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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
Books & Magazines Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 130 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,
Books & Magazines Deals

Amazon Coupons
My Credit Card has been Closed.
Added on : Thursday October 23rd 2014 08:00:31 AM
g: -1 Posted By: CryingBlue
Views: 157 Replies: 4 Hi all, I have been using a credit card for various everyday purchases such as at grocery stores.

Recently my card has been closed. I spend a lot at the grocery store feeding my homeless shelter and soup kitchen.

Is there any alternative? I enjoyed the rewards the card offered and helped increase my charitable giving.
Personal Finance Deals
Free Nokia HERE Maps w/ Live Traffic for Android
Added on : Tuesday October 21st 2014 01:00:04 PM
g: 1 Posted By: remick
Views: 119 Replies: 0 http://blog.gsmarena.com/maps-officially-released-android-device...

Nokias HERE Maps launched on Samsungs Galaxy smartphones recently to offer true offline navigation and an alternative to Googles preloaded Maps.But the app was in testing only on Samsungs smartphones even despite the leaked apk file that allowed us all to sideload the HERE navigation on non-Galaxy smartphones. Now thats about to change Nokia is releasing the apk for all Android smartphones so you can try HERE maps for yourself.Youll need to download the apk file to your smartphone and sideload it (using a file manager of some sort) but youll need to go into the Security settings of your device and enable the Install from Unknown Sources option. Nokia has the entire step by step tutorial over at the source link.The app is still in beta so a few bugs are to be expected but it should be safe to try out.


http://here.com/beta/android/?lang=en-US

FAQS and Installation Info
http://here.com/help/android#installallandroid


HERE Features:
-Offline navigation: Interactive maps and hi-fi turn-by-turn voice guidance are still available even without an internet connection.
-Maps to download and to use offline for nearly 100 countries. 100MB-10GB
-Public transport maps and directions for over 800 cities in over 40 countries, also when youre offline.
-Live traffic info for more than 40 countries.
-Plan your journey on beta.here.com, then find your way there using your mobile.
-Personalize your map by creating Collections of your favourite places.
-Share your location with family and friends in real time as you go via Glympse. Its private, secure and safe.
Totally Free Deals
g: 0 Posted By: redpoppa
Views: 462 Replies: 5 Link

then click 6 New from $1,372.00See All

So I took the plunge on this....
wish me luck

They did this a while back on the top of the line curved one but that wasn't the tv I wanted so if anyone jumped on that please let me know your experience.

I was looking at BB but $3200 + tax kills it.

Then you have those NJ places ECTV/ABes/Nice etc but I really didn't want to deal with the haggling and the up-charges.

So this was my alternative...


OOS as of 245 cst


LED TV Deals

Rakuten.com Shopping Coupons
g: 0 Posted By: redpoppa
Views: 164 Replies: 2 Link

then click 6 New from $1,372.00See All

So I took the plunge on this....
wish me luck

They did this a while back on the top of the line curved one but that wasn't the tv I wanted so if anyone jumped on that please let me know your experience.

I was looking at BB but $3200 + tax kills it.

Then you have those NJ places ECTV/ABes/Nice etc but I really didn't want to deal with the haggling and the up-charges.

So this was my alternative...



LED TV Deals

Rakuten.com Shopping Coupons
iMpulse MP01 Universal Keychain Game Controller $29.99 shipped @ Woot
Added on : Sunday October 19th 2014 09:00:12 PM
g: 0 Posted By: ctgolfer
Views: 162 Replies: 0 The World's Smallest Bluetooth Controller for Smartphones and other Devices. Sized to fit right in your pocket or hang off your keychain - the impulse Controller's "Swiss Army Knife" design provides unparalleled control and flexibility. The impulse Controller functions as a key finder, game/media controller, remote selfie snapper, presentation remote, and even Apple TV remote. Why buy 5 cumbersome devices to do these tasks - the impulse handles them all,

Precision Control
The subtle click under your thumb tells you you're on course with the tactile satisfaction that simply buries the flawed touchscreen alternative

Real Buttons
No more banging the edge of your device wondering why you're out of bullets. Keep your eyes on the action instead of lost controls

iMpulse Control. Music & Movies
Take control of ANY iOS/Android-powered Media Player app from up to 100 feet away! Flick through your catalog, adjust volume and play/pause - every media command is at your fingertips! Supports ALL media apps including Spotify, Pandora and others

iMpule Shutterbug. Snap a Pic
Smartphone camera apps can be triggered from a distance! Both Android and iOS stock camera apps work with the iMpulse as well as many of your favorite 3rd party camera apps. The iMpulse adds to the functionality by propping your phone at a photo-perfect angle.

iMpulse in Your Car. Talk to Siri
Mount your iOS device on your dash and press the iMpulse to talk to Siri. When driving, get directions, select music playlists and more!

iMpulse Games
For iOS, the iMpulse plays everything that the iCade does and, if jailbroken, access 1000's of games on popular emulators.Foir Android, keyboard mode for emulators etc and gamepad mode for everything else!

iMpulse Slideshows
Capture the room with your next presentation! The iMpulse provides a reliable Bluetooth connection for response confidence every time. The media keys also let you adjust volume or pause and multimedia portions of your show. Works with all major presentation software.

iMpulse Apple TV
The iMpulse introduces the first Bluetooth remote for Apple TV! Your days of contorting to align the stock IR line-of-sight remote are OVER. In fact, you can perform remtoe functions to your Apple TV from a different room!

http://electronics.woot.com/offers/impulse-universal-keychain-ga...
Impulse Deals

woot! Coupons
*Ends tonight!* Melissa Doug Arts and Crafts - B2G1 Free @ Amazon (FSSS)
Added on : Saturday October 18th 2014 08:00:03 PM
g: 0 Posted By: st4rdust
Views: 115 Replies: 0 Amazon is offeringbuy two, get one freeon selectMelissa & Doug Arts and Crafts.They're add-ons, so shipping is free on orders of $35 or more. Expires 10/19.

These make sweet little stocking stuffers and also are great for long rides in the car. They were the best when I babysat in case of rainy days - definitely a better alternative to TV.

Favorites:

Play House! Reusable Sticker Pad(4.6/5 stars based on 258 reviews) -$4.99
Dress-Up Reusable Sticker Pad(4.6/5 stars based on 176 reviews) -$4.99
My Town Reusable Sticker Pad(4.7/5 stars based on 15 reviews) -$4.99
Make-a-Meal Sticker Pad(4.3/5 stars based on 124 reviews) -$4.99
Princess & Fairy Jumbo Coloring Pad(4.8/5 stars baed on 113 reviews) -$4.99
Dress Up Puffy Sticker Playset(4.3/5 stars based on 18 reviews) -$4.99
Bookmark Scratch Art Party Pack(4.6/5 stars based on 16 reviews) -$4.99
Magic Velvet Pattern Reveal: Butterfly(4.9/5 stars based on 8 reviews) -$4.99
Color by Numbers Coloring Book(4.7/5 stars based on 18 reviews) -$4.99



Toys & Hobby Deals

Amazon Coupons
Trade in iPad 2 or newer get minimum $200 toward iPad Air 2 at Best Buy
Added on : Saturday October 18th 2014 07:00:15 AM
g: 1 Posted By: nanga
Views: 324 Replies: 0 For 16GB WiFi only ipad 2, you will get $150 in GC and $50 in coupon to be used towards ipad air 2 at best buy.

Alternatively, amazon currently giving $150.60 trade in of white 16gb ipad 2 wifi only (no need to buy newer ipad)

Valid 10/17/1411/8/14. Coupon redemption valid through 11/15/14. In store only. Excludes iPad 1st Generation. Not all products are eligible for trade-in. Not available in all locations and some stores may have additional limitations. Trade-in value may vary. Condition, documentation and accessories may affect value. Device must power on to be considered working. Devices with cracked screens or water damage are not considered working for purposes of this offer. Payment is by Best Buy gift card. You are responsible for removing any data from your product before providing the product for evaluation. You are required to agree to the Terms & Conditions. No Dealers. Limit of 2 trade ins per person. Best Buy reserves the right to refuse any trade in or to limit quantities for any reason. Taxes and any applicable surcharges due at time of purchase. No rainchecks. Upon trade in of a qualified tablet, a trade-in coupon for $25 toward a new iPad mini 3 or $50 toward a new iPad Air 2 will print with the trade in receipt. Tax is applied based on the full retail value. Limit 1 coupon per transaction. See a Customer Specialist or BestBuy.com/Tradein for details.
iPads Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 42 Replies: 0 http://www.amazon.com/gp/product/B00K64GIGU/

5.0 out of 5 stars (8 customer reviews)

One of the Hottest Minecraft Constructing Guides of the year!!!Constructing Minecraft: How to Build BIGGER and Smarter in MINECRAFT (with step-by-step instructions)

Greetings dear reader and thank you for dedicating the time to read my Minecraft building guide! I am sure that you are eager to create awesome buildings, but I would like to take a moment of your time to talk about this eBook. You need to know that I wont just teach you how to build by presenting you with a bunch of blueprints. Instead, my goal is to help you learn advanced design principles so that you can allow your own imagination to grow outside its current boundaries and as such you will learn how to build bigger and smarter!

All of the buildings presented in this eBook will be shown step-by-step and you will be able to see exactly how they are created. But more importantly, I will also aim to show you the full thinking process behind the patterns that I use. For convenience sake I created all of these buildings in creative mode, but I will include a list of resources (and their alternatives) in case you want to make them legitimately in survival mode. The builds shown here are rather cool and pretty fun to make on a multiplayer server so feel free to get your friends in on the project!



also free

Minecraft: 2 in 1 Minecraft Game Guide Episode 1
http://www.amazon.com/gp/product/B00JPNO6NA

The game Minecraft is a sand box indie game that was an original creation of Markus Persson, a Swedish programmer who is famously known as Notch. On November 19th, 2011, a man by the name of Jens Bergensten, also known as Jeb, took over to allow Markus to concentrate on other things. It was released to the public on the 17th of May 2009. By that time, it was an alpha version which was updated before the fully published release version in 2011. Before this, an android version had been released earlier on in October 7th. After publication, the game was released on Xbox 360 as an Xbox Live Arcade game. The co-development was by 4J studios. Just like all other online games, Minecraft has periodic updates to make it current.

Minecraft is a game by Mojang that is fulfills the dreams of adventure game and creative game fans out there. It started as an indie game and is now one of the most played games out there. Minecraft is a sandbox game where you play as a lone survivor on an island with no tools, food and shelter. Gather resources from scratch, craft materials and build items in order to survive.
Minecraft is a game with endless possibilities of creating anything you want. It is like your very own universe. Test your survival skills in the Survival game mode where you have to build everything from scratch and face enemies that lurk in the night. Exercise your creativity in Creative mode with infinite resources that makes it possible to build your dream city.
Minecraft Game Guide contains all the information you will need to understand the game and the basics. If you want to know how to survive your first night, how to survive in the long run, information about different tools, how to defeat mobs and many more, check out this guide. This guide will serve as thorough learning tool for new players and a refresher for those who have not played in a while.
Totally Free Deals
1000's of Free Songs (MP3) For Download at Amazon!
Added on : Thursday October 16th 2014 08:00:03 PM
g: 0 Posted By: chibear
Views: 0 Replies: 0 Amazon has over 45,000 free downloads of songs in various categories.
http://www.amazon.com/Free-Songs-Music/s/?_encoding=UTF8&ajr=0&camp=1789&creative=390957&linkCode=ur2&qid=1413334862&rh=i%3Adigital-music-ss%2Cn%3A!195211011%2Cn%3A!251258011%2Cn%3A318768011%2Cn%3A334896011

Songs
Alternative Rock (824)
Blues (26)
Broadway & Vocalists (31)
Children's Music (46)
Christian (196)
Classic Rock (2)
Classical (223)
Country (69)
Dance & Electronic (340)
Folk (105)
Gospel (15)
Hard Rock & Metal (141)
International (146)
Jazz (84)
Latin Music (8)
Miscellaneous (43,041)
New Age (177)
Opera & Vocal (3)
Pop (440)
R&B (81)
Rap & Hip-Hop (460)
Rock (769)
Soundtracks (40)
Alternatives or non-traditional ways around Obamacare
Added on : Saturday October 11th 2014 09:00:11 AM
g: 0 Posted By: myfrogger
Views: 29 Replies: 1 I'm self employed, healthy, and I was able to keep my grandfathered individual health insurance plan through the end of 2014. I was paying $70/mo before and coverage now is $180-$350/mo. A comparable plan is around $260-$320/mo depending on the company. That's a lot of extra money! If I invested that money over the next 30 years I would have $200k-$250k! I'm interested in how to avoid parting with that money.

So how do I avoid paying the obamacare penalty and then covering my health care needs a different way?
How do I purchase a high deductible insurance and supplement the policy another way?

Some of my ideas:
-- Buy a short term policy (some can go to 364 days) and then buy another short term policy when it expires
-- Enroll in a Christian share program. I've found 3--Medishare, Semaritan Ministries, & Christian Health Care Ministries. Are their others?
-- Buy some sort of supplemental insurance to help bridge the gap. I see all kinds of plans from $10/mo to $250/mo.
-- I read that someone bought a large "medical payment coverage" on their auto insurance to cover injuries while driving. I'm not sure if this works like this but it's an idea worth exploring.
Discussion Deals
sam's club instant savings (10/29-11/26)
Added on : Saturday October 11th 2014 05:00:03 AM
g: 0 Posted By: VivYip
Views: 205 Replies: 0 my coupon insert mentioned Sam's Club instant savings will start on 10/29.

the direct link for Sam's Club instant savings will be http://catalog.samsclub.com/instantsavings/national/app.php?RelId=6.1.3.6&cid=INT_HM_HERO1_ISB

a possible alternative with the hopefully upcoming discounts is the following link: http://www.samsclub.com/sams/pagedetails/content.jsp?pageName=instant-savings-book&cid=INT_HM_HERO2_ISB

(last but not least option is, if a person has Sam's Club membership, they can also login and view the items by going to this link: http://www.samsclub.com/sams/eValues/specialSavingsHome.jsp(currently, it only shows tires for me)

Some item savings include:

(from what is shown on the coupon insert, there's no listed discounts yet on the items, yet)
bounty
dawn
starbucks k-cups
coca-cola
swiss miss


this link might also have info when it goes live http://www.samsclub.com/sams/instant-savings-book/6930116.cp

The thread will be updated ASAP and I hope this might help someone. Thank you for reading.
Grocery Deals

Sams Club Coupons
g: 4 Posted By: remick
Views: 193 Replies: 1 http://www.amazon.com/gp/product/B00KN0J9P4/

5.0 out of 5 stars (4 customer reviews)

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,
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 255 Replies: 0 https://itunes.apple.com/us/app/id844280848?

Description
For the first time in the Benjamin Universe, experience Real-Time Transformable Modern Jet Aircraft with 3 upgradeable jets along with 18 unique weapons and after-burner upgrades. Survive 20 action oriented arcade missions with 2 bonus endless mission challenges as you watch your Fighter Aircraft transform their engine and afterburner configuration in real time before your eyes, with NEW breathtaking and awe-inspiring visuals exclusively on the iOS. Featuring:

New generation of Arcade-Style Jet-Fighter experience with Transformable Afterburner technology that morphs, modifies and changes your modern aircraft in real time right before your eyes!
Enjoy Simple and Intuitive Controls: tilt your iOS device left/right to steer your Jet Fighter around city obstacles while skillfully avoiding enemy missiles.
Alternatively, for a casual ON-RAILS experience: forgo tilting and simply tap your enemies to engage the "Autopilot" while controlling your Afterburner and Weapons with a smooth 2-button interface.
Experience the Benjamin Afterburner Universe with brand new jaw-dropping effects, sights and sounds as well as ultra-fast style of arcade game play like never before!
RPG Style Progression System allows you to FREELY acquire, pilot and level-up 3 unique Transformable Modern Jet Fighter Aircraft while unlocking 18 different types of Afterburner and Weapon upgrades.
Face more than 30 different types of Afterburner enemies, including: modern jets, attack helicopters and GIGANTIC money-packed Afterburner transport aircraft!
20 action-oriented campaign missions (including 2 bonus Endless Gauntlet levels) offer over 4 hours of action-packed arcade-style Jet Fighter Afterburner game play.
Game Center support: with 7 Leaderboards and 18 elusive Achievements that demand an additional 10+ hours of game play.
Optional In-App Purchases allow you to skip the RPG grind and instantly acquire any of the playable Transformable Afterburner Fighter Jets. In addition, you can Restore your existing purchases to unlock content on multiple iOS devices.
Team up with friendly AI wingmen in the later stages of the game, and watch as your enemies fall before your elite Afterburner squadron.
Over 30 minutes of memorable original music will dynamically accompany your Benjamin Afterburner combat experience.
Adaptive AI and Randomized Enemies with Dynamic Difficulty: provide for a near endless replay value, as your opponents constantly change and adapt to your style of game play each time you engage a new or existing mission.

>> Game Play Basics:

Steer your Jet Fighter manually by tilting your device left and right, or tap your enemies to engage the ON-RAILS "Autopilot". NOTE that you must be facing your enemies directly before pressing the right "Weapons/Fire" button. Holding the left "Afterburner" button will allow you to avoid enemy missiles as well as steer around various city hazards long enough to obtain a real-time Transform modification to your Jet Fighter. Remember that the game's Dynamic On-Screen Tutorial System will always guide you on the right course of action, while prolonged use of the Weapons/Afterburner will cause a temporary overload. Also, note that your Jet Fighter is equipped with automatic repair systems which will activate shortly after you stop taking damage.

Completing missions, earning XP and leveling-up your Jet Fighter to Level 5 will unlock new playable aircraft for FREE. You may also skip the RPG grind and instantly level-up via the use of optional In-App Purchases. Each In-App Purchase can also be Restored, thus allowing you to instantly unlock playable fighter jets on multiple iOS devices.



Road Inc. - Legendary Cars for iPad
https://itunes.apple.com/us/app/id458600673?

Description
An interactive anthology of Classic Cars. Made specifically for the iPad - it comes alive with rich video, audio and cutting-edge design.

"Road Inc. is a classic-car enthusiasts dream app"
The NY Times

"It has some of the most iconic - or sometimes just weird and interesting - cars ever made, in an app with some of the best production values we've ever seen"
Top Gear

"The nearest thing possible to actually being in a motor museum!"
Classic Driver UK

"Road Inc. is the closest thing youll find to a dynamic museum exhibition and some of the best proof that there is life beyond coffee table books."
Gear Patrol

"Road Inc. lets us sate our interests using nothing but our iPads by offering up museum-quality explorations of 50 amazing autos, including 3D tours"
Uncrate.com

_____________________

Road Inc. is a fully interactive Anthology of Cars that marries the cutting edge of digital technology to traditional publishing craftsmanship.

Conceived and produced specifically for the iPad, Road Inc. directs to a new dimension for digital content. Richer than the heaviest book, deeper than a video collection, more immersive than a game, Road Inc. offers users a whole new way of experiencing this most rich and fascinating of subject areas Classic cars!

Among Road Inc's all inclusive features (no additional cost - no paying options, ever) :
* 50 landmark automobile models to unveil and explore, from the Ford T to the Bugatti Veyron. (With more to come).
* An interactive 3D museum tour allowing to explore every single angle of 50 road icons.
* Over 3,000 Archival documents including brochures, yearbooks, blueprints, adverts, plans, press articles and more...
* Over 70 videos including race archives, interviews, commercials and more...
* More than 350 high definition studio photographs from the most acclaimed automotive photographers
* More than 100 roaring engine sounds for the full experience
* Over 350 pages of original in-depth feature essays
* AirPlay support for videos, music & engine sounds(streams audio directly to your Hi-Fi speakers or Apple TV)
* Social content-sharing features (Facebook, Twitter, email)


Apps Deals

iTunes Coupons
g: 0 Posted By: tedhawkins
Views: 161 Replies: 1 Cyalume Mini ChemLight Military Grade Chemical Light Sticks, Green, 1.5" Long, 4 Hour Duration (Pack of 50) $24.99 Fs Prime

http://www.amazon.com/dp/B0052ZAKXU

ChemLight military-grade green light stick for providing illumination for up to four hours
Measures 1.5" long and provides 360 degrees of illumination
Meets DLA, NSN, and NAMSA military specifications
Chemiluminescent substance is non-toxic, and the plastic body is phthalate free for safety
Four-year shelf life from date of manufacture for a maintenance-free alternative to other lighting


Sports & Outdoors Deals

Amazon Coupons
2-Pack As Seen On TV Reusable Grill Mats $7.99 w/FS @ Tanga
Added on : Wednesday October 08th 2014 09:00:03 AM
g: 0 Posted By: ctgolfer
Views: 106 Replies: 0 same price as previous BD

Keeps your BBQ and oven clean
SGS & FDA approved
No odor or extra flavor from previous use
Oil and fat-free cooking: Allows you to cook without fat or oil for a much healthier lifestyle
Easy to clean: No need to scrub or scour easy wipe or wash
Your food is tastier, lower in calories and retains all its vitamins
Keeps small food out of the fire
Food still retains BBQ grill marks
A great alternative to aluminum foil
100% reusable
Nonstick, oil-free and fat-free cooking
For temperatures up to 500 (260C)
Easily installs and removes
Mats measure 15.75″ 13″ ( L x W)
What You Get:

2 x As Seen On TV Non-Stick Reusable Grill Mats
Brand New in non-retail bulk packaging
30 day warranty

www.tanga.com/deals/ba1a92293402
Home & Garden Deals

Tanga Coupons
g: 0 Posted By: geezlouise
Views: 199 Replies: 0 Izze 24-pack 8.4 oz cans variety flavors


Amazon has the 24-pack of 8.4 oz cans of Izze sparkling juices for $15.64 with Subscribe & Save (less if you have more than the usual 5% S&S discount). This is for the variety pack of three flavors - Blackberry, Apple and Clementine.
Price fluctuates a lot on these and cost for individual flavors vary at the moment.

Good deal for those who like the Izze beverages. These also go over well at parties as a great adult alternative to soda, especially for non-drinkers and designated drivers.



Grocery Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 103 Replies: 1 Cyalume SnapLight Industrial Grade Chemical Light Sticks, Orange, 6" Long, 12 Hour Duration (Pack of 10) Fs Prime

http://www.amazon.com/dp/B004NBZLIS

SnapLight industrial grade orange light stick for providing illumination for up to 12 hours
Measures 6" long and provides 360 degrees of illumination
Hook and gate top for hanging or attaching the light
Chemiluminescent substance is non-toxic and plastic body is phthalate free for safety
Five-year shelf life from date of manufacture for a maintenance-free alternative to other lighting


Home & Garden Deals

Amazon Coupons
g: 0 Posted By: thedarsts
Views: 200 Replies: 2 Alright so I know some people don't like Sprint and that's fine, but that's for a different conversation. This deal is huge because so often these promotions don't apply for current customers.
So there are multiple variations of this deal but I just got the combo in the title with no surprises, you just have to go in to store to get it.

So you get the normal 20GB of data for $100
There is a promotion "for a limited time" (no end date) where you get an extra 2GB per line if you get the 20GB plan.
Alternatively, the 32GB, 40GB, and 60GB plans have been bumped to 60GB, 80GB, and 120GB through 10/31.
If you get at least the 20GB plan, each phone is only $15. (if your phone is yours and not under a discount/payment plan)
So 4 phones is $100 + $15 + $15 + $15 + $15 = $160 for 28GB of data. I got this deal in store today and got email confirmation from Sprint indicating the bonus data and all.
Tablets are only an extra $10 each. Seems like a steal to me.

http://www.sprint.com/landings/datashare/index_c.html?INTNAV=ATG:HE:DataShare
Services Deals

Sprint Coupons
g: 0 Posted By: st4rdust
Views: 112 Replies: 0 Best Buy hasRocksmith 2014 Edition w/ Cable (Xbox 360or PS3) on sale for$39.99with free shipping.


4.6/5 stars based on 102 customer reviews.

Newly redesigned menus and in-game interfaces are now clear, smooth, and blazing fast. It's never been easier to play along and get feedback on your performance as you go.
Select from over 50 hit tracks, ranging from alternative rock, to heavy metal, and more. You will learn to play your favorite songs, step-by-step and note-for-note, with tutorials along the way.
A new fully-customizable Riff Repeater lets you select your section, difficulty, and speed on-the-fly.
Master Mode has been revamped to make learning by memory more approachable.
Rocksmith 2014 Edition is compatible with the original Rocksmith Real Tone Cable that plugs any real guitardirectly into Xbox 360, PS3, PC, or Mac. (Guitar requires standard 1/4" output jack.)




Review: 9/10 at IGN
Xbox 360 Games Deals
g: 0 Posted By: Muniee
Views: 13 Replies: 0 What bank(s) offers something similar to that of citibank or a better alternative?
Personal Finance Deals
g: 0 Posted By: remick
Views: 69 Replies: 0 http://www.amazon.com/gp/product/B00C7DWHCW

When you buy 'Become an Early Riser - Learn how to Rise With Ease" you get...

* Reasons to start working up early
* The top 9 mistakes to avoid when rising early
* The top 5 tips for waking up early
* Alternative sleeping schedules for early risers
* How does your body works and wake up?
* The rich and famous wake up early

PLUS... You get these amazing FREE bonuses:

Bonus 1: The Top 15 strategies to fall asleep naturally
Bonus 2: The Top 15 foods that will super charge your day
Bonus 3: The Top 15 energy sucking foods to avoid at all costs
Bonus 4: How to increase your productivity by 100%!
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 111 Replies: 0 PREMIUM 1.0 mm 540 Needles Derma Roller for Face and Body $9.49 w/code Fs Prime Amazon

http://www.amazon.com/Stainless-Microneedle-Cellulite-Pigmentati...

Apply 50% OFF code IIEKNTLA

Do You Suffer From the Following Problems?:
~ Superficial acne scarring
~ Deep scars and stretch marks
~ Sagging skin
~ Wrinkles and fine lines
~ Cellulite
~ Large pores
~ Hyperpigmentation
~ Lax Skin & Elasticity

What You Will Get Out Of Our Roller:
~ Firmer and thicker skin
~ Help smooth facial scars
~ Stimulate collagen and elastin production
~ Helps with scar removal and fading stretch marks
~ Stimulate hair growth
~ Diminish the appearance of wrinkles and fine lines
~ Save money from surgery and laser
~ Can be used on any part of the skin
~ Creates multi micro-channels in the skin, allowing products more able to penetrate into the skin at a deeper level

Why Choose Stainless Steel:
~ Is strong and the best material for this type
~ The gold standard has always been surgical stainless steel
~ Used by tattooists, doctors, surgeons and acupuncturists
~ Stainless steel offers the least reactions to the skin

Our Micro Needle Roller is your best alternative to expensive surgeries and lasers

~ Contains 540 very fine surgical/medical grade stainless steel needles.
~ Receive a free e-Book with your purchase.
~ Petunia Skincare Derma Microneedle Roller has a 90 day money back guarantee - NO questions asked.
Health & Beauty Deals

Amazon Coupons
DiscountMags Fall Blowout Sale: Magazines starting at $3.50
Added on : Friday September 26th 2014 11:00:03 PM
g: 0 Posted By: Xenocrates
Views: 345 Replies: 0 DiscountMags Fall Blowout Sale:Magazines starting at $3.99

Cooking Category

Bon Appetit - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Saveur - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
All You - (2yrs: $19.95)
Cookbook Digest - (1yrs: $9.99, 2yrs: $19.98, 3yrs: $29.97)
Yum Food & Fun For Kids - (2yrs: $24.99)

Lifestyle Category

Maxim - (1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00)
GQ - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Glamour -(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)
Self - (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Lucky - (1yrs: $4.50, 2yrs: $9.00)
Allure - (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Woman's Day - (1yrs: $4.99, 2yrs: $9.98)
Vogue - (1yrs: $7.99, 2yrs: $15.98, 3yrs: $23.97)
Garden & Gun - (1yrs: $4.50, 2yrs: $9.00)
Vanity Fair - (1yrs: $13.99, 2yrs: $27.98, 3yrs: $41.97)
Teen Vogue - (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Details - (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Oxygen - (1yrs: $14.99, 2yrs: $19.99)
Complex - (1yrs: $3.50, 2yrs: $7.00)
InStyle - (1yrs: $14.99, 2yrs: $19.99)

Tech Category

Wired - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Popular Science - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Videomaker - (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)
HDVideo Pro - (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)

Home Category

Architectural Digest - (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)
Urban Farm - (1yrs: $8.99)
Dwell - (1yrs: $4.99, 2yrs: $9.98)
Elle Decor-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Old House Journal-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00)
Arts & Crafts Homes-(1yrs: $6.99, 2yrs: $13.98)
Log Home Living-(1yrs: $3.50, 2yrs: $7, 3yrs: $10.50, 4yrs: $14)
Midwest Living-(1yrs: $4.50, 2yrs: $9, 3yrs: $13.50, 4yrs: $18)
Timber Home Living-(1yrs: $3.50, 2yrs: $7, 3yrs: $10.50, 4yrs: $14)
Southern Living-(2yrs: $19.95)
This Old House-(1yrs: $11.99, 2yrs: $15.99)
Coastal Living-(2yrs: $14.99)
Fairfield Living-(1yrs: $3.50)

Fitness Category

Weight Watchers-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)
Men's Health-(1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97)
Shape-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50)
Men's Fitness-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Women's Health-(2yrs: $7.99)
Natural Health-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Runner's World-(1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Yoga Journal-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $47.91, 4yrs: $63.88)
Running Times-(1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Bicycling-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)

Sports Category

Golf Digest-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Tennis-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00)
Sports Illustrated-(1yrs: $24.99)
Baseball Digest-(1yrs: $9.99, 2yrs: $19.98, 3yrs: $29.97)
Snowboard-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50)
Sports Illustrated For Kids-(2yrs: $19.95)

Gossip & Entertainment Category

Us Weekly-(1yrs: $19.99, 2yrs: $39.98, 3yrs: $59.97)
Rolling Stone-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Star-(1yrs: $14.99)
OK!-(1yrs: $14.99, 2yrs: $24.99, 3yrs: $29.99)
Entertainment Weekly-(1yrs: $19.99, 2yrs: $29.99)
Alternative Press-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)

Business Category

Bloomberg BusinessWeek-(1yr: $14.99, 2yrs: $29.98, 3yrs: $44.97)
Entrepreneur-(1yrs: $3.99, 2yrs: $7.98, 3yrs: $11.97, 4yrs: $15.96)
INC-(1yrs: $3.99, 2yrs: $7.98, 3yrs: $11.97, 4yrs: $15.96)
Fast Company-(1yrs: $3.99, 2yrs: $7.98, 3yrs: $11.97, 4yrs: $15.96)
Home Business-(1yrs: $5.99, 2yrs: $11.98)
Black Enterprise-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50)
Money-(1yrs: $9.99, 2yrs: $14.99)
Fortune-(1yrs: $14.99)

Family & Kids Category

Thomas & Friends-(1yrs: $14.99, 2yrs: $29.98)
Scholastic Parent & Child-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00)
Disney Princess-(1yrs: $13.99, 2yrs: $27.98)
Sparkle World-(1yr: $13.99, 2yrs: $27.98, 3yrs: $41.97, 4yrs: $55.96)
Disney Junior-(1yrs: $13.99, 2yrs: $27.98)
Yum Food & Fun For Kids-(2yrs: $24.99)
Real Simple-(1yrs: $17.99)

Travel Category

Backpacker-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Conde Nast Traveler-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Outdoor Life-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Islands-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Cruising World-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Travel 50 & Beyond-(1yr: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Canoe & Kayak-(1yrs: $6.99, 2yrs: $13.98)
Vacations-(1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Sunset-(2yrs: $14.99)
Travel + Leisure-(1yrs: $11.99, 2yrs: $14.99)

News & Local Category

The Atlantic-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
New York-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Texas Monthly-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00, 5yrs: $17.50)
Chicago-(1yrs: $4.99, 2yrs: $9.98)
Los Angeles-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Boston-(1yrs: $4.99, 2yrs: $9.98)
Atlanta-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Phoenix-(1yrs: $4.99, 2yrs: $9.98)
American Prospect-(1yrs: $18.99, 2yrs: $37.98)
Time-(1yrs: $24.99, 2yrs: $45.00)

Photo Category

Popular Photography-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Outdoor Photographer-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Digital Photo-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
American Photo-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)

Auto Category

Motor Trend-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
Automobile-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00

Magazines Deals

DiscountMags.com Coupons
DiscountMags Fall Blowout Sale: Magazines starting at $3.99
Added on : Friday September 26th 2014 08:00:02 PM
g: 0 Posted By: Xenocrates
Views: 63 Replies: 0 DiscountMags Fall Blowout Sale:Magazines starting at $3.99=10ptCooking Category

=10.0ptBon Appetit - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptSaveur - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptAll You - (2yrs: $19.95)
=10.0ptCookbook Digest - (1yrs: $9.99, 2yrs: $19.98, 3yrs: $29.97)
=10.0ptYum Food & Fun For Kids - (2yrs: $24.99)

=10ptLifestyle Category

=10.0ptMaxim - (1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00)
=10.0ptGQ - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptGlamour -(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)
=10.0ptSelf - (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
=10.0ptLucky - (1yrs: $4.50, 2yrs: $9.00)
=10.0ptAllure - (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
=10.0ptWoman's Day - (1yrs: $4.99, 2yrs: $9.98)
=10.0ptVogue - (1yrs: $7.99, 2yrs: $15.98, 3yrs: $23.97)
=10.0ptGarden & Gun - (1yrs: $4.50, 2yrs: $9.00)
=10.0ptVanity Fair - (1yrs: $13.99, 2yrs: $27.98, 3yrs: $41.97)
=10.0ptTeen Vogue - (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
=10.0ptDetails - (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
=10.0ptOxygen - (1yrs: $14.99, 2yrs: $19.99)
=10.0ptComplex - (1yrs: $3.50, 2yrs: $7.00)
=10.0ptInStyle - (1yrs: $14.99, 2yrs: $19.99)

=10ptTech Category

=10.0ptWired - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptPopular Science - (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptVideomaker - (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)
=10.0ptHDVideo Pro - (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)

=10ptHome Category

=10.0ptArchitectural Digest - (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)
=10.0ptUrban Farm - (1yrs: $8.99)
=10.0ptDwell - (1yrs: $4.99, 2yrs: $9.98)
=10.0ptElle Decor-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
=10.0ptOld House Journal-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00)
=10.0ptArts & Crafts Homes-(1yrs: $6.99, 2yrs: $13.98)
=10.0ptLog Home Living-(1yrs: $3.50, 2yrs: $7, 3yrs: $10.50, 4yrs: $14)
=10.0ptMidwest Living-(1yrs: $4.50, 2yrs: $9, 3yrs: $13.50, 4yrs: $18)
=10.0ptTimber Home Living-(1yrs: $3.50, 2yrs: $7, 3yrs: $10.50, 4yrs: $14)
=10.0ptSouthern Living-(2yrs: $19.95)
=10.0ptThis Old House-(1yrs: $11.99, 2yrs: $15.99)
=10.0ptCoastal Living-(2yrs: $14.99)
=10.0ptFairfield Living-(1yrs: $3.50)

=10ptFitness Category

=10.0ptWeight Watchers-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)
=10.0ptMen's Health-(1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97)
=10.0ptShape-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50)
=10.0ptMen's Fitness-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptWomen's Health-(2yrs: $7.99)
=10.0ptNatural Health-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptRunner's World-(1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
=10.0ptYoga Journal-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $47.91, 4yrs: $63.88)
=10.0ptRunning Times-(1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
=10.0ptBicycling-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)

=10ptSports Category

=10.0ptGolf Digest-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
=10.0ptTennis-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00)
=10.0ptSports Illustrated-(1yrs: $24.99)
=10.0ptBaseball Digest-(1yrs: $9.99, 2yrs: $19.98, 3yrs: $29.97)
=10.0ptSnowboard-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50)
=10.0ptSports Illustrated For Kids-(2yrs: $19.95)

=10ptGossip & Entertainment Category

=10.0ptUs Weekly-(1yrs: $19.99, 2yrs: $39.98, 3yrs: $59.97)
=10.0ptRolling Stone-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptStar-(1yrs: $14.99)
=10.0ptOK!-(1yrs: $14.99, 2yrs: $24.99, 3yrs: $29.99)
=10.0ptEntertainment Weekly-(1yrs: $19.99, 2yrs: $29.99)
=10.0ptAlternative Press-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)

=10ptBusiness Category

=10.0ptBloomberg BusinessWeek-(1yr: $14.99, 2yrs: $29.98, 3yrs: $44.97)
=10.0ptEntrepreneur-(1yrs: $3.99, 2yrs: $7.98, 3yrs: $11.97, 4yrs: $15.96)
=10.0ptINC-(1yrs: $3.99, 2yrs: $7.98, 3yrs: $11.97, 4yrs: $15.96)
=10.0ptFast Company-(1yrs: $3.99, 2yrs: $7.98, 3yrs: $11.97, 4yrs: $15.96)
=10.0ptHome Business-(1yrs: $5.99, 2yrs: $11.98)
=10.0ptBlack Enterprise-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50)
=10.0ptMoney-(1yrs: $9.99, 2yrs: $14.99)
=10.0ptFortune-(1yrs: $14.99)

=10ptFamily & Kids Category

=10.0ptThomas & Friends-(1yrs: $14.99, 2yrs: $29.98)
=10.0ptScholastic Parent & Child-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00)
=10.0ptDisney Princess-(1yrs: $13.99, 2yrs: $27.98)
=10.0ptSparkle World-(1yr: $13.99, 2yrs: $27.98, 3yrs: $41.97, 4yrs: $55.96)
=10.0ptDisney Junior-(1yrs: $13.99, 2yrs: $27.98)
=10.0ptYum Food & Fun For Kids-(2yrs: $24.99)
=10.0ptReal Simple-(1yrs: $17.99)

=10ptTravel Category

=10.0ptBackpacker-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
=10.0ptConde Nast Traveler-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptOutdoor Life-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptIslands-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptCruising World-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptTravel 50 & Beyond-(1yr: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
=10.0ptCanoe & Kayak-(1yrs: $6.99, 2yrs: $13.98)
=10.0ptVacations-(1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
=10.0ptSunset-(2yrs: $14.99)
=10.0ptTravel + Leisure-(1yrs: $11.99, 2yrs: $14.99)

=10ptNews & Local Category

=10.0ptThe Atlantic-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptNew York-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptTexas Monthly-(1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50, 4yrs: $14.00, 5yrs: $17.50)
=10.0ptChicago-(1yrs: $4.99, 2yrs: $9.98)
=10.0ptLos Angeles-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
=10.0ptBoston-(1yrs: $4.99, 2yrs: $9.98)
=10.0ptAtlanta-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptPhoenix-(1yrs: $4.99, 2yrs: $9.98)
=10.0ptAmerican Prospect-(1yrs: $18.99, 2yrs: $37.98)
=10.0ptTime-(1yrs: $24.99, 2yrs: $45.00)

=10ptPhoto Category

=10.0ptPopular Photography-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptOutdoor Photographer-(1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
=10.0ptDigital Photo-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
=10.0ptAmerican Photo-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)

=10ptAuto Category

=10.0ptMotor Trend-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
=10.0ptAutomobile-(1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00

=10pt
Free - City Maps 2Go Pro Offline Map for iPhone iPad
Added on : Friday September 26th 2014 03:00:09 PM
g: 0 Posted By: remick
Views: 107 Replies: 0 https://itunes.apple.com/us/app/city-maps-2go-pro-offline/id3277...

NOW FREE
only until September 28! (normal 1.99 / $2.99)

Your reliable and easy-to-use global travel companion. Detailed offline maps, in-depth travel content, popular places, and insider tips. Plan and have the perfect trip!

Why 13+ million travelers love CityMaps2Go:

PRO UNLIMITED VERSION
This Pro version gives you life-long, unlimited access to maps and travel content covering all available destinations worldwide. Alternatively, a free version, which is limited to five destinations of your choice, is available on the App Store as well.

WORLDWIDE COVERAGE
Thousands of destinations available worldwide, covering virtually the entire globe.

DETAILED MAPS
Never get lost. See your location on the map, even without an internet connection. Find streets, addresses and POIs and get pointed in the walking direction of places you want to see.

IN-DEPTH TRAVEL CONTENT
Have all the information in your pocket. For each destination, access comprehensive and up-to-date information covering thousands of places, attractions, and points of interest. Aggregated, packaged and formatted from the best data sources on the web for easy use on your smartphone and tablet.

SEARCH AND DISCOVER
Find the best restaurants, shops, attractions, hotels, bars, etc. Search by name, browse by category or discover nearby places using your devices GPS even without an internet connection.

GET TIPS AND RECOMMENDATIONS
Find tips and recommendations from locals and fellow travelers. Browse for the most popular attractions, restaurants, shops, etc.

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Create your own reviews and ratings of your favorite places. Share tips and recommendations with friends and other travelers.

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Save existing places, like your hotel, to the map. Add your own savess to the map. Add notes to places. Find and book hotels from within CityMaps2Go.

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Transfer your personal pins, notes, etc., between devices or sync them to the cloud.

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Maps and guide content are stored on your device so they can be accessed at any time even without an internet connection. That way CityMaps2Go is fast and reliable no matter if you have a Wi-Fi-only device or want to save data or roaming costs while abroad.

------------

Some technical information about CityMaps2Go:

Map data is provided by OpenStreetMap a fantastic collaborative open project comparable to Wikipedia. Hundreds of thousands of people worldwide contribute to create the most complete and up-to-date source of map and POI data. We encourage everyone to contribute! As map data quality may vary by region and urban area, please check www.openstreetmap.org for details. We regularly fetch updates from OpenStreetMap and deliver them to you free of charge.

Travel content is aggregated and compiled from open web sources like Wikipedia and OpenStreetMap as well as partner companies like Booking.com and getyourguide. By aggregating and compiling this information, we aim to give you one central, easy-to-use repository of relevant information which makes it easy for you to find and enjoy the best places and things to do on your travels.
Totally Free Deals
Considerations For Buying A Primary Home In Cash - No Mortgage
Added on : Wednesday September 24th 2014 06:00:18 AM
g: 0 Posted By: robronson
Views: 109 Replies: 4 I've never owned a home, though I consider it as a possibility in the next few years. I'm a life long renter in my 30s and have always chosen to live in modest cost of living areas. My rent over the last 10 years since I left college has been no more than $1000 per month in any place I've lived, and typically in the $600/month range. I have no interest in living in a place like NYC, LA, SF, Seattle, and that's pertinent to this post because if I did want to live there, then this strategy would be impossible.

I've built a nice nest egg in the $300k range and am shooting for early retirement, roughly in the $700k to $1M range in late 30s, early 40s. Currently able to net and save around $100k per year after taxes/living expenses and if I can keep that up, I'm well on track.

One of the major reasons for me avoiding home ownership is the mortgage process in general. While it may seem like a routine thing for most, I have a stronger-than-most protection of my privacy, and the process of getting a mortgage, for me, in my mental state, falls somewhere in the middle between root canal and prison rape. No need to go into details of my psychological fears of showing a stranger my finances, employment, and credit history, because it's how I feel and strangers commenting on this post won't fix me.

Thus, if I want to own a home, I would almost certainly do so with "cash" (certified check or whatever). Most of the areas I want to live have really nice homes in the $150k to $200k range. Given I am netting $100k per year (after living expenses, to my savings account), I can save enough money for a house in 2 to 3 years.

If I can get the liquid cash to buy a home in 2 to 3 years of work, should I do it? Any downsides? The alternative isn't getting a mortgage because I won't get a mortgage. Discussions about opportunity cost for lack of tax credits from mortgage interest aren't applicable to my situation. My alternative is continuing to rent.
Personal Finance Deals
Walmart / Green Dot Team to Offer Checking Accounts
Added on : Tuesday September 23rd 2014 04:00:24 PM
g: 0 Posted By: NEDeals
Views: 2 Replies: 0 It looks like WalMart might finally meet its goal of offering banking services. Its new relationship with Green Dot allows it to sidestep federal regulators who didn't want WalMart becoming a bank.
(NY Times) After years of thwarted efforts to break into banking, Walmartis making its biggest foray yet into everyday financial services.WalMart, the nations largest retailer, is teaming up with Green Dot,known for its prepaid payment cards, to supply checking accounts to almost anyone over 18 who passes an identification check.Daniel Eckert, senior vice president at WalMart, said on Tuesday that the accounts would be available nationwide by the end of October. The accounts are intended to be low-cost alternatives to traditional bank checking accounts, with no fees for overdrafts or bounced checks and no minimum account balance.In comparison, a basic checking account at Citibank charges $12 if a check is returned and $34 for overdrafts.Green Dot accounts with direct deposits of less than $500 a month will cost $8.95 a month. Mr. Eckert said that most people on Social Securityor fixed pensions would qualify.GoBank, as the service is known, is part of WalMarts long-running push into financial services for people with little or no access to traditional banking. In recent years, many banks have reduced services to those with weak credit. According to the Federal Deposit Insurance Corporation, an estimated 10 million households in the United States do not use a bank.

New York Times article http://www.nytimes.com/2014/09/24/business/finding-a-door-into-b...
Vegetable Spiral Slicer + Recipe Beginners Video - $9.99 @ Amazon
Added on : Tuesday September 23rd 2014 08:00:13 AM
g: 0 Posted By: Savvymommy03
Views: 177 Replies: 0 Amazon has theVegetable Spiral Slicer eBundle which includes a Recipe book & Beginners Video (Delivered via E-mail) on sale for $9.99 with free Amazon prime shipping or free shipping on orders $35+.

WHY IS THAT SO GREAT? Spiral slicing goes hand-in-hand with low-carb and Paleo diets, PROMOTING WEIGHT LOSS - more vegetables and fewer carbohydrates will lead to a HAPPIER, HEALTHIER lifestyle for you and your family.
Easily create stir-fries, salads, and even vegetable noodles for a GLUTEN-FREE alternative to pasta.


4.0 out of 5 stars based on 414 customer reviews on Amazon
Home & Garden Deals

Amazon Coupons
RockSmith 2014 Steam Edition (PC/MAC) $15 or Less
Added on : Monday September 22nd 2014 12:00:04 PM
g: 1 Posted By: quarky42
Views: 95 Replies: 0 Thanks to the information I found this expired thread,I found out today that you can:

Get RockSmith 2014 Steam Edition (without required USB cable) from Mac Game Storefor $15.
Option:Use the code: "macgames5off" without quotes for an extra 5% off during checkout bringing the price down to $14.25.

They will send you a code that you redeem in Steam for the game. (This is even cheaper than the expired deal!) Yes, they are called Mac Game Store, but this is for a Steam Powered Game which means it will work for PC or MAC.

This is the PC/Mac version redeemed through Steam. This version does NOT come with the required USB to 1/4" Guitar Cable. That cable can be found for $24 or less if you shop around. This deal is mainly intended for people that already have the cable and might be interested in getting the Steam version of this game. If you don't have the game, then consider buying the first one which comes with the cable from a store and buy this one to expand your tracks to well over 100.

INSTRUCTIONS AFTER PURCHASE:
1. You will have to install the Steam Client from SteamPowered.comand sign up for a free Steam Account through the client software. When you run the software for the first time you can sign up for an account in the software. (You can't sign up for an account on their website.)

2. Redeem the code that Mac Game Storesent you in the installed Steam Client program. I believe you have to click the "+ ADD A GAME..." in the lower left corner of the Steam Client window. Next, you'll click "Activate A Product on Steam..." and follow the onscreen instructions using the code you bought from above to install the game.

TIPS:
You can find the original RockSmith game that comes with the cable for $34 on Google Shopping. Edit: I had to cut the tip down because the RockSmith Import License that lets 2014 import the earlier game tracks requires you to own RockSmith on Steam. I'm not sure if the PC version that you buy in the store is Steam Powered or not. I think it is, but I don't want to get your hopes up. I have seen the original RockSmith go on sale on Steam, before so you can get it for a deal in the future.

ALTERNATIVE SELLER:
I also found RockSmith 2014 Steam Version from GameTimeZonefor $15 with a 5% coupon code "twizz" (without quotes). The website shows a picture of 2014. The title and Paypal Checkout doesn't say 2014 in the name. When they call to verify your phone number, address and email address that you used during checkout I confirmed with the representative that this was for the 2014 version. They emailed me the code within a couple minutes after the phone call. I won't be able to redeem the code until I get home tonight.

I hope this has been helpful. Please give me some constructive feedback if I did something wrong or could do something better. (I've only posted a few times, so please be gentle, I'm just trying to help.)
Video Games Deals
g: 0 Posted By: tedhawkins
Views: 136 Replies: 1 ViewSonic VSD220 22-Inch (21.5-Inch Vis) Full HD 1080p LED Touchscreen Smart Display and Android 4.0 ICS All-in-One $245.99 Fs Amazon lightning deal

http://www.amazon.com/gp/product/B00906HOEKPC-less computing is at your fingertips with the new ViewSonic smart display. Enjoy a terrific Android browsing experience on the high powered VSD220 21.5" display with dual point optical touch. Google Play gives you full access to thousands of Android apps. Powered by TI's multi-core OMAP processor, you'll always have super responsiveness and amazing performance. So it's fast and easy to connect with people on social media, watch movies and so much more. You won't miss a moment of the action with your friends and family thanks to the 1.3 megapixel webcam with integrated microphone for video chatting. Stay in touch at your workplace with wireless and Bluetooth connections for instant access to email, data, documents, and multimedia. You can even use the VSD220 as a full HD touch monitor* for your laptop or PC, with the handy HDMI and USB ports. So go on: surf well, watch jitter-free video, game happily and explore apps to your heart's content.Key Features:

22 (21.5 viewable) LED smart display with TI OMAP 4430 processor
Featuring Android 4.0 Ice Cream Sandwich operating system
1920x1080 Full HD resolution to support imaging intensive commercial applications, video and image editing and entertainment
Dual Optical Touch screen with 8H protective glass provides excellent touch experience and durability
Integrated 1.3MP webcam with microphone for convenient communication and video conferencing
Stereo speakers with SRS 3D Technology and headphone jack for crystal clear sound options
HDMI digital input for connection to external PC, notebook, tablet, or consumer electronics
USB peripheral and storage inputs: 2 Type A USB + 1 micro USB and micro SD card reader
VESA mountable design, 100mm holes ready for full ergonomics and comfort
Kensington lock slot for optional security
Backed by Viewsonics industry leading 3-year limited warranty

Surf BigSurf the web, access the cloud, in HD style Just like on your PC or notebook, you can access the web and cloud applications with the embedded web browser. Whether viewing your favorite news channels, checking your email, video chatting with friends and family, downloading new dinner recipes or just working on files through Google Docs, the VSD220 Smart Display is your perfect connected device to the internet. Always connected, wireless or ethernet You can stay connected with either Wireless or Ethernet connection, it's your choice! Just plug in the VSD220 and turn it on and you are instantly connected. You'll experience blazing access to web browsing, cloud based apps or streaming media .Compute with an Awesome CombinationTI Processor+ Android
Get where you want to fast. Enjoy the snappy responsiveness, and smooth, jitter-free HD media content with the outstanding combination of an IT OMAP 4430 processor and Android 4.0 Ice Cream Sandwich OS. Google GMS certification means youll have access to all the latest Android apps in the Google Play Store. making the VSD220 a well equipped alternative to traditional desktop PCs and AIO computers
Imagine all your favorite apps, on a 22 Full HD screen
Get all your favorite apps on your VSD220 Smart Display! Explore hundreds of thousands of apps on the Google Play Store, and enjoy handpicked entertainment and productivity apps from ViewSonics own Appzone. Your Android world just got a whole lot bigger!Stay ConnectedKeep in touch with friends and familyLike, follow and connect with your friends and family through your social networks. Reply to email using the standard email apps or the embedded browser. Share photos, play YouTube videos or video chat with the integrated webcam.Play HardGame Bigger
If you love Angry Birds on your cell phone, imaging playing on a generous 21.5 Full HD 1080p screen, with 5ms response time and integrated speakers. The VSD220 gives you the ultimate Android gaming experience.
Game Better
Turn the VSD220 into gaming monitor. Simply plug in your gaming console using the HDMI connector. The SRS 3D sound technology completes the package with outstanding stereo performance.
See it All
A fast response time and Full HD resolution makes streaming HD media content and watching movies more exciting than ever. HDMI input also allows you to connect a Blu-ray player or set top box, and enjoy all your favorite movies or programs with the VSD220 Smart Display.Windows on Android, Yes!The VSD220 is Citrix certified which provides users secure, fast and convenient access to remote desktop and applications on their Citrix servers in a familiar Windows environment. This makes the VSD220 a perfect thin client device for Education, SMB and Enterprise customers. Citrix Receiver app is available for download on the VSD220 product page on ViewSonic.com and also Google Play.Use it Your WayGetting started with your VSD220 Smart Display is as easy as plugging it in and turning it on. You can enjoy the touch interaction with the dual point optical touch or connect a USB keyboard and mouse if you prefer. You'll find two full size USB ports along the right edge of the display. You can also connect your Bluetooth devices wirelessly for added convenience.Peace of MindThe industry leading pixel performance guarantee and 3-year limited warranty, makes ViewSonic a market leader commitment to quality. ViewSonic is dedicated to using the highest grade panels and offers solid products you can count on.Other features:Corporate names & trademarks mentioned herein are the property of their respective companies.
Copyright 2012 ViewSonic Corporation. All rights reserved.Product Description VSD220 22-Inch (21.5-Inch Vis) Smart Display with 1920x1080 Full HD resolution, features a TI Dual Core ARM Processor and Android Ice Cream Sandwich (4.0) OS. With full Google GMS certification, users can enjoy diverse Android multimedia applications such as social networking, cloud services, and online video. Versatile connectivity options include Micro HDMI, Three USB ports (2 x Type A and 1 x Micro USB OTG), Micro SD Card, RJ45, headphone jack, and 1.2M pixel webcam with integrated microphone for video conferencing. Wireless and Bluetooth network connections provide instant access to transfer data, documents, and multimedia files. In addition, the VSD220 can also operate as a traditional 22-Inch Full HD display via HDMI to your PC/Laptop for office work, or for surfing the internet and gaming. Integrated speakers with SRS premium sound complete the package for your multimedia enjoyment.

Monitors Deals

Amazon Coupons
Lapis Gray Leather High Top Sneaker crafted in supple leather is a contemporary alternative to the classic athletic trainer. Featuring back zip tab closure, lace up detail, rounded toe, leather lining and white rubber sole. Signature dust bag and box included. Made in Italy.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
Alternatives for a small business to keeping a credit card on file?
Added on : Friday September 19th 2014 03:00:11 PM
g: 0 Posted By: JacksonX
Views: 0 Replies: 0 A lot of businesses (mine included) have started to keep credit cards on file for clients.

Security being what it is, a lot of customers do not feel comfortable with these policies (and I cannot blame them)

Has anyone come up with a solution to being able to secure payment through a third party in the case that a customer doesn't pay a balance? This would decrease the risk associated with keeping credit cards on a "secure" server.
Viator Credit Card Data Breach
Added on : Friday September 19th 2014 06:00:17 AM
g: 0 Posted By: burgerwars
Views: 94 Replies: 0 Viator is a website where you can book vacation tours.

September 19, 2014Dear Viator Customer

We want to make you aware that Viator has experienced a data compromise that could potentially affect payment card data used to make bookings through Viator's websites and mobile offerings. If you have created a Viator account, this compromise may also affect your email address, password and Viator "nickname." We deeply regret any inconvenience this may cause. The protection of our customers' personal information is of paramount concern. We are dedicating all the resources necessary to investigate and resolve this incident.

We have alerted the credit card companies and law enforcement, in addition to taking appropriate steps to secure our systems. We are writing to make you aware of the occurrence so that you can also monitor your accounts as a prudent measure, and take any other precautions you believe may be appropriate. We are offering our customers in the U.S. free identity protection services, including credit monitoring.

Meanwhile, we are continuously working to strengthen our security measures to help minimize the potential for incidents of this nature in the future. While our investigation is ongoing, here is some important information to be aware of.

What Happened:
On September 2, we were informed by our credit card service provider that unauthorized charges had been made on a number of our customers' credit cards. We have hired forensic experts, notified law enforcement and we have been working diligently and comprehensively to investigate the incident, identify how our systems may have been impacted, and secure our systems. Although our investigation is continuing, we currently believe that some forms of your data may be affected by the compromise. This information includes encrypted credit or debit card number, along with card expiration date, name, billing address, email address and, if you have created a Viator account, the associated email address, encrypted password and Viator "nickname." At this time, we have no reason to believe that the three or four digit value printed at the back or front of your card was compromised. Additionally, debit PIN numbers are not collected by Viator and could therefore not be compromised.

Steps You Can Take To Further Reduce Your Risk of Identity Theft/Fraud:
We recommend that all affected customers monitor their card activity and report any fraudulent charges to their credit card company. It is always a good practice to review your credit and debit card account statements regularly for suspicious activity. If you notice suspicious activity involving your account, please report it immediately to the appropriate financial institution or credit card company. You will not be responsible for fraudulent charges to your account if you report them in a timely manner.

To assist our customers in the U.S., we are offering free identity protection services, including credit monitoring. More information on that offer is below.

Additionally, we encourage you to reset your Viator password the next time you sign in to your Viator account, and change it on any other sites where you used the same password.

To change passwords on the Viator site, click on the "Change Password" on the "My Profile" tab, once signed in. Here are some tips to help you create a strong password: (1) make sure your password is at least six characters in length; (2) combine numbers and letters and dont include commonly used words; (3) include punctuation marks; and (4) mix capital and lowercase letters. It is also advisable to use a different password on different sites.

If you have questions related to this situation, you can contact us anytime through our dedicated toll-free information helpline at 888-680-0710 or at 702-939-9819. 1

Responding properly to this incident is our top priority, and we are committed to taking all appropriate steps to safeguard your personal information. For over 10 years, Viator's mission has been dedicated to offering travelers the best tours and activities worldwide, and to delivering a superior experience in all our customer interactions. That mission continues. We deeply regret any inconvenience or concern this may cause you and we thank you for your patience as we continue our investigation. We are focused on doing everything possible to maintain your trust so that we can continue to serve you in the future.

Sincerely,

Barrie Seidenberg
CEO, Viator creative_images_transparentspacer.gifcreative_images_transparentspacer.gifcreative_images_spacer.gifSteps You Can Take To Further Protect Your Information creative_images_transparentspacer.gifcreative_images_spacer.gifReview Your Account Statements
As a precautionary measure, we recommend that you review your account statements and credit reports closely. If you detect any suspicious activity on an account, you should promptly notify the financial institution or company with which the account is maintained. You also should promptly report any fraudulent activity or any suspected incidence of identity theft to proper law enforcement authorities, your state attorney general, or the Federal Trade Commission. In some states, you may also obtain a police report regarding this incident.

Free Credit Monitoring
To help protect your identity, we are offering a complimentary one-year membership of Experian's ProtectMyID Alert. This product helps detect possible misuse of your personal information and provides you with superior identity protection support focused on immediate identification and resolution of identity theft.

Activate ProtectMyID Now in Three Easy Steps
1. ENSURE That You Enroll By: December 31, 2014 (Your code will not work after this date.)
2. Visit the ProtectMyID Web Site to enroll: www.protectmyid.com/redeem
3. PROVIDE Your Activation Code:

If you have questions or need an alternative to enrolling online, please call 866-926-9801 and provide engagement #:

Additional details regarding your 12-month ProtectMyID Membership:

A credit card is not required for enrollment.

Once your ProtectMyID membership is activated, you will receive the following features:

Free copy of your Experian credit report
Surveillance Alerts for:
creative_images_spacer.gif o Daily Bureau Credit Monitoring: Alerts of key changes & suspicious activity found on your Experian, Equifax and TransUnion credit reports. creative_images_spacer.gif Identity Theft Resolution & ProtectMyID ExtendCARE: Toll-free access to US-based customer care and a dedicated Identity Theft Resolution agent who will walk you through the process of fraud resolution from start to finish for seamless service. They will investigate each incident; help with contacting credit grantors to dispute charges and close accounts including credit, debit and medical insurance cards; assist with freezing credit files; contact government agencies.
creative_images_spacer.gif o It is recognized that identity theft can happen months and even years after a data breach. To offer added protection, you will receive ExtendCARE, which provides you with the same high-level of Fraud Resolution support even after your ProtectMyID membership has expired. creative_images_spacer.gif
$1 Million Identity Theft Insurance2: Immediately covers certain costs including, lost wages, private investigator fees, and unauthorized electronic fund transfers.

Once your enrollment in ProtectMyID is complete, you should carefully review your credit report for inaccurate or suspicious items. If you have any questions about ProtectMyID, need help understanding something on your credit report or suspect that an item on your credit report may be fraudulent, please contact Experians customer care team at 866-926-9801.

Credit Report Monitoring
You may obtain a free copy of your credit report from each of the 3 major credit reporting agencies once every 12 months by visiting http://www.annualcreditreport.com, calling toll-free 877-322-8228, or by completing an Annual Credit Report Request Form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. You can print a copy of the request form at
http://www.consumer....equest-form.pdf.
Or you can elect to purchase a copy of your credit report by contacting one of the three national credit reporting agencies shown below.
creative_images_spacer.gifEquifax
(800) 685-1111
www.equifax.com
P.O. Box 740241
Atlanta, GA 30374
creative_images_spacer.gifcreative_images_spacer.gifExperian
(888) 397-3742
www.experian.com
535 Anton Blvd., Suite 100
Costa Mesa, CA 92626
creative_images_spacer.gifcreative_images_spacer.gifTransUnion
(800) 916-8800
www.transunion.com
P.O. Box 6790
Fullerton, CA 92834
creative_images_spacer.gif
Additional Free Resources on Identity Theft
You may wish to review the tips provided by the Federal Trade Commission on how to avoid identity theft. For more information, please visit http://www.ftc.gov/idtheft or call 1-877-ID-THEFT (877-438-4338). Maryland residents may also wish to review information provided by the Maryland Attorney General on how to avoid identity theft at http://www.oag.state.md.us/idtheft, or by sending an email to idtheft@oag.state.md.us, or calling 410-576-6491. North Carolina residents may wish to review information provided by the North Carolina Attorney General at http://www.ncdoj.gov, by calling 877-566-7226, or writing to 9001 Mail Service Center, Raleigh, North Carolina 27699.

Fraud Alert
You may consider placing a fraud alert on your credit report. This fraud alert statement informs creditors of possible fraudulent activity within your report and requests that the creditor contact you prior to establishing any accounts in your name. To place a fraud alert on your credit report, contact any of the three credit reporting agencies identified above. Additional information is available at http://www.annualcreditreport.com.

Security Freeze
In some U.S. states, you have the right to put a security freeze on your credit file. This will prevent new credit from being opened in your name without the use of a PIN number that is issued to you when you initiate the freeze. A security freeze is designed to prevent potential creditors from accessing your credit report without your consent. As a result, using a security freeze may interfere with or delay your ability to obtain credit. Additionally, if you request a security freeze from a consumer reporting agency there may be a fee up to $10 to place, lift, or remove the security freeze; however, this fee may be less in certain states (in MA, up to $5). In order to place a security freeze, you may be required to provide the consumer reporting agency with information that identifies you including your full name, Social Security number, date of birth, current and previous addresses, a copy of your state-issued identification card, and a recent utility bill, bank statement or insurance statement. You must separately place a security freeze on your credit file with each credit reporting agency.
Discussion Deals
REQUEST: Flight from Los Angeles, CA to Tampa, FL on Mid December
Added on : Thursday September 18th 2014 10:00:09 AM
g: 0 Posted By: mabrikh
Views: 43 Replies: 0 I might be looking too early for this but I need some advice about what's the cheapest way to buy tickets for following time:

Travel: From Los Angeles, CA [I can fly from Long Beach (LGB) and Santa Ana (SNA) too] to Tamp, FL (TPA is the airport code)
Date: Saturday 13th December (Saturday) thru 20th December (Saturday). +/- two day is okay.
Numbers: Four Passengers (Two Adults and two kids, 3,5 ages)

I know it will be almost a Christmas time and ticket won't be cheap but I want to get an idea about how much of monetary damage I am looking at. I searched via Kayak and Southwest and I found $425 and $474.00 respectively. For family of four, it will be around $1700.00...that seems quite expensive. I know I am going from West Coast to East Coast but I want to get an idea about any alternative airports I can fly for cheaper price.

Please help out fellow FW.

Air Travel Deals
g: 0 Posted By: priyacg
Views: 127 Replies: 0 Magid T143 KnitMaster Cotton/Polyester Lightweight Seamless Knit Glove, Men Size $3.80 FS Prime at Amazon

http://www.amazon.com/Magid-KnitMaster-Polyester-Lightweight-Glo...

Magid KnitMaster standard machine knit glove. The T143 is a high quality cotton/polyester blend that offers excellent Cut Level 2 protection. This durable glove also features an overedge to prevent unraveling when washed. Dextrous and comfortable, the light weight T143 is a perfect glove for general maintenance, packaging, inspection, material handling, assembly, and shipping and receiving. 9-1/2-inches length. Men size. Natural color.
Lightweight cotton/polyester knit
Economical alternative to canvas
ANSI cut level 2 protection
Seamless construction, snug fit
Features an overedge to prevent unraveling when washed
g: 2 Posted By: st4rdust
Views: 516 Replies: 0 Amazon hasRocksmith 2014 Edition w/ Cable(Xbox 360, PC/Mac or PS3) on sale for$39.99with Free Super Saver Shipping.

4.4/5 stars based on 788 customer reviews.

Newly redesigned menus and in-game interfaces are now clear, smooth, and blazing fast. It's never been easier to play along and get feedback on your performance as you go.
Select from over 50 hit tracks, ranging from alternative rock, to heavy metal, and more. You will learn to play your favorite songs, step-by-step and note-for-note, with tutorials along the way.
A new fully-customizable Riff Repeater lets you select your section, difficulty, and speed on-the-fly.
Master Mode has been revamped to make learning by memory more approachable.
Rocksmith 2014 Edition is compatible with the original Rocksmith Real Tone Cable that plugs any real guitardirectly into Xbox 360, PS3, PC, or Mac. (Guitar requires standard 1/4" output jack.)


If you are looking for a starter kit to play this game, hereis an option for $199 and anotherfor $100.

When this deal was posted in June, there was some great FW member discussion. Check it out here.

Review: 9/10 at IGN
PS3 Deals

Amazon Coupons
Rocksmith 2014 Edition w/ Cable (Xbox 360 or PS3) - $39.99 + FSSS @ Amazon
Added on : Wednesday September 17th 2014 01:00:05 AM
g: 1 Posted By: st4rdust
Views: 238 Replies: 0 Amazon hasRocksmith 2014 Edition w/ Cable(Xbox 360 or PS3) on sale for$39.99with Free Super Saver Shipping.

4.4/5 stars based on 788 customer reviews.

Newly redesigned menus and in-game interfaces are now clear, smooth, and blazing fast. It's never been easier to play along and get feedback on your performance as you go.
Select from over 50 hit tracks, ranging from alternative rock, to heavy metal, and more. You will learn to play your favorite songs, step-by-step and note-for-note, with tutorials along the way.
A new fully-customizable Riff Repeater lets you select your section, difficulty, and speed on-the-fly.
Master Mode has been revamped to make learning by memory more approachable.
Rocksmith 2014 Edition is compatible with the original Rocksmith Real Tone Cable that plugs any real guitardirectly into Xbox 360, PS3, PC, or Mac. (Guitar requires standard 1/4" output jack.)


If you are looking for a starter kit to play this game, hereis an option for $199 and anotherfor $100.

When this deal was posted in June, there was some great FW member discussion. Check it out here.

PS3 Deals

Amazon Coupons
5 Star Hotel Luxury Down Alternative Pillow $9.99 + Ship @annaslinens.com
Added on : Tuesday September 16th 2014 04:00:06 PM
g: 0 Posted By: blackjerry
Views: 181 Replies: 0 http://www.annaslinens.com/5-star-hotel-luxury-down-alternative-...

was: $20.00

Details:
Enjoy a great night sleep with the remarkable 5 Star Hotel Luxury 300 Thread from Hollander. Featuring a patented super size design, the pillow provides the maximum support. Rest your head and experience the luxury of a five star hotel with this incredible pillow every night!

300 Thread count
Resilient polyester fiber and hypoallergenic
Ideal support for back and side sleepers
Imported
Product Measurements:

Standard - 20" W x 26" L
Queen - 20" W x 30" L
King - 20" W x 36" L
Bedding Deals

Banana Republic CA Coupons
g: 0 Posted By: SegaRob
Views: 43 Replies: 0 Here is a list of NYS municipal bonds funds from BlackRock: http://www.blackrock.com/investing/products/product-list#categor...

They have similar funds for other states and national. The NY funds invest in bonds "exempt from federal income taxes (including the alternative minimum tax) and New York State and New York City personal income" which could be 40-50% for high-income earners. Currently, they are selling at 10% discount to net-asset value (NAV) which means you're paying 10% less than buying the bonds individually. I've looked into some of the underlying bonds and they seem to be trading at roughly 10% premium to par value so with the bond fund you're entering at roughly par value. The default rates are exceedingly low.

Over the last 10 years, when including dividends/distributions, these funds have performed similarly to S&P and Dow indexes: http://stockcharts.com/freecharts/perf.php?$INDU,SPY,MHN
The graph doesn't include taxes, so after taxes, the net gain is quite similar. At some points, the gains have far outpaced the stocks which might be in the cards for the near future if there's a correction in the stock market after the last few years of significant gains.

With the fed meeting tomorrow, I expect there might be a big spike up or down depending on the outcome. Despite the short-term volatility, I think long-term that the bonds will converge towards par-value and the fund will converge towards NAV which is essentially leads us to the same prices at present. Even without price/capital appreciation, the ~6% yield equivalent to 10% taxable yield is far better than any savings account at present or anytime in the near future. Depending on your thoughts about what the fed report might entail, you may prefer to invest now or after the meeting tomorrow when the dust settles.
Investing Deals
Woodbridge financial
Added on : Tuesday September 16th 2014 02:00:07 AM
g: 0 Posted By: blackie7955
Views: 41 Replies: 0 Any one ever deal with these people in the past. They have some interesting alternative investments (first position mortgages-1 year term) and would love to know if anyone here has any experience with them. Thanks in advance for any help.
g: 0 Posted By: frankietp
Views: 54 Replies: 0 NoMoreRack.com has the 4-Pack: Club Le Med 100% Cotton Hypoallergenic Down-Alternative Pillows for only $38. Shipping is only $2.

http://www.nomorerack.com/daily_deals/view/1019530-4_pack__club_...

This is a very good deal compared to other stores I saw them on.
Bedding Deals

NoMoreRack Coupons
g: 0 Posted By: tedhawkins
Views: 50 Replies: 0 Cyalume SnapLight Industrial Grade Chemical Light Sticks, Orange, 6" Long, 12 Hour Duration (Pack of 100) $64.39 Fs Amazon

http://www.amazon.com/Cyalume-SnapLight-Industrial-Chemical-Dura...


SnapLight industrial grade orange light stick for providing illumination for up to 12 hours
Measures 6" long and provides 360 degrees of illumination
Hook and gate top for hanging or attaching the light
Chemiluminescent substance is non-toxic and plastic body is phthalate free for safety
Five-year shelf life from date of manufacture for a maintenance-free alternative to other lighting

Reusable Grill Mats (2-pk.) - $7.98 shipped @ Tanga
Added on : Sunday September 14th 2014 12:00:04 PM
g: 0 Posted By: hellokitty27
Views: 318 Replies: 0 Tanga has Reusable Grill Mats (2-pk.)for $4.99 w/ $2.99 shipping.

Keeps your BBQ and oven clean
SGS & FDA approved
No odor or extra flavor from previous use
Oil and fat-free cooking: Allows you to cook without fat or oil for a much healthier lifestyle
Easy to clean: No need to scrub or scour easy wipe or wash
Your food is tastier, lower in calories and retains all its vitamins
Keeps small food out of the fire
Food still retains BBQ grill marks
A great alternative to aluminum foil
100% reusable
Nonstick, oil-free and fat-free cooking
For temperatures up to 500 (260C)
Easily installs and removes
Mats measure 15.75-in. 13-in. (L x W)

Home & Garden Deals

Tanga Coupons
g: 0 Posted By: ctgolfer
Views: 48 Replies: 0 use promo code: 10DFCCMC

free shipping with Prime or on $35+

PowerIQTM technology maximizes compatibility with Android, Apple or other devices by enabling charge speeds of up to 2.4 amps.
Simultaneous charging through two ports provides uninterrupted use of your devices' navigation and media functions while on the road.
Smaller than most 10 / 15 watt alternatives (2.9 1.0 0.9in / 7.3 2.65 4cm) adding minimal bulk to your center console, with a 3ft / 0.9cm Micro USB Cable included.
Industrial-grade plastic construction and premium circuitry ensure lifetime reliability; 12-24 volt input compatible with all standard cigarette-lighter sockets.
Package contents: Anker 24W Dual-Port Car Charger, 3ft Micro USB Cable, welcome guide, 18-month hassle-free warranty.

www.amazon.com/dp/B00DDLYCUW/
Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: DizzyT71
Views: 161 Replies: 0 WalMart has theCanada's Best Lightweight Down Alternative Bedding Comforter (King)on sale for $19.99 with free store pickup.
Was: $29.97


King size: 86-inx 102-in
Microfiber cover
Polyester fill
Works well for all seasons
Machine washable comforter


4.2/5 Stars based on 18 customer reviews on product page.
Bedding Deals

Walmart Coupons
WG500 3-in-1 WORX TRIVAC Blower/Mulcher/Vacuum $59.99 FS @ Worxgt via eBay
Added on : Tuesday September 09th 2014 01:00:03 PM
g: 0 Posted By: DizzyT71
Views: 259 Replies: 0 worxgt via eBay has the WG500 3-in-1 WORX TRIVAC Blower/Mulcher/Vacuumon sale for $59.99 with free shipping.

Next lowest price on Google Products is $84.99 shipped from a rated merchant.

WORX electric blower and vacuum can blow away debris then easily change to vacuuming in seconds
WORX blower and vacuum makes an efficient alternative to gasoline-powered tools
Angled tube for access under bushes or storm drains
Compact lightweight design for single-handed operation in both blowing and vacuuming modes
Ergonomically designed with soft grip handles to accommodate all heights and reach, providing maximum comfort and control


3.7/5 Stars based on 656 customer reviews on Amazon.

Tools Deals

eBay Coupons
g: 0 Posted By: tedhawkins
Views: 270 Replies: 0 5 pk of 16 oz Double Wall Insulated Reusable Tumblers w/ Stainless Steel Straws $9.98 w/code Fs @ 13deals
http://www.13deals.com/store/item.php?id=38602

Apply code TUMBLERONThe 16 oz Reusable Cold Drink Cups w/ Straw is designed to replace the disposable cups used to serve your favorite cold drinks. The double wall design keeps your drinks cold & your hands dry. Made from bpa free re-usable washable plastic this is the perfect safe & practical! These cups are unique as they come with stainless steel straws. Most plastic cups come with plastic straws which are easily broken.Product Features:

Reusable 16-ounce cold-drink cup offers an eco-friendly alternative to wasteful disposables
BPA-free plastic construction; double-wall design helps keep beverages chilled
Screw-on lid and reusable straw eliminate spills and allow for easy sipping on the go
Great for water, iced coffees, soft drinks, smoothies, and other cool beverages; hand wash
Measures approximately 4 by 4 by 6-3/5 inches
You will receive 5 cups and 5 stainless steel straws per order.

Home & Garden Deals
g: 0 Posted By: ctgolfer
Views: 185 Replies: 0 Features:
Advanced Focus System - fully adjustable focus from a spot to flood beam. Bezel can be rotated into desired focus level.
The flashlight switch has three modes of light output: Press Once: High Intensity Spot/Flood focus, Press Twice: Low Intensity Spot/Flood focus, Press Third Time: High Intensity Strobe Feature
3.7V lithium ion battery for up to 500x's with a sustained illumination reaching up to 3 hours.
Warning: Do not stare directly into light due to intense light beam
3500maH Rechargeable battery

What's Included:
3.7V Lithium Ion Battery
Wall Charger
Car Charger
Alternative (3AAA) Battery Option (Batteries not included)

www.ebay.com/itm/SWAT-BW8202-XM-L-T6-3W-CREE-120-Lumens-LED-Flas...
Home & Garden Deals

eBay Coupons
Gun Digest Guide to Maintaining & Accessorizing Firearms $19.99 + $3.99 S/H
Added on : Saturday September 06th 2014 05:00:04 AM
g: 0 Posted By: tedhawkins
Views: 143 Replies: 0 Gun Digest Guide to Maintaining & Accessorizing Firearms $19.99 + $3.99 S/H

http://www.gearhog.com/

Deal Overview
By Kevin Muramatsu

You'll appreciate this gun maintenance guide if:

+ You own a handgun, rifle, or shotgun, and want to know how to effectively care for your firearm
+ You're interested in learning about different upgrade and accessory options for your firearm

The Gun Digest Guide to Maintaining & Accessorizing Firearms by Kevin Muramatsu provides user-friendly and DIY advice for how best to care for your guns. Learn the basic steps you need to know and the tools you need to use in order to correctly and safely clean, maintain, and accessorize your firearms without damaging them. Discover the right and wrong ways to clean and maintain handguns, rifles, and shotguns, and learn alternatives to more expensive processes for keeping your gun in prime condition, like refinishing at home and adding custom designs.

In addition to the basics of gun maintenance, cleaning and care, Kevin Muramatsu stresses firearm owners' desires to personalize their guns, and caters to this desire with coverage of plenty of the goodies available for different models. Find out the why, what, and how for stocks, barrels, triggers, sight upgrades, mounting optics, swivels, swings, and much more. If your goal is to give your gun a unique look and feel, this guide will show you how to make that happen. Take advantage of the invaluable advice offered in this gun maintenance guide to ensure you are not only caring for your firearms the right way, but are making them uniquely your own.

In the Gun Digest Guide to Maintaining & Accessorizing Firearms you'll find:

+ Hundreds of detailed, full-color images, directly supported by detailed, instructive text
+ Answers to the most common gun maintenance and care questions
+ The basic steps for correctly cleaning, maintaining, and accessorizing firearms without damaging them

Contents:

Acknowledgements
Introduction
Chapter 1: The Guns and the Choices
Chapter 2: Tools and Safety Stuff
Chapter 3: Cleaning and Maintenance
Chapter 4: Grips and Stocks
Chapter 5: Magazines
Chapter 6: Sights
Chapter 7: Lights and Lasers
Chapter 8: Scopes and Optics
Chapter 9: Slings and Bipods
Chapter 10: Triggers and Fire Control
Chapter 11: Barrels
Chapter 12: Refinishing at Home
Appendix 1: Building Your Own, Legally
Appendix 2: Parts Resources
Books Deals
g: 0 Posted By: st4rdust
Views: 212 Replies: 0 Express is offering 4 Pairs of Men's Chino Pantsfor $1559.60 - coupon code "1228" =$84.60. Shipping is free on orders of $100 or more to avoid the $8.00 flat-rate fee.

Alternatively, you can purchase 2 pairs instead of 4 for $79.80 - coupon code "1228" =$49.80.
Clothing Deals

EXPRESS Coupons
g: 0 Posted By: ctgolfer
Views: 168 Replies: 0 shipping adds $5

Solid wood alternative to plastic storage. Unit rolls under workspace to maximize space, but also keeps items in reach. Ideal for crafters to organize smaller items. Strong drawers are deep and wide. Casters for easy mobility.

Material: Pine Wood
Solid Wood -- No particle board
Home storage on wheels
Can double as an end table or night stand
Ideal storage for crafts, scrapbooking, sewing, and toys
For use in any room of the house
Your choice of regular drawers or wide drawers

Specifications Regular Drawer:
Dimensions ~ H 25.8" x W 13.4" x D 15.6"
Weight ~ 21 lbs.

Wide Drawer:
Dimensions ~ H 25.43" x W 20.75" x D 15.35"
Weight ~ 29.05 lbs.



http://home.woot.com/offers/adeptus-6-drawer-rolling-carts-2-sty...
Home & Garden Deals

woot! Coupons
yamaha 88 key digital piano, p series 105B $599.99 FS @amazon
Added on : Friday September 05th 2014 07:00:06 AM
g: 0 Posted By: Goldie53
Views: 128 Replies: 1 http://www.amazon.com/Yamaha-Series-P105B-88-Key-Digital/dp/B008FVBX7A/ref=sr_1_10?m=ATVPDKIKX0DER&s=musical-instruments&ie=UTF8&qid=1409935034&sr=1-10
Ships and sold by Woodwind and Brasswind.
List Price: $999.00 Price: $599.99&FREE Shipping.Details You Save: $399.01 (40%)
The P-105 is a compact digital piano with Yamaha's oustanding touch and tone. It is portable, easy-to-use, and versatile for everyone from a beginner to the more advanced player.

PureCF-sampled piano: Sampled from Yamaha's own acclaimed CFIII concert grand, no digital piano at this price point delivers recordings from such a high-end instrument.
Pianist styles: This built-In duet partner plays along with you in one of ten different playing styles.
Built-In drum patterns: Basic drum patterns put the "fun" back into practicing and is a practical alternative to a metronome. Or turn your solo act into a two piece band where the drummer is always on time.
88-note, weighted GHS action: Heavier touch in the low end and lighter in the highs, just like an acoustic piano
128-note polyphony: Even when using dual Voice and split mode with a drum pattern, 128-note polyphony ensures every note gets heard.

Music Deals

Amazon Coupons
Tablet 7" with 3GB KitKat 4.4.2 Android, Beartab $139 Amazon
Added on : Friday September 05th 2014 05:00:05 AM
g: -2 Posted By: mist
Views: 825 Replies: 1 Amazon Beartab 7" tablet - cheap alternative to ipad mini or nexus 7 LTE
Android Tablets Deals

Amazon Coupons
Giveaway of the Day - Photomizer Retro 2.0
Added on : Thursday September 04th 2014 09:00:06 PM
g: 0 Posted By: softwaredealhunter
Views: 22 Replies: 0 Brilliant and easy image editing for nostalgia-fans and creative amateur photographers. Photomizer Retro has one thing above all: A great nostalgia-function in order to give you the possibility to create charming retro images. The software turns the image editing upside down and helps you to give new photos an old splendour.The simulation of old cameras and black-and-white films helps you to revive the very special charm of past eras. For this purpose, the program was equipped with special retro filters in order to reproduce the peculiarities of many historic cameras and film material that has not been available for a long time. Together with the new frames and the surprisingly effective Lo-Fi alternative you guarantee a lot of surprising effects in your digital slide shows and photo books. By the way, Lo-Fi is the simulation of a nearly extinct type of photography with simple equipment, like for instance a pinhole camera.

http://www.giveawayoftheday.com/photomizer-retro-2-0/
Totally Free Deals
Tablet 7" with 3GB Beartab $139 Amazon
Added on : Thursday September 04th 2014 05:00:04 PM
g: -1 Posted By: mist
Views: 579 Replies: 1 Amazon Beartab 7" tablet - cheap alternative to ipad mini or nexus 7 LTE
Android Tablets Deals

Amazon Coupons
Tablet 7" with 3GB Beartab $139
Added on : Thursday September 04th 2014 10:00:10 AM
g: 0 Posted By: mist
Views: 116 Replies: 0 Amazon Beartab 7" tablet - cheap alternative to ipad mini or nexus 7 LTE
Android Tablets Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 210 Replies: 0 http://www.groupon.com/deals/gg-hotel-grand-down-alternative-comforter-5$29.99Buy!
Value Discount You Save $99.99 70% $70
Options

Twin: 68"x88" down-alternative comforter, 29oz fill weight
Full/queen: 88"x88" down-alternative comforter, 40oz fill weight
King: 104"x88" down-alternative comforter, 48oz fill weight

Hotel Grand Down-Alternative Comforter

Medium warmth
Comfortable in most any climate
End-to-end box construction
Fill stays in place
Hypoallergenic
Microfiber shell filled with 100% down-like polyester fibers
Machine washable

For questions pertaining to this deal, click the Ask a Question button below. For post-purchase inquiries, please contact Groupon customer support.

View the Groupon Goods FAQ to learn more.In a NutshellComfortable whether it's frigid outside or merely chilly, these fluffy comforters cover sleeping bodies in soft microfiberThe Fine PrintLimit 3 per person, may buy 2 more as gifts. Free returns. Does not ship to AK/HI/Canada/Puerto Rico. Most orders are delivered within 7 business days from the purchase date. Does not ship to PO boxes. See return policy. Must pay applicable tax and provide name and shipping address at checkout, which will be shared to facilitate shipping. Goods sold by Groupon Goods.

Bedding Deals

Groupon Coupons
g: 0 Posted By: luv2shop80
Views: 200 Replies: 0 NoMoreRack has theUltra-Plush Overfilled and Oversized Down-Alternative Comforterfor $30.00 + $2.00 shipping =$32.00.

100% Polyester Fill
Double Down-Alternative Comforter
90 GSM Shell

Bedding Deals

NoMoreRack Coupons
g: 0 Posted By: ctgolfer
Views: 169 Replies: 0 85%-90% Off Category

Wired (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Popular Science (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Us Weekly (1yrs: $19.99, 2yrs: $39.98, 3yrs: $59.97)
Shape (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Maxim (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
GQ (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Men's Fitness (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Women's Health (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Car and Driver (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
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Marie Claire (1yrs: $4.50, 2yrs: $9.00)
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Elle Decor (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
INC (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18)
Woman's Day (1yrs: $4.99, 2yrs: $9.98, 3yrs: $29.97)
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O, The Oprah Magazine (1yrs: $6.99)
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Time Out New York (1yrs: $4.99, 2yrs: $8.99)
Atlanta (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)
Alternative Press (1yr: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Artnews (1yrs: $7.99, 2yrs: $15.98, 3yrs: $23.97)

80%-85% Off Category

Popular Science (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Men's Health (1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97)
Good Housekeeping (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Backpacker (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Country Living (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)
Dwell (1yrs: $4.99, 2yrs: $9.98)
Running Times (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Old House Journal (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
American Photo (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Bridal Guide (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Dog Fancy (1yrs: $11.99)
Complex (1yrs: $3.50, 2yrs: $7.00, 3yrs: $18.00, 4yrs: $24.00)
Arthritis Today (1yrs: $3.99, 2yrs: $7.98, 3yrs: $11.97)
Latina (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Town & Country (1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97)
Bowhunt America (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
Baseball Digest (1yrs: $9.99, 2yrs: $19.98, 3yrs: $29.97)
Orange Coast (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)

75%-80% Off Category

Weight Watchers (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)
Prevention (1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97, 4yrs: $27.96)
Consumer Reports (1yrs: $19.99, 2yrs: $39.98)
Popular Mechanics (1yrs: $7.99, 2yrs: $15.98, 3yrs: $23.97)
Home Business (1yrs: $6.50, 2yrs: $13.00)
Oxygen (1yrs: $14.99, 2yrs: $19.99)
Arts & Crafts Homes (1yrs: $6.99, 2yrs: $13.98)
Instructor (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Woodcraft (1yrs: $7.99, 2yrs: $15.98)
Cat Fancy (1yrs: $7.99)
Nylon Guys (1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50)
Midwest Home (1yrs: $5.99, 2yrs: $11.98)

70%-75% Off Category

ShopSmart (1yrs: $14.96)
Martha Stewart Living (1yrs: $14.99)
CBS Watch! (1yrs: $3.99, 2yrs: $7.98)
The Ring (1yrs: $24.99)
Cookbook Digest (1yrs: $9.99, 2yrs: $19.98, 3yrs: $29.97, 4yrs: $39.96)
Catholic Digest (1yrs: $14.99, 2yrs: $29.98)
The American Spectator (1yrs: $22.99, 2yrs: $45.98)

65%-70% Off Category

Urban Farm (1yrs: $8.99)
MAD (1yrs: $11.99, 2yrs: $23.98, 3yrs: $35.97)
Girls Life (1yrs: $6.99)
The Beer Connoisseur (1yrs: $9.99, 2yrs: $19.98)
iD: Ideas & Discoveries (1yrs: $9.99)
Bloomberg Markets (1yrs: $19.99
)
60%-65% Off Category

Thomas & Friends (1yrs: $14.99, 2yrs: $29.98)
Disney Princess (1yrs: $13.99, 2yrs: $27.98)
Disney Junior (1yrs: $13.99, 2yrs: $27.98)
Games World of Puzzles (1yrs: $9.99)
Consumer Reports Money Advisor (1yrs: $22.50)
Popstar! (1yrs: $17.99, 2yrs: $39.98)


www.discountmags.com/promos/labordaysavings
Magazines Deals

DiscountMags.com Coupons
Cricket Wireless (AT&T prepaid) 5 lines w/500mb $100
Added on : Thursday August 28th 2014 02:00:04 PM
g: 0 Posted By: ZombieHunter
Views: 245 Replies: 1 This is a great deal for those who don't use a lot of data.

5 lines with Unlimited talk and text and 500mb of High Speed data (Then unlimited data throttled)

https://www.cricketwireless.com/5for100

Alternatively, you can get 5 lines onthe 2.5gb plan for $150 with group save.

taxes and fees are INCLUDED.
Services Deals
New Arrivals: Gianvito Rossi - Lapis Gray Leather High-Top Sneaker
Added on : Thursday August 28th 2014 09:02:06 AM
Lapis Gray Leather High Top Sneaker crafted in supple leather is a contemporary alternative to the classic athletic trainer. Featuring back zip tab closure, lace up detail, rounded toe, leather lining and white rubber sole. Signature dust bag and box included. Made in Italy.
Nokia Lumia 635 AT&T- NO Contract $99.00
Added on : Thursday August 28th 2014 06:00:55 AM
g: 0 Posted By: bellsouth
Views: 148 Replies: 0 New Nokia 635 At&T4.5-inch display5-megapixel camera8GB storageWindows Phone 8.1
Experience the Siri alternative Cortana

Microsoft Store
http://www.microsoftstore.com/store/msusa/en_US/pdp/No-Contract-...
Cell Phones Deals
The North Face Apex Bionic Jacket - Women's $73.83 Fs @ rei
Added on : Tuesday August 26th 2014 09:00:11 PM
g: 0 Posted By: tedhawkins
Views: 178 Replies: 0 the north face Apex Bionic Jacket - Women's $73.83 Fs @ REI

http://www.rei.com/product/799348/the-north-face-apex-bionic-jac...

Apex Bionic is a stretch alternative to hard-shell outerwear and can be combined with fleece liners of various lofts to create highly thermal outerwear
Use Apex Bionic for mid-levels of aerobic activity (hiking, skiing, snowboarding) or in colder weather
Offering solid performance, Apex ClimateBlock stretch laminated fleece is windproof, ultra water resistant and breathable; fleece backer enhances moisture wicking and warmth
Durable Water Repellent? finish fends off light rain showers and snow
Windflap backs front zipper, and chin guard protects against zipper abrasion
Internal stretch cuffs and hem drawcord help hold in warmth
the north face Apex Bionic features zippered hand pockets and a Napoleon chest pocket with a hidden zipper
Standard fit allows some layers underneath
The North Face Deals

REI Coupons
Alto TS115A 15" Active 2-Way Speaker Restock $229.99 Fs @ MF
Added on : Tuesday August 26th 2014 09:00:12 AM
g: 0 Posted By: tedhawkins
Views: 147 Replies: 0 Alto TS115A 15" Active 2-Way Speaker Restock $229.99 Fs @ MF

http://www.musiciansfriend.com/stupid



DescriptionPart of Alto's TRUESONIC series, the TS115A is an 800W Class D powered loudspeaker with a 15" low-frequency transducer and 1" neodymium driver. It provides you with two mic/line combo inputs with independent volume controls and an XLR output for linking to other speakers. Their lightweight, trapezoidal cabinet makes it easy for you to use it as a traditional upright loudspeaker or as floor wedge monitor, and it's stand or pole-mountable as well as flyable. Other features include a Clip Limiter with red LED, Ground Lift switch, and a contour switch for increased EQ control.

Versatile Cabinet Design
All TRUESONIC 2-way speaker cabinets have been designed with versatility and longevity in mind. They feature a durable, lightweight polypropylene enclosure that is stand-mountable for weekend gigs and flyable for more permanent installations. What's more, they have a trapezoidal design which greatly decreases the resonance of the standing wave in the cabinet for a more true-and-exact sound reproduction. The TRUESONIC TS115A is ideal for musicians and DJs on the move and halls, malls, schools, houses of worship and more.

Total Transparency
The TRUESONIC Series was designed from the ground up to be the most transparent loudspeaker money can buy. Rigorous testing and thousands of hours of listening have gone into making sure that what you pump into a TRUESONIC speaker is exactly what you get out. Everything you see (and some things you dont) from internal signal path and components used to the sculpted cabinet and meticulously designed waveguide was developed in service of the principle of accurate, transparent sound.

Super Efficient Drivers
The drivers in the TRUESONIC TS115A are designed to make sure that virtually no energy is wasted. That translates to more of the power from the amplifier actually working to generate sound rather than heat, giving the speaker better real-world performance than other speakers with comparable published specifications. The TRUESONIC TS115A offers a 15" LF driver (2" voice coil) and a 1" HF neodymium driver.

Modern amplifier design
Every active TRUESONIC speaker benefits from the use of a Class D amplifier integrated into the cabinet. Class D amps are generally lighter than Class A and AB amplifier designs, and offer more than enough power to provide your performance with plenty of punch. The TRUESONIC TS112A delivers with 800 watts of power and offers a balanced combo jack (XLR/TRS) input with level control. Class D amplifiers are also highly efficient and run cooler than other kinds of amps so the amp doesn't have to work as hard to deliver your mix.

Hang 'em High
Optimal speaker placement can be challenging, especially if your speakers don't have what it takes to go anywhere. Whether you need to fly your speakers, polemount or use them as floor monitors, TRUESONIC speakers are ready for you. All TRUESONIC speakers feature standard 36mm pole mounting insets on the bottom. If you need to fly them, it's no problem. The TS115A comes with five rigging points. All these options make the TRUESONIC one remarkably venue-friendly speaker. You can use them anywhere you need them.

Just what you need
Whether you're performing at a coffeehouse, wedding, house of worship or other small- to medium-sized venue, the TRUESONIC TS115A is your best choice. For example, it's easy to get your TRUESONIC speakers to the gig thanks to their carrying handles and lightweight design. Once you're there you won't need to be a live sound engineer to figure out how to EQ the speakers thanks to the built-in Contour EQ switch that can help adjust for those situations where an EQ alternative is needed for recorded music playback. When you're connecting everything, the TRUESONIC's dual XLR/combo inputs make easy work of your setup and each speaker's independent level controls give you the flexibility to dial everything in your way in seconds.

Full metal grille
You can never be too safe around the stage. We know stuff happens that you just can't predict. Sometimes it's the flying drumstick, a falling mic stand or worse. Every TRUESONIC speaker comes with a complete front grille from top to bottom that protects not only your low-frequency driver, but your high-frequency driver as well. With TRUESONIC speakers, you get extra peace of mind knowing that whatever comes at your sound system, it's covered, literally.Features

800W of Class D power
15 low-frequency transducer, 1 neodymium driver
Two Mic/Line combo inputs with independent volume controls
XLR output to link speakers
Lightweight, trapezoidal cabinet with handles
Stand/polemountable or flyable
Clip Limiter with red LED
Ground Lift switch
Contour switch for increased EQ control
Accurate audience coverage, not just on-axis
Use as a traditional upright loudspeaker or as floor wedge monitor
Designed and tuned in the USA

Applications:

Mid/large-sized PA systems
Halls, auditoriums, amphitheaters
Gymnasiums, fitness centers, and dance studios
Houses of worship
Bars, restaurants, clubs
Mobile DJ systems
Special events, presentations, and weddings





Music Deals

Musician's Friend Coupons
g: 1 Posted By: jpessin3
Views: 894 Replies: 5 Staples has the TI-84 plus C silver edition on sale this week for $124.99. Use the $20 off $100 coupon (see ctslive's post1 comment down for the link to the forum and see motivator's post in that forum for the link to the coupon) and it makes the price $104.99. There is also a $35 rebate, bringing the priuce down to $69.99.

Alternatively, if you can't get the $20 off $100 coupon, then use coupon code 26215 for 10% off one item in store (see coupon below) bringing the price down to $112.49. There is also a $35 easy rebate (visa prepaid card) bringing the price down to $77.49. (And then you still get Staples rewards afterwards). This includes the pink and blue calculators. This is definitely the lowest I have seen for this calculator.

Please note thatthe $20 off $100, the 10% coupon and the $35 rebate are only IN STORE.
Office & School Supplies Deals

Staples Coupons
Gigabyte GA-Z97X-SLI motherboard $95.99 shipped from Rakuten AC
Added on : Saturday August 23rd 2014 08:00:53 AM
g: 0 Posted By: mrNorway
Views: 159 Replies: 0 Coupon new25, $25 off $75. Have to register a new account. http://www.rakuten.com/prod/gigabyte-ultra-durable-ga-z97x-sli-desktop-motherboard-intel-z97/265059830.html?sku=265059830 $120.99-$25=$95.99
Coupon works for all electronic items, but didn't find any better Z97 alternatives for the money (SLI support, Intel LAN). The board is very highly rated.

Computers Deals

Rakuten.com Shopping Coupons
g: 0 Posted By: ctgolfer
Views: 156 Replies: 0 Sold and Shipped by: 47st. Photo


More Effective and Comfortable Than Floss

Finally, there is an easier, more effective alternative to string floss: the Wellness FC-10 Professional Cordless Water Flosser. The FC-10 is ideal for those who don't like to floss, as well as for anyone with braces, implants, crowns, bridges, or periodontal pockets. Water flossing for about a minute a day conveniently and comfortably removes up to 99.9% of plaque from treated areas and gently massages the gums to improve overall oral health. The FC-10 is clinically proven to be up to twice as effective as string floss at improving gum health, and three times as effective as string floss for cleaning plaque and debris around braces.

Dual Water Pulse Control System

With the FC-10's dual water pulse control system, you can personalize your pulses. Choose either a gentle 1,600 pulses per minute or more powerful 3,000 pulses per minute to meet your needs. The FC-10 uses a unique combination of water pulsations to massage and stimulate gums while in pulse mode, removing plaque deep between teeth and below the gum line where traditional brushing and flossing can't reach.

Rechargeable Design Provides Flexibility

The cordless, rechargeable design of the Wellness FC-10 lets you walk away from the charger for maximum mobility and convenience. Never worry about batteries running out. In addition, the FC-10's improved shape takes up less space on the bathroom countertop, and an advanced, ergonomic handle with non-slip grip fits securely in your hand.

www.newegg.com/Product/Product.aspx?Item=9SIA04D1VP3218
Health Deals

Newegg Coupons
Soleus GPS 1.0 Running Watch. Black / Charcoal. New on Ebay 39.99
Added on : Monday August 18th 2014 10:00:04 AM
g: 0 Posted By: vatech1999
Views: 273 Replies: 0 Musta fell off a truck or sumpin'

No frills low budget alternative to the Garmin / Tom Tom units.

For a GPS watch, this is not that bulky, which is a good thing since you will be running with it.

Lowest Price I see on Amazon is $79.99.

http://www.ebay.com/itm/Soleus-GPS-1-0-Digital-Running-Watch-Bla...


Watches Deals

eBay Coupons
Brunton Aluminum 0.6 Liter Water Bottle $4.99 Fs @ ebay
Added on : Monday August 18th 2014 05:00:06 AM
g: 0 Posted By: tedhawkins
Views: 183 Replies: 0 Brunton Aluminum 0.6 Liter Water Bottle $4.99 Fs @ eBay

http://www.ebay.com/itm/Brunton-Aluminum-0-6-Liter-Water-Bottle/...

Brunton Aluminum Water Bottles are a health-conscious alternative to BPA laden plastic water bottles. Brunton's new Aluminum water bottles have that classic wide mouth design making it a Sure Fit
for water filters, spill guards and more. Brunton Water Bottles have an epoxy coating on the inside prevents after taste or taste transfer, and these bottles are worthy of any beverage including acidic fromit juices or alcohol, making them a great camping accessory. A leak-proof cap is handy to tie onto. Available in multiple colors for your beverage enjoyment.
Home & Garden Deals

eBay Coupons
g: 0 Posted By: st4rdust
Views: 16 Replies: 0 Shopko has theFlorence Comforter Set w/ 2 Decorative Pillows (Full/Queen) on sale for$47.99with free in-store pickup. Alternatively, shipping is free on orders of $75 or more.

The background of the comforter is a bright white with a large black damask motif running up the center, paired with a fuchsia flange around all edges. The reverse is a solid fuchsia that gives this set a pop of fun.

Set includes comforter, shams 20"L x 26"W (one sham in twin/twin x-long) and 2 decorative pillows 14"L x 14"W and 12"L x 16"W
100% polyester.
Machine wash.
sam's club instant savings (8/27-9/21)
Added on : Saturday August 16th 2014 03:00:03 AM
g: 0 Posted By: VivYip
Views: 232 Replies: 0 my coupon insert mentioned Sam's Club instant savings will start on 8/27.

the direct link for Sam's Club instant savings will be http://catalog.samsclub.com/instantsavings/national/app.php?RelId=6.1.3.6&cid=INT_HM_HERO1_ISB(currently on the previous book from 6/25, it's not live yet)

a possible alternative with the hopefully upcoming discounts is the following link: http://www.samsclub.com/sams/pagedetails/content.jsp?pageName=instant-savings-book&cid=INT_HM_HERO2_ISB

(last but not least option is, if a person has Sam's Club membership, they can also login and view the items by going to this link: http://www.samsclub.com/sams/eValues/specialSavingsHome.jsp(currently, it only shows tires for me)

Some item savings include:

(from what is shown on the coupon insert, there's no listed discounts yet on the items, yet)
all advanced with oxiclean
aveeno
charmin ultra strong toilet paper
jof peanut butter
glad forceflex bag
rubbermaid keeper(?)


(from link #2, so there is a chance that the pictures that I'm grabbing the info of might be outdated. Regardless, the info will be updated ASAP)

$4 off Monster Energy Drink ,16 oz. (24 pk.)
$2.5 off Tropicana 100% Orange Juice - 24/10 oz. bottles
$3 off Dixie Ultra Paper Plates, Heavyweight, 10 1/16" (186 ct.)
$3.25 off Glad 13 gal. ForceFlex Tall Kitchen Drawstring Trash Bags (130 ct.)
and others...

The thread will be updated ASAP and I hope this might help someone. Thank you for reading.
Home & Garden Deals

Sams Club Coupons
g: 0 Posted By: ctgolfer
Views: 158 Replies: 0 shipping adds $5

Down Alt. Comforter - Twin - 12 Colors$19.99
Down Alt. Comforter - Queen- 12 Colors$24.99
Down Alt. Comforter - King- 12 Colors$29.99

Bedding Deals

woot! Coupons
g: 0 Posted By: tedhawkins
Views: 149 Replies: 1 The Essentials of Reloading Collection + Handbook of Reloading Basics $42.99 + $4.99 Flat shipping

http://www.gearhog.com/

Deal Overview
The Essentials of Reloading Collection
Format: Collection

There are many valid reasons for choosing to reload your own ammunition. Among them is the simple fact that it saves on cost - handloading is cheaper. Another reason is that you can create custom ammo for each of your guns, which is not as accessible when using manufactured ammunition. Accuracy is also another great reason for taking the reloading route, and because you have the ability to create custom ammo for your firearms, you can tailor the loads to your needs for a particular hunt or competition.

Whether you choose to reload because it's cheaper or you're interested in creating custom ammunition, it's important to know what you're doing. Done incorrectly, handloading can be risky, but with the correct tools, equipment, and techniques, it can be a more than viable alternative to purchasing manufactured ammunition.

With The Essentials of Reloading Collection, learn how to reload ammo the right way for rifles, handguns, and shotguns. Get a helpful overview in The ABCs of Reloading, discover the steps and techniques for safely creating handloads, find out which equipment you'll need to complete the reloading process, explore Gun Digest articles on reloading, and much more. Get a more specific view with Reloading for Handgunners, in which you'll find out how to custom tailor your handgun loads and discover even more safe reloading techniques. If you also have an interest in utilizing and boosting the accuracy of your shotgun, dig in to Reloading for Shotgunners, in which you'll discover the basics of reloading and advanced techniques for shotguns, explore the latest handloading trends, and more.

Utilize the resources offered in this convenient value pack to master the art of reloading for several firearms, and prepare to save money and boost accuracy from your guns with custom ammunition in the process. Plus, while you're applying your newly learned reloading skills, you'll probably be more inclined to go shooting more often - and that's never a bad thing!

****

he Handbook of Reloading Basics by Robin Sharpless and Rick Sapp takes the mystery out of handloading your own ammunition, making it an accessible practice for anyone interested in the hobby. Utilize this reloading guide to ensure you're buying the right equipment and safely handling the components. Not only will this guide get you started in the practice of reloading ammo, but it will also be a useful reference to turn to again and again. Find out which basic tools and equipment you need to get started and get advice on press and accessory buys, component necessities, and benefit from step-by-step instructions for your first time at the press.

Broken up into separate sections for both metallic cartridge reloading and shotshell reloading, you'll get a thorough look at the practices for handloading each type of ammunition. Discover the basic fundamentals of reloading metallic cartridges, and then delve into more specific information about reloading bottleneck and straight-wall cases. Explore the shotshell reloading process for buckshot and slugs, and find out how to account for extreme temperatures when reloading shotshells. You'll also benefit from an included reference section full of reloading and component suppliers, extra tools that help streamline the reloading process, and specialty equipment for improving shooting and accuracy. Once you discover the reloading basics presented in this helpful guide, you'll not only find yourself better supplied with enough ammo to keep you on the range and practicing, but you may also find a way to improve your accuracy.


Books Deals
Best rates for balloon-type auto loan like PenFed Payment Saver?
Added on : Friday August 08th 2014 04:00:10 AM
g: 0 Posted By: AccelJunky
Views: 106 Replies: 1 Good morning,

My wife and I are trying to work the numbers on a his and hers car purchase (we are both in need of new ones) and I've used the PenFed payment saver balloon-type loan several times in the past with success...but I'm trying to do a little research on any alternatives that use the same model but with a better rate.

Right now they are doing 2.49% for up to 60mo on the payment saver. I've found a few obscure credit unions offering a similar balloon auto loan but with higher rates and with mileage limits.

I'm curious...has anyone seen anything recently like the PenFed deal but with a more competitive rate? I'm still busy digging through the corners of the internet but thought I would ask here to see if anyone has seen anything recently.

Thanks!
Personal Finance Deals
g: 0 Posted By: dealHunter_es
Views: 188 Replies: 0 Digital Version

Click for WildStar Digital Deluxe Edition $59.99
Click for WildStar Digital Standard $47.99

Use Coupon

AUG20OFF

Last I checked, Green Man Gaming is currently out of stock. So this is your alternative to get Wildstar for 20% off.
Original Article:
http://www.gamebreaker.tv/games/wildstar-mmorpg/wildstar-digital...


Video Games Deals

GameFly Coupons
Rocksmith 2014 Edition for PC $13.49 A/C @ GameStop
Added on : Monday August 04th 2014 11:00:02 PM
g: 0 Posted By: ctgolfer
Views: 88 Replies: 0 use promo code: SUMMERPC

A proven method to learn guitar fast.
National research studies have found that Rocksmith is the fastest way to learn guitar. Over 95% of players have improved their guitar skills. Whether you're a beginner touching a guitar for the first time, or a seasoned player mastering your sound, Rocksmith gets you results, fast.
A reimagined experience.
Newly redesigned menus and in-game interfaces are now clear, smooth, and blazing fast. It's never been easier to play along and get feedback on your performance as you go.
Learn your favorite songs.
Select from over 50 hit tracks, ranging from alternative rock, to heavy metal, to classic rock, and more. You will learn to play your favorite songs, step-by-step and note-for-note, with tutorials along the way. Rocksmith 2014 Edition is also backward compatible with the songs you have from the original Rocksmith.
Designed for ease and speed.
Features are now more accessible and flexible than ever. A new fully-customizable Riff Repeater lets you select your section, difficulty, and speed on-the-fly. Master Mode has been revamped to make learning by memory more approachable. Or jump into over 10 new and improved Guitarcade mini-games to hone your skills.
An authentic guitar playing experience.
Rocksmith 2014 Edition includes new tunings, techniques, effects, amps, pedals and tones for an unprecedented degree of accuracy and a deeper level of guitar learning than ever before.
Learn to jam with Session Mode.
Session Mode lets you experience playing alongside a virtual band. Choose your own combination of instruments to follow your lead. With on-screen prompts and objectives that motivate learning and improvement, you can enjoy the feeling of jamming whether you're a beginner or advanced player.
Get plugged in.
Rocksmith 2014 Edition is compatible with the original Rocksmith Real Tone Cable that plugs any real guitar** directly into your PC.
**Requires 1/4" output jack.

www.gamestop.com/pc/games/rocksmith-2014-edition-no-cable-includ...
Software Deals

GameStop Coupons
g: 0 Posted By: alamo11
Views: 0 Replies: 0 I know it's Fox but..

This is how unethical servicers make money!


One of the country's largest overseers of troubled home loans, Nationstar Mortgage Holdings Inc., is quietly trying to sell a $100 million insurance agency that doesn't appear to exist.Harwood Service Co. has no website, no independent offices and only a single registered agent. The switchboard operators at Nationstar's headquarters in Lewisville, Texas, haven't heard of Harwood. Call-center employees of Assurant Inc., the insurance carrier whose policies Harwood sells, say the company is just a name used to refer Nationstar business.Only one thing justifies Harwood's nine-figure price tag: The ethereal company has long collected commissions on high-priced insurance that Nationstar compels otherwise-uninsured homeowners to buy. If homeowners can't pay for this "force-placed" coverage, Nationstar forecloses on their homes and sends the bill to mortgage bond investors.New rules by the Federal Housing Finance Agency, investigations by state regulators and class-action settlements now prohibit servicers from collecting commissions on such insurance policies, and the country's biggest brand-name banks have renounced the practice.But some large subprime-mortgage servicers appear to be trying to skirt those rules. They are selling or have sold the nearly nonexistent insurance agencies or have already made profitable business arrangements to try to comply with the new rules.The multimillion-dollar deals illustrate how regulators are still wrestling with messy banking practices more than six years after the housing market's collapse. They also mean that newly sold insurance subsidiaries have an incentive to compel struggling homeowners to buy costly policies, to justify the high sales prices commanded when the insurance agencies were sold.Harwood collected more than $40 million last year on more than $200 million worth of insurance billed to homeowners, according to two people familiar with Nationstar's confidential sales pitch for the business but who spoke on condition of anonymity because they were not authorized to discuss it.Force-placed insurance is a type of backup property insurance meant to protect mortgage investors' stake in uninsured properties. Standard mortgages require borrowers to maintain homeowners insurance and authorize the loan's servicer to buy coverage when borrowers don't. If the borrowers don't pay for the new insurance, servicers foreclose on their properties and stick the bill to mortgage investors.Nationstar's first attempt to sell its affiliated insurance agency fell through early this month after The Associated Press raised questions about the deal, prompting New York's Department of Financial Services to take a look. Nationstar is still seeking to sell the insurance agency, said one person who is familiar with its efforts and requested anonymity to discuss its business affairs without authorization to do so publicly.Nationstar declined to discuss details of Harwood's business.In court, however, Nationstar has opted not to fight to defend its arrangements. Earlier this month, Nationstar and Assurant Inc. reached a deal to settle a class-action lawsuit in the U.S. District Court for the Southern District of Florida that alleged Harwood existed solely to "funnel profits" to Nationstar at borrowers' expense.It's unclear how or whether the Federal Housing Finance Agency, the industry's principal U.S. regulatory agency in Washington, will respond to such sales. In a statement, it expressed concern about the deals. But it said it could not stop servicers from selling their insurance agencies, even as it said it would work with Fannie Mae and Freddie Mac if the companies were circumventing the new rules.The nation's third-largest servicing company, Walter Investment Management Corp., disclosed in its Securities and Exchange Commission filings that rules banning commissions will cost it roughly $20 million a year and said it was "actively looking at alternatives" to giving up the cash. A spokeswoman, Whitney Finch, declined to explain further but said the company would comply with all rules and regulations.Another company, Carrington Mortgage Services LLC of Santa Ana, California, didn't sell its insurance agency. It just agreed to let someone else collect the profits.In an Irish bond prospectus filed last year, Carrington's parent company disclosed that a buyer had paid it $21.25 million in late 2012. If Carrington doesn't send back at least that amount to the agency's buyer in commissions, it will have to give back some of the money it received.Carrington executives denied that its obligation to deliver $21.25 million of commissions would in any way affect homeowners or mortgage investors, and noted that it is not subject to the finance agency rules because it services loans owned by private investors. In its Irish prospectus, however, Carrington warned that some regulators believe the commissions "may constitute an improper 'kickback'," and added: "Should any regulator decide to take action, we may be forced to pay restitution."

http://www.foxbusiness.com/markets/2014/08/01/some-subprime-mort...
Services to send money using your credit card besides Paypal
Added on : Thursday July 31st 2014 02:00:06 PM
g: 0 Posted By: Brody44
Views: 149 Replies: 2 Hi guys,

I spent hours doing research, making calls testing platforms and I'm surprised to see I've come empty handed.
Like a lot of people I've had issues with Paypal and I'm looking for a similar solution that would basically allow me to send money/payment using any credit card.

There are a bunch of services that allow transfer from bank account or prepaid cards but rarely do they offer the option to transfer via a CC. (Square, Skrill, etc.) or they are limited to one brand (e.g. Payza)
There is Moneygram and Western union and the like and they charge higher fees ( + it's not 100% electronic transaction)
I found many many different webpages and threads about a "paypal alternative" but often they are merchant suggestions.
Amazon Payments has a restriction of $500 or $1000/month if you're verified and I would need to transfer a lot more than that. There's Google Wallet but for some reason in my testing it's been unreliable in how much time it actually takes to transfer the funds to recipient.

It's such a simple basic service, I can't believe paypal and google wallet would be my only options?
Thanks!
Credit Deals
g: 0 Posted By: rfv45RFV
Views: 94 Replies: 0 Apply code:AYUWCGIA at checkout, you can save $3 and get this set of 4 endurance stainless steel drinking straws with a straw brush at $5.99 only. (Original $8.99, offer by MIU COLOR)

Link:http://www.amazon.com/gp/product/B00EUVHGAM/

A great alternative to plastic straw.
Home & Garden Deals

Amazon Coupons
How much was your mobile phone bill last month?
Added on : Monday July 28th 2014 04:00:08 PM
g: 1 Posted By: wtfu
Views: 262 Replies: 5 How much did you pay for your mobile carrier?


I paid $20 with Ting's pay as you go service.

Use less than 500 mins
0 text (using Google voice as alternative)
less than 100mb 4G Wimax (using Freedompop as alternative)
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 154 Replies: 0 Features:
Advanced Focus System - fully adjustable focus from a spot to flood beam. Bezel can be rotated into desired focus level.
The flashlight switch has three modes of light output: Press Once: High Intensity Spot/Flood focus, Press Twice: Low Intensity Spot/Flood focus, Press Third Time: High Intensity Strobe Feature
3.7V lithium ion battery for up to 500x's with a sustained illumination reaching up to 3 hours.
Warning: Do not stare directly into light due to intense light beam

What's Included:
3.7V Lithium Ion Battery
Wall Charger
Car Charger
Alternative (3AAA) Battery Option (Batteries not included)

www.ebay.com/itm/SWAT-BW8202-XM-L-T6-3W-CREE-120-Lumens-LED-Flas...
Electronics Deals

eBay Coupons
g: 0 Posted By: kamerkar
Views: 106 Replies: 0 http://www.ebay.com/itm/WAT-BW8202-XM-L-T6-3W-CREE-120-Lumens-LED-Flashlight-5000mA-Battery-charger/290947560060?pt=US_Flashlights&hash=item43bdd3727c

~~Features:
Advanced Focus System - fully adjustable focus from a spot to flood beam. Bezel can be rotated into desired focus level.
The flashlight switch has three modes of light output: Press Once: High Intensity Spot/Flood focus, Press Twice: Low Intensity Spot/Flood focus, Press Third Time: High Intensity Strobe Feature
3.7V lithium ion battery for up to 500x's with a sustained illumination reaching up to 3 hours.
Warning: Do not stare directly into light due to intense light beam

What's Included:
3.7V Lithium Ion Battery
Wall Charger
Car Charger
Alternative (3AAA) Battery Option (Batteries not included)
Sports & Outdoors Deals

eBay Coupons
g: 0 Posted By: jisab
Views: 101 Replies: 0 http://www.petsmart.com/cat/repellents/nature-s-miracle-trade-ju...


DETAILS


This deterrent spray discourages your cat from destructively scratching things in your home. The spray is a great training tool and is safe for use around children.This Nature's Miracle No-Scratch Deterrent Spray is an easy way to make your cat stop scratching your furniture, carpets and curtains. Spraying it in areas where your feline friend frequently scratches discourages your cat from repeating the unwanted behavior. The long-lasting formula will keep working even after you spray.

For use with cats
Eliminates the scent cats leave behind when they scratch
Safe for use around pets and children
Spray on area or object where cat frequently scratches; repeat as needed; keep cat's nails trimmed and provide a scratching post (not included) for an alternative scratching location

Caution:
Do not spray directly on animal

Available in an 8-fl. oz. bottle
Pets Deals

PetSmart Coupons
g: 0 Posted By: masterox7737
Views: 75 Replies: 0 If you listen to Pepsi Pulse stations on iTunes Radio (about 12 songs, no skipping) an ad will pop up and offer you a free song credit on iTunes. You can only get one credit per day, but there is no limit on which song you can pick.
Part of Pepsi's "Real Big Summer" promotion.

I used the Pepsi Pulse Alternative station, but the Pop station probably works too.

Instructions:
Go to your music app.
On the radio tab, select the "Pepsi Pulse Alternative" station.
Play about 12 songs, no skips. You can take breaks as long as you reach the 12 song limit that day.
An ad will pop up instructing you to tap on it.
Once you tap, enter your iTunes password.
You will be credited. From there you can click the "Choose Your Song" button to go to the iTunes Store.
g: 0 Posted By: thedarsts
Views: 183 Replies: 0 If you're in the market for a double-DIN navigation unit with full smartphone integration; this is a pretty sweet deal.
Clarion NX404 for $445 then $100 rebate. Great features and great reviews. (See more details and more reviews atCrutchfield
Amazon NX404 Product Link

Alternatively, there is the NX604 for $665 then $100 rebate but I just bought the last one so you'll have to wait for re-stock. The NX604 adds SiriusXM capability AND a really cool feature called Intelligent Voice, making voice control more user friendly.
Amazon NX604 Product Link

On both of these, be sure to purchase from Amazon, not an Amazon seller.
You'll see it say "Ships from and sold by Amazon.com."
Clarion shows that Amazon is authorized retailer here:Authorized Dealers
Rebate form found here:Rebate

Now for some info on the NX404: (ripped from Crutchfield)Your in-dash multimedia and smartphone command centerWhether you rock an iPhone or Android smartphone, you want a receiver that gives you the most control. Clarion's NX404 navigation receiver not only delivers accurate guidance and a wealth of entertainment options, but it gives you safe ways to integrate your phone so you and your passengers can stay connected on the go.It all starts with the gorgeous 6.2" touch displayThe NX404's 6.2" screen gives you a great view of the receiver's built-in maps of all 50 states, plus Puerto Rico and Canada. You'll have access to over 11 million points of interest, along with 3D mapping that allows realistic views of terrain, buildings, and landmarks in select metropolitan areas. The display also supports "flick" operation, just like your smartphone. Animated menu icons that can be dragged and dropped give your dash a little personality, while allowing you to prioritize functions and A/V sources.Bluetooth for hands-free calls and streaming musicBuilt-in Bluetooth lets you talk hands-free on your compatible phone so you can keep your hands on the wheel. When a call comes in, you can tap the screen to answer the call and hear your caller over the speakers. And you can even stream tunes if your phone or other device supports it. The NX404 features a built-in microphone, or you can add an optional external mic for added clarity during calls in problem vehicles.Android smartphone integrationConnect a compatible Android smartphone to the NX404 with an HDMI cable to enjoy the receiver's Android compatibility, which allows you to see the display of your smartphone right on the receiver's screen. You can do a lot of cool stuff when you're parked, like check out photos and high-definition video, surf the web, and view smartphone apps on the 6.2" display.Clarion caters to the iPhone, tooApple users can enjoy direct iPod and iPhone audio control with a simple USB connection or via Bluetooth. iPhone 5/5c/5s users will need to add a couple of more adapters, including an HDMI cable and anApple Lightning Digital AV Adapterto get full access to audio and video content from their device.Pandora Internet radio as you roamTake your Pandora stations with you run the free Pandora app on your phone and control it from the NX404's touchscreen. You can skip tracks, change stations, and thumbs up/thumbs down songs just like you do online. For the iPhone, you'll need a USB or Bluetooth connection; Android phones control Pandora via Bluetooth.A sound choiceInto full-resolution audio files? The NX404 will play lossless FLAC audio files from your flash drive, so you can enjoy up to 24-bit/192 kHz clarity behind the wheel. Clarion's powerful built-in amp does a great job driving your speaker system. You can choose from four preset tone settings, or make your own using the 3-band parametric equalizer. The subwoofer volume control lets you dial in just the right amount of bass if you've got a sub hooked up, and you've got high- and low-pass filters for further sound customization. Clarion includes a handy remote for additional tweaking.Get connectedThe NX404 boasts myriad connection points beyond the HDMI input. You'll find a pair of USB inputs on the receiver's back panel, useful for plugging in a dedicated MP3 player plus a flash drive, and you can use the front 3.5mm A/V input and rear RCA A/V inputs for hooking up external sources. A dedicated rear-view camera input allows you to add a layer of safety to your travels. Three sets of 2-volt preamp outputs let you add amplifiers and subwoofers to the mix.Fun for the cinematically inclinedEnjoy watching DVDs up front while you're parked, or hook up a video screen in the back so the kids can watch movies as you drive thanks to Clarion's "2-Zone" operation, your backseat gang can watch a video while you and your co-pilot enjoy music up front.Want to keep your car's steering wheel audio controls?In most vehicles, you can use an adapter to connect your vehicle's steering wheel controls to this Clarion stereo. Connect a few wires, then program the adapter for your particular car and the Clarion, and you'll retain the convenience of your steering wheel controls. Check the "Accessories" tab for compatible adapters.iPod/smartphone note:If you're going to use your iPod or smartphone with this receiver, be sure to check "Details" for compatibility information.Bluetooth note:Use of this receiver's Bluetooth features will depend upon your phone's Bluetooth capabilities. Learn more in ourarticle explaining Bluetooth profiles.Highlights:


General features:

DVD/CD receiver with 6.2" touchscreen and AM/FM tuner
fits double-DIN (4" tall) dash openings
internal amp (18 watts RMS CEA-2006/50 watts peak x 4 channels)
built-in Parrot Bluetooth for hands-free calling and audio streaming
built-in iPod, iPhone, and iPad control (see Details tab for model compatibility)

HDMI cable and AppleLightning Digital AV Adapterrequired for viewing video content from Lightning devices
ClarionCCA750cable required for viewing video content from older Apple devices

HDMI compatibility for select Android devices when parked requires optional HDMI adapter
Pandora control through iPhone and Android
plays lossless FLAC audio files from your flash drive
remote control

Navigation features:

maps of United States, Canada, and Puerto Rico, plus 11 million points of interest
text-to-speech announces actual street names at turns
lane guidance and junction view
3D representations of select buildings, landmarks, and terrain

Audio/video features:

plays CDs, DVDs, and USB drives (see Details for full capabilities)
3-band parametric EQ with 4 presets
low- and high-pass filters
bass boost
dual-zone A/V output

Expandability:

inputs: dual rear USB inputs; front 3.5mm input; rear RCA A/V input; rear-view camera input
outputs: 6-channel preamp outputs (2-volt front, rear, subwoofer); video output



Electronics Deals

Amazon Coupons
LG Optimus L90 for $99.60(+$10 starter kit) at T-Mobile
Added on : Thursday July 17th 2014 07:00:03 PM
g: 0 Posted By: View
Views: 103 Replies: 0 T-Mobile is currently having a sale of the LG Optimus L90 for 99.60(+$10 SIM Card kit)directly from the web site.
You may need to add $6.99 shipping+taxes.

Link
Features:
4.7 inch display (960x540)
5 MP camera
Android 4.4 KitKat
Quad-core 1.2 GHz Processor
1GB RAM, 8GB ROM
Front-facing Camera
Wifi-calling
NO LTE
Micro SD card slot
Replaceable battery
Self-healing rear cover

IMO even for $110 it is a pretty good deal for a relatively new phone.
(It is also available at the same price without the starter kit for post-paid customers.)
Alternatively, Newegg still has the Optimus F6 for $99 if you prefer LTE and can live with an older version of Android.

Cell Phones Deals

T-Mobile Coupons
Moto G non-LTE $50 after MIR at Cricket Wireless (AT&T owned)
Added on : Tuesday July 15th 2014 08:00:09 AM
g: 0 Posted By: Borodeva
Views: 202 Replies: 1 Linky

With an amazing 4.5" edge-to-edge HD display and fast quad-core processing power, the Moto G is the BFF you always wish you had. Perfect for productivity, browsing the web, snapping pics and streaming video, this smartphone packs a punch! And it resists scratches and splashes with Corning Gorilla Glass and a water repellent coating.
Discover all the Motorola Moto G has to offer:
Stunning 4.5" HD display
1.2 GHz quad-core processor for fast multitasking
Scratch resistant and water repellent coating
5 MP camera for pictures and HD video, 1.3 MP front camera for video chat
All-day battery life (depends on network configuration, signal strength, operating temperature, features selected, and voice, data and other applications usage)
Android 4.4.2 (KitKat)

Has full AT&T coverage (not sure about roaming).

$5 monthly discount on your plan if you sign up for autopay.

$35 (net) gets you 500GB of 4G data (then throttled) and unlimited calls/texts.

$45 (net) gets you 2.5GB of 4G data (then throttled) and unlimited calls/texts.

Seems like a good alternative to Straight Talk.
Cell Phones Deals
g: 0 Posted By: st4rdust
Views: 135 Replies: 0 Best Buy has a bundle featuring The Elder Scrolls V: Skyrim & Bioshock Infinite on sale for$29.99with free in-store pickup. Alternatively, shipping is free on orders of $35 or more.

Available forthe Xbox 360or the PlayStation 3.

Thanks to FW memberzklopman for the tip!

These are two of my favourite video games in existence. If you haven't played either of them, this deal saves you ~$20 rather than buying them both separately. It would also make a great gift for a new gamer.

Skyrim Review: 9.5/10 at IGN

Bioshock Infinite Review: 9.4/10 at IGN

Also available here (PS3) and here (X360) from Amazon.
Video Games Deals

Best Buy Coupons
g: 0 Posted By: st4rdust
Views: 84 Replies: 0 Dell has a42" [l=Vizio 1080p Wi-Fi LED-Backlit LCD HDTVA7703641]http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&s=dhs&cs=19&sku=[/l](M422I-B1) bundled with a $200 eGift Card on sale for$499.99with free shipping.

The free promotional gift card will be added to your cart automatically and emailed 10-20 days after your purchase.

Note: You may have to copy and paste this link:

http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&s=dhs&cs=19&sku=A7703641

Alternatively, you can search for "A7703641". Sorry for the inconvenience.


42" LED-backlit LCD Display (1920 x 1080)
240Hz Refresh Rate
4 x HDMI Ports
Wi-Fi & LAN Connectivity
Includes various internet streaming service capabilities, such as Netflix and Pandora
1 x USB Port
1 Year Limited Warranty


According to Google Products, the next lowest price for this online is $499.00 without the $200 gift card.

Review: LCD TV Buying Guide
LCD TV Deals

Dell Consumer Coupons
Solutions for Vehicle with Negative Equity
Added on : Thursday July 10th 2014 09:00:08 AM
g: 0 Posted By: ChallengedCarBuyer
Views: 209 Replies: 18 We own 2 cars, a 2006 Nissan Altima (145K miles) and a 2008 Ford Edge (97K miles). The Nissan is paid off and worth about $6K and the Fordis worth about $12K with $23K still owed (due to the deal that we made back when purchased in 2011, with a significant amount of negative equity rolled into it). With the current payment of approximately $700 it feels as if we are somewhat stuck for a while. Our credit scores are rebounding nicely from prior issues and we are consistently in the 680-690 over the last 2 months.

With 2 aging cars and a high payment we are wanting to make a change. Options that we are considering are
1) Trade 2 cars towards the purchase of 1,to lessen the negative equity and end up with a lower payment with only 1 car (we both work in different areas, so this may be challenging)
2) Same scenario as above, but supplementing the 1 car with an enterprise rental 3 or 4 days a week. This way we'd only have to pay for insurance on 1 vehicle, offsetting the costof a rental, having less to report on a credit report, but also having no second asset.
3) Trading the 2cars towards one, and then purchasing/leasing a 2nd one, with the total payments for both being near the $700 of the current vehicle
4)status quo

We have up to $5K that we could put towards the deals, if needed. How do any of those options sound? Any better proposals/alternatives? Same options, wait a few months to let our credit hit 700? Thanks for the input.

Personal Finance Deals
New Arrivals: Marni - Fussbett Antracite Felt Sling-back Flat Sandal
Added on : Thursday July 03rd 2014 09:00:05 AM
Fussbett Antracite Felt Sling-back Flat Sandal from Marni is crafted in beautiful dark gray felt for a chic alternative to suede. Featuring lateral, metal buckle, double banded detail set onto anatomic insole and rope-and-rubber sole. Made in Italy.
Less picky mobile check capture..paypal alternative
Added on : Wednesday July 02nd 2014 02:00:08 PM
g: 0 Posted By: mariemill
Views: 131 Replies: 3 Hello,

I am a very small ebayer and receive a few checks each month, usually from my older clients that are still "old school". (sometimes more than 5, sometimes less). I use paypal for everything (and use their debit card), it is basically my bank. I was very upset when the cancelled remote check capture as I used it every month. I know that many other debit card online banks offer the service but I have not found them to be as easy to use as paypal, most notably in what they will accept for deposit. I receive checks from a lot of people that either mispell my name, (I have one customer that often put eBay before my name etc, or put my eBay username infront of my name, looking like a business name etc.) and I found that as long as my name was on the check, no matter misspelled etc. that Paypal would accept it for deposit, hold it for 6 days and then credit my account. I have tried other online banks (for example SIMPLE bank) and they are SUPER picky with what they take (rejecting a check for a name misspelled etc), or not bright enough picture, etc. I have just found the paypal mobile deposit to be the easiest to use.

Does anyone know of any other entity like paypal that uses the same check processor etc. A debit card perhaps that takes mobile deposits that they aren't super strict with. I was really just hoping that paypal would change it's mind and bring back mobile check capture but who knows when that will change. I have been with paypal since the beginning and I really don't want to change. I will still use them for electronic payments and receivables but that leaves me with checks. Also, I have some mobility issues so I do everything from my house and I hate local bank fees.

any ideas from past experience of what others have used?

Thanks,
Discussion Deals
Financial Considerations of Working in The Adult Industry
Added on : Friday June 27th 2014 02:00:08 PM
g: 0 Posted By: mwa423
Views: 217 Replies: 9 While perusing the want ads today, I came across an ad for a finance position at a local sex toy manufacturing and distribution company. This is a pretty typical Senior Financial Analyst gig, which I'm perfectly qualified for. While I have no problem with what the business does, I realized that there is a strong potential for negative repercussions if I were to leave that company for any reason and try to move to a different one.

My concern stems from the fact that (as most (all?) of you are aware), my most recent job was I worked for a large circus. I've had a surprising number of employers who have told me that they were incredulous that my work there was relevant to the position to which I was applying. Some employers I have interviewed with actually told me they looked at it negatively that I would leave a "good job" and go run away with the circus. If employers see an issue with the circus on my resume, I can only imagine how poorly a potential candidate with experience from the company that sells the "Joy-Ride Vibrating Male Masturbation Sleeve" would be received in HR departments across the land.

An extension of this would be how concerned should an employee be of the reputation of their employer? For example, did a IT guy at Enron have trouble finding a new gig? Did the secretary at Madoff Investments get screwed by having Madoff on her resume? As an alternative, would it be reasonable to demand a premium in salary for working in a politically incorrect business?

tl;dr: How concerned should an employee be about the companies they have on their resume, assuming that their job titles and experience are in generally accepted fields?
Question Deals
g: 0 Posted By: mwa423
Views: 53 Replies: 1 While perusing the want ads today, I came across an ad for a finance position at a local sex toy manufacturing and distribution company. This is a pretty typical Senior Financial Analyst gig, which I'm perfectly qualified for. While I have no problem with what the business does, I realized that there is a strong potential for negative repercussions if I were to leave that company for any reason and try to move to a different one.

My concern stems from the fact that (as most (all?) of you are aware), my most recent job was I worked for a large circus. I've had a surprising number of employers who have told me that they were incredulous that my work there was relevant to the position to which I was applying. Some employers I have interviewed with actually told me they looked at it negatively that I would leave a "good job" and go run away with the circus. If employers see an issue with the circus on my resume, I can only imagine how poorly a potential candidate with experience from the company that sells the "Joy-Ride Vibrating Male Masturbation Sleeve" would be received in HR departments across the land.

An extension of this would be how concerned should an employee be of the reputation of their employer? For example, did a IT guy at Enron have trouble finding a new gig? Did the secretary at Madoff Investments get screwed by having Madoff on her resume? As an alternative, would it be reasonable to demand a premium in salary for working in a politically incorrect business?

tl;dr: How concerned should an employee be about the companies they have on their resume, assuming that their job titles and experience are in generally accepted fields?
Question Deals
g: 0 Posted By: st4rdust
Views: 150 Replies: 0 Vera Bradley is currently offering $25 off purchases of $100 or more. Applies to full-price merchandise only. Shipping is free on orders of $75 or more. No coupon necessary. LINK

Alternatively, the Vera Bradley Online Outlet is open today. Prices are reduced by up to 70%. Shipping is free on orders of $99 or more, otherwise it adds $7.99.
Vera Bradley Deals

Vera Bradley Coupons
g: 0 Posted By: terroralpha
Views: 68 Replies: 1 link to product http://www.newegg.com/Product/Product.aspx?Item=N82E16817438011

$30 rebate here: http://images10.newegg.com/uploadfilesfornewegg/rebate/SH/EVGA17...

you can combine this offer with theiOS/google wallet Newegg $15 off promo. if you already used that promo just make a new Newegg account with a different e-mail and it will work again. no need to create a new google wallet account.

alternatively, you can use the $15 off $150 AmEx if you have it.

if you don't have an iOS device borrow someone else's. if you have no friends just walk into a mobile phone store, Apple Store or best buy or some place, install the Newegg app on there, buy the item then erase the app. but whatever you do don't start "apple is for dummies" suckfest. go cry elsewhere.
Citi fraud dept sucks/ Best CC for spending $20K on IVF soon.
Added on : Saturday June 21st 2014 10:00:14 AM
g: 0 Posted By: vickh
Views: 7 Replies: 0 Abandoning my Citi AA card b/c their fraud dept. can't deal with me moving and not having a land line anymore

So what's my best CC signup bonus/ alternative, that I'm spending $20K soon on IVF soon...
g: 0 Posted By: MISTERCHEAP
Views: 102 Replies: 0 Silk AlmondMilk Protein + Fiber, $3.29

-(1) $1 off 1/2-gal. Silk dairy alternative item Target Printable Coupon (exp 7/19/14)

-(1) $1.50 off any One (1) Silk Blends Half Gallon Printable or
$1.50/1 Silk Almond Coconut Blend or Protein+Fiber Half Gallon, exp. 7/30/14 (RP 06/15/14)
as low as $0.79 after stacked offers
Beverage Deals
g: 4 Posted By: Mr0ffic3r
Views: 275 Replies: 5 Expecting lots of red, and its OK. My name is Mr0ffic3r and I was a deadbeat, I admit it. College and the whole being invisible in your 20s got the best of me. For the record, I am no longer a dead-beat. You guys (FWF) have put me on the right side of the road. As you will read below, I tried to make this right. But sometimes 'right' is not the correct thing to do for my family.

2000-2004 I took out 70kish in college loans. $55k of it Private Alternative Loans. By Private I mean from a major Bank and the note was not guaranteed by a non-profit group. Essentially, just a regular loan, but an educational loan on credit reports. Also, my mother was a co-signer.... don't ever co-sign, anything!

I defaulted in 2005 only on the Private Loans. My first job $15/hr - Between rent, food, drinking, car, there was nothing left for School Loans. My Federal Loans (Perkins/Stafford/etc) I paid off quickly since I knew Federal Loans are no joke. For the Privates, they (The Original Creditor) called a few times, I never picked up to talk. They sent a few demand letters, I never took any action and apparently neither did they.. Calls/Letters stopped in mid-2006.

My credit was trashed (my moms too) - low 500s. She made as much as I did at the time, single mom supporting my younger brother, so no way she was able to pay the loans.

Fast-forward to 2009. Calls/letters start coming in again. This time not from the Original Creditor (OC) but from a Collection Agency (CA) This time a little older and wiser (Thanks FWF) -I take action. First thing I did, sent a Certified/Return Receipt Letter telling them to stop calling and validate the debt. They listened, not one more call, and not another letter. They never validated. Why couldnt they send a copy of the promissory I signed that I had in my hand?

Fast Forward to 2012. Im making more money, I actually put some away if they were to come after me. Credit Reports say Loan is over $70k now, charged off, and still owned by the Original Creditor. To make things right, I call the OC and speak with their collections department. Right away are willing to settle the debt for $35k-ish. Settle?A Student Loan? Why YES please! I ask for the 'settlement agreement' in writing so I know they won't come after the rest (or sell it), and that the lates/charge-offs/etc are removed my credit report if possible. Mind you, this is from a top 5 Bank.

All they had to do was send me that letter, instead, I was informed that We are not secretaries and dont send letters. I was flabbergasted. The agent said my credit report would be marked as 'PAID' for this loan. I mention to him that in a few months, this loan will fall off my credit report, and if they are unwilling to remove the negative the marks, just leave the report as is. DONT TOUCH IT as I dont want it re-aged. NOPE, they cant do that either. They have to report it as 'paid.' I explained to the agent, 'why would I pay if this will haunt me for another 7.5 years.' If I dont pay, it will fall off CR in a few months. There was silence, he put me on hold to talk to his management, came back and said, You are right, nothing we can do. I told them I will consider their offer and we ended the call.

Havent heard a peep since (been almost 2 years).

All the loans came off my (and my moms) credit report. Credit Scores went up 200+ points to the high 700s . I am in a state with a 5 year Promissory Note - Statute of Limitation (SOL). My main concern was that the promissory note states that Ohio laws will govern the loan, and Ohio had a 15 year SOL on a promissory note. However, that state recently passed (and implemented) legislation to decrease that to 8 years, and it applies retroactively.

I consulted with 2 NACA attorneys, and both said my states SOL would apply anyways if they were to pursue. My state is where the loan was disbursed, where I have always lived, and where the promissory note was signed. But under both states now, I am out of SOL. All I read online is doom/gloom regarding Student Loan Default, and on how it will haunt you forever, garnish your wages/SS, tax refunds, etc. This is still on the back of my mind, but I'm starting to think it's not very likely they can legally collect on this loan now. What does the FWF collective think of this?


Now, why did the OC not pursue this hefty defaulted loan, especially since there were 2 people to sue/collect from? Remember, this was an 'alternative plus' loan not backed by any government entity. It does not show up on any government student loan database. I highly doubt this was a $70k 'oversight'. I pretty much walked to up to their door, with a check for $35k. All I wanted was a receipt, they couldn't give me one. What gives?


To the Obligatory 'Pay Your Bills Deadbeat' posts I see in my future... is 'I Tried/Wanted To' an acceptable response?
Personal Finance Deals
Yamaha MSR800W 15" Powered Subwoofer $549.99 FS @ MF
Added on : Tuesday June 17th 2014 05:00:02 AM
g: 0 Posted By: tedhawkins
Views: 22 Replies: 0 Yamaha MSR800W 15" Powered Subwoofer $549.99 FS @ MF

http://www.musiciansfriend.com/stupid

Product Description

The Yamaha MSR800W powered subwoofer is the perfect companion for the MSR400 (sold separately), extending the low end and completing the musical spectrum for maximum punch and impact. The high-quality birch plywood bass-reflex cabinet houses a 15" cone woofer powered by an ultra efficient burst 800W amplifier, a configuration that can deliver the elusive 40Hz-120Hz frequency range with precision and authority. Two balanced XLR connectors are provided for connection to the source, and that same signal can be directly passed on to the main speakers via the XLR thru outputs. Alternatively, the main speakers can be fed by the MSR800W's dual high pass outputs--high pass filtered at 80Hz-100Hz, depending on the setting of the cutoff frequency control--with a steep 18dB/octave cutoff slope. The Yamaha subwoofer also features LED power and clip indicators.
Features

15" cone woofer
High-quality birch plywood bass-reflex cabinets
Burst 800W amplifier
XLR inputs
XLR Thru outputs
XLR High Pass outputs
Master Level and Cut-off frequency controls
Phase switch


Headphones & Speakers Deals

Musician's Friend Coupons
Ladies' Dawgs Z Sandals - 10 Colors $18.99 shipped @ Woot
Added on : Sunday June 15th 2014 11:00:02 PM
g: 0 Posted By: ctgolfer
Views: 29 Replies: 0 DAWGS most popular sandal, the Ladies Dawgs Z Strap Sandal provides just the right amount of style and comfort. What a concept, a grab-and-go slip-on shoe that's actually loaded with support! DAWGS "Z" sandals are open, airy and easy to slip on, but have all the arch support and comfort you need. Ultra thick soles, arch support, super lightweight, and a massaging foot-bed available in a huge array of color options is what makes this sandal your perfect spring and summer staple. A great alternative to your average flip flop, the comfort of the Z strap will take you from day to night with ease.

Ultrasoft
Ultra thick sole
Super light weight
Massaging food bed
Non-marking
Arch support
Easy to clean

http://accessories.woot.com/offers/ladies-dawgs-z-sandals-10-col...
Dawgs Deals

woot! Coupons
g: 0 Posted By: st4rdust
Views: 220 Replies: 0 Stapleas has theDuracell 1800mAh Portable Power Bank(DU7131) for$8.99with free in-store pickup. Alternatively, you can sign up for Staples Rewardsfor free and get this shipped to your house for no extra charge.

Charges portable devices
Charges device & Powerbank from any wall outlet
1,800mAh Li-Ion battery
5V DC
Apple 30 pin & micro USB connectors
For use with smartphones, tablets, eReaders & more
Includes sync & charge cable

Batteries & Chargers Deals

Staples Coupons
g: 0 Posted By: tedhawkins
Views: 112 Replies: 0 Tifosi Podium S Sunglasses - Neon Pink - $42.95 SunnySports FS on $50+

http://www.sunnysports.com/p-tfspds/tifosi-podium-s-sunglasses

What's in the box: Frame with AC Red, Clear and Smoke Lenses

Tifosi Podium S Sunglasses
With the Tifosi Podium S Sunglasses, you can always have an eye gear to wear that will suit your outdoor needs. Secure your eyes while hitting the road for adventure with the use of this Podium S Sunglasses sunglass from Tifosi. It ensures sharper peripheral vision while virtually eliminating distortion with the use of the De-Centered Shatterproof Polycarbonate Lenses. The said feature is also great in giving 100% Protection from Harmful UVA/UVB Rays, Bugs, Rocks, or whatever comes your way. The Tifosi Podium S Sunglasses is using Smoke Lenses with Reflective Lens Coating for reduced glare while decreasing eye fatigue. The sunglasses frame is made of Grilamid TR-90, a Homo-Polyamide Nylon with a superbly high Alternative Bending Strength, Low Density, and High Resistance to Chemical and UV Damage. It ensures all-out ruggedness for intensive outdoor use all-day long. Moreover, the sunglasses offers Hydrophilic Adjustable Temples, built to increase grip when in contact with sweat. Likewise, its hydrophilic rubber Resists Aging and UV Breakdown, making it last in a pristine condition for a very long time. It brings fantastic fit and wearing comfort to its users with the included Adjustable Temples and Nose Pieces. And with a weight of 1 oz., this Sunglasses can fit small to large faces with ease.
Better alternative than Paypal for paying/receiving invoices??
Added on : Friday June 13th 2014 03:00:06 AM
g: 0 Posted By: camar0
Views: 65 Replies: 1 Paypal has about 3.5% charge on money received. Is there a better solution for receiving payments with lesser charges?


Personal Finance Deals
Free "Save Our Internet: Net Neutrality Now!" sticker
Added on : Tuesday June 10th 2014 09:00:12 AM
g: 0 Posted By: remick
Views: 95 Replies: 0 http://act.boldprogressives.org/survey/nn_sticker_free/

​After immense public pressure, the FCC voted to invite public feedback on two proposals -- the bad one and an awesome one.
FCC Chair Tom Wheeler's preferred plan would create a fast lane for big corporations and a slow lane for everyone else. The alternative proposal would reclassify the Internet as a public utility like water -- equally accessible to all. This would enshrine Net Neutrality into law.
We're giving away stickers for people to put on their laptops and bumpers in order to raise awareness in our communities about Net Neutrality.
Sign up by June 15th to receive a free "Save Our Internet: Net Neutrality Now!" sticker. You will receive a confirmation email to input your shipping address.
We have under 120 days to win this fight at the FCC -- and stickers will be delivered in 4-6 weeks. We will ship only to the United States and its territories.
Home, Auto & Pets Deals
g: 0 Posted By: ctgolfer
Views: 161 Replies: 0 THIS WORX YARD COMBO INCLUDES: WG502, WG307, WA0163

The WORX WG502 TriVac Delux Blower/Mulcher/Vacuum has the versatility to change jobs with just the flip of a switch. Because there are no tubes to switch between tasks, you can blow away debris at 210 mph, then easily change to vacuuming dry leaves at up to 14 gallons per minute in seconds. The angled nose and comfortable handle make operation of the TriVac easy enough for any user. And with its powerful 12 amp motor, this tool makes an efficient an alternative to gasoline-powered tools. The WG502 improves on its predecessor with a heavy-duty metal impeller blade, which increases the mulch ratio to 18:1 and can better manage solid debris objects.

Key Specification Power 12A Blower speed: 210mph Max. air volume: 350cfm Bag capacity: 1.5bushels Mulch ratio: 18: 1 Machine weight: 8.6lbs
Seller Notes: In reference to the condition, This item is listed as New-Other which means the tool is new but has been re-boxed in a plain brown box. The original packaging may have been damaged in transit, but not the product.
www.ebay.com/itm/Worx-Yard-Combo-WG502-WG307-WA0163-Free-Worx-SD...
Garden Deals

eBay Coupons
g: 0 Posted By: remick
Views: 99 Replies: 0 http://www.amazon.com/gp/product/B00JQR1EGM/

Are you sick of paying rent? Unable to buy your own home? Facing eviction or foreclosure? Or do you simply want the freedom to move freely or travel? Then living fulltime in an RV might be for you! This book was written by a single woman who quit her day job, and did just that. It's designed to help you get started; help you decide which type of RV is right for you, some of the basic workings of living with an RV, finding places to park, and also, ideas on how to earn a living on the road.
Totally Free Deals
g: 0 Posted By: tecbloke
Views: 231 Replies: 0 Use your Kohls Card and code FATHER30 to get 30% off and also $50 Kohl's cash.
The best price on these is about $300ish plus tax. This is $200ish plus tax.

Linky to Kohls

Feel free to flame me for getting the numbers wrong by a couple of bucks and that your tax rate is different.
Alternatively you could try and get a life and stop making FatWallet a nauseating place to share a good deal.
Appliance Deals

Kohl's Coupons
Any good alternatives to Penfed for 5/5 ARM
Added on : Wednesday June 04th 2014 08:00:09 AM
g: 0 Posted By: gcooley
Views: 167 Replies: 1 Hey guys - appreciate all the mortgage threads. Learning a ton. I like the structure of the Penfed 5/5 ARM. Looking to see if there are any other national banks / credit unions offering 5/5 at more competitive rates?

I saw Navy Federal had better 5/5 rates, but does not look like I have any chance of becoming a member there. Struggling to find some good alternatives.

Thanks!
Real Estate Deals
g: 0 Posted By: awishon
Views: 0 Replies: 0 I was in the market for a new hedge trimmer after my 20 year old corded Black and Decker cut the extension cord yet again. Strangely, the cutting shaft bent at a 90' angle after I tried to see if it would also cut deep into the earth lol...

CPO Outlets (2.5% Cash Back) currently has a promotion for an extra $20 off of Greenworks power tools. The Gmax40V Li-Ion 24" hedge trimmer was on sale for $139.99 but the price drops to $119.99 after adding to cart and going to check out. The 2amp battery and charger are included. Free shipping and no taxes for Texas as well. Amazon has price matched the $139.99 but not the extra discount. Amazon review also seem to be good. 4 year warranty on the trimmer and 2 year warranty on the battery.

http://www.cpooutlets.com/greenworks-22262-40v-g-max-cordless-li... Notice: Lithium-Ion Item Express Delivery option not available due to transportation regulations.Become more efficient when working in your yard with the Greenworks 40V G-Max Lithium-Ion Lawn Tool Series, the gas alternative solution you have been waiting on. This interchangeable battery platform offers all the tools you need to complete your yard work without sacrificing performance or power.Featuring premium power, this Greenworks 40V G-Max Cordless Lithium-Ion 24-in Rotating Hedge Trimmer offers a range of capabilities making this a great alternative to gas powered hedge trimmers. The 24-in dual action steel blade provides a greater cutting capacity of 2/3-in and an extended reach for more efficient trimming along hard to reach areas. The innovative 180 degree rotating rear grip handle along with its over mold wrap around handle provides multiple cutting angles and cutting capabilities for versatile use. The unit also features a large hand guard for safety and simple electric start avoids spilling gas and hazardous fumes. An aluminum rail cover is included for safe storage and transportation.Features:

High performance 40V G-Max Lithium-Ion battery delivers fade-free power with no memory loss after charging
Lightweight and well balanced for easier use
Robust 24-in dual action steel blade for optimal performance
2/3-in cutting capacity easily cuts through bushes and hedges
Innovative 180 degree rotating rear handle to provide easy trimming at multiple angles with wrap around auxiliary handle for user comfort
Cushioned and over-molded grips increase operator comfort
Clear view hand guard with see through design for precision cutting and extra protection
Aluminum rail cover included for safe storage and transportation
Please Note:40V G-Max and 40V Li-Ion Batteries are not cross compatible; this tool is compatible with the G-Max 2.0 Ah battery (29462) and the G-Max 4.0 Ah battery (29472)

Includes:

40V G-Max Cordless Lithium-Ion 24-in Rotating Hedge Trimmer - 22262
40V G-Max 2.0 Ah Lithium-Ion Battery - 29462
Charger
Aluminum Rail Blade Covering
Owner's Manual

WARRANTYReturn To TopGreenworks WarrantyDouble The Industry StandardNEW GreenWorks products are protected against all defects under normal use for a period of (4) four years (90 days for commercial use) from the shipping date.Reconditioned GreenWorks products are protected against all defects under normal use for a period of 30 Days from the shipping date.GreenWorks can opt to repair, replace or issue a refund for products that are determined to be defective, or that have been damaged during shipping. Replacement of products or parts subject to normal wear and tear is the responsibility of the customer. If GreenWorks accepts a return under Warranty, you can return the defective or damaged product only after you call and receive a Return Authorization from GreenWorks. You also will receive a refund for your original shipping charges, and GreenWorks will arrange and pay for your return shipping charges. Batteries carry a one-year warranty against defects in workmanship and materials. Batteries must be charged in accordance with the operator's manuals directions and regulations in order to be valid.
Need AirFare suggestions - San Francisco to Niagara Falls
Added on : Monday June 02nd 2014 03:00:06 PM
g: 0 Posted By: OldFlame
Views: 614 Replies: 0 I am looking to go to Niagara Falls in Canada from San Francisco on a 3 day trip. The dates are flexible anytime between June 9th and June 16th.
Air Tickets from SFO to Buffalo ( BUF) run anywhere from $650 to $800 these days.
Wondering if there are any alternative routes to get there at a cheaper price.

Appreciate any suggestions. Thanks for your help.
Travel Packages Deals
Need help with Travel idea - San Francisco to Niagara Falls
Added on : Saturday May 31st 2014 07:00:07 PM
g: 0 Posted By: OldFlame
Views: 8 Replies: 0 I am looking to go to Niagara Falls in Canada from San Francisco on any 3 day trip between June 9th and June 19th.
Air Tickets from SFO to Buffalo ( BUF run anywhere from $650 to $800.
Wondering if there are any alternative routes to get there.

Appreciate any suggestions. Thanks for your help.
g: 0 Posted By: ctgolfer
Views: 95 Replies: 0 Detailed item info
Product Information
Capture all your special moments with the Canon EOS Rebel T3i/600D DSLR camera and cherish the memories over and over again. With an 18.0 MP CMOS sensor and DIGIC 4 image processor, this DSLR camera lets you take smooth, detailed, and high-quality images. The 3-inch monitor on this Canon 18.0 MP camera makes it easy to view photos, read menu, and compose shots. With a high ISO sensitivity (up to 6,400), the Canon EOS Rebel T3i/600D captures clear photos even in low-light conditions. What's more, you can connect this Canon 18.0 MP camera to the USB port of a PC or a printer, thanks to its dedicated interface cable. All things considered, this Canon 18.0 MP camera, with an EF-S IS II 18-55 mm lens, aims to be a great travel companion.

Product Features
18-megapixel APS-C CMOS sensor
An APS-C sized, 18-megapixel CMOS sensor captures images that are packed with detail and clarity. Such high-resolution allows large print sizes and the flexibility to crop pictures for alternative compositions.
ISO 100-6400 sensitivity
An ISO range of 100-6400, extendable to ISO 12,800, enables high-quality hand-held shooting in low-light conditions, without the need for flash.
14-bit image processing
At the heart of the Canon EOS 600D is a 14-bit DIGIC 4 image processor that provides exceptional color reproduction, smooth tonal gradation and tight control over noise.
Scene intelligent auto mode
Scene intelligent auto analyzes each scene in detail and picks the right camera settings each and every time, leaving you free to concentrate on what's important - your photography.
On-screen feature guide
The EOS 600D's on-screen feature guide provides descriptions of many of the camera's functions, as well as advice on how to use them.
Full-HD EOS movie
Shoot Full-HD video with manual control over frame rate, exposure and sound. Video Snapshot technology allows short clips of 2, 4 or 8 sec to be merged into a single movie file, for footage that looks like it was edited professionally, while movie digital zoom permits 3-10x magnification while retaining Full-HD quality.
9-point wide-area AF and iFCL metering
Nine AF points, including one central cross-type sensor, spread out across the frame for swift, accurate focusing, even with off-center subjects. 63-zone iFCL metering ensures accurate exposures time after time.
Basic+
Basic+ technology allows photographers to customize basic auto settings according to lighting conditions or ambience.
Creative filter effects
Creative filter effects can be applied to Raw and JPEG files post capture, including toy camera, soft focus, miniature, grainy black and white and fish eye simulations.
Built-in wireless flash control
An integrated wireless Speedlite flash controller and Easy Wireless technology allow off-camera TTL flash without the need for extra accessories.
Use with all EF and EF-S lenses
The EOS 600D is supported by the complete system: flashguns, remote releases and over 60 lenses trusted by professional photographers the world over.


www.ebay.com/itm/141303131570
Financial Implications of UberX
Added on : Wednesday May 28th 2014 08:00:05 PM
g: 0 Posted By: BigManonCampus
Views: 56 Replies: 3 I know this idea has partially been discussed here:http://www.fullofdeals.com/forums/finance/1337560/ but I wanted to go into a bit more detail and go with a slightly better thought out "business plan" for UberX driving. I recently finished my MBA and so I suddenly have what feels like a ton of free time at night and on weekends. There are the obvious FWF solutions of how to spend this time (H&B, etc.) but it seems like some amount of this time could be spent making more money and getting me out of the house. I had an idea today to start driving for UberX a couple nights a week (I'm thinking a weekday night and a weekend night) and how it could potentially be profitable.

My current vehicle is a pickup truck, so I'd have to obtain a second vehicle for Uber driving. Their requirements are <10 years old, clean title (not salvage/rebuilt), "excellent cosmetic and mechanical condition" (frighteningly vague) and 4 doors. A bit of basic craigslist/autotrader browsing suggests I can get a suitable 4 door vehicle with ~100k miles on it that is exceptionally unpopular (Suzuki Forenza/Verona, Chrysler Sebring/PT Cruiser, Chevy HHR, etc.) for around $3,500-5k. Alternatively, there are some nicer options (Lexis IS250, Cadillac CTS/Deville) in the $7-9k range. The hope would be that I could essentially drive these cars around 20k miles and do little maintenance beyond oil changes and treat this car as my UberX whipping boy then just sell them for roughly I have in them (alternatively, if something serious breaks or the car is totaled, consider it a capital loss and see what I can get for scrap, I'm cool with this risk).

So, here's my math:
Shift Mileage $ from Mileage $ from Time (Assuming 80% time/mile ratio) $ from Base fares (assuming 5 mi/ride*$2) Total Gross Earnings Uber's Cut Gas Cost @ 25 mpg @ $3.7/gal IRS Mileage Deduction (.56/mi) Taxable Amt Tax Burden ( assumed @30%) Net Earnings 20 28 22.4 8 58.4 11.68 2.96 15.82 30.9 9.27 21.63 40 56 44.8 16 116.8 23.36 5.92 31.64 61.8 18.54 43.26 60 84 67.2 24 175.2 35.04 8.88 47.46 92.7 27.81 64.89 80 112 89.6 32 233.6 46.72 11.84 63.28 123.6 37.08 86.52 100 140 112 40 292 58.4 14.8 79.1 154.5 46.35 108.15 120 168 134.4 48 350.4 70.08 17.76 94.92 185.4 55.62 129.78 140 196 156.8 56 408.8 81.76 20.72 110.74 216.3 64.89 151.41 160 224 179.2 64 467.2 93.44 23.68 126.56 247.2 74.16 173.04 180 252 201.6 72 525.6 105.12 26.64 142.38 278.1 83.43 194.67 200 280 224 80 584 116.8 29.6 158.2 309 92.7 216.3
Here's my explanation of my assumptions/numbers
Shift Mileage: Assumed mileage driven with a paying passenger

Income:
$ from Mileage: Assumed mileage x mileage rate
$ from Time: I took my last twenty UberX trips and the average Mileage $/Time $ was around .8, so I just multiplied $/Mile * .8
$ from Base Fare: Obviously this is highly dependent on number of trips. I punted on this one and assumed each trip was 5 miles, so every 5 miles I make $2/base fare.
(Not Calculated): Any weekend night I don't spend partying in bars, I don't spend money on drinks/rides home.

Deductions:
Uber's Cut: 20%. I would probably also drive for Lyft as well, in my travels, I've seen many drivers do both UberX and Lyft at the same time, but I'm assuming whomever I'm driving for, that's commission.
Gas: My assumptions per mile
Taxes: Assume 30% for taxes and 56.5 cents per mile deducted.

The obvious things ignored here are miles with no earnings going to pick somebody up (to which I have no idea how to calculate) and insurance costs. I assume my insurance costs will be minimal because it'll be a second car on my current single driver policy and carry liability only insurance. If I have a $3,500 car that is only the UberX whipping car and I total the thing, I assume my insurance and Uber's $1 million liability will pick up the liability, and I'll just get rid of the wrecked car and decide that UberX wasn't worth it.

I'm assuming that using a normal distribution with the above numbers and assuming 60-120 paid miles, I'll average $100/night (I suspect it would be more like $50/weeknight, $150/weekend night) Whether this is realistic or not, I don't have a good way to determine, Uber's community managers swear that everybody gets $1000+ a week, blah blah blah.

So, my only unknowns are the real UberX market in my city, if I bought a car and immediately had to put a significant amount of money into it ($500 repair or something two weeks after I get it), but that is just a risk I have to take with this plan.

So, FWF, anything I'm missing?
Question Deals
TCPA enforcement for fun and for profit up to 3k per call
Added on : Sunday May 25th 2014 08:00:11 AM
g: 3 Posted By: codename47
Views: 146 Replies: 1 Just wanted to get some feedback on the latest experiences people are having with automated calls. So, the TCPA (telephone consumer protection act 47 usc 227) regulates such calls, and generally without "express written consent" or an emergency purpose.

TCPA updates:

Now, previously, before October 2013, there was an implied, express written consent where if you gave your telephone number to someone, it was considered by some courts to be "consent" or was allowed under an "established business relationship", but that all changed in the fall of 2013, so here are have a requirement for unambiguous written consent required and no established business relationship loophole as of October 2013, because the FCC says so. http://www.kleinmoynihan.com/publication/new-tcpa-rules-effectiv...

Text messages count too as prohibited methods of communication again without clear written consent. These are super easy to enforce as you have almost all the evidence you need to find out the other party's identity and bring them to court.

Also, just to be clear the company that the calls are being made for are vicariously liable for the actions of the telemarketing company. So, if a company calls and is trying to sign you up for Dish network or Caribbean cruise lines, and they are Joe Schmoe telemarketing enterprises LTD, and they fold up, declare bankruptcy, and move overseas, you aren't out of luck and can generally go after Dish network for the calls that were made on their behalf as they were the ultimate beneficiary of the illegal actions. Otherwise, any company could hire an illegal telemarketer, and claim innocence as they didn't directly make the calls themselves.

So, I am looking at switching service providers with my cell phone as I can't port my old number, and holy effin crap, I get a lot of pre-recorded calls and for no reason on the new number. I get quite a few on the old number too, but that is in the process of being rectified...

Some other interesting stuff I found is that at least in the 6th circuit COA at least, TCPA calls have a max damage amount of potentially 3k per call. Now, some lazy lawyers will cite the $500 to a max of $1500 per call, but for people who are willing to do a little research, they may find a few gem's such as Phillip Charvart, a personal hero of mine along with Edward C lawson. If you think I have a propensity to sue people you should see Phillip Charvart laying down the law. I read somewhere that he filed like 60+ lawsuits and won the vast majority of them while establishing a lot of good caselaw. For example, in one case, Charvart was awarded $73k. http://do-not-call-complaints.com/blog/tcpa-monetary-awards-char...

The 6th Circuit held in another case:
a person may recover statutory damages of $1500 for a willful and knowing violation of the automated-call requirements, 227(b)(3), and $1500 for a willful and knowing violation of the do-not-call-list requirements, 227(c)(5) even if both violations occurred in the same telephone call. This is in Charvart v NMC llC: http://www.sixthcircuitappellateblog.com/uncategorized/sixth-cir...

Therefore, if you get a pre-recorded call that fails to provide the name/entity for which the calls are being made, or the phone number or address of the entity which the calls are being made on behalf of, fails to honor a DNC request or fails to have a DNC list, you have one category of violations which can run $500 to $1500 per call. If you have a pre-recorded or automated call that is a second category of violations that can run $500 to 1500 per call.

Now, I know some have said they have trouble identifying the other party, so you can feign interest and gather some identifying information that way. Alternatively, I've found that a large number of the calls I get a least, come from one source: peerless networks. Apparently they provide telemarketing services for many companies, and they are frequently violating the law. So I do a reverse search on whitepages.com, which takes like 5 seconds, identify the service provider, and then subpoena the information most likely from Peerless networks, which apparently gets quite a lot of requests for this information as they state the different categories of information available and how to request it. Key thing is that they can provide ALL subscribers that have called a certain telephone number, so perhaps if you missed one or two companies in the last 4 years, this company will most likely have a complete set of records for just the calls from subscribers to you. They can also provide the subscriber contact information.

http://www.peerlessnetwork.com/contact-us/law-enforcement-and-su...

In summary:

Explicit in writing opt in is required.

Text message marketing is just stupid, but there are apparently a lot of stupid people in the world

Peerless networks likely has almost all the information you need to carry a lawsuit.

you can recover somewhere between 1k and 3k per call

Parent/beneficiary companies are vicariously liable and there are a lot of stupid/lazy marketing departments in the world

Many of these companies leave robocall voicemails, which is just stupid as well.

You are a private attorney general, because congress said so



Discussion Deals
Free City Maps 2Go Pro iOS
Added on : Sunday May 25th 2014 08:00:10 AM
g: 0 Posted By: remick
Views: 102 Replies: 0 https://itunes.apple.com/app/id327783342?mt=8

FREE only today! (SAVE $2.99/1.99) Your reliable and easy-to-use global travel companion. Detailed offline maps, in-depth travel content, popular places, and insider tips. Plan and have the perfect trip!

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Thousands of destinations available worldwide, covering virtually the entire globe. Should you need a destination thats missing, we'll create it for you immediately upon request. Just email us at support@ulmon.com.

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Have all the information in your pocket. For each destination, access comprehensive and up-to-date information covering thousands of places, attractions, and points of interest. Aggregated, packaged and formatted from the best data sources on the web for easy use on your smartphone and tablet.

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Find the best restaurants, shops, attractions, hotels, bars, etc. Search by name, browse by category or discover nearby places using your devices GPS even without an internet connection.

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Create your own reviews and ratings of your favorite places. Share tips and recommendations with friends and other travelers.

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Create lists of places you want to visit. Pin existing places, like your hotel, to the map. Add your own pins to the map. Add notes to places. Find and book hotels from within CityMaps2Go.

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Transfer your personal pins, notes, etc., between devices or sync them to the cloud.

OFFLINE ACCESS
Maps and guide content are stored on your device so they can be accessed at any time even without an internet connection. That way CityMaps2Go is fast and reliable no matter if you have a Wi-Fi-only device or want to save data or roaming costs while abroad.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 101 Replies: 0 The 10-Watt folding solar panel allows you to take advantage of the free energy from the sun to power your electronics. The Solar panel offers an environmentally friendly alternative to keeping all your gadgets fully juiced. It uses efficient monocrystalline solar panels but its folding design conveniently allows for it to be a fraction of the size of a traditional solar panel. The folding design makes it ideal for traveling and storage while the O-rings are great for mounting or clipping to a backpack. The 10-Watt Folding Solar Panel is constructed of weather resistant materials making it great for taking camping, hiking, backpacking and boating.

10-Watt monocrystalline solar panel for charging all portable devices via usb
Magnetic closure and grommets for secure storing
Folds into small size for easy portability
Convenient side pouch for storage
Can be used to charge nature power's power bank Elite 15 rechargeable battery pack (sold separately) for added portability

www.homedepot.com/p/Nature-Power-10-Watt-Folding-Solar-Panel-for...
Home & Garden Deals

Home Depot Coupons
Bath Body Works: Up to 50% Off Select Items + Extra 20% Off AC
Added on : Saturday May 24th 2014 02:00:02 AM
g: 0 Posted By: st4rdust
Views: 152 Replies: 1 Bath & Body Works is offering up to 50% off select items. Discount is already applied when you add the item to your cart. You can also use promotional code "SUNNY" at checkout to get another 20% off (and free shipping on orders $50+). Flat rate shipping was $5.99 for me.

Alternatively, you can use code "BEACHY" to get free shipping on orders of $25 or more. Only one promo code per order, so use whichever gives you the best deal!

LINK



Health & Beauty Deals

Bath and Body Works Coupons
SUMMER MOVIE DEALS For Adults and Children - 2014 Season
Added on : Thursday May 22nd 2014 01:00:02 PM
g: 1 Posted By: BigBoyMichigan
Views: 184 Replies: 0 Special Thanks toHeyItsFree.net For sharing this information


AMC Theaters: Their Summer Nights program is aimed at adults with 8 blockbuster hits back for a limited time. Show times are Mon-Wed at 10 pm. Tickets are just $3 and benefit charity.

Bow Tie Cinemas Select locations are showing free kids movies on Tuesdays and Wednesdays at 10:00 am from June 24 to Aug. 20.

Cinemark Century Theaters: They have two different money saving movie programs. First, pay $5.00 p.p. in advanced and youll get tickets for 10 movies! Alternatively, you can buy your tickets at the show for $1 each. Note someRave Theatersare now owned by Cinemark.

Cineplex: Saturday mornings at 11:00 am through June will feature Cineplex Family Favourites. Watch a family favorite film each week for only $2.50 at participation locations.

Classic Cinemas: Beginning June 11th, Wednesday Morning Movie Series. Each Wednesday morning at 10 am ticket prices are just $1, all movies are rated G and PG.

Harkins Theater:Again, you have two options: Buy a season pass then each movie is less then $1. Or buy tickets the day of the movie for $2 per ticket. Show times are at 9:45 am.

Marcus Theaters: Every Sunday, Monday, and Wednesday mornings at 10am from June 15 Aug. 13 will feature a favorite family flick for just $2! Popcorn and sodas are $2.50 as well. Finally, you can score 2 free tickets by visiting a participating American Family Insurance agent.

Regal Cinemas $1 Movies All summer long long you can see select PG movies for just $1 a ticket. Show times are Tuesdays & Wednesdays at 10am.

Studio Movie Grill: Their Summer Childrens Series is every weekday at 11 am. Like the rest, you get a family friendly film only $2 a ticket.

Showcase Cinemas: Their Bookworm Wednesdays allow kids to bring in a book report (6 and under dont need this) in exchange for free admission! The best I ever got for a book report was the promise of no more book reports.


You can also receive FREE MOVIE PASSES as well as Free Amusement Park Passes, Gift Cards, Meals, Concert & Sporting Event Tickets, Beer - if you donate blood at your local American Red Cross as well as other blood centers for complete info click link
http://www.fullofdeals.com/forums/free-stuff/1289688/

Restaurants & Entertainment Deals
Free Car Lockout Program MD, VA, DC
Added on : Thursday May 22nd 2014 07:00:08 AM
g: 1 Posted By: remick
Views: 204 Replies: 1 http://www.baldinos.com/FreeLockoutSignup.aspx

TERMS AND WAIVER
Baldino's Lock & Key Service, Inc. - Lockout Protection Program
1. Customers who have registered with Baldino's Lock & Key Service, Inc. ("Baldino's") in the Lockout Protection Program, may call Baldino's toll free line, 1-301-963-4440 , for assistance in unlocking a locked vehicle. When calling, the Customer needs to provide name, vehicle description, the location of the vehicle and other related pertinent information as requested by Baldino's at the time.
2. SERVICE AREA: Lockouts are currently serviced within the following areas: The Virginia cities and counties of Stafford, Fairfax, Prince William, Loudoun, Alexandria, Arlington, and the Maryland cities and counties of Montgomery, Baltimore, Annapolis, Ann Arundel, Howard, Prince George's, and Washington DC including all towns and other political subdivisions within. Updates of a broader service area will be advised without additional charge.
3. COOPERATION: The Customer agrees to cooperate with Baldino's, its Technicians and Service Desk. The Customer has been advised that to obtain free service, the Customer must:
A. Provide valid owner identification such as a driver's license to protect against unauthorized entry into a Customer's vehicle;
B. Must have the Baldino's issued Vehicle Sticker displayed on the inside of driver's side window of the vehicle; (or regular service charges will apply);
C. Or the Baldino's Lockout Program Key Ring Identification Tag must be found inside the locked vehicle once opened, (or regular service charges will apply);
D. Once the vehicle is open the vehicle registration must be verified to assure that there is authority over the vehicle.

Baldino's may contact the Police or request Police assistance in any situation where inadequate verification is provided or if Baldino's personnel otherwise believe Police assistance will be beneficial.
4. UNCONTROLLABLE CONDITIONS:
A. Service may be delayed or suspended due to circumstances beyond the control of Baldino's (e.g. weather, traffic, heavy call load, etc.). Baldino's shall not be responsible for delays in response or failure to respond in such circumstances.
B. The Baldino's Technician or Service Desk will try to advise the customer of any known delays due to weather and traffic. If the customer is advised that no service can be provided, see Section 5 below.
C. Time of service response time may vary due to pre-existing service load. Please be patient. Baldino's Service Desk or Technician will advise of an estimated time of arrival.
5. LIMITED WARRANTY:
The liability of Baldino's for any failure or inability to respond within two (2) hours of a call for Service within the Service Area is limited to $55.00 dollars. No other warranty of any kind, express or implied is hereby made or to be presumed, nor shall Baldino's be liable for any consequential or other damages of any kind. Baldino's will issue a "Credit Number" by phone when Baldino's advises that it cannot respond to a service call within two (2) hours from the first call. The Credit Number must be written on a request for reimbursement, including the customer's name and address, to be sent to Baldino's with a copy of the receipt from the alternative lockout provider. Requests and receipts should be sent to: Baldino's Lock & Key Service, Inc., PO Box 1417 Newington VA. 22122. Please include responding address. Upon verification a reimbursement check will be sent.
6. Customers are welcome to additional window identification stickers for each owned vehicle and a Baldino's Lockout Program Key Ring Identification Tag for each authorized family member or business employee.
7. Customers are limited to two (2) Free lockouts per year per enrolled vehicle. Normal charges with a Ten (10%) percent discount will apply for more than two service calls.
8. Baldino's has the right to terminate the program after seven (7) days notification to the customer.
8A. Termination: Baldino's Lockout Program may be ended any time after seven days best effort notification to registrants. Proper Notification shall be via mail to registrant's address listed on registration form or E-mail address provided on registration. An update for address changes may be requested periodically from Baldino's, but it is the responsibility of participant to notify Baldino's if mailing address changes.
9. Participants authorize Baldino's to send correspondence by mail or e-mail to request address updates, vehicle changes and additions, to add new participants and to advise of customer specials, discounts and new products from Baldino's Lock & Key.
9A. Communications: Mailers may be sent to you periodically to update our records for any changes in vehicle ownership and to serve your needs for any new window stickers or key tags. Information on security tips, specials, new products and discount coupons may be included. It is the responsibility of all participants to register at www.baldinos.com/free-lockout-program for automatic email updates or visit www.baldinos.com or phone 301-963-4440 periodically to be aware and accept the any updates, information and changes in the free lockout program.
Activation:
By applying the Baldino's Lock & Key, sticker on your car's driver's side window or we find the special Baldino's lockout keytag on your key ring locked inside the car, that the rules of this warranty are understood and you have acknowledged the above restrictions.
Totally Free Deals
g: 0 Posted By: MrVietnam
Views: 916 Replies: 6 Freebies and/or MMs

Get $10 +up wyb Puracyn Foot Wash - $10.00 (limit 1)
$1 off Puracyn foot wash or wound care 4 oz, Rite Aid May '14 Video Values (exp 6/14)
$1.00 MM after coupon and +UP Reward!

Get $5.50 +up wyb Mucinex Allergy, 5 ct - $7.50 (limit 1)
$2 coupon in most Sunday papers (5/18 SS)
FREE after coupon and +UP Reward!

Get $1.00 +up wyb St Joseph Aspirin, 36 ct - $2.00 (limit 2)
$1 coupon in most Sunday papers (5/18 SS)
FREE after coupon and +UP Reward!

All Clear Eyes Eye Drops, $4.99
Get $3 +UP Reward (Limit 2)
$1/1 Clear Eyes Product, exp. 7/31/14 (SS 04/27/14 R)
$1.50/1 Clear Eyes Product (Rite Aid May '14 Video Values)
$0.51 MM after stacked coupons and +UP Reward!

Resolve Carpet or Laundry Product
FREE after mail-in rebate (up to $4.49)


+UP Deals

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$1/1 Banana Boat Product, exp. 6/8/14 (SS 04/27/14)
$1/1 Hawaiian Tropic, exp. 6/8/14 (SS 04/27/14)

Get $3 +up wyb Scott Paper Towels - $7.24 (limit )

Get $2 +up wyb OFF - $4.99 (limit )

Get $1 +up wyb 3 Dentyne, Stride and Trident Single Packs - 3/$3
$.25 Trident White and Dentyne Ice, Rite Aid May '14 Video Values (exp 6/14)

Get $3 +up wyb 2 of the following items (limit 2)

Tresemme Shampoo or Conditioner, 32 oz or Select Stylers - $4
Tresemme Shampoo or Conditioner, 25 oz or Select Stylers - $5
Clear Shampoo or Conditioner - $5
$2/1 Clear Hair Care, Rite Aid May '14 Video Values (exp 6/14)

Get $2 +up wyb Infusium 23 Shampoo or Conditioner, 12-16 oz - $4.99 (limit 2)
$2 coupon in most Sunday papers

Get $3 +up wyb 2 Simple Cleansers and Wipes, Regular Retail $6.99-$8.29 - $5.00 (limit 2)
$1 coupon in most Sunday papers

Get $3 +up wyb Centrum or Caltrate - $9.99 (limit 2)
$2/1 Centrum Flavor Burst Chews printable[centrum.com]
$3/1 Centrum ProNutrients Supplement, exp. 12/31/15 (Package Insert)

Other Deals
BIC Flamedisk Charcoal Alternative or Multipurpose Lighter $2.99
$2/1 Bic FlameDisk printable[grillwithbic.com]
$1/1 BIC FlameDisk, Rite Aid May '14 Video Values (exp 6/14)

Kingsford Charcoal $9.99
$1/1 Kingsford Charcoal, Rite Aid May '14 Video Values (exp 6/14)

Chef Boyardee - $1.00
$1/4 Chef Boyardee, exp. 6/30/14 (Conagra and P&G Help End Child Hunger Booklet)

Barilla Pasta - 4/$5
$0.55/1 Barilla Whole Grain Pasta, exp. 6/21/14 (SS 04/27/14)
Health & Beauty Deals
g: 0 Posted By: MrVietnam
Views: 877 Replies: 5 Freebies

Get $10 +upr wyb Puracyn Foot Wash - $10.00 (limit 1)
$1 off Puracyn foot wash or wound care 4 oz, Rite Aid May '14 Video Values (exp 6/14)

Get $5.50 +upr wyb Mucinex Allergy, 5 ct - $7.50 (limit 1)
$2 coupon in most Sunday papers (5/18 SS)

Get $1.00 +upr wyb St Joseph Aspirin, 36 ct - $2.00 (limit 2)
$1 coupon in most Sunday papers

Get $2.50 +upr wyb Colgate Total Advanced Toothpaste, 5.8 oz - $3.49 (limit ?)

+UPR Deals

Get $1 +upr wyb All Banana Boat or Hawaiian Tropic Sun Care Products (excludes twin & value packs) (limit 2)
$1/1 Banana Boat Product, exp. 6/8/14 (SS 04/27/14)
$1/1 Hawaiian Tropic, exp. 6/8/14 (SS 04/27/14)

Get $3 +upr wyb Scott Paper Towels - $7.24 (limit )

Get $2 +upr wyb OFF - $4.99 (limit )

Get $1 +upr wyb 3 Dentyne, Stride and Trident Single Packs - 3/$3
$.25 Trident White and Dentyne Ice, Rite Aid May '14 Video Values (exp 6/14)

Get $3 +upr wyb 2 of the following items (limit 2)

Tresemme Shampoo or Conditioner, 32 oz or Select Stylers - $4
Tresemme Shampoo or Conditioner, 25 oz or Select Stylers - $5
Clear Shampoo or Conditioner - $5
$2/1 Clear Hair Care, Rite Aid May '14 Video Values (exp 6/14)


Get $2 +upr wyb Infusium 23 Shampoo or Conditioner, 12-16 oz - $4.99 (limit 2)
$2 coupon in most Sunday papers

Get $3 +upr wyb 2 Simple Cleansers and Wipes, Regular Retail $6.99-$8.29 - $5.00 (limit 2)
$1 coupon in most Sunday papers

Get $3 +upr wyb All Clear Eyes Eye Drops - $4.99 (limit 2)
$1.50/1 Clear Eyes, Rite Aid May '14 Video Values (exp 6/14)

Get $3 +upr wyb Centrum or Caltrate - $9.99 (limit 2)
$2/1 Centrum Flavor Burst Chews printable[centrum.com]
$3/1 Centrum ProNutrients Supplement, exp. 12/31/15 (Package Insert)

Other Deals
BIC Flamedisk Charcoal Alternative or Multipurpose Lighter $2.99
$2/1 Bic FlameDisk printable[grillwithbic.com]
$1/1 BIC FlameDisk, Rite Aid May '14 Video Values (exp 6/14)

Kingsford Charcoal $9.99
$1/1 Kingsford Charcoal, Rite Aid May '14 Video Values (exp 6/14)

Chef Boyardee - $1.00
$1/4 Chef Boyardee, exp. 6/30/14 (Conagra and P&G Help End Child Hunger Booklet)

Barilla Pasta - 4/$5
$0.55/1 Barilla Whole Grain Pasta, exp. 6/21/14 (SS 04/27/14)
Health & Beauty Deals
g: 0 Posted By: MrVietnam
Views: 864 Replies: 5 Freebies

Get $10 +upr wyb Puracyn Foot Wash - $10.00 (limit 1)
$1 off Puracyn foot wash or wound care 4 oz, Rite Aid May '14 Video Values (exp 6/14)

Get $5.50 +upr wyb Mucinex Allergy, 5 ct - $7.50 (limit 1)
$2 coupon in most Sunday papers (5/18 SS)

Get $1.00 +upr wyb St Joseph Aspirin, 36 ct - $2.00 (limit 2)
$1 coupon in most Sunday papers

Get $2.50 +upr wyb Colgate Total Advanced Toothpaste, 5.8 oz - $3.49 (limit ?)

+UPR Deals

Get $1 +upr wyb All Banana Boat or Hawaiian Tropic Sun Care Products (excludes twin & value packs) (limit 2)
$1/1 Banana Boat Product, exp. 6/8/14 (SS 04/27/14)
$1/1 Hawaiian Tropic, exp. 6/8/14 (SS 04/27/14)

Get $3 +upr wyb Scott Paper Towels - $7.24 (limit )

Get $2 +upr wyb OFF - $4.99 (limit )

Get $1 +upr wyb 3 Dentyne, Stride and Trident Single Packs - 3/$3
$.25 Trident White and Dentyne Ice, Rite Aid May '14 Video Values (exp 6/14)

Get $3 +upr wyb 2 of the following items (limit 2)

Tresemme Shampoo or Conditioner, 32 oz or Select Stylers - $4
Tresemme Shampoo or Conditioner, 25 oz or Select Stylers - $5
Clear Shampoo or Conditioner - $5
$2/1 Clear Hair Care, Rite Aid May '14 Video Values (exp 6/14)


Get $2 +upr wyb Infusium 23 Shampoo or Conditioner, 12-16 oz - $4.99 (limit 2)
$2 coupon in most Sunday papers

Get $3 +upr wyb 2 Simple Cleansers and Wipes, Regular Retail $6.99-$8.29 - $5.00 (limit 2)
$1 coupon in most Sunday papers

Get $3 +upr wyb All Clear Eyes Eye Drops - $4.99 (limit 2)
$1.50/1 Clear Eyes, Rite Aid May '14 Video Values (exp 6/14)

Get $3 +upr wyb Centrum or Caltrate - $9.99 (limit 2)
$2/1 Centrum Flavor Burst Chews printable[centrum.com]
$3/1 Centrum ProNutrients Supplement, exp. 12/31/15 (Package Insert)

Other Deals
BIC Flamedisk Charcoal Alternative or Multipurpose Lighter $2.99
$2/1 Bic FlameDisk printable[grillwithbic.com]
$1/1 BIC FlameDisk, Rite Aid May '14 Video Values (exp 6/14)

Kingsford Charcoal $9.99
$1/1 Kingsford Charcoal, Rite Aid May '14 Video Values (exp 6/14)

Chef Boyardee - $1.00
$1/4 Chef Boyardee, exp. 6/30/14 (Conagra and P&G Help End Child Hunger Booklet)

Barilla Pasta - 4/$5
$0.55/1 Barilla Whole Grain Pasta, exp. 6/21/14 (SS 04/27/14)
Health & Beauty Deals
Thule EnRoute Mosey Daypack (Black) - $39.99 + FS @ Staples
Added on : Friday May 16th 2014 11:00:03 PM
g: 0 Posted By: st4rdust
Views: 122 Replies: 0 Staples has theThule EnRoute Mosey Daypack(Black) for$39.99with free shipping for Staples Rewards members. Sign up for free here.Alternatively, this is also available for free in-store pickup. Positive customer reviews.


Large main compartment with padded, top-load sleeve for a laptop and a slip pocket for an iPad/tablet
Black
19.1"H x 12.2"W x 5.1"D
Two side heat-molded, crush-proof SafeZone compartments safeguard fragile gear
Cinch entry into main compartment secures everything inside the bag and serves as a second layer of protection
Organization panel keeps snacks and electronics in one place
Airflow channels on back panel provide ventilation
Integrated custom closure system easily slides together and releases
Padded backpack straps with a sternum strap maximize comfort
Stash pocket on hood keeps small items within instant reach, and side pocket keeps a water bottle close at hand



4.3/5 stars based on 31 customer reviews herefrom Amazon, where this is currently $55.00.
Sports & Outdoors Deals

Staples Coupons
g: 0 Posted By: ctgolfer
Views: 50 Replies: 0 Sleep Innovations 2-inch memory foam sculpted topper lets your transform you old mattress into a comfortable new sleeping surface
Memory foam cradles the body for comfortable support
The memory foam topper conforms to your body so your body relaxes
Reduces tossing and turning
Comes with a removable cover that is machine washable
Breathable materials help to keep an even sleeping temperature all night
Memory foam mattress topper can be spot cleaned
Value price alternative to buying a new mattress
Enjoy restful refreshing sleep on memory foam surface

www.sears.com/shc/s/p_10153_12605_096VA46593701P
Bedding Deals
Olde Book Pillow Classics from $17.99 plus $6.94 shipping @ ThinkGeek
Added on : Wednesday May 14th 2014 04:00:08 PM
g: 1 Posted By: Virgil27
Views: 155 Replies: 0 Olde Book Pillow Classics from $17.99 plus $6.94 shipping @ ThinkGeek

Whether you're the kind of person who fell asleep reading a good book or were just put to sleep in English class, ThinkGeek provides a literary alternative to counting sheep with these Olde Book Pillow Classics starting at $17.99 plus $6.94 shipping. You can choose from Sherlock Holmes, Treasure Island or Alice in the Wonderland (which is $24.99 for reasons only known to the Cheshire Cat). Unfortunately, I haven't found an accurate price comparison for literary classics repurposed into pillows, but these seem pretty reasonable.
Bedding Deals

ThinkGeek Coupons
Frontier 20-lb Lump Charcoal $8.99 (Free in-store pickup) @ Lowe's
Added on : Wednesday May 14th 2014 02:00:08 PM
g: 1 Posted By: DizzyT71
Views: 181 Replies: 0 Lowe's has the Frontier 20-lb Lump Charcoalon sale for $8.99 with free in-store pickup.

Next lowest price on Google Products is $44.23 shipped from a rated merchant.

Excellent for searing or slow cooking meats to perfection
Lump burns hotter and longer than regular charcoal
A great alternative to regular charcoal


5/5 Stars based on 10 customer reviews on product page.
Home & Garden Deals

Lowe's Coupons
g: 0 Posted By: st4rdust
Views: 14 Replies: 0 Amazon hasThe Hobbit: The Desolation of Smaug(Blu-ray 3D + Blu-ray + DVD + UltraViolet Digital Copy) for $19.99. Ships free with Amazon Prime, or get Free Super Saver Shipping on orders of $35 or more.

Alternatively, if you are not interested in 3D, is The Hobbit: The Desolation of Smaug (Blu-ray + DVD + Digital HD UltraViolet Combo Pack) for $14.96.
Blu Ray Deals

Amazon Coupons
g: 1 Posted By: Evander
Views: 140 Replies: 0 I don't know how long the $9.95 specials will last but here is the list:
http://www.thegreatcourses.com/tgc/Courses/CourseBuffetOffer.asp...

Secrets of Mental Math
Origins of Great Ancient Civilizations
Experiencing Hubble: Understanding the Greatest Images of the Universe
Optimizing Brain Fitness
History of the Bible: The Making of the New Testament Canon
Museum Masterpieces: The Louvre
Thinking like an Economist: A Guide to Rational Decision Making
Art of Public Speaking: Lessons from the Greatest Speeches in History

The buy 2 get 1 deal is a code for Mother's Day only (says so on front page): WV7K
I didn't notice it until after ordering so it's too late for me. Alternatively, there is a $10 off coupon code: W6PE
Everlast 80-lb. OR 70-lb. Heavy Bag - $40.00 + FS @ Amazon
Added on : Sunday May 11th 2014 03:00:05 AM
g: 0 Posted By: st4rdust
Views: 168 Replies: 0 Amazon has the Everlast 80-lb. Traditional Heavy Bagfor $40.00with Free Super Saver Shipping.

4.3/5 stars based on 74 customer reviews.

80 lb. bag with Tough Nevatear construction.
Includes all necessary hardware
Provides ultimate strength and conditioning workout
The Zipper tab is deliberately broken off the top of the bag by the manufacturer to prevent the bag from being opened and the stuffing released


Alternatively, the Everlast 70-lb. heavy bag is available here for the same price. Choose "Red" as the color to get this deal.
Sports & Outdoors Deals

Amazon Coupons
Manilla will be closing on July 1, 2014
Added on : Saturday May 10th 2014 07:00:07 AM
g: 0 Posted By: msakthivel
Views: 0 Replies: 0 Today I got an email stating Manilla being Closed on July 1, 2014.
Manilla was very helpful in archiving all the e-statements automatically into one place and one sign in.
Now this gets closed by July 1st, Is there any other alternatives?

I know we can download and upload to Cloud services. But we will be missing automatic get and uploads.

Here is more information on its announcement on their website.
https://www.manilla.com/announcement/
Rite Aid 5/18 - 5/24 (good week to roll +UPs)
Added on : Friday May 09th 2014 01:00:04 AM
g: 0 Posted By: MrVietnam
Views: 119 Replies: 3 Freebies

Get $10 +upr wyb Puracyn Foot Wash - $10.00 (limit 1)
$1 off Puracyn foot wash or wound care 4 oz, Rite Aid May '14 Video Values (exp 6/14)

Get $5.50 +upr wyb Mucinex Allergy, 5 ct - $7.50 (limit 1)
$2 coupon in most Sunday papers

Get $1.00 +upr wyb St Joseph Aspirin, 36 ct - $2.00 (limit 2)
$1 coupon in most Sunday papers

Get $2.50 +upr wyb Colgate Total Advanced Toothpaste, 5.8 oz - $3.49 (limit ?)

+UPR Deals

Get $1 +upr wyb All Banana Boat or Hawaiian Tropic Sun Care Products (excludes twin & value packs) (limit 2)
$1/1 Banana Boat Product, exp. 6/8/14 (SS 04/27/14)
$1/1 Hawaiian Tropic, exp. 6/8/14 (SS 04/27/14)

Get $3 +upr wyb Scott Paper Towels - $7.24 (limit )

Get $2 +upr wyb OFF - $4.99 (limit )

Get $1 +upr wyb 3 Dentyne, Stride and Trident Single Packs - 3/$3
$.25 Trident White and Dentyne Ice, Rite Aid May '14 Video Values (exp 6/14)

Get $3 +upr wyb 2 of the following items (limit 2)

Tresemme Shampoo or Conditioner, 32 oz or Select Stylers - $4
Tresemme Shampoo or Conditioner, 25 oz or Select Stylers - $5
Clear Shampoo or Conditioner - $5
$2/1 Clear Hair Care, Rite Aid May '14 Video Values (exp 6/14)


Get $2 +upr wyb Infusium 23 Shampoo or Conditioner, 12-16 oz - $4.99 (limit 2)
$2 coupon in most Sunday papers

Get $3 +upr wyb 2 Simple Cleansers and Wipes, Regular Retail $6.99-$8.29 - $5.00 (limit 2)
$1 coupon in most Sunday papers

Get $3 +upr wyb All Clear Eyes Eye Drops - $4.99 (limit 2)
$1.50/1 Clear Eyes, Rite Aid May '14 Video Values (exp 6/14)

Get $3 +upr wyb Centrum or Caltrate - $9.99 (limit 2)
$2/1 Centrum Flavor Burst Chews printable[centrum.com]
$3/1 Centrum ProNutrients Supplement, exp. 12/31/15 (Package Insert)

Other Deals
BIC Flamedisk Charcoal Alternative or Multipurpose Lighter $2.99
$2/1 Bic FlameDisk printable[grillwithbic.com]
$1/1 BIC FlameDisk, Rite Aid May '14 Video Values (exp 6/14)

Kingsford Charcoal $9.99
$1/1 Kingsford Charcoal, Rite Aid May '14 Video Values (exp 6/14)

Chef Boyardee - $1.00
$1/4 Chef Boyardee, exp. 6/30/14 (Conagra and P&G Help End Child Hunger Booklet)

Barilla Pasta - 4/$5
$0.55/1 Barilla Whole Grain Pasta, exp. 6/21/14 (SS 04/27/14)
Health & Beauty Deals
g: -1 Posted By: frankfrankscherer
Views: 37 Replies: 0 Coupon: ZN3C6TXJ ($3 off)
Link: http://www.amazon.com/dp/B00F474DVG


My previous car charger ceased to function recently and I was looking for a new gadget for my old Ford F-150. I found a promotion on Amazon for PLEMO Cigarette Lighter Adapter / USB Car Charger. Its appearance is a lot more eye-catching than most alternatives. The product has 3 sockets to power car appliances and 2 USB ports to charge personal devices.

The original price was $13.99, already a good price given all its appealing features, and now with the coupon you can get it at $10.99. The product has a 4.2 customer rating out of 35 reviews.


Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: hondo1978
Views: 25 Replies: 0 (Please no religious war for Ooma vs Obihai here.)

Obihai support free phone with Google voice is coming to a close, so here is a pretty easy way and relatively cheap way to keep the service. I just signed up for this plan for my home phone, it is not free but it comes to about $2.04 a month if you signed up for 2 year $49.99 BYOD lite plan.

http://www.vestalink.com/pricing/?plan=lite

- You need Obihai box with Google voice number.
- You can keep your google voice account and spoof outbound caller id number as if you are calling from google voice number.
- 500 minutes per month free call for North America.
- 30 days free trial but they might pull the 2 year $49.99 on May 15th, so you may have to pay more if you wait. I am on trial period right now and will probably sign up for the $49.99 plan on May 14th.
- So far I think the voice quality is a lot better than my previous setup with Google Voice XMPP and Obihai.
Save my capital or pour it on the student loans?
Added on : Tuesday May 06th 2014 04:00:12 PM
g: 1 Posted By: jdude
Views: 113 Replies: 2 jdude back here. Four years ago I pondered how to approach my $285,000 student loans upon graduation.http://www.fullofdeals.com/forums/finance/996270/

Fast forward to today. At age 31 I've made it through a very painful tax season learning the importance of saving investment money within a corporation rather than personally. I'd been saving to find some investments to help pay down the loans for me. Turns out the real estate market where I live is somewhat overpriced and those opportunities haven't materialized. After paying a massive chunk to taxes I'm feeling demoralized on the saving money thing and looking to start aggressively paying down the student loans. For the first couple years out of school my work situation was pretty unstable and I wasn't able to do more than pay the interest on the loans. In the last year I've managed to begin making headway and as of today I still owe $240,374. I'm thinking of dropping my remaining $50k on this then upping my monthly payments to $5,000. This will not leave me much of anything to put towards retirement and I'll continue my FWF existence like a pauper. However I'm just having a hard time finding a stable investment that can beat the 6.3% tax free return of paying down my worst marginal loans.

I expect to earn about $136k and pay about $47k in taxes this year. I have between $5,000-10,000 in annual professional expenses so if I start paying $60k to the loan I'll be living pretty lean for a while.

My alternatives include buying real estate outside my immediate area, funding a tax-deferred retirement account, capitalizing a personal investment corporation and/or acting as a seed investor in a small start-up I've got my eye on.

So what do you say? Go super conservative and pay this sucker down or stick to the original plan and try to get some investment income going?
Personal Finance Deals
g: 2 Posted By: st4rdust
Views: 154 Replies: 1 Staples has the Microsoft Natural Ergonomic Keyboard(4000) for $24.99. Shipping is free for Staples Rewards members (free to join here). You can also choose to get this shipped to a Staples location near you.

Alternatively, this is available for the same price from Amazon here.Free shipping with Prime or Free Super Saver Shipping on orders of $35 or more.

3.9/5 stars based on 2,662 customer reviews from the Amazon product page. 4.3/5 stars based on 621 reviews on the Staples product page.

Ergonomic keyboard design promotes a natural hand, wrist, and forearm position for greater comfort
Split design
Cushioned palm rest
Improved number pad
5 customizable hotkeys
3 year limited warranty

Keyboard & Mouse Deals

Staples Coupons
g: 0 Posted By: ArtieLange
Views: 162 Replies: 0 Case Logic 15" Reflexion Mobile Attache ANTHRACITE Model RUL-115 $14.99 shipped W/Code EMCPEPW65 Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16834977483&...


Building upon the effortlessly cool Reflexion photo line comes a weekday alternative for laptop-toting urbanites
The compartments for a laptop up to 15" and a tablet up to 10.1" with space to store.

Computers Deals

Newegg Coupons
Volcom Alt Jacket $139.95 FS @ usoutdoor
Added on : Monday May 05th 2014 10:00:34 AM
g: 0 Posted By: tedhawkins
Views: 104 Replies: 0 Volcom Alt Jacket $139.95 FS @ usoutdoor

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

There is an alternative to inferior outerwear, and the Volcom Alt Jacket is here to prove it. Loaded up with all sorts of V-Science technology, this piece oozes performance to the tune of magical waterproofing and delightful breathability. A Drop Tail Fit gives you some bonus coverage so your seat doesnt get soaked every time you plop down on a soggy chairlift. Between the lycra hand gaitors, adjustable hood, powder skirt and hem cinch, you are able to seal out all stray snow for the most comfortable experience you have ever encountered in a blizzard. Delivering the goods when it matters, the Volcom Alt Jacket never fails to get the job done.
Features of the Volcom Alt Jacket

Fabrics/Materials: V-Science Washed Canvas
Breathability Rating: 10,000g
Windproof: Yes
Type of Waterproofing: V-Science 2-layer
Waterproof Rating: 10,000mm
Back Length: Center Back Length: 27
Pockets: Hand pockets, pass pocket, goggle pocket, media pocket, stash pocket
Fit: Standard
Hood: 2-Way Adjustable Hood
Cuffs: V-Science 2-way Cuff System
Gusseted: Mesh Gussets
Vents: Underarm vents
Powder Skirt: Yes, non-removable
Wrist gaitors: Lycra Hand Gaitors


Clothing Deals
g: 0 Posted By: ctgolfer
Views: 128 Replies: 0 The Craftsman 1/4 Sheet Pad Sander gives you fast and thorough sanding
You get smooth operation with extended service ball bearings
The 8 foot cord gives you freedom of motion on large sanding jobs-you move the sander, instead of the project
The sealed slide switch is conveniently located for total control
The palm grip handle is designed for comfort and efficiency
Sander also comes with a removable dust bag for easy dust management
Alternatively, easily connect to a 1-1/4 inch vacuum hose and never deal with dust
Craftsman pad sander comes with dust bag, sanding sheets, hole punch and hole punch for applying pads

www.sears.com/shc/s/p_10153_12605_00911177000P
Tools Deals

Sears Coupons
g: 0 Posted By: st4rdust
Views: 171 Replies: 0 qualitycellz (via eBay) has the Toshiba 8GB microSDHC Card with SDHC and USB adapters(SD-C08G2T2TRT)for $5.99 with free shipping. Alternatively, you can buy 3 for a 10% discount and a total of $16.17.

8GB Capacity
USB 2.0 Flash Drive Adapter included
SDHC adapter included
Limited warranty through Toshiba (can't find specific information on the product page regarding this, only that it exists)

SD & SDHC Deals

eBay Coupons
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 shipping adds $5

Instantly switch from blowing to vacuuming in seconds with no tube changes
2-stage mulching system with shredder blade and all-metal impeller
Angled nose for easier access under decks and shrubs
Includes mulching collection bag with strap
High impact resistant metal impeller mulches at 18:1 ratio
Blow away debris at 210 mph, vacuum dry leaves at up to 14 gallons per minute
Powerful 12 amp electric motor; efficient alternative to gasoline-powered tools

http://tools.woot.com/offers/worx-trivac-metal-impeller-w-2pc-tu...
Daily Deals

woot! Coupons
Pacific Image 3600dpi film scanner $149.99 ($50 off) at Costco.com
Added on : Saturday May 03rd 2014 06:00:04 PM
g: -1 Posted By: TeeSemmel
Views: 154 Replies: 0 Besides that somewhat litch wolverine film scanner that's on sale in the upcoming coupon book Costco.com also has the Pacific Image CS3600 for $149.99 after $50 off (Valid 05/1/14 Through 5/31/14)
If you don't need the additional formats this might be a somewhat more solid alternative. It's awfully slow though.
Either one is not a professional quality scanner, but the Pacific Image is good for just getting some browsable set of your slides onto the computer or web.
Electronics Deals
Popmoney requiring 3 forms of ID to verify my identity?
Added on : Thursday May 01st 2014 11:00:06 AM
g: 0 Posted By: k0k0p0p
Views: 62 Replies: 0 I just got an email from Popmoney requiring me to send them a copy of my DL, a check stub, and a bill that verifies my address.I've used them for 2 years with no problems.There is no number to call Popmoney toverify or complain, soI called the bank that my friends use to verify if this was legit, and they said that they only offer this service from a 3rd party, so they have no part in their practices.
My Credit Union is about to get Popmoney, and I have vowed not to use thembecause it seems so scammy now.
Any recommendations alternatives to mailing checks?
Question Deals
Borderlands 2 (PS3) - $9.99 + P/U @ Best Buy
Added on : Monday April 28th 2014 07:00:02 PM
g: 0 Posted By: st4rdust
Views: 112 Replies: 1 Best Buy has Borderlands 2(PS3) for $9.99 with free in-store pickup. Alternatively, shipping is $1.99.


PS3 Deals

Best Buy Coupons
g: 0 Posted By: linrick
Views: 226 Replies: 1 everyone is selling this same set for $99+.

i found this at mansfield texas location for $65.80 (YMMV on locations & availability.) i used code 47000RRRRR0659R (thanks to post from herefor $10 off $50.)

2-3/8-in White Door Jamb Armor Set

the only patented solution that protects the jamb, door and hinges to protect your home and help eliminate kick-in damage
Inexpensive, attractive and effective alternative to "security doors" and screens- pieces are barely visible once installed and can be painted to match your door color
Does not require removal, replacement or alteration of the door or jamb- no routing, chiseling or cutting is necessary
Can be installed in under an hour by the average do-it-yourselfer
Warranty: 200 towards homeowners insurance deductible if product fails

very impressive video here

linkymoo
Home & Garden Deals

Lowe's Coupons
Pledged Asset Loan, Margin financing, mortgage
Added on : Sunday April 27th 2014 12:00:07 PM
g: 0 Posted By: ronb1
Views: 28 Replies: 0 I've seen some older threads on some of these issues but figured it was worth checking out what people's latest thinking might be for some of this.

Basic scenario is I'm considering either a major home renovation (i.e. teardown and rebuild) or a new purchase. For the sake of simplicity, let's just say that either scenario will cost me $1million.

I'm considering some alternatives to traditional mortgage for a few reasons:

1) Ihave a short sale on my credit history, which makes current mortgages harder to acquire and the rates higher.
2)I've got several million in securities that I can leverage if it makes sense.
3) Many of those securities would be subject to significant capital gains if I were to sell them, so I'd rather leverage the money instead of pay cash and take the tax hit.

Given these parameters, I'm considering a couple of options - Either a Pledged Asset Loan from Schwab, or else just borrowing on margin against my securities. Pledged Asset Loan (PAL) from schwab has a reasonably attractive rate for a $1M loan - 2.4% - but if I'm looking at just borrowing on margin against my securities at interactivebrokers.com (assuming I transfer assets over there) it would be at an even more enticing rate of 1.15% (https://www.interactivebrokers.com/en/index.php?f=interest&p=sch...

I'm aware that major market downturn could force a margin call but unless it's incredibly drastic I can probably cover it. PAL rates are tied to LIBOR so they could go up over time but it's reasonable to assume that I could refinance to a more traditional loan if I needed to, particularly once my credit score improves in another year or two.

Anybody have thoughts about which of the two scenarios make more sense? Or if I'm totally smokin' crack about doing this sort of stuff?

thanks!
New User Question Deals
g: 0 Posted By: st4rdust
Views: 133 Replies: 0 Virgin Mobile has the Samsung Galaxy Reverb No-Contract 3G Smartphone(Virgin Mobile) for $49.99 with free shipping.

Note:You may have to manually search the website for the Reverb. Alternatively, you can copy/paste this link:

http://www.virginmobileusa.com/shop/cell-phones/samsung-galaxy-reverb-phone/features/?

3.6/5 stars based on 483 reviews found on the product page.

3.5/5 stars based on 171 customer reviews herefrom Amazon.

3G Network
Android 4.0 (Ice Cream Sandwich) OS
1.4GHz Processor
4.0" Display
5MP Camera
Expandable memory up to 64GB

Cell Phones Deals

Virgin Mobile Coupons
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.
Books & Magazines Deals
Individual health insurance market is closed
Added on : Thursday April 24th 2014 10:00:10 AM
g: 1 Posted By: yzj
Views: 145 Replies: 0 Just a heads up: As a consequence of the Affordable Care Act, you can no longer just buy an individual health insurance plan . It doesn't matter how healthy you are, or how much money you can pay. The market for individual health insurance has effectively been shut down until the next open enrollment period in November (barring a qualifying life event). The reason is simple: health insurance companies can no longer reject applicants with pre-existing conditions under the ACA, so they would have to be suicidal to accept new applicants before the next open enrollment period, since the majority of them would be people with medical conditions needing immediate care. Many young healthy individuals may have made a financial decision to skip buying health insurance, but if they change their mind they had better get married or move to another state, qualifying events that would allow them to purchase insurance before November. Otherwise they are now locked out of the marketplace and might want to look at short term insurance or medical discount plans as alternatives.

http://www.foxnews.com/politics/2014/04/09/latest-obamacare-surp...


General Economics Deals
Get Up to 30% Off GreenWorks G-MAX 40-Volt Mowers @ Amazon
Added on : Wednesday April 23rd 2014 09:00:04 PM
g: 0 Posted By: ctgolfer
Views: 56 Replies: 0 The lawn mowers include a 40-volt lithium-ion battery compatible with all GreenWorks G-MAX outdoor power tools. With up to 70 minutes of runtime, G-MAX lawn mowers are a great alternative to gas-powered mowers.


GreenWorks 25322 G-MAX 16-Inch Mower, G-MAX 40V 4 AH Li-Ion Battery and Charger Inc.GreenWorks 25312 G-MAX 19-Inch Mower, (2) G-MAX 40V 4 AH Li-Ion Battery and Charger Inc.Greenworks 25302 Twin Force G-MAX 40-volt Lithium-Ion Cordless Mower, 20-Inch
GreenWorks 25322 G-MAX 16-Inch Mower, G-MAX 40V 4 AH Li-Ion Battery and Charger Inc.
4.3 out of 5 stars (137)
List Price:$299.00
Price:$215.99
You Save:$83.01 (28%)
3 used & new from $215.99
In Stock
GreenWorks 25312 G-MAX 19-Inch Mower, (2) G-MAX 40V 4 AH Li-Ion Battery and Charger Inc.
4.3 out of 5 stars (137)
List Price:$449.00
Price:$309.22
You Save:$139.78 (31%)
6 used & new from $309.22
In Stock
Greenworks 25302 Twin Force G-MAX 40-volt Lithium-Ion Cordless Mower, 20-Inch
4.3 out of 5 stars (137)
List Price:$399.00
Price:$287.99
You Save:$111.01 (28%)
2 used & new from $287.99
In Stock

www.amazon.com/b/ref=gbsl_tit_l-1_0942_a580c285?ie=UTF8&node=899...
Greenworks Deals

Amazon Coupons
g: -2 Posted By: drobis
Views: 150 Replies: 1 http://www.sears.com/craftsman-premium-tune-up-kit-for-lawn-mowe...

Regular price $24.99


Description Item # 07133375000P Model # 33375
The Craftsman Premium Tune Up Kit for Lawn Mowers with Eager-1 or most Tecumseh engines is an upgraded alternative that delivers enhanced performance for the do it yourselfer that conducts periodic engine maintenance. Features 18 oz. synthetic blend oil for longer intervals between oil changes and provides improved engine lubrication. E3.10 spark plug for increased power, better fuel economy and reduced carbon deposits in the engine. Also includes 2.5 oz. fuel stabilizer and replacement air filter.

Click here for online brochure
Upgraded tune up kit that provides enhanced engine performance
Features 18 oz. synthetic blend oil for improved engine lubrication
E3.10 spark plug for increased power, better fuel economy and reduced carbon deposits in engine
Also includes 2.5 oz. fuel stabilizer and replacement air filter
Tools & Automotive Deals

Sears Coupons
g: 0 Posted By: acrochriscb
Views: 233 Replies: 1 Dell Inspiron 15 7000 Series (7537) 4th Generation Haswell Core i5 15.6" LED Touch Laptop- $599.99 w/ coupon code HR6QWFWJK8DMV1 [Exp 4/25] + free shipping at Dell.3.6/5 stars based on 105 customer reviews.

15.6" LED Touch
1366 x 768 Display
3M Cache, up to 2.6 GHz
6GB Memory
750GB HDD
Intel HD Graphics 4400
Aluminum chassis less than 1" thick
Gorilla Glass touch display
Backlit keyboard
Windows 8


*The Inspiron 7000 series is the 2013 replacement of the old premium Inspiron Z line*

Note: You can get 10% back in store credit with a DellAdvantage membership (free to join) and when you pay using a DellPreferred Account (credit).

Got this from JSkins post (from expired thread) and noticed the coupon code he posted was off by 1 character. I tested the coupon code above and it works. I included a screen shot as proof.

Now, to make this an even hotter deal, I was thinking you could put it on your American Express Card to get an addt'l $100 statement credit.

Through July 21st, American Expressis offering cardholders a one-time $100 statement credit on purchases of $599 or more made at Dell.com

Log in to your American Express online account and click on "Offers For You," then click "Save Offer" to activate it. Some cardholders may not receive all offers (YMMV).

Alternatively, you can syncyour eligible AmEx card with Twitter and send a short Twitter message with #AmexDell.
Laptops Deals

Dell Consumer Coupons
g: 0 Posted By: gardenstate
Views: 139 Replies: 0 http://sharewareonsale.com/s/ashampoo-burning-studio-freebie-sale
I use this as an alternative to the Nero "package" for burning CDs through Bluray discs. It works quite well for my needs and is highly rated.

NOTE: Ashampoo loves to send you discount deals on their other software!
...................................................................................................................
Product DescriptionAshampoo Burning Studio 2014 offers you everything you need to burn movies, music and data fast and effectively.The software with the intuitive user interface focuses on the core competencies of burning software and offers you compact functions to tackle all tasks relating to your burning projects easily create data discs, burn backups, rip music, create audio CDs or burn already existing film files on Blu-ray Disc and lots more.With Ashampoo Burning Studio 2014 you can also burn HD- and Full HD discs (720p und 1080p), if already existing files have been saved in prepared folders.Audio CDs can also be ripped effectively and comfortably with this software.The integrated audio player enables you to play audio files and CDs directly, so you dont need to open another audio player to listen to music titles.A new video or music disc certainly asks for a matching cover. Ashampoo Burning Studio 2014 offers everything for this task, too. In a jiffy you can design and print covers, labels and booklets in different formats.MAIN BENEFITS

Burn data on CDs, DVDs or Blu-ray discs
Update previously burned discs
Backup important data on one or more CDs, DVDs or Blu-ray discs
Rip music titles of different music formats from CD
Burn music as audio CD, mp3 or wma collections
Burn Blu-ray Discs with videos in HD and Full HD format from already existing files
Copy CDs, DVDs and Blu-ray Discs
Create and burn disc images
Erase rewritable discs
Create modified copies of already existing discs
Design and print covers, labels and booklets


Read more at http://sharewareonsale.com/s/ashampoo-burning-studio-freebie-sale#c2QsyImpi7JKqBMO.99

sharewareonsale Deals
g: 1 Posted By: ctgolfer
Views: 192 Replies: 1 Elevate your guitar-playing skills with the proven Rocksmith methods, whether you're a beginner touching a guitar for the first time or a seasoned player mastering your sound
Enjoy newly redesigned menus and in-game interfaces that boast clear, smooth and blazing-fast operation for a re-imagined experience that makes it easy to play along and receive feedback on your performance as you go
Learn to play more than 50 hits, from alternative rock to heavy metal to classic rock and more, step by step and note for note with handy tutorials Rocksmith 2014 is also backward compatible with songs from the original Rocksmith
Select your section, difficulty and speed on-the-fly with the fully customizable Riff Repeater or learn by memory with the approachable methods in Master mode
Hone your skills and have some fun with more than 10 new and improved Guitarcade mini games
Jam with your bandmates in Session mode that allows you to choose your own combination of instruments to follow your lead, then provides on-screen prompts and objectives to motivate learning and improvement
Compatible with the original Rocksmith Real Tone Cable, which allows you to plug any real guitar with a standard 1/4" output jack directly into your console (Real Tone Cable included)
*Guitar not included

Playstation 3
www.bestbuy.com/site/rocksmith-2014-edition-playstation-3/963531...

Xbox 360
www.bestbuy.com/site/rocksmith-2014-edition-xbox-360/9635302.p?i...
PS3 Games Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 167 Replies: 0 Charges the iPhone 6 times and large-capacity phones like the Galaxy S4 almost 4 times with the industry's highest combined charge output of 4A among three charging ports. One Smart Port (5V / 2.4A max) offers truly maximum speed charges to ANY device, including the iPad or even the Samsung Galaxy Tab. 2 additional ports charge Android smartphones at full speed.

High energy efficiency rate, 10% above previous generation Astros and many current standard alternatives, gives you up to an extra full charge for your smartphone. Sturdy construction and matte finish withstands bumps and drops. Grade A cells and premium chips ensure reliability.

A "shake" starts a charge or displays the remaining power level. The ultra-low power consumption (100, 000 shakes consumes less than 1%) Smart LED display, designed with 10 LEDs, balances accuracy and aesthetics.

Input: 5V / 1.5A; Use a 1.5A adapter (not included) with the included USB cable for fastest charging time (9 hours).

Package contents: Anker 2nd Generation Astro3 External Battery, Micro USB cable, travel pouch, instruction manual.

www.newegg.com/Product/Product.aspx?Item=N82E16875968007
Batteries & Chargers Deals

Newegg Coupons
Angel Investment
Added on : Friday April 18th 2014 11:00:08 AM
g: 0 Posted By: bobaldie
Views: 66 Replies: 0 Just came to be aware ofhttps://angel.co/syndicates while i was looking for alternative investments to real estate, which i am familiar with.
I am sure some of you have experience with it and have some advise. Appreciate any suggestions you have if i want to look in to this vehicle for investment.

-B

Discussion Deals
canon A1200 Refurb $38.99 with free 8gb SD Card plus ship and tax
Added on : Thursday April 17th 2014 11:00:03 AM
g: 0 Posted By: cerich
Views: 202 Replies: 1 http://shop.usa.canon.com/shop/en/catalog/powershot-a1200-silver...Shoot Your Way with this Easy, Affordable New Camera.

Sleekly redesigned in classic Black or Silver, the new PowerShot A1200 digital camera is all about capturing your memories your way. An Optical Viewfinder gives you an easy, familiar alternative to composing shots with an LCD screen. Smart AUTO takes care of all the details while you focus on getting the shot you want, by intelligently selecting the proper settings for the camera based on 32 predefined shooting situations. And now you can preserve your memories exactly the way you see them in incredibly true-to-life 720p HD. With 12.0 Megapixels, you'll be able to blow up your shots without losing a single detail, and the 4x Wide-Angle (28mm) Optical Zoom gets you close to the action quickly. The camera uses AA batteries, so you'll have power anytime, anywhere. New Discreet Mode lets you shoot where you never could before, by disabling sound, flash and AF beam. Looking to put a little artistry in your photography? New Creative Filters mode makes it easy with appealing options like Fisheye Effect, Miniature Effect, Monochrome and more.FeaturesIt's Your Choice: LCD or Optical Viewfinder.
The PowerShot A1200 digital camera gives you a choice that's getting increasingly hard to find on digital cameras today. It's equipped with an Optical Viewfinder in addition to the LCD screen. Many photographers prefer this classic, familiar option that lets you simply hold the camera to your eye and shoot.

The camera's big, bright LCD screen gives you a wealth of important information about the shot. However, using it to compose and focus requires that you hold the camera away from your body. Many people do this with one hand, arms away from the body, effectively creating camera shake that can distort a shot. Using the Optical Viewfinder helps ensure that the camera is held steady. The great thing is that from shot to shot, whether you use the Optical Viewfinder or LCD screen is your choice.

Everything's Easy.
Just set the Canon PowerShot A1200 digital camera to Smart AUTO and you're ready for maximum enjoyment from your picture-taking every time. It's a relaxing and satisfying way to shoot because you can completely concentrate on your subject knowing that the camera has the technical details covered. Advanced Canon technology intelligently analyzes your situation and shooting conditions. Then it automatically selects an appropriate setting from 32 specially defined settings.

In Still Images or 720p HD Video, Every Detail is Beautifully Preserved.
PowerShot A1200 digital camera puts you in charge when it comes to saving your memories. Canon technology lets you capture beautiful still images no matter what your level of photographic experience. Portraits of people posing or in motion, outdoor shots in various weather situations, nighttime shooting and more: the camera handles them all with ease when you shoot in Smart AUTO. High megapixel counts let you blow up and crop your still images just as you please, with no loss in resolution or quality.

Want to capture the good times in motion? Canon's 720p HD video gives your memories the quality they deserve. If you've never shot video in high definition before, you'll be amazed at the difference it makes. 720p HD delivers stunning realism, capturing every detail with a level of clarity that, in playback, will bring you right back into the moment. Easy high definition videos from a compact still camera - now that's value!

See the Image on a Big Screen.
The PowerShot A1200 digital camera has a large 2.7-inch LCD screen that gives you the big picture, whether you're shooting, reviewing or showing off your images. This high-resolution screen offers a crisp, clear and bright picture. It also features Night Display for easy viewing in low light.

Photographic Artistry That's Easy for Anyone.
Fisheye Effect imparts a fun, familiar curvilinear distortion to your image that's ideal for kids and pets. Miniature Effect plays with perspective, giving any shot the look of a world created in much smaller proportions - great for landscapes and city shots. When you shoot in Toy Camera Effect, you get the vintage effect of a first-generation camera, ideal for giving portraits a slightly distorted, unevenly saturated look of a picture you'd come across in your attic. Monochrome lends a moody beauty to your photography, producing shots in Black & White, Sepia or Blue. Super Vivid saturates colors to heighten the intensity and impact of any shot. Poster Effect takes away transitions between objects in the frame to give your image the high-impact look of a hand-painted poster.

CANON iMAGE GATEWAY Qualified
An online resource offering digital imaging education and photo and video sharing capabilities exclusively for registered owners of qualified Canon products. Members can read up on topics related to their products, how-to articles, and more.
PowerShot A1200 IS Kit Refurbished Contents

PowerShot A1200 Body Refurbished
2 AA batteries
Wrist Strap WS-800
USB Interface Cable IFC-400PCU
Digital Camera Solution CD-ROM



Cameras Deals

Canon Coupons
g: 1 Posted By: remick
Views: 115 Replies: 0 http://www.amazon.com/Intel-Coprocessor-Architecture-Tools-ebook...

Intel Xeon Phi Coprocessor Architecture and Tools: The Guide for Application Developers provides developers a comprehensive introduction and in-depth look at the Intel Xeon Phi coprocessor architecture and the corresponding parallel data structure tools and algorithms used in the various technical computing applications for which it is suitable. It also examines the source code-level optimizations that can be performed to exploit the powerful features of the processor.

Xeon Phi is at the heart of worlds fastest commercial supercomputer, which thanks to the massively parallel computing capabilities of Intel Xeon Phi processors coupled with Xeon Phi coprocessors attained 33.86 teraflops of benchmark performance in 2013. Extracting such stellar performance in real-world applications requires a sophisticated understanding of the complex interaction among hardware components, Xeon Phi cores, and the applications running on them.

In this book, Rezaur Rahman, an Intel leader in the development of the Xeon Phi coprocessor and the optimization of its applications, presents and details all the features of Xeon Phi core design that are relevant to the practice of application developers, such as its vector units, hardware multithreading, cache hierarchy, and host-to-coprocessor communication channels. Building on this foundation, he shows developers how to solve real-world technical computing problems by selecting, deploying, and optimizing the available algorithms and data structure alternatives matching Xeon Phis hardware characteristics. From Rahmans practical descriptions and extensive code examples, the reader will gain a working knowledge of the Xeon Phi vector instruction set and the Xeon Phi microarchitecture whereby cores execute 512-bit instruction streams in parallel.

What youll learn

How to calculate theoretical Gigaflops and bandwidth numbers on the hardware and measure them through code segment
How to estimate latencies in fetching data from different cache hierarchies, including memory subsystems
How to measure PCIe bus bandwidth between the host and coprocessor
How to exploit power management and reliability features built into the hardware
How to select and manipulate the best tools to tune particular Xeon Phi applications
Algorithms and data structures for optimizing Xeon Phi performance
Case studies of real-world Xeon Phi technical computing applications in molecular dynamics and financial simulations

Who this book is for
This book is for developers wishing to design and develop technical computing applications to achieve the highest performance available in the Intel Xeon Phi coprocessor hardware. It provides a solid base on the coprocessor architecture, as well as algorithm and data structure case studies for Xeon Phi coprocessor. The book may also be of interest to students and practitioners in computer engineering as a case study for massively parallel core microarchitecture of modern day processors.
Books Deals

Amazon Coupons
.thebodyshop-usa.comToday Only FREE SHIPPING with any purchase
Added on : Monday April 14th 2014 05:00:02 PM
g: 0 Posted By: DaysFan
Views: 309 Replies: 0 Today Only FREE SHIPPING with any purchase

http://www.thebodyshop-usa.comFree Shipping With Any Purchase+The "Free Shipping With Any Purchase" offer entitles online customers to free Ground shipping on any order on April 14, 2014. Simply select "Ground" when choosing your shipping option during checkout. Delivery time is up to 7 business days from order date. Ground shipping available in the continental U.S. only, and excludes Alaska and Hawaii.

Buy 3, Get 3 FREE or Buy 2, Get 2 FREE+The Buy 3, Get 3 FREE or Buy 2, Get 2 FREE offer (the Offer) entitles customers to the following with respect to certain products specified herein: (a) buy two products and receive two products for equal or lesser value for free; and (b) buy three products and receive three products for equal or lesser value for free. Offer valid April 1114, 2014 online at www.thebodyshop-usa.com. Offer excludes select 250ml Body Lotions, pre-packaged gift sets, kits, sale items, Online Outlet items, charitable items, and purchases of LOVE YOUR BODY membership cards and gift cards. Discount is taken on lowest-priced items. Free items must be returned with the products with which they were purchased in order for an exchange or refund to be processed. Free items are non-returnable and non-refundable by themselves. Returned items will be refunded at the discounted price. Offer not valid in combination with other discounts, coupons or offers, including in-store offers, with the exception of the LOVE YOUR BODY membership discount. Not applicable to prior purchases. Offer subject to change without notice. While supplies last. The Body Shop reserves the right to cancel any order due to unauthorized, altered, or ineligible use of discount and to modify or cancel these promotions due to system error or unforeseen problems.
50% Off Body Lotions+The "50% Off Body Lotions" Offer (the "Offer") entitles customers to any regularly-priced, core-ingredient 8.4 oz Body Lotion for 50% off the regular price (core ingredients only). Offer valid March 30April 27, 2014 at participating The Body Shop stores and online at www.thebodyshop-usa.com. Offer includes 8.4 oz Blueberry, Chocomania, Cocoa Butter, Coconut Milk, Mango Whip, Pink Grapefruit Puree, Satsuma Puree, Shea Whip, Strawberry Puree and Vineyard Peach Body Lotion. Offer excludes 8.4 oz Raspberry Body Lotion. The Offer cannot be combined with any other offers, discounts or coupons, with the exception of the LOVE YOUR BODY membership discounts. Offer excludes Outlet items, charitable items, gift cards, LOVE YOUR BODY membership cards and pre-boxed gift sets. Returned items will be refunded at the discounted price. Offer is not applicable to prior purchases. Offer subject to change without notice. While supplies last. The Body Shop reserves the right to cancel any order due to unauthorized, altered, or ineligible use of discount and to modify or cancel these promotions due to system error or unforeseen problems.
Outlet Up to 70% Off+The Outlet Discount on items included within the "Outlet" category ("Offer") is available online only at www.thebodyshop-usa.com. Offer applies ONLY to items in this category and does not apply to any alternative products. Offer not valid in conjunction with any other offer, discount, coupon or promotion except for the 10% Love Your Body membership discount. The Body Shop reserves the right to cancel any order due to unauthorized, altered, or ineligible use of discount and to modify or cancel these promotions due to system error or unforeseen problems.
The Body Shop #FLAUNTYOURFLAVOR Sweepstakes


Hair & Skincare Deals

The Body Shop Coupons
NameSilo.com Coupons: ALL NAMESILO COUPONS AND PROMO CODES
Added on : Sunday April 13th 2014 02:00:02 PM
g: 1 Posted By: donrull
Views: 230 Replies: 1 NameSilo is a great, cheap, domain name registrar. Their prices eat nearly everyone and their ratings and reviews are excellent. I found them as an alternative to GoDaddy when my renewal came up and there were no coupon codes to apply to my order. Please post new codes below as well as updates with your experience using them. Now to get started...

Codes and current status (don't forget to check most recent comments below)
buckoff - $1 off, still active 4/13/14
byedaddynowsilo - not sure of the amount, but still active 4/13/14
trynamesilo - expired as of 4/13/14
NS1 - $7.99 domain names
Services Deals
g: 0 Posted By: tedhawkins
Views: 166 Replies: 0 18 x 12 x 1" Bamboo Carving Board with Groove $16,.91 + $5.99 S/H @ cutleryandmore

http://www.cutleryandmore.com/

Constructed of durable bamboo; reversible cutting board
Cutting board features juice well; ideal to use when carving meats, or foods that tend to have more juice or liquid
Knife friendly, will not dull knife blades
Bamboo is 16% harder than Maple Wood
Wash with warm water and mild soap
Season bamboo board when dry or as needed with a food grade mineral oil (sold separately)

Bamboo is actually a grass that grows to a harvest height between 3-5 years. Some species grow up to 2 feet per day. After harvesting, bamboo does not require replanting. Bamboo has an extensive root system that continually sends up new shoots, naturally replenishing itself, making it one of the most renewable resources known. Bamboo is 16% harder than Maple Wood, 1/3 lighter in weight than oak, yet in some instances as strong as steel. Bamboo holds the promise of a sustainable, cost effective, and ecologically responsible alternative to the widespread clear cutting of our old growth forests.
Home & Garden Deals
g: 1 Posted By: SieSilverStars
Views: 604 Replies: 1 The T-Fal Signature 12-pc. Hard Anodized Oven Safe Durable Nonstick Thermo-Spot Heat Indicator Cookeware Set is on sale at Kmart for $55.00 with free in-store pickup.

Linky

Use $5.00 coupon code "KMART5OF50" during checkout to receive the discounted price.

If you don't wish to have in-store pickup, alternatively shipping is free with orders over $59.00

Home & Garden Deals

Kmart.com Coupons
g: 0 Posted By: robronson
Views: 100 Replies: 0 I am self employed as a consultant. I fly to various states throughout the year, some of which, like California, have high state income tax. I'm toying with the idea of creating a series of entities for my consulting to maximize profit by minimizing state income tax burden. I don't have a solid plan, just some ideas to hash out and hear thoughts on.

The general idea would be to use a different entity for clients in different states. For example, suppose I make $20k from California and $180k combined from various other states. I could do consulting in California as a Sole Prop and do the business in other states through an S-Corp. That would let me specify that my $17.5k Individual 401k Employee contribution could come from the California income, reducing the state tax burden.

The alternative would be doing all consulting under a single entity (whether it be sole prop or S-corp or whatever), and the $17.5k 401k contribution gets equally deducted (allocated) from all income. It doesn't make sense to deduct the contribution from income derived from states with zero or low state income tax if I can specify that it came from California income. The only way I can think to do that would be separate entities.

I'm also looking at the possibility of S-Corp with me being a W2 for some of my income because California, and perhaps other states, appear to count W2 income earned differently. For example, as a non-resident of California, if I earn $20k in Cali and $180k externally, if I can segregate the $20k of Cali income, perhaps through a sole prop from the $180k which perhaps goes through an S-Corp that pays me as a W2, then I can more easily show my W2 income was derived entirely from non-California sources and if I can count my 401k contribution to the sole prop income, I can really get my Cali income low. I'm using Cali as an example of my idea and hoping it could be used in other ways.

Another idea is to S-Corp and make me a W2 for partial parts of the year (I have flexibility in my consulting gigs so I can structure each one however I want). Being a W2 might afford me some possible tax benefits such as contributing $3250 to my HSA, from the S-Corp itself, to avoid SE Taxes, as opposed to contributing to my HSA as a sole prop where there's no SE tax deduction. I wouldn't necessarily want to be a W2 through my own S-Corp for the whole year due to overhead costs of payroll, but I could potentially do it for one month, contribute the full annual HSA amount, and then be sole prop for the other 11 months.

I've also heard if I'm an S-Corp I can pay for non-reimbursable medical expenses on a pre-(SE)-tax basis. With high deductible insurance, little is covered, so maybe I could drive my annual $1k or $2k of out-of-pocket expenses to come from my S-corp and save more taxes. Not sure how this works exactly, I only read someone allude to it in another thread.

Finally, as an S-Corp, I should be able to save on SE-Taxes because right now I earn $200k as a sole prop but there's consulting firms who do the same work as me who offered me $120k as a W2 (plus benefits). I think I could take that offer letter for $120k and make a justification to the IRS that if my S-Corp earns $200k, I only have to pass $120k down to myself, pay SE Taxes on $120k, and pass through the other $80k as dividends. However, since the "FICA cap" is around $120k, maybe that won't really do anything to save taxes.

My biggest concern with this is the possible need to register as a foreign corporation in each state I do business as an S-Corp. As a sole prop, I'm free to go wherever and do consulting work. As an S-Corp, I probably have to drop up to a few hundred dollars to register my S-Corp as a foreign entity in each state I work.

Not sure if there's any benefit to having one or more of the S-Corps used this way to be taxed as a C-corp, perhaps to keep AGI down for things like Student Loan income-based repayment or to push AGI down below a threshold for a phase out. Obviously you will be double taxed on the money, but you can defer that second tax until much later, keeping your AGI down right now, which might be useful.

There may be a possibility to bypass the equal quarterly tax withholding payment rule by becoming an S-Corp as a W2 for the last few months of the year. You could maybe pay $0 in quarterly estimated payments and then as a W2 in November/December, you could withhold your entire W2 paycheck to taxes. Since W2 income tax doesn't need to be withheld equally throughout the year. Not sure if this would work or if the penalty would still apply but I have heard of married couples where the husband is self-employed, pays nothing in quarterly tax payments and the wife modifies her W4 to withhold her entire paycheck to taxes the last 2 or 3 months of the year. That might work as a single person if you can make yourself a W2 the last few months of the year.
Personal Finance Deals
g: 0 Posted By: SieSilverStars
Views: 2 Replies: 0 The T-Fal Signature 12-pc. Hard Anodized Oven Safe Durable Nonstick Thermo-Spot Heat Indicator Cookeware Set is on sale at Kmart for $55.00 with free in-store pickup.

Linky

Use $5.00 coupon code "KMART5OF50" during checkout to receive the discounted price.

If you don't wish to have in-store pickup, alternatively shipping is free with orders over $59.00


This is also available at Sears for $60.00 + $10.60 in Shop Your Way Rewards Points (it's free to join, here, if you're not already a member).

Linky

Click here and login to find $10.00 back in points with $50 purchase (should be 1st row)
Once you locate coupon, click "Load to my Account" then, "See Details" and copy your unique promo code shows to add to cart in step 4.
Proceed to checkout and add your copied unique coupon code from step 2. Total should be $60.00 + $10.60 in Rewards Points w/ free in-store pickup



Note, if you have not used this coupon page before you may have to follow these additional steps:

Add your Shop Your Way Rewards number on the coupon page (orange button, top right) to sync your coupon page (number may be found when you log into your profile under "Personal Info"
You may have to request your Member # if you do not have it handy by choosing "Send me my Membership Number"
Go back to coupon page, enter Membership # and complete the steps to get to coupon page.


PNY Optima 240GB Solid State Drive, $89.99 AR @ Newegg.com FS
Added on : Monday April 07th 2014 05:00:03 PM
g: 1 Posted By: wmnetid
Views: 242 Replies: 0 As an alternative to TD, Newegg is also offering the PNY Optima 240GB SSD for $89.99 ARLink

$109.99 - $20 rebate (expires 4-11-14) = $89.99 with Free Super Eggsaver shipping. Also qualifies for Shoprunner free 2-day shipping.

Ironically, this was NE Shell Shocker on 4/3 for $99.99 AR



SSD Deals

Newegg Coupons
Free app for android - Mizuu (media center application) was $2.99
Added on : Monday April 07th 2014 11:00:16 AM
g: 0 Posted By: remick
Views: 247 Replies: 1 http://mizuu.tv/reddit-giveaway/

4.7 stars out of 5 -528 reviews on Google Play - see below but use the above link to get it for free
https://play.google.com/store/apps/details?id=com.miz.mizuu

Mizuu is an easy-to-use media center application for devices running Android 3.2 or newer. Mizuu helps managing all your movie and TV show video files, and automatically downloads information about the video content - including title, plot and cover art. The immersive interface was designed from the ground up with touch devices in mind. As such, it's easy to use and offer lots of customizability for more advanced users.
You can use both video files on your device as well as video files from Samba (CIFS / SMB) and UPnP / DLNA compatible network shares, i.e. computers and NAS devices. Note that Windows support is still somewhat experimental.

Love videos on the web?
Mizuu allows you to easily browse the best videos on the day on YouTube and Reddit. Alternatively, you can listen in on the latest amazing talks from the inspiring people at TED Talks. In addition to this, Mizuu allows you to view trailers of all your movies as well as popular and upcoming movies on the web.

Google TV
Mizuu includes experimental support for Google TV. Some features might not work as expected, and the UI still needs some improvements to work better on a TV. If you're not fully satisfied, please see the notes about requesting a refund.

Use it with any installed video player
Mizuu isn't a video player in itself, but allows you to start video playback using any installed video player on your device. If you haven't installed any video players yourself, it'll play videos using the default system video play
Totally Free Deals
g: 0 Posted By: st4rdust
Views: 230 Replies: 0 Amazon has the Winix Ultimate Pet True HEPA Air Cleaner w/ PlasmaWave Technology(WAC9500) for $179.99 with Free Super Saver Shipping. Also ships free with Amazon Prime.

4.5/5 stars based on 256 customer reviews.

Alternatively, if you have a Costco membership, they also have it available for this price here.Non-Costco members may be charged extra.

True HEPA Filtration captures 99.99% of airborne pollutants, pet dander and allergens as small as 0.3 microns.
Washable advanced odor control carbon filter especially formulated to capture offensive pet odors as well as smoke, cooking and other household odors.
Washable Anti-Microbial Pre-Filter extends the life to your filter by capturing Pet Hair and larger airborne particles.
PlasmaWave technology attacks pollutants at a molecular level to neutralize viruses, bacteria, odors, and gases in the air
Smart Sensors with Auto-Mode. Odor, Dust and Light Sensors automatically adjust your air cleaner settings to meet the needs of your environment.

Winix Deals

Amazon Coupons
Trad to Roth Conversion--do I need to buy securities first?
Added on : Sunday April 06th 2014 09:00:05 AM
g: 0 Posted By: pgb7540
Views: 94 Replies: 0 This is for people whose income doesn't allow them to contribute directly to Roth. Alternative course that I'm aware of is contributing to post-tax Trad IRA and then doing Same Trustee Conversion(IRA FAQ).

One nuance that I'm not clear on is:
Can I deposit post tax dollars into trad IRA and then convert them into my existing Roth. Or do I have to invest them into stocks etc inside my Trad IRA first and then transfer them out to Roth (and pay tax on any earnings).

Everyone who goes through this seems to suggest that the second way is the correct one. But It seems I can simply open trad IRA, deposit 5500, without actually buying any securities, convert into my existing Roth==>not pay any taxes.
Question Deals
Dell Wireless Touchpad -$29.97 w/ Free Shipping at Microsoft Store
Added on : Saturday April 05th 2014 03:00:04 PM
g: 0 Posted By: jskins
Views: 486 Replies: 0 Dell Wireless Touchpad-$29.97 w/ Free Shipping at Microsoft Store.

Adds four-point multi-touch to Windows 8 computer
Full touchscreen capability
Enables multi-touch gestures on any Windows 8 computer
Pair it with a non-touch display to experience four-finger touch and interactive computing
Add it to touchscreen setup for a flexible multi-touch alternative
Low-profile
Slim design with silver accents

Computers Deals

Microsoft Store Coupons
Dell Wireless Touchpad -$22.97 w/ Free Shipping at Microsoft Store
Added on : Saturday April 05th 2014 02:00:03 PM
g: 0 Posted By: jskins
Views: 303 Replies: 0 Dell Wireless Touchpad-$29.97 w/ Free Shipping at Microsoft Store.

Adds four-point multi-touch to Windows 8 computer
Full touchscreen capability
Enables multi-touch gestures on any Windows 8 computer
Pair it with a non-touch display to experience four-finger touch and interactive computing
Add it to touchscreen setup for a flexible multi-touch alternative
Low-profile
Slim design with silver accents

Computers Deals

Microsoft Store Coupons
Free Camarena Mini Micro-Buff Smartphones Cleaner 1st 4500
Added on : Thursday April 03rd 2014 02:00:06 PM
g: 0 Posted By: remick
Views: 290 Replies: 0 http://www.savecinco.com/pledge.php

To enter, visit the microsite and enter the pledge. After your pledge is received,
Sponsor will then verify via email your eligibility, including that you are of legal drinking age,
within 48 hours. If you have opted in to receive future communications from the brand, you will
receive email updates until you unsubscribe. In the event that you do not respond within the
timeframe or are found ineligible, the corresponding prize will be forfeited and an alternative
winner may be selected at Sponsors discretion. Once verification of eligibility is completed one
(1) mini micro-buff will be shipped to each eligible winner. No purchase required. A maximum
of four thousand five hundred (4,500) mini micro-buff smartphone cleaners will be awarded.
Electronics Deals
60 double rolls Quilted Northern $11.50 after cpn / gc / rc @ Target
Added on : Wednesday April 02nd 2014 09:00:10 AM
g: 2 Posted By: giselmey
Views: 251 Replies: 2 Target currently has 30pack Quilted Northern Double Rolls for $15 (page 5 of weekly ad).
Get $10 Target gift card when you buy two.
Use $1/1 Target store txt cpn, more info here: http://www.fullofdeals.com/forums/grocery-coupons/1351871/
Use two $1.50/1 from Target.com (2 prints?)
Or use two $1/1 from coupons.com (2 prints, adds about a buck to the final price)
Use 15% off from Cartwheel app. exp 4/5 (hurry!)
Use 5% off Target redcard savings.

The math (please add applicable tax):

$30
- $ 1.00 store txt cpn
- $ 3.00 mfr cpn @ Target (alternatively - $ 2.00 mfr cpn @ coupons.com)
- $ 3.90 Cartwheel
= $22.10
- $10.00 gift card
= $12.10
- $ 0.60 5% redcard savings
= $11.50 for 60 double rolls = $0.1917 per double roll!

Should work for both regular and plush varieties.
Household Deals
g: 0 Posted By: remick
Views: 253 Replies: 0 http://www.amazon.com/dp/B00HUGMYF6

4.7 out of 5 stars (11 customer reviews)

Andrew K. Smiths hooligan pranks and social impulsiveness paints a picture of Attention Deficit Hyperactivity Disorder (ADHD) before medication, and it would seem that the little orange pills could cure his mischief. But readers will furrow their brows as they enter The Adderall Empire, traveling with Andrew K. Smith through the chemically conflicting mind states. Is working-memory training a feasible alternative? Readers will beg for the answer, hoping Andrew stops getting into trouble before his parents disown him or he winds up in jail. Again.


also free at the time of posting

Overcoming Adult ADHD: Daily Strategies to Manage Your Life with Attention Deficit Disorder
http://www.amazon.com/Overcoming-Adult-ADHD-Strategies-Attention...
Books Deals

Amazon Coupons
g: 0 Posted By: MISTERCHEAP
Views: 110 Replies: 0 http://www.kohls.com/product/prd-1435983/sonoma-life-style-luxur...


Kohls 30% off with Kohls charge SHOP30



30% code SHOP30








WESHIPFREE is the FS code
g: 0 Posted By: remick
Views: 21 Replies: 0 http://www.amazon.com/dp/B00HG10FYM

The Healthiest Food on the Planet!

Turmeric is one of the oldest natural medicines in the history of mankind. It has been used as a cure for an uncountable number of diseases.
Turmeric is anti-inflammatory, Turmeric is antiseptic, Turmeric is antibacterial and...Turmeric is delicious.
It is this last attribute that puzzles many people. However, it wont be a puzzle anymore after going through this book. You wont believe how easy is to make your kids eat the yellow-orange not-so-tempting looking turmeric.

The book 50 Lip-Smacking Turmeric Recipes: The NEW Superfood plus Health Benefits contains the following.

The health benefits of Turmeric you would be amazed to know how many severe diseases can be cured and prevented by this simple spice.
Turmeric containing recipes of dips and sidelines.
Delicious use of Turmeric is vegetarian and non-vegetarian food.
Easy use of turmeric in drinks and desserts.
Nutritional facts along with every recipe.


Herbal Remedies: 25 Herbs that Prevent and Cure Daily Illnesses
http://www.amazon.com/Herbal-Remedies-Illnesses-remedies-medicin...

Saw Palmetto Hair Loss: Healthy Long Hair Loss Prevention and Fast Regrowth! Grow Beautiful, Healthy, Natural Hair
http://www.amazon.com/Saw-Palmetto-Hair-Loss-Prevention-ebook/dp...

The Beginners Herbal Handbook
http://www.amazon.com/Beginners-Herbal-Handbook-Helen-Collins-eb...

Anti-Aging Cure - Anti-Aging Foods, Anti-Aging Secrets, All Natural Methods For Anti-Aging
http://www.amazon.com/Anti-Aging-Cure-Breakthroughs-Healthier-su...

Superfoods: Healthy Dinner Ideas For Two
http://www.amazon.com/Superfoods-Healthy-Healing-Superfood-Aweso...

The Watercress Supplement: Alternative Medicine for a Healthy Body
http://www.amazon.com/Watercress-Supplement-Alternative-Medicine...
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/Unlimited-Streaming-Internet-your-Cable-eb...

Is it time for you to cut cable TV?


Millions of Americans have cut cable TV in the last few years. They enjoy more freedom, more control and more money. Are you ready to join them?

I have yet to meet anyone who has cut cable TV, that decided to go back. Im sure there are a few, but most find they enjoy the freedom, control and money that cutting cable TV gives them and never go back after they make the switch.

This is book three of the Keys to Cut Cable TV series.

Unlimited Streaming: From the Internet to your TV:


It gives you everything you need to know to stream from your computer or other devices directly to your TV.

Roku and media devices are great for easy streaming. However, with those, your options may be limited by the available channels. Streaming from a computer or other device gives you unlimited access to everything that is available on the internet.

It is just a matter of setting it up. For many people this is a very simple solution. For others it is a little more complicated. This book will lead you through your choices so that you can decide what you want, get what you need, set it up quickly and cut cable TV.

This book answers the following questions:

Can you hook your computer to your TV?
What do you need to hook your computer to your TV?
What types of connections will give you the best results?
Should you add a graphics card?

What about Chromecast?
What does it take to set up a Chromecast?
Chromecast vs other computer streaming options, which is better for you?

Do you want a dedicated computer for your streaming needs?

Wireless or wired connection, which is right for you?.
What is the best way to set up your wireless connection for HD streaming?
How do you set up a wired ethernet connection?

Do you want to add one or more pay streaming services?
Each has unique benefits, which one is right for you?

Get your copy of Unlimited Streaming: From thRoku and Media Devices: Easy Streaming today and cut cable TV in the next seven days

The keys to cut cable TV series gives you what you need to know to make your preferred cable cutting solution work for you. If you want information on all the best cable cutting options, in one place The CTRL+ALT+DEL Plan: Cut Cable TV in 7 days. features all the information in the Keys to Cut Cable TV series.

Whichever option is right for you. Isnt it time for you to Take Control, Find Alternatives and Delete your cable TV bill?
Totally Free Deals
Goose Down Alternative Double Fill Comforter (Duvet) King size - $30
Added on : Thursday March 20th 2014 01:00:02 PM
g: 0 Posted By: Deals4mykids
Views: 99 Replies: 0 http://www.amazon.com/Clara-Clark-Alternative-Double-Comforter/d...

King size 102" x 88" inches
Microfiber silky soft, medium warmth for all year-round comfort
Box-stitching design to avoid shifting
Easy care machine washable
Matches with Clara Clark bedding

Bedding Deals

Amazon Coupons
g: 0 Posted By: st4rdust
Views: 116 Replies: 0 Discount Mags has anAlternative Press 1-yr. Magazine Subscriptionfor $14.99 - coupon code "FATWALLET" = $4.99. You can order up to 4 years at this rate. Ends today.


"Alternative Press Magazine is the ultimate authority on new music and style. Alternative Press is packed with celebrity and anti-celebrity interviews, exclusive photos, in-depth and (often brutally) honest reviews and so much more that only Alternative Press can give you."
Magazines Deals

DiscountMags.com Coupons
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/dp/B00405R6VC/

4.0 out of 5 stars (72 customer reviews)

New Lyme Disease treatments are desperately needed. This book provides them. The book identifies ten cutting-edge conventional and alternative treatments and gives practical guidance on integrating them into a comprehensive treatment plan that maximizes therapeutic benefit while minimizing side effects. On the pages of this book you will find the most accurate, current Lyme Disease information available. Discover the tools and resources to reclaim your health using the best of conventional and alternative medicine. Lyme Disease is one of the most stubborn, treatment resistant infections on earth. It is also spreading rapidly on all continents. Borrelia Burgdorferi - the elusive and dangerous Lyme Disease bacteria - can mimic many seemingly unrelated diseases, resulting in frequent misdiagnosis of the infection. Government health officials are beginning to recognize Lyme Disease for what it is: a growing threat to public health and safety. Statistics show that there are over 200,000 new Lyme Disease infections per year in the United States alone. Read this book to find out about the following breakthrough Lyme Disease treatments. Five Core Treatment Protocols: The Antibiotic Rotation Protocol, The Marshall Protocol, The Salt / Vitamin C Protocol, Detoxification, and Electromedicine (Rife Machine Therapy). Five Supportive Supplements: Systemic Enzymes, Mangosteen, Lithium Orotate, Coenzyme Q10, and Magnesium.

Reviews

From James Schaller, M.D. -- Remarkably broad and clearly written, this will be one of the top Lyme Disease books of the decade. Bryan Rosner is unusually gifted at explaining new emerging treatments. He thinks big and offers big solutions. --James Schaller, M.D., practicing physician and author of 16+ books

From Mary Brescia, R.N. -- I am a registered nurse, wife, mother, and patient, and for 15 years I have suffered from three tick borne diseases. I have searched the world over on a quest for healing. Hope is a word Lyme sufferers soon learn is not part of their vocabulary. Bryan Rosner opens the door to hope and offers a roadmap to restored health. By turning the pages of this book, you will learn how to turn the course of suffering. A Lyme sufferer himself, Rosner has paved the way, thank God, for all of us. --Mary Brescia, R.N.

From Andrew Cutler, Ph.D. -- In this helpful book, Bryan Rosner presents 10 new Lyme Disease treatments and enough discussion of the science behind them to put the information in context and make it useful. Whether you are under a doctor's care or going it alone, this book will help you make good decisions so you can get better. --Andrew Cutler, Ph.D., author of Amalgam Illness --Diagnosis and Treatment
Cheap Carfax/AutoCheck Report Alternative - Only $5
Added on : Sunday March 16th 2014 05:00:04 AM
g: 0 Posted By: clydestereo
Views: 88 Replies: 0 Yes, the snow is melted, the birds are singing, any you are in the market for a new ride.

well you can go here....

http://www.add123.com/home-page

or

https://www.vinaudit.com/

and for $5 they will give you a pretty detailed vehicle history report.

credit goes to a startpage.com search & Cnet.com forum.




Auto Parts Deals
Continuing Education for (Fun and) Profit?
Added on : Sunday March 16th 2014 02:00:05 AM
g: 0 Posted By: Dus10
Views: 0 Replies: 0 While it is not good, I am sure that I am not alone in having student loan debt here on FWF. I am working to pay it down, however, and I have come up with a (likely unoriginal) strategy to reduce my interest payment.

A little background: I attended a private school for undergrad that was paid 50% through tuition reimbursement and then completed graduate studies that was paid for 80% by tuition reimbursement, though I took out some additional loans. All in all, I have about $60k in loans. About 50% of it originated as subsidized loans. Whenever they are set to "in-school deferment" they have subsidized interest, again. I thought that the previous rules for this were for up to 2 years... but my graduate school was just over two years... and that have been completed for over a year now and I am taking a course right now just because I want to... and it is in deferment again.

So, strategy... take a course here and there to get these subsidized loans back in deferment and keep making my payments but stick all of the money in the unsubsidized loans. That is the first item. Now, this course I am taking is out of pocket and not cheap... so it really isn't a good example, but community colleges offer courses that are much cheaper. Alternatively or correspondingly, one could use employer provided tuition reimbursement to pay for the course, then it is free (beyond any "repayment" commitment and time in school). For specific industry certifications, I have to do continuing education anyhow, and this makes that very easy for me.

This got me thinking, though, there are plenty of means for "students" to save money. How could one extrapolate this for maximum savings. So, here is my list so far:

1. In-school deferment of subsidized loans ($~200/month)
2. Amazon Prime Student with Upgrade to Full Prime (now $50/year or ~$4/month)
3. Mobile service discounts (if you don't have an employer discount... many universities have discounts ranging from 15-22%... savings, varies significantly)
4. Gym membership discounts - my local school district has a fitness facility that is open to the public (detached from the schools). Membership is $500/year for non-residents, $200/year for residents, and $80/year for adult students ($30/year for minor students) (savings varies based on what is available for you, $10/month for me).
5. Software discounts (varies) Many schools have discount programs available for students. Also, you may want to check with your employer for "home use" programs. For instance, my employer's home use program with Microsoft allows me to use MS Office for $10 on up to two home computers.
6. Various students discounts at restaurants
7. Special vehicle financing options - We are trading in our Chevy Traverse (at 0%) for a Volkswagen Passat TDI. Volkswagen Group (VW, Audi, Porsche) offers a grad program for that within six months of graduate or two years following graduation best terms financing plus first payment paid on vehicles. We will be getting 0.9%, but the gasoline models would get 0%. ~$500 for the first payment... $130/month (>$1500/year) in fuel savings over the Traverse after accounting for the slightly increased payment. Many automakers have similar programs.
8. Covered continuing education - many licensed professions and various certifications require some form of continuing education. Sometimes there are free options... sometimes they are a pain. Any schooling gets me a CPE per hour of weekly classroom work... for 3 cr hr course gets me 36 hours for the semester. I need 20CPE/year of specific and 40CPE/year overall... this will obviously vary greatly for folks
9. If you are paying out of pocket... you can do the lifetime learning credit on your taxes to "reduce" the expense of the course.
10. Ancestry.com - I think that some universities offer free access to students (mine does)... $20/month... but i would pay for it all of the time anyhow, so not really a savings.

What other options are out there? Things that you normally wouldn't use but the free/discounted rate makes it affordable for you? Things you already use that would become less expensive?
g: 0 Posted By: iLetTheDogsOut
Views: 114 Replies: 2 Clara Clark Goose Down Alternative Reversible Comforter - Available in all sizes $28.99 FS @ cozyarray via eBayComforter Dimensions

KING: 102" X 88"
FULL/QUEEN: 88" X 88"
TWIN: 66" X 88"
g: 1 Posted By: jskins
Views: 375 Replies: 0 Use coupon code GETLUCKY during checkout to receive 20% Off Spring Collection items at Alternative Apparel's St. Patricks Day Sale.

A few notable spring collection items:

(copy and paste URL's)

Tidal Striped Men's Tank Top :http://www.alternativeapparel.com/product/search/Tidal%20Striped...
Sachi Women's Top: http://www.alternativeapparel.com/Sachi-Top-12341TH
Laguna Printed Dress: http://www.alternativeapparel.com/product/search/Laguna%20Printe...

*You can also use promo code XTRASALE to receive 50% off sale items, however coupon codes do not stack, so you cannot use both codes in one order*
Clothing Deals

Alternative Apparel Coupons
g: 0 Posted By: jskins
Views: 51 Replies: 0 Use couopn code GETLUCKY during checkout to receive 20% Off Spring Collection items at Alternative Apparel's St. Patricks Day Sale.

A few notable spring collection items:

Tidal Striped Men's Tank Top
Sachi Women's Top
Laguna Printed Dress

*You can also use promo code XTRASALE to receive 50% off sale items, however coupon codes do not stack, so you cannot use both codes in one order*
Float Money - new credit service?
Added on : Saturday March 08th 2014 02:00:03 AM
g: 0 Posted By: nomadwfs
Views: 25 Replies: 0 Has anyone tried out this new service?

https://www.floatmoney.com/
the website said: A new way to borrow that puts you first.

Float is an alternative to the traditional consumer loan system. We are not a bank. We are a new type of company that is both a lender and a shopping club. We can make loans without interest or fees because we get paid by the stores when you shop. Our mission is simple - to improve the financial health of all of our members.

It looks to me like the site makes money by encouraging its users to buy gift cards to vendors which it can probably do in volume at a discount, and passes a portion of the profit on to the users in the form of a variable credit line tied to the amount of gift cards you buy per month.

It looks to be that their Target market is people with little credit or bad credit as a means to build a credit file. Based on some quick calculations of the amount of credit you can obtain using the service, it seems quite paltry compared to credit lines offered by big banks on credit cards. For that reason, it may not be of particular interest to the churning/MS community, but it looks like the credit available functions as a bank line of credit, allowing you to ACH it directly into your bank account for any purpose at no fee, as opposed to the methods/fees involved in extracting funds from a credit cardinto a bank account. That is an interesting feature.

Any thoughts?
Personal Finance Deals
g: 0 Posted By: unkinected
Views: 19 Replies: 0 So I've hit the income limit for contributing to a Roth IRA. I have a Vanguard Roth with about 16k in it (S&P index fund). I've been happily and automatically sending money to it each month, which I now need to stop.

Putting aside anyissues of over-contribution for a second (which may or may not be applicable - I need to do the math)...

My question is what should I do with the Roth account? The options I know about are a) recharacterize into a traditional IRA, and then go on happily contributing, or b) leave the account as-is and use the monthly contribs somewhere else. For background, I'm 35 andam currently putting into my 401k my company match plus 2.5%.

Recharacterize:
- I can keep contributing to a tax deferred account
- No tax deduction because my income is over the limit ($70k for a single in 2014), which negates any benefit for me today.
- I currently assume my tax bracket will be lower in retirement, so contributing here still makes some tax sense. This is a big question however...I'm 35 now, it's hard to guess where I'll be in ~30 years.

Keep as-is:
- Obviously I can't grow the account with contributions
- I'll get the money tax-free at retirement (which I don't think will be a ton, given the current relatively low balance)
- I can use the money I would be contributing tothe traditional IRA somewhere else.

I'm torn. Assuming my tax bracket is much lower in "retirement" then I think recharacterizing and continuing to put away money makes sense. All of my contributions should be non-deductible (assuming my income doesn't drop way down), which means only earnings are taxed (and I get a low tax bill). If I switch gears and add the money instead to my 401k, I save some tax today, but will pay for it when I withdraw. Alternatively, if I take the money and put it in long-term investments, my earnings will be taxed at long-term capital gains rates (let's assume ~15%).

A few questions: will my income tax rate in retirement be lower than the long-term capital gains rate? is the tax saved today in a 401k worth the tax when I withdraw?

Gah, so many variables, not least of which is I have no idea what life will be like in 30 years.

Would love to hear the forum's thoughts! Thanks!!!
Personal Finance Deals
g: 0 Posted By: fatgempler
Views: 272 Replies: 0 Not the best pricing ever seen on a Dell XPS 8700 with an i7, but the best pricing available on one today...

Dell XPS 8700 i7-4770, 8gb, 1TB, GT 635, DVD+/-RW, WiFi, Win 8.1 $739 AC FS
This link brings you to a system priced at $799 andafter you add it to you cart you can enter the $60 off coupon code "7CGSBDFTF3TNBR" making it just $739.99,
http://www.dell.com/us/p/xps-8700/pd?oc=fdcwgp1312&model_id=xps-...

Alternatively, for $783.99 you can get the same system with the memory bumped up to 12gb and the video card bumped up to a GTX 645 video card, You can join the Dell Advantage program (free) and go here for and grab the $930.99 configuration and subtract $150 using your Dell Advantage coupon code given to you for signing up...
http://www.dell.com/us/eep/p/desktops#!all-in-one-desktops&cid=d...
If you arealready a Dell Advantage member then start this deal by first logging into you Dell Advantage account, clip the coupon, and then shop for PC or click the link about (after you are signed in).
If you are not a Dell Advantage member then join for free by visiting http://dell.com/advantage

>>> HEY FW, before you tell me this is a dupe, please note that this link, configuration, and final price are completely different than the other XPS 8700 that does not exist at the price the person posted with the configuration they posted. Thank you.

Desktop Computer Deals

Dell Consumer Coupons
g: 0 Posted By: fatgempler
Views: 77 Replies: 0 Not the best pricing ever seen on a Dell XPS 8700 with an i7, but the best pricing available on one today...

Dell XPS 8700 i7-4770, 8gb, 1TB, GT 635, DVD+/-RW, WiFi, Win 8.1 $739 AC FS
This link brings you to a system priced at $799 andafter you add it to you cart you can enter the $60 off coupon code "7CGSBDFTF3TNBR" making it just $739.99,
http://www.dell.com/us/p/xps-8700/pd?oc=fdcwgp1312&model_id=xps-...

Alternatively, for $783.99 you can get the same system with the memory bumped up to 12gb and the video card bumped up to a GTX 645 video card, You can join the Dell Advantage program (free) and go here for and grab the $930.99 configuration and subtract $150 using your Dell Advantage coupon code given to you for signing up...
http://www.dell.com/us/eep/p/desktops#!all-in-one-desktops&cid=d...
If you arealready a Dell Advantage member then start this deal by first logging into you Dell Advantage account, clip the coupon, and then shop for PC or click the link about (after you are signed in).
If you are not a Dell Advantage member then join for free by visiting http://dell.com/advantage

>>> HEY FW, before you tell me this is a dupe, please note that this link, configuration, and final price are completely different than the other XPS 8700 that does not exist at the price the person posted with the configuration they posted. Thank you.

Desktop Computer Deals

Dell Consumer Coupons
g: 0 Posted By: Deals4mykids
Views: 214 Replies: 0 Have a PayPal Extras MasterCard, and are you trying to spend out points that you've accumluated? eBay gift cards were just reduced, and appear to be the best deal.
$25 eBay Gift Card
Price had been: 3,300 Reward Points
Price Just Reduced to 2,500 Reward Points



If you don't have a PayPal Extras MasterCard, don't bother getting one. Not the best reward credit card, and poor customer service. Also, points expire after 24 months. Some of us started using this card when we were tempted by $$ off intro deals on eBay.

"Shop eBay for an expansive selection of Tech, Fashion, Jewelry, Collectibles, Home & Garden, Cars, Parts, Sporting Goods, Media & much more. As the worlds largest online marketplace, you can find and buy practically anything on eBay.

1. You must have an eBay account and PayPal account registered in the U.S. to redeem this Card. For security purposes, a credit card or bank account may be required.
2. Valid only for purchases on eBay where PayPal is accepted. Gift Cards cannot be redeemed for purchases through eBay Express. Additional ineligible sites may be added. Please click here for the most current list.
3. Not refundable or redeemable for cash. As a security feature of this Card, upon first use this Card becomes non-transferable and attaches to your PayPal account.
4. There is no expiration date or Card fees.
5. Protect this Card like cash. Lost, stolen or damaged Cards will not be replaced except in limited circumstances or where required by law, and only if the Card has never been used and with proof of purchase as required by PayPal. A processing fee may apply.
6. Your use of this card indicates your agreement to be bound by these terms and conditions and those found here.
7. This Card is not a credit, debit, or charge card. No implied warranties attach to it. 8. Use of the eBay and PayPal services is subject to each companys respective User Agreement. Card users must be 18 years of age or older.
9. Invalid or unidentifiable Card numbers will not be redeemed. Allow up to four (4) hours from time of purchase for PayPals systems to recognize and accept this Card.
10. This Card may not be used to pay eBay or PayPal service fees.
11. No more than a total of $500 in Gift Cards may be used per eBay purchase. Further, unverified PayPal accounts are limited to a total of $500 in Gift Card purchases in any 30-day period and verified PayPal accounts are limited to $5,000 in gift card purchases in any 180-day period.
12. This Card is issued by PayPal Gift Card Services, Inc. which reserves the right to change the terms of gift card program at any time or to contract with a third party to administer this program.
13. Assignment Waiver: We may assign this Agreement at any time without notice to you. However, if we assign this Agreement, the terms of this Agreement will remain substantially and materially the same unless you are notified.
14. Arbitration: For any claim against eBay Inc. or PayPal Inc. for less than $10,000, the party seeking redress may elect to resolve the dispute through binding non-appearance based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
15. Applicable Law: This agreement is governed by the laws of the State of California, USA, excluding choice of law principles.
16. No Warranty of Availability or Uninterrupted Use: From time to time the Gift Card system may be inoperative, and when this happens, you may be unable to obtain information about the balance on your Card and Card transactions, or use your Card to pay for purchases. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.
17. No Warranty Regarding Goods and Services: We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased by you with your Card."
Credit Deals
g: 0 Posted By: Deals4mykids
Views: 0 Replies: 0 Have a PayPal Extras MasterCard, and are you trying to spend out points that you've accumluated? eBay gift cards were just reduced, and appear to be the best deal.
$25 eBay Gift Card
Price had been: 3,300 Reward Points
Price Just Reduced to 2,500 Reward Points



If you don't have a PayPal Extras MasterCard, don't bother getting one. Not the best reward credit card, and poor customer service. Also, points expire after 24 months. Some of us started using this card when we were tempted by $$ off intro deals on eBay.

"Shop eBay for an expansive selection of Tech, Fashion, Jewelry, Collectibles, Home & Garden, Cars, Parts, Sporting Goods, Media & much more. As the worlds largest online marketplace, you can find and buy practically anything on eBay.

1. You must have an eBay account and PayPal account registered in the U.S. to redeem this Card. For security purposes, a credit card or bank account may be required.
2. Valid only for purchases on eBay where PayPal is accepted. Gift Cards cannot be redeemed for purchases through eBay Express. Additional ineligible sites may be added. Please click here for the most current list.
3. Not refundable or redeemable for cash. As a security feature of this Card, upon first use this Card becomes non-transferable and attaches to your PayPal account.
4. There is no expiration date or Card fees.
5. Protect this Card like cash. Lost, stolen or damaged Cards will not be replaced except in limited circumstances or where required by law, and only if the Card has never been used and with proof of purchase as required by PayPal. A processing fee may apply.
6. Your use of this card indicates your agreement to be bound by these terms and conditions and those found here.
7. This Card is not a credit, debit, or charge card. No implied warranties attach to it. 8. Use of the eBay and PayPal services is subject to each companys respective User Agreement. Card users must be 18 years of age or older.
9. Invalid or unidentifiable Card numbers will not be redeemed. Allow up to four (4) hours from time of purchase for PayPals systems to recognize and accept this Card.
10. This Card may not be used to pay eBay or PayPal service fees.
11. No more than a total of $500 in Gift Cards may be used per eBay purchase. Further, unverified PayPal accounts are limited to a total of $500 in Gift Card purchases in any 30-day period and verified PayPal accounts are limited to $5,000 in gift card purchases in any 180-day period.
12. This Card is issued by PayPal Gift Card Services, Inc. which reserves the right to change the terms of gift card program at any time or to contract with a third party to administer this program.
13. Assignment Waiver: We may assign this Agreement at any time without notice to you. However, if we assign this Agreement, the terms of this Agreement will remain substantially and materially the same unless you are notified.
14. Arbitration: For any claim against eBay Inc. or PayPal Inc. for less than $10,000, the party seeking redress may elect to resolve the dispute through binding non-appearance based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
15. Applicable Law: This agreement is governed by the laws of the State of California, USA, excluding choice of law principles.
16. No Warranty of Availability or Uninterrupted Use: From time to time the Gift Card system may be inoperative, and when this happens, you may be unable to obtain information about the balance on your Card and Card transactions, or use your Card to pay for purchases. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.
17. No Warranty Regarding Goods and Services: We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased by you with your Card."
Free Ebooks 3-5-14
Added on : Wednesday March 05th 2014 07:00:10 AM
g: 0 Posted By: jhall1822
Views: 46 Replies: 1 Note: I only posted the books from FreeEbooksToday.com that have a rating of 4 or more, there are others if you are interested. Please make sure the books are still free on Amazon before purchasing!


Introducing Windows 8.1 For IT Professionals
Rating - 4.3 (20 reviews)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 XPThe Windows 8.1 user experienceDeploymentSecurity featuresInternet Explorer 11Delivering Windows appsRecovery optionsNetworking and remote accessManaging mobile devicesVirtualizationWindows RT 8.1

50 Popular Types of Herb (The Herb Books)
Rating - 4 (4 reviews)~On the following pages you will find all the well-known culinary herbs together with many that have familiar names but which are not so widely used today. The herbs have been chosen for their flavouring and seasoning properties, as well as their special therapeutic qualities. These are the herbs which have the greatest variety of uses, and while it is not intended that all the herbs should be grown in the garden, the list offers a worthwhile selection from which to make your choice. The majority of the herbs are familiar as culinary herbs but many are also good medicinal or cosmetic plants.When you are considering which herbs to grow in your garden, you must first decide the purpose for which they are to be grown. Is it your intention to use herbs only in cooking? Would you prefer to grow a bed of medicinal herbs to make natural remedies and herbal teas? Perhaps you wish to grow the cosmetic herbs which are so fragrant and colourful.All the plants described in this section are comparatively easy to grow, and once established in their plot, need little attention. If you cannot grow them from seed, you will find the majority are obtainable at your local garden centre or herb nursery. A few such as elder, yarrow and marshmallow, can easily be found growing in the wild - so the seed can be collected from the plants in the appropriate season.To preserve the plants in the countryside from extinction, it is important that you only gather the seeds. It is also essential to correctly identify the plant before collecting any seeds from a herb growing in the wild. Although most herbs do run true to form, some plants cross fertilize with the result that scents and flavours become mixed. If you are in doubt about the appearance of a particular herb, try to see it growing by visiting herb gardens and nursery centres. This will often give you a better idea of how to fit a particular herb into your own garden arrangement.When planning your garden, list all the herbs you would like to grow, making a note of their heights and how you wish to use them. In this way you will find you have a good selection of herbs and a clear idea of how they can be used to their best advantage. By tradition, many herbs have a specific use, but with the emphasis today largely on the culinary herbs, most of the alternative uses remain untried. There are a great many herbs which can be used in cosmetics, and with the rising cost of these preparations in the shops, it is well worth making your own.

Jumpstart!: Your Way to Healthy Living With the Miracle of Superfoods, New Weight-Loss Discoveries, Antiaging Techniques & More
Rating - 4.3 (15 reviews)

A step-by-step plan to supercharge every area of your health Everybody wants to look and feel their best. Jumpstart! takes a multipronged approach to heath and wellness that provides impressive results quickly. Emphasizing the connection between mind, body and spirit, the author shows you how to:

Reset your weight to its optimal level
Reprogram your mind for success
Tap into the most powerful power source

When you start to drop the excess pounds and cleanse your body of stress and toxins, your body will begin to function at its optimal level, revving up your metabolism and immune system. Jumpstart! your health and get excited about the new life that is just around the corner!

The Juice Lady's Remedies for Stress and Adrenal Fatigue: Juices, Smoothies, and Living Foods Recipes for Your Ultimate Health
Rating - 4.3 (7 reviews)

~Dont let stress ruin your health.
Fight back with these all-natural juice remedies.
You dont have to suffer with the effects of stress and exhaustion. By simply adding more raw food to your diet, you increase your intake of essential nutrients and decrease the harmful effects of stress and adrenal fatigue on your body.

With recipes and recommendations for healing teas, juices, and smoothies, this quick-reference guide helps you naturally repair, rejuvenate, and reclaim your health. You also get valuable tips on stopping stress and adrenal fatigue at the source, including:

The connection between chronic stress and adrenal fatigue
Practical ways to lower your stress levels
Nine common symptoms of adrenal fatigue
Seven steps you can take to combat stress eating, and more!

Breaking Out Of A Broken System
Rating - 4.9 (88 reviews)~Has your life turned out exactly as planned?When you were younger did you have dreams of being a rockstar?
...a fireman?
...a doctor?Who did you want to be before the world told you who you should be?

When we're born, we enter a world full of systems, most of which are out of our control. There are tons of unwritten rules and social pressures we feel forced to follow.We're pressured to:
- study hard and get good grades
- get accepted and attend college
- graduate and find a secure job
- get married and start a family

We're trained not to stray too far from the path.If we follow this recommended path, why do we still feel that we're missing something?In Breaking Out of a Broken System, Seth & Chandler Bolt give you the tools to re-draw the lines, chart new roads, and expand the borders around your life.

Each of the brothers writes a totally different perspective on the 15 most important life lessons taught by their parents. These are things they thought everyone learned growing up, but they realized otherwise after going out into the "real world".

As you read, you'll have the option to read two completely different perspectives on each life lesson.You can start with the artistic account written by Seth, bass player for the southern rock band NEEDTOBREATHE.Or...Dive into Chandler's entrepreneurial story told from the perspective of the younger brother.There are two major benefits that will manifest from reading these intriguing tales. First, your life will gain a fresh new outlook on how blazing new trails can be the perfect addition to your own path.
Totally Free Deals
Clairol Platinum Hair Color Rewards Program
Added on : Tuesday March 04th 2014 01:00:09 PM
g: 0 Posted By: returnofmom
Views: 127 Replies: 0 This is more of a rebate program than a free item, so I thought I'd post it in the grocery coupons forum. If it should be somewhere else, please feel free to move it. I just wanted to pass it along.

~~Buy any FOUR (4) boxes of Clairol hair color and get a coupon forONE (1) FREE box of Clairol hair color (Max Value $13.99).

This is different from L'Oreal's rewards program in that you must snap a picture of your receipt with the Clairol item checked.
Then you have to upload the picture. Earn a free box of Clairol hair color after purchasing four boxes.

~~Platinum Rewards Terms and Conditions:
Buy any FOUR (4) boxes of Clairol hair color and get ONE (1) FREE box of Clairol hair color (Max Value $13.99). Coupon for free box is limited to the purchase price of the box and excludes taxes and any incidental or consequential damages, negligence, strict liability or any other legal theory. Offer excludes Clairol Professional products.
Limit FOUR (4) free boxes of hair color per household per 12-month period. Must be 18 or older to participate and must be legal resident of the 50 continental United States. Only products purchased after 1/1/14 can qualify for this promotion.
Reproduction, alteration, sale, trade, or purchase of this coupon for a free box or proof of purchase is prohibited. Proof of purchase must be obtained from the receipt(s) associated with the product purchased by you. Coupon a for free box cannot be combined with any other offers.
Coupons can be redeemed in-store at participating retailers. No requests from groups, clubs, or organizations will be honored. We will not honor incomplete submissions for the free box coupon. Not responsible for lost, late or undelivered submissions.
Please allow 6-8 weeks for delivery of your free box coupon.
Credits earned toward free Clairol products do not expire, though the Clairol Brand reserves the right to alter the program terms or terminate this program at any time with 60 days notice. P&G reserves the right to discontinue this offering to any person who exhibits redemption behavior indicative of fraud.
Members can attempt to upload each receipt a maximum of two times before being prompted to submit receipt information using an alternative submission method outlined in receipt upload instructions.
Multiple purchases can be validated on a single receipt. Users cannot upload a second receipt until the previous receipt has been processed, and an error or success notification has been displayed. Each receipt can only be validated once.
Contact us at 1-800-CLAIROL (1-800-252-4765) Monday through Friday, 8:30 a.m. to 8:30 p.m. EST, or Saturday, 9:00 a.m. to 6:00 p.m. EST with further questions.

http://www.clairol.com/en-US/platinum-rewards
Hair Care Deals
g: 0 Posted By: remick
Views: 563 Replies: 0 http://www.amazon.com/Jumpstart-Superfoods-Weight-Loss-Discoveri...

4.5 out of 5 stars (14 customer reviews)

A step-by-step plan to supercharge every area of your health Everybody wants to look and feel their best. Jumpstart! takes a multipronged approach to heath and wellness that provides impressive results quickly. Emphasizing the connection between mind, body and spirit, the author shows you how to:

Reset your weight to its optimal level
Reprogram your mind for success
Tap into the most powerful power source

When you start to drop the excess pounds and cleanse your body of stress and toxins, your body will begin to function at its optimal level, revving up your metabolism and immune system. Jumpstart! your health and get excited about the new life that is just around the corner!



Fight Now: Eat & Live Proactively Against Breast Cancer
http://www.amazon.com/Fight-Now-Proactively-Against-Breast-ebook...

4.5 out of 5 stars (22 customer reviews)

Dr. Tabors FIGHT NOW book provides information on lifestyle choices that might improve breast health and overall health. The purpose of Dr. Tabors medical research is to empower you to become proactive against breast cancer now with specific food and lifestyle choices. We can make specific food and lifestyle choices to lower the risk of getting breast cancer, risk of recurrence, and risk of dying from breast cancer. The only alternative is to be reactive after you get breast cancer or have a recurrence of breast cancer. The choice is clear

Whether you are currently fighting breast cancer; are a survivor; or, simply trying to lower your risk, Dr. Tabors FIGHT NOW book will give you concise, critical information that you can start using today. You dont have to read hundreds of pages, or have a medical degree to reduce your cancer risk. Spend just a few hours reading this book and you will be empowered to Fight Now.



Also Free in Healthy Living:

SMART SCHOOL TIME RECIPES: The Breakfast, Snack, and Lunchbox Cookbook for Healthy Kids and Adults
http://www.amazon.com/SMART-SCHOOL-TIME-RECIPES-Breakfast-ebook/...

3.9 out of 5 stars (181 customer reviews)


The 3 Essential Oils: Olive Oil, Coconut Oil and Castor Oil
http://www.amazon.com/The-Essential-Oils-Coconut-Castor-ebook/dp...

4.8 out of 5 stars (8 customer reviews)


Improve Your Health Naturally
http://www.amazon.com/Improve-Your-Health-Naturally-Rongione-ebo...

4.2 out of 5 stars (8 customer reviews)
Books Deals

Amazon Coupons
g: 4 Posted By: remick
Views: 995 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
Totally Free Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
g: 4 Posted By: heyyl0w
Views: 363 Replies: 2 Amazon has the Ray-Ban RB2132 New Wayfarer Sunglasses for $71 with free shipping.

Alternatively, if you haven't already signed up for Amazon's Fashion Newsletter e-mails, you can do so here and receive a one-time use 20% off promo code. Using that towards these sunglasses would make them $56.80.

Sunglasses Deals

Amazon Coupons
What was that mint.com alternative that specializes in investments?
Added on : Tuesday February 25th 2014 04:00:10 AM
g: 0 Posted By: skunker
Views: 130 Replies: 3 Hey guys, I recently read an article online about a free mint.com alternative that specializes in 401ks and tracking investments. Unfortunatley, I lost the link and don't remember the name of the service. Does anyone know what it could have been? THanks!
Question Deals
g: 0 Posted By: dragonary
Views: 293 Replies: 0 TurboTax Deluxe (Fed, State and Fed E-File included) for $39.99 at Amazon (CD or Download)

- Receive up to 10% when you use your Federal refund to purchase a gift card
Link or Save $20 or more with Quicken 2014 Bundles

As an alternative: It's also $39.99 pre-tax at BestBuy (Free Shipping on orders $25 and up, or pick it up from a BB store)
Link

Software Deals

Best Buy Coupons
Tax question - Incorrect 1098-T due to rescinded GI Bill
Added on : Sunday February 23rd 2014 04:00:05 AM
g: 0 Posted By: medion
Views: 0 Replies: 0 For those taking the time to read this, thank you, and here's the situation. I went to school full-time from January 2013 - May 2013. Tuition was $3,250. The GI Bill paid it in full, plus paid me the housing stipend. As I finished the semester,I became aware of another VA program that could not run concurrently with the GI Bill that I was using, ran the numbers, and switched. The VA backdated this new benefit, calculated my retro payment, then debted me what they had paid in tuition, fees, books, and the housing stipend. Overall, I came out pretty far ahead (first two retro payments combined were over $10k AFTER accounting for the debt, which was taken out automatically).

Flash forward to today, and I get a 1098-T from the school saying that my entire tuition was paid for via scholarship. That's because it was, at the time. The VA has since had me repay that, but doesn't report it to the school. Even with my VA debt letter showing that I had to repay (and have repaid) the cost of tuition, the school will not send a corrected 1098-T. My understanding is the following;-I can input block1 of my 1098-T ($3,250 tuition paid) and put in a zero for block 5 (which shows $3,250 in scholarships received)

-The above will decrease the amount that I owe in taxes by roughly $2k, however,
-The above is very likely to trigger an audit, but the VA letter that I have should serve as proof and therefore get me off the hook.The above are based on some limited research and sem-educated assumptions. For those of you tax gurus out there, please tell me if I'm doing this correctly or if there is an alternative approach that I should be taking on this

.And to clarify - VA won't send a corrected letter to the school. VA won't recoup from the school, give me the money, and let me pay the school back. The school won't correct the 1098-T under any scenario except under that last approach I mentioned that the VA won't do. So, I've tried these approaches already. VA flat out told me to use their debt letter if audited.
g: 0 Posted By: heyyl0w
Views: 213 Replies: 0 Mr. Coffee has their Single Cup K-Cup Keurig Brewing System (40-oz.) for $49.99. Price will drop in cart. Shipping is free. Reminder that you can purchase a weird little adapter thing to put ground coffee in as an alternative to using K-Cups.

LINK

"Through its partnership with Keurig, the Mr. Coffee brand provides genuine Keurig Brewed technology at a Mr. Coffee brand value. With this Mr. Coffee Single Cup K-Cup Brewing System, you simply add fresh water into reservoir, insert desired K-Cup pack and press the brew button. Fresh, hot coffee brews right into your cup or mug in under 1 minute* and there's no mess left to clean. Choose from a variety of over 250 K-Cup Packs from coffee or tea to hot cocoa and more. Removable drip tray accommodates larger cups and travel mugs. Includes five K-Cup sample pack."

Designed with Keurig Brewed technology
Compatible with Keurig K-Cup packs
Brews in under 1 minute*
Automatic shut off when brewing is complete
Removable drip tray accommodates larger cups and travel mugs

Currently $99 on Amazon, where the reviews are positive.
Appliance Deals
10% off at Boxed.com! Like Costco on your phone, prices better than Amazon!
Added on : Thursday February 13th 2014 01:00:09 PM
g: 0 Posted By: Thrilla
Views: 332 Replies: 0 Given the latest news about Amazon likely to raise the price of Prime, I've been looking around to see what alternatives are out there and I came across Boxed. This app has been getting a lot of press lately so I decided to check them out and found this coupon code for 10% off:BOXED2014. I checked out the prices and they're extremely competitive. I can't copy the links here since I can only order through the phone or tablet but here's a sample of their prices and how they compare to Amazon:

Baked Lays Potato Chips 30 Bag Variety Pack
Boxed - $11.99
Amazon - $25.95Link

Orbit Sugarfree Gum 18 Pack
Boxed - $12.99
Amazon - $18.49Link

Advil 200mg, 360 count
Boxed - $18.99
Amazon - $22.49Link

There's a ton more out there, almost everything I looked at beat Amazon's prices.

Free shipping on orders of $75 or more, don't forget the 10% off code!
Grocery Deals
Penfed 15/15 Adjustable Rate Mortgage
Added on : Wednesday February 12th 2014 09:00:13 AM
g: 0 Posted By: discoganya
Views: 23 Replies: 0 Penfed now offers an interesting product: 15/15 ARM (i.e. a 30 year mortgage that resets only once midway)

https://www.penfed.org/1515-Adjustable-Rate-Mortgage/

For Purchases & Refinances
Primary Residence & Second Homes (Investment properties are not eligible)
Loan amounts up to $750,000
1% origination fee

On 2/12/2014 Rate is 3.75%

An interesting alternative to a traditional 30-year fixed.
Kohls - Bedding 50% off
Added on : Wednesday February 12th 2014 04:00:07 AM
g: 0 Posted By: MasterDebator
Views: 68 Replies: 0 Kohl's cuts 50% off a selection of comforter sets and quilts.

Take an extra 15% off via coupon code "CELEBRATE". Alternatively, take an extra 20% off orders of $100 or more via code
"JANMB20"
Bedding Deals

Kohl's Coupons
g: 0 Posted By: wtjc
Views: 146 Replies: 0 Kingsoft Office Suite Professional 2013 is a collection of three applications that will serve your document, spreadsheet, and presentation needs, with compatibility with Microsoft Office. One of the better alternatives to Microsoft Office -Today Only

Here (after filling out brief survey) or to skip survey - go directly to Facebook at the following: Link(directly to Facebook)

This is a 1 year lic only for the Pro version. After your year is up you can get the free version Hereif you wish

Kingsoft Office Suite Professional 2013 is a collection of three applications that will serve your document, spreadsheet, and presentation needs, with compatibility with Microsoft Office
First, theres Writer, a dependable and speedy word processing application that can read DOC and DOCX files. You can take advantage of paragraph adjustment tools, cover page settings, tables, and other familiar elements to create stunning documents that will leave people wondering just how you did it!

Next theres Spreadsheets. Featuring super data analysis capabilities and a high level of compatibility with Microsoft Excel, Spreadsheets features a calculator, graphing abilities, and a multitude of other tools. Like your formulas? Spreadsheets supports more than 100 of the most commonly used formulas. Throw in online templates for different purposes, and the ability to save spreadsheet slides as PDF files, and youll love this application!

Lastly, theres Presentation. Capture your audiences attention with Flash animation, sounds, and artistic backgrounds, along with a bunch of templates that let you get started quickly and easily. And just like Spreadsheets, youll be able to print out your slides as PDF files!

Software Deals
g: 0 Posted By: Gauss44
Views: 6 Replies: 0 I had an acquaintance a while back who said that she had to file bankruptcy after having a dental emergency and no dental insurance. I'm truly puzzled by this because my research indicates that Delta Dental's high individual plan (which anyone can purchase, regardless of employer) costs about $600 a year for a maximum of only $1000 of coverage. Based on those numbers, "Why would anyone bother purchasing dental insurance?," I wonder.

In the meantime, I definitely need to see the dentist myself and currently have no dental insurance myself. I could easily purchase insurance but don't see the point. (Do you?) In addition to dental maintenance like cleanings, I may have trouble ahead given that my front teeth have minor cracks near the ends and one of them is getting a white spot on it. I'm truly puzzled as to whether or not I am overlooking a substantial reason to get dental insurance?.. As far as I can tell, I should just pay out of pocket and forget insurance. ("Pay $600 for the possibility of saving $400" doesn't make sense to me.)

Do you all have dental insurance? Why? Why not? Is there a better alternative to dental insurance?
Discussion Deals
g: 0 Posted By: ksenn
Views: 225 Replies: 0 Amazon has the Chezmoi Collection White Goose Down Alternative Comforter for $39.99 with free Super Saver shipping. Also available in Queen size for $34.99. 4.3/5 stars based on over 1000 customer reviews.
Bedding Deals

Amazon Coupons
g: 0 Posted By: heyyl0w
Views: 223 Replies: 0 Bath & Body Works has 5-oz. tubes of C.O. Bigelow Premium Shave Cream w/ Eucalyptus Oilfor $10 each. You can alternatively add 7 tubes to your cart and use code "BEMINE10" to make the price $40 with free shipping.

Item has great reviews on product page and here at Amazon - where this is also $10 a tube. Personally I like C.O. Bigelow products because they never feel waxy or heavy.

The closest, coolest shave on earth. Favored by Italian barbers, this creamy, softening lather protects all skin types, cools the skin and gives a truly exceptional shave. Made in Italy for C.O. Bigelow.

Made in Italy for C.O. Bigelow
Contains active levels of therapeutic apothecary ingredients
Developed by Bigelow Chemists
Contains no artificial colorants and not tested on animals

Health & Beauty Deals

Bath and Body Works Coupons
The Walking Dead: Complete First Season (Blu-ray) - $10.00 ISP @ Target
Added on : Tuesday February 04th 2014 04:00:04 AM
g: 0 Posted By: slervik
Views: 154 Replies: 0 The Walking Dead: The Complete First Season (Blu-ray) is on sale at Target for $10.00 with free in-store pick up. LINK

Alternatively, it is also available at Amazonfor $12.75 with Free Super Saver Shipping on orders over $35.

Reviews from Amazon show 4.6/5 stars based on 1,863 customer reviews.

Next lowest price on Google Productsis around $19.00 after shipping via Rakuten.
Blu Ray Deals

Target Coupons
Room Essentials Down Alternative Comforter Twin - King $19.99 FS @ EBAY
Added on : Monday February 03rd 2014 05:00:05 AM
g: 1 Posted By: iLetTheDogsOut
Views: 64 Replies: 1 http://www.ebay.com/itm/Room-Essentials-Down-Alternative-Comfort...
g: 0 Posted By: remick
Views: 124 Replies: 0 How To Kill Cancer Cells
http://www.amazon.com/How-To-Kill-Cancer-Cells-ebook/dp/B00BH45Q...

5.0 out of 5 stars (12 customer reviews)

Natalie Mitchells Amazon Best Seller second book How To Kill Cancer Cells sets out clear guidelines for readers to create a bodily environment in which cancer cells cannot thrive. Everybody has cancer cells and with the medical technology available nowadays doctors can only diagnose cancer disease when people already have developed BILLIONS of active cancer cells in their body. While the information itself is easy to understand, the Authors clear message is that we, as individuals, can control our susceptibility to Cancer, eliminate Cancer cells and prevent and avoid the disease by controlling and neutralizing, rather than unwittingly nourishing, the bodys natural Cancer cells and their growth.

Natalie Mitchell is an international consulting Nutritionist specializing in cancer prevention and recovery for her clients. For over a decade she has counseled both the healthy and those with Cancer on how to achieve prevention as well as recovery through optimized daily nutrition and diet.

In How To Kill Cancer Cells Ms. Mitchell shares her extensive knowledge and understanding of the extraordinary power of diet and nutrition in preventing and neutralizing Cancer. Her book includes chapters of specific practical advice for those who wish to take an active and personal role in making sure they remain Cancer-free, backed up with frequent reference to research papers from both mainstream and alternative medical sources.



Fight Now: Eat & Live Proactively Against Breast Cancer
http://www.amazon.com/Fight-Now-Proactively-Against-Breast-ebook...

4.5 out of 5 stars (22 customer reviews)

Dr. Tabors FIGHT NOW book provides information on lifestyle choices that might improve breast health and overall health. The purpose of Dr. Tabors medical research is to empower you to become proactive against breast cancer now with specific food and lifestyle choices. We can make specific food and lifestyle choices to lower the risk of getting breast cancer, risk of recurrence, and risk of dying from breast cancer. The only alternative is to be reactive after you get breast cancer or have a recurrence of breast cancer. The choice is clear

Whether you are currently fighting breast cancer; are a survivor; or, simply trying to lower your risk, Dr. Tabors FIGHT NOW book will give you concise, critical information that you can start using today. You dont have to read hundreds of pages, or have a medical degree to reduce your cancer risk. Spend just a few hours reading this book and you will be empowered to Fight Now.

Books & Magazines Deals
g: 0 Posted By: DaysFan
Views: 323 Replies: 4 http://local.amazon.com/national/B00I48O3E428 Lunches and 28 Dinners or $200 to Spend on FoodPersonal Trainer FoodThe Detailsersonal Trainer Food offers an alternative to diet plans -- just eat better food. Change the way you eat, and you can lose weight naturally. Pick up today's deal for access to fresh meals and ingredients that just might make a difference in how you look and feel.

$99 for $200 to spend toward any 28-Day meal program at PersonalTrainerFood.com
$199 ($314 value) for 28 lunches and 28 dinners from PersonalTrainerFood.com
Fresh vegetables, savory meats, delicious nuts, cheese, and more
Convenient "heat & eat" packages are easy to prepare
Each meal program comes with complimentary weight loss counseling
Simple to use and enjoy -- you select your delivery date up to 28 days out

Personal Trainer Food's WebsiteWhat You Need to Know:

Sold by Personal Trainer Food


Not available for shipping to Hawaii and Alaska
Personal Trainer Food does not offer vegetarian or vegan plans
Voucher value includes free standard shipping and tax; please allow up to 7 business days for shipping. Meals are delivered in a single shipment
Ships only to residential addresses
Limit 1 voucher per purchaser; additional 4 vouchers may be sent as gifts
Each voucher must be used by a different individual
Entire value of each voucher must be redeemed in a single order
Voucher valid toward any meal program at PersonalTrainerFood.com
Voucher may not be combined with any other offers, weekly specials, or promotions
Available for use beginning immediately after purchase
PROMOTIONAL VALUE EXPIRES FOLLOWING MAY 16, 2014
PAID VALUE EXPIRES 5 YEARS FROM THE PURCHASE DATE EXCEPT IN THE FOLLOWING STATES, THE PAID VALUE NEVER EXPIRES: CA, CT, FL, ME, MA, MN, MT, NH, NJ, ND, OR, RI, WA

Grocery Deals

Amazon Coupons
Dream Supreme Plus 100% Gel Filled Pillows, Set of 2 $22.99 at Amazon
Added on : Thursday January 30th 2014 11:00:03 PM
g: 0 Posted By: ArtieLange
Views: 130 Replies: 0 Dream Supreme Plus 100% Gel Filled Pillows, Set of 2 $22.99 at Amazon

http://www.amazon.com/Dream-Supreme-Plus-Fiber-Filled-Pillows/dp...


Set of 2 king-size hypoallergenic down-alternative pillows
Polyester gel fiber fill with great loft recovery and no-shift construction
Provides comfortable support for back, side, and stomach sleepers
370-thread-count, 100-percent mercerized cotton shell with jacquard pattern
Machine wash and dry for easy care; backed by 1-year limited warranty

Bedding Deals

Amazon Coupons
g: 2 Posted By: heyyl0w
Views: 274 Replies: 2 Target has the Superman Laptop Messenger Bag (Blue)for $17.23 shipped. Using your REDcard makes your total $10.67 with free shipping! Alternatively, you can get free shipping on orders of $50 or more.

Use code "EXTRA10" at checkout.

This is at least $20 everywhere else I can find it.This men's laptop messenger bag is the perfect pick for Superman fans. It has a large Superman logo and zipper pulls for a cool look. This messenger bag is designed to hold laptops up to 13.3". The laptop compartment is fully padded for protection from impacts. The bag has an adjustable strap, which can be removed to use it as a laptop sleeve.

Shell Material: Polyester
Closure Style: Zip Closure
Compartment details: Interior padded laptop compartment
Fits Laptop: Up to 13.3''
Handle Type: Adjustable Strap, Removable Strap
Dimensions: 12.0 " H x 14.0 " W x 1.0 " D

Laptops Deals

Target Coupons
g: 0 Posted By: ArtieLange
Views: 93 Replies: 0 Chezmoi Collection White Goose Down Alternative Comforter $39.99 shipped at Amazon

http://www.amazon.com/Chezmoi-Collection-Alternative-Comforter-C...

Queen size is a little cheaper
Bedding Deals

Amazon Coupons
g: 0 Posted By: ArtieLange
Views: 71 Replies: 0 Chezmoi Collection Heavyweight Filled Goose Down Alternative Comforter $53.04 shipped at Amazon

http://www.amazon.com/Chezmoi-Collection-Heavyweight-Alternative...
Bedding Deals

Amazon Coupons
g: -1 Posted By: heyyl0w
Views: 242 Replies: 0 Tanga has an 8-pk. of As Seen on TV MicroFiber Magic Reusable Sponges for $7.98 shipped.

A 5-packis $14.95 on Amazon.

Loosens, lifts and traps dirt
Removes ultra-fine particles that traditional sponges leave behind
Grime buster side for caked on foods, sticky messes, tough grease, mold and mildew
Textured side for spills, dishes, soap scum, bathtubs, scuff marks and more
Reduces the need for chemical cleaners
Use over and over; simply toss in the dishwasher to clean
Saves money on disposable sponges/scouring pads, paper towels, chemical cleaners and more
Provides an eco-friendly alternative to conventional cleaning sponges
Soft on hands but tough on dirt
Each sponge measures 5 4 1 inches ( L x W x H)

Home & Garden Deals

Tanga Coupons
g: 0 Posted By: lakrzfan
Views: 173 Replies: 0 Amazon Link

If you don't have Prime, alternatively it can be picked up from WalMart for the same price.

Walmart Link
Blu Ray Deals

Amazon Coupons
Interactive Brokers margin loan for real estate purchase?
Added on : Wednesday January 29th 2014 08:00:11 AM
g: 0 Posted By: jkbrennan77
Views: 37 Replies: 0 I'm looking to build a new home and don't want to sell stock to do it. Interactive Brokers (IB) margin rates are 1.57% on the first $100k and 1.07% on the next $900k. I currently pay 2.875% on my mortgage and would expect to pay more on a new loan in particular if it was a construction loan. A Schwab Pledged Asset Line seems to be over 3.5% (1-month LIBOR plus 3.4+%).

I expect to borrow around $400k for the new home. Why wouldn't I just transfer ~$1.2 million worth of stock into an IB account and use margin to pay for the new home? (For tax purposes I would be taking separate cash out and using the margin to pay for the stocks).

I understand there is market risk and if the stock portfolio fell below $600k (?) I would risk a margin call. I would use mid and large cap US stocks and ETFs that presumably have low margin requirements (long holdings, no shorts, no options, etc.).

I also understand there is margin rate risk that the margin rate could go up over what I could get in a traditional mortgage. I don't believe the fed funds rate is going up to 2.5%+ in my time frame of the next 5 years. Also, I will likely sell my current home once the new one is complete (within 6-12 months of starting construction/initiating the margin loan) and could use the money from that to pay off the margin loan if rates go up.

They mention a $10 minimum trade commissions per month but a.) that's trivial compared to the interest savings b.) based on their fees I might do that anyway and c.) that seems to be waived for accounts over $100k. Will they throw me out if I just let the account sit there and just make a trade or two each month?

Are there other costs/risks to the IB accounts or margin loans I'm not accounting for?

Are there better alternatives I should be considering? Where better would be still sub-2% interest rate but with lower interest rate risk or market risk and without paying high closing costs or points. I'm willing to put up as much as $1.5 million in equities and the house worth $600k as collateral.
Investing Deals
g: 0 Posted By: jaymanthegreat
Views: 40 Replies: 0 Eclipse Samara Blackout Energy-Efficient Curtain $9.87- $11.97

Item Description:

Bring warmth and style to your room with the Eclipse Samara Blackout Energy-Efficient Curtain. The blackout window panel completely blocks out all light in a room when closed. The Eclipse Samara Blackout Energy-Efficient Curtain also insulates and contains warmth during cold months to your room. The energy saving curtain is much preferable for its cost effective heating and cooling solutions. The room darkening curtain can be hung in your bed room or living room, and even in your office cubicle windows.

Eclipse Samara Blackout Energy-Efficient Curtain:

Light-reducing
Noise-reducing
Energy-saving
Textured tone-on-tone design provides alternative to solid curtains
Hang them in your living room, bedroom, office, nursery or kid's room
Use 2 window panels on a standard or decorative rod for optimal coverage
Polyester/cotton blend
Care: machine wash; tumble dry; do not bleach
Sold as single panels
Imported
Also Available:Eclipse Samara Blackout Energy-Efficient Valance
Bundle and save: Efficient Curtain, Set of 2 Bundle
Bundle and save more! : Efficient Curtain, Set of 4 Bundle

http://www.walmart.com/ip/Eclipse-Samara-Blackout-Energy-Efficie...
Spencer's: Clearance BOGO $1 or FS $25+ AC
Added on : Tuesday January 28th 2014 03:00:06 PM
g: 0 Posted By: heyyl0w
Views: 316 Replies: 0 Spencer's has their clearance section for BOGO $1. Use code "SAVENOW" at checkout.

Alternatively, you can receive free shipping on orders of $25 or more with code "WHIPIT".

I couldn't get the codes to stack, so use whichever saves you more! They have a lot of their adult-oriented items on sale as well as drinking accessories and random home items.

Shop "Naughty"
Shop Fun & Games
Shop Home & Dorm
Shop Trends & Music
Shop Brand Name

Gifts Deals
g: 2 Posted By: jaytrader
Views: 234 Replies: 14 I'll be the first to admit that this is not directly related to finance, but rather indirectly. I just got hit by a potentially huge issue last night, after connecting some dots.

See facts below.

Fiancee's father opened LLC in her name in 2004 (she was/is the sole member) because the father is in a union and cannot have his own company (to bill out side jobs) doing the same line of work he performs in his union.
Fiancee and I are getting married toward the end of this year (2014). Fiancee's father recently contacted her to help him write up an invoice for a decently high valueside job.
I dug a bit deeper and realized no income has ever been reported on behalf of the LLC, nor has any of her tax returns shown business income. It is unknown if he's ever utilized the company for billing purposes before recently.
Her father claims he "gets a W2 from [his] clients and puts it on [his] tax return." Anyone with half a brain knows this is impossible (he's not a member of the LLC), not economical for the client(s) (1099 vs W2), and would prove that he's doing side work to his union if he were ever "audited" by the union.
I looked online last night, and the state government site says the LLC is "ACTIVE" and she is listed as the DOS Process contactand Registered Agent.
In my opinion, the fact that there is now an invoice with the LLC name on it shows that there was work done by the company and poses an insurance liability.
Based on what I know about her father, the company has no insurance at all.


I know damn well that I'm not paying taxes on revenue that I didn't see/create. Not to mention, there is possible tax evasion/fraud that has happened in the past (whether intentional or not, doesn't matter). Also, there is now a potentially huge risk/liability, should any of the work her father (or his laborers) performed become faulty or fail and cause injury or death.


Questions

What do I do? I want to protect myself (meaning, want her off the company before we're married) as well as her ASAP.
Is thererisk regarding the work failing and causing injury or death, or am I incorrect? If so, who's at risk? The company or her father directly?
Is there past tax evasion/fraud risk? She had no knowledge about his use of the company up until the last week. She knew she was once on the company, but was told last year that her father "thinks she's no longer involved."
Am I paranoid? I know people do this type of thing often, but involving your kids for ten years and then billing on behalf of the child's company (legally/technically) is shady (IMO, of course).


I am prepared to dissolve the LLC and let her father be butt hurt over it, if I have to. The alternative is to push off the wedding until this is resolved. I told my fiancee that I'm not going to willingly marry her when she's part of this. I know she would never do something like this intentionally, and she told me that she didn't know any better when she signed the paper work in 2004. However, she now knows, and I told her this could potentially be a huge issue for her and her father, should anyone get audited or his clients get audited.

Thanks in advance.

Personal Finance Deals
g: 0 Posted By: remick
Views: 103 Replies: 0 https://www.recyclebank.com/reward/one-free-reusable-green-food-...

The perfect alternative to plastic baggies for sandwiches, snacks and leftovers. Our wraps also double as an on-the-go placemat. Replace disposable snack bags with this BPA-free alternative!

There is no printed or mailed coupon for this reward. UKonserve will ship the items directly to your address per your Recyclebank account information. Please allow 4-6 weeks for delivery. Promotion ends 03/31/2014.
Surveys & Rewards Deals
g: 5 Posted By: remick
Views: 439 Replies: 0 http://www.amazon.com/Defying-Age-Food-Vitality-Exercise-ebook/d...

5.0 out of 5 stars (23 customer reviews)

In a society that spends billions of dollars annually in seeking better health and appearance through pills, powders, drinks, hormones, exercise obsession, gym memberships, and medical drugs, Freda Mooncotch is making a very bold proclamation with the title of her new book Defying Age With Food: Reclaim Your Health, Energy & Vitality. Its What You Eat, Not How Much You Exercise! Can we really defy the aging process with what most of us take for granted each day our food? Freda says we most certainly can in fact dramatically slow our inevitable passage of life while attaining superior health and vitality.

The pages of her new release are not filled with theories, conjecture or speculations; they tell the riveting tale of a womans plight to regain her health. In describing her story, Freda literally runs the gauntlet of healing protocols from both the orthodox medical and alternative health fields. What the author accomplished in her success not only gave back her health and beauty, but fired a few heavy artillery rounds across the bows of a good number of our sacred cows such as excessive exercise, fad dieting, mega-dosing on supplements, and a pharmaceutical drug reliance that has forged the industrialized world.

This is a must read for anyone wishing to seriously upgrade their nutritional knowledge.
Totally Free Deals
g: 0 Posted By: remick
Views: 58 Replies: 0 http://www.amazon.com/Defying-Age-Food-Vitality-Exercise-ebook/d...

5.0 out of 5 stars (23 customer reviews)

In a society that spends billions of dollars annually in seeking better health and appearance through pills, powders, drinks, hormones, exercise obsession, gym memberships, and medical drugs, Freda Mooncotch is making a very bold proclamation with the title of her new book Defying Age With Food: Reclaim Your Health, Energy & Vitality. Its What You Eat, Not How Much You Exercise! Can we really defy the aging process with what most of us take for granted each day our food? Freda says we most certainly can in fact dramatically slow our inevitable passage of life while attaining superior health and vitality.

The pages of her new release are not filled with theories, conjecture or speculations; they tell the riveting tale of a womans plight to regain her health. In describing her story, Freda literally runs the gauntlet of healing protocols from both the orthodox medical and alternative health fields. What the author accomplished in her success not only gave back her health and beauty, but fired a few heavy artillery rounds across the bows of a good number of our sacred cows such as excessive exercise, fad dieting, mega-dosing on supplements, and a pharmaceutical drug reliance that has forged the industrialized world.

This is a must read for anyone wishing to seriously upgrade their nutritional knowledge.
Totally Free Deals
In replace of Chase sapphire preferred card
Added on : Friday January 24th 2014 03:00:05 AM
g: 0 Posted By: voonli
Views: 0 Replies: 0 So I have recently terminated my chase sapphire preferred card because I did not want to pay for the annual fee. However, I found that I could actually have more use for it this year but Chase couldn't reinstate my account. So what is the best alternative out there with similar benefits?

The most important few things that I'm looking for is
No foreign transactionfee, at least 2 points for each dollar spent on travels and roadside assistance.

I looked at Capital One Venture card and found that it has similar benefits without roadside assistance but I would like to see if there are other alternatives. Also I'm not familiar with Capital one card and how easy/hard it is to redeem the points. So can someone give me some details on it?

Thanks in advance!
g: 0 Posted By: jessicadabears
Views: 253 Replies: 0 Hamilton Beach Fizzini Hand-Held Carbonated Soda Maker (Silver) (Model# 85101)for $24.00 w/ 4.97 Shipping at WalMart. Free Shipping on orders $50+.

Great tasting, affordable alternative to store-bought sodas
Simply twist, carbonate and enjoy
Make your favorite soda right at home
Simply add your favorite flavor
Earth-friendly and economical
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10 recyclable single-use 8g CO2 cartridges
1 quick-connect 1-liter BPA-free bottle
Adjustable fizz control
Plain water in and sparkling water out
Limited warranty
Dimensions: 3-in.L x 3-in.W x 17in.H

Next lowest price on google productsis $49.00
Appliance Deals

Walmart Coupons
For all those who got dropped from LOGMEIN - Teamviewer is FREE
Added on : Wednesday January 22nd 2014 11:00:09 AM
g: 0 Posted By: SAGAFTRA
Views: 133 Replies: 2 TeamViewer
Because Logmein was very unprofessional and just discontinued their free service without warning - I've looked into another alternative remote access for your computers. Enjoy-


Totally Free Deals
g: 3 Posted By: Virgil27
Views: 457 Replies: 3 Craftsman 7pc Open End Ratcheting Wrench Set, Standard SAE @ Sears - $9.99
compare at $52.99
Free In-Store Pick-Up"If you can dodge a wrench, you can dodge a ball!" Get seven wrenches to throw (or alternatively, fix stuff) with this Sears deal on seven Craftsman Open End Racheting Wrenches for $43 off the next lowest price with free in-store pick-up. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Tools Deals

Sears Coupons
g: 0 Posted By: heyyl0w
Views: 175 Replies: 0 E.L.F. Cosmetics has Free Shipping on orders of $15+today only. Enter code "DREAMY" at checkout. Free shipping threshold is usually $35.

Personally, I like their skincare and brushes as well as most of their eye products. Read the reviews to decide if something is best for your needs. Sometimes the item descriptions can be a little misleading.

One option to get your $15 worth would be to get a mini makeup set. You'll receive a variety of products while spending the minimum amount you need to use the coupon code.

Here's a mini 27-piece palettefor $15. I bought it for my cousin for Christmas and she loves it. Alternatively, here is onefor $20 that has 83 pieces - usually it's $35.

Happy shopping
Health & Beauty Deals

e.l.f. Cosmetics Coupons
taxes for a first time landlord
Added on : Saturday January 18th 2014 06:00:12 PM
g: 1 Posted By: psychtobe
Views: 210 Replies: 3 Savvy FWF real estate investors,

Can you provide any general corrections to my rudimentary understanding based on internet research and a quick book skim?

Property: a second home purchased as a rental/investment property in July 2013, $26,500 down and $160,000 borrowed (documented loan from a family member, 12 years 3.25%). We have a property manager who charges $399 to place a tenant and $100 per month. The property was rented at the end of August 2013.

Expenses and Income (I tried to group by category):

$3000 improvements (new shower/bathroom update)
$3000 repairs
$400 insurance
$1000 taxes
$1800 interest
$600 pre-purchase inspections
$500 settlement charges

$400 pre-rental cleaning, etc
$800 property management fees

$5300 total rent

This is what I believe I understand:
1. I cannot deduct any passive income against my personal income because I am not an active property manager nor a real estate professional; and also because my income is greater than $150k.
2. I can deduct depreciation of the property structure (but not the land) as part of my expenses. I can also deduct the cost of the $3000 improvement but must do so on a depreciation schedule. If I do either of these then I will have to pay tax on the lower cost basis when I sell the property.
3. All of the costs I've listed above are deductible against any income I've received, obviously excepting the purchase price (down payment and principal payment) of the property. I can also deduct mileage for travel to/from the property.

Questions:
1. Obviously I have more expenses than income in 2013. Am I able to carry forward some or all of those unused expenses for 2014 and later? The internets says I can.
2. Am I correct in understanding that I cannot count any of these excess losses against my personal income for the reasons stated above?
3. Can I carry forward losses to use against future price appreciation of the property such that when I sell it, if it has risen in price, I can mitigate any taxes owed?
4. Are any of the expenses I've listed above 'not acceptable' for the purposes of calculating my losses?
5. If I do depreciate the structure and/or the improvements, and then I move into the property for at least 2 of the previous 5 years before selling it in the future, have I just completely avoided paying tax (because of the capital gains exemption for a primary residence of $500k for a married couple)?
6. Is TaxAct Deluxe going to adequately walk me through my scenario? What are my alternatives? I'm not too interested in finding a good CPA.

thank you!

Tax Deals
g: 0 Posted By: heyyl0w
Views: 333 Replies: 0 Finish Line has Reebok Women's Classic Nylon Slim Casual Shoes in Purplefor $24.98. Shipping adds $5.49. Alternatively, you can pick these up in store if you can find one with them in stock.

List price is $54.99. Currently available in sizes 6-10. Style #V48310PPL

"Resurrect your commitment to the classics with the Reebok Classic Nylon Casual Shoes. Retro swag and comfort collide in these kicks, so you'll feel as good as you look every step of the way. Featuring a nylon and suede upper and a padded foam insole, the Classic Nylon delivers support and comfort while an EVA midsole provides top-of-the-line shock absorption. Whether you're running around the track or to class, legendary Reebok comfort is ready to cradle your foot from morning to night. Meet your sole mate."FEATURES:

UPPER: Nylon and suede
MIDSOLE: EVA
OUTSOLE: Rubber
IMPORTED

Shoes Deals

Finish Line Coupons
Low running cost car with some style?
Added on : Tuesday January 14th 2014 02:00:08 PM
g: 0 Posted By: marketingmike
Views: 170 Replies: 5 My truck got totaled. I was not at fault and there were no injuries. Good news is that it's drivable and I'll settle out, buy it for salvage, fix it up a little and continue to use it as a beater/tow vehicle. Should come out way ahead on this deal.

However, I'll need something for a daily driver and I have no interest in spending a lot of money. The answer is always "Crown Vic" however is there something that's got reliability / low cost of repair like a Vic but a little more style? I will need something with a little room; no Miatas though actually if I were a lot shorter that would potentially be a good option.

When I say "a little more style" and "a little room" that rules out many of the usual suspects including many/most/all the Japanese Commuting Appliances. Open to suggestions.

Saab? Volvo?

If there's no reasonable alternative a Vic it will be.
Personal Finance 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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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!

~~ Why choose ZenMate? ~~
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
g: 0 Posted By: heyyl0w
Views: 305 Replies: 0 Amazon has Metal Gear Solid V: Ground Zeroes Pre-Order (PS4)for $39.99. Shipping is free. Also available on the Xbox One.

Alternatively, you can pre-order it for the Xbox 360for $29.99 or the PS3for $29.96 if you weren't one of the lucky ducks that got a next-gen console.

Release date is March 18. If the price decreases between purchase and release date, you'll receive the lowest price.

Here's a linkto 2 trailers that show gameplay.

THE POWER OF FOX ENGINE - Ground Zeroes showcases Kojima Productions' stunning FOX Engine, a true next-generation game engine which revolutionizes the Metal Gear Solid experience.
INTRODUCTION TO OPEN WORLD DESIGN - The first Metal Gear Solid title to offer open world gameplay. Ground Zeroes offers total freedom of play: how missions are undertaken is entirely down to the user.
UNRESTRICTED STEALTH - Imagine classic Metal Gear gameplay but with no restrictions or boundaries. Players use intelligence and cerebral strategy to sneak their way through entire missions, or go in all guns blazing.
MULTIPLE MISSIONS AND TASKS -Ground Zeroes boasts a central story mode and Side-Ops missions ranging from tactical action, aerial assaults and "covert" missions that will be sure to surprise.
REDESIGNED INTERFACE - Ground Zeroes users will benefit from a clean in-game HUD that shows the minimal amount of on-screen data to give a more intense gaming experience.

PS4 Games Deals

Amazon Coupons
g: 1 Posted By: DCrombie
Views: 219 Replies: 1 Nokia DT-900 Wireless Charging Pad for Qi Wireless Enabled Smartphones Including Nexus 4/5, HTC 8x, Nokia Lumia 720, 820, 920, 925 and 1020 for $24.50 +Tax and Free ShippingAvailable in Black & White color

http://www.att.com/shop/wireless/accessory.chargers-nokia-black-...

P.S. Dailysteals deal will be expiring in few hours; in case you don't want wait for shipping instead you want to pick it up from closest AT&T store. so this is a better alternative.

Batteries & Chargers Deals
PenFed Now Offering Rate Reset Protection on Select Mortgages
Added on : Tuesday January 07th 2014 10:00:17 AM
g: 2 Posted By: desikid
Views: 246 Replies: 1
Up to five rate "borrower selected" rate resets over the life of the loan mortgage
No fee to reset the rate
Provides an alternative to the refinance process
Loan maturity date remains the sameno new 30-year amortization required


http://finance.yahoo.com/news/penfed-now-offering-rate-reset-protection-select-mortgages-200000775.html


General Economics Deals
AllPosters.com: 30% Off Sitewide w/ Code "TAV967"
Added on : Monday January 06th 2014 04:00:05 PM
g: 0 Posted By: heyyl0w
Views: 36 Replies: 0 AllPosters.com has 30% off sitewide with coupon code "TAV967" applied at checkout. Can be used on top of the 75% off semi-annual saleprices.

Alternatively, you can use the code "NEWYEAR25" to receive 25% off select posters.

Coupon codes do not stack.

g: 0 Posted By: remick
Views: 162 Replies: 0 Closer: Devotions to Draw Couples Together (was $13.99)
http://www.amazon.com/Closer-Devotions-Draw-Couples-Together-ebook/dp/B00B853OA4

4.8 out of 5 stars (8 customer reviews)

The Love Dare challenged individuals to love their spouse more. Closer shows wives and husbands how to grow that love together. Introduced with Scripture verses and engaging stories, these 52 devotionals will inspire couples to draw closer through faith conversations--those quiet talks so vital for emotional and spiritual intimacy in a marriage. Guided, practical action steps round out each reading. Closer, with its flexible weekly format, is an appealing alternative to a daily devotional.




Believing God(was $22.95)
http://www.amazon.com/Believing-God-Beth-Moore-ebook/dp/B0032UDV4M

4.7 out of 5 stars (146 customer reviews)

Join best-selling author and Bible teacher Beth Moore in her latest book as she explores what it means to know and truly believe God, not just to believe IN Him. Through the examples of believers like Abraham and Moses, who trusted God's promises, Beth encourages Christians of all ages to deepen their own trust in God, live out their faith and receive a fresh word from Him.



When Godly People Do Ungodly Things: Finding Authentic Restoration in the Age of Seduction (was $19.99)
http://www.amazon.com/When-Godly-People-Ungodly-Things-ebook/dp/B003WEA50G

4.7 out of 5 stars (82 customer reviews)

It is reported in the headlines, confessed in the pulpits, and hidden in the pews in churches around the world. The seduction of Gods people by the deceiver is a tale as old as the garden, but we are always surprised when it happens. We must realize that Satan is a lion on the prowl and we are his prey.
Beth writes with a passion fueled by the Biblical warnings of the schemes of Satans seductive activity and the broken-hearted concern of a teacher who receives countless letters from repentant Christians limping on the road to finding restoration. Delivering dire warnings to Christians to safeguard themselves against Satans attacks, Beth also reveals how you can know if someone is vulnerable. Beth writes, We, Christs church, are in desperate need of developing His heart and mind in issues like these. She fears that often God is far more merciful than the Body of Christ is with the deeply repentant and those desperate to find their way home. When Godly People Do Ungodly Things will be a guide to authentic repentance and restoration.



The Beloved Disciple (was $19.99)
http://www.amazon.com/Beloved-Disciple-Beth-Moore-ebook/dp/B003WEA5BU

4.8 out of 5 stars (27 customer reviews)

John the apostle must have thought he had seen everything. Having been with Jesus all the years of his ministry, John witnessed more miracles than he could count, saw more displays of power than he could comprehend, and experienced more love than he could fathom. And one unforgettable morning young John outran Peter to his Saviors empty tomb. Just as Christ took John on a lifelong journey into the depths of His love, He will do the same for you. The bridegrooms love is unmatched and inexhaustible, and He is waiting to lavish it on you, His beloved.



To Live Is Christ (was $19.99)
http://www.amazon.com/Live-Christ-Beth-Moore-ebook/dp/B003WEA5C4

4.4 out of 5 stars (22 customer reviews)

In To Live Is Christ, best-selling author Beth Moore travels on a spiritual odyssey through the life of one of Christianitys most fervent journeymen, the apostle Paul, tracing his story from childhood to martyrdom.
Proclaiming his faith as a benchmark in New Testament Scripture, Beth writes, "I have accepted many of Pauls words as a personal challenge. I want to know Christ has become my plea. To live is Christ and to die is gain has become my hope. And to borrow his words once more, Not that I have already obtained all this . . . but I press on."
Pauls undying passion for Christ continues to inspire and challenge those with a deep spiritual hunger for the things of God. Readers will be greatly refreshed by the obvious mercy of God that causes those who have failed him to repent and serve him wholeheartedly and effectively.



Pray the Scriptures Bible: Psalms and Proverbs (was $9.99)
http://www.amazon.com/Pray-Scriptures-Bible-Psalms-Proverbs-ebook/dp/B005UEXF58

4.3 out of 5 stars (7 customer reviews)

First-of-Its-Kind Bible Combines the Full Text of GOD'S WORD with Thousands of Prayers
For those interested in centering their prayers on the foundation of Scripture, this Bible will be an encouraging companion to daily Bible reading and prayer. Bestselling author Kevin Johnson presents an approach to the power of biblical prayer by offering Scriptures that inspired them. Readers will pray with more confidence, learning to apply Scripture to their lives and pray words they know God will hear.



Everyday Prayers: 365 Days to a Gospel-Centered Faith (was $6.99)
http://www.amazon.com/Everyday-Prayers-Days-Gospel-Centered-Faith-ebook/dp/B005GMYADU

4.7 out of 5 stars (74 customer reviews)

How would life be different if we could think, see, and do all things in light of the person and work of Jesus? With this inspiring collection of 365 Scripture-centered prayers, Scotty Smith helps readers pray the Scriptures through the lens of the gospel, mining the resources of God's grace and applying them in every season of life. He frees readers to abandon any posing or pretending in favor of an honest, no-spin relationship with a God who claims them as his own.
Each day includes a Scripture reference and an inspirational original prayer, born from both moments of great faith and moments of crisis. Like a modern-day book of Psalms, Everyday Prayers is a year's worth of growing in grace that readers will lean on year after year.




Books Deals

Amazon Coupons
g: 0 Posted By: ArtieLange
Views: 246 Replies: 0 Newegg has the tiny Patriot Autobahn 16GB USB 2.0 Flash Drive for a low $6.69 Free Shipping after $5 rebate and 10% off Coupon Code: "MASTERPASS" when you check out with MasterPass (Exp 12/31). $0.99 Shipping.MasterPass is an alternative checkout system similar to V.me by Visa. You do NOT need to use a MasterCard. Visa, AMEX, and Discover cards are all valid options.Tiny size, capless design, 5yr limited warranty, small ring so you can attach it to a keychain

http://www.newegg.com/Product/Product.aspx?Item=N82E16820220753
USB & Flash Drives Deals

Newegg Coupons
g: 0 Posted By: jessicadabears
Views: 177 Replies: 0 Kohl's Coupons:

Spend $100 or More & Save 20%W/ Promo Code HAPPY

Spend Under $100 & Save 15%w/ Promo Code NEWYEAR

White Sale 50% Off:

​Pillows & Mattress Pads
Fleece & Flannel Sheet Sets
Down & Down-Alternative Comforters
Blankets & Heated Bedding
Bath Towels & Rugs

Also: 30%-40% Off Bras(Select Styles)

CouponsEnd - 01/01/14
Clothing Deals

Kohl's Coupons
g: 0 Posted By: ArtieLange
Views: 126 Replies: 0 Newegg has the refurbished Ooma TELO VOIP Internet Home Phone w/ 1-Year Warranty, for a low $80.99 Free Shipping and MASTERPASS

http://www.newegg.com/Product/Product.aspx?Item=N82E16833888016

MasterPass is an alternative checkout system similar to V.me by Visa. You do NOT need to use a MasterCard. Visa, AMEX, and Discover cards are all valid options.

Landline Backup Option
Low cost international calling
Online call log
Free in-network calling
Advanced network/firewall configuration
Caller ID

Electronics Deals

Newegg Coupons
SiliconDust HDHomeRun Dual Networked HDTV Tuner $53.99 at Newegg
Added on : Saturday December 28th 2013 12:00:05 PM
g: 1 Posted By: ArtieLange
Views: 293 Replies: 0 Newegghas the SiliconDust HDHR3-US HDHomeRun Dual Networked Attached HD TV Tuner for $53.99 Free Shipping after Coupon Code: "MASTERPASS" when you check out with MasterPass from MasterCard (Exp Soon).
MasterPass is an alternative checkout system similar to V.me by Visa. You do NOT need to use a MasterCard. Visa, AMEX, and Discover cards are all valid options.

http://www.newegg.com/Product/Product.aspx?Item=N82E16815345007

Dual Digital TV Tuner
ATSC & ClearQAM
1080i HD Resolution
100baseTX high speed network
Windows/ Mac/ Linux Compatible

Electronics Deals

Newegg Coupons
g: 5 Posted By: BigBoyMichigan
Views: 1590 Replies: 0 Free or Discounted Programs, Year Round - Nationwide List

Alternative Designated Driver Services Available - Nationwide List


Other Free, Reimbursement or Discount Cab Fare Offers - NEW YEARS EVE WEEK

Check website on Restrictions BEFORE calling getting service, Some drinking venues offer Incentives for "Designated Drivers" such as Free non-alcoholic beverages, Discount game tickets to drive your drunken buddies home.

■Washington DC Metro Area........................................Free Taxi Fare
■Washington DC Metro Area........................................Free Bus Fare
■San Francisco Metro Area, CA...................................Free Taxi Fare
■Northern California......................................................Free Taxi Fare & Car Tow Home
■Northern California......................................................Free Fare & Car Tow Home
■ Southern California (Certain Counties)...................Free Fare & Car Tow Home
■Long Beach, CA.............................................................Free: Bus / Taxi Fare & Tow Home​
■Charlottesville, VA.........................................................Free Taxi Fare
■Corpus Christi, TX.........................................................Free Taxi Fare
■ Salt Lake City, UT..........................................................Up To $35.00 Reimbursement
■ Homer, AK.......................................................................Free Taxi Fare
■ Hancock / Houghton, MI..............................................Free Taxi Fare
■ Storm Lake, Iowa...........................................................Discounted Taxi Fare
■Nevada............................................................................Free Taxi Fare & Car Tow Home
■Utah.................................................................................Free Taxi Fare & Car Tow Home
■ Florida.............................................................................Free Fare & Car Tow Home
■ Georgia...........................................................................Free Fare & Car Tow Home
■ Tennessee.....................................................................Free Fare & Car Tow Home
■ Arizona...........................................................................Free Fare & Car Tow Home
■New Jersey (Certain Counties)................................Free Fare & Car Tow Home
■South Dakota (Certain Counties).............................Free Fare & Car Tow Home
■Oklahoma(Certain Counties)..................................Free Fare & Car Tow Home
■Nevada...........................................................................Free Fare & Car Tow Home
■ Utah................................................................................Free Fare & Car Tow Home
■ Virginia (Certain Counties).......................................Free Fare & Car Tow Home
■Northwest Ohio(Certain Counties).......................Free Fare & Car Tow Home
■ Alaska(Certain Counties)........................................Free Fare & Car Tow Home
■ Texas..............................................................................Free Fare & Car Tow Home
■ New Mexico...................................................................Free Fare & Car Tow Home
■ Hawaii............................................................................Free Fare & Car Tow Home
■ Alabama.........................................................................Free Fare & Car Tow Home
■Hartford, CT Metro Area.............................................Free Fare & Car Tow Home
■ Ohio (CertainCounties)............................................Free Fare & Car Tow Home
■Cincinnati, OH.............................................................Free Fare & Car Tow Home
■Southern West Virginia..............................................Free Fare & Car Tow Home
■ Kansas...........................................................................Free Fare & Car Tow Home
■Kansas (Shawnee County -Topeka area only)......Free Fare & Car Tow Home
■Connecticut (Certain Counties)...............................Free Cab Fare
■Kentucky........................................................................Free Fare & Car Tow Home
■Indiana............................................................................Free Fare & Car Tow Home
■ Kalamazoo, MI - Western MI Univ. Students Only..Free Fare
■ Houston, TX...................................................................Free Bus / Light Rail Fare
■ Milwaukee, WI................................................................Free Bus / Light Rail Fare
■ Twin Cities, MN.............................................................Free Bus / Light Rail Fare
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g: 5 Posted By: BigBoyMichigan
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g: 2 Posted By: BigBoyMichigan
Views: 580 Replies: 0 Free or Discounted Programs, Year Round - Nationwide List

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g: 0 Posted By: ArtieLange
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Added on : Thursday December 26th 2013 06:00:04 PM
g: 0 Posted By: squanderer
Views: 78 Replies: 0 wonderful 101 for the wii u for $28 at Newegg + free shipping

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Added on : Thursday December 26th 2013 02:00:07 AM
g: 0 Posted By: manlymatt83
Views: 26 Replies: 0 I'm with Bank of America now and have been trying to move away from them for multiple reasons - primarily, the customer service is horrible. I saw that Capital One Business Checking is supposed to be good. Would anyone recommed them? Or perhaps another alternative? The business is based in Boston, if that helps. We're a small business, so something like ~$1500/mo is fine, but can't do $25k/mo minimum or anything like that.
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Sony Dualshock 4 controller + Knack $75 at Best Buy after GC
Added on : Wednesday December 25th 2013 08:00:05 PM
g: 0 Posted By: terroralpha
Views: 217 Replies: 0 Add a dualshock 4 controller and a copy of Knack to your cart and the price will be lowered by $20 and free $25 GC will be added to your cart.that makes the price $75 (before tax).

here is the best part. after you get the game you can trade it in back to best buy for $30 or $40 (trade in value varies by region) in store. best buy is currently running a bonus trade in promowhere you get 50% to 100% bonus on your trade ins. that brings the cost of your dualshock 4 to $35 to $45. if you are a gamer's unlocked memeber like me, the total price becomes $27 to $37 and you get a lot of bonus points

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discover card holders should use shopdiscover to get another $5 back
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Added on : Wednesday December 25th 2013 10:00:02 AM
g: 0 Posted By: bittul
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g: 0 Posted By: itsausername
Views: 139 Replies: 0 In the wake of yet another instance of widespread data compromise for the purposes of financial fraud, I thought we should have a discussion of information security as viewed mainly from a financial perspective. While in the case of the Target_ compromise, there may be little that we can personally do to avoid a repeat, the more routine sorts of fraud are more readily influenced by individual behavior.

None of this is particularly new as I expect that it has been repeatedly discussed over time in disparate threads of this board. I would like a more concentrated form of that to be established here.

Financial security is often compromised by our own activities and careless guarding of related details. Not all of this is even under our direct control, but being circumspect about what we can protect is crucial_.

If someone has targeted you for theft, be it digital or otherwise, it is likely you will be compromised to some extent. Over the years, many of our personal details become widely distributed. Further, information aggregation business are out there, simplifying research done by others, including unscrupulous parties.

Most of what I'm concerned about herein is the prevention of casual/incidental abuses that stem from our personal lapses in privacy/security.

Has all this worked for me? Yes and no. Over the years, I've had the occasionally fraudulent CC charge appear and have always been able to get it expunged, sometimes also replacing the related card. So far so good, but the less of it the better.

Also, I don't do all of these things. This is time consuming and somewhat endless due to the moving target_ that is the information age. Securing things often means much less convenience will follow; it is a balance to be sure. Yet I do much of the below and am interested in seeing what others do in addition to this and/or how the FWF community adapts them to their own situations.

The better content should be placed in the quick summary along with proper credits to their posters since reading a long thread (if this becomes that) is not something a lot of casual readers will be inclined to do.

What follows is my personal list, many aspects of which are 'obvious' or will surely not suit others here. It is also far from comprehensive but provides a discussion starting point. To each his own, of course:
:
Online accounts

userid/password/security keys
- Randomize them all, make them strong! After that, you'll probably need to look them up with each usage or trust an account management program. Backups will become crucial_.
- Avoid use of the same entries across multiple sites.
- Verification questions need not have relevant answers. E.g.: What was your first pet's name? "^BxaAp43O", sure seems like a mouthful, but it's more secure than 'Spot'.
- Secondary security elements may be simple/weak as long as they are encapsulated by a strong initial layer which itself cannot be bypassed. I'll leave the 'connecting of dots' to the reader, but the next topic is one encapsulation method I like.

Encryption

Use TrueCrypt; learn how to apply it. Protect all media containing financial information. Specifically, I suggest usage of device level encryption. If not TC, use what you like, but encrypt that financial data! I personally question the strength of Microsoft Office's (and other application suites) built in file encryption/password protection, but something is better than nothing. Do it. Do it now.
Selectively encrypting your email is nice too, but should be rarely need and often means educating recipients which can be royally painful. As an alternative, call or visit the other party if it is necessary to convey sensitive information. Never plain text email account credentials to anyone. Use your online account's 'secure email' option when communicating with your financial institutions.

Digital backup

Use the 'cloud' to store strongly encrypted backups and keep them current. Such could even be posted to Usenet. Trust in your encryption, not the service provider.
Store copies on solid state media like USB sticks. I've had sticks go through the laundry and survive unscathed, but all things fail so treat accordingly.
- Off-site a routinely refreshed copy, e.g. work/home exchange of a pair of encrypted sticks.

Physical records

Shred them before you throw them out: bills, application forms, courtesy checks, statements, etc.
- Storage should not be on the kitchen counter for any persons to see/browse/appropriate; keep them under lock and key and destroy when no longer useful.
- Consider elimination of billing statements via auto pay methods.
Alter the CVV codes on the back of your physical cards. Adopt a secret method of alteration and write the new number in place of the original. Writing an altered form of that often forgotten or rarely used ATM/Debit card PIN on the card itself becomes relatively safe to do as well. While I'm on the topic, don't sign your CCs, it often causes cashiers to check for photo ID. A thief can sign it of course, but it would provide more evidence that you did not authorize the usage in the event of a signature verification.

Email

Limit what details are routinely sent to your email account by bill payment systems.
- Providers, among others, all along the delivery chain are known to do 'market research' via scans of your email content; this is *not* encrypted. Consider what you receive/send by email as equivalent to having been posted on a public bulletin board.

Swipes

Inspect publicly accessible readers (e.g. pumps, ATMs) for skimming paraphernalia. The 'good stuff' may be hard to spot, but observation over time at the same device can help you recognize 'normal' and give pause when something has changed.

Online CC

When available, use the virtual account number features of your CC provider.
- Setting a preauthorize transaction limit and near-term expiration can prevent all sorts of unauthorized tomfoolery.
Avoid saving/registering payment details such as card numbers with each vendor.

Other access restriction*

Disable the cash advance feature of your CC if you don't intend to use it. A call to the issuing bank or online secure email may be all it takes to set this limit to $0. Bonus to doing this is that charges which are not known to be cash advances at the time of the attempt will be declined, avoiding the related advance fee which is often quite substantial.
Disable the debit card functionality of ATM cards if you don't need it. Many ATM debit cards have VISA/MC logos and can be used in credit mode instead. Loosing possession of your card while it has debit enable features can lead to the quick zeroing of your associated account balance.

* It has been my experience that some banks will refuse to do either of the above. So much for consumer focus.

Aggregators

Find them and request that your records be excluded from searches. I leave it to the community to indicated which providers to pursue for this and give related (if any) links/instructions. I'm lazy like that. This would be good content for the quick summary.
Wallet services - one stop shops are run by someone, probably many someone's, all with administrative rights to your account details. How much trust are you willing to seed in them?

Monitoring

Credit/account monitoring services let you know when there is suspicious activity and/or new credit inquiries going on. They can help resolve issues too. I'm personally on the fence regarding these and generally not willing pay for the benefit. They are yet another aggregator like group, but ostensibly 'on your side'.
Some people go as far as placing a security freeze on their accounts for each of the big three credit reporting companies. I've heard third hand that it may require some type of adverse action before it is permitted. Experian's Description

RFID enabled devices/documents

For example, gas pump dongles. Maybe this is more a matter of paranoia, but be aware that it's always 'on' and can be scanned without your knowledge. Not only gas pumps do this.
These chips can be intentionally burnt out or masked if you're sufficiently concerned. I might like to do that to a passport, but doing so may substantially slow usage at the border.

Miscellanea

When all else fails, cash is king?


Let the constructive criticism barrage begin...


General questions for the community:

Which privacy/security practices are of the highest value in return for their corresponding effort to maintain?
How should incapacitation/death be handled, when another trusted party needs to know?


PS: I realize that this discussion scope is in danger of being far too broad already, so though it seems a logical follow up question, I suggest we avoid the 'what do I do now that I have been compromised?' tangents, focusing instead on prevention versus remediation.
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g: 0 Posted By: DaysFan
Views: 189 Replies: 1 linked

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Fad jewelry - worth it? Alternatives?
Added on : Monday December 23rd 2013 11:00:07 AM
g: 0 Posted By: CowbellMaster
Views: 29 Replies: 0 It seems like every few years some sort of fad comes along, and through brilliant marketing the owners get their hooks into women. The longest running of all time is, of course, diamonds. There are man made diamonds now, and other knockoff alternatives (various degrees of acceptability).

More recently, there's this 'grown up bead' trend that I recently learned has caught DW's eye. Pandora seems to be the front-runner but there are a couple other alternatives.

Anyways, I went to a local retailer and got her a bracelet, picked out a few beads that are meaningful, and died a little inside when the cashier gave me the total. It came to around $900, and I got to thinking, "am I really about to pay almost a grand for a silver bracelet and some beads??"

These things seem to be ridiculously popular now so I thought it might warrant a thread to discuss others' thoughts, and also any discoveries of more reasonable alternatives. As far as I can see, there is no actual value to these beads outside of their 'brand name' and a quick search shows various knockoff options. Has anyone explored these options, and were they acceptable? Am I just being a cheapskate?
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g: 0 Posted By: remick
Views: 193 Replies: 0 http://www.amazon.com/Distracted-Yogi-Reclaimed-Brain-Injury-Trauma-ebook/dp/B00DBLCVD4

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Join Michelle on her raw & real journey of Trauma-to-Drama-to-Transformation. Even if you are not Brain Injured you will get something of value out of her story-perhaps first understanding then ultimately learning to love yourself in the process.
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American express eliminates message center
Added on : Saturday December 21st 2013 04:00:05 PM
g: 0 Posted By: nymgiants
Views: 127 Replies: 1 I needed to reach amex because it appears i did not receive my reward points. I do not like to call as i want proof of info received as in a prior incident. Amex provided me with incorrect info causing an issue of several hundred dollars in lost rewards. luckily i had used message center and after sending an email to the ceo office, after amex refused to fix it despite admitting it was their erroneous info, the ceo's office credited me back. so when i saw this small potenital issue i wanted a electronic paper trail.

When I clicked on message center under messages, instead of being able to send a secure message i got this message .In order to better serve you, we now offer Live Chat as an alternative to email. You can chat live with a Customer Care Professional to get an immediate response to your inquiries. I decided to use chat as i thought i would get a paper trail. after waiting almost 10 minutes for a chat rep to be avialble, i proceeded to get a clueless rep that kept repeating incorrect info and ignored what i typed. so i gave up and called. The rep on the phone did try to help but they did not have access to view the reward activity screen I needed.

Did anyone else see the replaced option, or was it just mine that was eliminated

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Free Kindle Book- 155 Therapeutic Juices
Added on : Saturday December 21st 2013 09:00:06 AM
g: 0 Posted By: remick
Views: 99 Replies: 0 http://www.amazon.com/155-Therapeutic-Juices-vegetable-recipes-ebook/dp/B00H86RCYQ

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72-watt Mini Solar Farm $329.99 + SHIPPING Bargainoutfitters.com
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g: -2 Posted By: DaysFan
Views: 217 Replies: 1 http://www.bargainoutfitters.com/net/cb/72-watt-mini-solar-farm.aspx?a=554750

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g: 0 Posted By: ryeny3
Views: 150 Replies: 0 The government has added a new "hardship exemption" from the individual mandateto people who received an insurance cancellation notice and consider the alternatives unaffordable. Although I am not advocating not buying any insurance, this exemption would allow the purchase of the catastrophic plans by people30 and older.

In some states the catastrophic plans may not be cheaper than other options. In NY, Empire offers a catastrophic plan for about $2,200 per year and a bronze plan for about $4,300 per year. One feature that this catastrophic plan offers are 3 PCP visits for $40 each BEFORE the deductible. Although the catastrophic plan has the least out-of-pocket costs, it also has the lowest maximum cost defined here as premium plus maximum out-of-pocket payments. In the best case the catastrophic plan costs less and in the worst case, it still costs less than Empire's cheapest bronze, silver, gold or platinum plans.

Link to announcement from the Centers for Medicare and Medicaid Services from Avik Roy's article:

http://b-i.forbesimg.com/theapothecary/files/2013/12/cancellatio...

Link to hardship exemption form:

http://marketplace.cms.gov/getofficialresources/publications-and...

I linked articles from Avik Roy and Ezra Klein about the latest change in the administration of the ACA. Although both write for Forbes, they have very different opinions of this law
.
http://www.forbes.com/sites/theapothecary/2013/12/20/utter-chaos...

http://www.washingtonpost.com/blogs/wonkblog/wp/2013/12/19/the-o...
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Added on : Wednesday December 18th 2013 01:00:11 PM
g: 0 Posted By: EGFTrader
Views: 44 Replies: 0 http://www.amazon.com/dp/B00F1KAWEI

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g: 0 Posted By: ArtieLange
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g: 0 Posted By: ArtieLange
Views: 185 Replies: 0
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System power supply requirement: 500W

http://www.newegg.com/Product/Product.aspx?Item=N82E16814125470

Gigabyte GV-N760OC-4GD GeForce GTX 760 4GB Video Card for a low $260.99 Free Shipping

Newegg will take off 10% with Coupon Code: "MASTERPASS" when you check out with MasterPass from MasterCard (Exp 12/21, max $50 discount). Will not apply to combo items, free gift deals, or stack with other coupons. Tax in CA, NJ, TN.
MasterPass is an alternative checkout system similar to V.me by Visa. You do NOT need to use a MasterCard. Visa, AMEX, and Discover cards are all valid options.
I also heard you can only use it once.




Video Cards Deals

Newegg Coupons
g: 0 Posted By: ArtieLange
Views: 311 Replies: 1 Newegg is offering a 10% off Coupon Code: "MASTERPASS" when you check out with MasterPass from MasterCard (Exp 12/21, max $50 discount). Will not apply to combo items, free gift deals, or stack with other coupons. Tax in CA, NJ, TN.
MasterPass is an alternative checkout system similar to V.me by Visa. You do NOT need to use a MasterCard. Visa, AMEX, and Discover cards are all valid options.
Price comes out to $80.99

Samsung 840 EVO Series - The Must-Have Upgrade to Significantly Enhance Your Everyday PC Experience More Speed - Faster Performance for Everyday Use840 EVO is significantly faster than a standard HDD, providing more rapid sequential and random read and write times for every task. Samsung's new 3-bit MLC NAND flash memory stores data more efficiently, increasing both speed and reliability. Whether it's a heavy workload like video file editing or a simple task like a virus scan, 840 EVO runs every job smoothly and quickly. Multitasking is a simple job for this SSD, which can operate several tasks simultaneously nearly three times faster than an HDD.

Optimized to improve everyday PC productivity, including web-browsing, email, multimedia and gaming
Enables you to boot up your computer in as little as 15 seconds
Samsung's TurboWrite write acceleration technology provides significantly faster sequential write performance
Superior multi-tasking performance with 5th-generation 3-Core Samsung MEX Controller
Samsung RAPID technology boosts overall PC performance by using idle DRAM as an ultra-fast buffer

http://www.newegg.com/Product/Product.aspx?Item=N82E16820147247


SSD Deals

Newegg Coupons
Microsoft Xbox LIVE 12 Month Gold Membership Card $35.99
Added on : Sunday December 15th 2013 03:00:10 PM
g: 1 Posted By: ArtieLange
Views: 312 Replies: 0 Newegg is offering a 10% off Coupon Code: "MASTERPASS" when you check out with MasterPass from MasterCard (Exp 12/21, max $50 discount). Will not apply to combo items, free gift deals, or stack with other coupons. Tax in CA, NJ, TN.MasterPass is an alternative checkout system similar to V.me by Visa. You do NOT need to use a MasterCard. Visa, AMEX, and Discover cards are all valid options.

Microsoft Xbox LIVE 12 Month Gold Membership Card $35.99

Play games online with friends
Instantly watch HD movies and TV shows from Netflix
Get the Best Value on an Xbox LIVE Gold Membership at less than $5 a month

http://www.newegg.com/Product/Product.aspx?Item=N82E16874103360
Xbox Live Deals

Newegg Coupons
g: 0 Posted By: ArtieLange
Views: 2 Replies: 0 Newegg is offering a 10% off Coupon Code: "MASTERPASS" when you check out with MasterPass from MasterCard (Exp 12/21, max $50 discount). Will not apply to combo items, free gift deals, or stack with other coupons. Tax in CA, NJ, TN.
MasterPass is an alternative checkout system similar to V.me by Visa. You do NOT need to use a MasterCard. Visa, AMEX, and Discover cards are all valid options.
Price comes out to $80.99

Samsung 840 EVO Series - The Must-Have Upgrade to Significantly Enhance Your Everyday PC Experience More Speed - Faster Performance for Everyday Use840 EVO is significantly faster than a standard HDD, providing more rapid sequential and random read and write times for every task. Samsung's new 3-bit MLC NAND flash memory stores data more efficiently, increasing both speed and reliability. Whether it's a heavy workload like video file editing or a simple task like a virus scan, 840 EVO runs every job smoothly and quickly. Multitasking is a simple job for this SSD, which can operate several tasks simultaneously nearly three times faster than an HDD.

Optimized to improve everyday PC productivity, including web-browsing, email, multimedia and gaming
Enables you to boot up your computer in as little as 15 seconds
Samsung's TurboWrite write acceleration technology provides significantly faster sequential write performance
Superior multi-tasking performance with 5th-generation 3-Core Samsung MEX Controller
Samsung RAPID technology boosts overall PC performance by using idle DRAM as an ultra-fast buffer

http://www.newegg.com/Product/Product.aspx?Item=N82E16820147247

g: -2 Posted By: DamnoIT
Views: 112 Replies: 1 http://www.cnbc.com/id/101272416
"Merchants first sued Visa and MasterCard in 2005, accusing the two companies of fixing the fees charged to merchants each time their customers used their credit or debit cards. They were accused also of preventing merchants from steering customers to cheaper forms of payments."

Stupid that they were amonopoly when Discover or Amex is anotheralternative. Sensing this is anther nail in the coffin for credit card CashBack incentives. Even if you don't use VISA MC much them offering it keeps it standard practice and well paying to the consumer. Lets see Verizon or AT&T get sued for thier cellphone dualoply why don't we. I guess you can still backdoor on thier networks with page plus or Straight Talk but still... On this I am sure the Lawyers are getting half anyway. he he he
g: 0 Posted By: remick
Views: 241 Replies: 0 http://www.amazon.com/Healthy-Heal-Body-Recipes-LIFE-ebook/dp/B00GWU1MIQ

This book of recipes is for optimal healing. Your body is self-healing and self-regenerating and self-regulating. Nutrition is not taught in detail in Medical schools even though throughout time even the father of medicine Hippocrates said Let food be your medicine and medicine be your food and even older than that there is an Ayurvedic saying when diet is good medicine is of no need and when diet is poor medicine is of no good This book is to guide you on how your body metabolizes nutrients and prevent and even reverse disease in most cases.

I will present information to get the most out of the food you have available to where ever you live on our planet. Some places at some times of the year wont have fresh vegetables available so I will ask you to substitute fermented vegetables and show you how to prepare them. You may not have access to fresh coconuts or fresh spices I will always give you alternatives so no matter where you are or what you can afford you will always have cost effective healthy food choices for you and your family. I will also show you how to have healthy meals that even the pickiest child or adult will like.
Books Deals

Amazon Coupons
g: 1 Posted By: BigBoyMichigan
Views: 373 Replies: 0 470MyCokeReward Points

2 AMC Silver Tickets and 2 Free Large Fountain Drinks

Enjoy a holiday story. Have a good laugh. Share an evening with friends. It's the perfect time of year to enjoy the movies and save 50% off the normal point value. With this reward, you can head to the theaters, grab a refreshing Coke and enjoy a movie. These two (2) AMC Silver Tickets are good for two (2) movie admissions, and the included coupons get you two (2) free large Coca-Cola fountain drinks at AMC Theatres. It's sure to be a hit. Get rewarded for doing what you love - join the AMC Stubs program at www.amcstubs.com.


This digital coupon will be delivered via email only, to the email address associated with your My Coke Rewards Account. If you have changed your email address since creating your Account, please be sure to update it prior to redeeming. Present at box office. Good at any AMC Theatres, AMC Loews, AMC Showplace, Cineplex Odeon, Magic Johnson and Star theatres, excluding Canadian theatres. Subject to surcharge for 3D, IMAX, ETX, alternative content, dine-in theatres, and premium services; location surcharges may also be applied at select theatres. AMC reserves the right to change any surcharge fee without notice. Unauthorized reproductions not allowed. Valid seven days a week. Please visit amctheatres.com for additional information. The AMC Silver Ticket is valid for one admission, excluding Special Engagements. Special Engagement restriction is necessary to comply with the contractual obligations of motion picture distributors on certain films. It is typically AMC's policy to remove the restrictions after the second weekend of the film's release. AMC Silver tickets are discount items that are NOT eligible toward earning AMC Stubs rewards, either at the time of purchase OR time of redemption. Please visit amctheatres.com or box office for this information.


To Access AMC Offer:

1) Register MyCokeRewards (MCR)
2) Sign-On to MyCokeRewards (MCR)
3) Go to this website for "12 Days of Holiday Awards"
4) Enter your MyCokeAward Code in Code box (Upper Left Corner)
5) Offer will go into your "Special Offers" section, Located just under your MyCokeRewards Screen Name, See Pic at LEFT


Find BigBoyMichigan's Other Great Fat Wallet Offers Click Here
Restaurants & Entertainment Deals
g: 0 Posted By: BigBoyMichigan
Views: 43 Replies: 0 470MyCokeReward Points

2 AMC Silver Tickets and 2 Free Large Fountain Drinks

Enjoy a holiday story. Have a good laugh. Share an evening with friends. It's the perfect time of year to enjoy the movies and save 50% off the normal point value. With this reward, you can head to the theaters, grab a refreshing Coke and enjoy a movie. These two (2) AMC Silver Tickets are good for two (2) movie admissions, and the included coupons get you two (2) free large Coca-Cola fountain drinks at AMC Theatres. It's sure to be a hit. Get rewarded for doing what you love - join the AMC Stubs program at www.amcstubs.com.


This digital coupon will be delivered via email only, to the email address associated with your My Coke Rewards Account. If you have changed your email address since creating your Account, please be sure to update it prior to redeeming. Present at box office. Good at any AMC Theatres, AMC Loews, AMC Showplace, Cineplex Odeon, Magic Johnson and Star theatres, excluding Canadian theatres. Subject to surcharge for 3D, IMAX, ETX, alternative content, dine-in theatres, and premium services; location surcharges may also be applied at select theatres. AMC reserves the right to change any surcharge fee without notice. Unauthorized reproductions not allowed. Valid seven days a week. Please visit amctheatres.com for additional information. The AMC Silver Ticket is valid for one admission, excluding Special Engagements. Special Engagement restriction is necessary to comply with the contractual obligations of motion picture distributors on certain films. It is typically AMC's policy to remove the restrictions after the second weekend of the film's release. AMC Silver tickets are discount items that are NOT eligible toward earning AMC Stubs rewards, either at the time of purchase OR time of redemption. Please visit amctheatres.com or box office for this information.


To Access AMC Offer:

1) Register MyCokeRewards (MCR)
2) Sign-On to MyCokeRewards (MCR)
3) Go to this website for "12 Days of Holiday Awards"
4) Enter your MyCokeAward Code in Code box (Upper Left Corner)
5) Offer will go into your "Special Offers" section, Located just under your MyCokeRewards Screen Name, See Pic at LEFT


Find BigBoyMichigan's Other Great Fat Wallet Offers Click Here
Restaurants & Entertainment Deals
g: 0 Posted By: remick
Views: 220 Replies: 0 TuneCore Winter Showcase 2013 - Holiday Music
http://www.amazon.com/TuneCore-Winter-Showcase-2013-Holiday/dp/B00H59HKMU

TuneCore Winter Showcase 2013 - Pop
http://www.amazon.com/TuneCore-Winter-Showcase-2013-Pop/dp/B00H57XZWG

TuneCore Winter Showcase 2013 - Hip Hop/Rap [Explicit]
http://www.amazon.com/TuneCore-Winter-Showcase-2013-Explicit/dp/B00H59ICUO

TuneCore Winter Showcase 2013 - Alternative / Rock [Explicit]
http://www.amazon.com/TuneCore-Winter-Showcase-2013-Alternative/dp/B00H5G0YF8
Music Deals

Amazon Coupons
g: 0 Posted By: bsp8181
Views: 57 Replies: 0 Link

Use eCoupon checkbox under the special offers section on landing page for a $20 eCoupon, bringing the total down to $119. Then use coupon code: CASAPLA20H100 for an additional 20% off, bringing the total down to under $96. Reviews appear to be solid. Best alternative price is $139. Site is getting hit pretty good so there's a note about delayed shipping being displayed during checkout. Good luck!
Appliance Deals

Casa.com Coupons
g: 0 Posted By: Gauss44
Views: 314 Replies: 2 Warning: If you try to sell bitcoin, you WILL have to deal with scammers <----- And I REALLY mean that. (This is as true as it gets, not one person's experience. Google it if in doubt.)

That being said, there seems to be an opportunity for those of us who are daring or smarter than the bad guys. If you look on eBay, or almost anywhere bitcoin is being sold right now, you'll notice that it's selling at all different prices. One bitcoin can go from anywhere between $950 to $3000 for just one. And it's being bought up quickly. The opportunity is buy low, sell high (and double your money if you can sell without being scammed).

The trouble with this seemingly easy plan, is the execution of it. How to get around triangle scams and middleman scams from dishonest buyers (described below). Anyone have any luck selling bitcoin? Or any tips?


Descriptions of scams below (no need to read if you are familiar):

Example of a common scam: Person A is a matchmaker between the buyer and the seller. Person A tells the buyer to send money to the seller. And Person A tells the seller to send bitcoin to the buyer. Instead of providing the buyer's bitcoin account, Person A provides his own account or wallet number. The Result: Person A gets bitcoin. Meanwhile the buyer gets nothing. The buyer then accuses the seller of fraud, and requests his money back....

An alternative version: An eBay customer or hacked eBay account starts buying bitcoin on eBay. The seller receives a payment, or payment on hold, at Paypal. The seller sends bitcoin to what he thinks is the seller's account or wallet. Then buyer calls Paypal and says their eBay account was hacked and Paypal reverses the payment, refunding the buyer. The seller is stuck with nothing (bitcoin was sent, payment was reversed. Note that these crooked eBay buyers often have hundreds of positive reviews.




Discussion Deals
g: 0 Posted By: bittul
Views: 104 Replies: 0 For a limited time, purchase Smurfs 2 and receive a promotional code which you can redeem for a for a free 8x8 Hard Cover Photo Book or Photo Story App from Shutterfly.
Offer ends December 17, 2013

Linky.

All three options come along with an UltraViolet Digital Copy.
Step 1: Complete your purchase of The Smurfs 2 on DVD, Blu-ray, or Blu-ray 3D between now and Dec 17, 2013. Offer applies only to Amazon.com purchases and not to other sellers.
Step 2: You will receive an e-mail containing your Shutterfly reward code within 48 hours of shipment.
Step 3: Visit www.shutterfly.com/smurfs2offer and input your reward code.

Terms and Conditions of This Promotion:
While supplies last. Offer expires March 15, 2014 (11:59 P.M. PT). Offer is good for one free 20-page 8x8 hard photo cover photo book through shutterfly.com or the Shutterfly Photo Story app for iPad. Offer cannot be redeemed more than once per account and/or billing address. This particular offer code can only be redeemed once. Taxes, shipping, and handling will apply. Customer may add options to their 8x8 book (additional pages, cover options, layflat pages, Storytelling stylesTM, memorabilia pockets, etc.) at additional cost. Alternatively, customer may apply the current price of a 20-page 8x8 hard photo cover photo book (after taking into account any current discounts on shutterfly.com) toward the purchase of any larger photo book. Not valid on 5x7, 7x9 or 8x8 soft cover photo books, prepaid plans, other products, prior purchases, purchases made on the Shutterfly iPhone, iPad and Android apps or Shutterfly Pro Galleries. Cannot be redeemed for cash or combined with other offers or credits. Not valid for resale.
Blu Ray Deals

Shutterfly Coupons
ASUS MeMO Pad 10" 16GB Tablet - Groupon for $189.99
Added on : Monday December 02nd 2013 06:00:05 PM
g: 0 Posted By: potvin48
Views: 97 Replies: 0 Linky

ASUS MeMO Pad 10" Tablet (ME102A-A1-GR)The ASUS MeMO Pad barely weighs more than a pound, yet it makes a big impact with its 10" high-definition display. The tablet's wide viewing angles span 170 degrees, creating a broad digital canvas for crisp and colorful pictures and video churned out by a 1.6GHz processor. The svelte MeMO Pad also produces quality audio thanks to SonicMaster Sound technology, which generates full stereo sound through two speakers. Both the rich graphics and sound help you feel more connected to friends and family when video chatting over the 1.2-megapixel webcam. Alternatively, the 2-megapixel rear camera captures 720p video.

Product number: ME102A-A1-GR
10" HD display with 1280 x 800 resolution and 170-degree wide viewing angles
1.6GHz quad-core processor
2-megapixel rear camera with 720p video recording
1.2-megapixel front camera lets you catch up with imaginary childhood friends
SonicMaster Sound with dual stereo speakers and Maxx Audio software
WiFi and Bluetooth connectivity
Up to 9.5-hour battery life on full charge
Click here for more detailed technical specifications.
Condition: new
One-year warranty from ASUS


Specifications Operating System Android 4.2 (Jelly Bean) Processor 1.6GHz Quad-Core CPU Memory 1GB DDR3L Graphics Mali 400 MP4 Onboard Storage 16GB Flash Display 10'' HD (1280 X 800) Camera 2MP Rear, 1.2MP front Wi-Fi 802.11 b/g/n Audio Stereo speaker x 2 Bluetooth Bluetooth 3.0 Interface 2-in-1 Audio Jack (Head Phone / Mic-in) 1 x Micro USB 1 x Micro SD Card Reader (up to 64 GB) Sensor GPS (supports Glonass) G-Sensor E-compass Hall Sensor Battery 19Wh, 5070mAh, non-removable polymer battery

Android Tablets Deals

Groupon Coupons
Central FL - Obsession Charters
Added on : Friday November 29th 2013 08:00:16 AM
g: 0 Posted By: TomPtz
Views: 116 Replies: 0 Obsession Charters - Cocoa Beach-Cape CanaveralHalf- or Full-Day Fishing Trip with a Restaurant Voucher from Obsession Charters (Up to 55% Off)from $25In a NutshellSix- or nine-hour charters venture into the Atlantic to catch grouper, snapper, cobia, and other fishThe Fine PrintExpires Dec 18th, 2013. Limit 2 per person, may buy 4 additional as http://www.groupon.com/deals/obsession-charters-6?. Limit 1 per visit. Valid only for option purchased. Reservation required; recommended 6-weeks in advance for Sunday trips. Subject to weather. Must use promotional value in 1 visit. Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services. http://www.groupon.com/pages/universal-fine-print that apply to all dealsFish are elusive prey, fleeing into reefs to evade anglers and spontaneously sprouting legs to run away from Charles Darwin. Track down slippery targets with this Groupon.Choose Between Two Options

$25 for a half-day fishing trip with rod and tackle, lunch, and unlimited soft drinks (up to a $50 value) and a $5 voucher to http://gr.pn/zBS7B1 (up to a $55 total value)
$45 for a full-day fishing trip (up to a $70 value) with rod and tackle (a $10 value), a meal ticket for breakfast, lunch, and unlimited soft drinks (a $10 value), and a $5 voucher to Grills Seafood Deck and Tiki Bar (up to a $95 total value)

Half-day fishing http://fishobsession.com/rates-booking/ depart on Sunday, Tuesday, and Thursday at 11 a.m. and return at 5 p.m. Alternatively, full-day trips depart Monday, Wednesday, Friday, and Saturday at 8:00 a.m. and return at 5:00 p.m. See the Grills Seafood Deck & Tiki Bar http://www.grillsseafood.com/menu/.Student, senior, and military discounted tickets are available but this Groupon still offers the best deal available. Children 6 and under are free.Obsession ChartersAboard Obsession Charters's party boat, experienced captains lead groups into fish-laden waters, where lines are cast out into the ocean in search ofhttp://fishobsession.com/photo-gallery/ such as grouper, snapper, and sharks. The 65-foot watercraft launches out of Port Canaveral on full-day and half-day http://fishobsession.com/rates-booking/ across the giant bathtub disguised as the Atlantic Ocean. As fishers wield rented rods or their own equipment, staff situated in an air-conditioned galley serves up hot food and cold beer. After trips, Obsession Charters's cleaning tables let customers prep their catches. In addition to voyages aboard their signature vessel, the staff also books private http://fishobsession.com/fishing-info/ by negotiating with the monocled whales who own Port Canaverals most popular fishing boats. Most aquatic exhibitions include bait, and Obsession Charters's captains also allow customers to catch their own offshore.
Travel Deals Deals

Groupon Coupons
Canon G15 + PIXMA PRO-100 printer + 32gb SD + paper $308 shipped B&H
Added on : Thursday November 28th 2013 04:00:12 PM
g: 1 Posted By: kriskos4
Views: 308 Replies: 1 Price includes shipping after $400 AMEX gift card rebate. Highly rated on Amazon, $299 for just the camera alone.

http://www.bhphotovideo.com/c/product/889961-REG/Canon_PowerShot_G15_Digital_Camera.html

Camera link includes free 32gb SD card.

http://www.bhphotovideo.com/c/product/893738-REG/Canon_6228b002_Pixma_Pro_100_Photo_Inkjet.html

Printer link includes photo paper and extra warranty.

http://www.bhphotovideo.com/FrameWork/Rebates_Promos/123113_CANON_American.pdf

Rebate link, expires 12/31

Is this too much camera for a 15 year old into photography? I thought about getting him a dslr but thought this would be a better alternative.
Cameras Deals

B&H Photo & Video Coupons
Bill & Ted's Excellent Adventure blu-ray $8 at Amazon and Fry's
Added on : Thursday November 28th 2013 10:00:04 AM
g: 1 Posted By: lakrzfan
Views: 58 Replies: 0 $7.99 at Amazon with Prime. Amazon Link

Lowest price ever according to Camel.

Alternatively, Fry's has it for $5 + $3 shipping. Free shipping at Fry's starts at $23.

Fry's Llink


Blu Ray Deals

Amazon Coupons
Dell E2213H 21.5 LED Monitor $79.99 + tax + fs after coupon @ staples
Added on : Wednesday November 27th 2013 02:00:09 PM
g: 1 Posted By: Longbean
Views: 330 Replies: 2 Link

Dell E2213H 21.5 LED Monitor $89.99 - $10 (coupon code 67662 expire today11/27) = $79.99 + tax + free shipping

Dell E2213H 21.5 Full HD with LED Display
Resolution: 1920 x 1080
Contrast Ratio: 1000:1 (typical)
Viewing Angle: 160/170 (typical)
Brightness: 250cd/m
Response Time: 5 ms
Input: DVI connector and VGA (alternative monitor to computer)
Dimensions: 15.22 x 20.20 x 7.09 inches
Weight: 8.93 lbs
3 Year Warranty




Monitors Deals

Staples Coupons
g: 4 Posted By: bittul
Views: 608 Replies: 2 Link to promo page

Available @ Amazon, Best Buy, GameStop, ToysRus and WalMart.

Possible links to check (prices 'should' be live on Friday):

Amazon link

GameStop link

BestBuy link
alternative BestBuy link

Walmart link
alternative Walmart link

Toys R Us: (Maybe B&M only?)
Video Games Deals

GameStop Coupons
Playstation [PS] Plus (1 year card): $30 @ Various Retailers
Added on : Wednesday November 27th 2013 11:00:05 AM
g: 3 Posted By: bittul
Views: 295 Replies: 0 Link to promo page

Available @ Amazon, Best Buy, GameStop, ToysRus and WalMart.

Possible links to check:

Amazon link

GameStop link

BestBuy link
alternative BestBuy link

Walmart link
alternative Walmart link

Toys R Us: (Maybe B&M only?)
Video Games Deals

GameStop Coupons
g: 1 Posted By: NYBonk
Views: 184 Replies: 0 Kohls has the Keurig K45 B40 Elite Coffee Brewer on sale for $99.99 as part of their Black Friday sale.
Add that and either theKeurig K-Cup Portion Pack Carousel orKeurig K-Cup Portion Pack Coffee Carousel, both $23.99, and then a low priced filler item to make sure you stay over $100 to get your Kohls Cash.

Math is as follows:
$99.99 Brewer
+ $23.99 k cup carousel
+ $2.59 (picture frame)
$101.26 total after using 20FORU to save 20% off your total order.

(Alternatively, you can purchase 2 packages of k-cups in lieu of the carousel and filler for about $1 more)

You'll also earn $30 Kohls cash with your order. I did this first thing this morning and couldn't believe anyone hadn't posted it yet.
Appliance Deals

Kohl's Coupons
g: 0 Posted By: zimphella
Views: 0 Replies: 0 LivingQuarters Reversible Microfiber Down-Alternative Comforter in Twin, Twin XL, Full/Queen, or King (various colors) @ Bon-Ton Stores
Compare at $60.00
Free Shipping!

Coupons
FREESHIP - Free Shipping  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Bedding Deals

Bon-Ton Stores Coupons
g: 0 Posted By: fivetalents
Views: 359 Replies: 4 Garmin Portable Friction Dashboard Mount at Amazon
4.4 out of 5 stars (811 customer reviews

List Price: $24.99
Price: $14.99 & FREE Shipping on orders over $35.
Ships from and sold by Amazon (B3st Buy has it for the same price and free shipping)

- Package Type: Standard Packaging
- New design is lighter weight, more flexible and more compact.
- The integrated arm can be folded down for easy storage in an automobile or luggage
- Easily transferable from car to car
- Friction mount for dashboard is compatible with Nuvi and Zumo GPS series
- Portable alternative to windshield mounts
- Non-skid silicone bottom and pliable base keeps mount securely on dashboard
- Easily transferable from car to car

Not as hot as the $12.50 at BB and Amazon this July, but a recent price drop and a lot better than the $20-$21 it has been at most of the year.
GPS Deals

Best Buy Coupons
g: 0 Posted By: fivetalents
Views: 158 Replies: 2 Garmin Portable Friction Dashboard Mount at Amazon
4.4 out of 5 stars (811 customer reviews

List Price: $24.99
Price: $14.99 & FREE Shipping on orders over $35.
Ships from and sold by Amazon (B3st Buy has what looks like the older model for the same price and free shipping)

- Package Type: Standard Packaging
- New design is lighter weight, more flexible and more compact.
- The integrated arm can be folded down for easy storage in an automobile or luggage
- Easily transferable from car to car
- Friction mount for dashboard is compatible with Nuvi and Zumo GPS series
- Portable alternative to windshield mounts
- Non-skid silicone bottom and pliable base keeps mount securely on dashboard
- Easily transferable from car to car

Not as hot as the $12.50 at BB and Amazon this July, but a recent price drop and a lot better than the $20-$21 it has been at most of the year.
GPS Deals

Best Buy Coupons
g: 0 Posted By: terroralpha
Views: 140 Replies: 0 scan of black friday ad showing the deal: http://c779802.r2.cf2.rackcdn.com/meijer4.jpg

this is how it works: the bundle itself is $280. after you buy it you will be get a $30 coupon to use on whatever you want. the coupon can be used during the month of December. NY, among several other states, do not pay taxes at meijer. so if you are from a state that pays taxes at Amazon, this is a great alternative because you will save $20-$30 on taxes alone.

additional saving:
-you can take an extra $5 off if you are a new customer to meijer. just create a web account ahead of time and they will e-mail you a promo code for $5 off $50. that brings you down to $245
-going through shopdiscover gives 5% back. that's another $14 saved.

shipping cost is either free or $7. it seems to differ depending on where you live. for NY it is $7.

i will be using my $30 coupon an an Xbox One controller. they have lots of games and accessories that one may want to use this coupon on.

enjoy.
Wii Deals

Meijer Coupons
Free Kindle Book - Curby (was $99.00)
Added on : Thursday November 21st 2013 01:00:01 AM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Curby-Adrian-Del-Valle-ebook/dp/B00FK1WN6

5.0 out of 5 stard with 4 reviews

I was eight months old when my mother, due to extreme poverty, had to put my older brother and I into a Catholic institution immediately after World War II. Three years later we were moved to the first of two foster homes. Those were not the best years of our lives. Discipline was harsh, while nurturing and affection, unfortunately was absent. My brother was ten and I was eight when my father was finally allowed custody and brought us home. At the time, he owned a house in downtown Brooklyn, and fortunately for us, it was filled with family members. That second half of my childhood was totally different from the first. During that first half of my childhood, the void left helped me write this story. Though not as tragic as the alternative outcome could have been for our character, Curby, the wonderful nurturing this little boy receives from his adopting parents in this story is the nurturing I wish I could have had.
LifeWay Christian Stores Black Friday ad scans
Added on : Wednesday November 20th 2013 12:00:02 AM
g: 1 Posted By: DoctorDeals
Views: 189 Replies: 0 The ad was an odd shape and would not fit my scanner, but I got most of it on there. I will try to use a digital camera to get some alternative pictures later today (so people can see what got chopped off).
Saks Fifth Avenue OFF 5TH ($20 off $40 or $30 off $60) Groupon
Added on : Tuesday November 19th 2013 07:00:06 PM
g: -1 Posted By: JayMatt19
Views: 0 Replies: 0 https://www.groupon.com/reserve/private/saks-fifth-avenue-off-5t... Fifth Avenue OFF 5TH keeps two primary thrills of shopping alivethat is, the thrill of finding coveted luxuries and the thrill of finding a deal. Buyers curate a wide selection of trends fresh from the runways, then offer them at 40% to 70% off retail, supplying shoppers with a steady stream of delightful discoveries and the feeling that they've been let in on a major style secret. Today's Reserve selection invites you to catch the spirit of discovery with a choice between the following options:

$30 FOR A $60 PURCHASE
$20FOR A$40 PURCHASE

This offer is valid both at Saks Fifth Avenue OFF 5TH store locations and online at saksoff5th.com.At Saks Fifth Avenue OFF 5TH's 72 nationwide, "loft-like" locationsas well as onlineracks brim with luxurious dresses, outerwear, denim, cashmere sweaters, dress shirts,handbags, jewelry, and other fashionable alternatives. Styles are sourced from more than 800 different designers, including several Saks-exclusive lines.Saks Fifth Avenue OFF 5TH's combination of chic and savvy give every shopping trip the feel of an opportunity seized. Whether in-store or online, its high fashion and below-retail prices give its customers the chance to score a deal no matter when they visit or what they're seeking.
Clothing Deals

Groupon Coupons
50 Pairs of Men's Hanes Tagless Boxer Briefs -$70 Shipped @ Hanes
Added on : Sunday November 17th 2013 09:00:02 PM
g: 0 Posted By: zimphella
Views: 237 Replies: 0 50 Pairs of Men's Hanes Tagless Boxer Briefs @ Hanes - $70.00 after Coupon
was $100.00Free Shipping on $70+Add 10 x 5 pairs to cart for $100, then apply coupon for 30% offAlternatively, you can purchase 5 x 5 pairs for a total of $50
Coupons
87506 - 20% off $50 or 30% off $75    (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Hanes Coupons
g: 0 Posted By: ctgolfer
Views: 100 Replies: 0 www.sears.com/search=096CO52905712B%7C096CO52901312B?levels=Bed%...
Bedding Deals

Sears Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/CTRL-ALT-DEL-Plan-complete-ebook/dp/B00FO8ADAU

In this book we cover, the simplest alternatives:

Using an antenna: HDTV free Over The Air.(OTA)
Using media devices to stream content: Streaming via Roku and similar devices.
Stream from your computer: Hooking your computer to the TV.

And the more complicated (still easy with this plan) Home Theater PC options:
Making your current desktop do double duty: Can you make your current computer act as an HTPC?
Re-purposing an old computer: Simple steps to change that old computer into an HTPC.
Building an HTPC: It seems intimidating, but it isn't hard to build one from scratch.

You can cut cable in the next seven days, even if you decide you want to go all out and build a Home Theater PC (HTPC). Previously, this option was usually reserved for IT pros and tech geeks. With this book and free software available on the internet, the process becomes simple for anyone.
Sensationail Gel Nail Polish Starter Kit$39.99@Groupon
Added on : Tuesday November 05th 2013 01:00:11 PM
g: 0 Posted By: adnay
Views: 94 Replies: 0 Sensationail Gel Nail Polish Starter Kit. Free Shipping.Sensationail Gel Nail Polish Starter Kit

Scarlet Red, Evening Sand, and Tag Me Taupe shades
Alternative colors of Scarlet Red, La Creme, and Mauve Maven
Super-gloss shine
Lasts up to two weeks
Resists damage from casual wear
No dry time

Health & Beauty Deals

Groupon Coupons
g: 25 Posted By: archena
Views: 2264 Replies: 7 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Home Remedies: Grandmas Remedies (Natural Remedies Collection) [Kindle Edition] was $9.99

Tzipora Avitzur (Author)

http://www.amazon.com/dp/B00B0MTLSO

Publication Date: January 12, 2013

Publisher: Contento de Semrik

9 Reviews ★★★★

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > Healing

A wonderful collection of grandma's remedies gleaned from ancient wisdom that passed on through the ages. These remedies have been around for many centuries, and are completely natural, based on herbal and mineral formulas that have been tried and true by generations of people, worldwide. Remedies for the common cold, bowel movement, blood pressure, heartburn, ulcers, dressing wounds, curing warts, and many more are included in this book. The ingredients for these natural remedies can be found at home or bought at any local grocery store.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Truth-Managing-Effectively-Collection-ebook/dp/B00DS8DO8Q

A brand new collection of state-of-the-art management skills and techniques

Master todays most valuable management skills! Get hundreds of bite-size, easy techniques for hiring, collaboration, motivation, negotiation, and much more!

Moving into management? Moving up in management? To compete and succeed, you need todays best skills for managing, motivating, and collaborating with others. Thats exactly what youll find in this extraordinary 4 book package. Build a great team with Cathy Fyocks The Truth About Hiring the Best : discover how to identify the best, reach them, recruit them, and choose among them! Cathy Fyock presents 53 bite-size, easy-to-use hiring techniques for finding hidden sources of talent making great people want to work for you asking the right questions listening for the right answers hiring like your organizations future depends on it, because it does! Next, get the best from the people you have, with the latest version of Martha Finneys classic, The Truth About Getting the Best from People . Finneys expanded and improved Second Edition offers 60+ proven principles for achieving employee engagement practically 100% of the time. Shes added more than 15 brand-new truths for managing virtual teams, becoming more persuasive, overcoming unconscious biases, identifying and cultivating individual high performers, and more. Then, optimize your management effectiveness with Stephen P. Robbinss The Truth About Managing People, Third Edition: 61 real solutions for the make-or-break problems faced by every manager. Learn how to overcome the real obstacles to teamwork why too much communication can be as dangerous as too little how to improve hiring and employee evaluations how to heal layoff survivor sickness how to manage a diverse culture, and lead effectively in a digital world. This edition is packed with new truths, including: how to nurture friendlier employees, manage a diverse age group, and lead ethically in tough times. Finally, in The Truth About Negotiations, Leigh L. Thompson teaches 46 proven negotiation principles: quick, easy ways to become a world-class negotiator. Youll learn how to prepare for a negotiation within one hour negotiate with people you hate (or love) clearly identify your best alternative if a deal isnt possible use reason, respect, and reciprocity to extract a deals maximum potential value create win-win solutions establish enduring relationships. From hiring to motivation, negotiation to collaboration, this collection gives you hundreds of new best practices and skills for world-class management and leadership!

From world-renowned management and HR experts Cathy Fyock, Martha I. Finney, Stephen P. Robbins, and Leigh Thompson
g: 1 Posted By: ctgolfer
Views: 229 Replies: 1 http://1sale.com/home-family/bed-bath-personal-care/k227103/
Bedding Deals

1Sale.com Coupons
g: 0 Posted By: archena
Views: 76 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Home Remedies: Grandmas Remedies (Natural Remedies Collection) [Kindle Edition] was $9.99

Tzipora Avitzur (Author)

http://www.amazon.com/dp/B00B0MTLSO

Publication Date: January 12, 2013

Publisher: Contento de Semrik

9 Reviews ★★★★

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > Healing

A wonderful collection of grandma's remedies gleaned from ancient wisdom that passed on through the ages. These remedies have been around for many centuries, and are completely natural, based on herbal and mineral formulas that have been tried and true by generations of people, worldwide. Remedies for the common cold, bowel movement, blood pressure, heartburn, ulcers, dressing wounds, curing warts, and many more are included in this book. The ingredients for these natural remedies can be found at home or bought at any local grocery store.
Books & Magazines Deals
g: 0 Posted By: easycom
Views: 114 Replies: 0 Lenovo ThinkServer TS130 Tower Server System (Intel Core i3-3220, 4GB RAM, No HDD) $204 AC AR + Free Shipping @ Newegg


$263.99
- $25 Coupon NAFSAVE25NOV1R
-------------
$238.99
- $35 Mail In Rebate Card
-------------
$203.99 !

You could slap 4 drives in here and have a pretty decent NAS with ECC support.
Another alternative to the HP G7 N54L Microserver and much more powerful.

Computers Deals

Newegg Coupons
g: 0 Posted By: MISTERCHEAP
Views: 50 Replies: 0 $0.50/1 Dawn Hand Renewal, Power clean, Bleaqch Alternative or Oxi (77477 is zip)

www.coupons.com

ShopRite (ends 11/2)

Dawn Hand Renewal - $1.19
$0.50/1 Dawn Hand Renewal Coupon (77477)
$0.19 after DOUBLED coupon Limit 4 q's per order
Household Deals
g: 1 Posted By: VivYip
Views: 183 Replies: 0 Home Depot has the item for $2.97 with in-store pickup

Iron Bridge Tools 25 ft. Tape Measure
Ideal for the home, garage or workplace, and anywhere else where measurements are taken
Handy wrist strap
Protective rubber coating
Easy locking button holds tape in place
MFG Model # : 008-047-NOB
MFG Part # : 008-047-NOB

Home Depot also has the following alternatives:

$15.97 FATMAX 25 ft. Tape Measure
$9.88 Husky 3-Pieces Chrome Tape Measure Set
$14.97 DEWALT 25 ft. 1-1/8 in. Tape Measure
$9.97 Husky 35 ft. Chrome Tape Measure
$5.88 Husky 25 ft. Chrome Tape Measure
$11.97 Husky 25 ft. Tape Measure

Hope this might help someone. Thank you for reading.
Tools Deals

Home Depot Coupons
g: 0 Posted By: VivYip
Views: 100 Replies: 0 Home Depot has this item for $12.49 with free shipping

Home Decorators Collection Natural Corded Cellular Shade, 64 in. Length 23" width
23 in. W x 64 in. L
Actual width : 22.625 in.
Ships within 2-3 business days
White backing for clean street side appearance
Luxurious colors complement any home decor
Click here to download printable measuring guide
WARNING: The cords on this product present a potential strangulation hazard. For child safety, consider cordless alternatives or products with inaccessible cords. To access a copy of the warning label, see additional images.
Can't find what you are looking for? Click here to custom build your shades.
MFG Brand Name: Home Decorators Collection
MFG Model #: 10793478625697
MFG Part #: 10793478625697

They also have the following:
$39.99 72" width
and

$39.99 Home Decorators Collection Snow Drift Corded Cellular Shade, 64 in. Length (72" width)


Hope this might help someone. Thank you for reading.
Home & Garden Deals

Home Depot Coupons
g: 9 Posted By: remick
Views: 2361 Replies: 0 http://www.amazon.com/REALLY-SIMPLE-SMOKING-CURING-HOW-TO-ebook/dp/B00FBFRVW4

Print Length: 505 pages

Like gourmet smoked and salt-cured foods? Parma hams? Cold-smoked salmon? Pancetta and other "real" bacons? Spare ribs and brisket?
Want to make them at home? With all the taste, authentic flavour and trimmings of the store-bought items, but at a fraction of the cost?
Everything you need is right here. Equipment, tools, accessories and recipes, and a whole range of new techniques and methods to home-smoke, bbq and dry cure delicacies like prosciutto hams, cured bacons, salmon, spare ribs, biltong, jerky, brisket to name just a few!
Over 500 pages, generously illustrated, and written in simple language, "Really Simple Cold Smoking, BBQ and Salt Curing at Home" is actually three books in one at a price that would be a bargain for just one of them!
In this definitive book you'll discover
- the little known secrets of the pros for making up your own rubs, pastes, marinades, mops, bastes and sauces;
- the unique characteristics of different woods and fuels used in the food smoking process, and which are best for different applications;
- a range of smoked foods which could, for many readers, represent new and exciting food territory; foods like smoked and salt-cured fruit, nuts, dairy products (cheeses and butters), molluscs and other seafoods which are quite simply delicious!;
- how simple, and how comfortably within the capabilities of most people deli-style cold-smoking, or dry-curing really is!;
- survival secrets of "emergency" food smoking for hikers, campers, hunters, fishermen and survivalists, who would like, while still in the wild, to smoke any bounty collected from the outdoors, but who frequently don't have access to conventional (or any!) smoking equipment to do so;
- how-to build your own food smoking and dry-curing equipment at home partly as a low-cost alternative to the (undoubtedly excellent, but often fairly expensive) commercial equivalents, and partly for the good, warm feeling of accomplishment it brings!; and
- Illustrated charts showing the major cuts of meat from each of the main animal groups pork, beef, lamb and venison.... and the list goes on!
Readers of How-To Instructional books (like this one) fall somewhere between two extremes. At one extreme are those who want to know "Why?" before they learn "How?" At the other extreme are those who simply want a clear-cut set of instructions.
The publishers in this book unravel the Gordian knot and satisfy both classes of reader by covering both the "Why" and the "How" in the first half of the book, while limiting the second half to just the "How".
Whatever your current level of expertise and skill, there'll be something in this book to expand and enrich it. Get it now!
Books & Magazines Deals
g: 0 Posted By: VivYip
Views: 154 Replies: 0 Home Depot has this item for $25.97 with free shipping

Bali Today Brushed Aluminum Mini Blind 1 in. Slats, 72 in. Length 72" width
While quantities last
Fire retardant
Ships within 2-3 business days
Sleek color coordinated premium steel head rail with built in valance
Easy-mounting hidden steel brackets for quick installation
Wand tilt on left, cord lift on right
Brushed aluminum color coordinates great with stainless kitchen appliances
WARNING: The cords on this product present a potential strangulation hazard. For child safety, consider cordless alternatives or products with inaccessible cords. To access a copy of the warning label, see additional images.
MFG Brand Name: Bali Today
MFG Model #: 75-7121-65
MFG Part #: 75-7121-65
Router Holes: Yes

They also have the 65" width for $24.84

Hope this might help someone. Thank you for reading.
Tools Deals

Home Depot Coupons
Free ABBYY PDF Transformer 3.0 @ bitsdujour
Added on : Thursday October 24th 2013 07:00:05 AM
g: 1 Posted By: Clivester
Views: 385 Replies: 2 Until midnight today BitsDuJour is offering a free download ofABBYY PDF Transformer 3.0.

​Link

This program converts scanned PDF files into searchable and editable documents using OCR. It also attempts to retain original layout, although this is not always reliable.

While other PDF converters are sometimes offered as giveaways, I'm posting this one in particular because IMHO its at the top of its class and a great deal for free. It is a viable alternative if you don't have Adobe Acrobat.
Software Deals
Square Up Credit Carder Reader FREE no rebates or coupons needed
Added on : Tuesday October 22nd 2013 08:00:08 PM
g: 2 Posted By: Trickracen
Views: 338 Replies: 0 Square Reader

The actual credit card reader is free (No rebates or coupons needed) but fees will apply to using it. Great alternative to the Paypal reader.


Electronics Deals
Advocate Redi-Code Speaking Blood Glucose System $39.99 + FS @cvs.com
Added on : Tuesday October 22nd 2013 04:00:10 PM
g: -1 Posted By: jisab
Views: 225 Replies: 1 http://www.cvs.com/shop/product-detail/Advocate-Redi-Code-Speaki... Advocate Talking Blood Glucose Monitor Kit speaks to you in English or Spanish. A small blood sample size of .7 microliter is all that is needed for testing. This monitor gives you fast results in 7 seconds and has 450 test memory. The large screen is great for visibility and has alternative site testing. You can use the palm, forearm, upper body, calf or thigh for testing blood glucose levels.Kit contains:

Talking glucose meter
Owner's manual
Quick reference guide
Warranty card
Carrying case
10 strips
10 lancets
lancing device
Control Solution

Electronics Deals

CVS Coupons
g: 0 Posted By: remick
Views: 148 Replies: 0 http://www.amazon.com/Body-Broken-Republicans-Democrats-Same-ebook/dp/B00F5KX78M

Can Christians Be Political Activists without Hating Each Other?

As the next presidential election comes into view, Americans are deciding where to stand on key issues. The church has often been as politically divided as the culture, but Charles Drew offers an alternative for people who care deeply about their faith, about Christian harmony, and about the church's calling in the world. In this updated and revised version of A Public Faith (NavPress 2000), Drew helps Christians develop practical biblical convictions about critical social and political issues.

Distinguishing between moral principle and political strategy, Body Broken equips believers to maintain the unity of the church while building their political activism upon a thoughtful and biblical foundation. Drew helps Christians of all political persuasions understand how to practice servanthood, cooperation, and integrity in today's public square.
--
Charles D. Drew, M.Div., has pastored for thirty years in Virginia, Long Island, and New York, all in university settings. He presently serves as the senior minister of Emmanuel Presbyterian Church, which he founded in 2000 near Columbia University. He speaks frequently to university groups and churches and is the author of The Ancient Love Song and A Journey Worth Taking. He and his wife, Jean, have two married children and two grandchildren.
Books Deals

Amazon Coupons
g: 0 Posted By: mlhm5
Views: 134 Replies: 0 Item
Link

Review
Link

I bought this as well as the Goopad N8. No issues so far. Using Ptel Pay as You Go


Cell Phones Deals
g: 3 Posted By: remick
Views: 229 Replies: 0 http://www.amazon.com/REALLY-SIMPLE-SMOKING-CURING-HOW-TO-ebook/dp/B00FBFRVW4

Print Length: 505 pages

Like gourmet smoked and salt-cured foods? Parma hams? Cold-smoked salmon? Pancetta and other "real" bacons? Spare ribs and brisket?
Want to make them at home? With all the taste, authentic flavour and trimmings of the store-bought items, but at a fraction of the cost?
Everything you need is right here. Equipment, tools, accessories and recipes, and a whole range of new techniques and methods to home-smoke, bbq and dry cure delicacies like prosciutto hams, cured bacons, salmon, spare ribs, biltong, jerky, brisket to name just a few!
Over 500 pages, generously illustrated, and written in simple language, "Really Simple Cold Smoking, BBQ and Salt Curing at Home" is actually three books in one at a price that would be a bargain for just one of them!
In this definitive book you'll discover
- the little known secrets of the pros for making up your own rubs, pastes, marinades, mops, bastes and sauces;
- the unique characteristics of different woods and fuels used in the food smoking process, and which are best for different applications;
- a range of smoked foods which could, for many readers, represent new and exciting food territory; foods like smoked and salt-cured fruit, nuts, dairy products (cheeses and butters), molluscs and other seafoods which are quite simply delicious!;
- how simple, and how comfortably within the capabilities of most people deli-style cold-smoking, or dry-curing really is!;
- survival secrets of "emergency" food smoking for hikers, campers, hunters, fishermen and survivalists, who would like, while still in the wild, to smoke any bounty collected from the outdoors, but who frequently don't have access to conventional (or any!) smoking equipment to do so;
- how-to build your own food smoking and dry-curing equipment at home partly as a low-cost alternative to the (undoubtedly excellent, but often fairly expensive) commercial equivalents, and partly for the good, warm feeling of accomplishment it brings!; and
- Illustrated charts showing the major cuts of meat from each of the main animal groups pork, beef, lamb and venison.... and the list goes on!
Readers of How-To Instructional books (like this one) fall somewhere between two extremes. At one extreme are those who want to know "Why?" before they learn "How?" At the other extreme are those who simply want a clear-cut set of instructions.
The publishers in this book unravel the Gordian knot and satisfy both classes of reader by covering both the "Why" and the "How" in the first half of the book, while limiting the second half to just the "How".
Whatever your current level of expertise and skill, there'll be something in this book to expand and enrich it. Get it now!
Books & Magazines Deals
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/REALLY-SIMPLE-SMOKING-CURING-HOW-TO-ebook/dp/B00FBFRVW4

Print Length: 505 pages

Like gourmet smoked and salt-cured foods? Parma hams? Cold-smoked salmon? Pancetta and other "real" bacons? Spare ribs and brisket?
Want to make them at home? With all the taste, authentic flavour and trimmings of the store-bought items, but at a fraction of the cost?
Everything you need is right here. Equipment, tools, accessories and recipes, and a whole range of new techniques and methods to home-smoke, bbq and dry cure delicacies like prosciutto hams, cured bacons, salmon, spare ribs, biltong, jerky, brisket to name just a few!
Over 500 pages, generously illustrated, and written in simple language, "Really Simple Cold Smoking, BBQ and Salt Curing at Home" is actually three books in one at a price that would be a bargain for just one of them!
In this definitive book you'll discover
- the little known secrets of the pros for making up your own rubs, pastes, marinades, mops, bastes and sauces;
- the unique characteristics of different woods and fuels used in the food smoking process, and which are best for different applications;
- a range of smoked foods which could, for many readers, represent new and exciting food territory; foods like smoked and salt-cured fruit, nuts, dairy products (cheeses and butters), molluscs and other seafoods which are quite simply delicious!;
- how simple, and how comfortably within the capabilities of most people deli-style cold-smoking, or dry-curing really is!;
- survival secrets of "emergency" food smoking for hikers, campers, hunters, fishermen and survivalists, who would like, while still in the wild, to smoke any bounty collected from the outdoors, but who frequently don't have access to conventional (or any!) smoking equipment to do so;
- how-to build your own food smoking and dry-curing equipment at home partly as a low-cost alternative to the (undoubtedly excellent, but often fairly expensive) commercial equivalents, and partly for the good, warm feeling of accomplishment it brings!; and
- Illustrated charts showing the major cuts of meat from each of the main animal groups pork, beef, lamb and venison.... and the list goes on!
Readers of How-To Instructional books (like this one) fall somewhere between two extremes. At one extreme are those who want to know "Why?" before they learn "How?" At the other extreme are those who simply want a clear-cut set of instructions.
The publishers in this book unravel the Gordian knot and satisfy both classes of reader by covering both the "Why" and the "How" in the first half of the book, while limiting the second half to just the "How".
Whatever your current level of expertise and skill, there'll be something in this book to expand and enrich it. Get it now!
Books & Magazines Deals
g: 2 Posted By: BenDB
Views: 1005 Replies: 1 I have been following the recent price cuts on the ST and VT lines from Panasonic, but I hadn't seen much on a 55" TV which is what I am shopping for.

I found a coupon code for Paul's TV that brings the price of the TC-P55VT60 down to $1599. It is AUTUMN28.

This includes their 'white glove' delivery, which includes taking it the room you want (up to two flights), unboxing it, and doing a power-on test. (They do not assemble or attach the stand; usual procedure is to ask them to put the TV back in the box or its packing materials, and do the final placement yourself.)

No tax in the states without a Paul's TV store. If you are near a Paul's TV store, you can price match to the online site very easily.

If you have not been following the Plasma saga, this is the first TV to get a perfect '10' on its picture rating from CNET. Plus, Panasonic will not be bringing out any more Plasma TVs, according to several news reports.

If you want to drop down to the ST line, you can save $400 or so, but you lose some things: slight picture quality drop, 3D is not as good, bad lag times for gaming, and it has more problems with glare, and with picture quality in well-lit rooms.

You can also go up to the ZT line, which gets you better bright-room performance, and better anti-reflection technology, but no 55" size. Though if bright-room performance is critical for you, considering a high-end LCD TV, or the Samsung 8500 line of Plasmas are also good alternatives.

Edit: I forgot to mention that there is 2.5% cash back here at Fat Wallet. Plus, if you haven't heard, if you order online and use Discover, there is an online offer of 5% back from Discover, I would expect them to stack.

Edit: updated title, verified coupon code now OK for FW Cash Back.


Plasma TV Deals

Paul's TV Coupons
55" Panasonic Plasma TV, TC-P55VT50. $1599 delivered from Paul's TV
Added on : Saturday October 19th 2013 12:00:06 PM
g: 0 Posted By: BenDB
Views: 277 Replies: 0 I have been following the recent price cuts on the ST and VT lines from Panasonic, but I hadn't seen much on a 55" TV which is what I am shopping for.

I found a coupon code for Paul's TV that brings the price of the TC-P55VT60 down to $1599. It is AUTUMN28.

This includes their 'white glove' delivery, which includes taking it the room you want (up to two flights), unboxing it, and doing a power-on test. (They do not assemble or attach the stand; usual procedure is to ask them to put the TV back in the box or its packing materials, and do the final placement yourself.)

No tax in the states without a Paul's TV store. If you are near a Paul's TV store, you can price match to the online site very easily.

If you have not been following the Plasma saga, this is the first TV to get a perfect '10' on its picture rating from CNET. Plus, Panasonic will not be bringing out any more Plasma TVs, according to several news reports.

If you want to drop down to the ST line, you can save $400 or so, but you lose some things: slight picture quality drop, 3D is not as good, bad lag times for gaming, and it has more problems with glare, and with picture quality in well-lit rooms.

You can also go up to the ZT line, which gets you better bright-room performance, and better anti-reflection technology, but no 55" size. Though if bright-room performance is critical for you, considering a high-end LCD TV, or the Samsung 8500 line of Plasmas are also good alternatives.

Edit: I forgot to mention that there is 2.5% cash back here at Fat Wallet, if the AUTUMN28 coupon is added to the coupon page. Plus, if you haven't heard, if you order online and use Discover, there is an online offer of 5% back from Discover,


Plasma TV Deals

Paul's TV Coupons
g: 0 Posted By: VivYip
Views: 127 Replies: 0 I was looking at the other craftsman weedwacker and tried searching to find out more info.

FWIW, I saw Kmart has this alternative(?)

Craftsman WeedWacker Gas Trimmer 25cc* 2-Cycle Curved Shaft
Built to last with a 10 year shaft and 2 year full warranty, the Craftsman Weedwacker Gas Trimmer 2 Cycle Curved brings the reliability and ease of use you can depend on home and get more out your spring, summer and fall
25cc* 2-cycle engine is durable and lightweight (requires mixing gas and oil 40:1)
Incredi-Pull starting system reduces the starting effort with a slow, smooth pull
Curved shaft is easy to handle and well balanced for the average user
Dual line bump cutting head easily advances trimmer line
Adjustable handle boasts a comfortable, ergonomic design
2-year full warranty
10-year limited shaft warranty
*As rated by engine manufacturer

Hope this might help someone. Thank you for reading.
Garden Deals

Kmart.com Coupons
What are the best short-term, very liquid "investments"
Added on : Friday October 18th 2013 05:00:06 AM
g: -1 Posted By: jjbear11
Views: 47 Replies: 3 I've tried searching on the forums, but couldn't find anything that fit the bill of my situation; so, I figured that I'd ask around to see what ideas are out there.

I'll be starting a new job as a contractor, which means that I'll be responsible for socking away my own funds for vacation, sick days, holidays, etc during the duration of the contract (contracting period could be up to 12 months, if not longer). I'm looking for a vehicle to make the best return on those funds, while also making the extremely liquid -- I'm talking about being able to have cash in hand within no more than 24 hours. I know that I can put it in savings via my credit union, but I'm hopingthere is a better alternative that that.

I'd consider myself to be a beginner when it comes to financial savvy, so any suggestions are welcome; thanks for reading!!
Investing Deals
Amazon 2 pack of 50 oz Tide Detergent for $9.38 + FS w/ S&S
Added on : Tuesday October 15th 2013 05:00:02 PM
g: 0 Posted By: master10
Views: 131 Replies: 0 Amazon has the 2 pack of 50 oz Tide HE and non-HE Tide Detergent for $11.97 - 5% S&S discount - $2 coupon clip on page = $9.38 + FS

Tide HE with Original Scent, 50 Ounce (Pack of 2)

Tide HE with Bleach Alternative Orginal Scent, 50 Ounces (Pack of 2)

Non-HE
Tide with Bleach Alternative Original Scent, 50 Ounce (Pack of 2)

Tide with Cold Water Fresh Scent, 50 Ounces (Pack of 2)



Home & Garden Deals

Amazon Coupons
Creative Student Loan Solution - Assistance Please
Added on : Monday October 14th 2013 09:00:13 AM
g: 0 Posted By: ultrabrassman
Views: 202 Replies: 1 Good Afternoon FWF,

I have been trying to come up with a solution to my student loan situation, which isn't bad, i just know it could be better. I've tried a few ideas, which I'll list below, but they weren't successful. I read through some of the forum search results for "Student Loans" and found a few good ideas, which I'll mention below also. Here's the current situation:

Recently moved, still looking for work here.
Undergrad degree in Computer Engineering
MBA degree since 2011
MBA loans are @ 6.8% rate w/ $35K outstanding
Undergrad loans are @ 5.875% rate w/ $15K outstanding
Different Undergrad Loans are @ 4.5% rate w/ $18K outstanding
Credit score over 800+
$150K in invested equity investments
$18K in savings until employment situation is resolved (9 more months of expenses)

Other things specific to my situation:
I am making all my payments and have no issues there in terms of these loans.
The return on my investment portfolio is better than the cost of capital rate on these loans.
I don't like the idea of 6.8% rate since it's so much higher than the rest and the current market environment has such low interest rates.

My goal is to find a way to reduce the 6.8% rate to a lower level.

I have read through the forums for similar situations and I came across a few mentions of a PenFed Fixed Rate transfer Card and a Wells Fargo No Fee (loan or card?) idea also. Those may apply in this situation, but I'm unfamiliar with them. Specifically, how do I go from having a student loan balance with a company to getting that transferred to the card?

I have also tried at Bank of America to get a collateralized loan based on my investment portfolio at a lower rate, similar to that of a home or something they can reclaim easily if payments are missed, so that I could get a lower rate and reduce payments. They weren't helpful to say the least. I tried inquiring at my Scottrade office, about short-selling fixed rate treasuries/bonds and using the proceeds to withdraw and payoff the loans, and the difference would be paid into my account over time with the current student loan expenses each month. That was also not possible, and the alternative was a margin loan... which just was too high rate. Those are the two options I've looked at so far.

I'm open to ideas on how to find a solution to lowering the average rate of my loans outstanding. I'd greatly appreciate any constructive feedback and I hope something here may help others as well.

Thanks in advance for your help.

My Best,
Chris

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Views: 282 Replies: 0 http://www.amazon.com/dp/B00COGYQOO

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Added on : Saturday October 12th 2013 01:00:02 AM
g: -1 Posted By: Reots
Views: 220 Replies: 2 https://www.massdrop.com/buy/bug-a-salt?mode=guest_open
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Added on : Thursday October 10th 2013 01:00:05 AM
g: 0 Posted By: EGFTrader
Views: 44 Replies: 0 www.amazon.com/dp/B00F1KAWEI

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g: 0 Posted By: VivYip
Views: 86 Replies: 0 credit techbargains

Adorama has this item for $696.95 with free shipping.

This item comes with the $200 GC, so after everything, it's $496.95

Pentax K-50 Digial SLR Camera Body Only, White, Bundle - with Adorama $200.00 Gift Certificate, Pentax DSLR Black Slingbag 2, Pentax 2 Year K-50 Body Extended Warranty & Lexar 32GB Class 10, Pro 400x SDHC UHS-I Memory Card
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Thank you for your patience in reading
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g: 0 Posted By: bittul
Views: 120 Replies: 0 At 36 cents an ounce... This is about as low as it gets.
~~~~~~~~~~~~~~~~~~~~~~~~~

drugstore.com has a BOGO 50% off coupon for Crest products. (also a $0.50 off coupon).

A nice deal is the 7.6 oz Crest 3D White Vivid Fluoride Anticavity (Radiant Mint) Toothpaste which is on sale for $3.99. = $5.49 for 2+ FS w/Shoprunner after both coupons.

Link to $0.50 coupon page. (Clicking "clips" coupon, and shows products)
Link to BOGO 50% Promotion page. (Clicking "activates" promotion, and shows products)

(alternatively get 8 for $18.46 using "new customer" discount. See Below)

Note: For the other products, BEFORE placing you order, double check the price at Amazon, which after (the same) $0.50 coupon, could end up cheaper if you have 5x S&S.

~~~~~~~~~~~~~~~~~~~~~~~~~~
Note, I haven't found any working % off codes/links for October yet... If you find one, please do update. But you could use it as a filler for the awesome Dove deal. Or just use the "new customer" discount there to get 8 for $18.50.
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drugstore.com Coupons
g: 0 Posted By: GMY
Views: 134 Replies: 0 I purchased one of these last week from Amazon and find it very acceptable in use and performance. My review is below.

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This is the regular price, but it is a viable alternative to the HP 12C for people who aren't able or don't want to spend the additional $50 or so to buy the HP.

Comparable to HP12C but with larger display and lower cost
Executive-Style Carrying Case UPC 14751000127
Power Supply (2) AAA Batteries
Over 128 Functions


For $13 You Get a Very Good Copy of HP Financial Calculator

Pros:
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Nice Large Digit Display
Uses AAA Batteries Instead of Button Batteries

Cons:
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Commas and Decimal Points Are Way Too Small
Batteries Were Discharged and Covered With Corrosion
Is Too Large To Fit Comfortably in Shirt Pocket, Unlike The HP 12C
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$50 gradsave.com 529 donation: $30 @ Groupon ($25.50 after shopdiscover)
Added on : Tuesday October 08th 2013 11:00:05 AM
g: 0 Posted By: squinky86
Views: 414 Replies: 3 Groupon has the GradSave $50 gift card on sale for $30. Shopdiscover has 15% back on Groupon.com; alternatively, you're encouraged to use FatCash.
$30 - $4.50 (discover bonus) = $25.50 for $50 contribution to a 529 fund through gradsave.

Link to Groupon Deal(expires 10/10)

(link to similar old LivingSocial dealfor reference; this isn't as good as the old LivingSocial deal, but it's better than nothing! Note the difficulty many people had in actually withdrawing the funds)
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$30 for $50 gradsave.com 529 donation @ Groupon
Added on : Tuesday October 08th 2013 08:00:04 AM
g: 0 Posted By: squinky86
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$30 - $4.50 (discover bonus) = $25.50 for $50 contribution to a 529 fund through gradsave.

Link to Groupon Deal(expires 10/10)

(link to similar old LivingSocial dealfor reference; this isn't as good as the old LivingSocial deal, but it's better than nothing!)
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Groupon Coupons
g: 0 Posted By: Ayla
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g: 8 Posted By: archena
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Added on : Friday October 04th 2013 05:00:11 AM
g: 0 Posted By: vipinb
Views: 62 Replies: 0 Free 1 month GameFly trial + 1 month hulu plus

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Maximizing Obamacare ACA Insurance Exchange Subsidies
Added on : Thursday October 03rd 2013 11:00:04 PM
g: 0 Posted By: calwatch
Views: 91 Replies: 0 With the new Affordable Care Act (Obamacare) in place, tax planning is even more Crucial than ever because of the subsidies provided to buy health insurance on an ACA exchange. Through some income shifting, and estimation, on can take advantage of some of the loopholes in the law and gain health insurance at little cost. Conversely, there are many sub-poverty individuals who cannot qualify for Medicaid expansion since their state didn't sign up, but through a back door way can still get affordable insurance simply by making large estimated tax payments to a state or projecting future income above the poverty line. For those near the poverty line in a Medicaid expansion state, paying attention to the deadlines can avoid having to cycle back and forth between private insurance and the Medicaid system, which generally offers far less choice than most exchange plans.

All income referenced to is MAGI (which is AGI plus nontaxable Social Security, tax exempt interest, and foreign earned income). Regulations on premium tax credit (with examples)

Making too much money

If you think the phaseout for the tuition and fees credit or earned income tax credit is abrupt, the ACA phaseout is even more so. At 400% Federal Poverty Limit (FPL) the subsidy is completely eliminated and there is no cap on repayment amount.

So if you are trying to get income below 400% FPL in order to qualify you need to make sure that you'll hit that. The only way to adjust MAGI after December 31 is through deductible IRA/HSA contributions but traditional IRA deductions phase out for single/HOH AGI over ~$60k or MFJ over ~$100k. Since 400% FPL is $62k for a 2 person household and $110k for a 5 person household this quickly becomes nonviable. To qualify for HSA you have to use an HDHP - I have heard of some exchanges with HSA compatible Bronze plans in Obamacare, but you have to be eligible for HSA prior to December 1 of the tax year. So you have to reduce income below 12/31 which means the usual - contribute max to 401ks, 457s, and 403bs, tax loss harvest to get the $3000 capital loss deduction, and advance business expenses. This also makes income spiking a better deal - if you know you aren't going to qualify for the subsidy, then you could opt to spike income by taking bonuses/income or deferring expenses one year to stay far above 400% FPL, while managing expenses and deductions to remain below 400% FPL other years. Also since recoveries like state income tax refund is treated above the line it is important to manage those so that they don't send someone intentionally above 400% FPL.

The same considerations are at the break point at 133% FPL, where there is a 2% MAGI to 3% MAGI jump.

One interesting loophole in the regulations is the maximum recapture limit on the credit, which can have interesting impacts depending on how you estimate your income. Lower income means more subsidies AND access to special Silver plans that have reduced cost sharing. So for instance a single 60 year old declaring $20,000 in annual income (175% FPL) in LA County gets a $470 monthly subsidy for a "Silver 87" plan with a $2250 out of pocket cap. At the end of the year, they really had a $45,000 MAGI (390% FPL). Normally a $45,000 MAGI qualifies for a "Silver 70" plan with a $6350 OOP cap and a $199 monthly subsidy. Now let's say they got the subsidy for 12 months. The maximum recapture limitation (regulations 1.36B-4-a-3) is $1,250 for the year. But the actual "unearned" subsidy for the year is $3,252, and this for a better plan with a $4100 lower out of pocket cap. Thus, $2,002 (the unearned subsidy above $1,250) is now written off, and up to $4,100 in OOP are never incurred. Just make sure you stay below 400% FPL or else you will have to pay the whole subsidy back (although presumably not the out of pocket cost).

Generally, due to time value of money, if you can afford to repay the credit should you estimate wrong, you should do so, since those credits only need to be repaid April 15 after the year that you receive the advance credits. I can't tell if you have to pay estimated tax penalty on advance credit repayments, but most people should avoid them anyway due to the 100% of prior year tax safe harbor rule.

There are better articles that go into the farce of the "estimation" process for ACA subsidies. Still, even without fraud, one could have honest reasons not to report changes in income - perhaps the job is temporary or unstable and you want to wait until it is stable before reporting the change in income. Regardless, you take advantage of the recapture cap.

For those who want to take advantage of the subsidy this makes the usual advice to do Traditional to Roth conversions in low income periods questionable as Roth conversions are in MAGI. While this may not be an issue for higher income or younger people (a 30 or 40 year old making 390% FPL gets no subsidy anyway in CA since the Silver plan is deemed affordable as a share of MAGI), that 40 year old making $20,000 in odd jobs and unemployment gained $2,112 in subsidy. Is it worth it to convert $25,000 in the 401k to Roth to fill the 15% tax bracket (the normal advice), and lose that $2,112, which is in effect another 8% tax on the conversion?

Making too little money

First, for states without Medicaid expansion, for those below 100% FPL who can control their income, the obvious answer is to get more income. Sell and immediately rebuy winning investments to reset basis and create capital gains (which may also qualify for 0% LTCG), move tax inefficient investments to taxable, do 401k/Traditional IRA conversions, get a job, gamble and report your winnings honestly, sell things and report the income with zero basis on the items sold (since you have no documentation proving the acquisition cost), etc.

But what if you didn't have to do that?

From a Bogleheads thread (where I was admonished not to "game the system"):

My reading of the regulations states that, as long as you estimate at the time of enrollment that your MAGI is between 100% and 400% of FPL, that you are still eligible for subsidies, even though your actual income falls below 100% of FPL. This could happen, for instance, if one lost their job in the middle of the year, which takes them below 100% of FPL. Even if they had to pay back subsidies, an additional provision in regulations limits that to $300 for singles, and $600 for other taxpayers.

1.36B2 Eligibility for premium taxcredit.

[...]
(b) Applicable taxpayer(1) Ingeneral. Except as otherwise providedin this paragraph (b), an applicabletaxpayer is a taxpayer whose householdincome is at least 100 percent but notmore than 400 percent of the Federalpoverty line for the taxpayers familysize for the taxable year.
[...]
(6) Special rule for taxpayers withhousehold income below 100 percent ofthe Federal poverty line for the taxableyear. A taxpayer (other than a taxpayerdescribed in paragraph (b)(5) of thissection) whose household income for ataxable year is less than 100 percent ofthe Federal poverty line for thetaxpayers family size is treated as anapplicable taxpayer if
(i) The taxpayer or a family memberenrolls in a qualified health planthrough an Exchange;
(ii) An Exchange estimates at the timeof enrollment that the taxpayershousehold income will be between 100and 400 percent of the Federal povertyline for the taxable year;
(iii) Advance credit payments areauthorized and paid for one or moremonths during the taxable year; and
(iv) The taxpayer would be anapplicable taxpayer if the taxpayershousehold income for the taxable yearwas between 100 and 400 percent of theFederal poverty line for the taxpayersfamily size.

(7) Computation of premiumassistance amounts for taxpayers withhousehold income below 100 percent ofthe Federal poverty line. If a taxpayer istreated as an applicable taxpayer underparagraph (b)(5) or (b)(6) of this section,the taxpayers actual household incomefor the taxable year is used to computethe premium assistance amounts under 1.36B3(d).

1.36B3 Computing the premiumassistance credit amount.

[...]
(d) Premium assistance amount. Thepremium assistance amount for acoverage month is the lesser of
(1) The premiums for the month forone or more qualified health plans inwhich a taxpayer or a member of thetaxpayers family enrolls; or
(2) The excess of the adjustedmonthly premium for the applicablebenchmark plan over 1/12 of theproduct of a taxpayers householdincome and the applicable percentage
for the taxable year.

That "applicable percentage" is defined in 1.36B-3(g) and is 2.0% of household income (MAGI) for those under 200% of FPL.

Also, for those making under 400%, a "repayment" clause applies further limiting the actual tax subsidy repayment for those under 200% FPL to $300 for singles, $600 for all other taxpayers.

1.36B4 Reconciling the premium taxcredit with advance credit payments.
(a) Reconciliation
(1) Coordinationof premium tax credit with advance
credit payments
(i) In general. Ataxpayer must reconcile the amount ofcredit allowed under section 36B withadvance credit payments on thetaxpayers income tax return for ataxable year. A taxpayer whosepremium tax credit for the taxable yearexceeds the taxpayers advance creditpayments may receive the excess as anincome tax refund. A taxpayer whoseadvance credit payments for the taxableyear exceed the taxpayers premium taxcredit owes the excess as an additionalincome tax liability.

(3) Limitation on additional tax(i)In general. The additional tax imposedunder paragraph (a)(1) of this section ona taxpayer whose household income isless than 400 percent of the Federalpoverty line is limited to the amountsprovided in the table in paragraph(a)(3)(ii) of this section (or successortables). For taxable years beginning afterDecember 31, 2014, the limitationamounts may be adjusted in publishedguidance, see 601.601(d)(2) of thischapter, to reflect changes in theconsumer price index.

This refers to a table which shows the maximum subsidy repayment for single taxpayers ("determined under section 1(c)") with MAGI under 200% FPL at $300, or $600 for other taxpayers.

So for sub poverty level in non-Medicaid expansion states the answer is clear - be more optimistic in declaring income. Note that the exchanges do check reduction in income (to qualify for more subsidy) but don't check increase in income (and, even if this were the case, one paycheck from a seasonal job can be extrapolated for the year). For the super honest, Bogleheads had an interesting tactic of prepaying state estimated tax in the previous year and itemizing (taking care to pay more than the standard deduction normally received), and then receiving the entire state tax refund as income, thus generating enough MAGI to go above 100% FPL. An alternative way is to declare cash income from self employment, as described in this great Forbes article (which includes other loopholes and outright frauds).

Unfortunately, this will help dull some of the movement complaining about the "donut hole" in coveragesince some advocacy groups are already publicly encouraging people to be optimistic.

In Medicaid expansion states, there will be those at the low end that want to avoid Medicaid, since the exchanges may offer more choice. Unfortunately premium credits are not available to those who are eligible for Medicaid (called "government sponsored minimum essential coverage"). Therefore, people will cycle in and out of Medicaid and the exchange depending on income. But, there is a minimum three months grace period to application date, never mind actual receipt of Medicaid. Even if you were ultimately ineligible you are still subject to the subsidy recapture cap.

Under the final regulations,an individual who fails to complete therequirements necessary to receivebenefits available under a government sponsoredprogram by the last day of thethird full calendar month following theevent that establishes eligibility istreated as eligible for the coverage onthe first day of the fourth calendarmonth. Because an individual whotimely completes the necessaryrequirements is treated as eligible forgovernment-sponsored minimumessential coverage no earlier than thefirst month that the individual mayreceive benefits, this 3-month timeperiod does not include the time neededfor a government agency to process anapplication.

See also Example 6 under 1.36B-4. Although it uses employer coverage as an example, it calculates how much needs to be repaid and states that it is subject to the cap. So if you are below 133% of FPL in a Medicaid eligible state, then file the paperwork on the last day of the third month after you become eligible for Medicaid. (But how do you know you are eligible if you can control your income at will? That would be based on the Medicaid regulations for eligibility.)This also works great for people who originally qualify for the exchange but then work for an employer with unaffordable or undesirable coverage, but coverage that still meets Obamacare's minimum requirements. An example would be an unemployed person who has exchange insurance but then gets a job which only offers a Obamacare-qualified captive HMO as its coverage option. They don't want to switch doctors, but they never notify the exchange of their employment. They are subject to the annual recapture cap, at least until the exchange recertifies (at which point the person would then perjuring themselves by signing the certification that they have no qualified coverage).

The married filing separately vs. jointly calculations are even more interesting but that is an exercise left to the reader.





Discussion Deals
Loan to Liquor/Beer store
Added on : Thursday October 03rd 2013 04:00:11 AM
g: 0 Posted By: zimma13
Views: 211 Replies: 9 I know someone who owns 2 liquor/beer stores outright and 50% of a third store (no loans, mostly cash business). He is buying a 4th store. I can loan him $20,000 at 25% for 1 year secured by one of the existing stores (not the new one). Written up in a contract and paid in cash each month (no taxes). If we mutually agree, the loan can keep rolling in yearly increments. He lives in my neighborhood. I sometimes get free beer already.

1. Would you do it?
2. Anything I should look out for to include in the contract to protect myself?
3. He only wants a loan, not for me to own a % of the store. Note I will do nothing but lend the money. He is the one that does all the work.

The alternative is that I buy a rental property which won't have as good of a cash return (once rented)but is secured by real estate andI hope the value increases. This is in Florida so $20k can nearly be 20% down on a house.

Personal Finance Deals
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
Books & Magazines Deals
g: 0 Posted By: bru20
Views: 0 Replies: 0 Barnes & Noble NOOK HD+ Tablet 16GB (Refurbished) bntv600 1 year warranty $110 + FS @ eBay

Says HD in the title but PN and description (9" etc.) corresponds to the HD+.

An alternative to the 1sale deal.

Not a lot of history on the seller. FWIW this is an eBay Giving Works charitable listing.

Link
g: 0 Posted By: bru20
Views: 219 Replies: 0 Title on listing says HD but PN corresponds to the HD+
An alternative to the 1sale deal, albeit for $8 more.
This is aneBay Giving Workscharitable listing.

Link

This one for $119The seller has many more reviews.
Android Tablets Deals
Free 30 day trail of Cialis (for Erectile Dysfunction)
Added on : Monday September 30th 2013 08:00:04 AM
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

The CIALIS Promise=0.8emTMProgramWith the Promise Program, men with erectile dysfunction (ED) and men with both ED and the symptoms of benign prostatic hyperplasia (BPH) can try 1 month's supply (30 tablets) of CIALIS for daily use (2.5 mg or 5 mg) for FREE. Or, since CIALIS for use as needed (5 mg, 10 mg, 20 mg) is also indicated for the treatment of ED, men with ED can try 3 tablets of 36-hour CIALIS*=0.8emfor use as needed (10 mg or 20 mg) for FREE. Remember, only you and your healthcare provider can decide if CIALIS is right for you.First, download your voucher. You and your doctor can choose between a 30-day, 30-tablet free trial of CIALIS for daily use (2.5 mg or 5 mg) or a 3-tablet free trial of 36-hour CIALIS for use as needed (10 mg or 20 mg). It's a FREE TRIAL, so there's absolutely no cost to you. And with CIALIS, you can be more confident in your ability to be ready when the moment is right.* Remember, you can take advantage of only 1 CIALIS Promise Program FREE TRIAL voucher every 12 months.
* Individual results may vary. Not studied for multiple attempts per dose. =0.8em In clinical trials, 36-hour CIALIS taken as needed was shown to improve, up to 36 hours after dosing, the ability of men with ED to have a single successful intercourse attempt.
If you use this offer to try CIALIS and you and your healthcare provider decide it's not the right ED treatment for you, we promise to pay for another CIALIS option or 3 tablets of another prescription ED medication of your choice, as prescribed by your healthcare provider. Offer applies to ED medications only, not other BPH treatments. If you are taking CIALIS for daily use to treat only your BPH symptoms, you are not eligible for a second trial of an alternative ED treatment.
Jacob A60 CREE XR-E 3-Mode Thrower Flashlight $12.99 Shipped
Added on : Monday September 30th 2013 05:00:02 AM
g: 0 Posted By: purchaseacct
Views: 0 Replies: 0 http://www.aurabuy.com/jacob-a60-cree-q5-3-mode-310lm-white-led-flashlight-torch-w-strap-black-1-18650.html

So you may be asking why do I want to spend $13 for a CREE Q5 when there are other alternatives floating around for half the price?
This is a long-distance thrower, suitable for those who wants to see something far out there. It has specially designed reflector combined with the LED type and lens which make it serves its purpose. Read the in-depth review below with comparison with a couple other flashlight to determine if it's suitable for your need

In-depth review: http://budgetlightforum.com/node/19706

g: 0 Posted By: bittul
Views: 69 Replies: 0 Add or deduct items, just make sure to keep it over $25 before any coupons/discounts.

Alternatively, just stick with one item and enjoy the S&S discount as well.

Select items from here: http://www.amazon.com/b/?node=7246530011


~~~~~~~~~~~~~~~~~~~~
"Clip" all applicable coupons on product pages.
(The coupons for "my items" are: here, here, here, here, and here.

2x Axe Axe Body Spray Twin Pack, Dark Temptation, (4 oz each)*:
http://www.amazon.com/Spray-Temptation-Amazon-Exclusive-Packagin...

Dove Go Sleeveless AntiPerspirant Deodorant, Soothing Chamomile, 2.6 Ounce*:
http://www.amazon.com/Dove-Sleeveless-AntiPerspirant-Deodorant-C...

Dove Body Wash with NutriumMoisture, Sensitive Skin Nourishing, 24 Ounce:
http://www.amazon.com/Dove-NutriumMoisture-Sensitive-Nourishing-...

Dove Men + Care Body and Face Wash, Fresh Awake, 18 Ounce:
http://www.amazon.com/Dove-Care-Fresh-Awake-Ounce/dp/B0081HH26E/

*(note, opting for the slightly cheaper deodorant kept me just under $25, so I went with the slightly more expensive one. [could've have also went with that and the slightly more expensive Axe].)
Beauty Deals

Amazon Coupons
g: -2 Posted By: remick
Views: 208 Replies: 0 http://www.amazon.com/Difference-You-Make-The-ebook/dp/B00AHY0WFM

4.7 out of 5 stars with 31 reviews

We each have an enormous sphere of influence--and most of us don't even realize it. This is a book with a mission--a mission to show you the impact of your life on those around you.

"After you read The Difference You Make, you'll never take your influence for granted again. Pat Williams gives you all the tools you need to refine, enrich, and expand your influence on the world around you."--Mike Smith, Atlanta Falcons head Coach

"If you want to live a life of significance, then live to impact others! Pat Williams gives you the practical insights and powerful motivation you need to live a life of influence in your home, your workplace, your community, and your world."--Dr. Tony Evans, The Urban Alternative founder and president

"This should be recommended reading for people in all walks of life, as a blueprint of what is possible in our role as difference-makers."--Muffet McGraw, University of Notre Dame head women's basketball Coach

"I know of no one more capable of helping others realize their potential and the 'difference they can make' than Pat Williams."--Terry Collins, New York Mets manager

"Pat Williams not only inspires us to be people of influence, but he gives us the practical steps and tools we need to impact others in a powerful way."--Romeo Crennel, Kansas City Chiefs head Coach

"Packed with valuable new insights about how to have a powerful, positive impact on people in your life. Read it and put these principles into practice. This book is a game changer."--Don Mattingly, Los Angeles Dodgers manager
Books Deals

Amazon Coupons
FREE Lane Bryant pants......Ship FREE to store near you
Added on : Friday September 27th 2013 08:00:13 PM
g: 3 Posted By: dotez
Views: 333 Replies: 0 Free pants ladies, not going to last long......

LINKY

Select your size, add to cart, total should drops to $0.00. (No Payment or C.C info required, DO NOT use paypal, will not go through, select in store pick up & finish checking out.........Also alternatively You can have them shipped for $7.95
Please show some love and vote, so it can make it to front page and more people can dress for free
Clothing Deals

Lane Bryant Coupons
g: 0 Posted By: Virgil27
Views: 1328 Replies: 1 Apokolypse Men's Premium Slim Fit Sweater Vest (3-Pack) @ Tanga - $24.99
compare at $70.00
Shipping adds $1.99.While I'm not sure what to make of clothing brand which sounds similar to either the end of the world, or alternatively, the home planet of the supervilain Darkseid, the savings on this 3-Pack Sweater Vest are earth-shattering for $45 off the next lowest price plus Cash Back!Available in various colors in Small, Medium and Large. Coupons:
FATWALLET - Extra $2 off (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Tanga Coupons
Apokolypse Men's Premium Slim Fit Sweater Vest (3-Pack) @ Tanga - $24.99
Added on : Tuesday September 24th 2013 04:00:03 PM
g: 0 Posted By: Virgil27
Views: 240 Replies: 0 Apokolypse Men's Premium Slim Fit Sweater Vest (3-Pack) @ Tanga - $24.99
compare at $70.00
Shipping adds $1.99.While I'm not sure what to make of clothing brand which sounds similar to either the end of the world, or alternatively, the home planet of the supervilain Darkseid, the savings on this 3-Pack Sweater Vest are earth-shattering for $45 off the next lowest price plus Cash Back!Available in various colors in Small, Medium and Large.   (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Tanga Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.hilinecoffee.com/

Promo code -BUCK
Vulkano Flow Clearance at RadioShack 49.97 YMMV
Added on : Friday September 20th 2013 06:00:03 PM
g: 0 Posted By: coupons2828
Views: 184 Replies: 0 My first post! Was at the RadioShack in Pasadena, Ca and came across the Vulkano Flow for 49.97 marked as clearance. The lowest I've seen is 79.99. Picture attached. I bought my flow two years ago and love it. Great alternative to slingbox, but quality may not be as good. On the plus side, apps are a lot cheaper.

Unit currently listed at 170 on Amazon: http://www.amazon.com/Vulkano-Flow-Mobile-Device-Viewing/dp/B004...
Electronics Deals

RadioShack Coupons
g: 1 Posted By: mamamoss
Views: 228 Replies: 0 FS to store, ship 1 to home for 5.00, or buy 2, and its FS to home

http://www.walmart.com/ip/Augason-Farms-12-Day-Emergency-Food-Pail/20532431

Augason Farms 12-Day Emergency Pail:

Eight food varieties in pouches sealed with oxygen absorbers or nitrogen flushed
25-year shelf life sealed; pouch life up to 1 year after opening
Provides 2,063 calories per day for 12 days
No hydrogenated oils, trans fats, or added MSG
Includes: cheesy broccoli with rice (18 servings), vegetable stew blend (24 servings), creamy potato soup (18 servings), maple brown sugar oatmeal (20 servings), instant white rice (27 servings), vegetarian meet substitute beef (flavored) (18 servings), hearty vegetable chicken soup (18 servings), Morning Moo's low fat milk alternative (60 servings)

Food Deals

Walmart Coupons
Free - Unregulated Capitalism [Kindle edition] - was $5.99
Added on : Thursday September 19th 2013 01:00:09 AM
g: 0 Posted By: EGFTrader
Views: 5 Replies: 0 www.amazon.com/dp/B00F1KAWEI

Unregulated Capitalism
#69 in Kindle Store > Kindle eBooks > Nonfiction > Politics & Social Sciences > Politics & Government > Ideologies & Doctrines > Democracy

A democracy is portrayed as government by the majority that offers fairness and equal economic opportunity. However, Americans are now left with a democracy and economic system of, by, and for the country's wealthy, elite, and large corporations. With an extreme income and wealth disparity between the "haves" and "have-nots," what the country needs now more than ever is a true democracy with a fair and equitable economic system. With this fascinating new book, readers will finally understand why the solution to rampant capitalism is a revamped social capitalism approach that will lead every democratic nation toward a purer form of democracy.
This eye-opening book provides a detailed look at democratic countries' need to replace unfettered capitalism with social capitalism and offers a thought-provoking alternative that highlights the need to fix the problems that are consistently present when capitalist systems are left to the mercy of greed.
By allowing capitalists to profit from greed beyond need or reason, unrestricted capitalism cripples the economic system of democratic nations and jeopardizes the futures of countless readers. Utilizing ingenious solutions, this captivating guide urges readers to do their part in fixing the problems that plague their nation and potentially to reshape the future of capitalism and possibly even entire nations.
Totally Free Deals
Please please please an alternative to Paypal?
Added on : Monday September 16th 2013 05:00:09 AM
g: 0 Posted By: icecube
Views: 0 Replies: 0 Sold a new 32" LED TV on fleaBay.
Buyer was actually local, about 10 miles away, payed for shipping.
Paypal put a hold on the transaction, froze the funds, and tells me to wait to ship while they investigate (24-48 hours supposedly)
I communicated this to the buyer and let 4-5 days pass.
No word from Paypal at all.
Buyer did a chargeback. Since Paypal never communicated anything to me I'm not sure if buyer's eBay was hijacked and true eBay owner charged back or if buyer was the true account owner and just got tired of waiting.

Now Paypal gets back to me and asks whether I can prove I shipped or whether I accept liability. Accept liability for what?
I call in and explain I didn't ship, I still have the TV. Rep says that the only option then is to accept liability. Buyer will get frozen money back.

Two weeks later, yesterday, Paypal hits my account with a $20 chargeback fee, as well as another $8 and change that was 3% of the payment amount.

WTF?

Contacted Paypal, explained what happened, asked for the $28 to be credited back to my account ASAP.
But their practices are just ridiculous.

Just move on since I've never had a chargeback before and probably won't again for another decade, and at worst I'm out $28?
Or explore alternatives to the monopolistic beast that is Paypal?
I sell 5-10 items per month on fleaBay...


g: 1 Posted By: gizmo
Views: 1909 Replies: 2 Cactus Flower
Onyx
Congo
Desert Palm
Zebra

Kohls Charge - Find any filler (total is short $0.51 of earning the last $10 Kohls cash) site list (low to high) - Kohls Cares merchandise does NOT count towards earning KCash. Total after coupons and before tax needs to be $198.00 to earn $40 KCash.
Use codes FALL30 (30% off with Kohls charge) and BABY10 (10% off baby apparel/gear, credit to sara85)

Non-Kohls charge can use code IKSTHJ for 25% off + BABY10 = $211.61, no filler needed to get $40 KCash
Product Features:

ClickTight installation system
Side-impact protection
Base with SafeCell technology
Five-point harness
Front-adjust recline
Integrated cup holders
Converts to a belt-positioning booster seat

Product Details:

Maximum weight capacity:

Forward-facing with harness from 25-90 lbs.
Booster from 40-120 lbs.

Seat cover: machine wash


Alternatives: Britax SGL Booster from $89 a/c + $10 Kohls Cash. or see all britax models
Baby & Kids Deals

Kohl's Coupons
g: 0 Posted By: gizmo
Views: 310 Replies: 0 Cactus Flower
Onyx
Congo
Desert Palm
Zebra

Find any filler (total is short $0.51 of earning the last $10 Kohls cash) site list (low to high) - Kohls Cares merchandise does NOT count towards earning KCash. Total after coupons and before tax needs to be $198.00 to earn $40 KCash.
Use codes FALL30 (30% off with Kohls charge) and BABY10 (10% off baby apparel/gear, credit to sara85)
Product Features:

ClickTight installation system
Side-impact protection
Base with SafeCell technology
Five-point harness
Front-adjust recline
Integrated cup holders
Converts to a belt-positioning booster seat

Product Details:

Maximum weight capacity:

Forward-facing with harness from 25-90 lbs.
Booster from 40-120 lbs.

Seat cover: machine wash


Alternative; Britax SGL Booster from $89 a/c + $10 Kohls Cash. or see all britax models
Baby & Kids Deals

Kohl's Coupons
g: 0 Posted By: Reots
Views: 163 Replies: 0 http://us.ncix.com/products/?sku=77498

$20 Rebate

Alternatively there is a XFX 750W PRO750W XXX Edition Single Rail ATX 12V 62A 24PIN ATX Modular Power Supply 80PLUS Silver For $95-$10 rebate, but would need a filler for free shipping over $100

http://us.ncix.com/products/?sku=62224&vpn=P1750BNLG9&manufacture=XFX&promoid=1282


Computers Deals
Fundrise.com as an alternative to REITs?
Added on : Friday September 06th 2013 12:00:07 PM
g: 0 Posted By: vickh
Views: 69 Replies: 3 What do you guys think of Fundrise as an alternative to REITs?

https://www.fundrise.com/investments
Question Deals
g: 0 Posted By: ctgolfer
Views: 215 Replies: 0 http://1saleaday.com/family/
Bedding Deals

1SaleADay Coupons
Home Classics Reversible Down-Alternative Comforter $8-$12 at Kohl's
Added on : Sunday September 01st 2013 04:00:02 PM
g: 0 Posted By: remick
Views: 48 Replies: 0 http://www.kohls.com/product/prd-c15340/home-classics-reversible-down-alternative-comforter.jsp

There should be some codes to use also - look below

http://www.fullofdeals.com/forums/hot-deals/984944/?start=3440
Bedding Deals

Kohl's Coupons
g: 0 Posted By: lovelybones
Views: 39 Replies: 0 Linky

100% Polyster
100-percent new polyester material filled
100-percent microfiber embossed covering
Hypo-allergenic
Very soft easy care



Bedding Deals

Amazon Coupons
g: 1 Posted By: archena
Views: 480 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

THE YOGA MINIBOOK SERIES BALANCE SET: The Yoga Minibook for Stress Relief and The Yoga Minibook for Energy and Strength [Kindle Edition] was $4.99

Elaine Gavalas (Author)

http://www.amazon.com/dp/B00EBUWJAO

Publication Date: August 3, 2013

Publisher: Simply Centered Publishing

No Reviews

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Exercise & Fitness > Yoga

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > Holistic

THE YOGA MINIBOOK SERIES BALANCE SET features books three and four in the popular Yoga Minibook Series: The Yoga Minibook for Stress Relief and The Yoga Minibook for Energy and Strength.
THE YOGA MINIBOOK FOR STRESS RELIEF
Third in the Yoga Minibook Series, THE YOGA MINIBOOK FOR STRESS RELIEF provides yoga exercises and practices to relieve tension and restore balance that stress so often disrupts.
The new, expanded edition of THE YOGA MINIBOOK FOR STRESS RELIEF contains exclusive bonus extras including Elaine's Yoga for Stress Relief Articles.
With chapters on restorative yoga, yoga movement meditation, and yoga for emotional wellness, readers can create 10-minute, anxiety-busting routines tailored to their needs.
Step-by-step illustrated instructions guide you through calming yoga breathing, exercises, meditations, mantras, aromatherapy, and self-massage techniques specifically selected to:
*Combat anxiety, depression and stress related illness
*Relieve tension and renew your body, mind and spirit
*Provide rest, relaxation and tranquil sleep
*Soothe muscles and lower blood pressure
*Improve your flexibility and cardiovascular fitness
THE YOGA MINIBOOK FOR ENERGY AND STRENGTH

Fourth in the Yoga Minibook Series, THE YOGA MINIBOOK FOR ENERGY AND STRENGTH provides yoga exercises and practices to promote lean strength and high energy, two of today's most desired fitness goals.
The new, expanded edition of THE YOGA MINIBOOK FOR ENERGY AND STRENGTH contains exclusive bonus extras including Elaine's Yoga for Energy and Strength Articles.
With chapters on yoga for your body type, yoga for strength, yoga for energy, chakra yoga, and yoga to relieve fatigue, readers can create routines tailored to their needs.
Illustrated instructions guide you through yoga breathing, exercises, meditations, mantras, aromatherapy, and self-massage techniques specifically selected to:
* Customize your yoga practice to your particular body type
* Improve strength and functional fitness with strength-training yoga and weights
* Fight chronic fatigue, fibromyalgia and other degenerative syndromes with restorative yoga and chair yoga
* Tune up your energy centers with Chakra Yoga

ELAINE GAVALAS is an acclaimed author, natural health expert and co-founder of SimplyCentered.com. She's been featured on the TODAY Show, Martha Stewart Living Today, PBS, CNN and numerous radio programs, podcasts, videos, magazines and newspapers worldwide. Elaine's an exercise physiologist, nutritionist, yoga therapist, weight management specialist and healthy recipe developer. She received her Master's degree and Certification from Columbia University, New York.

Elaine is the author of numerous articles and books, including Yogi in the Kitchen, The Yoga Minibook for Weight Loss, The Yoga Minibook for Longevity, The Yoga Minibook for Energy and Strength, The Yoga Minibook for Stress Relief, and Secrets of Fat-Free Greek Cooking.

About the Author:
Elaine currently serves as health and publishing principal for SimplyCentered.com, a natural alternatives web platform. A highly sought after consultant and speaker, Elaine gives yoga, healthy diet, cooking, and weight management lecture events and demonstrations for media, corporations, universities, and hospitals.
Books & Magazines Deals
*** DEAD*** FREE Kindle Book - The Gluten Free Low Carber was $9.99
Added on : Monday August 26th 2013 04:00:08 AM
g: 2 Posted By: archena
Views: 640 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

The Gluten Free Low Carber [Kindle Edition] was $9.99

Mellissa Sevigny (Author)

http://www.amazon.com/dp/B00AGJXO8U

Publication Date: November 30, 2012

42 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Special Diet > Diabetic & Sugar-Free

#2 in Kindle Store > Kindle eBooks > Nonfiction

A decadent, yet healthy, selection of over 65 crave-worthy low carb recipes - each one more delicious than the last! Pancakes, crackers, pizza, lasagna, eggplant parmesan, fried fish, cakes, pies, ice cream and so much more! You won't believe that you can eat these delicious foods, all while dropping weight faster than you ever thought possible!

Excerpt from the Forward:

"The recipes in this book, were created to combat negative emotions about restricted eating by providing healthy, low carb alternatives to the foods you might be missing. These delicious recipes celebrate the low carb, gluten free way of eating by marrying the delicious foods you CAN have (mmmm....bacon!), with creative substitutes for the carbohydrate and/or gluten-laden foods you used to eat (pizza, crackers, pancakes, cookies, pie, etc).

By indulging in these alternatives, you can reduce the emotional trauma of a restricted food plan and stay focused on reaching your goals long term. So get out there and make cakes, crackers, pizza and crispy breaded fried thingies all while losing weight and feeling amazing! And who knows, when
your friends and family see what you're eating, maybe they'll be the ones who are jealous at dinner time - and they'll be inspired to join you in embracing a low carb (and/or gluten free) lifestyle.

It is my sincere hope that these recipes help keep you on whatever path you are taking to better health, weight loss and feeling great about yourself!

Warm regards,

Mellissa Sevigny
I Breathe...I'm Hungry!
Books & Magazines Deals
FREE Kindle Book - THE YOGA MINIBOOK SERIES BALANCE SET was $4.99
Added on : Sunday August 25th 2013 08:00:08 PM
g: 0 Posted By: archena
Views: 98 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

THE YOGA MINIBOOK SERIES BALANCE SET: The Yoga Minibook for Stress Relief and The Yoga Minibook for Energy and Strength [Kindle Edition] was $4.99

Elaine Gavalas (Author)

http://www.amazon.com/dp/B00EBUWJAO

Publication Date: August 3, 2013

Publisher: Simply Centered Publishing

No Reviews

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Exercise & Fitness > Yoga

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > Holistic

THE YOGA MINIBOOK SERIES BALANCE SET features books three and four in the popular Yoga Minibook Series: The Yoga Minibook for Stress Relief and The Yoga Minibook for Energy and Strength.
THE YOGA MINIBOOK FOR STRESS RELIEF
Third in the Yoga Minibook Series, THE YOGA MINIBOOK FOR STRESS RELIEF provides yoga exercises and practices to relieve tension and restore balance that stress so often disrupts.
The new, expanded edition of THE YOGA MINIBOOK FOR STRESS RELIEF contains exclusive bonus extras including Elaine's Yoga for Stress Relief Articles.
With chapters on restorative yoga, yoga movement meditation, and yoga for emotional wellness, readers can create 10-minute, anxiety-busting routines tailored to their needs.
Step-by-step illustrated instructions guide you through calming yoga breathing, exercises, meditations, mantras, aromatherapy, and self-massage techniques specifically selected to:
*Combat anxiety, depression and stress related illness
*Relieve tension and renew your body, mind and spirit
*Provide rest, relaxation and tranquil sleep
*Soothe muscles and lower blood pressure
*Improve your flexibility and cardiovascular fitness
THE YOGA MINIBOOK FOR ENERGY AND STRENGTH

Fourth in the Yoga Minibook Series, THE YOGA MINIBOOK FOR ENERGY AND STRENGTH provides yoga exercises and practices to promote lean strength and high energy, two of today's most desired fitness goals.
The new, expanded edition of THE YOGA MINIBOOK FOR ENERGY AND STRENGTH contains exclusive bonus extras including Elaine's Yoga for Energy and Strength Articles.
With chapters on yoga for your body type, yoga for strength, yoga for energy, chakra yoga, and yoga to relieve fatigue, readers can create routines tailored to their needs.
Illustrated instructions guide you through yoga breathing, exercises, meditations, mantras, aromatherapy, and self-massage techniques specifically selected to:
* Customize your yoga practice to your particular body type
* Improve strength and functional fitness with strength-training yoga and weights
* Fight chronic fatigue, fibromyalgia and other degenerative syndromes with restorative yoga and chair yoga
* Tune up your energy centers with Chakra Yoga

ELAINE GAVALAS is an acclaimed author, natural health expert and co-founder of SimplyCentered.com. She's been featured on the TODAY Show, Martha Stewart Living Today, PBS, CNN and numerous radio programs, podcasts, videos, magazines and newspapers worldwide. Elaine's an exercise physiologist, nutritionist, yoga therapist, weight management specialist and healthy recipe developer. She received her Master's degree and Certification from Columbia University, New York.

Elaine is the author of numerous articles and books, including Yogi in the Kitchen, The Yoga Minibook for Weight Loss, The Yoga Minibook for Longevity, The Yoga Minibook for Energy and Strength, The Yoga Minibook for Stress Relief, and Secrets of Fat-Free Greek Cooking.

About the Author:
Elaine currently serves as health and publishing principal for SimplyCentered.com, a natural alternatives web platform. A highly sought after consultant and speaker, Elaine gives yoga, healthy diet, cooking, and weight management lecture events and demonstrations for media, corporations, universities, and hospitals.
Books & Magazines Deals
FREE Kindle Book - The Gluten Free Low Carber was $9.99
Added on : Sunday August 25th 2013 08:00:07 PM
g: 1 Posted By: archena
Views: 164 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

The Gluten Free Low Carber [Kindle Edition] was $9.99

Mellissa Sevigny (Author)

http://www.amazon.com/dp/B00AGJXO8U

Publication Date: November 30, 2012

42 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Special Diet > Diabetic & Sugar-Free

#2 in Kindle Store > Kindle eBooks > Nonfiction

A decadent, yet healthy, selection of over 65 crave-worthy low carb recipes - each one more delicious than the last! Pancakes, crackers, pizza, lasagna, eggplant parmesan, fried fish, cakes, pies, ice cream and so much more! You won't believe that you can eat these delicious foods, all while dropping weight faster than you ever thought possible!

Excerpt from the Forward:

"The recipes in this book, were created to combat negative emotions about restricted eating by providing healthy, low carb alternatives to the foods you might be missing. These delicious recipes celebrate the low carb, gluten free way of eating by marrying the delicious foods you CAN have (mmmm....bacon!), with creative substitutes for the carbohydrate and/or gluten-laden foods you used to eat (pizza, crackers, pancakes, cookies, pie, etc).

By indulging in these alternatives, you can reduce the emotional trauma of a restricted food plan and stay focused on reaching your goals long term. So get out there and make cakes, crackers, pizza and crispy breaded fried thingies all while losing weight and feeling amazing! And who knows, when
your friends and family see what you're eating, maybe they'll be the ones who are jealous at dinner time - and they'll be inspired to join you in embracing a low carb (and/or gluten free) lifestyle.

It is my sincere hope that these recipes help keep you on whatever path you are taking to better health, weight loss and feeling great about yourself!

Warm regards,

Mellissa Sevigny
I Breathe...I'm Hungry!
Books & Magazines Deals
New Arrivals: Versace - Black and Gold »Signature Icon» Loafer
Added on : Friday August 23rd 2013 09:00:05 AM
A smart pair of loafers is a must-have in a year-round wardrobe. Encapsulating a sense of chic with an effortless appeal these loafers will get you through a busy day and are a lovely alternative to high heels. Made in Italy.
OFFER OVER Free Sample of Command Poster Strips 1st 10,000 - FB
Added on : Thursday August 22nd 2013 07:00:11 AM
g: 0 Posted By: remick
Views: 254 Replies: 1 https://www.facebook.com/CommandBrand?sk=app_342185669244906

Command Poster Strips make decorating quick and easy. They're perfect for hanging schedules, posters, calendars and pictures without frames, or as an alternative to double-sided tape. They hold strongly to wood, tile, metal and painted surfaces, yet remove cleanly - leaving behind no holes, marks, sticky residue or stains. Damage-Free Hanging Holds strongly and removes cleanly Easy to apply and remove Works on a variety of surfaces
Free Samples Deals
Free Sample of Command Poster Strips 1st 10,000 - FB
Added on : Thursday August 22nd 2013 06:00:16 AM
g: 0 Posted By: remick
Views: 133 Replies: 1 https://www.facebook.com/CommandBrand?sk=app_342185669244906

Command Poster Strips make decorating quick and easy. They're perfect for hanging schedules, posters, calendars and pictures without frames, or as an alternative to double-sided tape. They hold strongly to wood, tile, metal and painted surfaces, yet remove cleanly - leaving behind no holes, marks, sticky residue or stains. Damage-Free Hanging Holds strongly and removes cleanly Easy to apply and remove Works on a variety of surfaces
Free Samples Deals
Idle in Office for most of the time
Added on : Tuesday August 20th 2013 10:00:06 AM
g: 0 Posted By: shalein
Views: 142 Replies: 7 My emplyer is flexible and gives me 3 days a week Work From home option.
I am in IT and with ton of experience (15 years)..I can finish any assigned tasks by working 10-20% of my working hrs.
The problem is 80% of the time I am idle and not finiding any alternatives to properly invest time.

As the company is in limbo status , asking for additional tasks gives the impression that I don't have plenty on my plate.
Any suggestions to use the idle time..will be greatly appreciated.

Tried reading about other certifications / courses but not motivated enough as the salarie are pretty stagnant on each of them compared to what I am making now.


Personal Finance Deals
Should I cancel my wife's LTC insurance?
Added on : Monday August 19th 2013 06:00:08 PM
g: 0 Posted By: balor124
Views: 168 Replies: 2 My wife's employer provides some amount of long term care insurance for free through Unum ($2k/mo). When she joined they offered us additional coverage and we selected the maximum coverage ($6k/mo w/inflation, home care I think). The plan is portable and if we wanted it we had to do it when she joined. Rates can change but for her group as a whole. The additional coverage is $70/mo, fixed I think, but I don't know what the base coverage would be if she left the company and we had to pay out of pocket. We opted-in at the time since there was a small window to decide but are re-considering now whether to keep it. Once we leave we cannot get it back. What do you all think - should we keep it? She's 33yo and has a clean but not spotless health record. The alternative would be to wait 10-15 years and look at repurchasing again if reforms require it.
Personal Finance Deals
Suggestions: Cheap Travel From San Diego To Phoenix Return
Added on : Sunday August 18th 2013 03:00:08 PM
g: 0 Posted By: gooddealie
Views: 69 Replies: 0 A co-worker is getting married in Phoenix next weekend. I'm attending the wedding and plan to stay from Friday to Sunday, and already have a room booked (comped). I had intended to try the good old Priceline Name Your Own Price for the airline ticket, which is why I waited this long to purchase it, but I'm getting cold feet about going that route. The reasons I am hesitating are:1) The "maximum of one" stop-over can turn a 1.5 hour flight into a 6+ hour adventure, with that stop-over being essentially in the opposite direction. I'm only going for 3 days and the possibility of spending both Friday and Sunday essentially traveling all day negates the benefit of the low cost.2) There are a lot of flights, but I think there might be a pretty good chance of the departure times being really inconvenient (like 6am or 10pm). With my luck, I'd get a 10pm depature time on the way there and 6am on the way back. Again, pretty much wasting 2 of the 3 days by spending the majority traveling, and not enjoying the destination.US Airways and Southwest both offer several non-stop flights each day. The cost for both airlines is about $350 right now, which is really pricey for a flight to/from Phoenix in the dead of summer, which is not exactly high season. If I'm willing to add a stop in each direction, I can probably get the price down to $242. However, adding the stop brings the travel time from 1.5 hours in each direction to anywhere between 3 to 6.5 hours. 3 hours I could probably handle, but I'd be running between connections. 6.5 hours would result in too much of the day dedicated to traveling.Hotwire and Priceline are offering the same deals as Expedia/Travelocity/Orbitz/Priceline right now - no savings. Southwest air is about the same cost as the others. CheapAir/Cheap-o Air, FareCompare, and other similar sites offer no particular bargains either.Looking for suggestions on what others feel the best option would be (and if anyone has any ideas for where I might find a better option). And yes if I had a time machine I would buy the ticket earlier, but alas the time machine is out of order at the moment.Final alternative would be to drive. That would take about 5.5 hours and the cost would be (2 tanks of gas each way plus a crappy burger break) about $200. Plus the wear and tear on the car. As of today I am at 5 days before departure.
Air Travel Deals
g: 0 Posted By: joe606
Views: 227 Replies: 0 A flash deal at 1SaleADay.comhttp://1saleaday.com/flash/tf300t-b1-bl-bundle/Condition: Manufacturer Refurbished
Packaging: Brown Box
Warranty: 90 Day
Manufacturer ASUS
Model: TF300T-B1-BL/TF300-Dock
ASUS Transformer Pad 10.1" Tablet w/ Keyboard Converter Dock, Android 4.0 OS, 32GB Storage, & 8MP Camera! ASUS Transformer Pad Tablet Features Include: Download your favorite apps, communicate with friends, browse the web, and get all your work done on this high-speed HD tablet
10.1" WSVGA (1280x800) Super IPS+ capacitive multi-touch LED touchscreen
178 viewing angle
Android 4.0 Ice Cream Sandwich Operating System
1.2GHz NVIDIA Tegra 3 Quad-Core Mobile Processor (CPU)
1GB of DDR2 SDRAM
32GB internal flash memory (upgradeable via microSD card slot with support for up to 32GB)
Bluetooth 3.0
Sensor: GPS, gravity sensor, e-compass, light sensor, gyroscope
Webcam: 1.2MP (front) and 8.0MP (rear)
22Wh lithium polymer battery (up to 10 hours battery life)
Wireless: 802.11b/g/n @ 2.4GHz
Bluetooth v3.0+ EDR
Storage: 32GB eMMC flash
Card reader: microSD card reader
Connectivity: mini HDMI, headphone/mic jack, 40-pin docking port for optional keyboard (keyboard not included)/docking station
Dimensions (Width x Height x Depth): 10.4 x 7.1 x 0.4
Weight: 1.4 lbs.ASUS Transformer Pad Mobile Dock Features Include: Compatible with Asus TF300T
Charges your tablet and props it up, allowing for ease of use
Keyboard offers an alternative to touch-screen typing, allowing fast and easy usage
Makes it easy to work, watch movies, and browse on your tablet
Increases battery life by up to 15 hoursPackage Includes:
ASUS Transformer Pad 10.1 Display Tablet with Keyboard, Cables, and Users Manual.
Android Tablets Deals

1SaleADay Coupons
Intova Sport HD POV waterproof video camera $100 refurb from mfgr
Added on : Wednesday August 14th 2013 06:00:04 PM
g: 0 Posted By: jlake
Views: 265 Replies: 0 Intova has their refurbished waterproof HD video camera available direct from their website for $100. This is great alternative to the more expensive GoPro cameras everyone at the beach seems to have, and the quality and features are better.link
Camcorders Deals
g: 8 Posted By: archena
Views: 4330 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.THE MIRACULOUS RESULTS OF EXTREMELY HIGH DOSES OF THE SUNSHINE HORMONE VITAMIN D3 MY EXPERIMENT WITH HUGE DOSES OF D3 FROM 25,000 to 50,000 to 100,000 IU A Day OVER A 1 YEAR PERIOD [Kindle Edition] - $3.99Jeff T Bowles (Author) http://www.amazon.com/dp/B005FCKN2SPublication Date: July 22, 2013196 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Physician & Patient > Healing#4 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic THIS IS THE LAST TIME THIS BOOK WILL EVER BE GIVEN AWAY FREE!PLEASE TELL ALL YOUR FRIENDS AND EMAIL CONTACTEES TO NOT MISS THIS OPPORTUNITY-THEY WILL THANK YOU FOR IT.Book description:
144+ Pages of Fact-Packed Science Based Information-But FUN to read-
Upon realizing that taking 4,000 IU of Vitamin D3 a day was not enough for me, I decided to embark on a "dangerous" experiment that directly contradicted everything MD's had told me for years: DON'T TAKE TOO MUCH VITAMIN D IT IS DANGEROUS!I started taking 20,000 IU a day-50X times the recommended dose of 400 IU a day.
After about 4 months upped the dose to 50,000 IU a day or 150X the old recommended safe dose I then boosted it to 100,000 IU a day or 300 x TIMES the old maximum safe dose!What happened over these last 10 months? Did I die? get sick? No! Just the opposite!!High dose Vitamin D3 therapy over the last year-CURED ALL MY CHRONIC CONDITIONS-SOME THAT I'D HAD FOR 20+ YEARS!1. A painful snapping hip syndrome which I had been suffering from for 23 years and no Dr could help me-It is now 100% gone. No pain and NO SNAPPING!!
2. Yellow fungus infected toenails (under the nail)- I tried everything over 20 years and nothing worked-10 months of high dose Vitamin D3 and they are clear as a bell! 100% cured.
3. A knobby bone spur on my elbow that made me look like Popeye the sailor man-It has now 100% dissolved and my elbow is back to the way it used to be 20 years ago.
4. Painful , clicking, popping, stiff Arthritic shoulders that prevented me from even throwing a ball from home plate past the infield. A condition Ive had for 15 years. Gone. No more popping snapping or clicking and I can throw the ball twice as far .
5. A ganglion cyst that persisted on my wrist for over 5 years has shrunk from the size of half a golf ball to the size of a pea and now it is rock hard ,painless, and shrinking.
6. A small subcutaneous cyst on my face that had not gone away for 20 years now gone!
7. AND-Without even trying my weight has dropped by 25 pounds from 204 to 179.
This book tells you detailed results of my experiment, dangers to avoid, and also discusses a simple and elegant new theory that suggests how High Dose Vitamin D3 therapy Should help PREVENT OR CURE all the epidemics of disease and health issues that have been plaguing us since the 1980s when Doctors started warning us to stay out of the sun and always use sunscreen. This has created the huge epidemics we see today of Obesity, Autism, Asthma, and many others!The theory is simple-Vitamin D3 is a hormone that your skin makes when you sit in the sun, it is not a vitamin it was just mislabeled when it was discovered. When your Vitamin D3 levels are low, your body gets you to prepare for winter by overeating, slowing you down to conserve energy, and even making you depressed to keep you housebound. Interestingly it is this same drop in Vitamin D3 levels that signals a bear to start hibernating!If your body expects famine-like conditions caused by winter to be likely- it will conserve your critical resources for the future. This leads to what I call the Incomplete Repair Syndrome which in turn causes most of the diseases humans face other than spontaneous gene mutations that cause syndromes and diseases caused exclusively by aging. High D3 can be used to prevent or treat a huge number of diseases MS, asthma, 17 kinds of cancer, lupus, arthritis, heart disease, obesity, depression, Parkinsons+many more...This IS the better mousetrap! Most MD's get just a basic 4 years in Med School, then work to earn not learn. I've researched diseases and aging for 20+ years, with a 10 year stint where I spent 12 hrs/day everyday in the Northwestern Med School's library just reviewing clinical and scientific studies! .I've had 3 major papers published; the publishing journal has 5 Nobel Prizes between the editors. And described my papers as extremely exciting and of major importance
Totally Free Deals
g: 0 Posted By: OkieDokiePoke
Views: 216 Replies: 1 Dysfunctional Auto-Pay and Fraudulent NSF Fees
My rent has been paid, without issue, using auto-pay from checking. Recently, I renewed the lease. Termination month's rate would be pro-rated new/old rate. When the new lease was signed, agent assured me auto-pay would handle pro-rate and charge accordingly. Month in question, I confirm debit to my checking, but amount is 'too small' only represents first 2/3 of month (old rate). Immediately call agent to check status and am told the account is in good standing with no outstanding balance. I logged into my online account to corroborate and account shows no outstanding bills. Subsequently, next month's rent was paid in full without any issue.However, recently received a notice of overdue balance and more importantly they charged me a NSF fee. The notice stated "ACH returned, plus NSF fee." I asked for transaction ID/s or some 'proof' that they actually attempted, but were declined payment. I checked with my bank and they never attempted to charge my account for the amount in question. How can they charge me a NSF fee? The issue was their system failed to bill me properly. Oddly enough, now that this 'inflated' bill is 'in the system' their auto-pay is going to 'correctly' debit my account for the balance due + NSF fee. I'm obviously contesting this with management, but curious what if any recourse I have otherwise. How I see it there are at least three issues: (1) auto-pay / billing system did not function adequately resulting in non-payment, (2) fraudulent fee charged for NSF when no debit even attempted and (3) auto-pay system subsequently debiting account for disputed, fraudulent fee without my consent.I did convince the young agent to print me off the e-mail chain from the accountant telling local management to "please NSF before month-end."Credit Card Surcharges / Convenience FeesAlso, I have a question about convenience fees. I live in Oklahoma where there's legislation against CC surcharges. Apartment charges a fixed $20 fee for CC and one-time ACH payments (all online), but for recurring ACH (online) no such fee is charged. My understanding of the legislation is that they can tack on a fixed (not variable) charge for all payments made via an alternative gateway. However, seems to me that NOT levying the surcharge for recurring payments would negate their protection. They either need to charge the fee for ALL online payments or NONE of them. Paying in person via check, money order incurs no fees or discounts. I would appreciate any guidance regarding particular statutes and/or regulatory bodies that I should file a complaint with.
Personal Finance Deals
GUNS, Taurus CTG29 9mm Carbine, 11rnd, for $662 @KY Gun Co.
Added on : Wednesday August 07th 2013 05:00:02 PM
g: 2 Posted By: Logan71
Views: 146 Replies: 0 I've not seen this weapon before, but it seems an alternative the CX Storm from Beretta, and AR-series rifles, which shoot a more expensive round (typically). Link
Description: The new CTG29 (9mm) is a new close quarter carbine platform for Taurus, with a blowback-operated system that fires from the closed-bolt position. The CT Carbines upper receiver is constructed of aluminum with an integral full-length Picatinny rail with sights attached. The rear sight is fully adjustable and the square-post front sight has a protective hood. The convertible charging handle can be switched for right- or left-handed shooters. The CT Carbine incorporates a versatile polymer handguard that can accommodate 3 additional Picatinny rails in the 3-6- and 9 Oclock positions for the addition of accessories.
SKU#: TRS-3-90161CTG2
Guns & Ammo Deals
g: 2 Posted By: archena
Views: 191 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.THE MIRACULOUS RESULTS OF EXTREMELY HIGH DOSES OF THE SUNSHINE HORMONE VITAMIN D3 MY EXPERIMENT WITH HUGE DOSES OF D3 FROM 25,000 to 50,000 to 100,000 IU A Day OVER A 1 YEAR PERIOD [Kindle Edition] - $3.99Jeff T Bowles (Author) http://www.amazon.com/dp/B005FCKN2SPublication Date: July 22, 2013196 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Physician & Patient > Healing#4 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic THIS IS THE LAST TIME THIS BOOK WILL EVER BE GIVEN AWAY FREE!PLEASE TELL ALL YOUR FRIENDS AND EMAIL CONTACTEES TO NOT MISS THIS OPPORTUNITY-THEY WILL THANK YOU FOR IT.Book description:
144+ Pages of Fact-Packed Science Based Information-But FUN to read-
Upon realizing that taking 4,000 IU of Vitamin D3 a day was not enough for me, I decided to embark on a "dangerous" experiment that directly contradicted everything MD's had told me for years: DON'T TAKE TOO MUCH VITAMIN D IT IS DANGEROUS!I started taking 20,000 IU a day-50X times the recommended dose of 400 IU a day.
After about 4 months upped the dose to 50,000 IU a day or 150X the old recommended safe dose I then boosted it to 100,000 IU a day or 300 x TIMES the old maximum safe dose!What happened over these last 10 months? Did I die? get sick? No! Just the opposite!!High dose Vitamin D3 therapy over the last year-CURED ALL MY CHRONIC CONDITIONS-SOME THAT I'D HAD FOR 20+ YEARS!1. A painful snapping hip syndrome which I had been suffering from for 23 years and no Dr could help me-It is now 100% gone. No pain and NO SNAPPING!!
2. Yellow fungus infected toenails (under the nail)- I tried everything over 20 years and nothing worked-10 months of high dose Vitamin D3 and they are clear as a bell! 100% cured.
3. A knobby bone spur on my elbow that made me look like Popeye the sailor man-It has now 100% dissolved and my elbow is back to the way it used to be 20 years ago.
4. Painful , clicking, popping, stiff Arthritic shoulders that prevented me from even throwing a ball from home plate past the infield. A condition Ive had for 15 years. Gone. No more popping snapping or clicking and I can throw the ball twice as far .
5. A ganglion cyst that persisted on my wrist for over 5 years has shrunk from the size of half a golf ball to the size of a pea and now it is rock hard ,painless, and shrinking.
6. A small subcutaneous cyst on my face that had not gone away for 20 years now gone!
7. AND-Without even trying my weight has dropped by 25 pounds from 204 to 179.
This book tells you detailed results of my experiment, dangers to avoid, and also discusses a simple and elegant new theory that suggests how High Dose Vitamin D3 therapy Should help PREVENT OR CURE all the epidemics of disease and health issues that have been plaguing us since the 1980s when Doctors started warning us to stay out of the sun and always use sunscreen. This has created the huge epidemics we see today of Obesity, Autism, Asthma, and many others!The theory is simple-Vitamin D3 is a hormone that your skin makes when you sit in the sun, it is not a vitamin it was just mislabeled when it was discovered. When your Vitamin D3 levels are low, your body gets you to prepare for winter by overeating, slowing you down to conserve energy, and even making you depressed to keep you housebound. Interestingly it is this same drop in Vitamin D3 levels that signals a bear to start hibernating!If your body expects famine-like conditions caused by winter to be likely- it will conserve your critical resources for the future. This leads to what I call the Incomplete Repair Syndrome which in turn causes most of the diseases humans face other than spontaneous gene mutations that cause syndromes and diseases caused exclusively by aging. High D3 can be used to prevent or treat a huge number of diseases MS, asthma, 17 kinds of cancer, lupus, arthritis, heart disease, obesity, depression, Parkinsons+many more...This IS the better mousetrap! Most MD's get just a basic 4 years in Med School, then work to earn not learn. I've researched diseases and aging for 20+ years, with a 10 year stint where I spent 12 hrs/day everyday in the Northwestern Med School's library just reviewing clinical and scientific studies! .I've had 3 major papers published; the publishing journal has 5 Nobel Prizes between the editors. And described my papers as extremely exciting and of major importance
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 59 Replies: 0 Greenworks 24102A 40V Cordless Lithium-Ion Two Speed Handheld Blower $137.98 + Free shippinghttp://www.rakuten.com/prod/greenworks-24102a-40v-cordless-lithi...$20 off $100 on Tools from CPO Outlets. Use promo code 20TOOLS at checkout. Ends 8/30/2013.The all electric operation of the Greenworks' line of tools provides not only reliable performance and dependability, but also offer a clean running alternative to gas powered tools as well. Each Greenworks' tool comes with a variety of performance and safety features that not only help you get the job done right, they also promise carbon emission free operation for a cleaner environment. Freedom from cords and gas combined with reliable performance help make the Greenworks' 24102A 40V Cordless Lithium-Ion Two Speed Handheld Blower an excellent choice for homeowners. Powered by advanced Lithium-Ion battery technology (Sold Separately), the 24102A's selectable Low and High speed settings deliver air speeds up to 150 MPH with its durable two speed electric motor. Its lightweight body increases unit control for precise clean up, and also helps reduce fatigue during extended periods of operation. The 24102A features an attachable extension tube to increase reach and cleaning capabilities, and as with all tools in the Greenwork's family, is 100% emission free for a clean and better environment. Long running 40V two speed motor provides reliable cleaning capacity. Two selectable speeds provide up to 150 MPH for increased clean up efficiency. Extension tube helps increase reach and blower efficiency. Lightweight design provides easier control over the unit. Cushioned over-mold grip increases operator comfort. Compatible with Greenworks standard and high capacity Lithium-Ion batteries. Ideal for light to medium duty clean up tasks. Note: 40V G-MAX and 40V Li-Ion Batteries are not cross compatible. Includes: 40V Cordless Lithium-Ion Two Speed Handheld Blower (Tool Only) - 24102A, 40V 4 Ah Li-Ion Battery, Charger, Blower Nozzle Attachment, Owner's Manual.
Features
Video FeaturesExtension tube helps increase reach and blower efficiency
Video FeaturesLong running 40V two speed motor provides reliable cleaning capacity
Video FeaturesTwo selectable speeds provide up to 150 MPH for increased clean up efficiency
g: 13 Posted By: archena
Views: 1518 Replies: 1 Please note only guaranteed to be
FREE at time of posting. Please verify before you click and purchase.The Aromatherapy & Essential Oils Handbook [Kindle Edition] was $5.97Rashelle Johnson (Author)http://www.amazon.com/dp/B00BECCJXYPublication Date: February 10, 201324 Reviews ★★★★#2 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > AromatherapyIf you want to learn about essential oils and aromatherapy, then this is the book you've been looking for.This book discusses essential oils and their practical applications in terms that are easy to understand. Buy this book and learn how to unlock the healing powers of essential oils today.The topics covered in this book include:
An introduction to essential oils and their safety.A discussion of what aromatherapy is and how it can help you.10 helpful tips for newcomers to the world of aromatherapy. These tips are good reminders for seasoned vets as well.What you need to know about the various grades of essential oil and why there's only one grade you should buy.The chemistry of essential oils. What essential oils are made of and why they're so good for you.The various ways essential oils are used (includes topical application, consumption and a number of forms of diffusion).Carrier oils and why you should be using them for topical application.An in-depth list that reveals the therapeutic qualities and uses for more than 100 different essential oils.A list of essential oils that are potentially dangerous and should be avoided or used under strict supervision.Blending of essential oils.Aromatic blends you can make at home that can be used to address a number of issues.
Totally Free Deals
g: 1 Posted By: archena
Views: 172 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.How to Grow Glorious Wheatgrass at Home Tutorial: With Salty Sea Mineral Eco-Fertilization for Superior Mineral Rich Soil [Kindle Edition] was $7.99Eryn Paige (Author) http://www.amazon.com/dp/B00A6VTN9WPublication Date: November 12, 20126 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > Healing#2 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > NutritionLearn how to grow thriving wheatgrass with over 200 beautiful pictures to guide you in this How to Grow Glorious Wheatgrass at Home Tutorial - With Salty Sea Mineral Eco-Fertilization for Superior Mineral Rich Soil. You will learn how to effectively grow this unsurpassed green vegetable in an especially nutrient rich way.This tutorial specifically zeros in on how to successfully grow wheatgrass at home. You will learn why good soil selection truly matters, how to exceptionally fertilize your soil in a safe manner, how to foliar feed your wheatgrass, how to select the right seeds, how to properly water, how to overcome challenges with mold, plus so much more. The growing wheatgrass instructions can be used to grow barley grass as well. It also contains research resources on the benefits of wheatgrass.Eryn Paige embraces the nourishment from the ocean to powerfully fertilize the appreciative wheatgrass - a fertilization method which she believes holds tremendous promise for an enhanced tomorrow.Glorious wheatgrass and its remarkable juice awaits you!About the Author
Eryn Paige is the Editor of HealthBanquet.com. Growing nutrient rich wheatgrass embracing the fertilization power of the ocean is one of her passions. She loves sharing about this phenomenal plant that has so much to offer physically and mentally and so many lessons to teach. To learn more you can follow her on Twitter - http://twitter.com/HealthBanquet or visit her website - http://www.HealthBanquet.com/ or find out news at her Facebook page http://www.facebook.com/HealthBanquet
Totally Free Deals
Trouble with HSA Bank
Added on : Thursday August 01st 2013 09:00:11 AM
g: 0 Posted By: yeastbeast
Views: 45 Replies: 0 TL;DR Don't do business with HSA Bank
A few years ago I tried to invest some HSA money through the HSA Bank/TDAmeritrade deal described in numerous FWF threads (see here). Unfortunately, this has not worked out well. Let this serve as a cautionary tale to those who would play this game. I set up a small balance (about $6K) account with HSA Bank, then transferred those funds into a linked TDAmeritrade account. Initially things went well but my investment priorities changed and I decided to put the money in a different, easier to access HSA. This was in part motivated by HSA Bank's high fees ($3 monthly waived for balance of >$3000 plus $2.50 monthly "investment fee."The trouble began with my attempts to transfer money out of HSA Bank. Numerous little steps in the transfer process are designed as obstacles to customers. Here's a brief summary of the runaround. -I first tried to close the account and cash out but learned of a $25 closing fee
-To avoid that fee, I next tried to ACH transfer leaving a tiny balance so account would go negative and auto-close, but learned that outbound ACH transfers are capped at $500 daily.
-Next, tried to roll over into another HSA and was required to fax in a form, but the fax number listed on contact page wasn't right.
-Eventually succeeded in faxing to a live human who processed the transaction but imposed a fee anyway, leaving the account with a lower balance the requested transfer, thus invalidating the transfer request.
-Spoke with another CSR who altered the original transfer to reflect the new balance, but this got "lost" in document processing until the end of the month, whereupon there were more fees levied, once again invalidating the transfer request.
-Spoke with a manager who claimed that the fees would be reversed and the check would be in the mail today. It's unclear whether the account will remain open. Altogether, this whole operation was unsuccessful in earning money (monthly fees ate most of my investment earnings) and just created trouble.Lessons learned: don't do business with HSA Bank, at least not with small balances like this.Does anyone here have a similarly bad experience with HSA Bank or can suggest alternative routes to investing HSA money?
Mediasonic HW150PVR ATSC DVR $37.99 at newegg after code FS
Added on : Thursday August 01st 2013 06:00:02 AM
g: 0 Posted By: skibum43
Views: 30 Replies: 0 Mediasonic HW150PVR ATSC HD converter box with recording, HDMI output $37.99 after code EMCXMXW229
For the cable cutters who get a decent OTA TV signal. This box receives OTA digital TV along with the ability to record to flash or usb hard drive. Has an HDMI output for HD. EPG for TV listings. Great alternative to more expensive DVRs. I have two already and just ordered a third at this price. Firmware update available here.
Electronics Deals

Newegg Coupons
g: 1 Posted By: archena
Views: 139 Replies: 0 Please note only guaranteed to be
FREE at time of posting. Please verify before you click and purchase.The Aromatherapy & Essential Oils Handbook [Kindle Edition] was $5.97Rashelle Johnson (Author)http://www.amazon.com/dp/B00BECCJXYPublication Date: February 10, 201324 Reviews ★★★★#2 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > AromatherapyIf you want to learn about essential oils and aromatherapy, then this is the book you've been looking for.This book discusses essential oils and their practical applications in terms that are easy to understand. Buy this book and learn how to unlock the healing powers of essential oils today.The topics covered in this book include:
An introduction to essential oils and their safety.A discussion of what aromatherapy is and how it can help you.10 helpful tips for newcomers to the world of aromatherapy. These tips are good reminders for seasoned vets as well.What you need to know about the various grades of essential oil and why there's only one grade you should buy.The chemistry of essential oils. What essential oils are made of and why they're so good for you.The various ways essential oils are used (includes topical application, consumption and a number of forms of diffusion).Carrier oils and why you should be using them for topical application.An in-depth list that reveals the therapeutic qualities and uses for more than 100 different essential oils.A list of essential oils that are potentially dangerous and should be avoided or used under strict supervision.Blending of essential oils.Aromatic blends you can make at home that can be used to address a number of issues.
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 244 Replies: 0 2-piece Bamboo Cutting Board Set $16.91 + $5.99 Shipping @ cutleryandmorehttp://www.cutleryandmore.com/cutlery-and-more/bamboo-cutting-bo...

Constructed of durable bamboo; reversible cutting board
Creative design with natural-colored bamboo end caps
Knife friendly, will not dull knife blades
Bamboo is 16% harder than Maple Wood
Wash with warm water and mild soap
Season bamboo board when dry or as needed with a food grade mineral oil (sold separately- Bayes Mineral Oil)Bamboo is actually a grass that grows to a harvest height between 3-5 years. Some species grow up to 2 feet per day. After harvesting, bamboo does not require replanting. Bamboo has an extensive root system that continually sends up new shoots, naturally replenishing itself, making it one of the most renewable resources known. Bamboo is 16% harder than Maple Wood, 1/3 lighter in weight than oak, yet in some instances as strong as steel. Bamboo holds the promise of a sustainable, cost effective, and ecologically responsible alternative to the widespread clear cutting of our old growth forests.
Home & Garden Deals
g: 3 Posted By: archena
Views: 1774 Replies: 1 Ready, Set, Baby! The Watch and Learn Guide to Your Babys First Year | $9.99 → FREEProbably only for parents of newborns.https://itunes.apple.com/US/app/id606587469?mt=8
►►► FREE TODAY! (for the first time ever Normally $9.99) in celebration of the Royal Baby ◄◄◄ Congrats, you're having a baby! Now what? Ready, Set, Baby! is the definitive and essential guide to becoming an informed, empowered, and confident new parent. Featuring an all-star cast of five leading childcare experts and an award-winning author, this digital-first resource includes 80 how-to videos, photo slideshows, and interactive guided toursits truly the modern alternative to your parents paperback. The keys to raising a happy, healthy baby are right at your fingertips.What's new► Watch the preview video and learn more at READYSETBABY.COM ► BABYCENTER A bargain for the wealth of knowledge that will be at your finger tips. ► DAILYCANDY Ready, Set, Baby is a must-have for new moms and dads. ► FITPREGNANCY Ready, Set, Baby! nails the truth about breastfeeding for many women.
Computers & Software Deals
FREE Kindle Book - The Homemade Medicine Book was $16.97
Added on : Sunday July 28th 2013 04:00:02 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.The Homemade Medicine Book [Kindle Edition] was $16.97Charles Silverman (Author)http://www.amazon.com/dp/B00DMITAR6Publication Date: June 24, 20131 Review ★★★★★#7 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative MedicineFor the first time a Naturopathic Doctor opens his vault to unveil the complete list of home remedies used by professionals Holistic Practitioners... All Natural Cures and Home Remedies That Will Give You RELIEF From Your Symptoms NOW Proven In Clinical Trials! "Don't go anywhere, because this could be the most important information about your health you'll ever read!" After researching 1,000's of natural cures and home remedies, spending months sifting through hundreds of reports and studies, and putting my findings to the test on real people in my natural healing clinic... I can say that the majority of natural "cures" are completely bogus. But the ones that are effective seem to work like magic! And many of them can give you almost instant relief from your symptoms. Now, you can get access to my vault of natural cures and home remedies that you can find in your own kitchen cupboard - backed by thousands of hours of scientific research... Example 1: Did you know that if every woman in the United States would get just one nutrient every day breast cancer rates would drop 50 Percent? Example 2: Did you know that you can make a natural laxative that works many times better for constipation than any over the counter laxatives? Just eat four prunes twice a day and you will have the most effective and gentlest home remedy for constipation. Example 3: Did you know that 6 cherries have the same effect as 1 aspirin? Plus cherries are filled with antioxidants! From: Charles Silverman N.D.
Certified Naturopathic and Home Remedies Expert Dear Friend, We live in the internet age, where it's easy for just about anyone to give you their two cents on how to live a healthier life. I've seen the power of all natural home remedies and treatments at work for the past 18 years in my own natural healing clinic. I believe everyone deserves the ability to heal themselves in a safe, cost efficient way - something that is becoming increasingly hard to do with modern medicine's drug saturated philosophy. I put together this site so you can make informed decisions on the best way to treat your illness using safe and effective natural home remedies. Why trust me? Not only are all my remedies guaranteed, but I've got experience and training you can feel confident in... Keeping You On The Cutting Edge Of Natural Medicine home remedies I keep you on the cutting edge of natural medicine by attending international conventions and training events. home remedies Only share proven home remedies by constantly researching the latest medical breakthroughs and discoveries of new natural cures and putting them to real life practice in my clinic. home remedies Graduated from The International Center for Professional and Technical Studies in Israel with a degree in holistic medicine. home remedies Served on First South American congress of holistic medicine and alternative therapies for low income people. Hosted by Saint Johns Catholic Church.Listen... Picture the next time you come down with diarrhea, the flu, a migraine headache, or one of dozens of other aches and discomforts we face on a regular basis as human beings... ...but instead of "toughing it out" or reluctantly going to your local doctor so he can take a quick glance at you and hand you an expensive prescription, you've got a much easier, much more effective, much safer solution right in your own kitchen cupboard! You simply grab a few common ingredients, mix them together, and voila! Not only do you have a safe and effective home remedy for your illness or problem, you just saved yourself from hours of frustration sitting in a doctors office and potentially $100's of dollars. Beat Diabetes... Drop High Blood Pressure... Prevent Cancer... And Soothe Aching Joints Without Expensive And Dangerous Drugs using one of the home remedies here.
Doctor Who TARDIS Mini Fridge for $59.99 [thinkgeek.com]
Added on : Thursday July 25th 2013 01:00:14 PM
g: 0 Posted By: Deals4mykids
Views: 277 Replies: 1 Doctor Who TARDIS Mini Fridge for $59.99 [ThinkGeek.com]Price: $79.99Save $20.00 with Coupon Code: TWISTYCONE = $59.99
Shipping: $10.44Holds a six-pack of 12-ounce cans, so you'll always have a cold drink close at hand. Alternatively, you can reverse the polarity of the wibbly-wobbly bit, and heat the interior to make your fish fingers nice and steaming hot! It features a flashing light and TARDIS sound effects when you open and close the door.http://www.thinkgeek.com/product/f0f4/
Appliance Deals

ThinkGeek Coupons
Ways to reduce cell phone costs?
Added on : Wednesday July 24th 2013 03:00:10 AM
g: 0 Posted By: misterspaghetti
Views: 7 Replies: 0 Currently paying $130/mo for an AT&T family plan (DW and myself) that includes 2 iphones, essentially unlimited talk, 2 data plans (one grandfathered unlimited), and 200 text messages.The cost isn't killing me, but I do think there's got to be a cheaper alternative out there.Are there other comparable plans that you've found for cheaper? I would need to keep essentially the same plan (iphones, data plans, some texts, and a reasonable number of anytime minutes). I would also prefer to keep my eligibility for a discounted phone upgrade every 18 months or so.Thoughts, ideas, and criticisms welcome!
g: 0 Posted By: archena
Views: 155 Replies: 0 Ready, Set, Baby! The Watch and Learn Guide to Your Babys First Year | $9.99 → FREEProbably only for parents of newborns.https://itunes.apple.com/US/app/id606587469?mt=8
►►► FREE TODAY! (for the first time ever Normally $9.99) in celebration of the Royal Baby ◄◄◄ Congrats, you're having a baby! Now what? Ready, Set, Baby! is the definitive and essential guide to becoming an informed, empowered, and confident new parent. Featuring an all-star cast of five leading childcare experts and an award-winning author, this digital-first resource includes 80 how-to videos, photo slideshows, and interactive guided toursits truly the modern alternative to your parents paperback. The keys to raising a happy, healthy baby are right at your fingertips.What's new► Watch the preview video and learn more at READYSETBABY.COM ► BABYCENTER A bargain for the wealth of knowledge that will be at your finger tips. ► DAILYCANDY Ready, Set, Baby is a must-have for new moms and dads. ► FITPREGNANCY Ready, Set, Baby! nails the truth about breastfeeding for many women.
Computers & Software Deals
Samsung Un46F6300 46" Class 6300 LED 1080P 120Hz HDTV 585$
Added on : Monday July 22nd 2013 05:00:07 AM
g: 0 Posted By: minime
Views: 33 Replies: 0 Samsung Un46F6300 46" Class 6300 Led 1080P 120Hz Hdtv With Built-In Wi-Fi And Full Web Browser Smart TV for 585$You can buy it directly on Ibexica.com at URL at ibexica
Alternatively, you can buy it at Amazon for 750$ and pricematch it with Ibexica. Amazon honors competitor price on TV's for 14 days. I have bought it a week ago and have been watching this TV for over a month and price stayed constant and was the cheapest price anywhere. Finally, saw the ibexica price this morning and price matched it for a difference of 165.50$ This is a 2013 model and the best one out there in this size for that price range.
Advice regarding accounting fees
Added on : Sunday July 21st 2013 09:00:11 AM
g: 0 Posted By: love2work
Views: 50 Replies: 0 Hi,I am looking for advice to minimize accounting expense in my medical practice. We are a group of 6 physicians and pay our CPA up to $110,000/year to do accounting. This includes bill pay, correspondence, deposit posting, general ledger maintenance, cash tracking, bank reconciliations, etc. Time spent on answering questions, business K1 taxes are not included and charged extra at $200/hr. We also own a surgical center for which we pay $30,000 per year in accounting costs. I feel we are grossly overpaying for this type of service. One solution I had in mind is to hire a bookkeeper at $20-25/hr to handle all accounting and use CPA to prepare K1 for both businesses. Am I being correct in assuming that we pay too much in accounting fees and is my solution correct? Are there any other alternatives? Can other physicians in group practices share how much they pay for the accounting?Thank you very much!
Personal Finance Deals
Pay down debt or invest?
Added on : Saturday July 20th 2013 07:00:08 AM
g: 0 Posted By: kzhswx11
Views: 0 Replies: 0 Need some help making a major financial decision. We have the saving to pay off all student debt, but is there a better alternative?Married, renting in Chicago age 33 and 28. We take advantage of the free events in the city (my job has museum entrance perks... etc), and we go out and have a good time once in a while.
I walk to work and the wife takes the bus (her income is net of these transportation costs)Income:
Me: $80K annually; Take home $4,100 monthly after 8% 401K (company match of 5%)and healthcare. I have about $100K in my 401K.
Wife: $63K annually; Take home of $3,200 after healthcare; works for state and pays into pension plan. No other retirement accounts.Monthly payments:
Rent: $1,450 (only bill we pay is electric; cable and internet is included)
Electricity: $40
Car insurance: $100
Gas: $100 (we have one car that is paid in full and both work in the city, so we rarely drive)
Rental Insurance: less than $20/month.
Cell phone: $100
Credit cards: No balance carryover from month to month.
Student loan 1: $121
Student loan 2: $502
grocery / restaurants / going out: $700Debt balances:
Student loan 1: $16,500 @ 1.75%
Student loan 2: $75,000 @ 6.25% (previous job wife would have qualified for a lump sum pay-down, however after horrendous working conditions, that is no longer an option.)Assets / Investments:
$140K in MMA @ 1%
$100K in 401K contributing 8% with 5% employer match.
$6K Roth IRA - started funding this year
$12K in wife retirement pension plan contributing 7% of income.Question: Should we use savings to pay off the 6.5% student loan? Any other tips / suggestions would be appreciated. Goals: we want to have money to put down 20% on a house in roughly 3-4 years.
Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
Background info: 23, out of college, first job, ~50k salary. I want to purchase a home in about 6 years. I already max out my ROTH IRA and want to start putting aside money for a down payment on a house. I don't want to just leave my money in a savings account or CD earning 1% a year, not even keeping up with inflation. I'm thinking I can put aside about $800 a month into a brokerage account spread across some ETF's and/or low fee mutual funds. However, there seems to be a lot of fees associated with having brokerage accounts. Hypothetically, if I were to have 5 funds, and I wanted to put money into each fund every month, the fees would take out $7*5=$35 from the $800 I put in. That's over 4% lost up front. This would occur monthly, so over a year, $35*12 = $420 of expenses. How can a "little guy" like myself get into the market without the large fees? Thanks for your input.
What to do with 85k Membership Rewards points
Added on : Wednesday July 10th 2013 04:00:09 PM
I have around 85k MR points from my corporate platinum AMEX charge card. My resignation took effect yesterday, and I think I have 30 days to figure out what to do with my points. I am 1K with United right now, but don't forsee traveling enough in the new job to keep that up beyond expiration in January 2014 (partly why I changed jobs). I also don't really see much personal air travel in the cards - I have a newborn child, and can't imagine my wife and I getting the energy to haul the baby around on a trip. We do have a short trip to NM planned in September that I could use them for however (from LAX).Lots of background there, but only b/c I want to make sure I'm not missing anything.From what I gather, the best use of these points is for airline upgrades. Not sure that makes the best sense given that MR and United don't mix, and the previously mentioned lack of travel. Based on the above, I'm thinking some gift cards are the place thing to do, with the hope that some of the GC sales for Home Depot, AMEX cash cards, or other will come available between now and when I have to do something. The only alternative I'm considering is transferring them to Skymiles and using them for the trip to NM.Sounds about right? I've been a long time reader of FW and just wanted to know what others thought.
Does Merchant Have Recourse after it loses a Credit Card Dispute?
Added on : Tuesday July 09th 2013 11:00:08 AM
Hi all,Wasn't sure where else to look for this topic, so I thought I'd ask here.A few months ago, I submitted a dispute to my credit card company. Several weeks later, I was notified that the dispute was resolved in my favor because the merchant never submitted any documentation to refute my claims. The card issuer placed a chargeback to the merchant. The merchant contacted me several times (both via email and letter) trying to collect payment. I replied each time and have documentation to prove it. In my replies, I explained my grievances directly. My card issuer also informed me that the merchant is not permitted to seek recourse directly from me; the merchant may only seek recourse from the card issuer. I articulated this to the merchant and never heard back again, assuming this to be a done deal.Now I am receiving a notification from a collection agency for the disputed amount.My questions are these: Can they do this? What recourse do they have? It's hard to take it seriously unless they're going to report to the credit bureau. Obviously it'd be a bad tradeoff to lose my ~800 FICO score over this.For what it's worth, the charge in question is $375.00 for a home appraisal. There were numerous deviations from standard practice in this appraisal, and they include using comparison home sales that were too old (i.e. over 6 months) and using homes that were too far away. I submitted a formal challenge to the appraisal and included alternative comparison homes that sold more recently and were closer. All my suggested alternatives had areas within 10% of mine and had the same number of beds/baths. The appraisal company denied the challenge even refusing to use my suggested comparison home that was three doors down and had been sold less than a month prior. Ultimately the low value of the appraisal killed the loan deal. Now by itself, this would be a pretty weak case. BUT, I knew the appraisal was wrong, so I went with another lender and got a second appraisal conducted only two weeks after the first. The second appraisal was done properly and came in 26% higher than the first! Then the refinance came through just fine.I'm not trying to weasel out of valid charges here. It just seems wrong to pay for two appraisals when one is so clearly incorrect.Thanks all!
Amazon has an additional 25% off coupon for select AC/Delco original equipment parts (a MUST for certain vehicles like Cadillac):
ACDelco Spark Plug Wire Sets
ACDelco Engine Air Filters
ACDelco Oil Filters
ACDelco Cabin Air Filters
In combination with free s/h through Prime and two-day delivery a real deal in comparison to the local automotive store alternative. It at least closes the gap between cheap replacement parts and OE, your car will thank you! Combine with 3% Cash Back on Amazon Auto for even more savings. Some deals even beat discount parts dealer like rockauto:ACDelco 748FF Spark Plug Wire Kit: $81.66 regular with -$20.42 discount to final $61.24! Compared to rockauto at $104.79 plus s/h. Available under Coupon Book --> other coupons or: http://www.amazon.com/gp/coupon-book?type=sv&id=%2F%2BtlYrP1ZGAM... Note: the fliters spelling issue complimentary by Amazon
Amazon Coupons
Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
"clip" both coupons and checkout via Subscribe and Save for Free Shipping.(even cheaper for 5X S&S!)First Click here to "clip" $1.50 coupon.Then click product link below, and "clip" $0.50 coupon on product page as well.Tide with Touch of Downy High Efficiency April Fresh Scent Detergent, 50 Ounce (Pack of 2).Tide with Touch of Downy April Fresh Scent Detergent, 50 Ounce (Pack of 2).Tide with Bleach Alternative Original Scent Detergent, 50 Ounce (Pack of 2).
Amazon Coupons
Dispute Resolution Mediation Addendum
Added on : Monday July 08th 2013 08:00:08 AM
In our region, there is a real estate sales contract addendum that is becoming more and more popular: the "Dispute Resolution/Mediation Addendum." In fact, the local realtor association recently released a template version which they recommend to be used.It's attached, as well as the associated propaganda.I struggle with whether or not it's a good idea. Maybe it's always a good idea for the seller, because the buyer is usually the one that breaks the contract? Maybe it's pointless, because the prevailing party should expect to have attorney's fees awarded to them anyway? Therefore, perhaps your position is watered down if the threat of a mountain of legal fees can't be used against the breaching party? Maybe it's a good idea for all parties involved to have a less-costly alternative to battling it out in court? I was hoping to get some expert opinions.
Apple's App Store is Celebrating 5 years and many apps are now FREE for the 1st time.Forex On The Go Premium | $59.99 → FREE
https://itunes.apple.com/US/app/id293932156?mt=8New features include:
✔ Multitasking support
✔ Customizable symbol selection
✔ Load optimization, and much more...
★★★★★★★★★★★★★★★★★★★★★★★*** This app is intended for trading professionals only. Forex On The Go Premium offers an ad-free interface and includes priority support. We recommend that before purchasing the Premium app that you download and try out the free Forex On The Go Lite app.Forex On The Go is the number 1 listed Forex application and the only application which allows full functionality MT4 trading through a sleek mobile optimized interface.This application also provides the most popular and robust mobile Forex tools for the iPhone and without requiring that you signup or create any account. Simply download the app, and you have instant access to the markets!Standard Features Include:
- Real-time interactive currency charts
- Real-time market price overview
- Fibonacci Retracement Calculator
- Pivot Point Calculator
- Profit CalculatorIn addition to the no-signup-needed Standard features, our application provides access to the most advanced mobile MT4 trading system available. Unlike other cumbersome and slow solutions, with Forex On The Go you can monitor and place live trades on your MT4 account quickly and easily through our beautiful mobile interface designed specifically for the iPhone.MT4 Trading Features Include:
- Trading from a real-time live tick chart
- Use all symbols supported by your broker
- Place Buy and Sell orders
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- Set Stop-Loss and Take-Profit
- Close and Modify Existing Orders
- View Real Time Profit/Loss of Live Trades
- View Past history
- And more...Our MT4 Trading functionality is a premium feature which is available absolutely free by creating a new Forex trading account (or by transferring an existing account) to one of our associated brokers. The MT4 trading functionality is alternatively available by paying a monthly subscription fee, and is compatible with nearly all MT4 broker accounts.Free Demo Accounts:
Download this app now, and you can get a free and instant demo account to try out the MT4 trading features first hand.Disclaimer:

Trading Forex can be extremely risky, by use and/or download of this software you acknowledge that you have fully read and understand our End User License Agreement and Risk Disclosure available at www.ForexOnTheGo.com, and that you agree to the terms set forth therein. FDM (broker) and Forex On The Go may be compensated for their services through the spread between the bid/ask prices. MT4 is a product of MetaQuotes Software Corp.
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LINK



Product DescriptionEnjoy life by the sea in your very own 3-in-1 Seaside House - made to minifigure scale! Go surfing on the surfboard, use the outdoor shower and then grill a feast on the beach. Just watch out for the pesky seagull sitting in the palm tree - he's hungry too! This detailed Seaside House also includes an opening roof and removable top floor for easy access. When you're ready for a different seaside building, use the supplied alternative building steps to rebuild it into a house with a beach hut or cute vacation apartment. Includes surfer minifigure.
Features 2-story interior with opening roof, removable top floor, double doors, veranda and shower
Includes surfer minifigure, seagull, crab and fish
Packed with accessories including life ring, surfboard, grill, sand castle and even a wave in the sea
A great 3-in-1 building experience rebuild into a house with beach hut or vacation apartment
Go surfing
Grill a feast on the beach
Watch out for the hungry seagull
House with beach hut features a stream with bridge, palm tree and drink machine in the hut
Vacation apartment features sea jetty, terrace and patio furniture
Seaside House measures over 7 in. (17cm) high, 5 in. (13cm) wide and 9 in. (24cm) long
House with beach hut measures over 5 in. (14cm) high, 5 in. (12cm) wide and 9 in. (24cm) long
Vacation apartment measures over 8 in. (20cm) high, 5 in. (13cm) wide and 7 in. (18cm) long
Kmart.com Coupons
Short Term, low interest financing 20k +
Added on : Monday July 08th 2013 06:00:16 AM
Hello,Looking for something along the lines of what CC companies offer for BTs. That is 6 to 18 months term at < 4%. Will require balloon payment at end of term or the rate skyrockets.Anyone know of alternative to CC's BTs? I would use my personal unsecured line of credit, just paying it off after I need it, but it's at ~9%. Does anyone have rate info on secured lines ie with equities?Thanks,Bryan
Alternative to Square, No CVV Required
Added on : Sunday July 07th 2013 05:00:07 PM
I run a business that for various reasons is *not* a target of scammers. We used to pay umpteen dollars a month just for the privilege of taking credit card numbers and expiration dates, and then processing them offline. We would wait for the item to be verified in stock and for us to be ready to ship before we'd charge the customer. This was a customer benefit. Also, we'd not hassle the customer for the CVV code. We didn't need it. Recently, our already very low volume business went on almost total hiatus. During that time, we got Square as a way to do occasional transactions. Now, we're about to come back online, at least for a time, and we've enabled our online store to collect orders with CC info. We've just realized we could not collect CC info with CVV info. The reason: CVV cannot be stored per Mastercard/Visa requirements. Our question: is there an alternative to Square that would charge a similarly low fee, and would allow us to process charges offline, and without a CVV code?
Amazon has great prices on a few Tide Detergents when you follow the instructions below.Note: You must be signed into your Amazon acct in order to clip the coupons. You may cancel subscribe & save any time after your order ships.1.$0.50 coupon link (click here)
2. $1.50 coupon (click here)
3.Select your choice of these:
◦2-pk 50-oz Tide Free & Gentle HE Liquid Laundry Detergent (Unscented) $10.33 with free shipping
◦2-Pack Tide Vivid White Bright w/ Bleach Alternative $9.40 with free shipping
4.Checkout using Subscribe & Save to see the discounted prices
Amazon Coupons
Retirement accounts optimization - request for help
Added on : Friday July 05th 2013 03:00:07 AM
I've accumulated a hodgepodge of retirement accounts. I'm less concerned about what's in them and more interested in simplifying or optimizing their structure. Here is the list:Rollover IRA @ ETrade - $50k
Roth IRA @ ETrade - $30k
Rollover IRA @ fidelity - $60k
401k @ prior employer - $175k
401k @ current employer - $50kI'm not an active trader and generally use index funds. 1. Should I move over the IRAs to other brokerages to get access to the best low cost funds? I have free trades at Wells Fargo. At some point I'd like to get most of these funds into a self-directed IRA to invest in more alternative asset classes. 2. Should I roll the prior 401 into my active one? Should I absorb the rollovers back into the active 401 assuming that's possible. Both 401s are large plans ($5+ billion) and have reasonable options (the prior 401 is just a bit cheaper). 3. Anything else I should consider?In case it's helpful, I'm nearing 40, max out my 401, and in will remain in high tax brackets for the foreseeable future. And I have a multiple of the above funds in non-tax advantaged accounts.
Kohls Reversible Down-Alternative Comforter Full/Queen $15.39
Added on : Sunday June 30th 2013 02:00:02 PM
http://www.kohls.com/product/prd-c34057/home-classics-reversible...Add the green or orange color to your cart, did not work on navy. Price will show $32.99. Sign into your account, save bag and sign out. Sign back in price will be $21.99.Use SUNNY30 for 30% off and SHIPFREE4U for free shipping (must have Kohls CC)
Random combination of items? Yes. But I was looking for a way to make this deal accessible for those select few FWers who don't have Shoprunner yet.Deal is for "new" customers only.We'll get:
1 Pantene Pro-V 12.6 fl oz Shampoo or Conditioner.
1 Pantene Pro-V Hair Gel / Detangler / Hair Spray.
2 Aussie 13.5 fl oz Shampoos or Conditioners.
1 Febreze - Air Effects Air Freshener, Alaskan Springtime - 9.7 oz.
5 Carmex Lip Balms.Total: $6.95 + Free Shipping!Note: You can replace the Pantene/Aussie with any other P&G haircare item (alternate items can be found in step 3). Just note that you do your math correctly.
Note 2: When the Carmex/Febreze go OOS, you'll need to find alternate fillers. The reason I chose these is simply because of their high coupon/price ratio.IMPORTANT NOTE: drugstore.com will many times place a pre-authorization for the amount in your order "total" (the pre-discount amount), but the actual charge is always the amount shown in the "subtotal" (the post-discount amount).Ready? Follow ALL steps:1) Clear Cookies / Private Browser.
2) Click here to activate FW affiliate link: http://click.linksynergy.com/fs-bin/click?id=*7WaaTN6umc&offerid=258330.10000685&type=4&subid=0 for $5 off $30 (new customer discount).
3) Click here: www.drugstore.com/user/promo.asp?code=2F7DE7AB&trx=29984&trxp1=140365&trxp2=4 to activate $5 off $15 P&G haircare. If going with the Pantene/Aussie deal, just close this window after it loads. Elsewise, click the product links (or the "Click here" hyperlink) for alternative products.
4) Click this link: http://www.drugstore.com/user/promo.asp?code=herbalaussie1may13&trx=29984&trxp1=137286&trxp2=4 and close window.
5) Click this link: www.drugstore.com/user/promo.asp?code=aussie150june13&trx=29984&trxp1=138056&trxp2=4 and add two Aussie Shampoo/Conditioner ($3.99) to cart.
6) Click this link: www.drugstore.com/user/promo.asp?code=aussie150june13&trx=29984&trxp1=138056&trxp2=4 and add one Pantene 12.6oz Shampoo/Conditioner ($4.99) AND one Pantene Hair Gel / Spray / Detangler ($3.99) to cart.
7) Click here: http://www.drugstore.com/febreze-air-effects-air-freshener-alaskan-springtime/qxp467687?catid=184273 click BOTH coupons and add Febreze to cart.
8) Click here: http://www.drugstore.com/carmex-ultra-moisturizing-lip-balm-spf-15-lime-twist/qxp370332?catid=183855 and add four Carmex lip balms to cart.
9) Click here: http://www.drugstore.com/user/promo.asp?promoid=135236&trx=29932&trxp1=135236 and add one more lip balm to cart (not the Jar).
10) In cart, enter zip-code and click "get estimate" to see additional $10 discount.
drugstore.com Coupons
Zobmondo!! Would You Rather? Boardgame - Classic Version
by Zobmondo!!3.9 out of 5 stars See all reviews (59 customer reviews)
List Price:$29.99
Sale:$11.25 & FREE Shipping on orders over $25. Details
You Save:$18.74 (62%)Amazon Best Sellers Rank: #2,348 in Toys & Games (See Top 100 in Toys & Games)
Average Customer Review: 3.9 out of 5 stars See all reviews (59 customer reviews)
Discontinued by manufacturer: YesZobmondo!! Would You Rather takes the idea of parlor game questions to a new level of debate and lunacy. WOULD YOU RATHER have five bottles stuck on the fingers of one hand for a year -OR- a bucket stuck on your foot for a year? "Neither" is not an option here! No matter how awful the alternatives are, it's up to the group to reach a consensus. Read the "would you rather" question, then let the conversation and laughter rip. Discuss and debate the mind-boggling options and see just how long it takes you all to agree on the absurd! To win, you must move around the board by correctly predicting the group consensus to each of your questions and complete three of the even more absurd "would you rather" challenges. Would you rather...Age only from the neck up-OR-age only from the neck down? In this version, youll find questions that are ethical, bizarre and mind-bending, but each is a field-tested conversation starter that is guaranteed to provoke ridiculous fun, break the ice at any party, and if played correctly open a unique window into the wild imaginations of friends and family!
Amazon Coupons
Refurbished I-7 LaptopASUS N56VM-RB71 Notebook Intel Core i7 3610QM(2.30GHz) 15.6" 8GB Memory 750GB HDD 5400rpm DVDR/RW NVIDIA GeForce GT 630M I know some people hate refurbished, but I always buy refurbished from Newegg-----If price is too high there is a refurbished I-7 for $500 free shipping w/o dedicated card.
Not with dedicated video card===Lower price $500 notebook SOLD OUT --- Alternative SOLD OUTAlternative alternative $494 Free shipping
Note this 2nd choice notebook is a Scratch and Dent ---Scratch and Dent ---Hmm also says Refurbished----??
I never bought a scratch and dent so I am not recommending this computer but it is a low price for i7
For the price I'd give it a try but I am a bit wary..........
===============================================================================
Learn more about the ASUS N56VM-RB71
ModelBrand
ASUSModel
N56VM-RB71GeneralColor
BlackOperating System
Windows 7 Home Premium 64-BitCPU Type
Intel Core i7-3610QM 2.3GHzScreen
15.6"Memory Size
8GB DDR3Hard Disk
750GBOptical Drive
DVDR/RWGraphics Card
NVIDIA Geforce GT 630MVideo Memory
2GBOther Features
Instant OnCPUCPU Type
Intel Core i7CPU Speed
3610QM(2.30GHz)CPU Support
6MB L3 Cache
Max Turbo Frequency 3.3 GHzDisplayScreen Size
15.6"Wide Screen Support
YesResolution
1366 x 768Operating SystemsOperating System
Windows 7 Home Premium 64-BitGraphicsGPU/VPU
NVIDIA GeForce GT 630MVideo Memory
Dedicated 2GBGraphic Type
Dedicated CardHard DriveHDD
750GBHDD RPM
5400rpmMemoryMemory
8GBMemory Type
204-Pin DDR3 SO-DIMMOptical DriveOptical Drive Type
DVDR/RWCommunicationsWLAN
802.11b/g/n Wireless LANBluetooth
Bluetooth 4.0PortsHDMI
1 x HDMIAudioSpeaker
B&O speakersSupplemental DriveWebcam
2.0M PixelPowerBattery
6-cell lithium ionQuick Info
Warranty Limited Warranty period (parts): 90 days
Limited Warranty period (labor): 90 days
Newegg Coupons
Free trip to Bahamas... just pay taxes and certificate cost YMMV
Added on : Wednesday June 19th 2013 08:00:07 PM
Been researching a ton on cheap alternatives to get to Grand Bahama Island. Found this company selling a Community Appreciation coupon booklet for 24.99. http://smartcirclecards.net/balearia-bahama-express-cruise.htmlMy experience with it was crappy at first... they denied me using it, because they said my coupon was expired,even though it was good for 5 more months. Then they directed me to upper management who were responsive at first, but lacked follow up. I had to take pictures of the certificate and email them to them. But the initial staff I was dealing with was super responsive, followed up with me by email to get me booked. So my experience was suck, but worth it to save as much as I did. With coupons my RT cost from FLL to Grand Bahama Island for 3 people was less than 300.
So
http://www.amazon.com/dp/B004CYE3TYConvenience Concepts brings you exciting and affordable furniture. Combining exciting designs with economical overseas manufacturing to bring you the finest in sensible contemporary furniture. Focusing on R-T-A Entertainment, TV, Storage, and Accent furniture.Good reviews and cheaper than an IKEA alternative.
Amazon Coupons
http://www.amazon.com/dp/B004CYE3TYConvenience Concepts brings you exciting and affordable furniture. Combining exciting designs with economical overseas manufacturing to bring you the finest in sensible contemporary furniture. Focusing on R-T-A Entertainment, TV, Storage, and Accent furniture.Good reviews and cheaper than an IKEA alternative.
Amazon Coupons
Free Fandango movie ticket (up to $15 value) with $25 Gillette (Men's) purchase @ drugstore.com
+
$5 off $30 for "new" customers.
+
$5 off $30 Gillette purchases.
+
Free Shipping after $25Note: Many of the Gillette products have coupons on them, so instead of "clicking" the "add to cart" checkbox, CLICK on the product image itself and open in new tab. There are more coupons to click there. Alternatively, use the coupon links below.The 8-pack of Gillette Fusion ProGlide Manual Razor
Cartridges comes out to $21 shipped along with a free movie ticket!
+ Many more great deals!Example deal:
Gillette Fusion ProGlide - 3-in-1 Styler Kit.
+ Gillette Fusion ProGlide Manual Razor.
+ Gillette Fusion ProGlide Irritation Defense Shave Gel (7 oz).
+ Gillette Men's Man of Steel Movie Ticket Giveaway.
= $13.37 + Free Shipping!Put together a good combination? Share it!~~~~~~~~~~~~~~~~~~~~
LINKS:First clear cookies or "private" browser etc.,$5 OFF: Click FW affiliate link to activate $5 off $30 for "new" customers. (need to enter zip-code and click "get estimate" in cart to see discount)
Not a "new" customer? Use the 10% link below instead.Free Movie Ticket: Click here to activate free movie ticket and view products.$5 OFF GILLETTE: Click here to activate and view products.~~~~~~
Link to individual coupons on Gillette products. Coupons can only be used once, so mix and match to maximize savings.Save an extra $3 on ONE Gillette Fusion ProGlide Razor.Save an extra $2 on ONE Gillette Fusion Shave Prep or ProSeries Skin Care.Save an extra $1 on ONE Gillette Bodywash or Deodorant.Save an extra $3 on ONE Gillette Fusion ProGlide Styler.Save an extra $2 on ONE Gillette Venus Razor or Gillette Venus Refill.
(Note: Venus items count towards $30 for both $5's off, but not towards $25 for free Movie Ticket.~~~~~~
10% OFF: Not using the $5 off $30? Copy/paste "www.drugstore.com/user/promo.asp?code=6A1C5700&aid=338795" instead.
(Note: To maximize savings, be sure to copy/paste the link BEFORE adding anything to cart. Also note, that you might need to copy/paste it AGAIN after adding products to cart)..
~~~~~~NOTE: drugstore.com will many times place a pre-authorization for the amount in your order "total" (the pre-discount amount), but the actual charge is always the amount shown in the "subtotal" (the post-discount amount).
drugstore.com Coupons
Amazon dropped the price of the U by Kotex Click Tampon, Super Plus Absorbency, 18-count Boxes (Pack of 4) to $6.55.It's an add on item. So either stack one 4-pack (72 Tampons) [$4.55 after $2 coupon] with other items to get free shipping over $25, or just add 4x 4-packs (288 Tampons --> More than a years supply, but they don't go bad... ) and checkout for $24.20 and Free Shipping.http://www.amazon.com/gp/product/B00381AV3E/?m=ATVPDKIKX0DER~~~~~~~~~~~~~~~~~~~~
Alternatively, get the 36 count packs for $4.62 + FS w/Subscribe & Save
http://www.amazon.com/gp/coupon/-2-00-off-of-one-case-kotex-prod...
Amazon Coupons
I've seen cheaper. I've not seen a more beautiful SS 1911.Seems much tighter/well-honed than the Remington or Springfield alternatives. Good luck!Link
Evolution: A View from the 21st Century (FT Press Science) [Kindle Edition] - was $34.99James A. Shapiro (Author)http://www.amazon.com/dp/B0054KOKZ2Publication Date: June 8, 201128 Reviews ★★★★#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Military History
James A. Shapiro proposes an important new paradigm for understanding biological evolution, the core organizing principle of biology. Shapiro introduces Crucial new molecular evidence that tests the conventional scientific view of evolution based on the neo-Darwinian synthesis, shows why this view is inadequate to today's evidence, and presents a compelling alternative view of the evolutionary process that reflects the shift in life sciences towards a more information- and systems-based approach in Evolution: A View from the 21st Century.

Shapiro integrates advances in symbiogenesis, epigenetics, and saltationism into a unified approach that views evolutionary change as an active cell process, regulated epigenetically and capable of making rapid large changes by horizontal DNA transfer, inter-specific hybridization, whole genome doubling, symbiogenesis, or massive genome restructuring.

Evolution marshals extensive evidence in support of a fundamental reinterpretation of evolutionary processes, including more than 1,100 references to the scientific literature. Shapiro's work will generate extensive discussion throughout the biological community, and may significantly change your own thinking about how life has evolved. It also has major implications for evolutionary computation, information science, and the growing synthesis of the physical and biological sciences.James Shapiros Evolution: A View from the 21st Century proposes an important new science-based paradigm for understanding biological evolution. Shapiro explains how conventional evolutionary theory (as elaborated from the neo-Darwinian synthesis) has become outdated, and he marshals new molecular genetics and DNA sequence evidence to reinterpret fundamental evolutionary processes.

Shapiros new information- and systems-based paradigm integrates important phenomena such as symbiogenesis, epigenetics, and natural genetic engineering. He demonstrates how active cell processes can drive the rapid, large evolutionary changes seen in the DNA that cannot be adequately explained by earlier theories.

Evolution: A View from the 21st Century is likely to generate extensive discussion throughout the biological community and might change your own thinking about how life has evolved. Shapiros vision also has major implications for evolutionary computation, information science, and the growing synthesis of physical and biological sciences.

About the Author
James A. Shapiro, Professor in the University of Chicagos Department of Biochemistry and Molecular Biology, is a leading bacterial geneticist, the discoverer of transposable elements in bacteria, and the key researcher involved in first organizing the field of mobile genetic elements. The earliest proponent of natural genetic engineering as a basic feature of evolution, he has been a leading scientific critic of orthodox evolutionary theory for 20 years.

Shapiro is co-editor of DNA Insertion Elements, Episomes, and Plasmids (1977, Cold Spring Harbor Press), editor of Mobile Genetic Elements (1983, Academic Press), and co-editor of Bacteria as Multicellular Organisms (1997, Oxford University Press). He holds a Ph.D. in genetics from Cambridge University.
LinkNeed to click on other deals to see this while available!Great price on a excellent alternative to real milk for those of us intolerant to it.. Not sure how long this will last! Due in stock 6/11
Amazon Coupons
HUGE Bedding Sale! Sheets, blankets, and full comforter sets
Added on : Monday June 10th 2013 12:00:02 PM
Two Complete 4-Piece Sets: 1600 Series Egyptian Comfort Sheets - $39Club Le Med Down-Alternative Comforter - Assorted Colors - $364-Piece Set: Royal Luxe 1000TC Wrinkle-Resistant Egyptian Cotton Rich Sheets - $67Reversible Microfiber Comforter in Solid & Print - $294-Piece Set: Hotel New York Dobby-Stripe 1600 Series Summer Sheets - $27All-Season Down-Alternative Reversible Blanket - Assorted Colors - $398-Piece Set: Chic Home Lakhani Bedding - Assorted Colors - $861000 Thread Count Royal Luxe Egyptian Cotton Sateen Bedsheets - $768-Piece Set: Chic Home Euphoria Comforter Collection - $837-Piece Set: Arden Hotel Embroided Oversized & Overfilled Comforter Collection - $798-Piece Set: Chic Home Zebra Comforter Collection - Black or Brown - $866-Piece: Oversized & Overfilled Comforter Sets - Assorted Styles - $698-Piece Set: Chic Home Cheetah Comforter Collection - $798-Piece Set: Lillian Luxurious Comforter Ensemble - Chocolate- $798-Piece Set: Blossom Cozy Quilted Comforter Ensemble - $788-Piece Set: Blossom Cozy Quilted Comforter Ensemble - $788-Piece Set: Venice Luxurious Comforter Ensemble - Green - $908-Piece Set: Alvern Luxurious Comforter Ensemble - Taupe - $897-Piece Set: Carina Luxurious Comforter Ensemble - Blue - $798-Piece Set: Torino Cotton Bed-in-a-Bag - $598-Piece Set: Zinnia Comforter Ensemble - Assorted Colors - $76
Vitamin Shoppe 20% off entire purchase, free ship at $25
Added on : Sunday June 09th 2013 04:00:01 AM
........ valid online only through june 10, 2013 at 11:59PM, ET. to redeem use code: VSSAVE20 Free shipping on orders over $25+,http://www.vitaminshoppe.com/store/en/browse/sku_detail.jsp?id=O...
VitaminShoppe.com is offering 20% orders + free shipping over $25 with discount code VSSAVE20. 10lb bags of ON whey are $104.99 - 20% = $83.99. Alternatively, you can purchase 5lb tubs of various flavors for $53.99 - 20% = $43.19. I also went through the mister site to save another 7%, so my 5lb tub ended up being just $40
Free shipping with orders over $49. Wayfair LinkAlternatively, $41.80 shipped from Amazon. Amazon Link
Amazon Coupons
5 for $4 (=$0.80 each shipped).Click link and add 5 to cart. Checkout via Shoprunner for Free Shipping.Only "Lime Twist" = 5 for $4. Other flavors are 5 for $5.
(Alternatively, you can add 4 "Lime Twists" and 1 of any other flavor for $4 as well.)Lime Twist: http://www.drugstore.com/carmex-ultra-moisturizing-lip-balm-spf-...Other Flavors: http://www.drugstore.com/user/promo.asp?promoid=135236&trx=29932...~~~~~~~~~~~~~~~~~~
P.S. I tried, but haven't been successful in getting any other codes (10% or 5%) to stack. If someone succeeds... Please share the love
drugstore.com Coupons
ON SALE: Valentino Garavani - Logo Textured Silk Tie
Added on : Tuesday June 04th 2013 09:00:04 AM
The textured weave of the logo silk tie offers an elegant alternative to the solid silk tie without overstepping professional decorum. Signature envelope included. Made in Italy.
That's $1.30 a piece!Note: Deal is for "new" customers. Not a new customer? See below for alternative.~~~~~~~~
1) Click FW affiliate link to activate $5 off $30 "new" customers.2) Click here to activate $5 off $20 Unilever products.3) Click here and add 3 (THREE) of the $5.79 and 1 (ONE) of the $3.49 to cart.
(Note: when the $5.79 goes oos, next best will be 3 off the $5.99 ones. When those go OOS too... We'll have to settle for 6 Degree Deodorants. And we'll add 6 of the $3.49 ones to cart)4) Click here to activate $1 Sure coupon. Close window after it loads.5) Click here and add 3 (THREE) DIFFERENT Sure deodorants to cart ($2.39). (adding 3 of the same item will not allow the $1 coupon to stack)6) We need a >$2.04 filler to reach $30. So chose between 2 olay bars and the Venus Razors.
Olay (CLIP $2 COUPON and add 2 (TWO) to cart).
Venus (CLIP BOTH $2 COUPONS and add to cart).7) In cart enter zip code and click "get estimate".8) Checkout. Smile. Smell nice. ~~~~~~~~
If not using the FW link for "new" customers, Copy/paste "www.drugstore.com/user/promo.asp?code=6A1C5700&aid=338795" to activate 10% off.
No need for any other filler. The 7 Degree Deodorants should total $11.77 + FS w/Shoprunner.
(To maximize savings, be sure to copy/paste the link BEFORE adding anything to cart. Also note, that you might need to copy/paste it AGAIN after adding products to cart)..
drugstore.com Coupons
Disney Increases Ticket Prices (June 2013)
Added on : Monday June 03rd 2013 08:00:08 AM
Effectively yesterday (Sunday, June 2, 2013), Disney follows in the footsteps of Universal Studios ($90), and increases the single day adult ticket prices to an unprecedented $95.I went ahead and purchased our 2014 tickets now using the Mousesavers newsletter link to Undercover Tourist, effectively saving us $44 per ticket compared with the new gate prices. This thread is to inform those of the price increase and notify those that want to legitimately purchase tickets that they may want to do so now. Undercover will sell you tickets at the old price until their stock is depleted. This post is not meant to discuss "alternative" methods for entry.
Vegan Indian Cooking: 140 Simple and Healthy Vegan Recipes [Kindle Edition] - was $19.95Anupy Singla (Author) http://www.amazon.com/dp/B008FOSJXSPublication Date: July 6, 201252 Reviews ★★★★.5#1 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Regional & International > Asian > Indian This beautiful follow-up to Anupy Singla's widely praised first cookbook, the Indian Slow Cooker, is a unique guide to preparing favorite recipes from the Indian tradition using entirely vegan ingredients. Featuring more than 50 recipes, and illustrated with color photography throughout, these great recipes are all prepared in healthful versions that use vegan alternatives to rich cream, butter, and meat. The result is a terrific addition to the culinary resources of any cook interested in either vegan or Indian cuisine.Singla--a mother of two, Indian emigre, and former TV news journalist--has a distinctive style and voice that brings alive her passion for easy, authentic Indian food. Some of these recipes were developed by her mother through the years, but many Singla developed herself, including fusion recipes that pull together diverse traditions from across the Indian subcontinent. She shows the busy, harried family that cooking healthy is simple and that cooking Indian is just a matter of understanding a few key spices.As Singla sees it, acquiring and using the proper spices is the key to preparing her healthful recipes at home. Singla has recently brought to market her own line of traditional Indian spice trays (also known as a masala dabba), which is being sold by retail outlets like Williams-Sonoma. Vegan Indian Cooking builds off of Singla's vast expertise in simplifying and perfecting Indian spices and unique, custom spice blends, making delicious Indian cooking accessible to even the most hurried home chef.About the Author
Anupy Singla formerly worked as an on-air TV reporter and anchor for CLTV News, the cable arm of the Tribune Company broadcasting and sister station to Chicago's WGN-TV, and for Bloomberg TV. Her food writing has appeared in several print and online publications including the Chicago Tribune, the Chicago Sun-Times, and the wall street journal. She's demonstrated her Indian cooking skills on WGN-TV, WLS-ABC and numerous network affiliates across the country. Her previous book, Indian Slow Cooker, is a number-one bestselling Indian cookbook on Amazon.com. She lives with her husband and two young daughters in Chicago, IL.
Amazon Coupons
Roadside assistance claim and insurance premiums?
Added on : Friday May 31st 2013 10:00:02 PM
I have auto insurance through USAA, which includes the "Towing & Labor" option selected (which I have never used). Yesterday though, I locked my keys in my car. Upon realizing that this was covered by the USAA roadside coverage, I called them up, they promptly dispatched someone to unlock my car, and I was out of there much quicker than expected!Anyway...are roadside assistance claims likely to affect my insurance premiums? On USAA's website it shows up like any other claim ("Towing and labor Loss"). I'm almost certain there's no deductible that applies to this. If I had this service through AAA or some other company/organization, I would think (or at least hope) my assistance calls aren't shared with insurers, and therefore it would not affect my rates. But in this case, the insurer does know. Does this count like a regular "claim" with the insurer, and might it give me trouble if I look at switching insurers in the near future? (And FWIW: i've never made any claims, and my last traffic ticket was over 5 years ago. On the other hand, i'm a mid-20s male, and auto insurance in my city is expensive as it is.)Is it best to avoid roadside assistance through insurers for these or any other reasons? In any case, I'll probably look at other alternatives for roadside assistance aside from USAA.Thanks all.
Moving and need alternative to a firm bed
Added on : Friday May 31st 2013 08:00:07 AM
Without actually taking my huge bed and frame. I need a bed I can spread out on, put my laptop on, without having the pillow fall off or a japanese matress being pulled under my body out of my feet.Any good alternatives you guys can think of? Gotte move tomorrow for a Masters Program 2 hours away
With the "death" of the 2% Priceline card, there are few 2% alternatives aside from Fidelity AMEX and the Capital One Spark Cash card for Business. Does anyone have experience using a Small Business card for routine personal expenses? I have an AMEX Business Gold Rewards Card which I've occasionally used for personal charges while predominately using it for business expenses. Thanks,
Use of a Small Business Credit Card for Personal Expenses
Added on : Thursday May 30th 2013 03:00:10 AM
With the "death" of the 2% Priceline card, there are few 2% alternatives aside from Fidelity AMEX and the Capital One Spark Cash card for Business. Does anyone have experience using a Small Business card for routine personal expenses? I have an AMEX Business Gold Rewards Card which I've occasionally used for personal charges while predominately using it for business expenses. Thanks,
Last week this item was a great deal with Three Pack for $8... [i.e. $0.0044 each]So I'm guessing it's an even better deal buying twice as much for $11.87 [$0.0032 each].FIRST: Copy/paste this link to activate 10% off everything:
"drugstore.com/user/promo.asp?code=6A1C5700&aid=338795"Then click here and add 2 to cart (CLICK BOTH COUPON CHECKBOXES):
http://www.drugstore.com/q-tips-cotton-swabs-triple-pack/qxp3050...Note that we're $0.02 short of $20 (to get $5 off), so we'll need a small filler item (cheapest I found that's SR eligible is this: http://www.drugstore.com/tresemme-moisture-rich-vitamin-e-condit...Final price (including filler): $11.87 + Free Shoprunner shipping.(note: Discount shows at checkout, alternatively, enter zip-code and click "get estimate" too see discount in cart)~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Deal could be made even hotter, by stacking $5 off $30 for "new" customers (INSTEAD of 10% off), along with some "hot" fillers...
See here: http://www.fullofdeals.com/forums/hot-deals/1275093/
Or the deodorants I posted here: http://www.fullofdeals.com/forums/hot-deals/1275139/
drugstore.com Coupons
Miracle Noodle is 15% off on Amazon
Added on : Sunday May 26th 2013 02:00:06 PM
Miracle Noodle is offering 15% off their shirataki noodle products, which are a gluten-free, fat-free, calorie-free alternative to traditional noodles and pasta. http://www.amazon.com/b/ref=amb_link_375908282_3?ie=UTF8&node=68...
To all those getting in on the $5 off $20 Unilever products promo...How about adding a few fillers to your order for about a dollar?Deal is for "new" customers.drugstore.com takes $10 off $50 for "new" customers, BUT it calculates from BEFORE any discounts...So, if you're getting $20 worth of Unilever anyway, might want to consider adding these fillers all for about another $1.Final pre-coupon price of these items is: $24.71... (so it'll work if your other items total $25.29 or more).Items:
2x Pantene Hairsprays/Gels etc.
2x Vidal Sassoon Hair Spray.
5x Blistex Lip Balm.
2x Olay Beauty Bar.~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~LINKS:CLEAR COOKIES ETC., Note: Final price displays at checkout. Alternatively, enter zip-code in cart and click "get estimate" to see discount in cart.FW affiliate link for $10 off $50 offer for new customers.Add 2 Pantene ($3.59) from here: http://www.drugstore.com/user/promo.asp?code=pantene3may13&trx=2...Add 2 Vidal Sassoon (CLICK $1 COUPON): http://www.drugstore.com/vidal-sassoon-pro-series-hair-spray-ext...Add 5 Blistex: http://www.drugstore.com/blistex-lip-protectant-spf-15-raspberry...Add 2 Olay (CLICK $2 COUPON): http://www.drugstore.com/olay-ultra-moisture-beauty-bar-with-she...Final price for 11 items = [pre-coupon=$24.71, post coupons=] $10.96 (Less $10 for $10 off $50 = $0.96)~~~~~~~~~~~~~~~~~~~~~~~~~
NOTE: IF YOU'RE NOT getting the Unilever deal, you can still get this deal, albeit not as hot. Just add $5.29 of other items (preferably high coupon/price ratio) and get the $5 off $30 instead.
drugstore.com Coupons
ON SALE: Valentino - Logo Textured Silk Tie
Added on : Saturday May 25th 2013 09:00:09 AM
The textured weave of the logo silk tie offers an elegant alternative to the solid silk tie without overstepping professional decorum. Signature envelope included. Made in Italy.
~70% off!Combining overlapping promos, we can get $40 worth of L'Oreal Makeup and Cosmetics for ~$13 (or $50 for ~$16) with Free Shipping!drugstore.com has the following promotions:
* BOGO 50% on many L'Oreal items. In essence = 25% off.
* Buy $40 L'Oreal get $12 off. In essence = 30% off.
* Buy $50 get $10 off (for "new" customers via affiliate link). In essence 20% off.Total 25% off + 24% off** + 20% off = 69% off!!!Note that after adding $40 worth of L'Oreal, the remaining ~$10 can be any other items (preferably high coupon/price ratio items, such as the Olay Bar soap, $1.49 + Buy 2 save $2. Or the Covergirl cosmetics, $2.39 + Buy 2 save $3).**(the 30% is actually only 24% 'cause we're buying $50, not $40)
~~~~~~~~LINKS:CLEAR COOKIES ETC., Note: Final price displays at checkout. Alternatively, enter zip-code in cart and click "get estimate" to see discount in cart.FW affiliate link for $5 off $30 / $10 off $50 offer for new customers.$12 off $40 L'Oreal items.BOGO 50% L'Oreal Makeup.BOGO 50% L'Oreal Lip or Nail Cosmetics.BOGO 50% L'Oreal Eyeliner or Mascara.Free Bag via MIR. Free is free. Why not?
drugstore.com Coupons
FatWallet Welcomes Redbubble with 2.5% Cash Back!
Added on : Thursday May 16th 2013 12:00:04 PM
0 Posted By: FatWallette
Views: 230 Replies: 0




Pop Culture Tees! Designs for gamers, film buffs, TV addicts and pop culture vultures on Redbubble.If youre looking for unique and impossibly brilliant t-shirts, heart-stopping wall art, attention grabbing iPhone cases or any other beautifully designed products were here to present an alternative to the mass producing hordes rudely hawking your individuality back to you on the main street.





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Redbubble Coupons
As always, best to CLEAR COOKIES with any drugstore.com deal.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Click here to add Razor + 2 Refill Cartridges to cart:
CLICK $2 COUPON!Click here to add an additional 4 Cartridges to cart:
CLICK $2 COUPON!Click here to activate additional $5 off "energizer" products:
(If clicking doesn't work, try copying/pasting instead:
"http://www.drugstore.com/user/promo.asp?code=455118C4". Alternatively, enter code 455118C4 in cart.)In cart, enter zip-code and click "get estimate" to see additional $5 discount.Final price $11.48 + Free Shipping with Shoprunner.~~~~~~~~~~~~~~~~~~~~~~~~~
(Note: Can replace the 4 cartridge refills with the "Sensitive" refills for an additional $0.50
http://www.drugstore.com/schick-quattro-for-women-sensitive-refi...
drugstore.com Coupons
As always, best to CLEAR COOKIES with any drugstore.com deal.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Click here to add Razor + 2 Refill Cartridges to cart:
CLICK $2 COUPON!Click here to add an additional 4 Cartridges to cart:
CLICK $2 COUPON!Click here to activate additional $5 off "energizer" products:
(If clicking doesn't work, try copying/pasting instead:
"http://www.drugstore.com/user/promo.asp?code=455118C4". Alternatively, enter code 455118C4 in cart.)In cart, enter zip-code and click "get estimate" to see additional $5 discount.Final price $11.48 + Free Shipping with Shoprunner.~~~~~~~~~~~~~~~~~~~~~~~~~
(Note: Can replace the 4 cartridge refills with the "Sensitive" refills for an additional $0.50
http://www.drugstore.com/schick-quattro-for-women-sensitive-refill-cartridges/qxp215018?catid=183779)
drugstore.com Coupons
Need Credit Card that Covers Cell Phone Losses
Added on : Wednesday May 15th 2013 10:00:06 AM
There are credit cards which insure against losses to some extent. Which banks offer them? Are some better than others? Finding these cards has been elusive. Any suggestions or alternatives would be appreciated.
http://www.amazon.com/Beer-Proof-God-Loves-ebook/dp/B00403MNSK
Free upon posting, this is a LIMITED TIME OFFER which can be pulled at ANY MOMENT
Beer Is Proof God Loves Us: Reaching for the Soul of Beer and Brewing (FT Press Science) [Kindle Edition]
Charles W. Bamforth (Author)
3.6 out of 5 stars See all reviews (81 customer reviews)
Digital List Price: $25.99 What's this?
Print List Price: $25.99
Kindle Price: $0.00 includes free wireless delivery via Amazon Whispernet
You Save: $25.99 (100%) Length: 221 pages (Contains Real Page Numbers) Book Description
Publication Date: August 26, 2010Beer Is Proof God Loves Us is a funny, engaging, and downright joyous examination of the whole world of beer and brewing. Your guide, Charlie Bamforth, may be the world's #1 expert on every aspect of beer. After a worldwide search, he was selected as the first Anheuser-Busch Professor of Brewing Science at the University of California, Davis. Now, he presents the most compelling social history of beer ever written: where it came from, where the brewing business stands now, and what the future holds. In this far-reaching book, he reveals:  The extraordinary complexity and artistry that can be found in great brewing The factors that impact beer quality and wholesomeness Centuries-old cultural values embedded in good beer  Bamforth also explains what the rise of new craft breweries means to beer drinkers and what the latest global trends will have on beer consumption. The book concludes with a look to the future, illustrating how environmental issues will change the brewing industry and addressing radical new approaches to brewing, such as Happoshu and malternatives.
Amazon Coupons
Shamelessly Ripped from SD:
"Sears is running a buy3 get 1 free on Goodyear Eagle GT or Bridgestore weatherforce plus tiresLook for tires that fit your car and add 4 qty of the above brand tires to carthttp://www.sears.com/automotive-tires/c-1020100Apply the below codes for final priceBuy 3 get 1 free with code "B3G1TIRE" on Goodyear Eagle GT or Bridgestone WeatherForce Plus Offer ends 18-May-2013$40 off $350 auto purchases, Sold by Sears. Use code "40AUT350". OR SYW (Shop Your Way) members can use "65SYW350" to get $65 in points 01-Jun-2013 See details. [BONUS TIP: these 2 codes currently stack, last time the same thing happened and i was able to get both the $40 off and the points as well]Alternatively you could also use "SEARS35OFF300AFFILIATEDEALS" (for $35 off) instead of "40AUTO350" and be guaranteed of the $65 in pointsadditional $40 MIR for Goodyear GT tires herehttp://c.sears.com/ue/home/NPP1RdmpFormGY.pdf"Make this even hotter and use http://www.cardpool.com/buy/sears-gift-cards GC's for an extra 5% off - get the electronic version of the GC and it should be emailed to you within a day.
Sears Coupons
Shamelessly Ripped from SD:
"Sears is running a buy3 get 1 free on Goodyear Eagle GT or Bridgestore weatherforce plus tiresLook for tires that fit your car and add 4 qty of the above brand tires to carthttp://www.sears.com/automotive-tires/c-1020100Apply the below codes for final priceBuy 3 get 1 free with code "B3G1TIRE" on Goodyear Eagle GT or Bridgestone WeatherForce Plus Offer ends 18-May-2013$40 off $350 auto purchases, Sold by Sears. Use code "40AUT350". OR SYW (Shop Your Way) members can use "65SYW350" to get $65 in points 01-Jun-2013 See details. [BONUS TIP: these 2 codes currently stack, last time the same thing happened and i was able to get both the $40 off and the points as well]Alternatively you could also use "SEARS35OFF300AFFILIATEDEALS" (for $35 off) instead of "40AUTO350" and be guaranteed of the $65 in pointsadditional $40 MIR for Goodyear GT tires herehttp://c.sears.com/ue/home/NPP1RdmpFormGY.pdf"Make this even hotter and use http://www.cardpool.com/buy/sears-gift-cards GC's for an extra 5% off - get the electronic version of the GC and it should be emailed to you within a day.
Sears Coupons
Kayak Map option
Added on : Tuesday May 07th 2013 04:02:21 AM
Hi everyoneI could not find any infomation on this so I hope someone can help me out. Some years ago Kayak.com had a map option that would let you select your starting location and show lowest prices for various locations as you moved your mouse around the map. I am very flexable on where to go on vacation and I want to let the cost tell me where to go. I think Kayak pulled this option some years ago. Are there alternatives to this? thx
Is burying cash a safe alternative?
Added on : Sunday May 05th 2013 11:01:23 AM
If I bury my cash, and the jar broke, how long would currency survive in average soil?
Disney Toddler Boy's Toy Story BZF 316 Lighted Athletic Shoe - SilverAvailable Sizes 7-12.Reg $29.99. Sale $9.99 (valid through today? 5/5)Use code SAVENOW for 15% off, alternatively use code MEMBERS for 25% back in SYW points.Shipping is free with SYWM, alternatively chose Free Store Pickup.http://www.sears.com/shc/s/p_10153_12605_036VA21901101PSynthetic upper
Synthetic outsole
Velcro closure
Toy Story detail
Light feature
Sears Coupons
Property Boundary Dispute
Added on : Saturday May 04th 2013 05:01:28 AM
Background:
My dad's neighbor has constantly claimed part of my dad's yard as his. (He moved in next door after my dad had lived there for about 10 years). All the antidotal evidence I have gathered (it's a borough in Pennsylvania with approx .2acres size lots) shows it should be my dad's property. However, neither side has wanted to pay for a survey. Today:
He spray paints lines approx 8 feet inside what we believe to be the boundary, and it looks like he's got a stack of 6x6's and he's going to build right down the yard. (He's already moved things in my parents garden which has been there for decades and we have old old pictures of it's location, but they have no proof he moved it). It looks like he's going to put everything in this weekend. since it's the weekend - Should my dad just
1. Let him do it (Document with a camera what he's doing?)
2. Call the police
3. Confront the guy (or put up some nice no trespassing signs and then video tape the guy taking them down?)
Yes he needs to call a Lawyer on Monday. I told him that about 10 times but he's pretty thick (can't say I'm much different).from a financial perspective I don't see an alternative to racking up some Lawyer bills. Confronting the guy hasn't seemed to work (I talked to him nicely once before, but that didn't seem to do much). i'll try to get some pictures up later.
5.11 Tactical Taclite TDU Pants (MSRP:$55) - 40% off for $29.99
Added on : Friday May 03rd 2013 08:00:02 AM
5.11 Tactical Taclite TDU Pants (MSRP:$55) - 40% off for $29.99http://www.unholycocktail.com/5-11-tactical-taclite-tdu-pants-sp...A golden opportunity to own exceptional quality 5.11 pants at a fat discount. Normally $55. Yours for $29.99. Outfit yourself with a pair of these 5.11 pants most ricky-tick. The alternative? Outfit thyself with dunce cap.
Only $29.99 plus $4.99 site-wide flat-rate shipping (*some exceptions for large over-sized items).
$20 Skype Credit for $10 (.Edu Email or Facebook Required) *Back Again - TODAY ONLY*CollegeBudet

Valid only for those with a student email or login with Facebook$20 Skype Credit for $10 [collegebudget.com]
http://collegebudget.com/national/deal/today-only-$10-for-$20-wo... Expires Oct 01, 2013 12:00 AM. No cash alternative. Not for resale. One voucher per user. Skype reserves the right to exclude participants from the offer in the event of suspected abuse or fraud. To redeem your voucher and make Skype calls, you must have a registered Skype Name and an Internet connection. A connection fee applies. Redeem your voucher by 09.30.12. Skype is not a landline replacement and cannot be used for emergency calls. Skypes Terms of Service apply see www.skype.com/tos [Skype.com])
http://www.skype.com/en/?url=http%253A%252F%252Fwww.skype.com%25... How does this deal work?
1) Buy this deal right now, right here for $10.
2) Get a $20 e-gift code to spend at Skype.com
3) Take your smokin' hot e-gift code, go to Skype.com/voucher and enter your code into to redeem your voucher. sd
Vasectomy (at least $180) or Tubal Ligation (no cost)?
Added on : Sunday April 28th 2013 11:02:01 AM
My wife decided to stop taking hormonal birth control for health reasons about 2 years ago. Now it is time for something permanent. Two years ago the choice was obvious to us, a vasectomy for me. At the time, my procedure was simpler and cheaper. Now, we found out due to the ACA tubal legations are "free" thru my insurance while vasectomies cost at least $60 per office visit, with a minimum of 3 visits. I am thinking it makes more sense to get her the free tubal legation instead of forking over $180 or more for a vasectomy. Are more men going to chose not to get vasectomies due to the higher costs involved than the alternative? Thoughts?Edit: Our local medical center says female tubal legation is a 20-30 minute outpatient procedure: http://www.stdavids.com/patients-visitors/health-library.aspx?ch...
Dishworld iptv $14.95/month for 3 months. And free roku box scheme
Added on : Thursday April 25th 2013 06:00:02 PM
Dishworld iptv is an international tv service from dish tv without using any satellite dish.
It uses a Roku box or alternatively pc app or Android app(no ios app yet).You can watch international channels in various languages using Roku box on your tv. You need a high speed internet connection.They are running two schemes.http://www.dishworld.com/1) Get first 3 months for $14.95 per month. Normally upto $45 per month for Hindi mega pack. So you get 3 months for the price of one.
http://www.dishworld.com/index.html2) Another scheme is for a free Roku box if you pay upfront for 4 months. First 3 months at $14.95 and fourth month at normal price.
For approximately $85 for various languages, you get 4 months of service and a free Roku LT box.
http://www.dishworld.com/roku.htmlI have been using their Hindi premium pack for past 1 month and have had very good overall service. Zee tv comes in HD. Others are SD.
You can go back up to 8 days and view any program. That's a cloud DVR for free. Customer service is very fast and helpful over phone. Email service just responds to call on phone and is useless per me.
Vasectomy (at least $180) or Tubal Legation (no cost)?
Added on : Wednesday April 24th 2013 10:01:27 PM
My wife decided to stop taking hormonal birth control for health reasons about 2 years ago. Now it is time for something permanent. Two years ago the choice was obvious to us, a vasectomy for me. At the time, my procedure was simpler and cheaper. Now, we found out due to the ACA tubal legations are "free" thru my insurance while vasectomies cost at least $60 per office visit, with a minimum of 3 visits. I am thinking it makes more sense to get her the free tubal legation instead of forking over $180 or more for a vasectomy. Are more men going to chose not to get vasectomies due to the higher costs involved than the alternative? Thoughts?
drugstore.com has the Promax Nutrition Protein Energy Bars on sale 30% off.
Stack that with their B2G1 promo...
Stack that with their 20% off (or $10 off "new" customers).
+ Get a free Sample-filled tote!Final price for 3 packs of 12:
With $10 off = $25.98.
With 20% off = $28.78.~~~~~~
Links:Decide if you're going with the 20% off or the $10 off before you start... (Else you'll have to go through clearing cookies again. )20% off:
Click here to activate (can close browser window/tab after activating.)
[Alternatively use $10 off $50 below]Free Tote:
Click here to activate (can close browser window/tab after activating.)Promax Nutrition Bars:
Click here, select desired product/products and add 3 (THREE) to cart.$10 off $50 (FW affiliate link):
Click here to activate. (In cart, enter zip-code code and click "get estimate" to see $10 discount).
drugstore.com Coupons
I currently own/live in a downtown condo highrise. Parking is very scarce in the area, and there are many residents in my building that are seeking additional parking spots. Fortunately, I have an extra parking spot that I'm planning to lease out to another resident in my building for $400/month. I'm looking for ways to minimize tax exposure on the $4800 annual revenue generated from this lease arrangement. Would the IRS would find it acceptable for the party renting the spot to pay the $400 payment directly to the HOA (thus reducing my monthly HOA balance)? Alternatively, if the tenant paid me a monthly check, could I sign the check over to the HOA? I'm not looking to do anything illegal, but it seems to me that either of these arrangements would effectively hide lease revenues from the IRS.I suppose that this questions doesn't necessarily need to apply only to parking leases. The same question would be valid in a scenario in which a tenant was subleasing a room in a house, and the landlord wanted them to pay utilities/expenses/HOA dues in exchanged for a reduced rent rate.I look forward to everyone's thoughts and feedback!
48 Hrs. - DVD for $2.99 + free shipping
Added on : Monday April 22nd 2013 09:00:10 AM
48 Hrs. - DVD for $2.99 + free shippinghttp://www.bestbuy.com/site/48%20Hrs.%20-%20DVD/7962092.p?id=200...Variation on the "buddy-cop" hybridized genre, 48 HRS. greatly bolstered the career of Nick Nolte and made comedian Eddie Murphy a bonafide box-office sensation. When a pair of reckless cop-killers break out of prison, grizzled detective Jack Cates (Nolte) is left no alternative but to spring fast-talking hustler Reggie Hammond (Murphy) from the penitentiary in order to find the criminals. The catch: the pair only have 48 hours to complete their assignment before Hammond must return to prison. Naturally, the two despise each other and even engage in fisticuffs, but eventually the danger facing them proves a strong enough common bond for them to play on the same team, and even achieve a little mutual admiration. ~ Jeremy Beday, Rovi
Best Buy Coupons
Mahalo U-30BK Painted Economy Soprano Ukulele, Black FS $25.00
Added on : Saturday April 20th 2013 03:00:04 PM
92 people give it an average of 4 1/2 stars on AmazonSome deals are inherently hot just because of the new opportunities which they offer at a very low cost. LinkSoprano Ukeleles
There are four common types of ukes out there: soprano, concert, tenor, and baritone. The soprano--or standard--was the original, and is the smallest sized uke. It provides plenty of sweetness and that instantly recognizable ukulele sound.Mahalo U-30BK Features
Maple Construction
The U-30BK features a maple body. Used with Ukeleles, maple provides a soft but pronounced tone, somewhat mellower than other tone woods.Nato Neck With Maple Fretboard/Bridge
This instrument uses nato for its neck, for added resonance paired with the maple body. The 12-fret fretboard and bridge are made from blackened maple.Geared Tuners
Mahalo's gold-pegged tuning machines provide solid tuning, so strum away confidently.Nubone Saddle
Graphtech's Nubone material is a great alternative to plastic saddles used in some ukes, delivering more volume, more tone, and more harmonics.U-30BK Ukulele Specs
Neck: Nato
Body: Maple
Fingerboard: Maple
Bridge: Maple
Tuning Pegs: Gold
Frets: Brass
Nut: ABS White
Saddle: Nubone
Strings: Clear
Scale: 346 mm Link
Amazon Coupons
http://images.iheartwags.com/ad_scans/2013/0414/wags041413.pdfad scan thx to ihwags/erica 
FARR:AllergEase Natural Herbal supplement (21 ct) WIC 268475 - $4 get $4 RRMorton Plain Epsom salt (4 lb) WIC 232905 - $4 get $4 RR (new product)3M Nexcare Blister Waterproof bandages (6 ct) WIC 155110 - $3.50 get $3.50 RR (new product)RC Ten, Dr. Pepper Ten, 7-Up Ten, Sunkist Ten, A&W Ten or Canada Dry Ten (2 L) - $1 get $1 RRchoice of one per order, can not roll RR on another soda listed)
Crest Pro-Health Rinse 500 ml $2.99 = $2 RR
Use the $1.50/1 Crest Rinse 458 mL+ coupon found in the 3/31 PG (Expires 4/30)
Or the $1/1 Crest Rinse coupon found here http://www.pgeveryday.com/
Pay as low as $1.49
Get back $2 RR
Final cost FREE + $0.51 money maker! 
Bic disposable razors Buy 1 get 1 50% off
Use the $3/1 Bic Flex4, Flex3, Comfort 3 Advance, Hybrid Advance 3 or Hybrid Advance 4 coupon found in the 4/14 SS
Use the $3/1 Bic Soleil Disposable Razor coupon found in the 4/14 SS
Use the $3/1 Bic Disposable Razor coupon found in the 3/17 SS (Exp. 4/14)
Deal Scenario:
Buy 2 Bic Silky Touch disposable razors fr Women 10 ct $3.99 (based on online price)
Minus the Buy 1 get 1 50% off sale = $5.99 for both
Use 2 $3/1 Bic Disposable Razor coupons found in the 3/17 SS (Exp. 4/14)
Final cost 2 FREE packs!Glade Plugins warmer, spray 8 oz, solid 6 oz or decor scents refill 3/$3
Use 3 $1/1 Glade Plugins Scented Oil Warmer coupons found herehttp://www.coupons.com/coupons/?pid=15493&nid=10&zid=yn07&plid=E...and here
https://www.rightathome.com/Offers/Pages/default.aspx
Final cost 3 for FREE!  
thx collin/h2s Other RR items:Crest Pro-Health or Oral-B - $2.99 get $2 RR
Crest PH Clean Mint (6 oz) toothpaste
Crest PH Clinical Mint (6 oz)
Crest PH For Life Smooth Mint (6 oz)
Crest Mouthwash (500 ML)
Oral-B Cross Action PH toothbrush
Oral-B Cross-Action regular toothbrush
Oral-B Cross Action PH For Life toothbrush
Total Protection Enamel (6 oz) & PH For Kids rinse (16.9 oz) listed at $2.99 w/o RR
Crest $1.50/1 458mL+ Rinse ets (4/30/13)
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)Listerine Cool Mint or Ultra Clean Cool Mint mouthwash (500 ML) - $3.99 get $2 RR
Total Care, Ultra Clean Artic, Fresh Burst, Zero, Gold all listed at $3.99U By Kotex Super Plus (18 ct) tampons - $3.99 get $2 RR
Super and regular listed at $3.99 likely included
Kotex $.50/1 U product excludes 14-22ct liners (5/4/13) SS 3/24/13
Loyalty Point offers:Buy $30 or more participating Walgreens Nasal strips, Saline Packets, Kettle Neti Pot kit, Wal-Fex, Sudafed, Wal-Zyr, Benadryl, Zyrtec, Tylenol or Visine get 5,000 points (monthly deal)
Zyrtec 24 HR (30 ct w/10 free) or (25 ct) Liquid Gels - $18.99 on 4/14Buy $20 or more participating Advil, Excedrin or Thermacare products get 5,000 points (monthly deal)
Advil Infant drops (.5 oz) or JR Strength (24 ct) - $5.99 and BOGO 50% on 4/14
Advil liquid Children (4 oz) - $6.99 and BOGO 50% on 4/14
Advil PM (40 ct) caps - $8.99 and BOGO 50% on 4/14
Advil (100 ct) tabs - $9.99 BOGO 50% on 4/14
Advil Liqui-Gel (80 ct) or Migraine (80 ct) - $10.99 and BOGO 50% on 4/14
Excedrin Xtra Strength (100 ct) caps - $8.99 on 4/14
$1.50 mq in Sunday 4/14 paper
Thermacare (2 ct) - $6.99 and BOGO 50% on 4/14
Thermacare Cold Joint or Muscle wrap - $8.99 and BOGO 50% on 4/14 (new product)
Thermacare $1/1 Cold Wrap 1ct or HeatWrap 2ct+ (6/22/13) RP 3/24/13
Advil $1/1 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 Children's (5/31/13) RP 3/24/13
Advil $1/1 Migraine 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 PM 16ct+ (6/22/13) RP 3/24/13
Excedrin $1.50/1 100ct+ product (4/21/13) SS 3/24/13
Excedrin $1/1 24ct+ product (4/21/13) SS 3/24/13Buy $15 or more participating Secret, Gillette, Vidal Sassoon, Olay, Pantene, Always or Tampax products get 3,000 points (monthly deal)
Always Infinity regular w/wings (18 ct) - $4.99 and BOGO 50% on 4/14
Secret Outlast w/Olay or Invisible Solid (2.6 oz) - $3.99
Tampax Pearl regular unscented (18 ct) - $5.49 and BOGO 50% on 4/14
Tampax Compak Pearl regular (20 ct) - $5.79 and BOGO 50% on 4/14
Always $1/1 pads or feminine cleansing cloth ets (4/30/13)
Always $2.50/2 Infinity or Radiant Infinity pads 12ct+ ets (4/30/13)
Tampax $.50/1 18ct+ ets (4/30/13)
Tampax $2.50/2 Pearl or Radiant including Compak and Active 16ct+ or Pearl Liners ets (4/30/13)
Secret $2/1 Clinical, Scent Expressions or Outlast twin pack excludes .5oz ets (4/30/13)Aleve arthritis tabs (200 ct) - $14.99 get 1,000 pointsAllegra 24 HR tabs (30 w/7 free) - $17.99 Buy 2 get 5,000 points (monthly deal)
$7 mq in Sunday 4/14 paperAllegra 12 HR Child suspension (4 oz) - $9.99 Buy 2 get 3,000 points (monthly deal)
$2 mq in Sunday paperAlmay cosmetics Buy $15 participating get 4,000 points (monthly deal)
Make Up remover towelettes (25 ct) - $5.49 and BOGO 50% on 4/14
Eye makeup remover pads (80 ct) or liquid (4 oz) - $5.99 and BOGO 50% on 4/14
Propel/Repel pencil - $7.49 and BOGO 50% on 4/14
Intense I-color trio - $7.49 and BOGO 50%
Liquid eye liner (.1 oz) - $7.99 and BOGO 50% on 4/14Ban deodorant - $1.99 on 4/14 Buy 3 get 1,000 points (monthly deal)Bayer aspirin Buy 1 get 1,000 points
81 mg (200 ct) - $7.99 ($3 off)
Advanced aspirin E/S tabs (80 ct) - $8.49 ($3 off)
325 mg (200 ct) - $8.99 ($3 off)
81 mg (300 ct) - $12.99 ($3 off)Biore, John Freida hair care or hair colour, Jergens or Curel products Buy 2 get 3,000 points (monthly deal)
Biore Deep cleansing pore nose strips (8 ct) or combo (14 ct) - $5.99 on 4/14
Biore 4in1 cleanser (6.7 oz) - $5.99 on 4/14
Curel lotion original or Ultra Healing (13 oz) - $5.99 on 4/14
Jergens cream Coconut Milk (8 oz) - $5.99 on 4/14Boost products Buy $20 get 2,000 points items BOGO 50%Cerave products Buy 2 get 1,000 points items BOGO 50%Claritin Buy 2 get 5,000 points (monthly deal)
Claritin Pediatric Reditabs (10 ct) - $9.99 on 4/14
$2 mq in Sunday 4/14 paper
Claritin 10 mg (30 w/10 free) or 10 mg Liquigel (24 w/6 free) - $18.99 on 4/14
$7 mq in Sunday 4/14 paperClear Scalp+hair oil (3.3 oz) - $4.99 get 1,000 pointsClorox liquid bleach (30 oz) - $1.69 get 250 pointsClorox, Formula 409 or Pine-Sol 2/$6 Buy 2 get 1,000 points
Clorox Clean Up w/bleach (32 oz)
Clorox Bath cleaner (30 oz)
Formula 409 cleaner (32 oz)
Pine-Sol All Purpose cleaner (40 oz) Colgate products- $3.49 Buy 2 get 2,000 points
Total Advance Sensitive (5.8 oz)
Sensitive Pro 360 toothbrush
Optic White or 360 Optic White toothbrushCover Girl Buy 2 participating nail and eye cosmetics get 1,500 or Buy 3 get 3,000 points (monthly deal)
Eye Enhance shadow (.19 oz) - $5.99 and BOGO 50% on 4/14
Nail Outlast (.37 oz) - $5.99 and BOGO 50% on 4/14
Perf. PT pencil - $6.49 and BOGO 50% on 4/14
Clean Oil control LMU (1 oz) - $7.99 and BOGO 50% on 4/14
Clump Crusher mascara - $8.99 and BOGO 50% on 4/14
$3/2 mq off any GC in Sunday paperCover Girl and Olay Simply Ageless cosmetics $9.99 - $15.99 - Buy 1 get 2,000 or Buy 2 get 6,000 points items BOGO 50% on 4/14 (monthly deal)
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Crest or Oral-B products Buy $10 get 3,000 points (monthly deal)
Crest 3D White Adv Vivid Enamel (4.1 oz) - $3.99 on 4/14
Crest 3D White Artic Fresh or Vivid Radiant (5.8 oz) - $3.99 on 4/14
Crest 3D White Arctic Fresh rinse (473 ML) - $3.99 on 4/14
Oral-B 3D White Pro Flex toothbrush - $3.99 on 4/14
Oral-B Advantage 3D White Vivid toothbrush - $3.99
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)
Oral-B $1/1 Glide floss 35m+ or Glide floss picks 30ct+ ets (4/30/13)
Oral-B $1/1 Pulsar, 3D White, Pro-Health or Complete toothbrush or 2 Indicator or Cavity Defense toothbrushes ets (4/30/13)
Oral-B $3/1 adult battery toothbrush or #D White action rechargeable toothbrush ets (4/30/13)Dentyne Pure Mint (9 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Finest Nutrition products Buy 2 get 2,000 points
Papaya & Enzyme tabs (100 ct) or Iron 28 mg (100 ct) 2/$6.99ICaps products Buy 2 get 1,000 points items BOGO 50%Johnson & Johnson first aid kit, adhesive pads, Band-Aid, Benadryl, Neosporin or Neutrogena Sun Care products buy 2 get 3,000 points (excludes trail sizes and twin packs) (monthly deal)
Band-Aid (10 80) select - $2.99 on 4/7
Benadryl cream (1 oz) - $3.99 on 4/7
Neutrogena Sun Care products items BOGO 50% on 3/31, $3 off on 4/7 & $8.99 on 4/14
Neosporin ointment or cream (.5 oz) or To Go Spray (.26 oz) - $3.99 on 4/7
Neutrogena $1/1 hair, hand, body or men's product (4/27/13) SS 2/24/13
Neutrogena $5/2 hair, hand, body or men's products (4/27/13) SS 2/24/13Kiss or Broadway products Buy 2 participating get 1,000 points
Kiss nail glue - $2.59 and BOGO 50%
Nail artist stickers - $2.99 and BOGO 50%
Kiss 24HR eyelash adhesive - $3.99 and BOGO 50%
Premium lashes - $4.29 and BOGO 50%
Kiss variety pack art kit - $4.99 and BOGO 50%
Kiss nail art kit (3.7 oz) - $6.99 and BOGO 50%
Kiss Pro Lash starter kit - $5.99 and BOGO 50%
Kiss Pro lash - $6.99 and BOGO 50%
Kiss acrylic fill kit - $7.49 and BOGO 50%
Kiss Let Go & Glow top coat trio - $7.79 and BOGO 50%Kraft Mac & Cheese - $.79 Buy 2 get 500 pointsLOreal cosmetics, skin care or Sublime products Buy $30 get 3,000 points 4/20 SaturDate (monthly deal)
W/I S/S eye shadow - $5.49 and BOGO 50% on 4/14 4/20 SaturDate
Color Riche or Trend Setter nail (.39 oz) - $5.99 and BOGO 50% on 4/14 4/20 SaturDate
360 Deep Cleanser (6 oz) - $6.29 and BOGO 50% on 4/14 4/20 SaturDate
HydraFresh toner (8.5 oz) or Advance Revit cleansing towelette (30 ct) - $7.29 and BOGO 50% on 4/14 4/20 SaturDate
Eye makeup remover (4 oz) - $7.49 and BOGO 50% on 4/14 4/20 SaturDate
Volume mascara (.23 oz0 - $7.99 and BOGO 50% on 4/14 4/20 SaturDate
Shocking mascara (.29 oz) - $9.99 and BOGO 50% on 4/14 4/20 SaturDate
$2 face product mq
Sublime items - $11.79 and BOGO 50% on 4/14 4/20 SaturDate
Age Perfect BB cream SPF20 (2.5 oz) - $16.99 and BOGO 50% on 4/14
Revitalift X3 serum (1 oz) - $24.99 and BOGO 50% on 4/14
Youth Code items - $24.99 and BOGO 50% on 4/14 4/20 SaturDate
L'Oreal $1/1 Paris eye product (5/18/13) RP 3/24/13
L'Oreal $1/1 Paris skincare products (5/11/13) RP 3/17/13
L'Oreal $2/1 Paris cosmetic face product excludes Magic Perfecting Base .17floz mini size (4/27/13) RP 3/3/13
L'Oreal $3/1 Paris Youth Code Serum Intense, Day/Night Cream and SPF 30 Day Lotion (5/11/13) RP 3/17/13
L'Oreal $3/1 Telescopic Shocking Extensions Mascara (5/18/13) RP 3/24/13
L'Oreal $3/2 Paris skincare products (5/11/13) RP 3/17/13Mucinex, Delsym or Cepacol products Buy 2 get 3,000 points (monthly deal)
Mucinex 600 MG ER tabs (20 ct) or Max Strength tabs (14 ct) - $10.99 on 4/14Natures Bounty twin pack products Buy 2 get 5,000 pointsNature Made products Buy 2 get 2,000 points items BOGO 50%Nice peanut butter - $2.29 or honey - - Buy 2 get 250 pointsNivea Buy $10 participating products get 2,000 or Buy $20 get 5,000 points (monthly deal)
Skin Firm w/Q10 lotion (13.5 oz) - $11.49 and BOGO 50% on 4/14
Good Bye Cellulite gel (6.7 oz) - $13.99 and BOGO 50% on 4/14
Body G/B cell 10day serum (2.5 oz) - $15.49 and BOGO 50% on 4/14Nexxus products - $10.99 - $16.99 Buy 2 get 2,000 points and BOGO 50%Nice cheese products Buy 2 get 250 points
American singles (12 oz) 2/$4Oscar Mayer bacon 2/$7 Buy 2 get 500 pointsOne A Day products $6.99 - Buy 2 get 1,000 points
VitaCrave Gummies (50 ct)
Mens Pro Edge (50 ct)
Womens or Mens formula (100 ct)
Teen Adv. Tabs (80 ct)Osteo Bi-Flex Buy $30 get 5,000 points items BOGO 50%
Osteo Bi-Flex $3/1 30-60ct (4/17/13) RP 3/3/13
Osteo Bi-Flex $5/1 70ct+ (4/17/13) RP 3/3/13Pantene Expert Series hair care products Buy 2 get 1,000 points
Pantene $3/2 products ets (4/30/13)Pedigree or Cesar pet products Buy $20 get 4,000 points (monthly deal)
Pedigree dog food (13.5 oz) - $10 on 4/14
Pedigree dry dog food 3.5 pounds+ $1 (04/27/13) RP 3/3/13Trident gum (18 ct) or Layers (14 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Wal-itin or Wal-Zyr Buy 2 get 5,000 points (monthly deal)
Wal-Zyr 24 HR (60 ct) - $20.99 and BOGO 50%Walgreens Lansoprazole 15 mg (42 ct) caps - $18.99 get 3,000 points
Walgreens Omeprazole 20mg (42 ct) - $18.99 get 3,000 points
Walgreens Probiotic 4X (42 ct) caps - $18.99 get 3,000 points
Walgreens Smooth laxative 50 day (29.9 oz) - $18.99 get 3,000 pointsOther sale items:Aquafresh Extreme Clean Whitening (5.6 oz) - $2.99
$1 mq in Sunday 4/7 paper
$1 IVC in April bookArrid or Arm & Hammer A/P - $.99Arm & Hammer liquid 2X (50 oz) 2/$6
$1/2 mq in Sunday 4/14 paperAxe deodorant or body spray or Old Spice deodorant (2.6 or 4 oz) - $3.99
Axe $1/1 4oz bodyspray, 2.7oz antiperspirant and deodorant or 3oz deodorant ets (4/21/13) RP 3/24/13BIC razors BOGO 50%
Comfort Twin 2/$3
Twin Select (10 ct) - $3.99
Comfort3 Men (4 ct) - $4.49
Classic shaver (12 ct) - $4.59
Soleil (4 ct) - $6.49
Soleil Bella 4 blade (3 ct) - $7.49
Hybrid shaver system, Flex3 or Flex4 - $7.49
Soleil shaver & trimer (4 ct) - $7.99
$3 mq in Sunday 4/14 paperBubble toys BOGO 50%Centrum & Caltrate - $4 offCoke (12 pk) or Dasani (24 pk) 3/$10Comet cleanser (14 oz) - $.59Conair bobby pins BOGO at $1.59- more expensive hair accessories includedCoppertone or Bain/Sol - $7.99Cover Girl full line BOGO 50%
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Dawn (9 oz) - $.99
Dawn $.25/1 ets (4/30/13)
Dawn $.50/1 Hand Renewal, Power Clean, Bleach Alternative or Oxi ets (4/30/13)Dentyne (16 ct) - $.99Dove body wash or soap BOGO 50%
Dove $1/1 12oz+ body wash excluding Men+Care and trial (4/21/13) RP 3/24/13Glade aerosol (8 oz), Dcr refill (.28 oz)? or solid (6 oz) 3/$3Hefty Cinchsak - $5.99
$1/2 mq in Sunday 4/14 paperICaps Buy 2 get 1,000 points items BOGO 50%Jimmy Dean (2 ct) biscuit or Breakfast Bowl - $1.99Kelloggs cereal or Eggo waffles - $1.99Kleenex tissue (70,100) - $.99Maxwell House instant coffee or decaf (8 oz) - $3.99
3/17 SS $1 one Maxwell House product (4/13/13)Maybelline BOGO 50%Nestle Nips - $.89Nice thin mints (5 oz) or peanut brittle - $.89Nice wax paper, facial tissue, aluminum foil - $.99Nice designer paper plates 2/$3Nice (8 oz) nuts or (12 oz) trail mix - $1.99Nivea lip Kiss (.17 oz) - $1.99
$1 mq in Sunday 4/14 paperNivea body wash (16.9 oz) 2/$7
$3/2 mq in Sunday 4/14 paperOlay skin care 20% offPepsi, Mountain Dew, Sierra Mist (12 pk) 3/$10RC Ten, 7-Up Ten, A&W Ten, Sunkist Ten, Dr. Pepper Ten or Canada Dry Ten (12 oz) 12 pk - $2.99
$1 IVC in April bookRevlon BOGO 50% off all face and eye products
$2 mq in Sunday 4/14 paperRussell Stover BOGO
Sugar Free items (3 oz) 2/$2.19
Chocolate assorted (12 oz) 2/$8.99SoftSoap pump (7.5 oz) BOGO at $2.59 or refill (56 oz) BOGO at $7.99SoftSoap or Irish Spring body wash or Irish Spring (6 bar) soap - $2.99
$1 mq in Sunday 4/14 paper for both productsW Premium diapers 2/$13.48W baby wipes (64 ct) 2/$3.43Walgreens 325 mg tabs (100 ct) - $1.29 and BOGO 50% - various aspirin included in BOGO 50%Walgreens antacid or X/S antacid (96 150 ct) BOGO at $3.99Vicks Dayquil or Nyquil (12 oz) or (24 ct) - $6.99Fillers:Arizona tea 2/$1Hersheys bars - $.59Super Bubbles (8 oz) - $.79 and BOGO 50%
--------------------------------------------------------------------------------
thnx reg036 & pwcpal; sd
http://www.amazon.com/Brains-They-Press-Science-ebook/dp/B0030TY...For 50 years, the worlds most brilliant neuroscientists have struggled to understand how human brains really work. Today, says Dale Purves, the dominant research agenda may have taken us as far as it can--and neuroscientists may be approaching a paradigm shift.

In this highly personal book, Purves reveals how we got to this point and offers his notion of where neuroscience may be headed next. Purves guides you through a half-century of the most influential ideas in neuroscience and introduces the extraordinary scientists and physicians who created and tested them.

Purves offers a critical assessment of the paths that neuroscience research has taken, their successes and their limitations, and then introduces an alternative approach for thinking about brains. Building on new research on visual perception, he shows why common ideas about brain networks cant be right and uncovers the factors that determine our subjective experience. The resulting insights offer a deeper understanding of what it means to be human.
Amazon Coupons
drugstore.com is taking an additional $10 off orders $40 or more of Household cleaning and paper products... Stack that with the $5 off $30 / $10 off $50 "new" customer offer to get $40 worth of products for $25 (or $50 for $30)!Even better! Some of the products have coupons on them making this even hotter![Additional $15 or $20 off shows @ checkout. Alternatively, enter zip-code in cart and click "get estimate" to see discount in cart (just below subtotal).]Promotion applies to the following Participating brands: Bounce, Bounty, Cascade, Cheer, Dawn, Era, Downy, Febreze, Gain, Mr. Clean, Puffs, Swash, Tide, Charmin, Dreft, Joy, Swiffer.A great deal is the "Swiffer Sweeper Vac, Starter Kit" which is on sale for $36 with a $5 coupon! Adding a Gain Dryer Bar (for $4.87 [$2.37 AC]) to throw me over $40, and my total is:
$35.99 + $4.87 = $40.86.
- $5 (Swiffer coupon)
- $1.00 (Gain coupon)
- $1.50 (Gain coupon)
- $5 ($5 off $30)
- $10 ($10 off $40)
= $18.36 + Free Shipping!Or get the Swiffer Sweeper Vac, Starter Kit + the Swiffer WetJet, Starter Kit for $27.98 shipped!Many other great deals and combinations! USE THE QS!~~~~~~~~~~~~~~~~~~~~~~~~
Links:
1) No link needed for the $10 off $40... Promo is automatically applied to cart with $40 of eligible products.2- FW affiliate link for $5 off $30 / $10 off $50.3- Swiffer Sweeper Vac, Starter Kit.4- Link to $1 Gain coupon. Scroll towards end, and click on the $4.87 Gain Dryer Bar, then click additional $1.50 coupon and add to cart.~~~~~~~~~~~~~~~~~~~~~
important note!!!If you're going for the $50 for $30, note that the last $10 of products does not have to specifically be "household cleaning and paper products". Might want to consider adding a few "profitable" fillers...
I posted some links Links to a few profitable fillers here
drugstore.com Coupons
drugstore.com is taking an additional $10 off orders $40 or more of Household cleaning and paper products... Stack that with the $5 off $30 / $10 off $50 "new" customer offer to get $40 worth of products for $25 (or $50 for $30)!Even better! Some of the products have coupons on them making this even hotter![Additional $15 or $20 off shows @ checkout. Alternatively, enter zip-code in cart and click "get estimate" to see discount in cart (just below subtotal).]Promotion applies to the following Participating brands: Bounce, Bounty, Cascade, Cheer, Dawn, Era, Downy, Febreze, Gain, Mr. Clean, Puffs, Swash, Tide, Charmin, Dreft, Joy, Swiffer.A great deal is the "Swiffer Sweeper Vac, Starter Kit" which is on sale for $36 with a $5 coupon! Adding a Gain Dryer Bar (for $4.87 [$3.37 AC]) to throw me over $40, and my total is:
$35.99 + $4.87 = $40.86.
- $5 (coupon)
- $1.50 (coupon)
- $5 ($5 off $30)
- $10 ($10 off $40)
= $19.36!Or get the Swiffer Sweeper Vac, Starter Kit + the Swiffer WetJet, Starter Kit for $27.98 shipped!Many other great deals and combinations! USE THE QS!~~~~~~~~~~~~~~~~~~~~~~~~
Links:
1) No link needed for the $10 off $40... Promo is automatically applied to cart with $40 of eligible products.2- FW affiliate link for $5 off $30 / $10 off $50.3- Swiffer Sweeper Vac, Starter Kit.~~~~~~~~~~~~~~~~~~~~~
important note!!!If you're going for the $50 for $30, note that the last $10 of products does not have to specifically be "household cleaning and paper products". Might want to consider adding a few "profitable" fillers...
I posted some links Links to a few profitable fillers here
Available again!Philips Sonicare Essence Sonic Toothbrush with Bonus Brushhead, Model HX5610/09$35 + Free Shipping.
~~~~~~~~~~~~~~~~~~~~~~~~1- Click the FW affiliate link for $5 off $30 / $10 off $50.2- Click here and add to cart.3- Checkout with Free Standard Shipping (or Free 2-day Shipping with Shoprunner).[$5 off shows @ checkout. Alternatively, enter zip-code in cart and click "get estimate" to see discount in cart (just below subtotal).]~~~~~~~~~~~~~~~~~~~~~
important note!!!If you add another $10.01 worth of merchandise, you'll get another $5 off... So, might want to consider adding a few "profitable" fillers, to make your total price LOWER! Adding 2 CoverGirl items, AND an Olay bar AND a Gillette Venus Razor, will actually bring your total down to $34.45 (from $34.99).I posted some links Links to a few profitable fillers here
drugstore.com Coupons
http://images.iheartwags.com/ad_scans/2013/0414/wags041413.pdfad scan thx to ihwags/erica 
FARR:AllergEase Natural Herbal supplement (21 ct) WIC 268475 - $4 get $4 RRMorton Plain Epsom salt (4 lb) WIC 232905 - $4 get $4 RR (new product)3M Nexcare Blister Waterproof bandages (6 ct) WIC 155110 - $3.50 get $3.50 RR (new product)RC Ten, Dr. Pepper Ten, 7-Up Ten, Sunkist Ten, A&W Ten or Canada Dry Ten (2 L) - $1 get $1 RRchoice of one per order, can not roll RR on another soda listed)
Crest Pro-Health Rinse 500 ml $2.99 = $2 RR
Use the $1.50/1 Crest Rinse 458 mL+ coupon found in the 3/31 PG (Expires 4/30)
Or the $1/1 Crest Rinse coupon found here http://www.pgeveryday.com/
Pay as low as $1.49
Get back $2 RR
Final cost FREE + $0.51 money maker! 
Bic disposable razors Buy 1 get 1 50% off
Use the $3/1 Bic Flex4, Flex3, Comfort 3 Advance, Hybrid Advance 3 or Hybrid Advance 4 coupon found in the 4/14 SS
Use the $3/1 Bic Soleil Disposable Razor coupon found in the 4/14 SS
Use the $3/1 Bic Disposable Razor coupon found in the 3/17 SS (Exp. 4/14)
Deal Scenario:
Buy 2 Bic Silky Touch disposable razors fr Women 10 ct $3.99 (based on online price)
Minus the Buy 1 get 1 50% off sale = $5.99 for both
Use 2 $3/1 Bic Disposable Razor coupons found in the 3/17 SS (Exp. 4/14)
Final cost 2 FREE packs!Glade Plugins warmer, spray 8 oz, solid 6 oz or decor scents refill 3/$3
Use 3 $1/1 Glade Plugins Scented Oil Warmer coupons found herehttp://www.coupons.com/coupons/?pid=15493&nid=10&zid=yn07&plid=E...and here
https://www.rightathome.com/Offers/Pages/default.aspx
Final cost 3 for FREE!  
thx collin/h2s Other RR items:Crest Pro-Health or Oral-B - $2.99 get $2 RR
Crest PH Clean Mint (6 oz) toothpaste
Crest PH Clinical Mint (6 oz)
Crest PH For Life Smooth Mint (6 oz)
Crest Mouthwash (500 ML)
Oral-B Cross Action PH toothbrush
Oral-B Cross-Action regular toothbrush
Oral-B Cross Action PH For Life toothbrush
Total Protection Enamel (6 oz) & PH For Kids rinse (16.9 oz) listed at $2.99 w/o RR
Crest $1.50/1 458mL+ Rinse ets (4/30/13)
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)Listerine Cool Mint or Ultra Clean Cool Mint mouthwash (500 ML) - $3.99 get $2 RR
Total Care, Ultra Clean Artic, Fresh Burst, Zero, Gold all listed at $3.99U By Kotex Super Plus (18 ct) tampons - $3.99 get $2 RR
Super and regular listed at $3.99 likely included
Kotex $.50/1 U product excludes 14-22ct liners (5/4/13) SS 3/24/13
Loyalty Point offers:Buy $30 or more participating Walgreens Nasal strips, Saline Packets, Kettle Neti Pot kit, Wal-Fex, Sudafed, Wal-Zyr, Benadryl, Zyrtec, Tylenol or Visine get 5,000 points (monthly deal)
Zyrtec 24 HR (30 ct w/10 free) or (25 ct) Liquid Gels - $18.99 on 4/14Buy $20 or more participating Advil, Excedrin or Thermacare products get 5,000 points (monthly deal)
Advil Infant drops (.5 oz) or JR Strength (24 ct) - $5.99 and BOGO 50% on 4/14
Advil liquid Children (4 oz) - $6.99 and BOGO 50% on 4/14
Advil PM (40 ct) caps - $8.99 and BOGO 50% on 4/14
Advil (100 ct) tabs - $9.99 BOGO 50% on 4/14
Advil Liqui-Gel (80 ct) or Migraine (80 ct) - $10.99 and BOGO 50% on 4/14
Excedrin Xtra Strength (100 ct) caps - $8.99 on 4/14
$1.50 mq in Sunday 4/14 paper
Thermacare (2 ct) - $6.99 and BOGO 50% on 4/14
Thermacare Cold Joint or Muscle wrap - $8.99 and BOGO 50% on 4/14 (new product)
Thermacare $1/1 Cold Wrap 1ct or HeatWrap 2ct+ (6/22/13) RP 3/24/13
Advil $1/1 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 Children's (5/31/13) RP 3/24/13
Advil $1/1 Migraine 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 PM 16ct+ (6/22/13) RP 3/24/13
Excedrin $1.50/1 100ct+ product (4/21/13) SS 3/24/13
Excedrin $1/1 24ct+ product (4/21/13) SS 3/24/13Buy $15 or more participating Secret, Gillette, Vidal Sassoon, Olay, Pantene, Always or Tampax products get 3,000 points (monthly deal)
Always Infinity regular w/wings (18 ct) - $4.99 and BOGO 50% on 4/14
Secret Outlast w/Olay or Invisible Solid (2.6 oz) - $3.99
Tampax Pearl regular unscented (18 ct) - $5.49 and BOGO 50% on 4/14
Tampax Compak Pearl regular (20 ct) - $5.79 and BOGO 50% on 4/14
Always $1/1 pads or feminine cleansing cloth ets (4/30/13)
Always $2.50/2 Infinity or Radiant Infinity pads 12ct+ ets (4/30/13)
Tampax $.50/1 18ct+ ets (4/30/13)
Tampax $2.50/2 Pearl or Radiant including Compak and Active 16ct+ or Pearl Liners ets (4/30/13)
Secret $2/1 Clinical, Scent Expressions or Outlast twin pack excludes .5oz ets (4/30/13)Aleve arthritis tabs (200 ct) - $14.99 get 1,000 pointsAllegra 24 HR tabs (30 w/7 free) - $17.99 Buy 2 get 5,000 points (monthly deal)
$7 mq in Sunday 4/14 paperAllegra 12 HR Child suspension (4 oz) - $9.99 Buy 2 get 3,000 points (monthly deal)
$2 mq in Sunday paperAlmay cosmetics Buy $15 participating get 4,000 points (monthly deal)
Make Up remover towelettes (25 ct) - $5.49 and BOGO 50% on 4/14
Eye makeup remover pads (80 ct) or liquid (4 oz) - $5.99 and BOGO 50% on 4/14
Propel/Repel pencil - $7.49 and BOGO 50% on 4/14
Intense I-color trio - $7.49 and BOGO 50%
Liquid eye liner (.1 oz) - $7.99 and BOGO 50% on 4/14Ban deodorant - $1.99 on 4/14 Buy 3 get 1,000 points (monthly deal)Bayer aspirin Buy 1 get 1,000 points
81 mg (200 ct) - $7.99 ($3 off)
Advanced aspirin E/S tabs (80 ct) - $8.49 ($3 off)
325 mg (200 ct) - $8.99 ($3 off)
81 mg (300 ct) - $12.99 ($3 off)Biore, John Freida hair care or hair colour, Jergens or Curel products Buy 2 get 3,000 points (monthly deal)
Biore Deep cleansing pore nose strips (8 ct) or combo (14 ct) - $5.99 on 4/14
Biore 4in1 cleanser (6.7 oz) - $5.99 on 4/14
Curel lotion original or Ultra Healing (13 oz) - $5.99 on 4/14
Jergens cream Coconut Milk (8 oz) - $5.99 on 4/14Boost products Buy $20 get 2,000 points items BOGO 50%Cerave products Buy 2 get 1,000 points items BOGO 50%Claritin Buy 2 get 5,000 points (monthly deal)
Claritin Pediatric Reditabs (10 ct) - $9.99 on 4/14
$2 mq in Sunday 4/14 paper
Claritin 10 mg (30 w/10 free) or 10 mg Liquigel (24 w/6 free) - $18.99 on 4/14
$7 mq in Sunday 4/14 paperClear Scalp+hair oil (3.3 oz) - $4.99 get 1,000 pointsClorox liquid bleach (30 oz) - $1.69 get 250 pointsClorox, Formula 409 or Pine-Sol 2/$6 Buy 2 get 1,000 points
Clorox Clean Up w/bleach (32 oz)
Clorox Bath cleaner (30 oz)
Formula 409 cleaner (32 oz)
Pine-Sol All Purpose cleaner (40 oz) Colgate products- $3.49 Buy 2 get 2,000 points
Total Advance Sensitive (5.8 oz)
Sensitive Pro 360 toothbrush
Optic White or 360 Optic White toothbrushCover Girl Buy 2 participating nail and eye cosmetics get 1,500 or Buy 3 get 3,000 points (monthly deal)
Eye Enhance shadow (.19 oz) - $5.99 and BOGO 50% on 4/14
Nail Outlast (.37 oz) - $5.99 and BOGO 50% on 4/14
Perf. PT pencil - $6.49 and BOGO 50% on 4/14
Clean Oil control LMU (1 oz) - $7.99 and BOGO 50% on 4/14
Clump Crusher mascara - $8.99 and BOGO 50% on 4/14
$3/2 mq off any GC in Sunday paperCover Girl and Olay Simply Ageless cosmetics $9.99 - $15.99 - Buy 1 get 2,000 or Buy 2 get 6,000 points items BOGO 50% on 4/14 (monthly deal)
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Crest or Oral-B products Buy $10 get 3,000 points (monthly deal)
Crest 3D White Adv Vivid Enamel (4.1 oz) - $3.99 on 4/14
Crest 3D White Artic Fresh or Vivid Radiant (5.8 oz) - $3.99 on 4/14
Crest 3D White Arctic Fresh rinse (473 ML) - $3.99 on 4/14
Oral-B 3D White Pro Flex toothbrush - $3.99 on 4/14
Oral-B Advantage 3D White Vivid toothbrush - $3.99
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)
Oral-B $1/1 Glide floss 35m+ or Glide floss picks 30ct+ ets (4/30/13)
Oral-B $1/1 Pulsar, 3D White, Pro-Health or Complete toothbrush or 2 Indicator or Cavity Defense toothbrushes ets (4/30/13)
Oral-B $3/1 adult battery toothbrush or #D White action rechargeable toothbrush ets (4/30/13)Dentyne Pure Mint (9 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Finest Nutrition products Buy 2 get 2,000 points
Papaya & Enzyme tabs (100 ct) or Iron 28 mg (100 ct) 2/$6.99ICaps products Buy 2 get 1,000 points items BOGO 50%Johnson & Johnson first aid kit, adhesive pads, Band-Aid, Benadryl, Neosporin or Neutrogena Sun Care products buy 2 get 3,000 points (excludes trail sizes and twin packs) (monthly deal)
Band-Aid (10 80) select - $2.99 on 4/7
Benadryl cream (1 oz) - $3.99 on 4/7
Neutrogena Sun Care products items BOGO 50% on 3/31, $3 off on 4/7 & $8.99 on 4/14
Neosporin ointment or cream (.5 oz) or To Go Spray (.26 oz) - $3.99 on 4/7
Neutrogena $1/1 hair, hand, body or men's product (4/27/13) SS 2/24/13
Neutrogena $5/2 hair, hand, body or men's products (4/27/13) SS 2/24/13Kiss or Broadway products Buy 2 participating get 1,000 points
Kiss nail glue - $2.59 and BOGO 50%
Nail artist stickers - $2.99 and BOGO 50%
Kiss 24HR eyelash adhesive - $3.99 and BOGO 50%
Premium lashes - $4.29 and BOGO 50%
Kiss variety pack art kit - $4.99 and BOGO 50%
Kiss nail art kit (3.7 oz) - $6.99 and BOGO 50%
Kiss Pro Lash starter kit - $5.99 and BOGO 50%
Kiss Pro lash - $6.99 and BOGO 50%
Kiss acrylic fill kit - $7.49 and BOGO 50%
Kiss Let Go & Glow top coat trio - $7.79 and BOGO 50%Kraft Mac & Cheese - $.79 Buy 2 get 500 pointsLOreal cosmetics, skin care or Sublime products Buy $30 get 3,000 points 4/20 SaturDate (monthly deal)
W/I S/S eye shadow - $5.49 and BOGO 50% on 4/14 4/20 SaturDate
Color Riche or Trend Setter nail (.39 oz) - $5.99 and BOGO 50% on 4/14 4/20 SaturDate
360 Deep Cleanser (6 oz) - $6.29 and BOGO 50% on 4/14 4/20 SaturDate
HydraFresh toner (8.5 oz) or Advance Revit cleansing towelette (30 ct) - $7.29 and BOGO 50% on 4/14 4/20 SaturDate
Eye makeup remover (4 oz) - $7.49 and BOGO 50% on 4/14 4/20 SaturDate
Volume mascara (.23 oz0 - $7.99 and BOGO 50% on 4/14 4/20 SaturDate
Shocking mascara (.29 oz) - $9.99 and BOGO 50% on 4/14 4/20 SaturDate
$2 face product mq
Sublime items - $11.79 and BOGO 50% on 4/14 4/20 SaturDate
Age Perfect BB cream SPF20 (2.5 oz) - $16.99 and BOGO 50% on 4/14
Revitalift X3 serum (1 oz) - $24.99 and BOGO 50% on 4/14
Youth Code items - $24.99 and BOGO 50% on 4/14 4/20 SaturDate
L'Oreal $1/1 Paris eye product (5/18/13) RP 3/24/13
L'Oreal $1/1 Paris skincare products (5/11/13) RP 3/17/13
L'Oreal $2/1 Paris cosmetic face product excludes Magic Perfecting Base .17floz mini size (4/27/13) RP 3/3/13
L'Oreal $3/1 Paris Youth Code Serum Intense, Day/Night Cream and SPF 30 Day Lotion (5/11/13) RP 3/17/13
L'Oreal $3/1 Telescopic Shocking Extensions Mascara (5/18/13) RP 3/24/13
L'Oreal $3/2 Paris skincare products (5/11/13) RP 3/17/13Mucinex, Delsym or Cepacol products Buy 2 get 3,000 points (monthly deal)
Mucinex 600 MG ER tabs (20 ct) or Max Strength tabs (14 ct) - $10.99 on 4/14Natures Bounty twin pack products Buy 2 get 5,000 pointsNature Made products Buy 2 get 2,000 points items BOGO 50%Nice peanut butter - $2.29 or honey - - Buy 2 get 250 pointsNivea Buy $10 participating products get 2,000 or Buy $20 get 5,000 points (monthly deal)
Skin Firm w/Q10 lotion (13.5 oz) - $11.49 and BOGO 50% on 4/14
Good Bye Cellulite gel (6.7 oz) - $13.99 and BOGO 50% on 4/14
Body G/B cell 10day serum (2.5 oz) - $15.49 and BOGO 50% on 4/14Nexxus products - $10.99 - $16.99 Buy 2 get 2,000 points and BOGO 50%Nice cheese products Buy 2 get 250 points
American singles (12 oz) 2/$4Oscar Mayer bacon 2/$7 Buy 2 get 500 pointsOne A Day products $6.99 - Buy 2 get 1,000 points
VitaCrave Gummies (50 ct)
Mens Pro Edge (50 ct)
Womens or Mens formula (100 ct)
Teen Adv. Tabs (80 ct)Osteo Bi-Flex Buy $30 get 5,000 points items BOGO 50%
Osteo Bi-Flex $3/1 30-60ct (4/17/13) RP 3/3/13
Osteo Bi-Flex $5/1 70ct+ (4/17/13) RP 3/3/13Pantene Expert Series hair care products Buy 2 get 1,000 points
Pantene $3/2 products ets (4/30/13)Pedigree or Cesar pet products Buy $20 get 4,000 points (monthly deal)
Pedigree dog food (13.5 oz) - $10 on 4/14
Pedigree dry dog food 3.5 pounds+ $1 (04/27/13) RP 3/3/13Trident gum (18 ct) or Layers (14 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Wal-itin or Wal-Zyr Buy 2 get 5,000 points (monthly deal)
Wal-Zyr 24 HR (60 ct) - $20.99 and BOGO 50%Walgreens Lansoprazole 15 mg (42 ct) caps - $18.99 get 3,000 points
Walgreens Omeprazole 20mg (42 ct) - $18.99 get 3,000 points
Walgreens Probiotic 4X (42 ct) caps - $18.99 get 3,000 points
Walgreens Smooth laxative 50 day (29.9 oz) - $18.99 get 3,000 pointsOther sale items:Aquafresh Extreme Clean Whitening (5.6 oz) - $2.99
$1 mq in Sunday 4/7 paper
$1 IVC in April bookArrid or Arm & Hammer A/P - $.99Arm & Hammer liquid 2X (50 oz) 2/$6
$1/2 mq in Sunday 4/14 paperAxe deodorant or body spray or Old Spice deodorant (2.6 or 4 oz) - $3.99
Axe $1/1 4oz bodyspray, 2.7oz antiperspirant and deodorant or 3oz deodorant ets (4/21/13) RP 3/24/13BIC razors BOGO 50%
Comfort Twin 2/$3
Twin Select (10 ct) - $3.99
Comfort3 Men (4 ct) - $4.49
Classic shaver (12 ct) - $4.59
Soleil (4 ct) - $6.49
Soleil Bella 4 blade (3 ct) - $7.49
Hybrid shaver system, Flex3 or Flex4 - $7.49
Soleil shaver & trimer (4 ct) - $7.99
$3 mq in Sunday 4/14 paperBubble toys BOGO 50%Centrum & Caltrate - $4 offCoke (12 pk) or Dasani (24 pk) 3/$10Comet cleanser (14 oz) - $.59Conair bobby pins BOGO at $1.59- more expensive hair accessories includedCoppertone or Bain/Sol - $7.99Cover Girl full line BOGO 50%
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Dawn (9 oz) - $.99
Dawn $.25/1 ets (4/30/13)
Dawn $.50/1 Hand Renewal, Power Clean, Bleach Alternative or Oxi ets (4/30/13)Dentyne (16 ct) - $.99Dove body wash or soap BOGO 50%
Dove $1/1 12oz+ body wash excluding Men+Care and trial (4/21/13) RP 3/24/13Glade aerosol (8 oz), Dcr refill (.28 oz)? or solid (6 oz) 3/$3Hefty Cinchsak - $5.99
$1/2 mq in Sunday 4/14 paperICaps Buy 2 get 1,000 points items BOGO 50%Jimmy Dean (2 ct) biscuit or Breakfast Bowl - $1.99Kelloggs cereal or Eggo waffles - $1.99Kleenex tissue (70,100) - $.99Maxwell House instant coffee or decaf (8 oz) - $3.99
3/17 SS $1 one Maxwell House product (4/13/13)Maybelline BOGO 50%Nestle Nips - $.89Nice thin mints (5 oz) or peanut brittle - $.89Nice wax paper, facial tissue, aluminum foil - $.99Nice designer paper plates 2/$3Nice (8 oz) nuts or (12 oz) trail mix - $1.99Nivea lip Kiss (.17 oz) - $1.99
$1 mq in Sunday 4/14 paperNivea body wash (16.9 oz) 2/$7
$3/2 mq in Sunday 4/14 paperOlay skin care 20% offPepsi, Mountain Dew, Sierra Mist (12 pk) 3/$10RC Ten, 7-Up Ten, A&W Ten, Sunkist Ten, Dr. Pepper Ten or Canada Dry Ten (12 oz) 12 pk - $2.99
$1 IVC in April bookRevlon BOGO 50% off all face and eye products
$2 mq in Sunday 4/14 paperRussell Stover BOGO
Sugar Free items (3 oz) 2/$2.19
Chocolate assorted (12 oz) 2/$8.99SoftSoap pump (7.5 oz) BOGO at $2.59 or refill (56 oz) BOGO at $7.99SoftSoap or Irish Spring body wash or Irish Spring (6 bar) soap - $2.99
$1 mq in Sunday 4/14 paper for both productsW Premium diapers 2/$13.48W baby wipes (64 ct) 2/$3.43Walgreens 325 mg tabs (100 ct) - $1.29 and BOGO 50% - various aspirin included in BOGO 50%Walgreens antacid or X/S antacid (96 150 ct) BOGO at $3.99Vicks Dayquil or Nyquil (12 oz) or (24 ct) - $6.99Fillers:Arizona tea 2/$1Hersheys bars - $.59Super Bubbles (8 oz) - $.79 and BOGO 50%
--------------------------------------------------------------------------------
thnx reg036 & pwcpal; sd
The Body Shop - 40% off sitewide + $10 Select Body Butter + FS on $50
Added on : Thursday April 11th 2013 08:00:02 AM
http://www.thebodyshop-usa.com40% Off Sitewide
The "40% Off Sitewide" Promotion (the "Offer") entitles customers to a 40% discount on their purchase. No coupon code required at checkout. Offer valid April 11-14, 2013 online only at www.thebodyshop-usa.com. The offer is not valid in-store. Offer excludes $10 Select Body Butter, Outlet items, pre-boxed gift sets, gift cards, Love Your Body memberships and charitable items. Offer does not apply to prior purchases. Returned items will be refunded or exchanged at the discounted price. Offer subject to change without notice.$10 Select Body Butter
The $10 Body Butter Offer (The Offer) entitles customers to purchase 200ml Blueberry, Sweet Lemon, Cocoa Butter, Passion Fruit, or Duo Body Butter for $10, excluding applicable taxes. Offer valid March 19-31, 2013 at participating The Body Shop stores located in Canada and online at www.thebodyshop.com. Returned products will be refunded at the discounted sale price. Offer is not applicable to prior purchases. Offer subject to change without notice. While supplies last.LOVE YOUR BODY Member Exclusive: Free Shipping
The Free Shipping LOVE YOUR BODY Offer (the "Offer") entitles customers with active LOVE YOUR BODY rewards membership to receive free Ground Shipping when ordering online at www.thebodyshop-usa.com. Offer valid for a limited time only. Customer must be logged in and have LOVE YOUR BODY card applied and linked to account in order to receive free Ground Shipping. Offer valid for new and existing Memberships. Offer subject to change without notice. Delivery time is up to 7 business days from order date. Ground shipping available in the continental U.S. only.Outlet
The Outlet Discount on items included within the Outlet category ("Offer") is available online only at www.thebodyshop-usa.com. Offer not valid in-store. Offer applies ONLY to items in this category and does not apply to any alternative products. Offer not valid in conjunction with any other offer, discount, coupon or promotion except for the 10% Love Your Body membership discount. ALL SALES FINAL.
Environment Getting Tough For Investors: My Breakdown
Added on : Wednesday April 10th 2013 07:01:17 PM
In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest for the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from the valuation of the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute, central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself out and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
My Breakdown of the Current Economic Environment
Added on : Wednesday April 10th 2013 06:01:16 PM
In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest in the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from your confidence in the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk