
This ebook also includes an excerpt from Willow Rose's newly released shortstory Rock-A-Bye Baby.











The Teacher's Billionaire (The Sherbrookes of Newport Book 1) by Christina Tetreault
Ends 8/20
Genre Romance

http://www.amazon.com/Teachers-Bi...B007M8VCCS

409 reviews, 4 of 5 stars

Publication Date: March 18, 2012
Callie Taylor's life is turned upside down when she learns the truth about her birth following the death of her mother. Not only is her father alive, but he's none other than presidential candidate Senator Warren Sherbrooke.

Billionaire and confirmed bachelor, Dylan Talbot, is devoted to his family. When his stepfather Warren Sherbrooke receives a letter from a past love telling him they have a daughter together, Dylan is instantly suspicious. In order to keep the media vultures away and protect Warren's political aspirations, Dylan convinces Warren to let him handle the situation.

As Callie and Dylan spend time together, they can't resist the feelings that blossom between them. However, when Callie learns the real reason he has been spending time with her their fledgling romance is put in jeopardy and only complete honesty can save it.

This is a Contemporary Romance.

AN EDITED VERSION OF THIS BOOK WAS UPLOADED. HOWEVER, IT IS POSSIBLE THAT SOME READERS PURCHASED THE BOOK PRIOR TO THAT EVENT.


Some of the authors favorite lines:

I'm not sure. Maybe that is how you Englishman say hello to your friends. I've never been to England, Callie teased as she moved her hands to his shoulders. I might need more convincing, she said her voice all business.

There's no place I'd rather stay especially if it means more of your apple cinnamon pancakes for breakfast. Preferably served to me in bed by you completely naked, but I'm flexible.

Sounds like a challenge to me. One I look forward to undertaking.









Chasing the Lost (The Green Beret Series) by Bob Mayer
Ends 8/24
Genre Thrillers

http://www.amazon.com/Chasing-Gre...B00CFADU3

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.











Eternity Base by Bob Mayer and Steven Cooper
Ends ???
Genre Thrillers

http://www.amazon.com/Eternity-Ba...29&sr=1-41

19 reviews, 4.5 of 5 stars

Publication Date: January 21, 2012
From the NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

Maverick federal employee Sammy Pintella, obsessed with uncovering the fate of her MIA father, makes a startling discovery while rifling through some inactive government files. A dozen, faded black and white photos seem to point to the existence of a secret US Military base built in the frozen wastelands of Antarctica during the height of the Cold War.

Aided by Special Forces veteran Dave Riley, she heads for Antarctica. But they arent alone. Spies, North Koreans and other shadowy forces are also en route, because deep inside Eternity Base is something people will go to extreme lengths to get: a cache of nuclear warheads.


A federal employee intent upon discovering the truth about her missing in action father stumbles upon a closely-held secret about an Antarctic military base - a base illegally constructed and which has been kept a secret by a serious of murders. When she and her reporter sister fly to the base for an in-depth probe, murder begins to stalk them in this tense novel. Unlike most military stories this will appeal to general audiences as a fine thriller. Highly recommended, indeed. -- Midwest Book Review

The Green Beret Series:
Eyes of the Hammer
Dragon Sim-13
Synbat
Cut Out
Eternity Base
Z

And Introducing Horace Chase in:
Chasing the Ghost
Chasing the Lost









Chasing the Lost: The Green Beret Series, Book 3 by Bob Mayer and Jeffrey Kafer
Ends ???
Genre Thrillers

http://www.amazon.com/Chasing-Los...29&sr=1-44

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.









The Highlander's Hope by Cali MacKay
Ends ???
Genre Contemporary & Historical Romance

http://www.amazon.com/The-Highlan...00A3M

270 reviews, 4 of 5 stars

Publication Date: November 7, 2012
When Dr. Catriona Ross discovers clues to a long lost highland treasure, her only hope of finding the jewels is to obtain the help of Scotland's most eligible bachelor and playboy, Iain MacCraigh.

Iain can't believe his luck when he finds out the jewels are hidden away somewhere on his land-- and it doesn't hurt that the historian looking for them has curves to go with her smarts. With his brother betting the family fortune, this is the life line he desperately needs.

The odds are against them, and with word getting out about the jewels, they're not the only ones on the hunt. Time's running out, but can they learn to trust each other, or will they lose the jewels and true love in the process?

* This is Book One in the series. *









Amelia's Story by D.G Torrens
Ends 8/21
Genre Bios & Memoirs

http://www.amazon.com/Amelias-sto...B0063PR97

165 reviews, 4 of 5 stars

Publication Date: November 4, 2011
A life of pain and rejection.
This is a powerful true story of one young girls struggle to survive the state care system in the 70's and 80's. Amelia has just one wish, to make it to adulthood, to hold her destiny in her own hands. This is a harrowing true story, one of survival and human strength. Amelia has been separated from all her siblings never to see them again for many years, she is moved from one children's home to another, until finally it's just too much for her to bear. Amelia starts to wonder about the peace and finality of her own death.








Evan Burl and the Falling by Justin Blaney
Ends ???
Genre Fantasy

http://www.amazon.com/Evan-Burl-F...B0090WXO16

87 reviews, 4.5 of 5 stars

Publication Date: May 20, 2013
Discover #1 bestselling novel, Evan Burl and the Falling
My father abandoned me when I was an infant.
My friends have turned against me.
My uncle beats me.
The most powerful men in the world want me dead.
They all have one thing in common.
They think I'm turning into a monster.

I'm starting to worry they're right.

An excerpt from Evan Burl and the Falling
I found myself in a kingdom of stars and clouds. Endless. Deadly. And blue as blood.

Stretching without blemish from one side of the world to the other, the sky was perfect but for one single black speck.

If anyone was watching, they might have wondered whether I was merely napping on a pillow of thin air.

But it was nothing so pleasant.

This was a falling.

For what felt like hours, the whole world seemed frozen below me. Except for the wind, everything was silent. It seemed as if I could stay up there forever. It was beautiful really, whenever I managed for a few moments together to ignore the fact that I was hurtling toward the ground at about 214 miles-per-hour.

I didn't really even feel sick to my stomach.

Until the last thirty seconds.

First, the rolling mountains and hills, which always seemed so solid and unshakable, lumbered toward me like hulking bullies begging for a fight.

Then houses and barns. They popped out of the ground, like grasping hands from a fresh grave. Pulling me down. Into the earth, where I belong.

Ten seconds later, what seemed like a bit of lint stuck to my eyelash transformed into a living human. Then more. Dozens, hundreds of people. Working, eating, anything but looking up to see me plummeting through the sky like a shooting star.

Another ten seconds--far too soon--and the whole world was rushing up at a speed that turned my stomach to acid.

It was the last hundred feet that really tested what I was made of.

Gasping one last lung full of air, I realized in that moment that I was far less brave and far more foolish than I could possibly have imagined.

And right before the end, I closed my eyes.

Because no one can watch a falling.

Praise for Evan Burl and the Falling
"Amazing!" -- Melissa Williard

"The best fantasy book I've ever read" -- Mitsy Princell

"I want more! It just isn't right that's over. Evan Burl is every bit as good as the top YA fiction out there right now, in my opinion, better. The characters are brilliant, each story line is captivating, the content is complex and unpredictable, and I am intrigued to read more." -- Bethany Canfield

"I'll never view a clear, blue sky the same! This book took ahold of my imagination and guided me through the forgotten hallways and secret rooms I've always dreamed of finding. A fantastic story about the burden of knowing one's destiny, and desperately trying to avoid it." -- Eric Nienaber

"Wickedly complex villains so entertaining and terrifying they'll get under your skin and never let go. Evan Burl's world will fascinate you, creep you out and leave you begging for more." -- Mary Weber

"This eerie world and amazing cast of characters grabbed my heart from the first page and never let go. I can honestly say I would do anything to get an advance copy of Evan Burl's next chapter." -- Natalie Medina

"I'm hooked. So many threads of greatness, I can't wait to see how the series ends." -- Annie Biondi

"Justin Blaney creates a wonderful world of intrigue, mischief, and magic that comes alive through vivid storytelling. This is a struggle of good and evil at its finest ... it will have your mind on edge as you race to the end." -- Kari Skinner

"I read Evan Burl and the Falling when I was supposed to be working on my homework. That should speak for itself, it was a fantastic distraction from reality." -- Jessie Crowthe









The Soulmate Experience: A Practical Guide to Creating Extraordinary Relationships by Mali Apple & Joe Dunn
Ends 8/21
Genre Religious & Inspirational

http://www.amazon.com/Soulmate-Ex...004Y5OJUY/

119 reviews, 4.5 of 5 stars

Publication Date: April 26, 2011
2012 International Book Awards Gold Medal Winner in the "Relationships" category
2012 Living Now Awards Silver Medal Winner in the "Relationships/Marriage" category

Create the Love of Your Life--Keep the Life in Your Love

Single, in a relationship, or married: people of all walks of life and all ages are finding this new book on enlightened relationships inspiring, accessible, and truly transformational. This revolutionary guide will help you create and sustain a relationship that is intimately connected on all levels--emotional, intellectual, sexual, and spiritual--and a continual source of love, inspiration, and joy.

In Part 1, chapters like "Loving Your Body," "Reducing Your Baggage," and "Raising Your Soulmate Potential" will help you release anything that might be preventing you from experiencing a deeply connected relationship. As you read, you will quickly begin to feel more loving and compassionate toward yourself, more connected to those around you, and more confident about and creating your own soulmate experience.

In Part 2, chapters such as "Creating a Context," "Turning Expectations into Invitations," "Transforming the Energy of Jealousy," "Exploring the Edges," and "Connecting on a Soul Level" will give you everything you need to approach even the most challenging aspects of relationships in ways that will actually deepen your experience of love and intimacy. You will discover the secrets to keeping the love, passion, and connection in your relationship fully alive--every single day. And you will learn how to lovingly guide each other to release limiting beliefs, heal the past, rise above perceived limitations, and unlock the potential in every area of your lives.

Whether you're on a quest for your soulmate, looking for deeper connection in the relationship you have right now, or just want to experience much more love in your life, the ground-breaking ideas in this book--and the many stories of real people putting them into practice--will fill you with love, inspiration, and possibility. Because The Soulmate Experience isn't just a book. It's a great way of living life.

About the Authors
Mali Apple and Joe Dunn host the very popular community "The Soulmate Experience" on Facebook. They have dedicated their relationship to discovering how to create magical relationships and keep the magic in any relationship alive. Their greatest joy is inspiring others to bring more of the soulmate experience into all their relationships.







The Pursuit of Happiness: 21 Spiritual Rules to Success by Jennifer O'Neill
Ends 8/21
Genre Advice & How-To

http://www.amazon.com/The-Pursuit...007RG

91 reviews, 4 of 5 stars

Publication Date: April 3, 2012
What do most people desire in life? It is not money, it is not even love, it is happiness!

Praise for The Pursuit of Happiness: 21 Spiritual Rules To Success:
One of the best inspirational books I have read in a long time. -- Aulani
These tools help shift your thinking, commit to your dreams and show you anything is possible -- Linda H.
If I find myself in a slump or needing motivation, it's a great resource to get me back on track. It really gave me a sense of peace and clarity -- Annette
The author uses personal example as a means of getting her message across, as well as provides exercises at the end of Spiritual Rules to assist the reader in better accomplishing their personal goals. Her key insights, into different situations, really hit home for me. -- Lamanda A. Nance
The Book:
Learn how unnecessary negativity in your life can be avoided.
Discover how to shift negative thinking into positive thinking.
A positive attitude will change your life, keeping a positive attitude
can be easier then you think when following these simple rules.
Everyone is searching for happiness. This book is a mini-course outlining 21
spiritual rules to finding success when you are in "The Pursuit of
Happiness." The book was designed with a specific purpose, as a guide to
help you tap into your natural ability to be happy. Everyone has the
ability to find happiness in his or her life, yet sometimes you need a
road map. "The Pursuit of Happiness" is your spiritual road map.
Buy a copy and learn to enjoy the journey!









Goddess Legacy: Goddess Series Book 1 (Young Adult / New Adult Series) by M.W. Muse
Ends ???
Genre Romance

http://www.amazon.com/Goddess-Leg...B00B9DN2Z

88 reviews, 4 of 5 stars

Publication Date: January 31, 2013
**An updated file was loaded April 23, 2013, to fix grammatical and conversion issues with the initial book file**

Legacy Kore is an average seventeen year old with your basic insane crush on the hottest guy in school... rather Adin Shepard was the hottest guy in school before he graduated a couple of weeks ago. Now it's summer vacation and she's not sure when she'll get to see him again. Until he shows up at her surprise seventeenth birthday party. Cue saliva glands--it's time to drool.

But her giddiness is cut short when her guardian delivers an emotional blow, telling Legacy her mother hadn't died when she was baby, but that she'd left for Legacy's protection all those years ago. After the initial shock, she expects some story about how her mother was in the Witness Protection Program or something else just as crazy, but when she's told that her mother is a Greek Goddess and that Legacy is changing into one too, she thinks her guardian needs a trip to a mental hospital. Legacy a goddess? Um, yeah. Right. And her BFF is the Easter Bunny.

While trying to make sense out of something that was impossible to believe, Adin asks Legacy out on a date. She is thrilled that her fantasy might become a reality, but when she meets the new guy in town, River, she discovers everything isn't always as it seems, and the legacy she wants just might not be the legacy she is destined to have.

Order of Goddess Series:
Goddess Legacy
Goddess Secret
Goddess Sacrifice
Goddess Revenge
Goddess Bared
Goddess Bound (Releases Early June 2013)
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g: 0 Posted By: muumuu
Views: 181 Replies: 1 Silver Streak $5
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Other choices w/ limited stockClosing down and clearing stock. Switched to their T2 Elites a few years ago when Pearl Izumi gloves were giving me numb fingers and had no problems since. Unfortunately that one's only available in hot pink now unless you can fit into a XS. No experience w/ the silver streak but the general padding design seems to resemble the rest of their road cycling glove lineup. YMMV in terms of comfort, some people swear by them and others say it's absolute garbage. T2s do leak black dye onto your hands like crazy after use.
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g: 0 Posted By: harisund
Views: 215 Replies: 10 Here's the backstory -
Lived in Riverstone Ranch apartments in Austin, TX for around 15 months starting March 2012 through June 2013. Had to relocate in the middle of my second 9 month lease to Illinois , company picked up lease buy out fee. Paid all my dues (pro-rated rent/sewage & other apartment-billed utilities), turned in all my keys, everything went clean. Paid a refundable deposit of $600 and another $50 for keys when I moved in. Upon move out, I was informed of the following
-> A post move inspection would be completed shortly. (I couldn't stay back, had to relocate. So I wasn't physically present for the post-move inspection)
-> I would be refunded the $50 for the keys through a check in the mail
-> Out of the refundable deposit, some amount would be held for repairs. The remaining would be mailed through a check, along with a bill listing what the repairs were and how much was being held out of the deposit
-> I could expect all of the above within 30 daysI called a couple of times between day 1 and day 30 of my move out, they said the inspection had not yet been done but I could expect the refund by 30 days. Now it has been more than 30 days and still no refund. Every single time I call, I am informed that the supervising manager who is in charge of these things is currently not in office as he/she is out touring the property and that he/she will give me a call upon returning. I receive no call, I call back and am told the exact same thing. It has been more than 30 days now. I have received absolutely no notification from them whatsoever that the post-move inspection has been completed, let alone refund has been mailed. $650 is a pretty huge amount !! Any suggestions on how I should proceed?
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g: 0 Posted By: johncampbellastic
Views: 2 Replies: 0 I was looking for a guitar as I am going to start lessons and come across this deal on Amazon that looks to be an absolute bargain! Anyway, thought I'd share...http://www.amazon.com/Fender-Starcaster-Hardshell-Instructional-...
g: 0 Posted By: pokerplyer
Views: 0 Replies: 0 My father received treatment at a hospital earlier this year that required surgery and a week long stay at the hospital. About a month later, he received explanation of benefits statements from his insurance company stating that the entire surgery and hospital stay would not be covered due to the hospital failing to obtain prior authorization. The insurance company told me that it would be willing to review the claims and cover them under a process known as retroactive authorization (where the hospital would submit clinical paperwork for review).I contacted the doctor's office to find out what went wrong, and his assistant (who I believe was supposed to have obtained the prior authorization in the first place) had no idea what was going on and pointed her finger at someone called the surgery scheduler as being responsible for obtaining prior authorization. Of course, the surgery scheduler also had no idea what was going on. At this point, I was more concerned about obtaining the retroactive authorization, and the assistant eventually introduced me to a financial counselor who would be able to straighten things out.I sent the financial counselor the explanation of benefits statements after explaining to her how to start the process of obtaining retroactive authorization. The financial counselor told me that it would typically take 30 days to complete the process. When I first heard this, I thought it was strange as a customer service representative from the insurance company told me that the process typically took around a week after receiving the paperwork, but I didn't question it as I assumed she was busy and thus was quoting me a generous timeframe.Fast forward a month later, and I email her asking her for a status update on the retroactive authorization process. She informs me that she would contact the business office (has anyone working in healthcare ever heard of this term) and get back with me. Several days later, she still has not responded back, and I thought about writing this on Fatwallet Finance to ask for advice but decided to email her one more time. This time, she responds and tells me that she has provided the business office with the copies of my father's explanation of benefits statements and that I should contact her in 30 days to check again on the status. I find this reply absolutely appalling because it implies that she has done nothing in the past month to resolve this issue. In fact, her wording suggests that she only started working on the retroactive authorization process after I emailed her for the status update. The other problem is that my father has already received the hospital bill for one of the claims that the insurance company was not willing to cover. According to the bill, he is responsible for the portion the insurance company did not cover. I'm not entirely familiar on how much time you have to pay a medical bill, but I don't want my father to be stuck with a 6 figure bill that the insurance company would have paid if someone at the hospital had not dropped the ball in the first place. Based on everything that has happened so far, I am very worried that this will eventually happen. What is the best course of action to take here? At this point, I honestly do not think the employees at this hospital will get this straightened out without my constant intervention, and I don't see why it is so difficult for them to accomplish a simple task. I need to get the ball rolling. For those who have had a similar experience:1) Am I speaking with the wrong person? Should I be speaking with another person to get the ball rolling? For example, should I contact the hospital's CEO and request his assistance or is there a specialized department that can help me?
2) I haven't replied to her response yet, and I strongly feel that I need to challenge the financial counselor on why nothing was seemingly accomplished/why the process will take so long when the insurance company itself quotes a much shorter timeframe.
3) Is there a way to delay the hospital bills until the insurance issue has been resolved?Thank you for reading my lengthy post, and I would appreciate any help/advice.
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Emotional Genius: Exceptional Emotional Intelligence In Reach for Everyone with the Language of Emotions [Kindle Edition] was $9.97Scot Conway (Author) http://www.amazon.com/dp/B00832FUZCPublication Date: May 1, 201220 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Mental Health > EmotionsGenius-level Emotional Intelligence is now in reach for YOU. By reading this book, you will have more insight into emotion than 98% of people! Whether you seek Emotional Genius for business, leadership, relational or personal reasons, this gets you there NOW.You're asking, He seems like hes angry all the time; what does that mean?Or maybe, Why do I feel so hopeless?Perhaps, Do I have to live with this guilt my whole life?Possibly, I know what I should do, but Im afraid. How do I deal with that?Maybe your questions are about managers, team members, or clients. Maybe your questions are about friends, family or yourself!The big question behind them all: What do I DO?Fear, anger, hopelessness, guilt, doubt, overwhelm, and more. You want to know what to do about it. Maybe youve wondered, What does it say about me? What you really need to know is What is it saying something TO me?Happiness, Confidence, Love, Gratitude and more. These you want more often. You want to know how to get it, how to keep it, and how to get back there any time you want. Is there a way?Yes, there absolutely is. You will know exactly how.Dr. Conway has the answer. Its a simple secret that makes high level Emotional Intelligence and emotional self-control available for you. One simple secret, and suddenly it all makes sense.Conway became an expert on Emotional Intelligence in the trenches of talking down violent men from rioting and saving people from the brink of suicide. With life and limb literally on the line, he was either right, or someone was going to get hurt. He was right. Rarely is any man given the opportunity to have his ideas tested and proven so right so many times for so long.His idea is brilliant in its simplicity: Emotions are a Language. Thats the big secret. Now you know. You know the big secret and you haven't even read the book, yet.He teaches you about Emotions of Duplication, what they are, how they work, why they work that way, and how you get more of those. It also explains why so many people do the obvious and it too often simply does not work.He tells you all about Emotions of Change. Its even more important to understand these. Why? Because these are the emotions you dont like, and they are there to tell you something must change. If you dont change, youll feel them more than we want. That may already be your experience!If you somehow avoid them without changing something, you miss important things. If you stuff negative emotions, its like seeing a warning light on the dash of your car and solving the problem by putting tape over the light! Theres something there! If you ignore it while its just an emotion, it might show up in other ways maybe with a much higher price to pay!Emotional Genius is packed with answers. Conway provides a very concrete, step-by-step system so you quickly leap from very ordinary levels of Emotional IQ to extraordinary levels of Emotional Genius!Business people, leaders and up-and-coming leaders benefit from understanding whats going on with their clients and key team members. Family members gain incredible insight into whats really going on at home when their spouse or child feels something intensely. And of most immediate importance we understand whats going on inside of us and EXACTLY what to do about it.Answers are right here. If you want to understand emotions, this book is exactly the tool you want. If you need to cut past the emotion to communicate effectively on critical issues, add this book to your library right now. If you want to learn the foundation to gain almost magical insight into whats really going on inside of others, read Emotional Genius.Recommended with Emotional Genius are Dr. Conways books Above It All and Freedom Found.
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g: 0 Posted By: Echo5Zulu
Views: 90 Replies: 5 All,After having read the FAQ and done a diligent search of the forums, I have not found anything that can satisfy a somewhat unique inquiry. That being said, I'll dip my toes in the FW water and see if my diligence was adequate enough (go easy on me!).I'll make this as brief as possible. First time home buyer. I'm a veteran and used my VA home loan to purchase a 170k house. Not having to put anything down (VA guaranteed loan terms) allowed me to not dip in to my emergency / savings accounts, and still have enough capital left to purchase appliances, paint the interior, make the house our "home", etc. After a home inspector gave us a positive report of the home, I was confident that very little work was required on my part with the home. Without going in to the absolutely crazy details, it turns out that this log home has significant log rot, water intrusion, drainage issues, dangerous chimney problems, and black mold infestation. The reason these things weren't detectable by myself was because the previous owner used log chinking to reshape rotted logs on the exterior of the home. On the interior, they installed dry wall over the log rot, mold, and termite damage. The drainage issues appear only after a hard rain. The chimney had a crack, but I was told it was a minor stress crack... turns out it's a thermal crack, rendering the chimney / fireplace useless. The roof leaks, among other things. While much of the damage and problems with the home were concealed intentionally by the previous owner (this is not assumption on my part... I actually found mold treatment products and scraps from the building material used to cover the damage in a locked shed on the property), the insurance claims adjuster told me that there are tell tale signs of issues with the home that the inspector should have caught and annotated in his report (which he didn't).Long story short; I haven't been in the house 2 months (haven't even made my first mortgage payment) and there is no way I can afford the repairs to the home. I've gotten a lawyer (an expensive one), filed a lawsuit, paid the legal fees upfront, and informed the Department of Veterans Affairs. I filed a claim with my lender (who told me to go pound sand), and got estimates for all of the repairs that need to be made to the home. The previous owner is being sued for breach of contract, intent to misrepresent the condition of real estate, and some other legalities. The inspector is being sued for negligence. The lawsuit could take a year. I have my third child on the way... due in 6 weeks. The house is not safe for my family, but the codes office will not condemn it without a positive lab test of the toxic variety of mold (which I cannot afford at the rate of 3 thousand dollars). I have already spent my emergency money and savings trying to make the house at least livable for the duration of the lawsuit, but I'm at the end of my money and there is still about 7 thousand dollars worth of work to be done before the baby gets here. I haven't even begun to purchase baby stuff for the "thirdling" yet. /sigh/Keeping the home is not an option. I cannot bring a baby back from the hospital into these conditions. If I get the things done needed to make the home livable, I will be so far in debt, that much of what I may or may not win in the lawsuit will go just to recouping those losses during this year waiting period. In the meantime, my house will still have giant holes straight through the rotted logs, moist conditions perfect for regrowth of mold, slowly worsening condition of the overall structure, making damages more costly by waiting.Don't get me wrong here... I am all about personal accountability as an investor. I made a contract with my lender, and under normal circumstances, I would hold my self to this obligation come hell or high water out of principle. However, I feel I did my due diligence in ensuring the home was to standard. I had a report from two inspectors / appraisers agreeing with the condition / value of the home. What was done by the previous owner was criminal. The inspector I originally hired was negligent in his job. The lender has told me that they cannot help out unless I legally prove breach of contract (essentially... "go through the lawsuit, then we may or may not help). The VA told me I'm not only out of luck with them, but that I'm screwed out of the VA Home Loan benefit now because the difference between the purchase price and actual value with the damage will come out of any future guarantee I try to get with them (basically, my benefit that I fought in Iraq for... is gone). Nobody wants a piece of this. I'm being told "tough stuff" anywhere I go, and now, I'm thinking my only option is to give the house back to the bank and foreclose on the house. The lender will most likely come after me for the difference in value versus the purchase price, which I will be trying to get out of the previous owner and original home inspector in the lawsuit.Am I missing something here? I've been researching every possible avenue from here, and it looks like I'm just up a creek. I've budgeted for every possible outcome and there is simply no way to keep the home and not pay a ton of money up front without the risk of losing the home anyway (because I cannot afford it). The urgency comes from the house being unsafe, not being able to run the air conditioner (mold in the unit / ducts / basement /etc.) while my pregnant wife and children are in this Southern July heat, and a baby making landing in 6 weeks... with no money left over... period. I'm still active duty military, but just found out I'm being medically discharged. So on a relatively crummy paycheck (compared to what I was making in the civilian world), with potential loss of employment... am I overlooking a way around / out of this? I've researched the laws and contract front to back, top to bottom. My lawyer gets back in town in a few days, but when I approach him with the idea of walking out on the home, I want to be armed with sound FINANCIAL advice so that I can consider the legal stuff and make good decisions based on both aspects of this issue.Please no patronizing or flaming... I'm really looking for any sort of realistic analysis from money smart, experienced folks... and I'm already having a hard enough time with this. Your time in reviewing this ridiculously long post is GREATLY appreciated and of the utmost value to me. Thank you.
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g: 0 Posted By: fatwallet102
Views: 188 Replies: 8 I have not been to the dentist in a few years after my long time dentist retired. I started to have tooth pain in one of my molars and needed to see a dentist. I have Metlife insurance. Made an appointment with a random, general dentist. Got there, told him I was there for a checkup, and that I had some pain in my molar. The dental assistant takes X-rays of my mouth. Dentist comes in, reviews the X-rays and says I need a root canal (expected) and that I had a couple other cavities. He writes me scripts for Amoxicilin and Ibuprofen (which is a waste of money since its not even a prescription drug). Tells me to come back for a root canal. No cleaning, no services performed. Ok, no problem. So far so good. Get into the office and talk to the dental assistant. We set a date to have the root canal done. They then demand $700 from me (I have insurance which pays 80%). I was caught totally off guard. I objected told them to cancel the appointment and mail me a treatment plan (which never came). Said I would call and schedule the root canal.
Now my insurance gets the bill, and I see the dentist billed $386 for this appointment, including $128 for "Emergency relief of dental pain". Outside of prescribing me overpriced Advil, he did absolutely nothing to relieve my dental pain, which was not severe, constant, or an emergency. I called my insurance company to dispute the charge. They did not offer any assistance. I was at work so I didn't push the issue. You folks agree I am getting ripped off here right? What kind of recourse do I have?
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g: 0 Posted By: dmlavigne1
Views: 156 Replies: 4 So many people that preach and post here keep the 3-6 months emergency fund. I have a family member that does the same but for the financially savvy it is an absolute waste. Every time I hear of someone doing this I cringe because they are losing to inflation every year and losing out on stock market returns. I keep enough cash for a month tops. That's it. My effort has allowed me to maximize my investment return on all my funds. This process assumes that you are "good with money" and have decent credit. My strategy is simple, pay down what you owe. Use credit and retirement as your cushion.When I was young and broke, my emergency fund was: Roth IRA contributions, and HELOC. Why keep an emergency fund when you can withdraw Roth contributions without penalty? Why put off putting in your Roth for that perceived safety? Even if the market tanks 50% (worst case) you can still liquidate that and have it in three days. If you don't need it, you get market returns. If it is short term, draw on a HELOC (assuming you own a house with more than 80% ltv), that interest is deductible vs the car loan/cc that is not. Why keep an emergency fund when you have debt that is any percentage points higher than your savings? Honestly, in a worst case catastrophe (medical, being sued, etc) you want your funds in a Roth vs cash because retirement is protected by law. 20-50K cash is a lot easier to go after.Now I get that people do have debt, but it is silly to keep an emergency fund when you have credit. If I have 10K in credit at 9% potential interest and 10K in savings (1%) and 10K in student loans at 6%, why would I not use the funds to pay off the student loans and live paycheck to paycheck for a while while rebuilding my cash (but putting it in investments)? You are "earning" 4% after tax on your 10K monthly. When you have some savings: Stocks/MF's are liquid. I can sell whatever I want and have the money in hand in three days. Aside from a kidnapping this is plenty fast to accomplish anything in the real world. Again if I need cash, use the HELOC (find one with no fees) for the short term and everyone takes CC. I just don't get it, people will chase a 1/4 point on a mortgage @250K or 1/4 point on savings but will leave 50-100K in a savings/MM account earning 1% or less. With say 5% average market returns you are "losing" your entire mortgage interest deduction of 250K after chasing that 1/4 point.Figure with the rule of 7, the 25K that you have in an emergency fund is losing ~20K every 7 years. I'm not saying I do everything right, I paid off a 4.5% mortgage in 2009 for the "peace of mind" when I should have continues to float it on 0% and invest (or keep the 4.5% note and invest), but if you told me to keep the cash in a 1% account, I would rather just keep it under the bed and roll around in it once in a while. Use the tools that our system provides rather than listening to the archaic advice of the simpletons. Using the tools allows you to get ahead faster and cheaper.
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g: 0 Posted By: Wanamakemoolah
Views: 63 Replies: 0 I know that in some or possibly all instances, if you have a business that is incorporated in one state, then that business must register as a foreign entity performing business in another state if it does business there. For example, according to California's government website FAQ:"Do I have to qualify or register a foreign (outofstate or outofcountry) business entity?Before transacting intrastate business in California the business must first qualify/register with the California Secretary of State. (California Corporations Code section 2105, 15909.02, 16959 or 17451.) California Corporations Code sections 191, 15901.02(ai) and 17001(ap) define "transacting intrastate business" as entering into repeated and successive transactions of its business in this state, other than interstate or foreign commerce."I want to do consulting in various states. Do I need to register as a foreign business entity in any of them? I might also want to offer seminars, perhaps two or three days. To have to register as a foreign business entity in each state would be onerous.Based on that California FAQ, it sounds like only intrastate business transactions must do that. So if I was opening a warehouse or a storefront in a state, that would likely be intrastate, but if I'm flying in to give a weekend seminar or do consulting services 4 days a week for a year, that might be interstate and thus unnecessary. I haven't looked at every single state's website regarding this topic, I'm really just hoping this is something I absolutely don't need to do or worry about. I'm concerned if I failed to register as a foreign business, and I was supposed to, that it might open up "piercing the corporate veil" or possibly invalidate professional liability insurance that I've obtained.
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g: 0 Posted By: jarhead6153
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How to get kratomlounge maeng da capsules for FREE.....
Added on : Sunday July 07th 2013 03:00:04 PM
NOTICE TO MODERATORS: THIS POST IS NOT ILLEGAL NOR IMMORAL AND SHOULD NOT BE REMOVED. SINCE YOU DELETED MY POST LAST TIME I CALLED MY ACCOUNT REP AT THE COMPANY AND ASKED IF I NEEDED PERMISISON TO POST THIS METHOD OF GETTING FREE STUFF AND SHE SAID IT WAS ABSOLUTELY FINE, EVEN TOLD ME WHEN I POST TO MENTION WITHIN A FEW DAYS THEY WILL FIX THE MISTAKE BUT WILL BE HONORING ALL THE FREE ORDERS THAT ARE PROCESSED UNTIL THEY GET THE MISTAKE FIXED. NOTHING IS AGAINST THE LAW NOR THE RULES I BELIEVE SO I WOULD APPRECIATE YOU ACCEPTING THIS THIRD POST SO THE MEMBERS OF FW CAN JUDGE IF THIS POST IS RELEVANT OR NOT FOR THE COMMUNITY BY UTILIZING THE RANKING SYSTEM YOU HAVE IN PLACE!!!! I DO THINK IT IS A GREAT DEAL AND WILL BE A VALUE TO THE FATWALLET COMMUNITY!!!!!!!! I just posted about a salvia sale email I got and when I reviewed the post and everything a new idea sparked in me which was the second lucky thing that happened today (ok maybe more than 2) . Anyways ,I won there weekly drawing for free stuff this week and went to the page to fill out the formand there was not any sort of verification or any trackable number i could see that would tell them my email address was the one who won the promo. I will post the attachment of the email I got, plus below is a summary of what I think the best steps are to get the free maeng dakratom capsulesAs of now I think this should work for anyone:1. go to and add the free item to cart: http://www.kratomlounge.com/store/product.php?productid=16320
2. go through the checkout process (shipping is free too, it said for 7 days i believe)
3. receive your maengda kratomcapsules from kratomlounge (i have not got mine yet, but i could notresist posting this as i love when i figure out stuff im not supposed to find )
4. if you dont like them you can mail your extras to me Kratomis some interesting stuff, ifyou are unfamiliar or want to read the condensed version with some good statistics, claims, & information then checkout this site:
http://www.testcountry.com/wiki/kratom.html (yes i know its on a site selling kits to test if someone uses which i hope my employer does not start using, haha, i doubt that will ever happen, but i have read tons about it and this is the best summary i could find that tries to stick to more factual data and away from the bull++++ you see on tv, google news and other major media outlets.
Mind, Time and Power! Using the hidden power of your mind [Kindle Edition]Anthony Hamilton (Author) http://www.amazon.com/dp/B0097TO2MCPublication Date: September 7, 2012Publisher: Hamilton Training Group2 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership"Mind, Time and Power!" describes the new psychology for the 21st century.Traditional psychology is based on a Newtonian paradigm of cause and effect, where the past creates the present. This means that the experiences of our past have created a box within we must live our lives and from which it is difficult to escape.The new paradigm of 'quantum consciousness' is based on the latest discoveries in quantum physics and psychology. It reveals a new model of consciousness in which we find that the human mind is really a kind of time machine, able to gather and process information from both the past and the future and unlimited parallel realities.One aspect of this new view of consciousness is that we each possess a kind of 'future memory'. Our mind works in the future in the same way as it works in the past. What has previously been dismissed as 'day dreaming' and having no value, now is revealed as the most important aspect of our thinking.The true and hidden secret of success is this aspect of consciousness.It only takes a little bit of reflection to reveal that people who are creative and successful are those that use this aspect of consciousness to gather information from possible futures and incorporate this information into their planning and decision making.The simple act of asking ourselves "What if?" reveals that the answers to this question provide us with insights and intuitions which we could have access to in no other way."Mind, Time and Power!" also reveals the true success process.By understanding what your mind is doing when you perform a simply act such as planning a dinner party or a summer vacation you begin to gain insight into the role that this future thinking has on your ability to create, attract and produce more of your goals as physical realities in the present.Instead of your dreams and goals remaining as mere possibilities, they become the seeds of the new physical reality that you enjoy in the here and now each and every day.How would you feel if you knew that you could create your most cherished dreams and goals with absolute certainty?How would it feel to know that what you have considered past mistakes and past problems can be transformed into sources of power which empower you to achieve more of your goals?How would it feel to experience your reality is changing right before your eyes?How would you feel to know, with absolute certainty that the power you need to draw upon to create the life of your choice is within your reach?"Mind Time and Power!" will reveal the secrets of making this vision a reality.
Panasonic TC-L55ET60 55-Inch 1IPS LED HDTV $1099 @ Amazon
Added on : Thursday July 04th 2013 04:00:04 PM
Panasonic TC-L55ET60 55-Inch 1080p 120Hz Smart 3D IPS LED HDTV, sells for $1300 + elsewhere, so you come out ahead even if you have to pay tax. This is the midrange LED TV from Panny, its biggest distinction over the value line being an IPS panel. You also get a 2% Amazon credit with it, for a little extra kick. Unfortunately, it does not qualify for the $100 or $200 credit like the low-end line. Bummer, that would have made it a killer deal.P.S. The Amazon reviews for this are a bit mixed. It is mind boggling that this set gets worse reviews than the TC-L58E60 (which also has a great price on Amazon). I saw them side by side, and there is absolutely no contest, the picture of the IPS panel is so much better in terms of blacks, color richness, and motion fidelity.Linky
Amazon Coupons
La-Z-Boy Outdoor Karson Recliner $279.99 + Shipping @sears.com
Added on : Tuesday July 02nd 2013 04:00:04 PM
http://www.sears.com/shc/s/p_10153_12605_07118146000PApply coupon SEARS35OFF300AFFILIATEDEALS with free store pickup Reg Price: $699.99
Savings: $385.00
Sale: $314.99
Final: $279.99 (with coupon)Product DescriptionThe Karson Recliner from LaZboy Outdoor offers a new spin on outdoor comfort with its clean streamlined design and fresh color palette.Subtle celery green cushions paired with a deep espresso frame make this recliner a feature piece in any outdoor space. The patented LaZboy reclining system has three levels making it simple to sit upright, elevate your legs or fully recline into absolute relaxation. The fresh green cushions and the bright floral toss pillow offer plush support as you recline in style and are easy to clean, weather-resistant fabric. The modern Recliner frame and reclining mechanisms are durable and built to last. So take it for a spin, the Karson Recliner is sure to impress as it demonstrates the fine quality and comfort you expect from LaZboy Outdoor. Includes: 1 Recliner and 1 Lumbar Pillow
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Sears Coupons
new member, 23 intern and trying to figure it out.
Added on : Tuesday July 02nd 2013 01:00:07 PM
Hello guys, I am a new member, love the site already. I have read through a lot of articles and really gained some good stuff. Trying to figure out the best moves to make: I am 23 and intern for a large company with a lot of room to expand.
I just began there and am also doing my MBA.
I have 0 debt at the moment (as I get older, thats going to change big time).
I have 8k liquid, but owe my parents 8k (my dad tells me to take my time and not to worry, obviously I will pay back but with 0 interest and no date- I'll take my time)
I have been paying my MBA out of pocket.
Monthly I take home around $2,500 after state and federal taxes.
I spend $250 on bills and about $600-700 on credit card monthly for gas and food and other stuff. The rest is towards savings. so that leaves me generally around $1,300 savings a month.
I have probably around 1,500 in roth IRA and need to expand on that (company doesn't offer since I am an intern). What would you reccomend here? I can play around some myself, but trust other people more.
I live at home (before you rip on me- I hate rent and why would I pay when ultimately I want to buy). I can't afford that yet and I love it at home and help out at home as well. Houses I would be interested in are probably around 150k.
I have a girlfriend of five years so I am sure somewhere down the line (far hopefully) I will have those new expenses.
How much should I put in to a retirement/savings/etc per month (stupid to leave it in a bank account).
Also, my current credit card I think is horrible I spend on average 5-600$ a month and pay it in full but only get about $55 in rewards yearly. I have had this card since I was 17 or 18One concern is I want a new car, and I have thought about financing it. That way I can gain credit and also take advantage of low rates (I wouldn't spend more than 15). Cars are my absolute passion and I love to drive and do it a lot. I am looking for something more accomodating in the winter and to take it easy on my current car. The problem is I plan to have two (will also save $150 a month in gas and insurance by lowering my current car down to pleasure driving. I own my car (worth around 15k). I know money people would find it stupid, but what do you reccomend?
Can you please direct me, I want to take advantage of my situation while I am in it. Since we know that will all change soon.
Mind, Time and Power! Using the hidden power of your mind [Kindle Edition]Anthony Hamilton (Author) http://www.amazon.com/dp/B0097TO2MCPublication Date: September 7, 2012Publisher: Hamilton Training Group2 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership"Mind, Time and Power!" describes the new psychology for the 21st century.Traditional psychology is based on a Newtonian paradigm of cause and effect, where the past creates the present. This means that the experiences of our past have created a box within we must live our lives and from which it is difficult to escape.The new paradigm of 'quantum consciousness' is based on the latest discoveries in quantum physics and psychology. It reveals a new model of consciousness in which we find that the human mind is really a kind of time machine, able to gather and process information from both the past and the future and unlimited parallel realities.One aspect of this new view of consciousness is that we each possess a kind of 'future memory'. Our mind works in the future in the same way as it works in the past. What has previously been dismissed as 'day dreaming' and having no value, now is revealed as the most important aspect of our thinking.The true and hidden secret of success is this aspect of consciousness.It only takes a little bit of reflection to reveal that people who are creative and successful are those that use this aspect of consciousness to gather information from possible futures and incorporate this information into their planning and decision making.The simple act of asking ourselves "What if?" reveals that the answers to this question provide us with insights and intuitions which we could have access to in no other way."Mind, Time and Power!" also reveals the true success process.By understanding what your mind is doing when you perform a simply act such as planning a dinner party or a summer vacation you begin to gain insight into the role that this future thinking has on your ability to create, attract and produce more of your goals as physical realities in the present.Instead of your dreams and goals remaining as mere possibilities, they become the seeds of the new physical reality that you enjoy in the here and now each and every day.How would you feel if you knew that you could create your most cherished dreams and goals with absolute certainty?How would it feel to know that what you have considered past mistakes and past problems can be transformed into sources of power which empower you to achieve more of your goals?How would it feel to experience your reality is changing right before your eyes?How would you feel to know, with absolute certainty that the power you need to draw upon to create the life of your choice is within your reach?"Mind Time and Power!" will reveal the secrets of making this vision a reality.
Death by China: Confronting the Dragon - A Global Call to Action [Kindle Edition] was $25.99Peter W. Navarro (Author), Greg Autry (Author)
http://www.amazon.com/dp/B004GXB41GPublication Date: May 5, 2011Publisher: Prentice Hall Professional119 Reviews ★★★★

This is the eBook version of the printed book.Bestselling author Peter Navarro (The Coming China Wars) and Greg Autry challenges the dominant paradigm of a "Chinese Miracle" - the one featuring a modernizing, progressive Chinese state heading toward political reform and driving global economic growth with its new found embrace of capitalism and freedom.
Tearing this delusion away, Death by China documents the myriad ways that a powerful, wealthy, and corrupt Chinese Communist Party emboldened by a growing nationalistic frenzy is becoming the biggest threat to global peace, prosperity, and health since Nazi Germany.
From currency manipulation and abusive trade policies, to slave labor and deadly consumer products, China's ruthless rulers threaten the livelihood of the citizens of every developed nation. These thugs have created a frightening amoral society ruled by a constant fear hidden to outsiders and bought off with the ill gotten profits of a myopic quest for economic advantage at any cost - social, environmental, or civil rights concerns be damned. Worse, as with everything else, China is scaling and exporting the model around this world, threatening their neighbors and exploiting developing nations across the globe with a new imperialism.
While America worries that Al Qaeda or Iran may get their hands on a weapon of mass destruction, China is using our Wal-Mart dollars to build them by the score; filling brand new nuclear submarines with missiles aimed at our heartland and building stealth planes designed to obliterate our friends in Japan, Korea, and Taiwan.
America's policy of appeasement and perpetual bending to Beijing's tacit threat to stop funding our unsustainable consumption based economy and deficit addicted government has left the Chinese people and the world in a frightening position while achieving absolutely nothing. With each new attempt at further "engagement" China simply rounds up more artists, writers, and political dissidents into its gulags and continues its policies of virtual genocide against the peoples of Tibet and the Uighars of East Turkestan. It tightens control over media and the Internet and expands its regional, territorial and resource claims. Laughing at our timidity, it becomes ever bolder in executing its plan to shutter every last manufacturing plant in the West.
Meanwhile, Western turncoat CEO's are content with pumping up one more quarterly report by driving every last high-value manufacturing jobs to Guangzhou or Chengdu. Congress is happy to be re-elected with contributions from those same corporations. Together they are happy to leave the rest of us with a future of low paying service and retail "careers" based on selling junk made in China to each other while accumulating a pile of Chinese debt and building a geopolitical time bomb of epic proportions.
For every American, European, Japanese or Korean reader who wonders where his job has gone and worries about the world his children will inherit, Death by China is a must read. The book features an inspiring Forward by Chinese Dissident, Baiqiao Tang and a brilliant Epilog by Congressman Dana Rohrabacher.About the Author
Peter Navarro is a business professor at the University of California Irvine and a CNBC contributor. He is the author of several path-breaking books including The Coming China Wars, The Well-Timed Strategy, and Always a Winner as well as the bestselling investment book If It's Raining in Brazil, Buy Starbucks.
Peter's articles on economics, business, and China have appeared in a wide range of publications, from Business Week, Los Angeles Times, New York Times, and wall street journal to Harvard Business Review, the Sloan Management Review, and the Journal of Business. He is a widely-sought after and gifted public speaker and appears frequently on Bloomberg TV and radio, CNN, CNBC, and NPR, as well as on allthree major network news shows.
Professor Navarro holds a Ph.D in economics from Harvard.
Greg Autry is an entrepreneur, writer, and educator. He has published extensively on business, economics, politics, space and China andassisted Professor Navarro in research and preparation for the revised edition of The Coming China Wars.
Greg holds a BA in history from Cal Poly Pomona and an MBA from the Merage School of Management at UC Irvine. As a lecturer, he's taught business strategy and macroeconomics at Merage where he is currently completing a Ph.D in the area of Economics and Policy. His dissertation is on the evolution of the private commercial space launch industry.
Master Photo Lighting... Hard Light! (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author)http://www.amazon.com/dp/B007S0LTPUPublication Date: April 5, 201260 Reviews ★★★★.5#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > Lighting Revised addition!Here in Volume 7 of the "On Target Photo Training" series we are concerned with hard light and how to shape it to get some pretty stunning results! For most of us, the sun is our primary light source. Unless it is hidden behind a bank of clouds, it is a hard light source. Learning how to work with hard light is vital to our progression as photographers!Once you are comfortable with working and shaping hard light, life gets pretty exciting... you can control your viewers emotions at will. It's when you start putting emotion into your photography that you stop creating "snapshots" and start making "art."Here is the table of contents to show you SOME of what is included...ContentsIntroduction
Ambient Light
Ambient Light Defined
Light Qualities
Hard Light
Hard Light Defined
Light Quality
Control Viewer Emotions
Light Angles Matter
Photo Exercise 1
Light Shaping
Barn Doors
The Snoot
Making Your Light Bigger
Flags, Dots And Fingers
Cookies and Gobos
Photo Exercise 2
Additional Photo TrainingFirst we review some lighting concepts regarding Ambient light. ambient light can be hard or soft and learning to work with it is vital.Hard Light: Then we discuss what hard light is and some of the situations where we might find it being used.Control Viewer Emotions: How hard light is used to elicit and control emotion in our photos.Light Angles Matter: With hard light, the angle of the light is a key consideration. Shoot at the wrong angle and you could create a portrait that will absolutely be hated... and possibly create an enemy for life.Shoot at the right angle and you may see your work on the wall of a gallery someday!Light Shaping - Cookies, Snoots, Flags Fingers & Dots: Do you know what "Flags", "Fingers", "Dots", "Cookies", "Gobos" and "Snoots" are?You will in an hour or so after getting Volume 7 of the "On Target Photo Training" series. Not only will you know what they are, but you will know how and when to use them!Check out this easy to read - illustrated and easy to understand volume. You'll be glad you've added it to your collection!
This is one of the better NAS for homeuse, and creating your own cloud. I own one personally, and absolutely love it.Synology DS212J Diskless System DiskStation (White) @Newegg
Newegg Coupons
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Celebrate Independence day with Goggles4u. With the Specials offered by Goggles4u, we're sure you'd like all eyes on you. We're offering our home-brand frames* collection at No Cost. Other than this, you can buy one pair of glasses and get the second one absolutely FREE. Enjoy the trendiest and stylish collection with 1000s of different styles available. Don't forget to check our Designer collection starting from $39.99 ONLY. More than 50 brand names available including D&G, CK, Laura Ashley, Bebe, Oakley, RayBan, Coach, Wiley-X, Nicole Miller and many more. We are offering a wide selection of frames available for Men, Women and Kids in variety of colors, styles and sizes at best price online.
Hit by uninsured driver, default judgement, how can I collect?
Added on : Monday June 24th 2013 11:00:07 AM
Last year I was hit by an uninsured driver. The case finally went to court a few months ago and a default judgement was entered against her for roughly $3500 plus their license was suspended. $3500 represents my deductible plus the repair charges (paid by my insurance company.) I also had to rent a car which cost an additional $300.I live in Pennsylvania and unfortunately PA is a state where wages cannot be garnished. (I'm not sure this person has a job anyway but that is another story). My insurance company has so far handled everything, used their attorney to represent in county court, etc. which is great, but I am still out of my $800.I was able to search other court records, and it appears this person is a serial deadbeat, not paying other little things such as dog license and parking tickets as well. Last I know, this person is a renter and does not own their home.My insurance company says they are doing all they can to set-up a payment plan with this person, and to try to get some form of payment. However, due to the time involved, they are probably going to "close" the case over the next few months (i.e. stop sending letters demanding payment).For me, this is more about principle than $800. I am absolutely floored someone can get away with this, and get off relatively scott free. What can be done to recover my money owed?Can I hire my own private "debt collector" to hound her for the money? Since her wages cannot be garnished, what about any bank accounts, cars, or other property? Why isn't the sherrif holding a "sherrif sale" to raise the funds with her property? My insurance co. said this would affect her credit rating for either the next 12 or 20 years (depending on state laws) - can anyone verify this?Any suggestions would be most helpful.
Master Photo Lighting... Hard Light! (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author)http://www.amazon.com/dp/B007S0LTPUPublication Date: April 5, 201260 Reviews ★★★★.5Revised addition!Here in Volume 7 of the "On Target Photo Training" series we are concerned with hard light and how to shape it to get some pretty stunning results! For most of us, the sun is our primary light source. Unless it is hidden behind a bank of clouds, it is a hard light source. Learning how to work with hard light is vital to our progression as photographers!Once you are comfortable with working and shaping hard light, life gets pretty exciting... you can control your viewers emotions at will. It's when you start putting emotion into your photography that you stop creating "snapshots" and start making "art."Here is the table of contents to show you SOME of what is included...ContentsIntroduction
Ambient Light
Ambient Light Defined
Light Qualities
Hard Light
Hard Light Defined
Light Quality
Control Viewer Emotions
Light Angles Matter
Photo Exercise 1
Light Shaping
Barn Doors
The Snoot
Making Your Light Bigger
Flags, Dots And Fingers
Cookies and Gobos
Photo Exercise 2
Additional Photo TrainingFirst we review some lighting concepts regarding Ambient light. ambient light can be hard or soft and learning to work with it is vital.Hard Light: Then we discuss what hard light is and some of the situations where we might find it being used.Control Viewer Emotions: How hard light is used to elicit and control emotion in our photos.Light Angles Matter: With hard light, the angle of the light is a key consideration. Shoot at the wrong angle and you could create a portrait that will absolutely be hated... and possibly create an enemy for life.Shoot at the right angle and you may see your work on the wall of a gallery someday!Light Shaping - Cookies, Snoots, Flags Fingers & Dots: Do you know what "Flags", "Fingers", "Dots", "Cookies", "Gobos" and "Snoots" are?You will in an hour or so after getting Volume 7 of the "On Target Photo Training" series. Not only will you know what they are, but you will know how and when to use them!Check out this easy to read - illustrated and easy to understand volume. You'll be glad you've added it to your collection!
Redbox: Rent a movie, get a select game free
Added on : Sunday June 23rd 2013 07:00:05 AM
Redbox: Rent a movie, get a select game freehttp://www.redbox.com/onlinepromo?cid=soc:fb:onlinepromo:6:22:20...Rent one of the following movies from Redbox:Blu-Rays available depending on title.
Side Effects
Beautiful Creatures
The Last Exorcism
Open Road
Quartet
Summoned
Little Bite in the Big City
Fish N Chips
Frankie Go Boom
Horrid Henry the Movie
Snitch
Cloud Atlas
Hansel and Gretel
Oz The Great and Powerful
Escape from Planet Earth
Warm Bodies
Mama
Absolute Deception
Safe Haven
Dark Skies
The Numbers Station
Broken City
Promised Land
Stand Up Guys
Struck By Lightning
Last Stand
Parker
Gangster Squad Get one of the following games free:
Star Trek (PS3/360)
Tomb Raider (PS3/360)
Crysis 3 (PS3/360)
Devil May Cry (360)
Fast and Furious (360)
Madagascar 3 (Wii)
The Croods (Wii)
The Smurfs Dance Party (Wii) Note: The games you get to choose from depend on the availability of the games at the Kiosk you select. If you're targeting a game, you might need to experiment a little. cagmoose OP
3 FREE Atkins Bars, Quick-Start Kit and Recipe Book
Added on : Wednesday June 19th 2013 02:00:06 AM
http://community.atkins.com/Registration.aspx?rc=FreeBars&MCID=R...
https://www.facebook.com/AtkinsDiet/app_297501327045243
*try both links x2The Kit Includes:
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No obligation to buy ANYTHING.
Post Your Requests For Rebating Realtors
Added on : Friday June 14th 2013 12:00:05 PM
Based on an idea in a different thread and then the original was taken down by just cutting it to close to FWF's anti-solicitation rules. So the Mods liked the idea and suggested we modify it from the realtors themselves posting to the buyers posting and allowing the realtors to PM them.
I think the FWF community and the realtors that frequent this site would mutually benefit by having a thread dedicated to finding realtors that are willing to offer substantial commission rebates for essentially *do it yourself* real estate buyers.Basically, from what I can gather trying to capture value as a buyer without a realtor is a bit of a mess for the following reasons:
1) I don't trust the typical Joe Blow seller out there to really financially understand the difference of an offer without a buyers agent(3% less commission) vs. an offer with a buyers agent. Odds are most are just going to accept or reject the same offer with or without a buyers agent commission. So from a behavioral standpoint you likely aren't going to receive any financial benefit without going with a buyers agent. This in essence means that defacto the seller is always paying the commission(even though it shouldn't be that way).
2) To add insult to injury it's quite likely that if you submit an offer that has no buyers agent commission attached to it(thereby preventing the sellers agent from being able to take both sides of the transaction for 6%) the seller's agent may try to scuttle your offer with the seller and there are just enough people who aren't financially bright to potentially fall for that.
3) That leaves basically submitting an offer that assumes 6% commission and then trying to bypass the sellers agent to talk to the sellers themselves to get the buy side removed and split the difference(cut the price afterward by 1.5%). That sounds like a hassle that isn't close to worth it.Therefore, it seems like the easiest way to generate savings on the buy side is to go with a buy side agent that rebates back most of the commission. A commission rebate is legal in 40 states and non taxable(although there are apparently some regulations on it in numerous states, but that can be looked at for each FWF member when they're in that situation).
Below anybody that is looking at buying a house can post that they are looking for a rebating realtor in a particular state to pass through most of the commission while they the buyers do primarily all of the work.The stipulations are:
1) The buyer does his/her own research on the homes themselves. By posting a significant rebate below the realtor doesn't have to spend any of their time finding places to look at.
2) The buyer schedules their own viewings(call the listing agent and/or reverse lookup the sellers number) and the realtor doesn't have to shoot any emails or calls to book showings
3) The buyer tours homes themselves and doesn't require the realtor to cart them around to any showings
4) The buyer arrives at offer prices themselves and doesn't require any input from the buyers agent
5) The buyer submits offers himself(with the buyers agent attached) and doesn't require the buyers agent to get involved.
6) The buyers agent handles the least amount of the closing process they have to and hoists the rest of the work onto the buyer.
7) The assumption is that you'll only require an hour or 2 of the time of the buyers agent so a significant rebate mentioned by a realtor below is justified because they don't have to do much to collect a sliver and pass the rest on to you.If anything above isn't possible without the buyers agent doing something, I'll edit it. Also, if any of the above is desired by the buyer they can negotiate it as an add on and have a slightly lower rebate. But specific realtors posting below assumes that work on their part is kept to an absolute minimum in mentioning how much they will rebate.
Realtors this could be a very good source of additional revenue for basically little to no work. This includes both full time realtors and those that do it just part time or got their realtors license just for the hell of it. Method of communication to line up an arrangement is FWF private messaging(so prospective buyers don't have to post their personal information on the thread).So anybody looking to buy feel free to post below to see if you can get any PMs from realtors who will give significant rebates for you doing almost all of the work.
http://www.classicfirearms.com/cz9999compCustomer ReviewsFantastic pistol Review by Eric on 5/31/13
A great deal. Fantastic pistol, very well built and extremely accurate. Bought 2 of them.
Classic Firearms is the best online dealer I have ever used. Buy one NOW !!! Review by Snakeyes on 5/12/13
Shot 1st 100 rounds thru today. Can't recommend it enough. this guy is awesome. Feels like i had a trigger job done on it straight from the factory, light smooth crisp break. highly accurate out of the box. put 5 rounds thru the same hole out of the gate. best gun for the money ive ever bought Quick Comments Review by Colin on 5/5/13
Compares favorably to my 20 year old Sig 220 (.45). Finish work on the slide is good enough but not perfect. But then at this price I'm looking for something to use, not collect. Not sure what differentaites this pistol from other production runs but I got a serial# under 100, pistol manufactured 12/2012. I have read about this pistol being a Sig 229 clone and not having one of those I can't comment, but it feels as good in my hand as the Sig 220. Shipping with a 2nd Mag is nice also! I'm not a big gun guy but I spent enough time at cops and robbers that I know (maybe) the difference between crap and a carry weapon (ditched a Glock and bought the Sig). Don't have rounds through it yet but impressed by construction.
Would not be writing this before they sell out but wife says only one more gun this spring and it is either a Kimber 1911 or another one of these, and as she did not ask about the price, the Kimber be calling rather than 2 more or so of these.
I'm happy with what I know and don't know at this point. Big pistol, not a compact. Hopefully there will be a side by side pic of My 220 and the 999 up soon. great gun!!!!! cant recommend enough Review by jp on 4/30/13
have the ez 9 which is basic same gun, have shot 1000s rounds -no jams ( had one issue with reloads) absolutely no regrets with mine, would give 6 stars if I could! this is an honest unsolisited opinion.
Thanks Mark
rejecting loan after approval due to closing costs?
Added on : Thursday June 13th 2013 03:00:08 PM
hi,

I took a five year, 1.99% equity loan with penfed, now I want to establish a heloc. I looked around and settled on hanscom as they seemed to have the lowest rate with no closing costs. They ordered an appraisal (they wouldn't take penfed's), and approved the loan at prime - .5% with no floor. But then they let me know I'd have to pay a 1% nys mortgage recording tax...$2500 for $250k. Looking over the penfed heloc product, it's prime + 0 with a floor of 3.75% but they pay the mortgage recording tax. I have absolutely no plan to use this line, we have strong savings, but it seems prudent to have the line in place. It seems to me the penfed program is better suited to our needs but I feel badly hanscom has gone out of pocket for the appraisal. I could take a smaller loan, but even $100k seems like it would just be throwing $1k down the drain. any ideas/thoughts?tia
Linky
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Advice Needed. Roof Damage Due to Defective Shingles.
Added on : Sunday May 12th 2013 12:00:06 PM
Hello All,I'm posing this question to get some help for my parents. My parents bought a brand new house in GA in 2003. The roof has a 25 yr warranty. For the last couple years, they were experiencing water leakage through the roof whenever it rains. They called the builder to get them to repair the leakage. The builder refused to do anything claiming that it is outside of their 3 yr warranty for the house and told my parents to go after the roof manufacturer (ATlAS). My parents, who speak little to no English, decided to get a contractor to temporary fix the roof instead of going through the hassles of fighting with a big company. Towards the end of last year, they decided to rent out their house and wanted to fix the roof prior to putting the house on the market for rent. They tried to file a claim with the house insurance company (Southern Mutual Insurance in GA) which was denied. The insurance company inspector claimed that the shingles were defected and thus is not covered under their policy. All of the above information was provided to me by my parents and i wasn't involved until January of this yr when they needed my help to file a claim with the roof manufacturer. We submitted everything that they asked and they sent us a letter with a check for $2,201.22 based on 42 squares shingles (estimated by our roofer) at the current price prorated at 67% since we had the roof for 10 yrs out of 25 yrs warranty. They also sent us the warranty which states that they don't cover replacement installation cost of new products. My parents received a quote from their roofer who quoted a total cost of $10k to replace/fix the entire roof. I also found out today that when they bought the house, they didn't pay for an inspector to inspect the house thinking that it was brand new and is not necessary. My questions to all you gurus out there are: 1) Should my parents accept this as part of life and eat the cost to get the roof repaired to prevent further damage to the house? or
2) Should we get a lawyer and fight for this?
3 Has anyone on this forum experienced something similar that can provide me with some lesson learned how to go about resolving this to minimize the amount of $ that my parents have to come up with to fix the roof? Both of my parents combined make about 70k a year. They do have savings, but I rather that they don't have to use unless it is absolutely required. I'm quite upset that there's a potential that my parents will have to pay 8k out of pocket to fix this when it was the manufacturer who sold us defected shingles in the first place. This is my first experience with something like this so any advices would be greatly appreciated. Thanks in advance.EDIT: revised OP to replace "defected" with "defective"
Advice Needed. Roof Damage Due to Defected Shingles.
Added on : Sunday May 12th 2013 07:00:04 AM
Hello All,I'm posing this question to get some help for my parents. My parents bought a brand new house in GA in 2003. The roof has a 25 yr warranty. For the last couple years, they were experiencing water leakage through the roof whenever it rains. They called the builder to get them to repair the leakage. The builder refused to do anything claiming that it is outside of their 3 yr warranty for the house and told my parents to go after the roof manufacturer (ATlAS). My parents, who speak little to no English, decided to get a contractor to temporary fix the roof instead of going through the hassles of fighting with a big company. Towards the end of last year, they decided to rent out their house and wanted to fix the roof prior to putting the house on the market for rent. They tried to file a claim with the house insurance company (Southern Mutual Insurance in GA) which was denied. The insurance company inspector claimed that the shingles were defected and thus is not covered under their policy. All of the above information was provided to me by my parents and i wasn't involved until January of this yr when they needed my help to file a claim with the roof manufacturer. We submitted everything that they asked and they sent us a letter with a check for $2,201.22 based on 42 squares shingles (estimated by our roofer) at the current price prorated at 67% since we had the roof for 10 yrs out of 25 yrs warranty. They also sent us the warranty which states that they don't cover replacement installation cost of new products. My parents received a quote from their roofer who quoted a total cost of $10k to replace/fix the entire roof. I also found out today that when they bought the house, they didn't pay for an inspector to inspect the house thinking that it was brand new and is not necessary. My questions to all you gurus out there are: 1) Should my parents accept this as part of life and eat the cost to get the roof repaired to prevent further damage to the house? or
2) Should we get a lawyer and fight for this?
3 Has anyone on this forum experienced something similar that can provide me with some lesson learned how to go about resolving this to minimize the amount of $ that my parents have to come up with to fix the roof? Both of my parents combined make about 70k a year. They do have savings, but I rather that they don't have to use unless it is absolutely required. I'm quite upset that there's a potential that my parents will have to pay 8k out of pocket to fix this when it was the manufacturer who sold us defected shingles in the first place. This is my first experience with something like this so any advices would be greatly appreciated. Thanks in advance.
Vizio M3D550SL 55" LED 1080p 120Hz WiFi 3D HDTV - $879.99
Added on : Thursday May 09th 2013 09:17:18 AM
This impressive 55" Class LED HDTV brings out the absolute best in your viewing experience with its 1080p Full HD resolution.
Wrongful Bank Levy
Added on : Monday May 06th 2013 04:01:25 PM
Hey all! So, a bill collector keeps confusing my dad and I as I am a Jr. We obviously have very different SS numbers--which I have explained to them MULTIPLE times, including in writing--but they will often call me or send me notices.Well, last week they had the L.A. Sheriff do a $4k bank levy on MY account. I'll obviously be calling them in the morning to get everything reversed, but I'm wondering if there's anything else I can do to make sure this doesn't happen and/or punish them? I'd absolutely love to stick it to these morons. I have no idea how they could throw a levy on a bank account that is similar in name ONLY and with a completely different social security number.Thanks for any insight!
Venmo increases its limit
Added on : Sunday May 05th 2013 02:02:26 PM
Looks like all the previous Venmo threads are archived so:
Do you limit how much money I can spend using my card?
Last Updated: Apr 24, 2013 11:26AM EDT
Yes, there are limits on how much money users can transact using a card on Venmo. While we encourage users to use Venmo for all their payment needs, a few limits exist on our system that might affect our users when trying to make payments.

All users have a $3,000.00 per week limit on payments. (bolding theirs)

This means that you can send up to $3,000.00 per week to your friends on Venmo. Why do we have limits? Transaction limits help us screen for suspicious activity so that we can protect your financial security. Also, they help us keep our costs down, so that we can continue to provide an awesome, free service for our users!

Please note that the maximum cash out amount is $5,000.00, but we do not have limits on how many cashouts you can perform.

But the not so good news:
Limit on the Number of Cards Allowed

Venmo permits users to add 3 cards over a 6 month basis. If you have added three cards within the rolling 3 month period, you will be blocked from adding a fourth. Deleting one of the cards you have on file and then trying to add a fourth card will not work. If you absolutely need to add more cards to your account within the rolling 3 month period, please email us with a detailed explanation of why you require an additional card.
Note that they refer first to a 6 month period, then multiple times to a 3 month period. Not sure which it is.Thanks to Travelomania on FT and to Frequent Miler's blog for posting info leading to this.
Anybody else here got an email regarding this card?But at The Motley Fool, we love putting our own signature stamp on things. So here are the specific rewards we're proud to offer you when you sign up today:5X points on airfare purchases
3X points on Motley Fool purchases (including subscriptions)
1 point per $1 spent on all other purchases
And unlike most travel rewards cards, you don't have to stick with a specific airline. Because we understand that your travel schedule shouldn't be built around Delta's rules. Or American Airlines'. Or Southwest's. Now you can catch whichever flight is most convenient for you.You also get 5,000 complimentary bonus points automatically upon your first purchase.And the number of points you can earn is absolutely unlimited. So no more random cutoffs for points in your quest to get to Hawaii, Italy, Australia, the Caribbean, the Swiss Alps... or wherever you're trying to go. Because unlike a lot of credit card deals, we actually want you to get to where you're trying to go.But travel isn't just about the destination. It's also about the journey itself. Unfortunately, a lot of companies forget how stressful that journey can be (or just don't care). We don't think it should be. We think you should get to travel like a rock star.So we're also offering these perks to make your journey a little less hectic, and a little more like home:Complimentary 24/7 concierge and travel planning service
Automatic enrollment into the American Express Travel Privileges program
Two complimentary visits to American Express VIP lounges upon spending $15,000 in a calendar year
Comprehensive suite of American Express travel protection and insurance productsHere's a link to the card:
https://www.penfed.org/TMF-PenFed-Premium-Travel-Rewards-America...
Limited FREE Travel + Leisure 1 yr Subscription @freebizmag
Added on : Monday April 29th 2013 05:00:05 AM
http://www2.freebizmag.com/10031247/welcome.htmlGet Travel + Leisure's Daily Transporter eNewsletter and find out how to be one of the first 500 respondents to qualify for a complimentary 12-issue subscription to Travel + Leisure magazine. Plus, see what business magazines you could qualify to receive absolutely free! expires May 6, 2013
Vizio M3D550SL 55" LED 1080p 120Hz WiFi 3D HDTV - $799.99*
Added on : Friday April 26th 2013 09:20:37 AM
This impressive 55" Class LED HDTV brings out the absolute best in your viewing experience with its 1080p Full HD resolution.
Next week (live 4/28), at CVS, you can get a FREE Candy Bar of your choice! Starting on 4/28, CVS will have Hersheys or Mars Chocolate Singles (1.08-2.06 oz.) on sale for $0.99.

There will also be a $0.99 instant coupon available at the Coupon Center kiosk that will make your candy bar absolutely FREE!!

CVS Deal (Starting 4/28)
(1) Hersheys or Mars Singles Bar, 1.08-2.06 oz., $0.99
(1) $0.99/1 Hersheys or Mars Chocolate Singles Bar Instant CVS coupon
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thnx wildcvs christieall cards will receive this coupon
PLEASE DELETE Free Kindle Books 4/26/13
Added on : Friday April 26th 2013 06:02:01 AM
Only guaranteed free at time of posting, check before ordering as prices change frequently and quickly. A mix of genres, both new and old - hopefully you'll find something you'll enjoy!35 Italian Recipes For Your Slow Cooker - Fabulous Italian Meals and Italian Cuisine (The Slow Cooker Meals And... by Pamela Kazmierczak (Oct 31, 2012) - Kindle eBook
LinkIf you are trying to find a variety of Italian dishes to try this might be the cookbook for you. Using a slow cooker to prepare your meal will help make preparing delicious Italian food recipes much easier.This book is all about Italian Cuisine. There are 35 different Italian recipes to choose from in this edition, I am sure you will find something you enjoy!
The type of slow cooker recipes you will find inside 35 Italian Recipes For Your Slow Cooker Fabulous Italian Meals and Italian Cuisine includes soups, pastas, stews and more!What Type of Quick and Easy Italian Food Will You Find In This Book?
There are a total of 35 different but quick and easy crock pot meals inside this book.
Some Examples of these Italian foods include:Pizza Pasta
Meaty Lasagna
Chicken Parmesan
Loaded Bruschetta
Tuscan Beef Stew
Scallops in Tomato Sauce
Tarragon Chicken Over Angel Hair Pasta
Escarole and Cannellini Italian Soup
Asparagus and Parmesan Risotto
Tomato Florentine Soup
Four-Cheese Stuffed Lasagna Cups
Chicken Tortellini
& Many More.
==========================The Fantastic Slow Cooker Cookbook (March 2013 Edition) by Suzanne Summer (Oct 22, 2012) - Kindle eBook
LinkThe Fantastic Slow Cooker Cookbook
Using the crock pot (a.k.a. slow cooker) to prepare meals is one of the simplest way to
prepare delicious meals. If you're a busy mum like me, using the crock pot is the way to go. Just set the timer
for the crock pot and leave for the day, expect a sizzling hot meal upon returning home. This cookbook is filled with 50 unique and delicious one-pot meals that are easy to prepare. Whether you are a complete newbie to slow cooking or an experienced crock pot user,
you will find the recipes scrumptious yet simple and easy to prepare. I'm sharing the 50 absolute best slow cooking recipes for you that I'm sure
you and your family WILL love, that's my promise!
=====================================Jewels of Historical Romance by Cynthia Wright, Lauren Royal, Jill Barnett and Laurin Wittig (Feb 6, 2013) - Kindle eBook
LinkHave you ever longed to ask your favorite author which of her scenes she loves best? Twelve internationally bestselling, award-winning historical romance authors, all Jewels, have selected their favorite scenes to share with you in this special volume.Each gem-sized scene is the perfect length to read over a cup of coffee or before falling asleep at night. From the glittering ballrooms of the Regency to the majesty of Medieval castles, sample the sparkling best from the Jewels of Historical Romance!
-------------------------------
How can you protect your assets in case of injury without insurance?
Added on : Thursday April 25th 2013 12:01:38 PM
Is there anything that can be done to protect a persons assets in case they were to need medical attention, and not have adequate insurance?For example...I've been a hardworking person all my life. Most of the time though I don't have health insurance. Just haven't been able to find a good solid non-temp job/career that offers it. I also never made very much money in my life. Because of very frugal living though (never had cable ever, don't go to restaurants, only taken one vacation in my entire life and it was a cheap one under $500), I've been able to build up a net worth of around $100k. About $55k is equity in my house. $30k is from an inheritance which is in the stock market as the beginning of what will hopefully be a retirement fund. $5k is in a cash emergency fund, since I often earn less than my general bills. And the remaining $10k is the value of my car.However I am absolutely terrified that I will loose everything that has taken my whole life to achieve, in the inevitable event that I eventually will need medical attention for something. The medical system is so screwed up here, that it would be very easy to rack up a $100k+ bill after just one accident, one needed surgery, or one health problem.The costs of purchasing health insurance yourself are ridiculously prohibitive as well. If I were to actually purchase health insurance, I'd just deplete whatever money I have in very short order. Many years my earnings are in the negative compared to general bills, other times they break even, occasionally they are a little up, but even in an up year, if I were to purchase insurance, it is so expensive, I'd go in the negative. Its a loose-loose situation though, because if I don't, I'm afraid of getting hurt, racking up a bill higher than my whole net worth in short order, and next thing I know, my house is liened, bank account drained, stock portfolio garnished to zero, car taken away, etc. Just feels like I'll loose everything buying health insurance since I can't afford it, but I'll inevitably loose everything not having it since accidents or health problems are inevitable. Is there anything I can do to protect or shelter what I have? Since if I were to loose everything, I'd never have enough time in life left to get it back.Any advice?
1TB Seagate Hybrid 2.5in drive $99.99 FS/Prime
Added on : Wednesday April 24th 2013 02:00:04 PM
Seagate 1TB Solid State Hybrid Drive SATA 6Gbps 64MB Cache 2.5-Inch ST1000LM014 @ Amazon. Sold by Amazon w/ free Prime/FSSS shipping.$60 off full retail, about $30 off the price I usually see.LinkThe three dromedaries say this is a best price deal. It may not be quite as fast as the previous-generation 750GB, 7200 RPM hybrid since it's only 5400RPM, but it stomps all over everything else when you fact price, performance AND the amount of storage you get. It's ideal for an older laptop with one drive bay where you need lots of storage and better performance.I've got the old 750GB model and I absolutely love it.
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Deal with Your Debt: Free Yourself from What You Owe, Updated and Revised [Kindle Edition] - was $24.99Liz Weston (Author) http://www.amazon.com/dp/B00BHVQV1SPublication Date: February 19, 20131 Review ★★★★★Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. Weston reveals why most "conventional wisdom" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. You might even wind up in bankruptcy -- just what you're trying to avoid! For most people, it's smarter to control and manage debt effectively. In this extensively updated guide, Weston shows how to do that. You'll learn which debts can actually help build wealth over time, and which are simply toxic. You'll find up-to-date, real-world strategies for assessing and paying off debt, money-saving insights on which debts to tackle first, and Crucial information about everything from debt consolidation loans to credit scores and credit counseling. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. If you've ever worried about debt, you'll find the new edition of Deal with Your Debt absolutely indispensable.About the AuthorLiz Weston, an award-winning personal finance columnist, is one of the Internets most-read money experts. The New York Times called her The 10 Commandments of Money a wonderful basic personal finance book...[with] enough counterintuitive ideas to keep even people who know a bit about personal finance reading further. Her best-seller Your Credit Score is now in its Fourth Edition. Her columns run twice weekly on MSN Money, and her Money Talk Q&A appears in print nationwide, from the LA Times to Stars and Stripes. She has appeared on Dr. Phil, NBC Nightly News, the Today Show and CNBC Power Lunch and is a regular contributor to Marketplace Money. Her books also include There Are No Dumb Questions About Money.
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Help me get back on a good financial path fellow FW'ers
Added on : Sunday April 14th 2013 01:01:17 PM
Good afternoon. I am writing today to try to give full disclosure of all my finances and desperately seeking some good advice to get the ship back on course. I'm recently out of a LTR that left my finances in absolute ruin. I have an abnormally high car payment due to personal bankruptcy in 2008. Due to the recent break up I had to run for cover and am currently living at a friends house which isn't ideal. I'm not asking for a lecture, but that doesn't mean that I don't know I need some DRASTIC changes if I ever plan to be on a good financial path. I do not have access to any family members that can afford to loan or help me in any fashion. So I'm on my own to dig myself out of this hole. I know that there are some very smart people on this site and I would appreciate your valuable insights and suggestions. Age: early 30's
Job status: employed full time, 3 years
Education: B.S.
Income: $1640.56 gross/every two weeks, one 2k bonus at end of fiscal.
Region: Midwest
401k balance: low 5 figures
401k contribution: 5%
Company Match: 5%
No other retirement accounts
Savings: $0 Expenses:
Rent: $450 + 1/2 utilities (usually $100)= $550/month
Verizon cell + netbook internet: $150 (450 minutes, internet 5GB mobile netbook)
Auto ($9.5k remaining): $551.70/ month (13.10%)
Auto Insurance: $65/month
Auto Registration: $307/annually
Fuel Expense: $160/month
Food Expense: $180/month
Student Loan 1 ($20k): $214.62 month (private loan due to parents high income and little FASFA love: blended mix of 8.00%)
Student Loan 2 ($45k): $440/ month (Direct loans: fixed rate: 3.75%)
Entertainment Expense: $160 monthCredit Card Debt: (Note: most are near the limits so no room for balance transfers)
1. Merrick Bank $307 balance 16.45% /$35 a month
2. BB Rwd ZNE MC: $494.89 balance: 25.99%/ $18 a month
3. Captial One: $1517.68 balance: 16.90%/ $46 a month
4. Capital One: $751 balance: 19.80%/ $23 a month
5. Navy Fed CC: $1032 balance: 14.90%/ $25 a month
6. Navy Fed LOC: $632 balance: 15.99%/ $20 a monthBack Taxes:
2011:
Fed: $500 + interestNote: I work nights so will be responding most questions towards the early morning. I say this so you don't think I am MIA
Macy's Missed Payment, SOB story, any suggestions?
Added on : Tuesday April 09th 2013 07:01:03 PM
My wife and I are in our "late 60's" and married close to 45 years. In those 45 years we have never had a credit card balance, always paid EARLY (first day we get the bill) and most of all have NEVER EVER missed a payment. Both our FICO scores are a couple points below 800.Anyway: We (actually she) opened a Macy's (AMEX) card a year or two ago. Their account is screwy in many ways. Each Macy's AMEX account is actually 2 accounts, one for Macy's purchases and one for "out of store" purchases. The website as well as the multiple accounts aren't easy to find what you want. Anyway (long) story short we get a call from Macy's collections saying we are 60 days past due on $66 as of today. The guy gives me an account number which is not even close to the TWO account numbers on the account but as he explains (in his virtually impossible to understand "off-shore accent") there is yet a 3rd account number tied to this account but it doesn't show online.He claims we were sent SNAIL MAIL bills over 2 years as well as EMAIL bills of which we have NEVER received either. I have NEVER not received any other bill that had been mailed to me or an email bill notification that had been sent to me (yes, I also check spam folder on a daily basis). I went to my Google email account we use strictly for online billing and searched on "Macy" and going back to 2010 there were only advertisements and absolutely nothing bill related and we definitely never received a mailed bill. Maybe we could have missed one, but certainly not around 24 of them over the approx 2yrs we had the card.(Trying to keep it short, but it's not easy). Needless to say we DID have a past due balance unbeknownst to me and I immediately paid it when he called. I also told him to take the account and shove it where the sun don't shine but in a little stronger words than that.He did waive the late fee but the problem is, he said the account will be reported as 30 days late. This will be our first "negative" in over 45 years of having credit of any kind. Is there any "trick of the Fatwallet trade" to dispute this despite the fact we did miss the payment?
Contractor accompanying us during final home walk through?
Added on : Tuesday April 09th 2013 05:01:39 PM
I apologize if this has been addressed but its urgent. Those that know me- hopefully this completes my seemingly endless real estate posts...We found a smaller home than we hoped for at an open house, but the location is absolutely perfect. It's literally our #1 destination. Due to the size, we could plan a future addition (not too large) off the back. However, if purchased, we would like to immediately convert a large upstairs closet into a bathroom and blow out a downstairs wall for flow. Like I said, we have already visited the home and our agent is currently scheduling one more walk-through so we can decide if we want to make an offer. Simply put, we saw a couple others since and some tiny details have escaped us. My questions: is it okay/professional of us to have a contractor walk through with us? If so, should they kinda just "pose" as a friend/family member - assuming we fill them in on our ideas before getting to the house? Our realtor will be there, however we're not huge fans - long story - but decided to continue the process with her. Please note that we will work all contingencies etc., including inspection and appraisal, into the offer to purchase doc, if we move forward... So, this is not intended to be an appraisal of any sort, we just want to make sure that the short- and long-term ideas are even possible. Thanks for the help!
Free Kindle Books 4/9/13
Added on : Tuesday April 09th 2013 06:01:02 AM
Only guranteed FREE at time of posting (check price before ordering, they change)! All have 4-5 stars or are so new they don't have ratings. A variety of genres in the hope you'll find something you'll enjoy!Murder Behind the Closet Door, Abridged, Book One (Detective Bill Riggins Paranormal Mysteries) by Christopher Pinto (Mar 20, 2013) - Kindle eBook
LinkEdited for a faster read! Over 100 pages eliminated from the original, for those who would rather "get to the point". Book One of a Condensed Trilogy.The Original "Murder Behind the Closet Door" is filled with side-stories, literary descriptions and character depth that not all readers find as interesting and thrilling as other. This condensed trilogy is for you! The Story:
"A 5-Star rated murder mystery - ghost story full of adventure, the occult, and dark souls, Murder Behind The Closet Door is an excellent novel for anyone who appreciates Noir fiction, Mickey Spillane-style mysteries and a Stephen King-style thriller wrapped up in one truly original, well told story."(Note: This book contains sex, strong language, violence, and very scary situations. Not for the timid. If it were a movie, the rating would be NC-17. It is a book written for people who love to fall deeper and deeper into a layered mystery. Reading this book is an adventure.)A dilapidated house with an evil secret in the basement. An auto-wrecking yard with the devious, rusted remains of a murderer's getaway car. An unsolved bank robbery with hundreds of thousands of dollars never found. A detective trying to solve an age old murder before his ticker runs out. A slow, agonizing death for an unfortunate victim and his soul reaching from beyond... "Murder Behind The Closet Door" is a murder murder mystery ghost story that keeps you engaged and guessing from the first paragraph. Creepy, riveting, this mystery-ghost story reveals another existence, one just beyond our own, where the occult and the paranormal meet reality and everyday people find themselves swept into very extraordinary circumstances. The story is set in Ocean City and Wildwood, NJ during the late 1970s (with flashbacks to the '30s & '50s), and centers around a young woman who begins her career marketing an amusement pier on the world-famous Wildwood Boardwalk on the Jersey Shore. Just as Heather's adult life really begins to blossom, her torment begins. Not long after moving into a 70 year-old rooming house, Heather's mundane life takes an uncontrolled turn toward insanity. Although she refuses to acknowledge her ghost, a mysterious entity begins to taunt her, an entity impetuously determined to contact her through her bedroom closet. At first these mild encounters are merely disturbing.... Aspirations of a life of quaint mediocrity vanish as she and her friends try to discover the Motives of her tormentor, finding that the truths in which she believed her entire life had been nothing but an elaborate veneer. As Heather falls deeper into the mystery, she finds the physical world around her is much stranger - and more terrifying - than she could ever have imagined.What's missing from the original?
Several "side" stories, including life in Wildwood, NJ in the late 1970s, interesting tales of the characters, and individual charachters' thoughts and revelations. The author, and most readers who enjoy longer books, find these add a considerable amount of "likability" to the book. However, at Stardust Publishing realize that many people in today's fast-paced world would rather cut to the chase. This series does just that, concentrating on the action, without some of the humorous or interesting details.
================================================You Can Have a Healthier Lifestyle with Mediterranean Diet Secrets by Marc Holden (Mar 20, 2013) - Kindle eBook
LinkAre you tired of chasing fad diets that promise immediate success but produce nothing when you attempt them?
Tired of tasteless meals? Want to eat healthy, but don't feel like purchasing expensive and bland health food?
Then the Mediterranean Diet is absolutely PERFECT FOR YOU.
With it you will be able to enjoy all sorts of delicious and tasty food, while managing to not only lose weight, but live an altogether healthier lifestyle.
Based around the foods available in countries like Spain, Italy, Greece, and Morocco, some of the foods you'll be able to enjoy with this diet are:
Chicken
Seafood
Nuts
Beans
Nearly Every Vegetable
Sweet Fruits
A glass or Two of Red Wine
A Piece of Dark Chocolate
And MUCH MORE!
======================================17 Muffins in 7 Steps by Aya Saffouri and Jim Yaghi (Apr 4, 2013) - Kindle eBook
Link17 fun, delicious and easy muffin recipes, with 5 quick frostings and 7 useful tips to introduce your teen or tween to the world of BAKING! This will make a great birthday gift for your girl. Muffins are tasty, Muffins are sweet, They're my favorite food to eat. Blueberry, banana nut, hazelnut berry and Oreo. These yummy muffins are quick and easy to make, and a truly healthy treat.
================================================77 Dinner Recipes From Around The Globe by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"77 Dinner Recipes From Around The Globe" containing 77 dinner recipes from around the world: Striped bass en court-boullion, Potatoes hollandaise, Stuffed tomatoes, Stuffing for tomatoes, Sweetbreads braises, Sauce bearnaise, Punch francaise, Roast redhead ducks, Fried hominy for game, Hot rum sauce, Vanilla ice cream, Macaroons, Canapes of caviare, Halibut steaks, Anchovy butter, Potatoes persillade, Leg of lamb, Jardiniere, Roast turkey, Cranberry sauce, Celery salad, Mayonnaise sauce, Cabinet pudding, Prentanier for soup, Sauce normande, Bread croutons, Chicken valencienne, Spring-lamb chops, Soubise sauce, Punch cardinal, and many more...,
=================================================48 Breads And Muffins Recipes: Simple, Authentic and Traditional by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"48 Breads And Muffins Recipes: Simple, Authentic and Traditional" containing 48 simple, authentic and traditional Breads and Muffins recipes: Milk bread, Graham bread, Sweet loaf, Shredded wheat bread, Corn bread, Oatmeal bread. Brown bread, Titusville brown bread, Nut bread, Raised muffins, New england blueberry muffins, Date muffins, Western muffins, Lunch rolls, Coffee cake, Coffee muffins, Apple gems, Beaten biscuits, Southern recipe, Bannocks, Batter bread, Rice muffins, Lunch muffins, Saratoga corn cakes and many more...
=================================================Cake Recipes for Dummies by Descubriendo Apps (Apr 6, 2013) - Kindle eBook
http://www.amazon.com/Cake-Recipes-for-Dummies-ebook/dp/B00C8WN2NU/ref=sr_1_34?s=digital-text&ie=UTF8&qid=1365500188&sr=1-34Surprise your family and friends with our delicious desserts.Learn step by step how to create more than 20 different recipes in an easy and fast way.Table ContentFunfetti Dump Cake
Candy Cane Dump Cake
Triple Chocolate Pudding Dump Cake
Angel Food Dump Cake
Chocolate Coconut Dump Cake
Tropical Coconut Dump Cake
Pineapple Orange Dump Cake
Apple Caramel Dump Cake
Chocolate Pumpkin Dump Cake
Strawberry Pineapple Dump Cake
Peach Blueberry Dump Cake
Fruit Cocktail Dump Cake
Lemon Dump CakeAND MORE......
==========================================Georgiana Darcy's Diary: Jane Austen's Pride and Prejudice continued (Pride and Prejudice Chronicles) by Anna Elliott and Laura Masselos (Apr 20, 2011) - Kindle eBook
LinkMr. Darcy's younger sister searches for her own happily-ever-after... The year is 1814, and it's springtime at Pemberley. Elizabeth and Mr. Darcy have married. But now a new romance is in the air, along with high fashion, elegant manners, scandal, deception, and the wonderful hope of a true and lasting love. Shy Georgiana Darcy has been content to remain unmarried, living with her brother and his new bride. But Elizabeth and Darcy's fairy-tale love reminds Georgiana daily that she has found no true love of her own. And perhaps never will, for she is convinced the one man she secretly cares for will never love her in return. Georgiana's domineering aunt, Lady Catherine de Bourgh, has determined that Georgiana shall marry, and has a list of eligible bachelors in mind. But which of the suitors are sincere, and which are merely interested in Georgiana's fortune? Georgiana must learn to trust her heart--and rely on her courage, for she also faces the return of the man who could ruin her reputation and spoil a happy ending, just when it finally lies within her grasp.
===========================================================I am the Great Horse by Katherine Roberts (Jan 9, 2013) - Kindle eBook
LinkClimb on my back, if you dare, and let ME carry you into the battles that changed the world!So speaks Alexander the Great's bold black stallion Bucephalas, one of the most famous horses of the ancient world, as he recounts their epic journey from Macedonia, across Persia and over the Himalayas into India, straight from the horse's mouth.In the tradition of Michael Morpurgos "War Horse" and Anna Sewell's "Black Beauty", this mixture of fiction and history will appeal to readers looking for a lively account of the legends surrounding Alexander of Macedon and the men and women who followed him to the ends of the earth.Originally published in hardcover by Scholastic US and in paperback by Chicken House UK, the ebook includes an illustrated map of Bucephalas hoofprints by artist Brian Sanders.
=======================================================A Trio of Irish Tales (Trio Tales) by Judith Cullen and Micki McIntyre (Mar 5, 2013) - Kindle eBook
LinkMeet Ireland's legendary "Man of the Mists", experience the life of one woman through a sacred oak tree, or delight in the old-world vs new-world clash between an annoyed pooka and a digitally savvy teenager. In this first volume of the "Trio Tales" series, author Judith Cullen celebrates her heritage inspired by family and friends, and she even invites the fairies out to dance.
==========================================================God Painted Us a Rainbow by Katrina Streza and Lisa Graves (Mar 26, 2013) - Kindle eBook (Childrens)
Link Celebrate the beauty of God's creation!
In this rhyming picture book, children learn to thank God for all types of days. Rainy, sunny, foggy or clear, there is so much beauty to be shared. Charming illustrations bring this fun and important concept to life for toddlers, preschoolers and kindergarteners. A perfect addition to a Christian education unit on weather, seasons, or the changing times of day.===================================================================Abc's of Baseball - A Children's Picture Alphabet Rhyming Book about the great game of Baseball (Baby-3) by ANTOINE CAMERON and Michael Golez (Mar 12, 2013) - Kindle eBook
LinkThis baseball rhyming book is great for any toddler learning their abc's and they will get to learn about baseball as well. The book is a rhyming book with 26 beautifully illustrated pictures by Michael Golez. The author Antoine Cameron also has close ties to the game of baseball since he played pro for the Chicago Cubs. You child will enjoy learning his or her abc's as well as the beautiful pictures.
================================================The Alphabet Book of Animals - Easy Ways to Learn the ABCs by Chris Q Sheridan and Booka Booka Publishing (Feb 26, 2013) - Kindle eBook
Link Easy Way to Learn the ABCs BooksIntroducing your child to the alphabet - from ABC to XYZ - in a fabulous way. Explore the alphabet with your child in this exciting animal alphabet book. This animal picture book will capture your childs curiosity about the animal kingdom and the world around him, while he gets his abc learning on. Filled with vibrant, captivating photos of animals from A to Z, it includes the common animals that your child can recognize in her everyday life, as well as the more exotic to engage her in wonder and develop her curiosity. They can all say cat or dog but wont you be proud as she showcases her knowledge when shes the first kid in her preschool to say ibex or koala.Join them on their quest to learn the alphabet as they discover all kinds of wild and domestic life starting with different letters. While learning their ABCs, they will also be exploring the natural world and developing an appreciation for the wide assortment of creatures that roam the earth.Educational and enticing on all fronts, you can also use this as one of the more vibrant abc books in your collection. Use it as a guide to introduce your child to shapes, textures, patterns and colors. From the vibrantly bright green tree frog to the spots/squares on the sleek head and neck of the jaguar to the fuzzy yet regal face of the lion to the striking and mind-twisting, eye-crossing stripes of the zebratake your child on a fascinating trip around the animal kingdom.The book not only lets you share precious bonding time with your child as you explore the animals together, but can be used by parents, grandparents, day care providers, teachers and therapists to lay an early foundation for good observational skills.
================================================================The Amazing Animal Superbook by Tarrant Brothers (Mar 2, 2013) - Kindle eBook
LinkDid you know that there is a snake that can see with its tail? Are you aware that there exists a large mammal that can jump distances of up to fifty feet? How about the virus that turns caterpillars into zombies? The Amazing Animal Superbook has all of this and much, much more. Filled to the brim with over 1,000 incredible and compelling animal facts as well as 350 beautiful full-color photographs and multiple bonus features, no book covers the wide range of the animal kingdom in a more entertaining and informative way.Whether youre interested in lions, bears, birds, sharks, spiders, elephants, snakes, octopuses, bugs, dogs, or earthworms, it doesnt matter. The Amazing Animal Superbook has something for you.This volume was written with young people in mind, but in such a comprehensive way that even experts will find themselves learning new and exciting things. If you're an adult who loves animals, you will adore it. If you buy it for a young person interested in science, it will likely be remembered as one of their favorite books from adolescence. Makes for an awesome coffee table book and conversation starter. The ultimate bathroom reader. Something for everyone!
====================================================Easy Minecraft House Designs: House Design Ideas, Blueprints, Instructions, and More! (Easy Minecraft Guides) by John Alexander (Mar 23, 2013) - Kindle eBook
Link Minecraft is a game of immense possibility, easy to start but hard to master. These Minecraft house designs are intended to TEACH the fundamentals of building different types of structures. You will learn how to:
- Build fences, doors, stairs, skylights, courtyards, ladders, trapdoors, and more!
- Build basic shelters like igloos, caves, and treehouses
- Build simple one room houses, cabins, and ranches
- Build L-shaped houses and houses with porches
- Build multi-story homes
- Build townhouses and motels
- Build towers and lighthouses
- Build fortresses and castles
- Build house-boats
- Build bunkers
- And more!This guide teaches you the basic builds, but leaves the exact customization up to you! Once you know how to build off of these designs, there is nothing you cannot build within Minecraft.
==========================================Growing Up Wired by David Wallace Fleming (Mar 28, 2013) - Kindle eBook
LinkHow will relationships change in the age of the internet?Victor likes to admire his girlfriends' online pictures. These girls can't seem to stop posting self shots to Facebook and all the social sites. Soon all the young men in his fraternity are competing for the attention of these online, amateur pinups.
The classic problems of maturity are complicated for Victor by a set of new challenges. He struggles with smartphones, text-game, recreational pharmaceuticals, sexual guilt, porn addiction, reversed gender roles and a motley crew of well-meaning yet misguided mentors. The technological quandaries get even more confusing in the maelstrom of booze, drugs and social competition. He gets in fights, pops pills and embarks on a quest to learn why young women post so many pics and why guys can't stop themselves from looking? He might just find a young, willful woman to fall in love with - on both sides of the camera. Throughout these discoveries, he wonders: What kind of love is this? ... the wired kind.
======================================================
My Lucky Groom (Summer Grooms Series) by Ginny Baird (Apr 4, 2013) - Kindle eBook
LinkIf you liked the HOLIDAY BRIDES, get ready for the SUMMER GROOMS...
MY LUCKY GROOM (A Romantic Comedy Novella)
Book 2 in Ginny's Summer Grooms Series.A story about following your heart and finding your destiny.A superstitious fortune cookie collector finds love and adventure in Washington, DC.MY LUCKY GROOMFollow your fate... It might just lead to the romance of a lifetime!Superstitious fortune cookie collector Ventura Hart has embarked on a new adventure in Washington, DC. Armed with a masters degree in writing, she has ambitions of working for a major news publication. But the job market is tight, and after a while Ventura realizes she can't be that picky. When she meets a handsome young bachelor in need of a nanny, she thinks she's found a temporary solution. Little does Ventura know, she's headed down a new path that will lead to more than she's ever hoped for.Single dad Richard Blake is at his wits' end trying to secure help for his mischievous five-year-old twins. Known as DC's most eligible bachelor, the entrepreneurial magazine editor never imagines he'll fall for the one woman he's sure he can't have. She looks after his kids and has a boyfriend to boot. So his attraction to her is beside the point. But when Ventura becomes enmeshed in his family and Richard finds himself losing his heart, is there a way to secure a happy ending? It could all depend on a little bit of luck, and a whole lot of destiny.A sweet, traditional PG-rated romantic comedy.
Standard novella-length, approximately 30,000 words.
=================================================No Mud, No Lotus by Maya Yonika and Ben Jayston (Mar 13, 2013) - Kindle eBook
LinkNo Mud, No Lotus is a humorous but gritty journey out of substance addiction and sexual trauma and into Sacred Sex and Neo-Tantra! Its the raw, honest, and intimate biography of a Maya who stars in a controversial documentary film about Tantra: Code name "Tantric Seduction, the Dance of Maya."
This isnt the usual life story of a Sacred Sexual, Tantric practitioner, filled with New Age lingo and promises of ecstatic sexual Bliss. Rather, its the genuine, real account of a regular girl who seeks emotional and psychological healing from a past of sexual trauma, abuse, and addictions. No Mud, No Lotus chronicles Mayas determined journey to find depth and meaning within love, sex and relationships.
It also tells the story of Father Ron who believes its Mayas destiny to stand at his side as a Sacred sexual healer, and invites Maya to travel the world with him as his mate and to teach Tantra. Together, they go to places where the lines between black and white, shadow and light, the sacred and the profane become maddeningly unclear and contradictory. But Mayas past already endowed her with strength and a critical eyeassets she didnt know she had-- which serve as her beacon of truth as she negotiates the darkened maze that is Neo-Tantra as practiced in sexually over-charged New Age circles.
===============================================
Drugstore has the L'Oreal Cosmetics BOGO 50% off.They also have "Buy $35 get $10 off"Use FW link for "Buy $30 get $5 off"Total: $16 + $16 + $3 (small filler to reach $35) = $35.BOGO 50% off = -$8
L'Oreal deal = -$10
FW link = -$5Grand total: $12 + Free Shipping!
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~First click FW affiliate link to activate $5 off $30 offer for new customers.Then click here to activate $10 off $35 L'Oreal.Then click here and add two Makeups to cart.Then click on the 2nd ($10 off $35) link again, and scroll down towards the end to choose a >$3.02 filler item.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~Note: In cart, enter your zip-code and click "get estimate" to see $15 discount.~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Same great deal on the:
L'Oreal Visible Lift Serum Absolute Advanced Age-Reversing Makeup. (need >$3.42 filler)
and:
L'Oreal Infallible Advanced Never Fail Makeup. (need >$3.62 filler)And much more...
drugstore.com Coupons
This is a music sampler from the recent fabulous SXSW event in Austin, TX - absolutely free. Link Enjoy!
Stumbled across an AMAZING deal at Phila area Rite Aid today.Some of the 'larger' stores have started carrying STEWARTS ROOT BEER (+ other flavors)on sale for $2.99 less .60 with gold wellness less $1 Manu Peelie affixed to each 4 pack.Scored 4 x 4packs for $4.17 ac's + tax today.The absolute cheapest I've ever paid for it is $2 per 4 pack at Redners with no coupon.
Hello All,I have already posed this question in GMAT Club forums and Wall Street Oasis. I have only received limited feedback, so I thought that I would ask the most financially savvy community on the internet their opinions about career and school guidance. If this is too big a favor to ask by all means give me red.Let me apologize in advance for the length of this post. It is a hybrid of career choice and school questions- I am considering the necessity of MBA school / chances / where to apply and believe I understand the nuances of most schools inside the top 20.I am an Air Force Captain with about 7 years' service. Undergrad double major in Supply Chain/Econ from one of the better Big Ten schools with a 3.7 GPA. Also have an MSc in Quant Finance from an average Pac-Twelve School (not in California!) but with a fairly robust curriculum and 3.8 GPA.My AFSC (MOS) is in the Finance arena, but have had some very atypical assignments, have checked the blocks on deployments to both major AORs in ways that were not standard Bob on the Fob G-8, and am currently working at an Embassy assignment... fair amount of breadth and I'm reasonably sure that for a non combat arms role my profile is strong - would be grateful for feedback on my Linkedin/Resume and would happy to provide on a PM.I have also passed my CFA Level 1 exam and will be sitting for the Level 2 in June.BLUF: I want to work at a hedge fund full stop, first as an analyst, and progressing to a portfolio manager-global macro long/short go anywhere fund. I am not interested in working at a long-only asset manager or mutual fund. Eventually I want to run my own fund and if all goes well (yes that's an optimistic assumption but you have to have goals) I have some longer term plans about how I would want to build out the fund and turn it into more of a venture philanthropy/ emerging mkt micro venture capital endeavor - this would be the crux of any essays I would put in for MBA schools. I would also attempt to parlay my international experience in essays. This plan has evolved, but for the most part it is what I've wanted to do since my junior year of college. The career progression I've sought is pretty self-explanatory to any school with the Master's degree concentration and the CFA, and my rationale would be the school as a natural pipeline for a career change and network exposure. My dilemma is as follows: I am questioning the necessity of attending MBA school at all, because last year I was seriously considering getting out and managed to land interviews at several of the BB banks in NY, which at the time I viewed as a critical stepping stone to the alternative asset space. Managed to land one job offer in the market reg side in oil futures surveillance, but the salary offered was on par with a first time job out of undergrad. I have a spouse with grad school debt and we could not make the numbers work in NYC. I worked closely with Veterans on Wall Street to get to these interviews, but the industry was in such flux with Dodd-Frank at the time that 4 firms asked me to wait until summertime. That said, I've maintained contact with my interviewers and hope/think that they will keep me in mind down the road.In parallel I was offered this very unique Embassy job opportunity; my wife is in the NGO/Int'l Development arena and we had to jump at the chance. In the Air Force you only have 5 days to accept an assignment selection or you have to establish a date of separation and no deferral of an offer. Fast forward to today and we have another year left here, but possibly up to two years if I put in for an extension. Leading up to the week that I accepted the overseas job, I had been cultivating relationships with a few hedge fund managers and sought their counsel - a common piece of advice I got was get the international/life experience, skip the MBA completely, pursue the CFA, and learn Python programming. They also recommended trying to start directly at a HF rather than try to navigate the as-of-yet uncertain maze of what Sales/Trading desks at the big banks will look like post the major regulatory changes. Although they personally said they would speak to me when I returned home - 2 years is a long time and there are no guarantees.Since before I was commissioned I've been trading equities/options on my own and have managed to grow the portfolio to a fairly comfortable level (market hours are friendly in SWA); I have all of my transactions documented and can verify performance figures- I absolutely realize that this is close to irrelevant in hiring for institutional money management but only offer it to further emphasize my dilemma. As an undergrad I was also active in my school's investment association which at the time was running the largest student run fund in the world, and studied in the UK my junior year that concluded with a short internship in London at the LME and a week survey at the Bank of England.Back when I was applying for the Master's program I didn't do as well on the GMAT as hoped and got a 660 which I attribute to poor time management. But that was 7 years ago meaning it is off the books at this point, and I am quite confident I could push above 700 with a reasonable amount of prep. First, given all the above details, is there an overly compelling need for me to go to MBA school? The fact that I was offered an analyst/undergrad position is a concern I have because an analyst's salary will not work for me in either NYC or SF as family planning is going to be a reality in the very near future. The other big banks seemed to be hinting at a senior analyst level or even associate position, but likely for a summer internship offer. I certainly understand the risk they are assuming with an unproven person coming into a new industry. Since that time many of the large firms have come out with military specific programs, which they may have known about when we were speaking, but were not public at that point. Believe me, I have heard and understand the "You're taking the difficult path" rather than the natural one by NOT going to MBA school.Although there are differences between top MBA salaries over the course of career by most normal metrics, in my specific case I'm wondering if the lost opportunity cost is worth it... I will be a little older than your standard post Academy/ROTC guy and low 30s should be prime earning years, even if I am able to attend school cheaply or even for free with Post 9/11 and Yellow Ribbon. I remember looking at Cornell Johnson's 1 year program but the issue with that is no opportunity for an internship and you're left to your own devices at graduation- could be stated from a position of ignorance but I spoke with a few of the military guys there at the time and they recommended going for the 2 year one. With 1 year, the time isn't automatically built in so most of your school experience would be trying to get recruited.Second, If school is absolutely the way to go, for hedge fund specific positions, are there any other schools to seriously consider than Columbia, Wharton, NYU, and Booth? MIT certainly has a lot of academia in that realm with Andrew Lo's finance lab, but I perceive it to be more an operations/quant/management place. For West Coast, I would think both Haas and Anderson are well represented, but Stanford (impossibly tough to get into) seems to be much more tailored to the VC/PE/Startup set.Finally, Is there any factor that I am not thinking about that I should give more consideration? With a 700 GMAT & reasonable quant is there anything more that you would recommend in terms of application approaches other than what I've already mentioned?Thank you very much in advance for any advice you can offer, and once again I apologize for the length of this post.
SF Bay Area Home Search: Good (or Not So Good) Schools
Added on : Friday April 05th 2013 11:02:10 AM
My wife and I are planning to buy our first home in South Bay Area (Sunnyvale, Santa Clara and some parts of San Jose with Cupertino schools). While the inventory is low and many houses are going way over list price with all cash offers, we're still optimistic that something will work out.We're looking for a 3+B/2+BA house. Our upper limit is 800K, but might be willing to go 850K (lender says easily approved) for something we both absolutely love! Both are employed in Fortune 500 companies and make 100K+ each and have saved enough money for 15% down (with additional emergency funds for about 6 months). We're in our early 30s, credit scores are 780+ each. We prefer single family homes but townhouses are OK too.We don't have kids yet but planning to have our first in a year or so. We've been looking for houses in good school districts (API 800+) ...not out of immediate need but in terms of resale value and such. Most of the houses here are selling 60K-100K over list and many have been all cash and/or no contingencies offers. Obviously we cannot compete with that.My questions:
1) If we have a kid in 2014, it'll be 5-6 years or so before he/she needs to attend elementary school. Plan for good school district now or make do with what we get and then plan to move later?
2) If we end up getting a house in a not-so-good school district and when the time comes to move, for some reason, we can't sell this house; how much do private schools cost? For example, if we get a 600K house now and save the difference in mortgage payment for the next 6 years, will it make sense?
3) When something comes up on MLS, most listings don't mention schools and we have to go through this tedious process of finding which school zone the houses belongs to. Is there a website where we can plug-in the address and it gives us the elementary, middle and high school names with API scores? Perhaps someone has compiled a list...
4) Also, how worried should we be about sex offenders in the area. We searched www.meganslaw.ca.gov for some addresses and there were multiple offenders in some places. The website, however, says they might have subsequently moved. There is no sure way to find out I guess. Any thoughts?
5) Should we even consider foreclosures/short sales. Our Realtor said we can look into them but he emphasized more on Active listings. Are there agents who specialize in such properties and should we be contacting them?
Bay Area Home Search: Good (or Not So Good) Schools
Added on : Thursday April 04th 2013 03:02:21 PM
My wife and I are planning to buy our first home in South Bay Area (Sunnyvale, Santa Clara and some parts of San Jose with Cupertino schools). While the inventory is low and many houses are going way over list price with all cash offers, we're still optimistic that something will work out.We're looking for a 3+B/2+BA house. Our upper limit is 800K, but might be willing to go 850K (lender says easily approved) for something we both absolutely love! Both are employed in Fortune 500 companies and make 100K+ and have saved enough money for 15% down (with additional emergency funds for about 6 months). We're in our early 30s, credit scores are 780+ each. We prefer single family homes but townhouses are OK too.We don't have kids yet but planning to have our first in a year or so. We've been looking for houses in good school districts (API 800+) ...not out of immediate need but in terms of resale value and such. Most of the houses here are selling 60K-100K over list and many have been all cash and/or no contingencies offers. Obviously we cannot compete with that.My questions:
1) If we have a kid in 2014, it'll be 5-6 years or so before he/she needs to attend elementary school. Plan for good school district now or make do with what we get and then plan to move later?
2) If we end up getting a house in a not-so-good school district and when the time comes to move, for some reason, we can't sell this house; how much do private schools cost? For example, if we get a 600K house now and save the difference in mortgage payment for the next 6 years, will it make sense?
3) When something comes up on MLS, most listings don't mention schools and we have to go through this tedious process of finding which school zone the houses belongs to. Is there a website where we can plug-in the address and it gives us the elementary, middle and high school names with API scores? Perhaps someone has compiled a list...
4) Also, how worried should we be about sex offenders in the area. We searched www.meganslaw.ca.gov for some addresses and there were multiple offenders in some places. The website, however, says they might have subsequently moved. There is no sure way to find out I guess. Any thoughts?
5) Should we even consider foreclosures/short sales. Our Realtor said we can look into them but he emphasized more on Active listings. Are there agents who specialize in such properties and should we be contacting them?
Canadian Offshore Haven Data Dump
Added on : Thursday April 04th 2013 01:02:05 PM
http://www.cbc.ca/news/world/story/2013/04/03/offshore-data-leak...30 years of Canadian trusts have been published
CBC said: "I find it absolutely fascinating to get a look at this data dump. I think this is the very first time where people like myself, and maybe even government officials, have had access to this information." The files contain information on over 120,000 offshore entities including shell corporations and legal structures known as trusts involving people in over 170 countries. The leak amounts to 260 gigabytes of data, or 162 times larger than the U.S. State Department cables published by WikiLeaks in 2010.
Kindle Books 4/3/13
Added on : Wednesday April 03rd 2013 06:01:43 AM
Only guaranteed FREE at time of posting. a mix of new and old and a variety of genres - hope you'll find something you'll enjoy.Married By Midnight (Pembroke Palace Series, Book Four) [Kindle Edition] by Julianne MacLean (Romance)
http://www.amazon.com/Married-Midnight-Pembroke-Palace-ebook/dp/...
Pub. 7/15/12From USA Today bestselling author Julianne MacLean comes a passionate and emotional tale of a most unexpected loveMARRIED BY MIDNIGHT: A Pembroke Palace Novel of approximately 220 print pagesAN UNATTAINABLE ROGUE
For seven years, Lord Garrett Sinclair-- the ruggedly handsome illegitimate son of the Duke of Pembroke--has been traveling abroad with no intention of ever returning home to Pembroke Palace until his father commands that he must marry by Christmas in order to thwart a family curse or lose his inheritance forever. Haunted by a tragic accident that has hardened his soul, Garrett entrusts his brothers to seek out a bride who will agree to a marriage in name only. Her reward? A sizable share of his inheritance--payable immediately after the wedding night.
A BEAUTIFUL TEMPTRESS
Lady Anne Douglas has been ruined by scandal and disowned by her father. Facing a life of poverty and spinsterhood, she leaps at the generous terms of the marriage contract to ensure her independence. But the charade of a two-week engagement proves more of a challenge than either anticipated when they cannot resist the intoxicating lure of the marriage bed. Anne knows they will part ways after the wedding. Will she dare risk her heart for two weeks of pleasure in the arms of an irresistible rogue? Or will her surrender become her undoing after a most unexpected turn of events mere hours before the wedding? Full length novels in the Pembroke Palace Series:
Book One - IN MY WILDEST FANTASIES
Book Two - THE MISTRESS DIARIES
Book Three - WHEN A STRANGER LOVES ME
Book Four - MARRIED BY MIDNIGHT
Book Five - A KISS BEFORE THE WEDDING (Short Story)
Book Six - SEDUCED AT SUNSET
===========================================5 Ingredients 15 Minutes Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes [Kindle Edition]
http://www.amazon.com/Ingredients-Minutes-Cooker-Cookbook-ebook/...
Pub. 12/28/12
This cookbook was written for you: The busy professional who's moving at the speed of light, craves a comforting home-cooked meal, and doesn't want to spend his or her life in the kitchen. Each of these 40 recipes requires 15 minutes or less of prep time and absolutely no acrobatics. If you can chop an onion and twist a can opener, you can make these dishes. The recipes include nutrition data, and most include serving tips.In this cookbook, you will discover 40 recipes for delicious home-cooked meals that only require 5 ingredients (plus a few Staples such as salt, pepper, water, cooking spray, etc...), 15 minutes (or less) of prep time and 1 turn of a switch. Your slow cooker takes quick and easy meals to a whole new level.At the end of the day, what you want to do is put your feet up and rest. But what you need to do is get dinner on the table. Now you can do both!With 5 ingredients 15 Minutes of Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes, just toss in a few ingredients into your slow cooker in the morning before going to work, and a delicious, hot dinner will be ready for you when you get home.Thousands of busy home cooks rely on Maria Holmes' recipes because they are family friendly, are simple to put together, and taste terrific. Now there's a new cookbook in the Maria Holmes' collection that makes your life even easier!Imagine coming home to an elegant Roast Beef with Mixed Fruit and Chipotle Sauce or Chicken a la King. What about sitting at the dinner table after a long day at work and enjoying a melt in your mouth serving of Potatoes au Gratin.With 40 recipes to choose from, you will have many quick and delicious meal ideas. Most take less than 15 minutes to prepare because all you have to do is pull 5 ingredients out of your pantry, fridge or freezer.So get ready to discover all the tasty simmered-in flavors of slow cooking.Enjoy and be well!
=========================================35 Easy Weeknight Dinners - Simple and Easy Chicken Recipes For Weeknights (Quick and Easy Dinner Recipes - The Easy Weeknight Dinners Collection) [Kindle Edition]
http://www.amazon.com/Easy-Weeknight-Dinners-Weeknights-ebook/dp...
Pub. 10/31/12Are you looking for Recipes For Chicken? If you are looking for quick and easy recipes to prepare on weeknights, you have found the right cookbook! This cookbook has 35 different good recipes for dinner and it all focuses on chicken. So if you love chicken and do not have a ton of time to spend cooking every evening, you should check out this book and the easy recipes inside.As this is all about chicken recipes this book has a variety to choose from. Find traditional chicken meals as well as more exotic ones as well as chicken sandwiches, wraps, salads, soups and more!The type of family meals you will find inside 35 Easy Weeknight Dinners Simple and Easy Chicken Recipes For Weeknights includes all types of fabulous chicken meals that are quick and easy dinner recipes! We hope you enjoy them all! What Type of Quick Easy Dinner Recipes Will You Find In This Book? There are a total of 35 different but quick and easy meals inside this book. Of course you could just consider them fall dinner recipes, but really they would make great dinners, lunches or brunches all year round!Some Examples of the easy family dinners include:
Chicken Marsala
Chicken Pesto Sandwiches
Rum Chicken
Lime Avocado Chicken
Chicken, Plum, and Chickpea Salad
Chicken and Curry Soup
Chicken and Black Bean Wrap
Lemon Olive Chicken
Chicken and White Bean Chili
Chicken Tortilla Soup
Rosemary Chicken Breasts
Creamy Chicken and Broccoli
Chicken Pumpkin Soup
& Many More.
==============================================Portable Pies [Kindle Edition]
http://www.amazon.com/Portable-Pies-ebook/dp/B00B8V0PPU/ref=sr_1...
Pub. 1/30/13Bakers in the American south have been making homemade fried pies for their families for generations. Generations of people have grown up with the knowledge of how to make homemade fried pies. There are countless types of mini-pies that can be fried -- fried chocolate pies, fried apple pies, fried apricot pies, fried peach pies, fried cherry pies and nearly every other kind of dessert deep fried pies. This book lists as many deep fried pie recipes as we could gather from many sources. Our grandmother's memory is strongly invested in every one. Our book covers the various types of fried pie dough recipes, both how to make fried pie dough and how to buy premade dough for fried pies at the store to how to convert pecan pie into a fried pie recipe. This is definitely not a health food book, but it does condense the many happy memories of childhood for many people over countless years. There's simply nothing in the world that tastes better than deep fried pies. The recipes include:
Modern Traditional Fried Apple Pies
Savannah Sunny Fried Peach Pies
Big Easy Apple Raisin Fried Pies
Easy Biscuit Apricot Pies
Boysenberry Fried Pies
Old-Fashioned Hot Kitchen Blueberry Fried Pies
Quickie Crisp Pies
Fried Dried Apple Biscuit Hand Pies
Nanny's Dried and Fried Fruit Pies
Chocolate Fried Pies
Fried Cream Pies
Fried Cherry Nut Pies
and more!
=============================================Freezer Meals: Delicious and Easy Make-Ahead Meals [Kindle Edition]
http://www.amazon.com/Freezer-Meals-Delicious-Make-Ahead-ebook/d...
Pub. 1/21/13Tired of spending long days in the kitchen?Freezer meals allow you to cook once and have multiple meals ready to go at a moment's notice. If you've ever spent an hour cooking dinner after work and thought there has to be an easier way, make-ahead meals are the answer to your prayers. This book gives you a rundown of what freezer meals are and what foods can and can't be frozen successfully. Whether you want to cook a month's worth of meals in advance or you're just looking to make extra food to store away in the freezer, this book will help you on your way. Buy Freezer Meals: Quick and Easy Make-Ahead Meals today and start enjoying all the free time you'll have during the week.
===========================================Desserts in a Flash (Fast Food From Home) [Kindle Edition]
http://www.amazon.com/Desserts-Flash-Fast-Food-ebook/dp/B007K09P...
Pub. 3/12/12Sometimes a meal just isnt complete without a dessert. And sometimes a craving for dessert can happen in the middle of preparing the main meal.Sometimes to complete a meal, or satisfy a craving, you need a dessert that can be ready quickly. Most of the recipes in this book are designed to fill that need. All are designed to be assembled quickly, but some may be chilled or frozen to be served later.Satisfy your sweet tooth and stay on your time schedule. How sweet it is!
===============================================Blood Sugar Diet Recipes: For Losing Weight and Preventing Diabetes (How to actually use diets) [Kindle Edition]
http://www.amazon.com/Blood-Sugar-Diet-Recipes-ebook/dp/B00C0I5Q...
Pub. 3/23/13
We Recommend this for Blood Sugar Solution Dieters
On Sale for a Limited Time!
All the best recipes for the Blood Sugar Diets in one place
The Blood Sugar Diet programs have taken the health and fitness industry by storm and if you don't act fast you'll miss out on the results. The Blood Sugar Diet programs are based around balancing your insulin levels and gives you a six week program to achieve great health, weight loss and prevention of diabetes. It's knowing what to eat that's the hard part, but we've made it easy by giving you plenty of recipes that you can choose from. Our Recipes are sorted into "Breakfast, Lunch, Dinner and Dessert" and we include the calorie count, so you can limit your calorie intake if you wish to. Our recipes are so tasty and creative that you'll never get bored of them....even if they are healthy!
Some of the recipes included:
Delicious low sugar Fruit bread | 105 Calories
Spicy Chicken | 185 Calories
Beef in Gravy | 309 Calories
Baked coconut fish | 195 Calories
Strawberry Crumble | 176 Calories
and many many more!
Eat your way to the body of your dreams in no time with our easy recipes that will have you eating great foods every day
=====================================Ever Shade (A Dark Faerie Tale #1) [Kindle Edition]
http://www.amazon.com/Ever-Shade-Dark-Faerie-ebook/dp/B009WVIDPW...
Pub. 10/24/12Ever Shade ~ a dark twist on faeries. For Shade, a chance meeting with a powerful Teleen Faery warrior who wields electrical currents and blue fires along his skin, has her joining him on a treacherous mission for the good Seelie Faerie Court across the land of Faerie. Magic and malice abound and nothing is what it really seems to be.The evil Unseelie Queen and her treacherous allies are around every corner as Shade makes her way across the breathtaking landscapes of the world of Faerie, which exists alongside the mundane human world. Shade discovers her own uncharted magic and meets some of the most powerful warriors in Faerie while battling evil dryads, conniving Teleen guards and challenges on her life with every step in a world where nothing can be taken for granted.
======================================Squidge: Little Elf, Big Trouble [Kindle Edition]
http://www.amazon.com/Squidge-Little-Elf-Trouble-ebook/dp/B004CR...
Pub. 11/17/12Who ever heard of an elf saving Christmas?Squidge is a little elf who wants to do what the bigger elves do. When he takes matters into his own hands and causes a disaster in Santa's workshop, Squidge runs away... and ends up going further than he would ever have dreamt. Can such a little elf save Santa and Christmas?
================================================The Tales of Big and Little: Doom of the Three Stones (Tell Me A Story Bedtime Stories for Kids) [Kindle Edition]
http://www.amazon.com/The-Tales-Big-Little-ebook/dp/B005G4Q9XM/r...
Pub. 8/4/11For Ages 6 to Adult. No illustrations or frills, just pure, awesome story! Your kids will love you for it!About The Tales of Big and Little - Part One: Doom of the Three Stones...
Big and Little are two dogs who love cheese. They would never have imagined
that this love would take them to another world, to do battle with the
ferocious feline, Shirlee, and his army of animated Pizza Crusts! Follow
Big and Little as they try to foil Shirlee's plans to take over the
worlds!
====================================================Black Hole Cafe #1 [Kindle Edition] (graphic novel)
http://www.amazon.com/Black-Hole-Cafe-1-ebook/dp/B00BJOJR7S/ref=...
Pub. 2/20/13Black Hole Cafe centers around Simon, an ex-assassin with the ability to shift between alternate realties. After receiving a vision of the multiverse collapsing in on itself, Simon travels to the Black Hole Cafe. He hopes to solicit the help of his closest friend Ethan, a man who has the magical ability to turn into a rabbit warrior named Kole. Together they set out to find the source of the vision, and stop the impending apocalypse.
=============================================================The BIG book of Paper Beads [Kindle Edition]
http://www.amazon.com/The-book-Paper-Beads-ebook/dp/B008ADKFJK/r...
Pub. 6/9/12This really is the BIG book of paper beading. It was designed with the beginner in mind but there's plenty to keep even an experienced beader interested! The wrapping method taught primarily is designed by the Author and is what she teaches in her classes. The paper beads she makes are made to be durable, wearable pieces of art- and YOU can make them too! It covers a History of paper beads, Paper Ed. 101, Bead board and why that's important, basic beads and shapes: oval, round, cylinder, cone and hourglass. Now let's step it up a notch: it covers simple techniques that make your beads a work of art and moves it into some shapes that are designed exclusively by the Author: two tone, double cuff and flat beads. WAIT! What about those amazing beads coming out of Africa and the Philippines? Yes- those are in there too! As well as so much more! But the most important part? This is a fun and easy craft that doesn't need any fancy tools or expensive materials. Great for all ages
====================================================How To Compost: Everything You Need To Know To Start Composting, And Nothing You Don't! [Kindle Edition]
http://www.amazon.com/How-Compost-Everything-Composting-ebook/dp...
Pub. 6/14/12
Lars Hundley cuts through the vast amount of information on composting in this quick and to-the-point guide, to give you the essential information you need to start composting now. This guide is for those new to composting and the following topics are covered:
* Types of compost bins and the pros and cons of each (as well as "no bin" options)
* Composting accessories and which are essential (answer: none!)
* What to put in your compost bin -- and what to avoid (sorry, dog poop is out)
* An easy way to balance carbon- and nitrogen-rich materials (no math involved!)
* Compost troubleshooting -- common problems and how to solve them (from sulfur to slime - it's covered)Whether you just want a pile in the backyard, or the latest in compost tumbler technology, this guide will get you off to a great start.
========================================================Declutter: The Busy Person's Guide to Decluttering Your Home and Your Life [Kindle Edition]
http://www.amazon.com/Declutter-Persons-Guide-Decluttering-ebook...
Pub. 3/23/13Decluttering is not just about having a clean house, although that can play a big part in it.
Do you want more time, energy and money to do what you want?
Are you constantly weighed down by all the excess junk in your life?
Are you tired of wasting time and energy dealing with things you don't even want in the first place?Are you looking for the kind of home where:
You're not always apologizing for the mess?
You actually look forward to inviting people over?
Distant friends and family can visit...and stay...because they can actually get into the spare room?
There is actually room in the garage for your cars?Decluttering is about how you feel in the space after you have it set up so that it is working for you.I know you're busy. I know that you think it will take you ages to get into this space. That's why I show you simple, quick and easy ways to declutter your home and your life.
I take you through each room in your house, step-by-step, and hold your hand.
In 15 minutes a day you will regain control of your life!
By the time you reach the end of this book, you will have worked through your whole house (including all your computers and mobile devices.)
You will also be well on your way to decluttering your mind.Decluttering is about you. Its about how you
feel
think
act.Its about how you do each of those things in your physical, mental and emotional states.The sooner you start decluttering, the sooner you can start enjoying the benefits:
Time to spend with your family and friends.
Energy to do the things you want to do with your life
Youll even have more money, because you won't keep buying things that you already have, and you may even have made some money by getting rid of things you no longer use.You'll be a new person and you'll like the new you!
------------------------------------------------Seed Saving for the Organic Gardener (Organic Gardening Guides) [Kindle Edition]
http://www.amazon.com/Saving-Organic-Gardener-Gardening-ebook/dp...
Pub. 1/23/13For the aspiring organic gardener, there's nothing more rewarding than growing organic crops from seeds you've harvested yourself. This book gives you the information you need to get started harvesting and planting your own seeds.The following topics are covered:
- Why saving seeds is preferable to buying seeds.
- The key difference between hybrid and open-pollinated seeds.
- Why you need to avoid GMO seeds at all costs.
- How to control cross-pollination of your plants.
- Bagging, isolating and boxing your plants.
- Growing healthy seeds.
- How to harvest seeds from a number of popular plants including artichokes, asparagus, broccoli, carrots, flowers, corn, strawberries, cucumbers, melons and more.
- Why you should avoid harvesting tree seeds (there's a much better way to grow trees).
- What heirloom seeds are and why they're important.
- Special handling of plants you plan on harvesting heirloom seeds from.
- The difference between organic and heirloom seeds.
- How to start your seeds once planting season rolls around.
- Sowing seeds in your garden.
===================================================Energy Vampires: How to Deal With Negative People [Kindle Edition]
http://www.amazon.com/Energy-Vampires-Negative-People-ebook/dp/B...
Pub 8/5/12One of the best "Vampire Books" you will ever read!
Especially if you are surrounded by negative thinking or negative people...
After being around certain people do you ever find youself feeling:
Emotionally exhausted
Drained
Tired or wanting to take a nap?
If so, then this is a good book for you!
Who exactly do energy vampires and negative people affect? Simple ... Everybody! So what is an energy vampire? You've probably heard the term "energy vampires" before, especially if you're at all interested in psychic ability or psychic development. But what exactly are energy vampires? They're not real vampires. Well, I guess they're real vampires, but not like the ones you see in Twilight ... "Energy vampires" feed upon your energy. In other words, their primary target is your spiritual body, not your physical body. "Energy vampires" are people who constantly draw upon other people's energy in order to help "recharge" their own system. So what do energy vampires and negative people have in common? They essentially do the same thing. They draw upon your energy, and they will have a very profound effect on your system, both spiritually and physically. Many times, they will wear you down to the point of exhaustion. However, unless you're aware of what is happening, you may not even notice the effects these people are having in your life, on a day-to-day basis. Empaths, this is the book for you!Empaths and sensitives are very susceptible to "energy vampires" more so than most other people. More and more people are discovering they are empaths in this new consciousness area. You may even be one and never knew it, until now. How do you find out if you are an empath? By reading this book!In The Book Find Out:How to spot an "energy vampire"
How to protect yourself against negativity
What to do if you if you are surrounded by negative people
How to tell if you are an empath!
How to protect yourself if you are an empath
What effects "energy vampires" have on your spiritual and physical health
How to live in a world filled with "energy vampires"
And the very important...energy vampire first aid!
STEAM LINKOrcs Must Die! 2 - $3.74Orcs Must Die! 2 - Complete Pack - $6.24
Includes (Individual prices in "()"):
-Orcs Must Die! 2 ($3.74)
-Orcs Must Die! 2 - Are We There Yeti? ($1.24)
-Orcs Must Die! 2 - Fire and Water Booster Pack ($1.24)
-Orcs Must Die! 2 - Family Ties Booster Pack ($1.24)Orcs Must Die! 2 - Complete Pack - 2-Pack - $9.99Orcs Must Die! Franchise Pack - $8.74
Includes (Individual prices in "()"):
-Orcs Must Die! ($2.49)
-Orcs Must Die! - Artifacts of Power ($0.49)
-Orcs Must Die! - Lost Adventures ($0.74)
-Orcs Must Die! 2 ($3.74)
-Orcs Must Die! 2 - Are We There Yeti? ($1.24)
-Orcs Must Die! 2 - Fire and Water Booster Pack ($1.24)
-Orcs Must Die! 2 - Family Ties Booster Pack ($1.24)DLC
Orcs Must Die! 2 - Are We There Yeti? - $1.24
Orcs Must Die! 2 - Fire and Water Booster Pack - $1.24
Orcs Must Die! 2 - Family Ties Booster Pack - $1.24
Orcs Must Die! 2! - Soundtrack - $1.49Orcs Must Die! - Artifacts of Power - $0.49
Orcs Must Die! - Lost Adventures - $0.74
Direct Link for Orcs Must Die! 1
One of my absolute favorite games. I cannot recommend this game enough, especially if you play the co-op!
STEAM LINKOrcs Must Die 2 - $3.74Orcs Must Die 2 - Complete Pack - $6.24
Includes (Individual prices in "()"):
-Orcs Must Die! 2 ($3.74)
-Orcs Must Die 2 - Are We There Yeti? ($1.24)
-Orcs Must Die! 2 - Fire and Water Booster Pack ($1.24)
-Orcs Must Die! 2 - Family Ties Booster Pack ($1.24)Orcs Must Die! 2 - Complete Pack - 2-Pack - $9.99Orcs Must Die! Franchise Pack - $8.74
Includes (Individual prices in "()"):
-Orcs Must Die! ($2.49)
-Orcs Must Die! - Artifacts of Power ($0.49)
-Orcs Must Die! - Lost Adventures ($0.74)
-Orcs Must Die! 2 ($3.74)
-Orcs Must Die 2 - Are We There Yeti? ($1.24)
-Orcs Must Die! 2 - Fire and Water Booster Pack ($1.24)
-Orcs Must Die! 2 - Family Ties Booster Pack ($1.24)DLC
Orcs Must Die 2 - Are We There Yeti? - $1.24
Orcs Must Die! 2 - Fire and Water Booster Pack - $1.24
Orcs Must Die! 2 - Family Ties Booster Pack - $1.24
Orcs Must Die 2! - Soundtrack - $1.49One of my absolute favorite games. I cannot recommend this game enough, especially if you play the co-op!
$2.99 Novel Download...BREE... THAT'S ME!! by Cherelle Cooper
Added on : Saturday March 30th 2013 12:00:02 PM
Found this deal for an up and coming authors new book release. The link is to the author's web page where they can read more about her and her work as wells as download her novels directly to their computer.Short description:
Briana Douglas is a 17-year-old girl whose mother died when she was young. Since then, she has been taking care of things at home as the only female among her dad and 3 brothers. When her family up and moves from their hometown, things start heating up. Part two of a touching two part series! Extended description:
17 year old Briana Douglas is suddenly uprooted from her hometown of San Diego, California by her father due to a job offer. Since the death of her mother at age seven, it has been Bree's three brothers, her father and her for the majority of her life. At her new school, Briana makes two new friends named Brooklyn and Cassie; Cassie she later finds out is a teenage mother in school. Things take a different turn when Bree meets Jordan, as she is intrigued by him instantly. However, along the way some skeletons start coming out of certain closets. In this story of love's ups and downs, Bree has to overcome obstacles in her relationship and friendships in order to make herself truly happy. Part two of two. Download here:
http://www.cherellecooper.com/Cherelle Cooper Biography:
I am 26 and a mother of two...Besides being a mother, my professional background is that I work full time as an administrative assistant at an Aerospace Company in California. I am also currently going to school full time to get my Bachelors Degree in Business Administration.I enjoy reading, writing, and making music, as far as playing guitar and singing. I enjoy writing stories aimed towards teenagers (since at one point I was a crazy one, lol) and love stories and I hope to become an author one day! I absolutely love, love, LOVE all different types of music. Another thing I love is tattoos...I currently have 13 and counting...Hope you all enjoy my stories... I spend numerous amounts of time on them!
Free Soyworx Scented Soy Tealight Candle
Added on : Thursday March 28th 2013 11:00:48 AM
http://www.soyworx.com/Try Soyworx Soy Candles for Free!
Were so confident youll love our premium soy candles, well mail a Free Scented Soy Tealight Candle to your house absolutely free-just for joining our mailing list & liking us on Facebook! Click here to sign up and get your free soy candle! Please allow 6-8 weeks for delivery of your free sample. Free samples are limited to the first 500 requests per month. If requests exceed 500 per month your request will roll over into the next months requests.
New Arrivals: A.Testoni - Dark Brown Woven Leather Loafer
Added on : Wednesday March 27th 2013 09:01:10 AM
With their classic shape and impeccable Italian artisan craftsmanship the loafer shoe feature soft woven dark brown leather and genuine leather soles for a look that combines formal elegance with absolute comfort. Made in Italy
just saw this tonight at the best buy in bailey's crossroads, va. signage specifically states mobile upgrade check coupon, but probably safe to assume they've worked out the kinks by now. too bad it's not in time to get adjustments from the $10/$25 gift card with $50/$100 bluray purchase in-store (15 days), unless you're premier (60 days), or the promotion continues next week.below is taken from aamine's thread from last time, just updated:"BEST BUY UPGRADE AND SAVE PROGRAM -- Begins April 21, 2013 through the end of business May 11, 2013Bring in an original, commercially released DVD (no burned copies) with its original case and you'll receive a $5 coupon that's valid on select Blu-ray movies. Just head to the customer service counter at a Best Buy store near you for complete details and to take part.For those have participated before the expected Upgrade and Save will be starting in a little less than four weeks. For those who have not, this can be a pretty good program to trade some old DVDs for $5 coupons to buy Blurays pretty cheaply It looks like a full 3 weeks this time. This is the 5th or 6th time for this version of the program, but each time it works just a little differently and if you go the first couple days of the program you may get some questionable looks. The program seems to have settled into a quarterly deal averaging 3 weeks -- 4 wks last summer, 2 wks in October.Assuming all past rules apply this is the program FAQ. Even more than usual YMMV applies -- there are lot of different scenarios for this program and it seems each store and each manager seems to have a different playbook. This program gets a lot of different responses.1) Trade in ANY DVD for a $5 credit toward purchase of ANY $9.99+ Bluray in stock at Best Buy B&M. This is basically an instore only deal.-- Limit 5 per visit. Per visit is most often interpreted as 5 per day per customer, but many people have just walked out and come back in immediately or later the same day with 5 more discs. Plenty of people have done far more than 5 at a single visit as long as the store allows the exception.-- No stacking of coupons. One Coupon, One Bluray . A Single $5 discount coupon is allowed per Bluray or Bluray boxset (it may be the only rule I've never seen stretched). A boxset of 3 movies will not allow 3 coupons and you can't use 2 or 3 coupons on a single Bluray under any circumstance.-- Most of the time the coupons have an expiration date co-coinciding with the last day of the program so you can't save them and use them next month.2) Trade in DVDs do not have to be same title as Bluray. Boxsets are most often counted as 1 DVD so if you bring is a set with 4 movies in one case then you will likely be given 1 coupon and not a coupon for each disc. If your set has for cases in a boxset, just toss the box. If you have a TV series with 5 cases, bring them in as individual pack and not as a set. This works best if each case has a UPC code (S1, Disc 1). I've also found that if you bring in a bunch of discs of the same season, same show then some clerks will balk so best idea is to bring 1 (slim)case from each set and make another trip later or be prepared to discuss the details.-- If somebody pulls up a list off Google of 100 or 150 Old Blurays that are "Only Movies Allowed" then they are likely showing you the lists for May or October 2011 which were restricted to certain titles. The Google lists get pulled up everytime this program is live either online or even instore -- check the dates on the list. If someone tries to tell you only same titles can be exchanged then they are incorrect. This is not the same of Selling/Trade-In for Used Video Games and every time there are lots of people who get sent to the Video Games Department by employees thinking you are selling items. The Upgrade and Save program is separate and almost always handled at the Customer Service Counter.3) DVD must be a commercially produced discs (no burned copies)4) No adult DVD that are specifically XXX content whether they are rated XXX or not.5) Discs are supposed to have the original case and artwork and the discs are meant to be at least presentable -- the disc at least should look like it can be played. Many stores require the UPC to be intact. Some stores check things pretty closely (right disc, right case, right UPC, disc condition) and others just toss the case into the recycle bin without any screening. In reality discs in anything that look like regular case are often accepted by some stores including those is Blockbuster/3rd party cases with rental stickers and and nowhere near original artwork and UPC.** Are HDDVD or HD-DVD combo packs eligible. This has been a YMMV issue and some places people have been given credit for both type discs, others only if it was a combo, and some stores refused to consider it at all for the trade-in. If you run into this issue either try a different store or call 1-800 BESTBUY and see if they can clarify the issue for you or your Store Manager.6) Bluray -- all current and new release Bluray priced $9.99 or above should be included. Music Blurays have been included since the April 2012 program which is different than previous sales. Preorders are not included. Discs not in store can sometimes be ordered from BBY.com and some managers will apply a coupon to that item, but ....7) Each store in the past had there own logistics of how to work the program. Most stores would make you stop at the entry and have your used discs stamped/marked/taped.-- Many stores had you bring the used DVD to the Service desk, check them out to make sure they met criteria and gave the customer a preprinted coupon(s) with a receipt attached to the coupon/barcode. Some stores gave the customer a Copied sheet of paper with the UPC bar code and attached receipt to 'activate' the sheet of paper. The coupon could them be exchanged at the regular register for the Bluray you were purchasing and the barcode automatically deducted the $5 at sale. This allowed you to take your coupons out of the store and purchase later. The expiration date on the official coupon is usually the last day of the sale. . If you are given a coupon with a receipt attached do not detach them or your coupon may well be disallowed.-- Some stores required you to bring/leave your DVD at the Customer Service desk, then bring your Blurays to the Service desk to complete the purchase. No coupons were given out so you had to exchange and purchase the discs the same day.-- Some stores would allow you to trade your DVD for a coupon at the Service Desk, but each coupon was marked/Dated and you were told it was only valid for the date on the coupon and in that specific store. [Only had this happen once and I have no idea what would have happened if I took the coupon to a different store or brought it back to the same store later.]8) Discounts should be taken from the actual Selling Price of the Bluray on the day of purchase despite the fine print on the coupon saying "Discount taken from Regular Price." This has and will likely continue to be a contentious point until corporate absolutely clarifies the issue or changes the language. BBY ads often show discs with Sale Prices and then subtract the $5 U&S coupon so logically that should apply to all other discs.9) Price matching and also using $5 coupon is a big YMMV since this can be most certainly considered combining offers or double dipping much in the same way that PM and getting a gift card for purchase is often considered doubling up. Since the U&S is considered a Store coupon it should be applied to the price before trying to PM unlike a Manufacturers coupon (this difference is spelled out very specifically in Target and other stores coupon use policy, but not specifically in BBY policy).10) There should be absolutely no arguments about using Reward Zone certificates during purchase.11) Additional Manufacturers Coupons SHOULD BE allowed and should be considered the same as cash or a gift card on top of the $5 Promo. This doesn't mean it won't be argued and it certainly doesn't mean it will be accepted, but according the Best Buy's own Corporate Reps, the use of MQ should never be questioned whether it's a sales price or pricematch or promo.Multiple times the Best Buy Corporate Employees have had to repeat the phrase "The store should honor the coupon, even with the price match. Any valid manufacturers coupon displaying the manufacturers address, a barcode, and labeled as a Manufacturers coupon at the top should be accepted on the product listed, regardless of the price." If there are any issues call the 1-800 number in store and ask for a ruling (unfortunately this often ends up being decided "Manager runs his own store in his own way" unless it just flat out violates some policy. BBY.com community forums are the bet place to take issues and often will be decided in the customers favor with credits and RZ given to cover the missed discounts. Yelling and screaming in the store is not going to win you any arguments in store even if you are correct and will likely get security involved and irritate everybody else in the store.12) Buying a disc this week in hopes of applying the coupon next week will work, but it should work as a return/Rebuy so if the price is higher next week it may not always save you money. As usual there is some YMMV whether some stores will allow you to repurchase the same disc unless the store has current stock. The same can be said of ordering discs online for pick up at the store -- some stores have allowed a return/rebuy to add the coupon and some stores have refused to do this.13) Only USED DVD or HDDVD movies are normally allowed as trade in. . Best Buy is only supposed to accept used DVDs, so make sure the DVD(s) you're bringing in to trade are unwrapped. They will sometimes refuse to accept them if they're sealed. If you find some sealed DVD cheap and bring them to the store sealed, there have been issues. The easiest thing to do is just open them.14) Where to find cheap DVDs: If you don't have any spare DVDs laying around that you wish to part with, there are a variety of places to find cheap DVDs for less than $1-$2 each. Pawn shops, thrift stores, garage sales, flea markets, dollar stores, and eBay Several people have had success at Dollar Tree, where select DVDs can be found for 25 cents, and some titles even for 1 cent. *Disclaimer* Finding these 25/1 cent DVDs is a YMMV situation. Some stores have them, some don't. Some BBY stores have balked at accepting these essentially throwaways in slim cases or cardboard sleeves though technically they are commercially
manufactured and in their original cases so you should prevail..Bringing 5 of the exact same item in for trade in -- often these cheapo discs can raise some eyebrows so if you can divide them up and bring in 5 different items it will go smoother though not to say it won't work15) Most people have failed at trading in Blurays for coupons even if there is a DVD in the case.16) If you have a multidisc DVD with those removable trays for extra disc, it is best if you just bring in the case with the tray out and you can keep the extra disc (cool for bonus material). Empty disc trays do raise suspicion at the service desk.17) Nobody knows exactly what happens to the old discs and cases. The official word is they are recycled at some national recycling center -- whether this means they are donated to charities for a tax deduction, sold to 3rd party resellers, or just destroyed is murky."last time this came around they didn't take the receipt or coupons from me each time, so i wound up being able to use the first four (plus one mobile upgrade check coupon) repeatedly, somewhere near twenty times. it also conveniently overlapped with the $50 off $100 mastercard botching, so i had a few fun trips getting that all sorted out. all in all, a pretty decent haul though, so if you're looking to expand your collection a bit..here's your chance!
Best Buy Coupons
Used Car Buying question
Added on : Tuesday March 26th 2013 11:01:20 AM
Greetings,I had a question about buying a used car. I have read any and all posts on here about car purchasing and feel extremely confident about what is expected when shopping for a car. Here's my question...Backstory - we were gifted with a '99 explorer 2 years ago. Great SUV. Absolutely great. Well 2 weeks ago I was in a car accident and it was totaled. Our family have been proudly car payment free for many years (our other car is a '02 avalon). We knew eventually a car payment was in our future, but not for as long as possible. We started looking around at used SUVs and liked Chevy. With lots and lots of research we test drove one at the local dealership. As soon as the salesman walked up we told him, 'we are here to test drive. we have the rental car (courtesy of the insurance company) for XX more days and will not be buying before then'. At the end the salesman became semi-rude with us, asking what we were doing at the dealership if we weren't buying. It was a Thursday afternoon and was DEAD. We also had told him from the start we were only there to test drive.Anyways we left, but were annoyed at how rude he was to us. The problem is, after doing lots of research in two markets, that dealership still has the best deal on the traverse. What would you do? I don't want to give the dealership our money, but I also don't want to pay more than we have to.
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Colgate Total 4-4.2oz $1.99
Softsoap Body Wash 15-18oz or Liquid Hand Soap 8.5oz 2/$7
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Dove Body Wash 18-24oz, Cream Oil Lotion 13.5oz, Dove, Caress or Lever Bar 6-8pk 2/$13
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$1/1 Dove Men+Care face care ets (RP 3/24)
$1/1 Dove Men+Care hair care ets (RP 3/24)
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$1.50 ECB wyb (2) Select Right Guard or Dry Idea APDO (Excludes Twin Packs and Aerosols) 2/$6 Limit 1
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Jergens 16.8-21oz, Curel 13oz, Biore Cleanser 4.5-6.77oz, Towelettes 30ct or Pore Strips 6-8ct $7
Jergens Natural Glow (Excludes TS) $9
Select John Frieda Hair Treatments $8
John Frieda Shampoo, Conditioner 8.45oz or Styler 3-12oz $6
$2/1 Jergens Natural Glow 3 Days to Glow Moisturizer, (SS 03/03/13 R)
$1/1 Jergens Natural Glow Moisturizer, Excludes 2-oz. (SS 03/03/13 R)
$3/2 John Frieda Product, (SS 02/10/13)$5 ECB wyb (2) Pert Classic Clean 25.4oz, Infusium Shampoo or Conditioner 16oz 2/$10 Limit 1$5 ECB wyb ANY Schick Cartridges (Excludes Clearance) Limit 1$2 ECB wyb Gillette Venus Razor 1ct Limit 1
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$5/1 Claritin 15ct+ (SS 3/24)
$3/1 Claritin D Non-Drowsy, 15ct+ (SS 03/10/13)
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- $5/1 MQ Coming in 4/7 Sunday Paper$10 ECB wyb (2) Prilosec 42ct 2/$50 Limit 3$10 ECB wys $30 on These Products Limit 1
Scott Bathroom Tissue 12-18pk $7.77
Scott Choose-A-Size Mega Roll Paper Towels 6pk $5.49
Cottonelle or Cottonelle Ultra Bathroom Tissue 18pk $8.99
All Liquid 28-33 Loads or Might Pacs 24ct $3.99
ALL Huggies Jumbo Pack Diapers, Pull-Ups or Goodnites $9.49
Kleenex Regular 100ct with Lotion 70ct or Upright 60ct $.99
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Nexus 7 8GB Refurb $139.99 Shipped @ 1SaleADay
Added on : Thursday March 21st 2013 04:00:03 PM
Title says it all.It's the older 8GB version of the Nexus 7. It has a 7 inch screen. It has a Tegra 3 processor. It is refurbished.
It absolutely doesn't suck. and it's available for $139.99 shipped.Nexus 7 8GB @ 139.99I know it's long in the tooth, but how often do you see a tablet with a good quad core CPU for < $140 shipped.
1SaleADay Coupons
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Added on : Monday March 18th 2013 03:00:43 PM
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The Power of Communication: Skills to Build Trust, Inspire Loyalty, and Lead Effectively [Kindle Edition] - was $26.99Helio Fred Garcia (Author) http://www.amazon.com/dp/B007VONQYKPublication Date: April 23, 201245 Reviews ★★★★Communication is the absolutely indispensable leadership discipline. But, too often, leaders and professional communicators get mired in tactics, and fail to influence public attitudes in the ways that would help them the most. The Power of Communication builds on the U.S. Marine Corps' legendary publication Warfighting, showing how to apply the Corps' proven leadership and strategy doctrine to all forms of public communication and achieve truly extraordinary results. World-renowned leadership communications expert, consultant, and speaker Helio Fred Garcia reveals how to orient on audiences, recognizing their centers of gravity and most critical concerns. You'll learn how to integrate and succeed with all three levels of communication: strategic, operational, and tactical. Garcia shows how to take the initiative and control the agenda respond to events with speed and focus use the power of maneuver prepare and plan and put it all together, becoming a "habitually strategic" communicator.
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Debunking Crugman, Bernanke and Co - deficits do matter
Added on : Tuesday March 12th 2013 08:02:19 PM
Sorry, I know it's a blog-like post, but I enjoyed the article By Laurence Kotlikoff and just must share:
Krugmans Four Dangerous Fiscal FablesThere are four dangerous fiscal fables afloat. The first is that taxes can be cut to raise revenues and lower the deficit. The second is that spending can be raised to raise revenues and lower the deficit. The third is that the deficit can be financed by printing money with no real consequences. And the fourth, and most dangerous, is that the deficit's accumulated value -- the official debt -- is a meaningful measure of our country's or any country's true indebtedness.Paul Krugman, who has been pleading for more deficit spending on a continuous basis in his New York Times column, is hawking all four fables. Pity our children if our policymakers continue to take his views seriously.The Deficit and RealityLet's start with the worst fable, namely that the debt Krugman is considering is, in fact, the right measure of our government's obligations. The measure Krugman is using is the official debt in the hands of the public, which is $11 trillion. But the true debt, known to economists as the fiscal gap, which includes all the off-the-book obligations of the government, is 20 times larger!These off-the-book obligations include the requirement, under current law, to pay today's 40 million seniors, on average, $30,000 per year in today's dollars in Social Security, Medicare, and Medicaid benefits through the rest of their days. They include the requirement, under current law, to pay today's 78 million baby boomers, when fully retired, $40,000 per head, in today's dollars, in Social Security, Medicare, and Medicaid benefits. They include the requirement to pay for all future military expenditures, all future welfare benefits, all future Supreme Court Justices salaries, and the list goes on.Like interest and principal payments on official government debt, these other payments are coming in the future. But of all the expenditures the government is promising explicitly or implicitly to make in the future, only those called "interest and principal payments" are being valued in the present and included in Krugman's measure of government debt.Perhaps Krugman should sit down with a 75-year-old and ask her whether she thinks the government has an obligation to continue sending her a Social Security check every month or a commitment, under Medicare and Medicaid, to help cover her future healthcare bills. Perhaps he should sit down with an admiral and ask whether the government has an obligation to build new submarines and maintain our fleet over time. Perhaps he should ask the head of the Department of Transportation whether there is a requirement to repair federal highways and build new ones.Krugman would quickly learn that these debts -- these obligations to spend -- are no less real and, indeed, a lot more real than the official debt. The official debt, after all, can be wiped out in real terms by printing money and raising prices. Not the case for our transfer payments and direct government purchases. They are either formally or informally indexed for inflation. As for the politics of who will get paid in a crunch, it's not the official debt holders. Just ask Greek bond holders how they fared in recent years compared to Greek retirees collecting state pensions.Paul Krugman is a Nobel Prize winner in economics. He should know the debt is not well defined -- that what's put on the books and what's kept off the books reflects labeling choices by successive Congresses designed to make the official debt as small as possible because, guess what, people like Krugman are writing about the official debt, but not the unofficial debt.Economists have been discussing this labeling problem and have been producing meaningful fiscal gap measures, that are label-invariant, for 40 years. I wrote a column called Deficit Delusion on this in the Public Interest back in 1984 and one in Science back in 1988. My most recent column is posted on the PBS Newshour site.Yet Krugman says in his most recent column that "I have yet to see any coherent explanation of why these longer-run concerns should determine budget policy right now." The coherent explanation is given by economic theory, which makes crystal clear that the choice of fiscal labels is economically arbitrary and that, as a consequence, the projected path of the government's short and long-term cash flows is arbitrary, and that, as consequence, economic theory does not distinguish short-run vs. long-run budget policy. What economic theory tells us is to look at the entire projected path of policy, measure its fiscal gap, and decide on the basis of the size of its fiscal gap whether the policy is sustainable.The equations of our economic models don't define the debt. It's that simple. Nor do the equations in physics define time or distance. In physics, how you measure time and distance is a matter of your frame of reference, which can be viewed as a language or labeling convention.When I was asked in 1988 by Science to write about economics fiscal relativity problem I was struck that the hard scientists could get this point so quickly and that so many economists could not. But, then again, economists are the tailors of this emperor's new clothes and have a very strong incentive to keep discussing fiscal policy using meaningless measures. Krugman is the chief tailor in this regard.The U.S. fiscal gap of $222 trillion is enormous and totally unsustainable. But rather than discuss the fiscal gap, Krugman discusses the official debt which is one-twentieth as large and, as indicated, a measure of the government's words, not its policies.Of course, once you have the emperor convinced that his new clothes are for real, you can take full advantage of his ignorance. Krugman is doing this with his readers. He's taking advantage of their ignorance by showing that a non-measure of government sustainability, intentionally designed to be as small as possible, is not of major concern. And in claiming that the long-run is distinct in terms of policy from the short run and can be ignored until we reach it, he's persuading his readers that they needn't worry about the fiscal Sword of Damocles suspending over our children's heads.This is fiscal child abuse pure and simple, and Krugman should be ashamed of his contribution to it. There is not a single dynamic model of the economy's dynamic transition being published in leading economics journals that doesn't include the constraint that the fiscal gap be zero. But Krugman simply discards what we academic economists call the government's intertemporal budget constraint.Let's be clear. Generationally speaking, paying for the government's spending is a zero sum game. Eliminating the fiscal gap -- satisfying the government's intertemporal budget constraint -- requires either a) an immediate and permanent 64 percent hike in all federal taxes or b) an immediate and permanent 35 percent cut in all projected government outlays including those called "interest and principal." If we wait a decade to take our medicine, these figures become 70 percent and 38 percent respectively. And, guess what? In that case, our children will face even higher taxes or lower spending over their precious lives.These aren't my estimates of the fiscal gap or what's needed to close it. They are my calculations based on the Congressional Budget Office's long-term fiscal forecast called the Alternative Fiscal Scenario. The CBO publishes this forecast in June each year. Last June the fiscal gap was $222 trillion. In June 2011 it was $211 trillion. It rose by $11 trillion between 2011 and 2012, which is the same amount as the entire stock of federal debt! The reason, in large part, is that baby boomers got one year closer to cashing in on all those Social Security, Medicare, and Medicaid payments which they are owed, but which have conveniently been ignored in tallying up federal debt.Krugman dismisses the terrible zero sum generational game we are playing with our kids. He sees our economy operating at less than full employment and says that if the government spends more on what it labels as purchases or transfer payments the economy will be stimulated, everyone will be hired, and the extra spending covered by the associated extra revenues.Something for NothingThis is the second fable -- demand-side voodoo economics -- that more spending will beget more taxes. But it's also the first fable -- supply-side voodoo economics -- that less taxes will beget more taxes. The reason is that cutting someone's taxes is, apart from words, no different that increasing their transfer payments so since Krugman believes that more transfer payments will pay for themselves, he must, perforce, believe tax cuts pay for themselves.Believing that we can get something for nothing -- that we can, in effect, produce mana from heaven by being more fiscally profligate -- is believing in magic. This is why President Bush, the senior, properly called such fantasies, when they were being espoused by Ronald Reagan, "voodoo economics." And when George Bush, the junior, cut taxes, Krugman routinely skewered him for doing precisely what Krugman is now advocating -- praying for mana.But let's assume Krugman has it right and that gambling yet further with our children's economic future will restore the economy to full employment. How much of the fiscal gap will go away? Precious little.Given the recent tax hike and sequester cuts, my guess is that this June's Alternative Fiscal Projection will look better, that the fiscal gap will fall to $200 trillion, and that we'll be short, on an ongoing basis, not 12 percent of GDP, but 11 percent of GDP.The CBO projection has the economy returning to full employment (defined as 5.5 percent) in 2017.If we could miraculously and immediately get back to full employment at no net budgetary cost via spending that pays for itself that would mean, at most, 5 percent more GDP for 4 years relative to what the CBO projects will arise. In terms of lowering the fiscal gap, this would contribute perhaps 2 percent in net revenue for four years against the 11 percent in additional net revenue needed in those years. But, and this is key, it would do nothing to come up with the 11 percent of GDP in net revenue needed for every year in the country's future beyond 2017. The point is that we'd still have an absolutely enormous fiscal gap to deal with even if more voodoo finance pays for itself and immediately gets the economy back to its potential GDP.Earth to Paul Krugman. We've just spent four years experimenting with demand-side and supply-side economics. During this time, the fiscal gap rose by $42 trillion to its current value of $222 trillion. If the fiscal gap in June is $200 trillion, as I predict, its $22 trillion decline won't reflect the healing power of your crude Keynesian voodoo policy, but real tax hikes and spending cuts.So as a means of achieve fiscal solvency, neither Keynesian demand management nor Reagan supply management is working. Yet Krugman and his partner in economic crime -- Larry Summers -- would say more voodoo medicine is needed. But we gave the patient a very big dose and he didn't respond.Meanwhile the underlying structural drivers of the long-term fiscal gap were ignored with all attention focused on the "short term." Again, every passing year brings us closer to all 78 million baby boomers receiving their benefits. These projected payments are like zero-coupon bonds. We're not feeling any cash-flow pain from them now, because Congress arranged the payment stream to delay when they come due. But they will come due shortly.Social Security, Medicare, and Medicaid expenditures are a 35 percent larger share of GDP today than in 2000. President Obama was able to stabilize this growth in his first term, but he didn't reverse it. Meanwhile, the way his healthcare reform was implemented could lead to explosive costs. There is a huge incentive under the Affordable Care Act for employers to shut down their health insurance plans, pay the relatively small penalty, and ship their workers over to the new health exchanges where the vast majority will get very large subsidies. This was one of the few things that Mitt Romney actually got right. But the Congressional Budget Office doesn't have this baked into their projections as far as I know.Don't Forget About InflationThe last fable -- fable three -- is that we can pay off our debts, no matter their labeling, simply by printing money. There is, today, a band of very prominent pundits and policymakers, I'll call them the Money Printers, who think the U.S., the UK, the Eurozone, and Japan can safely print tons and tons of money, pay their bills with this paper, and never have to worry about inflation. The ranks of the Money Printers include not just Krugman, but also Fed Chairman Ben Bernanke, FT columnist, Martin Wolf, Adair Turner, head of the UK's Financial Services Authority, the new Prime Minister of Japan, Shinzo Abe, IMF chief Christine LaGuarde, and the list goes on.But we've seen this movie for five years now, and it's a horror show. Since 2007, the developed world's central banks have roughly tripled the basic amount of money, called the monetary base, that existed in 2007. This has laid the groundwork for a tripling of the price level, i.e., for hyperinflation. Yet the printing presses continue to run at full tilt every second of every minute of every day. Here, again, we have reckless endangerment of our children with no accounting of the generational risks being imposed.In the last century, 20 countries ended up with hyperinflations by using the printing press to avoid taking fiscal responsibility. Now we have virtually the entire developed world printing money out the wazoo.Krugman's response is, "Where is the inflation? Where are the high interest rates?"My answer is give it time. The long history of fiscal and financial crises is that they happen abruptly, at a moment that seems not to matter, but in retrospect it was easy to see that the crisis would eventually materialize.I'm not a religious person, but this quote from the bible seems apt: "When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me."The belief in and practice of voodoo economics, extraordinary reliance on the printing press, and the intentional use of deceptive measures of our nation's fiscal obligations is, at its root, childish, selfish, and self-serving behavior by people who don't deserve the title of "adult."Laurence Kotlikoff is an economist at Boston University and President of Economic Security Planning, Inc. whose company markets Maximize My Social Security and ESPlanner (Economic Security Planner).
Advice Needed: I Want to Buy The Condo I'm Renting
Added on : Saturday March 09th 2013 08:01:01 PM
I've been renting a condo for 10 years. The owner met with me and asked if I would be interested in purchasing it. I am. I'll be a first-time buyer. I will have 20% to put as a down payment, but will need to finance the rest. I don't think I'll have any problems qualifying.The owner wants to have someone come through and assess the property so we can determine a price. We both have compiled our own lists of comps in the area. However, the comps generally are upgraded and improved units. This condo was built in the mid-80s and the landlord has never made any updates or done regular maintenance on it (she's an older lady). If it breaks, it gets fixed, but there has never been any proactive maintenance done. I've lived here 10 years and the carpets/flooring/cabinets/counter tops all need replacing (the counter tops/cabinets are original from when the condo was built). The hot water heater was replaced shortly after I moved in 10 years ago. I will absolutely get an inspection done, and will probably get specialists in to assess for mold and termites (which can be problems in this area).The HOA fees are relatively high, but it's run by a professional company and they have not asked the residents for any special assessments that I am aware of (at least going back 4 or 5 years). I plan to, of course, go over their financial books and meeting minutes. The HOA fee includes water, garbage pick up, sewer, landscaping, use of private rec center/clubhouse. The roofs in the complex were replaced 1 - 2 years ago. By my calculations I would probably spend a couple hundred less in mortgage payments + taxes + HOA than I presently do in rent (I'm making an educated guess at the price we'll agree to).Anyway the real question.... she has indicated that she would prefer using a real estate attorney rather than a realtor. I've done a fair bit of online research, watch HGTV regularly (lol), and have a few friends who have experience buying and selling homes that I can seek some guidance from, but the reality is that I am a first-time home buyer. Should I go along with this? She offered to have her attorney represent us both but I probably will decine that offer as I think it's smarter to pay an attorney out of my own pocket that is purely looking out for my interests. I think it's wise to get an attorney to review any finalized contracts anyway, but would it be a mistake for me as a buyer to not have a realtor involved? I know the seller pays the commissions, but as a buyer I can also use that as a negotiating tool. What are the pros and cons to this arrangement are there any potential pitfalls that I should be aware of?
529 plans...advantages while minimizing disadvantages
Added on : Wednesday March 06th 2013 03:00:58 PM
This is long, but hopefully worthwhile.The purpose of this post is to discuss how to take advantage of the benefits of 529 plans while minimizing the disadvantages. I am absolutely looking for feedback here. I am knowledgeable, but would not consider myself an expert. By posting here, the idea is that it may give others some good ideas, and/or have others improve on the ideas listed here and/or correct any information if it is wrong or misleading.Financial aid implications are based upon the FAFSA (Free Application For Federal Student Aid) http://www.fafsa.ed.gov/ formula.Advantages of 529 plans:
1) Possible state tax deduction
2) Money grows tax deferred
3) Money is tax free if used for qualified higher education expenses (QHEE)
4) Money is generally out of the estate of the owner and escapes probate
5) Accelerated gifting can be used. This allows one to do 5 years of gifts at one time. A husband and wife combined could gift $140,000 into a plan without eating into their lifetime exemptions.
5) If the 529 plan is owned by a dependent student, it gets counted as a parental asset instead of a student assetDisadvantages of 529 plans:
1) If it is not used for QHEE, the gains are all taxed as income.
2) Depending upon the reason why it is not used for QHEE, it may also be subject to a 10% penalty.
3) It is a countable asset for financial aid purposes if either the student or the parent owns the plan. This is true even if the beneficiary is not the student.
4) If someone other than the parent owns the 529 plan, it is not a counted asset, but it will be treated as student income the year after it is used.Let's keep in mind that this isn't about whether a 529 plan should be used as opposed to HOW it should be used when one makes the decision to use one.Here's an example of a 529 plan without the benefit of actual planning: "Jim" opens up a 529 plan. He has two children. It is funded with $100,000 and it grows to $150,000.
1) Jim needs $25,000 to pay for something having nothing to do with QHEE. He takes an unqualified withdrawal. Withdrawals are proportional between basis and gains. He would owe taxes and penalties on his $8,250 gain. If he pays a combined 30% state/federal tax, the distribution will cost him $2,475 + $825 penalty =$3,300.2) At some point, he puts back in that $25,000 and it is again worth $150,000 and it does get used for QHEE. When they apply for aid, this $150,000 asset can increase his expected family contribution (EFC) by $8460 ($150,000 x .0564).
Here are some general possibilities of things that can be done to negate the disadvantages:1)Underfund it instead of overfund it.
2)Set up multiple plans.
3)One plan should take advantage of the state tax benefits.
4)Each plan should be invested very differently
5)Allow a very trusted relative to be the owner of one of the plans.Here's an example of how proper 529 planning can negate the disadvantages:Jim is still going to fund 529 plans with $100,000 and it will still grow to $150,000. Instead of opening one plan, he opens up four plans with $25,000 each. Each plan is invested very differently.
529 plan #1: Jim owns it: Grows to $40,000
529 plan #2: Jim owns it: Grows to $45,000
529 plan #3: Jim owns it: Stays at $25,000
529 plan #4: Jim's dad owns it: Grows to $40,0001) Jim needs $25,000 to pay for something having nothing to do with QHEE. He takes an unqualified withdrawal from 529 plan #3. There is no gain, so there are no taxes and no penalties.2) At some point, he puts back in that $25,000 and we will keep calling it 529 plan #3. Jim and his son are going to fill out the FAFSA in February or 2013. His son will be attending school starting in August of 2013. In December of 2012, he takes a non-qualified withdrawal from 529 plan #3. There are no taxes and penalties since there is no gain. He takes the money and puts it into an uncounted asset (pay off his house, annuity, etc.)He changes the beneficiary of 529 plan #2 to his daughter. He then changes the ownership to her making it an UTMA/529.In January of 2013, he cashes in 529 plan #1 and puts the money into an uncounted asset529 plan #4 should be left alone.For FAFSA purposes, the $150,000 is now $0. 529 plans 1 and 3 no longer exist. 529 plans 2 and 4 are not counted assets since neither Jim nor his son are the owner. If the QHEE end up being $40,000 or less, the withdrawal from Plan #1 is qualified and there are no taxes or penalties. If, for example, the QHEE is only going to be $25,000, $15,000 can be rolled back into a 529 plan within 60 days and there won't be an unqualified withdrawal. I don't know if it is Kosher to remove money from a 529 plan and then put it back in to avoid it being counted. If it is not ok, 37.5% of the gain would be taxable and subject to penalty. ($25,000/$40,000= 62.5% basis and 37.5% gain) The gain is $15,000 ($40,000-$25,000 basis). $15,000 x .375 =$5625 non qualified withdrawal = $1,687 taxes + $562 penalty = $2250. (Better alternative: just remove $25,000. This would leave $15000 in countable assets. Impact on EFC: $15,000 x .0564 = $864.The end result due to Jim's planning is that he still received all of the benefits of 529 plans, but none of the disadvantages. The money still grew to the same amount. He still got whatever upfront tax breaks were available. The money still grew tax deferred. It is still tax free for QHEE. He saved $3300 in taxes on his early distribution and his college costs may be more than $8,500/year less.
Feedback?
Newegg PSU KINGWIN Platinum AP-550 59.99$ after MIR and Coupon
Added on : Thursday February 28th 2013 09:00:02 AM
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Pine trees burned on property -- casualty loss on taxes?
Added on : Wednesday February 27th 2013 07:01:11 PM
Hey all,One of the teachers at my school posed a question to me: With her medium-to-large property having been filled with pine trees, and a wildland fire destroying virtually all of the trees on her acreage, is she eligible for any kind of tax deduction? She's wondering if it's worth even going down that road of pursuing the option.I'm not looking for an absolute sure-fire answer, but essentially I would like to try to answer her with either:1) No, it's not going to be worth trying to do. Just move on.
or
2) Go see a professional and proceed with the tax deduction if possible (under a casualty loss?).Any advice? Is this going to be something where if she doesn't have before-and-after appraisals that she would be sunk, or could county appraisal records or similar be helpful potentially?
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Where to get yield?
Added on : Friday February 22nd 2013 11:01:05 AM
I'm currently helping a relative set up a retirement portfolio. Mid 50s, disabled, recently received a lump-sum from social security. Absolutely cannot earn a salary or do much of anything to earn a living. My experience is all with common stocks, mostly value-investing (obviously) in an aggressive way because I am young.1. In normal economic times, I would recommend that this person put a lot into bonds. However, bond yields are awful right now, and I believe they are risky because interest rates can't go much lower, but could go way up. Am I wrong? Are there certain bonds I should consider? If so, what vehicle should I use (managed mutual fund, index fund, etc.)?2. What about preffered stock? Are these a better risk/reward ratio right now? If so, how should I buy them (again, mutual fund, index fund, etc.)3. Defensive common stock? I'm thinking about utilities, safer companies like PG, JNJ, pharmaceutical and healthcare stocks? These have better dividend yields than many of the bonds out there, and more upside, but they also have some downside risk.4. Something else I'm completely overlooking?5. What would be an optimal portfolio of these asset classes? i.e. 50% utility/defensive stocks, 30% preferred stock, 10% S&P 500, 10% mid to small cap? I'm looking for maybe 8% return with the lowest risk I can get.
Standard disclaimer: I will not interpret anything as financial, tax, or legal advice. Just looking for ideas.
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The Microsoft Wireless Mouse 4000 lets you control your computer from wherever you choose to work-without any wires. Featuring a slick, contemporary design, the mouse combines the power of optical with the precision of laser so you get excellent performance on almost any surface. You can control common functions and switch between windows with a single click using Windows Flip in Windows 7. With four-way scrolling and Microsoft BlueTrack technology, the Wireless Mouse 4000 offers outstanding performance for all computer tasks. Thanks to its remarkable efficiency, you'll enjoy up to ten months of use from a single battery.Tether-free Roaming and Presentation
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Microsoft's BlueTrack Technology outperforms typical optical and laser mice. A large blue beam combines with a 1000-dpi image sensor to generate high-contrast pictures on virtually any surface. That means you'll get responsive, accurate tracking on almost any surface, including desks, floors, chair arms, and even your own pant leg.Long Battery Life
A single battery provides all the power your wireless mouse needs for up to ten full months. There are absolutely no cords to tangle or for you to trip over. Extend battery life by snapping the mouse's nano transceiver into its slot when you've finished your presentation or work tasks.Works Perfectly with Any Computer
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Specifications
Product Type Mouse
Mouse Type Cordless
Gaming No
Touch Capability No
Mouse Interface USB
Mouse Tracking Method Bluetrack
See Technical Details
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Is this a chargeback situation?
Added on : Tuesday February 19th 2013 11:01:01 AM
Let me preface this by saying that I've never done a chargeback before so I really don't know what it entails or reasons why it is generally done.I ordered DW roses for Valentine's Day and paid something around $150 for them. They were to be delivered to her work. They were never delivered that day, but my card was charged. The day after Valentine's Day, I called the flower shop and was told that their delivery vehicle had gotten in an accident and that's why several orders were never delivered. He offered to upgrade my order and include chocolates and a stuffed animal for free for the inconvenience. I told them that I just wanted a refund because I would look like a deadbeat if I sent them the day after (it would look like I forgot). He said that a refund would be processed.My wife was not at the office that Friday, over the weekend, or on Monday (she works at different offices throughout the week and was only at that particular office on Valentine's Day). Today, she showed up and found out that they were delivered the day after Valentine's Day (a full 8 hours after I called them to cancel the order) and the front desk at her office signed for the order. The order was what I had initially purchased (not the upgraded version). I immediately called the shop (a local florist) and the owner was adamant that I must pay for the flowers. He kept saying "so you don't think it's fair to have to pay something for the flowers?" I kept saying "absolutely not, I cancelled the order long before you delivered them." His argument was that they shouldn't have been signed for by the front desk at the office. I explained that she had no control over that and that he was more than welcome to come pick them up. In the end, he wasn't willing to refund the money.So what's the best way to handle this? Thanks in advance!
1L Listerine Cool Mint w/ FREE 250ml Listerine UltraClean - $3.97 at my local WalMart Store (zip: 16801). Although they had limited supply.
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May be you can add a $1.00 coupon from the listerine site and further reduce it to $2.97
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The $14,000 question
Added on : Friday February 15th 2013 04:01:07 PM
I've got 14k in CC debt on various cards that are about to end (at 0%) and 14k in savings and I'm about to transfer everything over to a NFCU CC for 0% for 12 months.While the idea of OPM and getting a 12 month interest free loan is appealing, in running the numbers, I'm realizing that decent CC/Credit Union/Brokerage bonuses meet or exceed the $105 that the savings account would earn (ignoring the fact that the interest rate could drop even further.)My credit rating has taken a bit of a dip because of utilization and 3 recent hard inquiries (Barclay NFL, NFCU, and a mortgage refi) and 2 other hard pulls are still there 1 has a couple months left before it falls off I think.Pros of leaving it in savings: emergencies, arbitrage opportunities (within reason), account opening bonus opportunities, $105 in interest (or less, depending).
Cons of leaving it in: false sense that I have that money to spend, credit score issuePros of paying it off: peace of mind, credit score, no temptation to spend/arbitrage money earmarked for debt
Cons of paying it off: huge emergency cushion gone (I have about 1 month's salary emergency fund right now, trying to grow that), $105 lost, other opportunities lost. I'm thinking of paying off half that would leave some wiggle room for emergencies/account opening bonuses, and my credit utilization, especially on the single card, would be down to reasonable levels and thus if a CC bonus offer came along that was worth a hard pull, I could do it.I've also considered moving half into a Lending Club account or some ETFs on the lower risk scale.I realize that like everything the answer lies within my own goals and comfort zone. But it kind of shocks me to think that with $14k on the table if I want absolute low risk I would have been better off taking a hard credit pull hit for a $200 bonus CC than a 12 month no interest/no transfer fee card.
Buffett Does It Again: Really In Love With His Heinz Deal
Added on : Thursday February 14th 2013 03:00:59 PM
Another brilliant deal by Buffett to acquire Heinz especially when you hear about some of the details of the deal. There is a reason why Berkshire is up 1% even though the acquisition price is much higher than the Heinz's recent all time high.The details that are coming out is that the majority of Buffett's stake is coming from preferred shares paying a 9% dividend. For all intensive purposes with a cash cow like Heinz with easily manageable debt this preferred stake might as well just be a bond paying a 9% yield since Heinz will never have any problems producing the cash flow to pay that dividend.So what he has essentially done is provided a several billion dollar loan to the uber safe Heinz at 9% because his partners on the deal 3G believe they can operationally grow the company(a much more dicey proposition given it's already massive market share in the business it's already in). Furthermore, I sincerely doubt with his stake and terms of the deal that 3G will be allowed to leverage of the company any more than it is risking the revenue that supports Buffett's high dividend income stream.And that means that Buffett has successfully engineered a deal where he gets to strip out a large portion of Heinz's cash flow and 3G is left trying to operationally grow the company with reduced cash flow after the dividend payments and likely without any ability to leverage the business any more than it is.So in case anybody could be curious as to why in an M&A deal Heinz would be way up and Berkshire also up, it's because if 3G was a publicly traded entity it would be down as the details broke.Got to love how he puts these deals together. Absolutely genius!
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Question about mutual funds
Added on : Tuesday February 12th 2013 01:00:57 AM
My wife and I have a non-IRA mutual fund that is doing very well. In fact, it is up 27% right now. We contribute a small amount every month employing the dollar cost averaging method. Up until about 6 months ago, I wouldn't have thought about touching the funds in there unless we absolutely needed them. I've always heard that mutual funds were meant for the long haul and you shouldn't pull anything out until you need it. My goal was to get the most money in my mutual fund. Well about 6 months ago I got into stock investing, specifically dividend growth stock investing and now my goal has changed slightly. Now I can see the benefit of trying to get more shares as well as trying to get the most money. Now, I'm thinking I should sell some of the shares in the mutual fund to take a profit and then wait until the fund drops down to 5% or 0% and buy back shares at a lower cost per share therefore getting a lot more shares. So when it goes back up again, I'll have even more money. Does anyone see anything wrong with this idea? I'm assuming I would be taxed on the amount I sold.
Thanks for the advice.
Mike
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Hello all, after browsing fatwallet for a while I decided to join the community! I always enjoyed reading the forums and browsing the deals so it's about time!Now as for my question for you all, here's my current situation: My current car is on its last leg but I'm hoping to get another 4-6 months out of it (and if it dies beforehand it's not absolutely necessary I replace it immediately so the time frame will be that regardless). Now I have a pretty good credit score (based on creditkarma and creditsesame); however, I'm also interested in applying for a couple credit cards (like the Marriott Premier and Chase Slate). I know hard inquiries don't hurt that much, but I've always heard you aren't supposed to apply for other forms of credit if you know you'll be getting an auto loan or mortgage in the near future. If I apply for 2 or 3 cards do you think I'll be okay when applying for an auto loan when June/July rolls around?If there's any other information that I left out that would help to know then let me know!
Kill the mortgage, or do something else?
Added on : Sunday February 10th 2013 09:01:02 AM
29 years old and married, excellent credit, bought house in 2009 for $220K at 4.5%/30yr. $161K left on mortgage. House value has probably lost 2-3% at most (was appraised at $223k), but is still in the ballpark.We don't make a bunch of money, but live cheap and easily make our mortgage payment. We have a solid nestegg in our collective savings and I suppose if we scraped together every cent in every non-retirement account, we could probably pay off the mortgage with absolutely nothing left -- obviously do not want to do that. Why all this money just sitting around?? Basically, just living cheap and having a general fear of investing.Quite honestly in the beginning, I was complacent in paying extra toward the mortgage and in a way, just ignorant. I hadn't really stared long enough at the amortization tables to see how much paying early, extra, helped matters. We HAVE been paying a tiny bit extra toward the principal here and there, but nothing drastic. With interest rates on personal banking accounts being in the crapper and the tax deduction dwindling to basically nothing, it is really making me ill to see how much interest we're paying, especially given my "fear of investing" as previously stated. I'm actually obsessing over doing something more intelligent with the savings and this seems like the sure bet.The catch, is that I'm not sure how much longer we will stay in the home. Maybe 1 year... maybe 3 years, but I'd say no more than 5 at maximum.Even if we moved 8 months from now, correct me if I'm wrong, but doesn't it still make sense to pay toward the mortgage as much we can given that we have emergency savings? It is still an OWED amount we are paying interest on. I keep hearing "don't worry about it until you get into your next home" -- but I can't wrap my head around that. I guess the only question is whether we throw a re-fi consideration into the mix. I presume if we stay more than 1 year, the 15 year re-fi makes sense -- I'm not fully aware of the fees involved though.
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Added on : Saturday February 09th 2013 10:00:03 PM
Text
Mommy Tote
NOW $24.95Was $41.5840% Discount|Over $17 Savings
Color: Black
Every busy mom will agree that a well-designed diaper bag is an absolute essential, and this tote-style bag from Belly Basics is no exception. Its modern design includes an attached cell phone holder and is complemented by must-have features like an expandable bottom, zippered compartments and a spacious interior so you'll be prepared for anything. Dimensions: 20" x 8" 12.5"
Imported
Shipping:Totsy ships via U.S. Postal Service. Most items ship within 15-20 business days. Please review your estimated ship dates at checkout.Returns:All Sales Final, unless noted.
Questions? Please contact us or call 1-888-247-9444 (Monday to Friday, 9 am - 7 pm EST).
Large KONG Wubba Dog Toy $6.99 w/Free Shipping!
Added on : Friday February 08th 2013 06:00:05 PM
My dog absolutely loves these toys and they last much longer than others he's gone through in the past.
These retail for $12.99+ at Petco and PETsMART and Amazon's price is $8.41 each. At $6.99 w/ free shipping this is a pretty good deal!http://www.barkingdeals.com/deals/dogs/large-kong-wubba10
The Post Office's fight for solvencey
Added on : Wednesday February 06th 2013 01:00:58 PM
You've probably heard that the USPS is planning on dropping Saturday delivery later this year. I think a FW discussion of the USPS's financial (not to mention political) position and potential solutions would be interesting. Here are a couple good articles to kick things off:Felix Salmon
Felix Salmon said: The fight between the Post Office and Congress is a very peculiar one. Normally, when the government owns some incredibly profligate business, its Congress which tries to impose efficiency gains and fiscal discipline, while the business insists that all of its spending is absolutely necessary and that it has already cut to the bone. In this case, however, the roles are reversed: the Post Office wants to change, and its Congress which is stopping it from doing so.

Esquire
Esquire said: No matter where it's headed in the U.S., first-class mail is all priced the same: forty-five cents. Germany has a modern and efficient post office that covers a territory about the size of Georgia and Florida, but it will cost you 60 percent more to send a letter. Mail a wedding invitation from Tokyo to its suburbs and it will cost you more than twice as much as sending the same item from Seattle to Boston. Yet the 2006 law prevents the postal service from raising prices for first-class or standard mail by more than the Consumer Price Index, regardless of fuel prices, regardless of what the mail actually costs to deliver.
CybertronPC 3rd Gen i7 CrossFireX Gaming PC - $1729.99
Added on : Tuesday February 05th 2013 09:17:19 AM
This spectacular gaming PC features absolutely fast and smooth gaming performance.
BOA disputed charge rant
Added on : Monday February 04th 2013 07:00:53 PM
Just a little rant- feel free to skip.Back in December I was in Asia on business. I've been using my BOA Cash Rewards card that was converted from my Schwab Visa for most everyday purchases, and I used it on this trip. When I was filling out my expense report in January, I noticed that one of the hotels where I stayed had charged me twice. One charge was the expected amount on the day that I checked out, but 4 days later they charged me another $80 (looking closely, the merchant names were slightly different like maybe one was the front desk and one was the corporate booking office). I called the hotel to ask them, and they said they would research it and call me back (not holding my breath for that). I asked a colleague that was traveling with me if they had charged him twice, and he got the second charge as well. He said his credit card had already reversed the charge.Here is where my BOA fun starts. I went online to dispute the transaction, but it will not let me dispute it online (the error code was something about the merchant category being a hotel with some text about late cancellation fees not being refundable). So I call them on the phone and give them the information and file a dispute. This is going to be easy, right?A week and a half goes by and I am going through a stack of mail from the past few days, and there is a letter from BOA dated from the day I submitted the dispute saying that I need to mail in a signed paper saying that the charge was not authorized, and without that they absolutely cannot process the dispute. But they needed to receive my signed response at some address in Texas by THAT DAY when I was reading it (10 calendar days from the dispute) or else they drop the dispute. I scramble and get a fax together to get there in time. Phew. Today I get another letter from BOA in the mail. Its another form that I absolutely must sign for them to proceed with the dispute. This time they say that they need to close my account and reissue cards to proceed with the dispute, so I need to authorize that. PITA to change my re-occurring transactions and stuff. This time they gave me a whole 14 days to respond (5 of which were used to deliver the letter to me). I've never had to jump through so many hoops to dispute a charge- especially one like this where I know the merchant, its not like my number was compromised, it just seems like the merchant screwed up. Its like BOA is actively trying to annoy me so they can dismiss the dispute on a technicality. Maybe they just want to drop me as a customer because I'm not profitable enough- I dunno. At any rate, the BOA card is going to the back of my wallet now. Maybe I'll go back to my Chase Freedom or something.
LinkClick coupon button to bring price down $20 to $99.99Helps to Alleviate the Symptoms of the Winter BluesIn countries with long winters, many people experience loss of energy and low spirits due to lack of light. These symptoms are referred to as the winter blues. They typically start in autumn and may last for several weeks. Philips goLITE BLU is a simple and natural way to alleviate these symptoms and restore your summer mood and energy level.Uses Specific Blue Light like a Clear Sunny SkygoLITE BLU energy light produces a particular kind of pure blue light that occurs naturally on very sunny, clear days. Special receptors in the eyes absorb this blue light which makes you feel energetic whenever you need it.Helps to Increase Energy LevelsOur busy lifestyles demand a lot from us and we want to be at our best both during work and private time. Sometimes we experience low moments or dips during the day. Using the goLITE BLU at any time of the day will help you to increase your energy level and alertness in a natural way.Easy to useClinically proven to boost mood and energy levels and fight winter blues
Uses advanced Bluewave technology for results in as little as 15 to 45 minutes a day
Wide field of illumination allows you the freedom to engage in other activities
Timer and brightness settings to customize your light exposure
Safe to use and UV free
45-day money back guarantee Place goLITE BLU in your field of vision - no need to look directly into the light. Using the goLITE BLU energy light for at least 15 minutes naturally improves your mood and energy level whenever you need it. Using it for longer is absolutely safe. Regular use every morning during winter months will help to alleviate the symptoms of the winter blues.Easy control of timer and intensitySet the timer according to your needs to 15, 30, 45, 60 minutes and choose the right brightness out of the three levels by using the dimmer.Extra Durable LED LightsThe durable LEDs in the goLITE BLU can be used 30 minutes a day for 50 years without losing effect. What's in the BoxPhilips HF3321 goLITE BLU energy light, and instruction guide. Link
Amazon Coupons
Babysitting liability
Added on : Thursday January 24th 2013 02:01:02 PM
Here's my situation. My wife wants to babysit a neighbors kid to "help them out" and make a little pocket money for herself. I told her we should absolutely not do it because if anything happens to that kid, we are screwed (we have substantial assets that the lawyers would descend upon like flies on...). She thinks I'm overreacting so I suggested we seek out the infinite wisdow of the FWF community. Comments?
70" Vizio Razor Smart LED - $1,579 @ Sams / Costco
Added on : Thursday January 24th 2013 11:00:10 AM
I personally have this TV, it absolutely rocks & will vouch for how great it is:Link to Sams TVLink to Costco TVCostco gives you 90 day price protection & 2 years of warranty included, Sams offers 4 years of 4 square for $99 (1 year standard warranty).
This season, go big with VIZIO! The E-Series 70 Class Razor LED Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value. Enjoy crystal-clear action and eye-popping images in 1080p Full HD resolution with 120Hz refresh rate with smooth motion.

A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space. VIZIO Internet Apps with built-in WiFi gives you instant access to a world of streaming movies, TV shows, music, and more all at the push of a button on the smart remote with keyboard. This 70" Class Razor LED Smart TV gives you more of what you love about TV with all the brilliant picture quality and world-class support youd expect from Americas LCD HDTV Company. This season, go big with VIZIO! The E-Series 70 Class Razor LED Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value. Enjoy crystal-clear action and eye-popping images in 1080p Full HD resolution with 120Hz refresh rate with smooth motion.
A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space. VIZIO Internet Apps with built-in WiFi gives you instant access to a world of streaming movies, TV shows, music, and more all at the push of a button on the smart remote with keyboard. This 70" Class Razor LED Smart TV gives you more of what you love about TV with all the brilliant picture quality and world-class service youd expect from Americas LCD HDTV Company.Key Features and Benefits

VIZIO Internet Apps Instantly enjoy online movies, TV shows, music, apps and more
Razor LED for richer colors and more vivid details in an ultra thin design
Slim frame design with ultra thin profile beautifully enhances any living space
Smart remote with QWERTY keyboard
Built-in WiFi for easy internet access
120Hz with smooth motion delivers stunning detail and clarity in every image
1080p Full HD resolution for a crystal-clear picture
A slim outer frame delivers a more immersive picture with less frame around the TV
1 million to 1 Dynamic Contrast Ratio for deeper blacks
SRS StudioSound HD delivers crisp, clear audio
Four HDMI ports perfect for cable boxes, game consoles, Blu-ray players and more
More energy efficient than conventional LCD HDTVs*
USB Multimedia photos, music, and videos
Ambient light sensor auto-adjust picture to room lighting
Sams Club Coupons
70" Vizio razor LED - $1,579 @ Sams / Costco
Added on : Thursday January 24th 2013 10:00:02 AM
I personally have this TV, it absolutely rocks & will vouch for how great it is:Link to Sams TVLink to Costco TVCostco gives you 90 day price protection & 2 years of warranty included, Sams offers 4 years of 4 square for $99 (1 year standard warranty).
This season, go big with VIZIO! The E-Series 70 Class Razor LED Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value. Enjoy crystal-clear action and eye-popping images in 1080p Full HD resolution with 120Hz refresh rate with smooth motion.

A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space. VIZIO Internet Apps with built-in WiFi gives you instant access to a world of streaming movies, TV shows, music, and more all at the push of a button on the smart remote with keyboard. This 70" Class Razor LED Smart TV gives you more of what you love about TV with all the brilliant picture quality and world-class support youd expect from Americas LCD HDTV Company. This season, go big with VIZIO! The E-Series 70 Class Razor LED Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value. Enjoy crystal-clear action and eye-popping images in 1080p Full HD resolution with 120Hz refresh rate with smooth motion.
A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space. VIZIO Internet Apps with built-in WiFi gives you instant access to a world of streaming movies, TV shows, music, and more all at the push of a button on the smart remote with keyboard. This 70" Class Razor LED Smart TV gives you more of what you love about TV with all the brilliant picture quality and world-class service youd expect from Americas LCD HDTV Company.Key Features and Benefits

VIZIO Internet Apps Instantly enjoy online movies, TV shows, music, apps and more
Razor LED for richer colors and more vivid details in an ultra thin design
Slim frame design with ultra thin profile beautifully enhances any living space
Smart remote with QWERTY keyboard
Built-in WiFi for easy internet access
120Hz with smooth motion delivers stunning detail and clarity in every image
1080p Full HD resolution for a crystal-clear picture
A slim outer frame delivers a more immersive picture with less frame around the TV
1 million to 1 Dynamic Contrast Ratio for deeper blacks
SRS StudioSound HD delivers crisp, clear audio
Four HDMI ports perfect for cable boxes, game consoles, Blu-ray players and more
More energy efficient than conventional LCD HDTVs*
USB Multimedia photos, music, and videos
Ambient light sensor auto-adjust picture to room lighting
First Party Claim - UM Claim - Pay for Lawyer or Small Claims
Added on : Wednesday January 23rd 2013 02:00:56 PM
Statute of limitations for suing insurance company / resolving claim is in three months.A few years ago while a broke college student, I was hit by a woman driving and uninsured luxury SUV at a T intersection (young and naive; no police report). I was not at fault and fully insured in my crappy car which I had fully insured. Information was exchanged but it turns out the insurance on the vehicle lapsed over a year. I informed my ins about this, expecting a UM claim. Instead learned other driver lied with BS witness corroborating story. Was materially misled on several occasions by ins co, told that had to accept fault for vehicle to be repaired, etc. No further investigation was carried out. In the end I got statement, phone calls, and video which all were in my favor. Presented this to ins co. Ins co contacted my witness (1+ month after I provided contact info) and said that he was not credible b/c he had mixed up street names. Got crappy lawyer that did absolutely nothing and burned my time to act under personal injury. Lawyer ended up dropping case. Sent complaint to Dept of Ins at which point case was reviewed and liability reversed (no new evidence was provided to prompt this). Submitted demand letter based on crappy attorney. Being lowballed. Lawyers do not want to take case (they say it's not worth it). I want to try to sue in small claims court b/c I never had the money to pay a lawyer at their high hourly rates. Initially, lawyers did not want case because my insurance was holding me at fault. Dealing with backward insurance has resulted in several damages (depression, grades, pain, loss of income) and the financial situation it put me in was horrible. Though it doesn't seem like a lot, I only worked to survive as I was full time student. I was a PT delivery driver and the diff in deductible was over half my rent. No outside support. Unable to use car and city I am in is largest in country with no public transport (there was no viable/comparable/equitable employment alternative due to schedule and pay rate)Can now afford to pay lawyer somewhat, but would only do this if seeking punitive damages and trial (expensive). What are thoughts on the best plan of action? I know I have very few options.
Add any full price pair of Vans to your cart and use code WUW249 for 30% off. A free pair of Active socks and a Vans checker bag will automatically be added to your cart. Spend $75 or more for free shipping. I was able to meet the $75 requirement by purchasing a gift card for a future purchase. This is a One Day Only offer (1/23).The deal was broken down like this in my cart:- 30% Off all Footwear *not valid with any other offer
- Free Vans Checkered Bag with any Regular priced Vans purchase *While supplies last (-$9.99)
- Free black Active socks with any reg. price shoe purchase. *While supplies last (-$6.99)
- Free Shipping on all Gift Cards *continental US onlyVans shoes on Active.com30% offOn a side note: I also added 5 pairs of Active socks for $25 to get closer to the $75 minimum. Their socks are my absolute favorite for the gym, running, skateboarding, or just every day wear. They're very comfortable, durable, and stylish.
Baking Basics and Beyond: Learn These Simple Techniques and Bake Like a ProPat Sinclair (Author) With the demise of home economics in the school system, many adults have no baking experience at all, relying on dreary store-bought baked goods and artificial mixes to satisfy their cravings. Baking Basics and Beyond allows even absolute novices to prepare a wide array of delicious, healthy breads, cakes, cookies, pies, and more. In a warm, reassuring manner, Pat Sinclair leads beginning bakers step-by-step through each recipe, thoroughly explaining each technique and direction. After learning a basic technique, additional recipes provide further practice and more elaborate results. This second edition contains more than 100 recipes, from old favorites like icebox cookies, cornbread, and brownies to updated classics, including Butterscotch Cashew Blondies, Chai Latte Custards, and Savory Wild Mushroom Bread Pudding. Throughout, explanations and precise tips, based on Sinclair's years of baking experience, make readers feel as though there is a friendly teacher in the kitchen, peering over their shoulders, and guiding them toward perfect results, every time.This new edition of this basic, down-to-earth, reader-friendly baking guide is updated with beautiful full color photos throughout.
Amazon Coupons
21% off Miele Built-In Espresso Machine (big dollar item)
Added on : Monday January 21st 2013 08:00:03 PM
yes, this may not be for everyone - but 21% off is a good deal for those looking to install (or upgrade) their Miele espresso machine. Originally go for > $4k and yes, this is a luxury item!We have one of these (installed by the previous owner) and absolutely LOVE it! Fresh ground coffee anytime
from AmazonMiele Miele CVA 4066 Espresso Machinehttp://ecx.images-amazon.com/images/I/41xNSCQsTyL._SY355_.jpg
Amazon Coupons
Baking Basics and Beyond: Learn These Simple Techniques and Bake Like a ProPat Sinclair (Author) With the demise of home economics in the school system, many adults have no baking experience at all, relying on dreary store-bought baked goods and artificial mixes to satisfy their cravings. Baking Basics and Beyond allows even absolute novices to prepare a wide array of delicious, healthy breads, cakes, cookies, pies, and more. In a warm, reassuring manner, Pat Sinclair leads beginning bakers step-by-step through each recipe, thoroughly explaining each technique and direction. After learning a basic technique, additional recipes provide further practice and more elaborate results. This second edition contains more than 100 recipes, from old favorites like icebox cookies, cornbread, and brownies to updated classics, including Butterscotch Cashew Blondies, Chai Latte Custards, and Savory Wild Mushroom Bread Pudding. Throughout, explanations and precise tips, based on Sinclair's years of baking experience, make readers feel as though there is a friendly teacher in the kitchen, peering over their shoulders, and guiding them toward perfect results, every time.This new edition of this basic, down-to-earth, reader-friendly baking guide is updated with beautiful full color photos throughout.
http://www.giveawayoftheday.com/The Ashampoo Photo Optimizer 4 combines a modern and clear program interface, which is already prepared for the touch screen controls of the latest monitors and laptops, with intuitive usage and a thought-out range of functions.

Among the features of the program are several effects that you can apply to your photos and that will shed new light on them. An absolute highlight among the effects is the age image effect with which you will set your photo back to the pioneering days of photography. First class results are also achieved with other effects or rather functions, for example red eye correction, inversion of colors or watermarking.
Giveaway of the Day - Ashampoo Photo Optimizer 4
Added on : Sunday January 20th 2013 02:00:02 AM
http://www.giveawayoftheday.com/The Ashampoo Photo Optimizer 4 combines a modern and clear program interface, which is already prepared for the touch screen controls of the latest monitors and laptops, with intuitive usage and a thought-out range of functions.

Among the features of the program are several effects that you can apply to your photos and that will shed new light on them. An absolute highlight among the effects is the age image effect with which you will set your photo back to the pioneering days of photography. First class results are also achieved with other effects or rather functions, for example red eye correction, inversion of colors or watermarking.
QE2 ship to become a Hong Kong ship-hotel!!!
Added on : Saturday January 19th 2013 02:01:35 PM
The absolutely latest cruise news - the classic Cunard liner the old Queen Elizabeth ship will be finally sold these very days, and this time not for scrap for sure! The QE2 ship news just made my day and I'm so glad the Arabs didn't sell her for scrap! Yes, because this was their perfect plan to save some bucks. The ship's current owner, as you probably know, is an investment company of the Dubai's ruler, who first have decided to make her a hotel in Dubai, then to scrap her and now - to sell the ship to a Singapore company to make of her a Hong Kong luxury hotel - almost like the QE2 sister - the old Queen Mary ship which is now a hotel/museum in Long Beach CA. The refurbished rms Queen Elizabeth 2 will boast 100 deluxe suites and 300 rooms (as they say in the above article). I am a great fan of all authentic Transatlantic liners, and this is a happy day for me!
I know this is my first post here (lots of popping windows), so I will remember the fatwallet place with the QE2 news! By the way - cool site name! Love it! Although my wallet isn't so fat )
I wish a good 2013 to all of you guys! Best of luck, and fat wallets for all, right? )
Panasonic TCL55E50 LED LCD - PaulsTV $699
Added on : Friday January 18th 2013 01:00:03 PM
Last week I bought a Panasonic TC-P50ST50 from PaulsTV. For four days it was the best TV viewing experience of my life, until my 5 year old soon took a ps3 controller to the screen and ruined it. I tried to go without a TV for awhile, but sitting home starring at the carpet gets old pretty quick. I couldnt afford another ST50 so I went with the most bang for my buck kinda deal. If it matters, i got my deal in store, but dont see why you couldnt online. For those who prefer the smooth motion like myself, (Soap Opera Effect) this is a great deal. If you want the absolute best color for the least amount of money then the Panasonic TC-P50U50 would be my next pick for $599. The TCL55E50 by itself looks good, but compared against the ST50 or U50 its washed out and the blacks are more of a "grey" PaulsTV - TCL55E50Specs for the TCL55E50:Screen Size Diagonal (inches) 54.6
Aspect Ratio 16:9
Number of Pixels 2,073,600 (1,920 x 1,080)
Panel IPS LED LCD
HDTV Display Capability (1080p, 1080i, 720p) yes
Aspect Control 480i/p: FULL, JUST, 4:3, ZOOM / 1080i/p: FULL, H-FILL, JUST, 4:3, ZOOM
PICTURE
Viewing Angle 178 degrees
Filter Clear Panel
Panel Drive yes
24p Playback (3:2)/24p Smooth Film yes/ yes
Intelligent Scene Controller yes
Smart VIERA Engine Pro
Vivid Color Creation yes
AUDIO
3D Real Sound yes
Number of Speakers 2
Audio Output 20 W
Surround Sound AV Surround
JACKS
Integrated ATSC Tuner yes
HDMI Input null / 4 (4 side)
Support Feature Audio Return Channel (Input 2)
SD Card yes (SDXC)
USB2.0 2
Analog Audio Input (for HDMI/DVI) yes
Composite Video Input shared with Component RCA x 1 (lower) *
Audio Input (for Composite Video) RCA x 1 (lower) *
PC Input D-sub 15-pin x 1 (lower)
Component Video Input (Y, PB, PR) shared with Composite RCA x 1 (lower) *
Audio Input (for Component Video) RCA x 1 (lower) *
Ethernet 1 (lower)
Digital Audio Output 1 (lower)
FEATURES
VIERA Connect (IPTV) yes
Skype while watching TV yes
Social Networking TV (Faceboook/Twitter) yes
VIERA Remote App Support yes
Wireless LAN Adaptor WiFi Ready
DLNA yes
Media Player null / yes (SD Card/USB)
Support Format AVCHD Progressive/SD-VIDEO/MotionJPEG (Lumix)/MKV/MP4/MOV/M4v/FLV/3GPP/VRO/VOB/TS/PS, MP3/AAC/FLAC, JPEG
VIERA Link yes
VIERA Tools yes
Eco Mode yes
Game Mode yes
Trilingual Menu (English/Spanish/French) yes
Built-In Closed Caption Decoder yes
Off - Timers yes
E-Help yes
GENERAL
Power Supply 1 AC 110 - 127 V, 60 Hz
On Mode Average Power Consumption 74.8 W
Receiving System ATSC/QAM/NTSC
Dimensions with stand
Height [inches (mm)] 32.0" (811 mm)
Width [inches (mm)] 50.5" (1281 mm)
Depth [inches (mm)] 11.2" (282 mm)
Dimensions W/O stand
Height [inches (mm)] 30.2" (765 mm)
Width [inches (mm)] 50.5" (1,281 mm)
Depth [inches (mm)] Max: 2.1" (52 mm) ; General: 1.6" (40 mm)
Weight with stand [lbs (kg)] 59.6 lbs. (27.0 kg)
Weight W/O stand [lbs (kg)] 53.0 lbs. (24.0 kg)
Carton Dimensions
Height [inches (mm)] 34.4" (872 mm)
Width [inches (mm)] 64.9" (1,647 mm)
Depth [inches (mm)] 6.2" (156 mm)
Gross Weight [lbs (kg)] 75.0 lbs. (34.0 kg)
Operating Temperature 32F - 95F (0C - 35C)
Safety Standard US: UL60065/FCC Part15, CANADA: CSA C22.2/IC BETS-7
VESA Compatible yes
FURTHER SPECIFICATIONS
NOTE * with Special Adapter cable (dedicated)
Cowboom - Panasonic HDC-TM90 3D capable 1080p 60p camcorder $129 FS
Added on : Friday January 18th 2013 10:00:05 AM
Absolutely a steal ... This camcorder got a 8.8/10 at camcorderinfo.comhttp://www.cowboom.com/product/825330Keep in kind these are not NEW.I bought one two days ago when the price was $149 (they refunded me $20 earlier today) ...what I like about it (more detailed spec below) ... 60p capable, low-light performance, wide-angle lens; really good stabilization; touchscreen control; full manual control; external mic; shoe for accessories; accepts thicker batteries. It's often compared favorably to the Canon M40. The M40 has slightly better low light capability but does not have wide angle lens or the other pros I listed above.Mine did not include battery or charger. So I got a charger plus extended battery from Amazon for $18 total. So my total cost is around $150.
Panasonic HDC-TM90 16GB Flash Memory Camcorder - Black
This camcorder features 21x optical/1500x digital/40x Intelligent Zoom to bring you up close to the action and optical image stabilization to prevent distortion caused by vibration for smooth recording. The 3" touch-panel LCD allows easy operation.Features
21x optical/1500x digital/40x Intelligent Zoom
Brings you up close to distant objects and scenes.
3" touch-panel LCD
For simple operation.
CMOS image sensor
Offers stunning detail and clarity with both video and still images.
Face recognition
Ensures clear and focused subjects.
Optical image stabilization
Prevents shake and vibration distortion to provide smooth, steady video.
Intelligent auto
Analyzes the shot and automatically selects the appropriate scene mode.
Night recording
For full-color shooting in low-light conditions.
Digital still photo mode
Captures images at 5.0MP for clear photos.
Wind noise cut
Minimizes noise and wind interference while recording.
Secure Digital slot
Insert a picture card (not included) to save digital stills.
USB 2.0 interface
For easy image transfer.
PictBridge/DirectPrint compatible
For direct printing without a PC.Specifications
Format: Flash memory
LCD Screen Size: 3"
Image Stabilization: Yes
Optical Zoom: 40x
Digital Zoom: 1500x
Night Recording: Yes
Video Light: Flash
Lines of Resolution: Up to 1920 x 1080
Number of CCDs: 1
Video Resolution: CMOS image sensor
Digital Still Resolution: 5.0MP
Audio Recording: Yes
Flash Memory: 16GB
Compatible Memory Formats: Secure Digital (SD)
Connectivity: USB 2.0
Color Category: Black
Shoot and Share: No
High Definition: Yes
Waterproof: No
Touchscreen: YesMFG: PANASONIC
MFG Part: HDC-TM90 BLACK
CowBoom Coupons
Kindle Fire HD: How to Use Your Tablet With Ease: The Ultimate Guide to Getting Started, Tips, Tricks, Applications and More
From the Best Selling Author James J Burton comes the Amazon.com Best Selling Guide...Best Selling Guide in Computer & Technology.You absolutely love your new Kindle Fire HD and this book will show you all what can be done with this wonderful gadget. This book is put together with an intention to help all tech enthusiasts get more out of their favorite tablet.
A lot of amazing things can be done with Kindle Fire HD and you can miss out on a lot of things if you dont know about the remarkable features this device offers. This book is perfect for every Kindle Fire HD user. You will get to know the different settings of your gadget including basic settings, Wi-Fi connection, email information and how you can download applications.
As the report will progress, you will also learn ways to add Kindle books, movies, music and other entertainment to your device. You can also find the list of must have apps right here that will help you unleash many exciting and powerful features of your Kindle Fire HD. This book also takes a tour into special tricks and tips that will help you get your Kindle Fire HD running.
In short, this book will give you everything you need to take your gadget to the next level. So, lets get started and explore your Kindle Fire HD to make it more interactive and easy to handle.Included:LIVE SCREENSHOTS
HELPFUL LINKS THROUGHOUT THE GUIDEA Quick Look Inside...What Will You Find in this Report?
1. What is Kindle Fire HD?
2. Advantages of Kindle Fire HD
3. Getting Started with the Device
i. Turning Kindle Fire HD On and Off
ii. Charging the Battery
iii. Interacting with the Touch-Screen
Locking and Unlocking Your Screen
Screen Rotation
Screen Savers
iv. Basic Settings
v. Notifications
vi. Volume
vii. Display
viii. Fonts and Other Related Items
ix. Using the Camera
x. Parental Control
xi. Keyboard
xii. Cleaning the Screen
xiii. Change Your Kindle Fire HD Name
xiv. Some Useful Accessories for Your Device
xv. Troubleshooting
4. The Next Steps
i. Registering the Device
ii. Setting Up Kindle Fire HD Wi-Fi
iii. What You Can Store on Your Device
iv. Cloud and Device Storage Options
v. Get Extra Storage and Memory
vi. Using the Carousel
Music Library
Video Library
Recommendations
Accessing Your Favorites
How to Sync Your Kindle Fire HD
5. Searching for Content
i. Installing Applications on Your Device
ii. Buying Music and Videos
iii. Buying Kindle Books
iv. What are the MUST HAVE APPS for your Kindle Fire HD?
v. Want to Delete an Application?
vi. Finding Free Applications and Books
vii. Downloading Applications, Games, Music and Videos from Your PC
viii. Do You Need an Anti-Virus?And MUCH MUCH MORE!IF YOU DO NOT FIND YOUR DESIRED TOPIC IN THIS GUIDE THEN PLEASE EMAIL ME AT KINDLEQUESTIONS@GMAIL.COM. YOU CAN ALSO EMAIL ME WITH YOUR FEEDBACK OR ANY SUGGESTIONS YOU MIGHT HAVE. I WILL ANSWER YOUR QUESTIONS AS SOON AS POSSIBLE. PLEASE LET ME RESOLVE YOUR ISSUE BEFORE YOU LEAVE A NEGATIVE OR NEUTRAL REVIEW. MY GOAL HERE IS TO PROVIDE YOU WITH QUALITY CONTENT AND BEST CUSTOMER SERVICE POSSIBLE.
Kindle Fire HD: How to Use Your Tablet With Ease ... [Kindle Edition]
Added on : Monday January 14th 2013 12:00:41 PM
Kindle Fire HD: How to Use Your Tablet With Ease: The Ultimate Guide to Getting Started, Tips, Tricks, Applications and More
From the Best Selling Author James J Burton comes the Amazon.com Best Selling Guide...Best Selling Guide in Computer & Technology.You absolutely love your new Kindle Fire HD and this book will show you all what can be done with this wonderful gadget. This book is put together with an intention to help all tech enthusiasts get more out of their favorite tablet.
A lot of amazing things can be done with Kindle Fire HD and you can miss out on a lot of things if you dont know about the remarkable features this device offers. This book is perfect for every Kindle Fire HD user. You will get to know the different settings of your gadget including basic settings, Wi-Fi connection, email information and how you can download applications.
As the report will progress, you will also learn ways to add Kindle books, movies, music and other entertainment to your device. You can also find the list of must have apps right here that will help you unleash many exciting and powerful features of your Kindle Fire HD. This book also takes a tour into special tricks and tips that will help you get your Kindle Fire HD running.
In short, this book will give you everything you need to take your gadget to the next level. So, lets get started and explore your Kindle Fire HD to make it more interactive and easy to handle.Included:LIVE SCREENSHOTS
HELPFUL LINKS THROUGHOUT THE GUIDEA Quick Look Inside...What Will You Find in this Report?
1. What is Kindle Fire HD?
2. Advantages of Kindle Fire HD
3. Getting Started with the Device
i. Turning Kindle Fire HD On and Off
ii. Charging the Battery
iii. Interacting with the Touch-Screen
Locking and Unlocking Your Screen
Screen Rotation
Screen Savers
iv. Basic Settings
v. Notifications
vi. Volume
vii. Display
viii. Fonts and Other Related Items
ix. Using the Camera
x. Parental Control
xi. Keyboard
xii. Cleaning the Screen
xiii. Change Your Kindle Fire HD Name
xiv. Some Useful Accessories for Your Device
xv. Troubleshooting
4. The Next Steps
i. Registering the Device
ii. Setting Up Kindle Fire HD Wi-Fi
iii. What You Can Store on Your Device
iv. Cloud and Device Storage Options
v. Get Extra Storage and Memory
vi. Using the Carousel
Music Library
Video Library
Recommendations
Accessing Your Favorites
How to Sync Your Kindle Fire HD
5. Searching for Content
i. Installing Applications on Your Device
ii. Buying Music and Videos
iii. Buying Kindle Books
iv. What are the MUST HAVE APPS for your Kindle Fire HD?
v. Want to Delete an Application?
vi. Finding Free Applications and Books
vii. Downloading Applications, Games, Music and Videos from Your PC
viii. Do You Need an Anti-Virus?And MUCH MUCH MORE!IF YOU DO NOT FIND YOUR DESIRED TOPIC IN THIS GUIDE THEN PLEASE EMAIL ME AT KINDLEQUESTIONS@GMAIL.COM. YOU CAN ALSO EMAIL ME WITH YOUR FEEDBACK OR ANY SUGGESTIONS YOU MIGHT HAVE. I WILL ANSWER YOUR QUESTIONS AS SOON AS POSSIBLE. PLEASE LET ME RESOLVE YOUR ISSUE BEFORE YOU LEAVE A NEGATIVE OR NEUTRAL REVIEW. MY GOAL HERE IS TO PROVIDE YOU WITH QUALITY CONTENT AND BEST CUSTOMER SERVICE POSSIBLE.
Sick of the idiots at Juniper/Barclay
Added on : Sunday January 13th 2013 06:01:00 PM
My credit is perfect and I'm not just pissed off because they did something like charge me a late fee for my own mistake. I'm not mad because they wouldn't give me something for free or really even anything out of the ordinary. I just expect to be treated just like every other good customer.I opened my Juniper account during a rebuilding phase of my life about four years ago. It's not my oldest card but it's pretty close; yet it only accounted for about 2% of my available credit.I think the limit started off at $1500. I was one of the people to receive a limit reduction a few years back and they never restored it to the original level even as my other credit options began growing. I watch my credit report and regularly observed them pulling my history while they continually refused my requests for an increase without a hard pull. The agents always promised that account reviews would happen very soon.I had carried a balance in the past, but it has been convenient for me to use the card lately for small purchases and always pay it off. I got a small amount of pleasure in depriving them of the interest charges they weren't getting from me. But it was also inconvenient to bump into my tiny limit when I wanted to rent a car or just trying to buy lunch while too close to the limit and waiting for my last payment to post. My CK score bounced up and down way to much for such an insignificant amount of money.And let's face it, I've been sick of their customer service and I really just wanted an excuse to cut them off. So today I decided to bluff closing the account and hoped for the retention department to want to keep me. Unfortunately I'm not the kind of customer they wanted to keep. Just talking to the offshore reps worked me up so fast that I'm almost happy they made me follow through with my threat. And it seems to me were all too eager to press that close-account button.I probably would get better treatment as a premium cardholder but there's no way I would ever go back to them. I called back to vent to a supervisor and waste more of their money but I doubt that will make any difference. I absolutely hate this company and I plan to spread that sentiment to as many people as I can.
SEE POST 64 for 1st List of Some of Likely Sale items and pricesFor those have participated before the expected Upgrade and Save will be starting in 2 weeks. For those who have not, this can be a pretty good program to trade some old DVDs for $5 coupons to
buy Blurays pretty cheaply It looks like a full 3 weeks this time. This is the 5th or 6th time for this version of the program, but each time it works just a little differently and if you go the first couple
days of the program you may get some questionable looks. The program seems to have settled into a quarterly deal averaging 3 weeks -- 4 wks last summer, 2 wks in October. Assuming all past rules apply this is the program FAQ. Even more than usual YMMV applies -- there are lot of different scenarios for this program and it seems each store and each manager seems to have a different playbook.
This program gets a lot of different responses. BEST BUY UPGRADE AND SAVE PROGRAM -- Begins January 13 2013 through the end of business February 2, 2013 1) Trade in ANY DVD for a $5 credit toward purchase of ANY $9.99+ Bluray in stock at Best Buy B&M. This is basically an instore only deal.-- Limit 5 per visit. Per visit is most often interpreted as 5 per day per customer, but many people have just walked out and come back in immediately or later the same day with 5 more discs. Plenty of people have done far
more than 5 at a single visit as long as the store allows the exception.-- No stacking of U&S coupons. One U&S Coupon, One Bluray . A Single $5 U&S coupon is allowed per Bluray or Bluray boxset (it may be the only rule I've never seen stretched). A boxset of 3 movies will not allow 3 coupons
and you can't use 2 or 3 coupons on a single Bluray under any circumstance.-- Most of the time the coupons have an expiration date co-coinciding with the last day of the program so you can't save them and use them next month. 2) Trade in DVDs do not have to be same title as Bluray. Boxsets are most often counted as 1 DVD so if you bring is a set with 4 movies in one case then you will likely be given 1 coupon and not a coupon for each disc.
If your set has for cases in a boxset, just toss the box. If you have a TV series with 5 cases, bring them in as individual pack and not as a set. This works best if each case has a UPC code (S1, Disc 1). I've also found
that if you bring in a bunch of discs of the same season, same show then some clerks will balk so best idea is to bring 1 (slim)case from each set and make another trip later or be prepared to discuss the details.-- If somebody pulls up a list off Google of 100 or 150 Old Blurays that are "Only Movies Allowed" then they are likely showing you the lists for May or October 2011 which were restricted to certain titles. The Google lists
get pulled up everytime this program is live either online or even instore -- check the dates on the list. If someone tries to tell you only same titles can be exchanged then they are incorrect. This is not the same of Selling/Trade-In
for Used Video Games and every time there are lots of people who get sent to the Video Games Department by employees thinking you are selling items. The Upgrade and Save program is separate and almost
always handled at the Customer Service Counter. 3) DVD must be a commercially produced discs (no burned copies) 4) No adult DVD that are specifically XXX content whether they are rated XXX or not.5) Discs are supposed to have the original case and artwork and the discs are meant to be at least presentable -- the disc at least should look like it can be played. Many stores require the UPC to be intact. Some stores
check things pretty closely (right disc, right case, right UPC, disc condition) and others just toss the case into the recycle bin without any screening. In reality discs in anything that look like regular case are often accepted
by some stores including those is Blockbuster/3rd party cases with rental stickers and and nowhere near original artwork and UPC. ** Are HDDVD or HD-DVD combo packs eligible. This has been a YMMV issue and some places people have been given credit for both type discs, others only if it was a combo, and some stores refused to consider it
at all for the trade-in. If you run into this issue either try a different store or call 1-800 BESTBUY and see if they can clarify the issue for you or your Store Manager.6) Bluray -- all current and new release Bluray priced $9.99 or above should be included. Music Blurays have been included since the April 2012 program which is different than previous sales. Preorders are not included.
Discs not in store can sometimes be ordered from BBY.com and some managers will apply a coupon to that item, but ....
7) Each store in the past had there own logistics of how to work the program. Most stores would make you stop at the entry and have your used discs stamped/marked/taped.-- Many stores had you bring the used DVD to the Service desk, check them out to make sure they met criteria and gave the customer a preprinted coupon(s) with a receipt attached to the coupon/barcode. Some stores
gave the customer a Copied sheet of paper with the UPC bar code and attached receipt to 'activate' the sheet of paper. The coupon could them be exchanged at the regular register for the Bluray you were purchasing and
the barcode automatically deducted the $5 at sale. This allowed you to take your coupons out of the store and purchase later. The expiration date on the official coupon is usually the last day of the sale. . If you are given
a coupon with a receipt attached do not detach them or your coupon may well be disallowed.-- Some stores required you to bring/leave your DVD at the Customer Service desk, then bring your Blurays to the Service desk to complete the purchase. No coupons were given out so you had to exchange and purchase
the discs the same day.-- Some stores would allow you to trade your DVD for a coupon at the Service Desk, but each coupon was marked/Dated and you were told it was only valid for the date on the coupon and in that specific store. [Only had
this happen once and I have no idea what would have happened if I took the coupon to a different store or brought it back to the same store later.]8) Discounts should be taken from the actual Selling Price of the Bluray on the day of purchase despite the fine print on the coupon saying "Discount taken from Regular Price." This has and will likely continue to be a
contentious point until corporate absolutely clarifies the issue or changes the language. BBY ads often show discs with Sale Prices and then subtract the $5 U&S coupon so logically that should apply to all other discs.
9) Price matching and also using $5 coupon is a big YMMV since this can be most certainly considered combining offers or double dipping much in the same way that PM and getting a gift card for purchase is often considered
doubling up. Since the U&S is considered a Store coupon it should be applied to the price before trying to PM unlike a Manufacturers coupon (this difference is spelled out very specifically in Target and other stores coupon
use policy, but not specifically in BBY policy).10) There should be absolutely no arguments about using Reward Zone certificates during purchase.11) Additional Manufacturers Coupons SHOULD BE allowed and should be considered the same as cash or a gift card on top of the $5 Promo. This doesn't mean it won't be argued and it certainly doesn't mean it will
be accepted, but according the Best Buy's own Corporate Reps, the use of MQ should never be questioned whether it's a sales price or pricematch or promo.Multiple times the Best Buy Corporate Employees have had to repeat the phrase "The store should honor the coupon, even with the price match. Any valid manufacturers coupon displaying the manufacturers address,
a barcode, and labeled as a Manufacturers coupon at the top should be accepted on the product listed, regardless of the price." If there are any issues call the 1-800 number in store and ask for a ruling (unfortunately
this often ends up being decided "Manager runs his own store in his own way" unless it just flat out violates some policy. BBY.com community forums are the best place to take issues and often will be decided in
the customers favor with credits and RZ given to cover the missed discounts. Yelling and screaming in the store is not going to win you any arguments in store even if you are correct and will likely get security involved
and irritate everybody else in the store.12) Buying a disc this week in hopes of applying the coupon next week will work, but it should work as a return/Rebuy so if the price is higher next week it may not always save you money. As usual there is some YMMV
whether some stores will allow you to repurchase the same disc unless the store has current stock. The same can be said of ordering discs online for pick up at the store -- some stores have allowed a return/rebuy to
add the coupon and some stores have refused to do this.13) Only USED DVD or HDDVD movies are normally allowed as trade in. . Best Buy is only supposed to accept used DVDs, so make sure the DVD(s) you're bringing in to trade are unwrapped. They will sometimes
refuse to accept them if they're sealed. If you find some sealed DVD cheap and bring them to the store sealed, there have been issues. The easiest thing to do is just open them14) Where to find cheap DVDs: If you don't have any spare DVDs laying around that you wish to part with, there are a variety of places to find cheap DVDs for less than $1-$2 each. Pawn shops, thrift stores, garage sales,
flea markets, dollar stores, and eBay Several people have had success at Dollar Tree, where select DVDs can be found for 25 cents, and some titles even for 1 cent. *Disclaimer* Finding these 25/1 cent DVDs
is a YMMV situation. Some stores have them, some don't. Some BBY stores have balked at accepting these essentially throwaways in slim cases or cardboard sleeves though technically they are commercially
manufactured and in their original cases so you should prevail.. Bringing 5 of the exact same item in for trade in -- often these cheapo discs can raise some eyebrows so if you can divide them up and bring in 5 different items it will go smoother though not to say it won't work15) Most people have failed at trading in Blurays for coupons even if there is a DVD in the case.16) If you have a multidisc DVD with those removable trays for extra disc, it is best if you just bring in the case with the tray out and you can keep the extra disc (cool for bonus material). Empty disc trays do raise suspicion
at the service desk.17) Nobody knows exactly what happens to the old discs and cases. The official word is they are recycled at some national recycling center -- whether this means they are donated to charities for a tax deduction,
sold to 3rd party resellers, or just destroyed is murky.
Direct link to free $25 credit: https://mycart.lef.org/Sweeps/E1/ClaimCredit.aspx"In addition to your free membership, you will receive a FREE $25 instant product credit that you can use today on any of our products - no strings attached! To claim your $25 product credit and absolutely free 6‑month membership, please fill out the following information:" Does NOT automatically renew / no need to cancel.Free shipping code might work: SLA201W or MCX205E or SSM220ELife Extension customer service is excellent. If you don't want to be on a mailing list, they will comply.What is Life Extension: www.lef.org 
IF THE LINK DOESN'T WORK: Go to www.lef.org, scroll down, find the big blue ad on the right that says, "Win Supplements for Life." All you have to do is enter any email address, click Enter, and the next page will either be this offer or one other offer.
Direct link to free $25 credit: https://mycart.lef.org/Sweeps/E1/ClaimCredit.aspx"In addition to your free membership, you will receive a FREE $25 instant product credit that you can use today on any of our products - no strings attached! To claim your $25 product credit and absolutely free 6‑month membership, please fill out the following information:" Does NOT automatically renew / no need to cancel.Free shipping code might work: SLA201WLife Extension customer service is excellent. If you don't want to be on a mailing list, they will comply.What is Life Extension: www.lef.org
Direct link to free $25 credit: https://mycart.lef.org/Sweeps/E1/ClaimCredit.aspxFYI - You can trust this company's offers. I am a member and their customer service is excellent. If you don't want to be on a mailing list, they will comply.
Or enter sweepstakes, and the next page will offer one of the promotions below:"In addition to your free membership, you will receive a FREE $25 instant product credit that you can use today on any of our products - no strings attached! To claim your $25 product credit and absolutely free 6‑month membership, please fill out the following information:"OR
" - 2‑Month supply of Two‑Per‑Day Tablets at $13.50 (Super Sale Pricing through 1/31/2013)
- You will have a credit of $11.50 to use on other product purchases
- You will be charged $5.50 for standard Shipping and Handling
- For details of the Life Extension Foundation Membership, click here."Sweepstakes: https://mycart.lef.org/Sweeps/E1/Entry.aspx?
CybertronPC 3rd Gen i7 CrossFireX Gaming PC - $1699.99
Added on : Tuesday January 08th 2013 09:00:06 AM
This spectacular gaming PC features absolutely fast and smooth gaming performance.
Here is your LINK to this very good deal. This item is already priced by Amazon at a low $99.99, but if you 'clip' the coupon on the page you receive an instant discount of $20 for a total price of $79.99, with free shipping either through SuperSaver or Amazon Prime.The Philips goLITE BLU HF3321 is clinically proven to naturally boost your mood and energy and fight winter blues in as little as 15 minutes a day. Featuring breakthrough Bluewave technology, goLITE BLU is a portable innovative design that allows you to get the light you need at home or in the office.Philips goLITE BLU Energy Light HF3321Go about your daily tasks while receiving energizing light therapy. Helps to Alleviate the Symptoms of the Winter BluesIn countries with long winters, many people experience loss of energy and low spirits due to lack of light. These symptoms are referred to as the winter blues. They typically start in autumn and may last for several weeks. Philips goLITE BLU is a simple and natural way to alleviate these symptoms and restore your summer mood and energy level.Uses Specific Blue Light like a Clear Sunny Sky
goLITE BLU energy light produces a particular kind of pure blue light that occurs naturally on very sunny, clear days. Special receptors in the eyes absorb this blue light which makes you feel energetic whenever you need it.Helps to Increase Energy Levels
Our busy lifestyles demand a lot from us and we want to be at our best both during work and private time. Sometimes we experience low moments or dips during the day. Using the goLITE BLU at any time of the day will help you to increase your energy level and alertness in a natural way.Easy to use
Place goLITE BLU in your field of vision - no need to look directly into the light. Using the goLITE BLU energy light for at least 15 minutes naturally improves your mood and energy level whenever you need it. Using it for longer is absolutely safe. Regular use every morning during winter months will help to alleviate the symptoms of the winter blues.Easy control of timer and intensity
Set the timer according to your needs to 15, 30, 45, 60 minutes and choose the right brightness out of the three levels by using the dimmer.Extra Durable LED Lights
The durable LEDs in the goLITE BLU can be used 30 minutes a day for 50 years without losing effect. What's in the Box
Philips HF3321 goLITE BLU energy light, and instruction guide.
goLITE BLU
Energy Light HF3321
At a Glance:
Clinically proven to boost mood and energy levels and fight winter blues
Uses advanced Bluewave technology for results in as little as 15 to 45 minutes a day
Wide field of illumination allows you the freedom to engage in other activities
Timer and brightness settings to customize your light exposure
Safe to use and UV free
45-day money back guarantee
Clinically Proven
UV Free
365
Philips Light Therapy Product Line LINK
Amazon Coupons
Some Background:I work for a consulting company. We do a lot of contract work for this software Company A. Companies who bought software from Company A occasionally need customization, and when Company A can't handle the workload, they send some out to us.Problem:I've been assigned to work on this particular project for Client O, who uses Company A's software. The project is only estimated to take 50 hours. Client O wants to do a background check on everyone who works on their project, including people from Company A and my company. They want our personal information such as SSN and address, as well as our fingerprints. My company has a non-disclosure agreement with Company A. Everyone in my company that works on Company A's projects has also been through a background check and a drug test. Supposedly this confidentiality and security check can be extended to all of Company A's customers. I understand Client O might want employees at Company A to do this because they can be working on huge projects for Client O, but my company is only contracted to do a 50-hour project for Client O.My boss is reluctant to make his employees go through this. Do I have any say in this? I absolutely do not want to do this because I think it's a huge violation of privacy, especially considering that my company's relationship with Client O is short term. I have nothing to hide, but I don't want to just easily give up my personal information like that. Is there anything I can do? How do I ensure that my personal information is safe with them?If it matters at all, my company is in California. Company A is in Florida. And Client O is in Oregon.Any advice that you can give will be much appreciated!! Thank you!
Navy Federal 0% BT for 12 months
Added on : Wednesday January 02nd 2013 09:01:13 AM
Woo hoo! I've been waiting patiently for this....just posted this morning on the Navy Federal website:=====
Try This Big, Low-Rate Offer
When you consolidate credit card balances from other financial institutions onto a new or existing
Navy Federal credit card, the savings really add up. Plus, you'll save even more because we
don't charge a balance transfer fee. You pay absolutely nothing to transfer your balance!
Members opening a new Navy Federal credit card:
Get a 0% fixed intro APR* on balance transfers for 12 months.
After that, a variable rate between 7.99% APR18% APR applies. Members transferring balances to an existing Navy Federal credit card:
Get a 0% fixed APR* on balance transfers for 12 months.
After that, your current standard variable purchase rate will apply. Hurry! Offer ends February 28, 2013.
FS $149.95 NEW Outdoor Garden Propane Patio Heater LP w/accessories
Added on : Monday December 31st 2012 11:00:06 PM
http://www.ebay.com/itm/NEW-Outdoor-Garden-Propane-Patio-Heater-...High Quality Bronze Hammered / Satin Grey Propane Patio Heater. We are the only seller who provides 47,000 BTU power in the market.
Our patio heaters will cover up to at least 25 square foot area allowing you and your family to relax comfortably without having to crowd yourselves in right next to the unit. The 100% Bronze Hammered / Satin Grey finish is not only attractive but designed to withstand the outdoor weather elements. This heater is absolutely gorgeous.Free accessories included:
Free PE cover for winter protection
Free 2-wheels set to easily move it around your patio
Free automatic tilt cut off switch
Free gas hose and Free gas regulator
CE / CSA & AGA approved:This means this unit has been tested in accordance with stringent European regulations, Canadian Standards Association, regulations and Australian Gas Association regulations to ensure it is safe to operate. Safety is paramount especially if you have children or pets.
This patio heater features the latest anti tilt Automatic Shut Off Mechanism. This ensures that as soon as the heater tilts to 30, it will completely shut down all gas flow. In addition to this, if the heater is returned to an upright position the gas flow remains off until manual re-ignition. Details:
Patio Heater CE / CSA & AGA approved
Anti Tilt Switch CE / CSA & AGA Approved
Power: 47,000 BTU
Material: 100% Steel
Reflector: 32.4" (Dia.) x 4.2" (H)
Burning unit: 11.1" (Dia.) x 24" (H)
Flame screen: 11" (Dia.) x 9.2" (H)
Main Pole: 2.5" (Dia.) x 34" (H)
Supporting Post: 1" (Dia.) x 1" (H)
Tank housing: 15.1" (Dia.) x 31.2" (H)
Base: 18.4" (Dia.) x 3.5" (H)
Overall Height: 88.4" (7 ft. 4 in.)
Burn Time: Approx. 15 - 28 hrs / 13kg gas
Fuel: Propane or Butane Gas Only, Accepts any Standard 5 Gallon BBQ Tank
Brand new in retail packaging What is included in the package?
Bronze Hammered Patio Heater
FREE 2 wheels
FREE Automatic tilt cut-off switch
FREE Hose & Regulator
FREE PE Patio Heater Cover
eBay Coupons
BEST BUY UPGRADE AND SAVE PROGRAM -- Begins January 13 2013 through the end of business February 2, 2013
Bring in an original, commercially released DVD (no burned copies) with its original case and you'll receive a $5 coupon that's valid on select Blu-ray movies. Just head to the customer service counter at a Best Buy store near you for complete details and to take part.For those have participated before the expected Upgrade and Save will be starting in 2 weeks. For those who have not, this can be a pretty good program to trade some old DVDs for $5 coupons to
buy Blurays pretty cheaply It looks like a full 3 weeks this time. This is the 5th or 6th time for this version of the program, but each time it works just a little differently and if you go the first couple
days of the program you may get some questionable looks. The program seems to have settled into a quarterly deal averaging 3 weeks -- 4 wks last summer, 2 wks in October.Assuming all past rules apply this is the program FAQ. Even more than usual YMMV applies -- there are lot of different scenarios for this program and it seems each store and each manager seems to have a different playbook.
This program gets a lot of different responses. 1) Trade in ANY DVD for a $5 credit toward purchase of ANY $9.99+ Bluray in stock at Best Buy B&M. This is basically an instore only deal.-- Limit 5 per visit. Per visit is most often interpreted as 5 per day per customer, but many people have just walked out and come back in immediately or later the same day with 5 more discs. Plenty of people have done far
more than 5 at a single visit as long as the store allows the exception.-- No stacking of coupons. One Coupon, One Bluray . A Single $5 discount coupon is allowed per Bluray or Bluray boxset (it may be the only rule I've never seen stretched). A boxset of 3 movies will not allow 3 coupons
and you can't use 2 or 3 coupons on a single Bluray under any circumstance.-- Most of the time the coupons have an expiration date co-coinciding with the last day of the program so you can't save them and use them next month.2) Trade in DVDs do not have to be same title as Bluray. Boxsets are most often counted as 1 DVD so if you bring is a set with 4 movies in one case then you will likely be given 1 coupon and not a coupon for each disc.
If your set has for cases in a boxset, just toss the box. If you have a TV series with 5 cases, bring them in as individual pack and not as a set. This works best if each case has a UPC code (S1, Disc 1). I've also found
that if you bring in a bunch of discs of the same season, same show then some clerks will balk so best idea is to bring 1 (slim)case from each set and make another trip later or be prepared to discuss the details.-- If somebody pulls up a list off Google of 100 or 150 Old Blurays that are "Only Movies Allowed" then they are likely showing you the lists for May or October 2011 which were restricted to certain titles. The Google lists
get pulled up everytime this program is live either online or even instore -- check the dates on the list. If someone tries to tell you only same titles can be exchanged then they are incorrect. This is not the same of Selling/Trade-In
for Used Video Games and every time there are lots of people who get sent to the Video Games Department by employees thinking you are selling items. The Upgrade and Save program is separate and almost
always handled at the Customer Service Counter.3) DVD must be a commercially produced discs (no burned copies)4) No adult DVD that are specifically XXX content whether they are rated XXX or not.5) Discs are supposed to have the original case and artwork and the discs are meant to be at least presentable -- the disc at least should look like it can be played. Many stores require the UPC to be intact. Some stores
check things pretty closely (right disc, right case, right UPC, disc condition) and others just toss the case into the recycle bin without any screening. In reality discs in anything that look like regular case are often accepted
by some stores including those is Blockbuster/3rd party cases with rental stickers and and nowhere near original artwork and UPC.** Are HDDVD or HD-DVD combo packs eligible. This has been a YMMV issue and some places people have been given credit for both type discs, others only if it was a combo, and some stores refused to consider it
at all for the trade-in. If you run into this issue either try a different store or call 1-800 BESTBUY and see if they can clarify the issue for you or your Store Manager.6) Bluray -- all current and new release Bluray priced $9.99 or above should be included. Music Blurays have been included since the April 2012 program which is different than previous sales. Preorders are not included.
Discs not in store can sometimes be ordered from BBY.com and some managers will apply a coupon to that item, but ....
7) Each store in the past had there own logistics of how to work the program. Most stores would make you stop at the entry and have your used discs stamped/marked/taped.-- Many stores had you bring the used DVD to the Service desk, check them out to make sure they met criteria and gave the customer a preprinted coupon(s) with a receipt attached to the coupon/barcode. Some stores
gave the customer a Copied sheet of paper with the UPC bar code and attached receipt to 'activate' the sheet of paper. The coupon could them be exchanged at the regular register for the Bluray you were purchasing and
the barcode automatically deducted the $5 at sale. This allowed you to take your coupons out of the store and purchase later. The expiration date on the official coupon is usually the last day of the sale. . If you are given
a coupon with a receipt attached do not detach them or your coupon may well be disallowed.-- Some stores required you to bring/leave your DVD at the Customer Service desk, then bring your Blurays to the Service desk to complete the purchase. No coupons were given out so you had to exchange and purchase
the discs the same day.-- Some stores would allow you to trade your DVD for a coupon at the Service Desk, but each coupon was marked/Dated and you were told it was only valid for the date on the coupon and in that specific store. [Only had
this happen once and I have no idea what would have happened if I took the coupon to a different store or brought it back to the same store later.]8) Discounts should be taken from the actual Selling Price of the Bluray on the day of purchase despite the fine print on the coupon saying "Discount taken from Regular Price." This has and will likely continue to be a
contentious point until corporate absolutely clarifies the issue or changes the language. BBY ads often show discs with Sale Prices and then subtract the $5 U&S coupon so logically that should apply to all other discs.
9) Price matching and also using $5 coupon is a big YMMV since this can be most certainly considered combining offers or double dipping much in the same way that PM and getting a gift card for purchase is often considered
doubling up. Since the U&S is considered a Store coupon it should be applied to the price before trying to PM unlike a Manufacturers coupon (this difference is spelled out very specifically in Target and other stores coupon
use policy, but not specifically in BBY policy).10) There should be absolutely no arguments about using Reward Zone certificates during purchase.11) Additional Manufacturers Coupons SHOULD BE allowed and should be considered the same as cash or a gift card on top of the $5 Promo. This doesn't mean it won't be argued and it certainly doesn't mean it will
be accepted, but according the Best Buy's own Corporate Reps, the use of MQ should never be questioned whether it's a sales price or pricematch or promo.Multiple times the Best Buy Corporate Employees have had to repeat the phrase "The store should honor the coupon, even with the price match. Any valid manufacturers coupon displaying the manufacturers address,
a barcode, and labeled as a Manufacturers coupon at the top should be accepted on the product listed, regardless of the price." If there are any issues call the 1-800 number in store and ask for a ruling (unfortunately
this often ends up being decided "Manager runs his own store in his own way" unless it just flat out violates some policy. BBY.com community forums are the best place to take issues and often will be decided in
the customers favor with credits and RZ given to cover the missed discounts. Yelling and screaming in the store is not going to win you any arguments in store even if you are correct and will likely get security involved
and irritate everybody else in the store.12) Buying a disc this week in hopes of applying the coupon next week will work, but it should work as a return/Rebuy so if the price is higher next week it may not always save you money. As usual there is some YMMV
whether some stores will allow you to repurchase the same disc unless the store has current stock. The same can be said of ordering discs online for pick up at the store -- some stores have allowed a return/rebuy to
add the coupon and some stores have refused to do this.13) Only USED DVD or HDDVD movies are normally allowed as trade in. . Best Buy is only supposed to accept used DVDs, so make sure the DVD(s) you're bringing in to trade are unwrapped. They will sometimes
refuse to accept them if they're sealed. If you find some sealed DVD cheap and bring them to the store sealed, there have been issues. The easiest thing to do is just open them14) Where to find cheap DVDs: If you don't have any spare DVDs laying around that you wish to part with, there are a variety of places to find cheap DVDs for less than $1-$2 each. Pawn shops, thrift stores, garage sales,
flea markets, dollar stores, and eBay Several people have had success at Dollar Tree, where select DVDs can be found for 25 cents, and some titles even for 1 cent. *Disclaimer* Finding these 25/1 cent DVDs
is a YMMV situation. Some stores have them, some don't. Some BBY stores have balked at accepting these essentially throwaways in slim cases or cardboard sleeves though technically they are commercially
manufactured and in their original cases so you should prevail..Bringing 5 of the exact same item in for trade in -- often these cheapo discs can raise some eyebrows so if you can divide them up and bring in 5 different items it will go smoother though not to say it won't work15) Most people have failed at trading in Blurays for coupons even if there is a DVD in the case.16) If you have a multidisc DVD with those removable trays for extra disc, it is best if you just bring in the case with the tray out and you can keep the extra disc (cool for bonus material). Empty disc trays do raise suspicion
at the service desk.17) Nobody knows exactly what happens to the old discs and cases. The official word is they are recycled at some national recycling center -- whether this means they are donated to charities for a tax deduction,
sold to 3rd party resellers, or just destroyed is murky.
Best Buy Coupons
http://www.amazon.com/dp/B003X2P95IFilms included:
1. Where Eagles Dare, 1968
2. Kelly's Heroes, 1970
3. Dirty Harry,1971
4. Magnum Force,1973
5. The Enforcer,1975
6. The Outlaw Josey Wales,1976
7. The Gauntlet,1977
8. Every Which Way but Loose,1978
9. Bronco Billy,1980
10. Any Which Way You Can, 1980
11. Honkytonk Man, 1982
12. Firefox, 1982
13. Sudden Impact, 1983
14. City Heat, 1984
15. Tightrope, 1984
16. Pale Rider, 1985
17. Heartbreak Ridge, 1986
18. Bird, 1988
19. The Dead Pool, 1988
20. Pink Cadillac, 1989
21. White Hunter, Black Heart, 1990
22. The Rookie, 1990
23. Unforgiven, 1992
24. A Perfect World, 1993
25. The Bridges of Madison County, 1995
26. Absolute Power, 1997
27. Midnight in the Garden of Good and Evil, 1997
28. True Crime, 1999
29. Space Cowboys, 2000
30. Blood Work, 2002
31. Mystic River, 2003
32. Million Dollar Baby, 2004
33. Letters from Iwo Jima, 2006
34. Gran Torino, 2008
35. Invictus plus The Eastwood Factor (2009 documentary)
Amazon Coupons
http://www.amazon.com/dp/B003X2P95IFilms included:
1. Where Eagles Dare, 1968
2. Kelly's Heroes, 1970
3. Dirty Harry,1971
4. Magnum Force,1973
5. The Enforcer,1975
6. The Outlaw Josey Wales,1976
7. The Gauntlet,1977
8. Every Which Way but Loose,1978
9. Bronco Billy,1980
10. Any Which Way You Can, 1980
11. Honkytonk Man, 1982
12. Firefox, 1982
13. Sudden Impact, 1983
14. City Heat, 1984
15. Tightrope, 1984
16. Pale Rider, 1985
17. Heartbreak Ridge, 1986
18. Bird, 1988
19. The Dead Pool, 1988
20. Pink Cadillac, 1989
21. White Hunter, Black Heart, 1990
22. The Rookie, 1990
23. Unforgiven, 1992
24. A Perfect World, 1993
25. The Bridges of Madison County, 1995
26. Absolute Power, 1997
27. Midnight in the Garden of Good and Evil, 1997
28. True Crime, 1999
29. Space Cowboys, 2000
30. Blood Work, 2002
31. Mystic River, 2003
32. Million Dollar Baby, 2004
33. Letters from Iwo Jima, 2006
34. Gran Torino, 2008
35. Invictus plus The Eastwood Factor (2009 documentary)
Amazon Coupons
Lender taking back property at auction for a loss, tax question
Added on : Thursday December 27th 2012 07:01:11 PM
I know the typical advice is to consult a CPA or attorney, but my experience is that you guys here know way more than most "professionals". I have actually asked several CPAs / EAs about this in the last few weeks and can't get a straight answer so I thought I'd pose the question here. I was the lender on two properties that I foreclosed on this year for a "loss". Using easy numbers, let's say I had 800k cash into the loan, and when I foreclosed, I bid 600k and no one bid higher, so I took the properties back with a 200k loss on paper. My question is, does the IRS consider this a loss, and can I use it to offset other income this year?One CPA said yes, absolutely. Several others have said it isn't a loss until I sell to a third party. Thoughts? Thanks in advance.
Three years ago, I had a full time job paying $60k a year or so, and made under $1k a year profit on my website after expenses. Very simple taxes that I did myself, using the standard deduction.Thereafter, I moved to a different state and became an independent contractor. Each year has since gotten more and more complex and I will probably finally hire a tax person this year. I am a confident person as far as making money goes, and know that I can easily make $250k profit each year using 10 different strategies. However, I would hate to keep a track of all my expenses (e.g., next year I will probably make $20k revenue from eBay based on a new idea I have discovered, but I will have to keep a track of all Paypal fees, shipping fees, shipping material and packaging fees, gas fees if deductible, maybe deduction of partial rent for a portion of my home being a home office and storage area for eBay purposes and more such things that I will have to figure out). I just do not see myself keeping a track of all this crap every few hours and think its really unfair that the IRS make you do all that work instead of simplifying the whole process. I also hate trying to find each and every thing I can deduct. I am sure I forget some things every year. I do not even know if the health and dental insurance I pay is deductible for an independent contractor and will need to do that research this year!I also rent my house in another state from where I live now. Past two years have been losses and most of this year there was no tenant, but if next year is profitable, I will have to pay state income taxes in that other state and look around for what things I can deduct to pay the lowest possible taxes. No mortgage on the cheap house, but many repairs.One of my website's new advertisers is based in Germany. Have to find out how that works as far as taxes will go this year. Do I have to pay the German and US governments? If I start hosting my website in a third country next year, would I avoid paying taxes in the US (I am a US resident, but not a citizen) on the German origin income?I also have an opportunity to make some money next year by doing contract work for people in other countries (currently I only do work for US based companies and people and am dreading all the paperwork for that this year). Not keen on researching all the tax ramifications of international work.More than anything else, I absolutely hate the idea of keeping track of so many hundreds of minor expenses. I have a mild fear that I will end up guessing my expenses, and the IRS will come after me once I hit $200k or so in income in the future and ask me for receipts that I have lost or not saved. I do not fancy updating a spreadsheet of all the minor expenses every few hours of my life either. Some of my costs will include travel, gas, maybe food if deductible, motels etc...Anyone care to share how you overcame these fears, strategies to hire a good tax accountant (and average fees for one -- plus I assume those fees are deductible lol?!), worst case scenarios if the IRS comes after you and find all kinds of errors in your costs estimates or tax filing methodology etc...I hope to not let all these things hold me back and hope to get advice from a great accountant, but are most in-demand accountants willing to give you advice every few months on your strategies?
ON SALE: Forzieri - Black Double Breasted Belted Leather Jacket
Added on : Tuesday December 25th 2012 09:04:34 AM
This supple leather double breasted long jacket instills the look of absolute luxury. Dual front pocket and a belted waist adorn this gorgeous piece. Made in Italy.
Kindle Cloud Reader just requires a browser with the Adobe Flash plug-in....with lots of places to run to... (The Book Of Oprah)
10 Quick Vegetarian Burger Recipes (Only the Best Vegetarian Recipes)
101 Cures for Rainy Days of the Soul
20 Easy Slow Cooker Christmas Appetizer Recipes: Holiday Cooking For Your Gathering
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Female Scripture Biography, Volume II Including an Essay on What Christianity Has Done for Women
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How to