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g: 0 Posted By: Y3ll0wSlack3r
Views: 106 Replies: 0 Advanced Coupon Strategies: Money saving secrets from a coupon shopping expert

Get it while it is still FREEBook DescriptionPublication Date: September 7, 2013Everything is so expensive these days! Even when you just need a few things at the grocery store, it ends up being hundreds of dollars!

What if a short eBook could save you money every single time you visit the grocery store, for the rest of your life?

You've probably been stuck behind someone in line who holds everyone up because they have handfuls of coupons. It's frustrating to wait in line, but what's more upsetting is that they are literally saving 50, 70 even 90% on their bill. They're winning.

How to do they do it?

Well, there's an elite group of shoppers who call themselves Couponers. These people know the tricks of the trade, and can get unbelievable savings with the coupons that most people throw out.

How can I get in on that?

The first book from Deep Cove Publishing, How to Coupon Shop Like a Pro, is made just for you. You're tired of spending way too much money for necessities, and you just need some breathing room in your budget. So we got one of the best couponers around and asked for his secrets - and he told us!

Are you ready to learn how to save hundreds of dollars every month and live a richer life by learning how to coupon?

For less than the price of a fancy coffee or two (admit it, you have a few every day) you can get this book that will pay or itself the very first time you go shopping, and every other time after that.

That sounds like a pretty good deal, right? Pay a few bucks now, and save tons of money for the rest of your LIFE? Where do I sign?

Here's what you're going to learn in this book:
Is Coupon Shopping Worth the Effort?
Coupon Rules and Etiquette
Various Kinds of Coupons
Advanced Coupon Finding Strategies
Coupon Organization Tips
How to Plan Your Shopping Trip
Pro Tips and Advice
The Best Links to All Things Coupon

If you're not frustrated by your growing grocery bills, this book isn't for you. Seriously - if you don't need hundreds or thousands of extra dollars per year, do not buy this book.

If, however, you think you could find something to spend a few hundred extra dollars on, you need this book. Do not go to the grocery store again before reading this book - you'll be wasting A LOT more money than the price of this book.

Happy couponing!
offered a limp sum pension buyout
Added on : Tuesday October 21st 2014 05:00:07 PM
g: 2 Posted By: warrensmailbox
Views: 101 Replies: 2 I've been offered a limp sum pension buyout from my former employer of 30 years.. It's near a quarter million. I'm 60 and on SSDI for 10 years, the wife is 57. She is on SSDI as well. (5 years now)Together we get about $3000 in SSDI monthly payments and a personally paid for un-taxable insurance disability income payment of $900 per month. We also get $400 income per month as rental income.Total monthly income is about $4300. I've found I get more than double an average American gets from SS (which is about $1,100 PM). So I'm highly compensated as for as SSDI payments.We still owe on our home $350 a month -insurance & a new 40 year loan to boot. (it's complicated due to no heath insurance for 6 years and we lost our primary home which was mortgaged to cover medical expenses (no one would sell us a plan) and finally had to file chapter 7, we moved into our 90% finished vacation home (they let use keep it) had to give up my Ram, RV and primary home. We have medicare coverage now thank God.We have a few new medical bills, car payments and credit cards (from meds) we owe as well. Total amount in debt is only about $77,000 that we can pay off with a portion of our lump sum in cash plus thousands extra left over to bank. The other slightly larger portion to be rolled over into an IRA (no taxes to pay) which I wouldn't draw on only until I'm 65 than take small monthly payments.Our health is fair to poor actually more leaning toward poor. Our monthly income (we'll lose the $900 insurance payments if I took the buyout or annuity) without these debt obligations my monthly living expense would be $1731.00. Food, utilities, clothing, insurance, deductibles/co-pays and such all fractured it. We don't pay any type of taxes, property or state/feds income. Of course we'll take a 20% tax hit on the cash out, but we may get some back.Total income would be $3350.00. Amount free with no obligations would be $1,600.00 per month and will be split to saving per month and most importantly our home will be ours again.If I took the annuity option 2 instead I would get $1,450 a month right NOW for life, BUT per terms of my personal disability insurance contract once I do that the $900 monthly payments stop as well. So basically I'll only get $500 extra income but the whole $1,400 will now be taxable income. 17K a year taxable.I'm leaning to the boat load of money. I feel we can do without the pension payments and lets face it we may not live long enough to enjoy it, plus my only child could be left something other than bills.What do you think?Thanks
New User Question Deals
2015 Health Plan - HSA vs PPO
Added on : Tuesday October 21st 2014 08:00:19 AM
g: 0 Posted By: freebirdy
Views: 78 Replies: 0 I am trying to understand which plan is better for me and my baby HSA or PPO:

HSA deductible: $3000 HSA company contribution: $1500 my annual premium cost: $3,599.88 Out of packet: $4000
PPO deductible: $700 my annual premium cost: $4,088.16Out of packet: $7400

Everything else is the same: preventive at 100% and rest at 80% coverage.

So I run the numbers and HSA is a bit more expensive: $311.72.. (Difference between deductible, cost and company's HSA contribution).. Obviously only if the baby (10 months old) is sick often and we're going over $2000 in bills.

Personal Finance Deals
New Arrivals: Francesco Biasia - Harlem Red Leather Fold Wallet
Added on : Wednesday October 15th 2014 09:00:04 AM
Harlem Red Leather Fold Wallet crafted crafted in exclusive Caramba crinkle calf leather, is ultra modern in style with a bold zipper detail that is distinctive tot he Harlem Line. Featuring fold over magnetic snap closure, 12 card slots, one ID window, large zip change compartment, and two large pockets for bills and receipts. Made in Italy.
Monopoly the Walking Dead Survival Edition $38.32 w/FS @ Amazon
Added on : Sunday October 12th 2014 11:00:04 PM
g: 0 Posted By: ctgolfer
Views: 151 Replies: 0 The Walking Dead Monopoly Game - Collector's Item!
In the Walking Dead Monopoly game, you will wheel and deal for your very survival. Can you buy, sell, trade and backstab to survive in a world of the dead?
Comes with a game board, rules, six collectible tokens, 28 title deed cards, 16 scavenger cards, 16 supply chest cards, supply bills, 32 houses renamed walls and 12 hotels renamed guard quarters
It is designed for 2-6 players ages 13 and up
Includes retail packaging & instructions

www.amazon.com/dp/1605843598/
Game Deals

Amazon Coupons
$10 New Era NFL hats at Champs.
Added on : Wednesday October 08th 2014 04:00:20 AM
g: 5 Posted By: jakemoney
Views: 1697 Replies: 11 ChampsSports.com is haivng a sale on fitted NFL hats.Link

Teams:
Bills
Falcons
Giants
Jets
Lions
Panthers
Patriots
Rams
Tavens
Saints
Steelers


NFL Deals
$10 New Era NFL hats at Champs. Free shipping
Added on : Tuesday October 07th 2014 02:00:02 AM
g: 0 Posted By: jakemoney
Views: 8 Replies: 0 ChampsSports.com is haivng a sale on fitted NFL hats.Link

Teams:
Bills
Falcons
Giants
Jets
Lions
Panthers
Patriots
Rams
Tavens
Saints
Steelers


NFL Deals
Ally bank froze my accounts - any recourse?
Added on : Saturday October 04th 2014 07:00:11 AM
g: 0 Posted By: master44
Views: 32 Replies: 0 I received a targeted offer from Navy Federal for a 18 month 0%, 0 fee balance transfer offer and initiated the transfer to my checking account at Ally bank as I've done before and as I confirmed with Navy Federal was allowed.

The check posted 7 days ago to my Ally account, but with funds being held 10 business days as the amount was $15,000.

3 days ago I attempted to login into my Ally account online and got a message that account access has been disabled. I called customer service and after a lengthy wait was told I had to call another 877 number to work the issue, but they couldn't give me any information and were very vague.

I called the 877 number they gave me which is Ally's fraud prevention department where you are asked to leave a message, there is no live person available. So I leave a message, but don't get a call back, so call in again today to find out what is going on. I speak to a rep who tells me there are notes on my account that say the Navy Federal check is being investigated and all my funds are being held pending the results of the investigation. Despite pressing I am not given any timeline for this process and am told that even though I have thousands more than the amount being investigated, all my funds are being locked.

I am told that the fraud department at ally is a "back office department" and don't have incoming phone numbers, they communicate to customer service via email and postnotes to the account. I am told I can leave them a message, someone may call me back or I can call back in 3-5 business days to see what is posted to my account.

My question is what recourse do I have? I am not doing anything illegal, I have funds in excess of the check to be cached that they are holding and I cannot seem to find anyone to work with to get this resolved. Can a bank freeze funds like this and not give me avenues to solve the problem in a timely matter? I have a trip coming up i a week and would like to withdraw some cash to have on hand and also have bills that will be due soon that I cannot pay. Please let me know if you have experienced anything similar and what my rights are to my money.

Thanks
Jet Set Men»s Black Logo Embossed Leather Card Case is crafted from supple leather leather in a compact design that slips into your suit pocket or toss in your briefcase. Features MK logo embossed design, four card slots and center opening for receipts or bills. Signature box included.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
g: 2 Posted By: BigBoyMichigan
Views: 817 Replies: 6 New Year = New Registration For 2014 McDonald's Monopoly Game


*Game Pieceswill not be Issueduntil In-Store Starting Game Date (September 30, 2014)

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, Free McDonald's food prizes, and much, much more!Must be 13+ to enter and play online, Validat participating McDonald's restaurants.


McDonald's Special Links
Register For 2014 McDonald's Monopoly - Enter Code First
I Won A Prize - Enter Winning Code Here
Canadian Residents - Prize Redemption Website
Guam or Saipan Residents - I Won RedBox or MyCokeRewards Prize
Prize Redemption Frequently Asked Questions
McDonald's Monopoly Big Winners 2003 - 2014
McDonald's Monopoly 2014 Official Rules
McDonald's Restaurant Locator - USA
BigBoyMichigan's FatWallet Deals


*McDonald's Monopoly Pre-Promotion Online Sweepstakes
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00
*Game Pieces will not be Issued until In-Store Starting Game Date (September 30, 2014)
Starts......September 23, 2014 at 12:00 a.m. EST
Ends........September 29, 2014 at 11:59:59 p.m. EST


IN-STORE GAME
Starts......September 30, 2014 at 12:00 a.m. EST
Ends........October 27,2014at 11:59:59 p.m. ESTor while supplies last.




FREE MONOPOLY LETTER CODES - EVERYONE CAN USE THESE ONCE*
============================================================
McDMONOPOLY (Pre-Premotion Facebook Code)



* Any Individual Code that has a Mix of Numbers & Letters can only be used once, Once its used, No one else can use it!
Share a FREE Monopoly Letter Code and Get Credit For It



SPECIAL MC DONALDS RULES ABOUT THE GAME:
===========================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per person, per day, not including the FREE Codes. One Pre-Promotion Sweepstakes entry per person. One online registration per participant.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a USA, DC, Canada, Guam, Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
* Free Game Pieces By Mail (See Below)................6 peels

* 20-piece Chicken McNuggets.............................4 peels**
* Large Fries..............................................................4 peels

* Medium Fountain Drink (21 oz).............................2 peels
* Medium Ice Water (21 oz).......................................2 peels
* Medium McCafe Beverage(16 oz)......................2 peels
* LargeMcCaf Beverage(20 oz).........................2 peels
* Big Mac Sandwich.................................................2 peels
* Bacon Clubhouse Sandwich................................2 peels
* Filet-O-Fish Sandwich.........................................2 peels
* 10-piece Chicken McNuggets.............................2 peels
* Premium McWrap................................................2 peels
* Hash Browns..........................................................2 peels
* Egg White Delight McMuffin sandwich.............2 peels
* Egg McMuffin......................................................2 peels
* Sausage McMuffin with Egg sandwiches........2 peels
* Fruit & Maple Oatmeal..........................................2 peels


**Special Note: Where 20-piece Chicken McNuggets packaging is not available, Participants who order 20-piece Chicken McNuggets will receive two (2) 10-piece Chicken McNuggets, each with one (1) Game Piece.Check with store as once the peels runs out on a certain product, They will NOT be resupplied





IN-STORE PRIZES - MCDONALDS MONOPOLY 2014
===========================================
$50.00..............................................................................1,000 Winners - ARV: $50.00..........Collect & Win
$100 Cash Prize............................................................10,000 Winners - ARV: $100.00.........Instant Win
$5,000 Cash Prize..................................................................5 Winners - ARV: $5,000.........Collect & Win
$10,000 To Help Pay Your Bills..............................................4 Winners - ARV: $10,000........Collect & Win
$100,000 Cash Prize..............................................................4 Winners - ARV: $100,000.......Instant Win
$1,000,000 Cash Prize...........................................................1 Winner - ARV: $1,000,000...Collect & Win
Cessna Private Jet Trip..........................................................2 Winners - ARV: $16,900........Collect & Win
Cessna Discovery Flight.......................................................10 Winners - ARV: $400.00.........Instant Win
Beaches Resorts Vacation.................................................75 Winners - ARV: $6,500..........Collect & Win
Softcard Mobile Wallet Prizes.............................................238 Winners - ARV: $3,150..........Collect & Win
$2,000 Target GiftCard......................................................20 Winners- ARV: $2,000.00......Instant Win
$020.00 Target eGiftCard................................................6,000 Winners- ARV: $0,020.00......Instant Win
$010.00 Target eGiftCard..............................................30,000 Winners- ARV: $0,010.00......Instant Win
$005.00 Target eGiftCard............................................100,000 Winners- ARV: $0,005.00......Instant Win
$5,000 Target GiftCard & Early Black Friday Access...........10 Winners -ARV: $5,000.00......Collect & Win
$25.00 Shell V-Power Gift Card....................................3,500 Winners - ARV: $25.00...........Instant Win
$10.00 Shell V-Power Gift Card....................................5,000 Winners - ARV: $10.00...........Instant Win
Shell Fuel for a Year...............................................................4 Winners - ARV: $2,350.00......Collect & Win
Dream Trip From Delta Vacations........................................20 Winners - ARV: $7,500.00......Collect & Win
My Coke Rewards 50 Bonus Point Bundle............4,000,000 Winners - ARV: $2.00.............Instant Win
1-Day Redbox Rental...............................................5,600,000 Winners - ARV: $2.00..............Instant Win
VIZIO P-Series 50" Class Ultra HD Smart TV....................260 Winners - ARV: $999.99..........Instant Win
$10.00 Arch Card........................................................20,000 Winners - ARV: $10.00............Instant Win
8x8 Shutterfly Photo Book........................................2,000,000 Winners - ARV: $37.98............Instant Win
Shutterfly Magnet.....................................................2,800,000 Winners - ARV: $22.98............Instant Win
Shutterfly White Ceramic Mug.................................1,200,000 Winners - ARV: $22.98............Instant Win
Polaroid Cube Lifestyle Action Camera.........................350 Winners - ARV: $99.00.............Instant Win
1-Month Hulu Plus Subscription............................10,000,000 Winners - ARV: $7.99...............Instant Win
Trip to Super Bowl XLIX (2015)............................................2 Winners - ARV: $7,000..............Instant Win
Skullcandy Navigator Headphones...............................3,000 Winners - ARV: $99.00...............Instant Win
Hasbro MONOPOLY Board Game................................2,000 Winners - ARV: $20.00..............Instant Win
Trip to the U.S. Premiere of The Hobbit................................1 Winner - ARV: $3,500..............Instant Win
Meet N Greet LeBron James Basketball MVP......................1 Winner - ARV: $3,800.............Instant Win
Meet N GreetJamie McMurray Victory Lane Veteran..........1 Winner - ARV: $3,440..............Instant Win
Meet N GreetAlex Morgan Soccer Gold Metalist.................1 Winner - ARV: $3,200..............Instant Win
Meet N GreetPatrick Kane Hockey All Star..........................1 Winner - ARV: $3,200.............Instant Win
Quarter Pounder with Cheese...............................18,395,575 Winners -ARV: $3.00...............Instant Win
Fruit ' N Yogurt Parfait...........................................18,395,575Winners-ARV: $3.00...............Instant Win
Regular McFlurry...................................................18,395,575Winners-ARV: $2.00...............Instant Win
Small McCafe Frappe............................................18,395,575Winners-ARV: $2.00...............Instant Win
Any Breakfast Sandwich (Except McMuffin)..........18,395,575Winners-ARV: $3.00...............Instant Win
Small McCafe Smoothie........................................18,395,575Winners-ARV: $3.00...............Instant Win
Medium Fries.........................................................18,395,575Winners-ARV: $2.00...............Instant Win



ONLINE PRIZES - MCDONALDS MONOPOLY 2014
=========================================
My Coke Rewards 1000 Bonus Point Bundle...................42 Winners - ARV: $040.00.............Instant Win
My Coke Rewards 50 Bonus Point Bundle..............250,000 Winners - ARV: $002.00.............Instant Win
Spotify Premium 12 Month Memberships.......................5,000 Winners - ARV: $119.88.............Instant Win
Spotify Premium 03 Month Memberships.......................5,000 Winners - ARV: $029.97.............Instant Win
1-Day Redbox Rental...............................................1,400,000 Winners - ARV: $002.00.............Instant Win
$100 Cash Prize................................................................100 Winners - ARV: $100.00.............Instant Win
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00........Pre-Promotion
$50,000 Sweepstakes Prize..................................................1 Winner - ARV: $50,000.00........Online Game
$10.00 Arch Card............................................................100 Winners -ARV: $010.00.............Instant Win
$50.00 Shell V-Power Gift Card......................................500 Winners-ARV: $050.00.............Instant Win
$14.99 Fathead E-Code....................................................500 Winners-ARV: $014.99.............Instant Win



2014 Rare Pieces........................Game Piece...Game Prize
==============================================
* Mediterranean Ave...................501.................$50.00
* Vermont Ave.............................504..................Shell Fuel For 1 Year
* Virginia Ave..............................508..................$5,000.00
* Tennessee Ave.........................510..................Softcard Mobile Wallet Prize**
* Kentucky Ave...........................512...................Any Delta Airlines Destination for 2
* Ventnor Ave..............................516..................Beaches Resorts Vacation
* Pennsylvania Ave.....................520.................Cessna Private Jet Trip
* Boardwalk.................................522..................$1,000,000 (annuity)
* Short Line Railroad..................526..................$5,000 Black FridayTarget Shopping Spree
*Water Works.............................527..................$10,000 To Pay Bills

** Plus $2,500 for wireless service


FREE GAME PIECES BY SNAIL MAIL
A Participant can request a Game Piece without buying a food item by mailing a legibly handwritten, self-addressed, stamped envelope (SASE) with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP code to:

2014 MONOPOLY Game Piece Request
P.O. Box 49340
Strongsville, OH 44149-0340

Six (6) Game Stamps will be mailed in response to each mail-in request that complies with the requirements of these Official Rules, while supplies last,Mail-in requests, including both outer envelope and SASE, must be handwritten. Outer envelope must include a return address in the upper left hand corner that matches the requestors street address, and

Postmarked By.....................October 27, 2014
Received by Sponsor By.....November 1, 2014.

If the In-Store Game is extended beyond October 27, 2014, these dates are subject to a corresponding extension. Requests from Vermont (VT) residents that are postmarked in VT may omit return postage. Requests from VT residents that are postmarked outside of VT and omit return postage may be required to provide proof of VT residency to Sponsor's reasonable satisfaction before requests are fulfilled. Each request must be mailed in a separate stamped outer mailing envelope. Requests that are sent in business reply envelopes, that utilize address labels or stickers (for any address), that are photocopied, hand-stamped, computer-generated or otherwise mechanically or digitally produced or reproduced, that are not mailed in separate outer stamped mailing envelopes, or that otherwise fail to comply with these Official Rules, will NOT be honored, acknowledged or returned, and the persons submitting such requests will forfeit any corresponding postage and unused envelopes.
Pre-Promotion Sweepstakes Random Drawing: On or about October 7, 2014Online Sweepstakes Random Drawing: on or about November 18, 2014Prize Redemption Site link http://www.iwonatmcd.com/home/mo2014us/index.html


ABOUT POSTING ON THIS FATWALLET THREAD
You have a McDonald's Code you want to share, Feel Free To Post it, People will love you for it
If you use a code, please let others know! It saves us all time, Be sure to thank the people you get Free Codes from it makes the code donors feel good.

RBM.........Redeemed by me
RNBM......Redeemed, Not By Me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Also if you know any McDonalds Gaming Tips, Feel free to share it here.Do to lack of space, There is additional information in the next post below, Please take a moment to read it.


■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.


Toys, Games,& Collectibles Deals
g: 0 Posted By: BigBoyMichigan
Views: 244 Replies: 1 New Year = New Registration For 2014 McDonald's Monopoly Game

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!Must be 13+ to enter and play online. Subject to Official Rulesatwww.PlayatMcD.comand participating McDonald's restaurants.


McDonald's Restaurant Locator
http://www.mcdonalds.com/us/en/restaurant_locator.html



*McDonald's Monopoly Pre-Promotion Online Sweepstakes
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00
*Game Pieces will not be Issued until In-Store Starting Game Date (September 30, 2014)
Starts......September 23, 2014 at 12:00 a.m. EST
Ends........September 29, 2014 at 11:59:59 p.m. EST



IN-STORE GAME
Starts......September 30, 2014 at 12:00 a.m. EST
Ends........October 27,2014at 11:59:59 p.m. ESTor while supplies last.




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
====================================================
McDMONOPOLY (Pre-Premotion Facebook Code)



SPECIAL MC DONALDS RULES ABOUT THE GAME:
===========================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per day.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a Guam or Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
* 20-piece Chicken McNuggets................................4 peels**
* Large Fries..............................................................4 peels

* Medium Fountain Drink (21 oz).............................2 peels
* Medium McCafe Beverage(16 oz)......................2 peels
* LargeMcCaf Beverage(20 oz).........................2 peels
* Big Mac Sandwich.................................................2 peels
* Bacon Clubhouse Sandwich................................2 peels
* Filet-O-Fish Sandwich.........................................2 peels
* 10-piece Chicken McNuggets.............................2 peels
* Premium McWrap................................................2 peels
* Hash Browns..........................................................2 peels
* Egg White Delight McMuffin sandwich.............2 peels
* Egg McMuffin......................................................2 peels
* Sausage McMuffin with Egg sandwiches........2 peels
* Fruit & Maple Oatmeal..........................................2 peels


**Special Note: Where 20-piece Chicken McNuggets packaging is not available, Participants who order 20-piece Chicken McNuggets will receive two (2) 10-piece Chicken McNuggets, each with one (1) Game Piece.Check with store as once the peels runs out on a certain product, They will NOT be resupplied





IN-STORE PRIZES - MCDONALDS MONOPOLY 2014
===========================================
$50.00.................................................................................1,000 Winners - ARV: $50.00.....................Collect & Win
$100 Cash Prize................................................................10,000 Winners - ARV: $100.00...................Instant Win
$5,000 Cash Prize......................................................................5 Winners - ARV: $5,000.....................Collect & Win
$10,000 To Help Pay Your Bills..................................................4 Winners - ARV: $10,000....................Collect & Win
$100,000 Cash Prize..................................................................4 Winners - ARV: $100,000..................Instant Win
$1,000,000 Cash Prize...............................................................1 Winner - ARV: $1,000,000...............Collect & Win
Cessna Private Jet Trip..............................................................2 Winners - ARV: $16,900....................Collect & Win
Cessna Discovery Flight...........................................................10 Winners - ARV: $400.00....................Instant Win
Beaches Resorts Vacation.....................................................75 Winners - ARV: $6,500......................Collect & Win
Softcard Mobile Wallet Prizes.................................................238 Winners - ARV: $3,150......................Collect & Win
$2,000 Target GiftCard...........................................................20 Winners- ARV: $2,000.00..................Instant Win
$020.00 Target eGiftCard.....................................................6,000 Winners- ARV: $0,020.00..................Instant Win
$010.00 Target eGiftCard...................................................30,000 Winners- ARV: $0,010.00..................Instant Win
$005.00 Target eGiftCard.................................................100,000 Winners- ARV: $0,005.00..................Instant Win
$5,000 Target GiftCard & Early Black Friday Access................10 Winners -ARV: $5,000.00..................Collect & Win
$25.00 Shell V-Power Gift Card.........................................3,500 Winners - ARV: $25.00.......................Instant Win
$10.00 Shell V-Power Gift Card.........................................5,000 Winners - ARV: $10.00.......................Instant Win
Shell Fuel for a Year....................................................................4 Winners - ARV: $2,350.00..................Collect & Win
Dream Trip From Delta Vacations.............................................20 Winners - ARV: $7,500.00..................Collect & Win
My Coke Rewards 50 Bonus Point Bundle.................4,000,000 Winners - ARV: $2.00.........................Instant Win
1-Day Redbox Rental.....................................................5,600,000 Winners - ARV: $2.00........................Instant Win
VIZIO P-Series 50" Class Ultra HD Smart TV..........................260 Winners - ARV: $999.99....................Instant Win
$10.00 Arch Card.............................................................20,000 Winners - ARV: $10.00.......................Instant Win
8x8 Shutterfly Photo Book.............................................2,000,000 Winners - ARV: $37.98.......................Instant Win
Shutterfly Magnet..........................................................2,800,000 Winners - ARV: $22.98.......................Instant Win
Shutterfly White Ceramic Mug......................................1,200,000 Winners - ARV: $22.98.......................Instant Win
Polaroid Cube Lifestyle Action Camera..............................350 Winners - ARV: $99.00.......................Instant Win
1-Month Hulu Plus Subscription.................................10,000,000 Winners - ARV: $7.99.........................Instant Win
Trip to Super Bowl XLIX (2015)..................................................2 Winners - ARV: $7,000.......................Instant Win
Skullcandy Navigator Headphones.....................................3,000 Winners - ARV: $99.00.......................Instant Win
Hasbro MONOPOLY Board Game.....................................2,000 Winners - ARV: $20.00.......................Instant Win
Trip to the U.S. Premiere of The Hobbit.....................................1 Winner - ARV: $3,500.......................Instant Win
Meet N Greet LeBron James Basketball MVP...........................1 Winner - ARV: $3,800.......................Instant Win
Meet N GreetJamie McMurray Victory Lane Veteran...............1 Winner - ARV: $3,440.......................Instant Win
Meet N GreetAlex Morgan Soccer Gold Metalist......................1 Winner - ARV: $3,200.......................Instant Win
Meet N GreetPatrick Kane Hockey All Star..............................1 Winner - ARV: $3,200.......................Instant Win
Quarter Pounder with Cheese...................................18,395,575 Winners -ARV: $3.00.........................Instant Win
Fruit ' N Yogurt Parfait...............................................18,395,575Winners-ARV: $3.00.........................Instant Win
Regular McFlurry.......................................................18,395,575Winners-ARV: $2.00.........................Instant Win
Small McCafe Frappe................................................18,395,575Winners-ARV: $2.00.........................Instant Win
Any Breakfast Sandwich (Except McMuffin)..............18,395,575Winners-ARV: $3.00.........................Instant Win
Small McCafe Smoothie............................................18,395,575Winners-ARV: $3.00.........................Instant Win
Medium Fries.............................................................18,395,575Winners-ARV: $2.00.........................Instant Win





ONLINE PRIZES - MCDONALDS MONOPOLY 2014
=========================================
My Coke Rewards 1000 Bonus Point Bundle...................42 Winners - ARV: $040.00 Each....Instant Win
My Coke Rewards 50 Bonus Point Bundle..............250,000 Winners - ARV: $002.00Each....Instant Win
Spotify Premium 12 Month Memberships.......................5,000 Winners - ARV: $119.88 Each....Instant Win
Spotify Premium 03 Month Memberships.......................5,000 Winners - ARV: $029.97 Each....Instant Win
1-Day Redbox Rental...............................................1,400,000 Winners - ARV: $002.00Each....Instant Win
$100 Cash Prize................................................................100 Winners - ARV: $100.00Each....Instant Win
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00........Pre-Promotion
$50,000 Sweepstakes Prize..................................................1 Winner - ARV: $50,000.00........Online Game
$10.00 Arch Card............................................................100 Winners -ARV: $010.00.............Instant Win
$50.00 Shell V-Power Gift Card......................................500 Winners-ARV: $050.00.............Instant Win
$14.99 Fathead E-Code....................................................500 Winners-ARV: $014.99.............Instant Win





McDonalds Monopoly 2014 Rare Pieces:
====================================
* Mediterranean Ave
* Vermont Ave
* Virginia Ave
* Tennessee Ave
* Kentucky Ave
* Shortline Railroad
* Ventor Ave
* Pennsylvania Ave
* Boardwalk



FREE GAME PIECES BY SNAIL MAIL
A Participant can request a Game Piece without buying a food item by mailing a legibly handwritten, self-addressed, stamped envelope (SASE) with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP code to:

2014 MONOPOLY Game Piece Request
P.O. Box 49340
Strongsville, OH 44149-0340

Six (6) Game Stamps will be mailed in response to each mail-in request that complies with the requirements of these Official Rules, while supplies last,
Mail-in requests, including both outer envelope and SASE, must be handwritten. Outer envelope must include a return address in the upper left hand corner that matches the requestors street address, and must be postmarked no later than October 27, 2014, and received by Sponsor no later than November 1, 2014.If the In-Store Game is extended beyond October 27, 2014, these dates are subject to a corresponding extension. Requests from Vermont (VT) residents that are postmarked in VT may omit return postage. Requests from VT residents that are postmarked outside of VT and omit return postage may be required to provide proof of VT residency to Sponsor's reasonable satisfaction before requests are fulfilled. Each request must be mailed in a separate stamped outer mailing envelope. Requests that are sent in business reply envelopes, that utilize address labels or stickers (for any address), that are photocopied, hand-stamped, computer-generated or otherwise mechanically or digitally produced or reproduced, that are not mailed in separate outer stamped mailing envelopes, or that otherwise fail to comply with these Official Rules, will NOT be honored, acknowledged or returned, and the persons submitting such requests will forfeit any corresponding postage and unused envelopes.



ABOUT POSTING ON THIS FATWALLET THREAD
You have a McDonald's Code you want to share, Feel Free To Post it, People will love you for it
If you use a code, please let others know! It saves us all time, Be sure to thank the people you get Free Codes from it makes the code donors feel good.

RBM.........Redeemed by me
RNBM......Redeemed, Not By Me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Also if you know any McDonalds Gaming Tips, Feel free to share it here.




■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.


Toys, Games,& Collectibles Deals
g: 0 Posted By: BigBoyMichigan
Views: 200 Replies: 1 New Year = New Registration For 2014 McDonald's Monopoly Game

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!Must be 13+ to enter and play online. Subject to Official Rulesatwww.PlayatMcD.comand participating McDonald's restaurants.


McDonald's Restaurant Locator
http://www.mcdonalds.com/us/en/restaurant_locator.html



*McDonald's Monopoly Pre-Promotion Online Sweepstakes
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00
Starts......September 23, 2014 at 12:00 a.m. EST
Ends........September 29, 2014 at 11:59:59 p.m. EST


IN-STORE GAME
Starts......September 30, 2014 at 12:00 a.m. EST
Ends........October 27,2014at 11:59:59 p.m. ESTor while supplies last.




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
====================================================
McDMONOPOLY (Pre-Premotion Facebook Code)



SPECIAL MC DONALDS RULES ABOUT THE GAME:
===========================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per day.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a Guam or Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
* 20-piece Chicken McNuggets................................4 peels**
* Large Fries..............................................................4 peels

* Medium Fountain Drink (21 oz).............................2 peels
* Medium McCafe Beverage(16 oz)......................2 peels
* LargeMcCaf Beverage(20 oz).........................2 peels
* Big Mac Sandwich.................................................2 peels
* Bacon Clubhouse Sandwich................................2 peels
* Filet-O-Fish Sandwich.........................................2 peels
* 10-piece Chicken McNuggets.............................2 peels
* Premium McWrap................................................2 peels
* Hash Browns..........................................................2 peels
* Egg White Delight McMuffin sandwich.............2 peels
* Egg McMuffin......................................................2 peels
* Sausage McMuffin with Egg sandwiches........2 peels
* Fruit & Maple Oatmeal..........................................2 peels


**Special Note: Where 20-piece Chicken McNuggets packaging is not available, Participants who order 20-piece Chicken McNuggets will receive two (2) 10-piece Chicken McNuggets, each with one (1) Game Piece.Check with store as once the peels runs out on a certain product, They will NOT be resupplied





IN-STORE PRIZES - MCDONALDS MONOPOLY 2014
===========================================
$50.00.................................................................................1,000 Winners - ARV: $50.00.....................Collect & Win
$100 Cash Prize................................................................10,000 Winners - ARV: $100.00...................Instant Win
$5,000 Cash Prize......................................................................5 Winners - ARV: $5,000.....................Collect & Win
$10,000 To Help Pay Your Bills..................................................4 Winners - ARV: $10,000....................Collect & Win
$100,000 Cash Prize..................................................................4 Winners - ARV: $100,000..................Instant Win
$1,000,000 Cash Prize...............................................................1 Winner - ARV: $1,000,000...............Collect & Win
Cessna Private Jet Trip..............................................................2 Winners - ARV: $16,900....................Collect & Win
Cessna Discovery Flight...........................................................10 Winners - ARV: $400.00....................Instant Win
Beaches Resorts Vacation.....................................................75 Winners - ARV: $6,500......................Collect & Win
Softcard Mobile Wallet Prizes.................................................238 Winners - ARV: $3,150......................Collect & Win
$2,000 Target GiftCard...........................................................20 Winners- ARV: $2,000.00..................Instant Win
$020.00 Target eGiftCard.....................................................6,000 Winners- ARV: $0,020.00..................Instant Win
$010.00 Target eGiftCard...................................................30,000 Winners- ARV: $0,010.00..................Instant Win
$005.00 Target eGiftCard.................................................100,000 Winners- ARV: $0,005.00..................Instant Win
$5,000 Target GiftCard & Early Black Friday Access................10 Winners -ARV: $5,000.00..................Collect & Win
$25.00 Shell V-Power Gift Card.........................................3,500 Winners - ARV: $25.00.......................Instant Win
$10.00 Shell V-Power Gift Card.........................................5,000 Winners - ARV: $10.00.......................Instant Win
Shell Fuel for a Year....................................................................4 Winners - ARV: $2,350.00..................Collect & Win
Dream Trip From Delta Vacations.............................................20 Winners - ARV: $7,500.00..................Collect & Win



ONLINE PRIZES - MCDONALDS MONOPOLY 2014
=========================================
My Coke Rewards 1000 Bonus Point Bundle...................42 Winners - ARV: $040.00 Each....Instant Win
My Coke Rewards 50 Bonus Point Bundle..............250,000 Winners - ARV: $002.00Each....Instant Win
Spotify Premium 12 Month Memberships.......................5,000 Winners - ARV: $119.88 Each....Instant Win
Spotify Premium 03 Month Memberships.......................5,000 Winners - ARV: $029.97 Each....Instant Win
1-Day Redbox Rental...............................................1,400,000 Winners - ARV: $002.00Each....Instant Win
$100 Cash Prize................................................................100 Winners - ARV: $100.00Each....Instant Win
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00........Pre-Promotion
$50,000 Sweepstakes Prize..................................................1 Winner - ARV: $50,000.00........Online Game
$10.00 Arch Card............................................................100 Winners -ARV: $010.00.............Instant Win
$50.00 Shell V-Power Gift Card......................................500 Winners-ARV: $050.00.............Instant Win
$14.99 Fathead E-Code....................................................500 Winners-ARV: $014.99.............Instant Win





McDonalds Monopoly 2014 Rare Pieces:
====================================
* Mediterranean Ave
* Vermont Ave
* Virginia Ave
* Tennessee Ave
* Kentucky Ave
* Shortline Railroad
* Ventor Ave
* Pennsylvania Ave
* Boardwalk



FREE GAME PIECES BY SNAIL MAIL
A Participant can request a Game Piece without buying a food item by mailing a legibly handwritten, self-addressed, stamped envelope (SASE) with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP code to:

2014 MONOPOLY Game Piece Request
P.O. Box 49340
Strongsville, OH 44149-0340

Six (6) Game Stamps will be mailed in response to each mail-in request that complies with the requirements of these Official Rules, while supplies last,
Mail-in requests, including both outer envelope and SASE, must be handwritten. Outer envelope must include a return address in the upper left hand corner that matches the requestors street address, and must be postmarked no later than October 27, 2014, and received by Sponsor no later than November 1, 2014.If the In-Store Game is extended beyond October 27, 2014, these dates are subject to a corresponding extension. Requests from Vermont (VT) residents that are postmarked in VT may omit return postage. Requests from VT residents that are postmarked outside of VT and omit return postage may be required to provide proof of VT residency to Sponsor's reasonable satisfaction before requests are fulfilled. Each request must be mailed in a separate stamped outer mailing envelope. Requests that are sent in business reply envelopes, that utilize address labels or stickers (for any address), that are photocopied, hand-stamped, computer-generated or otherwise mechanically or digitally produced or reproduced, that are not mailed in separate outer stamped mailing envelopes, or that otherwise fail to comply with these Official Rules, will NOT be honored, acknowledged or returned, and the persons submitting such requests will forfeit any corresponding postage and unused envelopes.



ABOUT POSTING ON THIS FATWALLET THREAD
You have a McDonald's Code you want to share, Feel Free To Post it, People will love you for it
If you use a code, please let others know! It saves us all time, and it makes our code donors feel good.

RBM.........Redeemed by me
RNBM......Redeemed, Not By Me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Also if you know any McDonalds Gaming Tips, Feel free to share it here.




■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.


Toys, Games,& Collectibles Deals
g: 0 Posted By: Xenocrates
Views: 184 Replies: 0 Eddie Bauer Bi-Fold Leather Canvas Wallet (Khaki or Olive) - $8.00 FS@ Daily Steals

Made with genuine leather
Canvas lining creates great contrast with all contents
Canvas and leather exterior matched with a middle layer
2 lengthwise pouches for bills
2 hidden credit card pockets for your more valuable cards
9 visible card pockets provide ample storage and ready access for your important cards
ID window on the inside middle for easy identification display

Eddie Bauer Deals
Is buying land a good investment?
Added on : Sunday September 21st 2014 02:00:10 PM
g: 0 Posted By: butler21
Views: 45 Replies: 1 I graduate college and have been working for approximately 8 months. I was able to land a great job and have been looking into buying some investment property/hunting land. While browsing I came across about 43 acres for sale in a prime hunting location. They are asking a hair over $63,000 for the property. 22 of the 43 acres have been clear cut about 3-4 years ago. The price per acre comes out to be around $1,400. All the property around here is selling for north of $2,300. I come to you guys to see if this is a good idea. I am on the road a lot for work and won't be stable for a while so I don't plan on buying a home anytime soon. I was thinking about putting $5k down on the property and financing it over 15 years. This would give me a rough note around $5-600 a month. The only other loans that i currently have are a student loan that has a balance of around $7,000 and a truck loan that has a balance around $26,000. I currently have $4,000 in savings and $2,000 in checking. (I just put $10,000 down on a new truck) I currently make approximately $1,800-$2,000 a week and $7,500-$8,000 a month. I rent an apartment for $900 a month and after all bills and notes i usually end up paying around $2,000 a month. Should I jump on this property? I feel it is a great investment. I will have a great place to hunt and spend weekends in the woods and also make a profit in the long run. The feel the reason the property is selling so low is due to it just being clear cut. I plan to let it grow back up and then sell the timber when its ready in 10-15 years. I came to this site to find some helpful hints and some honest opinions. I know I don't have much in my savings yet because I just bought a new truck but I feel I am financially stable enough to put down some money on this property by the end of the year. What do y'all think?
How I finally Managed to Ditch Fiat Currency Without Embracing Bitcoin.
Added on : Sunday September 21st 2014 09:00:08 AM
g: -1 Posted By: eddierd
Views: 131 Replies: 2 I came across this article (I am not the person who wrote it). I wanted to get the opinion the FW's regarding this way of paying your bills. Sounds quite interesting. Here is a piece of the article and (because of copyright issues) I give you the link where the article continues:

Well, I stopped using greenbacks for the most part. This is how. There is an organization in my state called UPMA and they convert my FRN into gold and allow me to spend it in any denomination that I want. They can legally do that because Utah has reauthorized gold and silver as legal tender. Let me explain how it works.Every month I deposit over $1,000 of Federal Reserve Notes into my United Precious Metals Association account and those are converted into "U.S Treasury" Golden dollars. $50 gold dollars is the face value of one ounce of gold so one gold cent is worth about a quarter. My $1,000 from work turns into about $43 in gold.With this account I can pay people and businesses directly in gold. I can withdraw gold in denominations of $50 (or one golden eagle). Chase bank and Discover accept gold payments. So do hundreds of other merchants. I can pay everything with gold and for the services where they don't accept it I can use a credit card and pay that off with gold. What this does is that it turns the money that I use everyday back into gold. Gold is money when it is used as money. It is an asset when it sits around. To open an account or to check out the details I recommend going to their website. The Attorney General of Utah has thrown his weight behind this. It has been really great. You can use it out-of-state and you can even use it to pay merchants that want FRNs without much of a penalty. You need to login to read the user agreement. That is where many of the details are regarding costs and whatnot.If you make 10 or fewer transactions and hold less than $50 in gold and make no more than 1 transaction from gold dollars to FRNs then it is a free account. The fees a very reasonable. For example, it costs 10 gold cents (like $2.50) as a service fee if you have more than $50 in your account.


Short Article Continues:http://www.dailypaul.com/326494/how-i-finally-managed-to-ditch-f...

PS FRN means Federal Reserve Notes i.e.US Dollars
Discussion Deals
Jet Set Men»s Black Logo Embossed Leather Card Case is crafted from supple leather leather in a compact design that slips into your suit pocket or toss in your briefcase. Features MK logo embossed design, four card slots and center opening for receipts or bills. Signature box included.
Security: Debit card vs ACH for recurring bills?
Added on : Tuesday September 16th 2014 01:00:07 PM
g: 0 Posted By: gobleu
Views: 25 Replies: 1 I agree that debit cards are much less safe than credit cards, but I do not have any credit cards at this time and don't want any.

For safety, I have two checking accounts without overdraft protection: one for check writing and one for debit card use. While it was initially for security, I like the separation of active spending (debit card) from recurring monthly bills (rent check and automatic ACH withdrawals for utilities). My plan was to set the POS limits on the card associated with the check-writing account to $0.

So far good, but I have 2 - 4 small monthly bills totaling about $100/month which require the use of a Visa or MasterCard. From a budget / management standpoint, I'd like to pay these from the check-writing account. Unfortunately I can separate a daily POS limit, but not a per-transaction or monthly limit.

So while I agree that debit cards are risker than credit cards, especially for in store / online retail transactions, are they significantly much worse than checks/ACH for recurring utility payments to a handful of reputable vendors
Deposits Deals
Spouse wants hobby account how to do it?
Added on : Monday September 15th 2014 01:00:08 PM
g: 0 Posted By: MoneyOCD
Views: 881 Replies: 46 Changed "allowance" to "hobby account" to eliminate wrongperceptions.

Ok, basically situation is in the name - spouse mentioned monthly deposits in separate account.
Reason is to be able to save for bigger personal purchases - hobby related.

We are both employed, maxing 401ks, IRAsand HSAs. Also sizable chunk goes into savings for cars/house maintenance, travel and charity/gifts.
We have child in college that cost us about $1500/month + medical and car insurance, have mortgage. Also doing contributions to ESPP with designation to allocate that money after stock sale to the extra mortgage payment. All that left is usedfor living expenses which are charged to CashBack CC and paid in full every month. I manage all the bills, spouse have access to all accounts, quicken and receives monthly report about all consolidated ins, outs, investments- no secrets there.

Questions:
How to do it into separate checking account and do not jeopardize CashBack?
DoI create myself similar account too? if yes, same amount?
What expenses to include mad/hobby money? Anything that I am not thinking about?

Thanks in advance
Personal Finance Deals
Spouse wants allowance how to do it?
Added on : Monday September 15th 2014 10:00:19 AM
g: 0 Posted By: MoneyOCD
Views: 183 Replies: 7 Ok, basically situation is in the name - spouse mentioned monthly allowance in separate account.
Reason is to be able to save for bigger personal purchases - hobby related.

We are both employed, maxing 401ks, IRAsand HSAs. Also sizable chunk goes into savings for cars/house maintenance, travel and charity/gifts.
We have child in college that cost us about $1500/month + medical and car insurance, have mortgage. Also doing contributions to ESPP with designation to allocate that money after stock sale to the extra mortgage payment. All that left is usedfor living expenses which are charged to CashBack CC and paid in full every month. I manage all the bills, spouse have access to all accounts, quicken and receives monthly report about all consolidated ins, outs, investments- no secrets there.

Questions:
How to do allowances into separate checking account and do not jeopardize CashBack?
DoI give myself allowance too? if yes, same amount?
What expenses to include in allowances beside mad/hobby money? Haircuts/salons? Clothing?Anything that I am not thinking about?

Thanks in advance
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 74 Replies: 0 Touch pad controls offer seamless cycle selection with just a light press of the button
Quiet Series sound package allows you to run the dishwasher without disrupting your home
Oversize Capacity Plus tall tub allows you to wash more in each load and clean items like cookie sheets, pitchers and mixing bowls
JetClean Plus wash system provides outstanding cleaning performance that powers away soil to make sure your dishes get their cleanest
Steam Sanitize option sanitizes dishes with a high-temperature rinse that reduces 99.999% of harmful germs, then uses high-heat steam to help reduce spots on glasses
ENERGY STAR qualified to save energy, water and help reduce your utility bills
Armor tub interior. This durable polymer interior reduces the appearance of stains that can develop in a dishwasher over time and keeps it looking clean longer
Rinse-aid dispenser automatically adds a measured amount of rinse-aid to help reduce the potential for spots on your dishes
Tiered upper rack makes room for tall items
Premium dark Duraguard heavy-duty nylon racks help protect dishes from scratches and damage while also resisting rust
Industry's most powerful motor. Each cycle blasts away tough soils for clean dishes the first time, every time
NSF Certified Sanitize option allows you to clean dishes with confidence. The wash cycle meets the criteria set forth by NSF International for eliminating 99.999% of food soil bacteria
4-blade stainless steel chopper pulverizes food, preventing particles from plugging the wash system and spray jets, providing optimal cleaning without the need to pre-rinse
2x Life Motor. This durable motor delivers years of dependable cleaning and has been tested to last twice as long as the average dishwasher life expectancy
From Ohio to you, every Maytag dishwasher is designed, engineered and assembled in the U.S.A.
New dishwasher connection kit is required for installation and will be offered during appliance checkout
Dishwasher installation availability varies by location and can vary based on your homes plumbing

www.homedepot.com/p/Maytag-JetClean-Plus-Front-Control-Dishwashe...
Appliance Deals

Home Depot Coupons
g: 0 Posted By: ctgolfer
Views: 145 Replies: 0 Classic Trifold:

Measures 4 1/8" x 3 1/4" x 1/2"
Inside ID window with Easy Remove
6 Credit Card Slots
2 Additional Pockets
Full Size Bill Section, fully lined.
Alpine Swiss Logo Inside, Cross Mark Outside
Passcase Bifold (removable ID):

Measures 4 1/2" x 3 1/2" x 1/2"
Removable Pass-case Flap with ID Window
7 Credit Card Slots
3 Additional Pockets
Divided 2 Full Size Bill Section, fully lined.
Alpine Swiss Logo Inside, Cross Mark Outside
Extra Capacity Bifold

Measures: 4 1/2" x 3 1/2" x 1"
Center Flip ID & Cards
Two separate Bill compartments
Center Flip Card Case inside for extended credit card capacity
Regular Card Slots
4 Oversized Card / Paper Slots
ID Window
Flip-Out Hybrid Bifold

Measures: 4 3/4" x 3 5/8" x 1"
Bifold Wallet with a trifold flip out with ID and Card Slots
Alpine Swiss Cross Logo outside
12 Card Slots, 3 additional oversized card slot pockets
Double Bill Section has two pockets to separate large and small bills
Zip-Around Bifold

Zipper closure
Measures: 4 1/2" x 3 3/4" x 1"
Handmade and well constructed
Two separate Bill compartments
Center Flip Card Case inside for extended credit card capacity
12 Regular Card Slots
5 Oversized Card / Paper Slots
Extra Capacity Trifold

Measures: 4 1/8" x 3 3/8" x 1"
ID Windows
Inside Center Flap with added card capacity
10 Card Slots including a large receipt or card pocket
Alpine Swiss Cross Logo outside
Lined Bill Section features a separator helps split larger bills from smaller ones easily

Slimfold

Measures 3" x 4" x 3/8"
Smallest thin profile wallets in the market
3 Card Slots including one outside for easy access
2 additional inside pockets
ID Window
Bill fold
Alpine Swiss cross Logo outside
Very plain very small and slim
Front Pocket wallet - Money Clip

Money Clip
Measures: 4" x 3 1/8" x 3/8"
5 Credit Card Slots, some can carry more then 1 card
ID Window
Magnet Clip Front Pocket Wallet

Strong Magnet Money Clip
Measures: 4" x 2 7/8" x 3/8"
Handmade and well constructed
Multiple Credit Card Slots
ID Window

www.ebay.com/itm/Mens-Wallets-Alpine-Swiss-Genuine-Leather-Money...
Clothing Deals

eBay Coupons
g: 0 Posted By: fivetalents
Views: 215 Replies: 0 OBi200 VoIP Phone Adapter, T.38 Fax by Obihai
4.6 out of 5 stars (141 customer reviews)

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The IRS wants to tax your free lunch
Added on : Thursday September 11th 2014 05:00:36 AM
g: 0 Posted By: Krazen1211
Views: 251 Replies: 11 Link

In fact, the agency has added the issue of employer-provided meals to its list oftop tax prioritiesfor the coming year.Were the meals to be treated as taxable, the cost of the food would be considered income to the employee. That means the employer would owe its share of payroll tax on that money and the employee would oweincome and payroll taxon it as well.

Link

A Gourmet magazine article last year raved about the "mouthwatering free food" at Google's headquarters in Mountain View, Calif. The article cited dishes such as porcini-encrusted grass-fed beef and noted that nearly half the produce was organic.What would a food tax on Google's meals look like for the average employee? Assuming a fair-market value of between $8 and $10 per meal, a Googler chowing down two squares a day could get dinged for taxes on an extra $4,000 to $5,000 a year.
Discussion Deals
Paying down half of my credit card debt, best way to do it?
Added on : Sunday September 07th 2014 05:00:04 AM
g: 0 Posted By: MightySlacker
Views: 60 Replies: 2 Currently have 10K of credit card debt over 3 cards that have 0% APR until April or May of next year. Anticipate being able to pay them all off before 0% expires.

Have 5K to use to cut the debt in half.

2.8K (5K limit) on Amex Blue, which is my daily spender
3.5K (6.5K limit) on Barclays Arrival, was my daily spender until I cashed in all my travel points
3.7K (5K limit) on Chase Freedom, just used to consolidate higher interest bills (moving expenses)

For best credit score results, should I pay one off completely, even it out, or try and get two down to a certain utilization level?

Dave
Personal Finance Deals
New Arrivals: Michael Kors - Jet Set Men»s Black Leather Card Case
Added on : Friday September 05th 2014 09:00:05 AM
Jet Set Men»s Black Leather Card Case is crafted from textured saffiano leather in a compact design that slips into your suit pocket or toss in your briefcase. Features four card slots and center opening for receipts or bills. Signature box included.
New Arrivals: Paul Smith - Black Leather Signature Stripe Travel Pouch
Added on : Friday September 05th 2014 09:00:05 AM
B crafted in soft leather with signature embossed detail, is the perfect travel companion. Featuring zip closure signature stripe interior, business or credit card slots and two large compartments for notes/bills and receipts. Made in Italy.
NFL Horizontal Text T-Shirts - $14.99 w/ FS AC at Fanatics
Added on : Thursday September 04th 2014 11:00:04 AM
g: 0 Posted By: jskins
Views: 226 Replies: 0 NFL Horizontal Text T-Shirts - $14.99 + free shipping using coupon code NEWFS at Fanatics. (A few t-shirts are selling for less than $13.99)

Officially Licensed Shirts
Some Teams Have Limited Sizes Available
Screen Print Graphics


Couple Notables:

Chicago Bears Horizontal Text T-Shirt (Navy Blue, Sizes S, M, L) - $14.99
Buffalo Bills Horizontal Text T-Shirt (Red, Sizes S, M, L - $14.99

Also at Fanatics:
Over 20% Off NFL Sale (Fleece, T-Shirts, Hoodies, and more)

Clothing Deals
Effective ways to reduce utilities
Added on : Wednesday September 03rd 2014 04:00:14 PM
g: 0 Posted By: FattenUpMyWallet
Views: 67 Replies: 3 Long time lurker, first time poster.

my name is Jeff and I've not lived the life of a FWF member up to this point. Without going into too much detail, I'm not meeting my financial goals. However I've read all the other woe is me I'm in debt but i won't take your advice threads and this isn't one of them.

I'm critiquing my own budget step by step and one thing that comes to mind is my utilities. I pay out $70/month on the balanced pay plan with my natural gas provider. I also pay about $70/month for water/sewer and anywhere from $65 to $110 for electricity.

I believe there must be some inexpensive or free ways to reduce my utility bills. I've read all the government suggestions for how to accomplish this and I've implemented some but I'm looking for less conventional but equally useful ideas. If anyone would have any, it would be FWF.

Thanks to everyone in advance
Personal Finance Deals
Nonmarriage and children
Added on : Wednesday September 03rd 2014 04:00:06 AM
g: 0 Posted By: nasheedb
Views: 43 Replies: 0 I read this article yesterday:http://www.usatoday.com/story/news/nation/2014/09/02/statutory-r... which started a thought process in my head. Granted the guy in the article was an idiot for 1. not reporting the rape and 2. ignoring the court request for paternity testing, child support hearing, etc. He basically told his side of the story to the press, but not to the judge.

Then I started reading some of the comments on reddit (http://www.reddit.com/r/news/comments/2f9ej9/statutory_rape_vict... including this one:
reddit said: Wound up in this sort of situation. Worked hard to provide for and spend as much time with the child as possible during the first three years of their life. The mother filed for support from the state. The first thing the state did was unleash child-support services on me to levy multiple years of back-support.
Walked into their offices with bank records and details I felt supported my active involvement in the childs life during that time. The state would not accept this, calling these contributions 'gifts' that would not be counted towards the amount owed.

and
reddit said: Same thing happened to my wife. She ended up moving out and paid for the med bills, mortgage, utilities etc for another year. Ex took her to court for Child support. She said the same thing. They said those are gifts. You still owe. The child support system is supremely *******up.

Many people on FWF, myself included are not married, nor do they want to be married. Many are happily living together without being married (I'll refer to this as nonmarriage) and some are raising children together. Unfortunately, reality is, that relationships sometimes do end up going sour. Couples break up and go their separate ways. In my state, Texas, courts can allow for retroactive child support. Here is what I found on one of the legal resource websites:
[L=http://www.lanwt.org/txaccess/backchildsupport.asp said: Another]http://www.lanwt.org/txaccess/backchildsupport.asp]Another[/L] scenario would occur if you are not married. In that case your child support obligation could begin at the time of the child's birth. You could also be ordered to help pay prenatal and postnatal expenses for the mother that were not covered by insurance.

Here is a sample scenario. Let's say a man and a woman are in a nonmarriage (living together but not married legally). They decide to have a child together and everything is fine for 10 years. When the child is 10 years old, the parents split up. What is there to prevent the woman from trying to claim child support going back to birth? What if she claims that the contributions made by the father during the first 10 years of the child's life were "gifts"? Granted, the average FWF reader probably has much better access to legal resources than the average redditor, so they're less likely to be screwed over, but the question remains how do you prevent yourself from getting screwed? If you were married, the courts would never allow for child support going back to birth, only to the time of separation.

I am very curious about real life situations FWF readers have encountered. My gf and I would like to have children in the next 2-5 years. How can I protect myself if we have children, but the relationship goes sour?
What preparations in case of job loss?
Added on : Tuesday September 02nd 2014 04:00:09 AM
g: 0 Posted By: RhizzleBop
Views: 118 Replies: 8 There is a lot of change going on at my company. Our department is being reorganized and I feel a couple people may be on the outside of that plan looking in. In case I'm one of those, I'm wondering what's the best approach to ensure my wellbeing as best as possible?

My wife works but hers doesnt quite cover all the bills.
Im a mechanical engineer with 11 years experience in hvac consulting, and extreme environment sealing systems such as oil and gas, semicon, industrial, etc. to be clear, I don't work in those industries, but we make sealing systems for those industries and sell to them.

We live as far south EAST as you can just about without going into Florida. My city is not a big industrial/ manufacturing city by any means. I prefer not to move because my wife has a great job she loves and we don't really want to move.

I would take a job elsewhere if it meant driving 4-6 hours and staying all week for as long as I needed to to keep the lights on.

We do have some savings. With her bringing in income we could survive a year without totally draining our savings, though it would eat up most of it.

If the worst happens, I'll be applying for anything and everything including waiting tables, or grocery store or pest treatment guy, anything. However realistically I dunno if any of those places would hire me as I'm way over qualified.

I'm already looking and updated my rsum just in case.
Mom interested in joining another industry such as finance( such as being a financial advisor or similar in banking). I'm very good with numbers and data and have an interest in that anyway. I'm also interested I marketing but that's even a further stretch from engineering.

I'm probably more prepared that 80% of people but it scares me and I want to do everything right and take the best steps forward to ensure our wellbeing.

Im thinking if the worst happens to go immediately and register to take a realestate class and get my liscense. I have a friend who can probably get me on somewhere and since I won't need a check immediately, could give me a little time to make a sale and might net more income than grocery clerk.

Anything else I should be doing in preparation?

Any hot spots for jobs I should consider for a "working remotely for a few months to a year" situation? North Dakota fracking comes to mind but id rather be able to return home on weekends.
Personal Finance Deals
g: 0 Posted By: hellokitty27
Views: 366 Replies: 0 Tanga has the Eddie Bauer Bi-Fold Leather Canvas Walletfor $5.99 w/ $1.99 shipping. Choose from Olive, Khaki or Red.

Made with genuine leather
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Clothing Deals

Tanga Coupons
g: 0 Posted By: DaysFan
Views: 143 Replies: 0 linkedNFL Hoodie T-Shirt 2 PackWas: $89.99 Now: $39.99 Clearance: 55% offItem #: 1461-12866-1041Soft NFL fleece hoodie paired with a team tee makes this a great gift. Cotton pullover hoodie shows team name and logo, with drawstring hood, ribbed cuffs and waistband with pouch pocket. Cotton tee with screen printed team logo has straight hem.

roomy big and tall fit with straight hemming
long length: hoodie is 34" (36" in Tall), tee is 35" (37" in Tall)
T-shirt has classic crewneck neckline; hoodie has drawstring hood
ribbed cuffs for style
soft, high-quality cotton
machine wash; imported

Big and tall NFL hoodie30% off code
Here's how to redeem your promo code:
1. Place one or more eligible items in your Shopping Cart.
2. Type the promo code BCLABORDAY into the Promotion Code Box, then click apply.
3. The 30% Off your entire order will be automatically applied at checkout*.
4. Continue shopping or begin checkout.
* Promo code restrictions: offer ends at 11:59pm E.S.T. Monday, 09/01/14. Offer excludes eBags, all Seta Jewelry and Fragrances, Art, and all items in the "Home Improvement" category. Discount is applied to merchandise only, not including shipping, handling or taxes. May not be redeemed for cash or combined with other offers. Not applicable on payment of prior orders, bills or charges. Excludes E-Gift cards. Cannot be combined with any other offer. Limited to one offer per customer.
Clothing Deals
g: 0 Posted By: ctgolfer
Views: 79 Replies: 0 Classic Trifold:

Measures 4 1/8" x 3 1/4" x 1/2"
Inside ID window with Easy Remove
6 Credit Card Slots
2 Additional Pockets
Full Size Bill Section, fully lined.
Alpine Swiss Logo Inside, Cross Mark Outside
Passcase Bifold (removable ID):

Measures 4 1/2" x 3 1/2" x 1/2"
Removable Pass-case Flap with ID Window
7 Credit Card Slots
3 Additional Pockets
Divided 2 Full Size Bill Section, fully lined.
Alpine Swiss Logo Inside, Cross Mark Outside
Extra Capacity Bifold

Measures: 4 1/2" x 3 1/2" x 1"
Center Flip ID & Cards
Two separate Bill compartments
Center Flip Card Case inside for extended credit card capacity
Regular Card Slots
4 Oversized Card / Paper Slots
ID Window
Flip-Out Hybrid Bifold

Measures: 4 3/4" x 3 5/8" x 1"
Bifold Wallet with a trifold flip out with ID and Card Slots
Alpine Swiss Cross Logo outside
12 Card Slots, 3 additional oversized card slot pockets
Double Bill Section has two pockets to separate large and small bills
Zip-Around Bifold

Zipper closure
Measures: 4 1/2" x 3 3/4" x 1"
Handmade and well constructed
Two separate Bill compartments
Center Flip Card Case inside for extended credit card capacity
12 Regular Card Slots
5 Oversized Card / Paper Slots
Extra Capacity Trifold

Measures: 4 1/8" x 3 3/8" x 1"
ID Windows
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Alpine Swiss Cross Logo outside
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Measures 3" x 4" x 3/8"
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Very plain very small and slim
Front Pocket wallet - Money Clip

Money Clip
Measures: 4" x 3 1/8" x 3/8"
5 Credit Card Slots, some can carry more then 1 card
ID Window
Magnet Clip Front Pocket Wallet

Strong Magnet Money Clip
Measures: 4" x 2 7/8" x 3/8"
Handmade and well constructed
Multiple Credit Card Slots
ID Window


www.ebay.com/itm/Mens-Wallets-Alpine-Swiss-Genuine-Leather-Money...
g: 0 Posted By: bru20
Views: 139 Replies: 1 1. Download Check app
https://play.google.com/store/app...gate&hl=en(android/google play)
https://itunes.apple.com/us/app/c...56092?mt=8(itunes)

2. Set up Check account.

3. Select bills you need to pay (at least one).

4. Find present box in upper right hand corner of app, select and see offer for: Today only: Get $10 off your first bill. Pay one now!

5. Select Try it now option.

6. Pay bill - MUST BE BIG BILLER

7. Enter payee and payer information, minimum amount I used was $10 (free $10).

8. At invoice, see offer for $10 off bill pay.

9. Pay bill with $10 being paid by check.

It works! You only need to pay $10, which is the $10 free you are getting. I selected one of the bills they offered to me as this is only for "big billers". This is for today, 8/30/14 only.

Check app is an Intuit company so they are legit. Yes you enter info but it is no different than if you have TurboTax, Quicken or Mint.

credit donovanky at SD
g: 0 Posted By: DizzyT71
Views: 117 Replies: 0 Dyson.USA via eBay has the(Refurbished) Dyson AM01 10" Air Multiplier Table Fan: Blue or Whiteon sale for$99.99 with free shipping.

Compare at Amazonfor $129.99.

Smooth airflow- Air Multiplier technology amplifies the airflow No chopping blades means no buffeting
Save energy- use in conjunction with air conditioning to lower energy bills by up to 20%
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Easy to clean- no grilles or dusty blades


3.9/5 Stars based on 64 customer reviews on Amazon.
Appliance Deals

eBay Coupons
Kenmore 18.2 cu. ft. Top-Freezer Refrigerator 398.88 from Sears.com
Added on : Friday August 29th 2014 08:00:06 AM
g: 0 Posted By: dynopuravida
Views: 179 Replies: 1 Kenmore 18.2 cu. ft. Top-Freezer Refrigerator - Spacious and VersatileEconomical and compact, this classic 18.2 cu. ft.Kenmore refrigerator 6880top-freezer design has improved functionality and modern, updated features. The brightly lit interior and wire shelving helps you find things at a glance. Deep, gallon-sized door bins and a full width pantry drawer give you plenty of storage. The roomy 4.1 cu. ft. freezer features deep door bins, as well as an adjustable rack and more interior space. The Kenmore refrigerator's adjustable and efficient cooling system keeps food fresh and power bills low. You'll love this new take on an old standard.

Gallon door bins easily hold jugs, bottles and gallon containers to help clear the shelves and give you space to stock up
Crafted from a completely transparent plastic, these clear storage bins give you a fast count of whats on hand, while reminding you when its time to stock up

Enhanced lighting gives you a better view of whats inside so you can quickly find condiments, produce, ingredients and leftovers..

http://www.sears.com/kenmore-18.2-cu-ft-top-freezer-refrigerator...
Appliance Deals

Sears Coupons
g: 1 Posted By: rockymast
Views: 27 Replies: 0 http://www.amazon.com/Powerful-Affirmations-Awake-Inner-Happier-...

Digital List Price: $21.46
Length: 146 pages (estimated)
WHEN WAS THE LAST TIME YOU WERE IN GOOD SPIRITSFOR NO (CLEAR) REASON?
This book shows you potent techniques and affirmations to awaken the happier, crazier, more jovial you the inner you, the child in you.
Life isnt quite easy these days, is it? Every day we are bombarded by cues and clues that gradually and ultimately depress us: bills, the news, relationships, politics, unemployment, parenting, neighborhood violencewell, you get the idea. Surprisingly, there are people who can smartly isolate themselves from this collective feeling of gloom and doom and live a happier, simpler and fuller life by reciting regularly a number of specific affirmations. Let us share them with you!
>>> The book contains a helpful Discussion Guide and a sample chapter of sequel Thanks! In Our Stars 97 Lessons of Gratitude to Ignite Your Life and Make People Like You. Through thought-provoking questions, the book gives extensive advice on how to use the discussion guide, how to inform decisions related to the topics at hand, and how to best read it alone, in reading groups, with your partner, or as part of learning activities, among others.
Totally Free Deals
Help me cut my Utility/internet/mobile bills
Added on : Monday August 25th 2014 06:00:36 AM
g: 0 Posted By: puddonhead
Views: 1 Replies: 0 What I have:
Cable & Internet:$100/mo.
I keep switching between providers every year to ensure I don't ever pay the inflated "regular rate" for cable companies.
I am personally not convinced that we need cable at all. Internet only would allow us to go down to about $50/$60 per month, but that's a battle I am yet to win with DW and is in process.

Cellphone Plan:
Me
4G LTE wireless hotspot hooked to a Verizon unlimited data plan. ($29.99 for the data plan piece)
iPhone hooked to a 2GB/mo plan. ($29.99 for the data plan piece)
DW
iPhone hooked to another unlimited plan ($29.99 for the data plan piece).
Other
Dumb-phone hooked to another line. no data plan. This line was acquired when we did the upgrade trick for DW. Not really used right now.

We are on the $70/month base plan. Our total costs are $70 (base) + $9X3 (extra lines) + $29.99 X 3 (data plans) + taxes and fees. It comes to around $160-$170.

Carrying an iPhone around is not negotiable for me or DW, to the point that it will affect my (and pretty soon, her) career. I was a late adopter to this whole smartphone thing. My first smartphone was purchased only in 2010. I got onboard when I saw that I was getting labeled technologically challenged due to my inability to respond to emails quickly from my phone etc.

The hotspot hooked to unlimited data is also a requirement. That allows my phone usage to stay below 2G and also allows me to be online when I am on the road (and I am on the road a lot).

Any suggestions or recommendations?
Merchant account and POS for a small convenience store
Added on : Sunday August 24th 2014 07:00:50 PM
g: 0 Posted By: npetunina
Views: 80 Replies: 0 My wife is about to start a convenience store
The majority of transactions are expected to be cash (area specifics).
Some will be credit. Most transaction size will be small (estimating <$10-15 average). Monthly transaction volume is expected to not reach a $1000 in CC.
I like what the paypals and squares and even ems+ have to offer, but this is a retail place, and we are not going to swipe customer's credit cards on a phone or make customers sign an iPad.
So ideally
- no transaction fees
- no monthly fees
- higher percentage OK as tradeoff..
- works over internet (not another phone line).. we have wireless
- ability to call in transaction if internet is down.. we are in the boonies (i liked that about EMS+)

pluses
- integrates with POS systems.

Speaking of POS systems.. we have a regular sharp register, but would like to keep track of inventory.
Anyone used opensource like Unicenta or OpenBravo? I am relatively computer savvy and not afraid of opensource.

Edit1: Looks like Square has an offline mode, but shows up as Square on customer's bills.. still no fan of Square other than pricing.

edit2: What Unicenta supports:Right now uniCenta oPOS comes withAuthorize.netFirst DataLa CaixaPayPointPaymentsGatewayPlanetauthorize

edit3: looks like merchant warehouse (highly regarded on FW) uses authorize.net.. sent them a msg.
edit4: costco evalon, has mixed feedback on this site, but even their relatively low fees (not sure about additional fees they may have beyond) make only transactions north of 17$ better suited for retail plan than "mobile" plan they offer:http://www.costco.com/merchant-account.html
Discussion Deals
CapialOne Online Checking and Bill Pay Service
Added on : Saturday August 23rd 2014 07:00:49 PM
g: 0 Posted By: SinbadS
Views: 20 Replies: 0 Does anyone here know if you can pay bills with CapialOne Online Checking? Mine says not available.
Credit Deals
Using HSA to pay for somebody else
Added on : Thursday August 21st 2014 07:00:08 AM
g: 0 Posted By: Al3xK
Views: 153 Replies: 8 Can I used my HSA to pay for an uninsured friend's medical bills? I read about my HSA on my bank's website, but it just says who can contribute and stuff like that.
Personal Finance Deals
Anyone else have issues with Bank of America?
Added on : Wednesday August 20th 2014 10:00:11 AM
g: 0 Posted By: timgodsil
Views: 113 Replies: 8 When I opened a checking account with Citi, I emptied my account at Bank of America. However when I typed the amount, I was off 3 cents, and was charged an overdraft fee.

Ok, my fault, I made a mistake, and take the blame.

So I called and they withdrew the fee, kept going on and on about how "valued of a customer I was", and such.

So I transferred money back out of Citi to BOA. A couple days later, my account became positive, then less than 2 hours later, became withdrawn over 25 dollars, an "extended overdraft fee" was charged.

Even though I made the account positive, they state since it was overdrawn so long, the positive balance "did not matter" as their fee is based on time, not balances.

My "valued relationship" ran short, as they said they won't refund the fee.

To make matters worse, I don't get paid for another week, and they said if I don't pay this within another 5 days, they will ding me again. I usually don't live paycheck to paycheck, but I had a lot of bills come up this month, more than usual.

Here is the screen cap I took.

http://i61.tinypic.com/2nl7hpv.png




Deposits Deals
g: 0 Posted By: ctgolfer
Views: 152 Replies: 0 Product Features:
Crafted with attention to detail using traditional sewing techniques
Made with genuine leather
Canvas lining creates great contrast with all contents
Canvas and leather exterior matched with a middle layer
2 lengthwise pouches for bills
2 hidden credit card pockets for your more valuable cards
9 visible card pockets provide ample storage and ready access for your important cards
ID window on the inside middle for easy identification display
Available in three beautiful colors

What You Get:
Eddie Bauer Leather Canvas Wallet (Choice of Khaki, Olive or Red)


www.dailysteals.com/#deals/30392
Clothing Deals
g: 0 Posted By: ctgolfer
Views: 97 Replies: 0
VIZIO Internet Apps Plus Instantly enjoy the latest hit movies, TV shows, music and even more premium apps straight from the Internet to your TV.
Full-Array LED backlight Distributes LEDs across the entire screen delivering superior light uniformity and picture performance.
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Advanced color management Ensures optimal accuracy of color and detail across all your devices.
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New TV settings menu with built-in user manual More intuitive menu system with quick, onscreen access to the user manual. No need to search for a paper user manual.
Ambient Light Sensor Intelligent backlight sensors automatically adjust to surrounding brightness for a great picture in any room.
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http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&...


LED TV Deals

Dell Consumer Coupons
Inside the Dark, Lucrative World of Consumer Debt Collection
Added on : Friday August 15th 2014 07:00:07 AM
g: 0 Posted By: NEDeals
Views: 59 Replies: 1 " ...These huge, routine sell-offs have created a vast market for unpaid debts not just credit-card debts but also auto loans, medical loans, gym fees, payday loans, overdue cellphone tabs, old utility bills, delinquent book-club accounts. The scale is breathtaking. From 2006 to 2009, for example, the nations top nine debt buyers purchased almost 90 million consumer accounts with more than $140 billion in face value. And they bought at a steep discount. On average, they paid just 4.5 cents on the dollar. These debt buyers collect what they can and then sell the remaining accounts to other buyers, and so on. Those who trade in such debt call it paper. That was Aaron Siegels business.

It turned out to be a good one. Siegel quickly discovered that when he bought the right kind of paper, the profits were astronomical. "

Full Article
www.nytimes.com/interactive/2014/08/15/magazine/100000003056642....
Discussion Deals
Where is the money?
Added on : Wednesday August 13th 2014 03:00:06 PM
g: 0 Posted By: readytofly
Views: 171 Replies: 4 As I write this, I am contemplating my next move. Actually, I have been contemplating for a while. I am currently trying to finish my degree in finance. I took a construction job making more money than I thought I would be making, but its not what I want to do forever, its just paying the bills. Everyday my parents are breathing down my neck, asking me what I am going to do. My dad always tells me "I can get you this job here making XXXX", and its always something I dont want to do, and it just makes me so mad, but I know he just wants me to figure everything out.

There are two paths I have considered: becoming a financial advisor, or a police officer. Nearly everyone I meet tells me not to go the advisor route, for many reasons I hear. Even people in that position tell me not to do it. I hear a lot about job security for advisors. I like "business", I like the markets (I used to daytrade, now I just invest my money and friends/family money), and I generally like most things related to finance. I have always wanted to be an officer. To be honest though, I dream of more money than that. Being an officer isnt about the money, but if I become an officer I would probably love it but I wouldnt be happy with the money.

My friend works as an advisor for a bank, and he started at about $20k less than I am making in construction. Another friend was an advisor for MS, and he ended up quitting and telling me how bad it was. These are on top of the other people I mentioned earlier. So now I am having doubts if this is what I should do.

What other options in the finance field are in demand and make good money? Any other advice is appreciated!


New User Question Deals
TD Bank Credit Card $200 Bonus after $500 spend
Added on : Monday August 11th 2014 03:00:08 PM
g: 1 Posted By: itismejs
Views: 138 Replies: 3 http://www.tdbank.com/personalcreditcard/easyrewardscard.html

Earn 20,000 bonus points or $200 Cash Back when you spend $500 within 90 days after account opening.1
Earn 5x rewards points on eligible purchases with your TD Visa credit card, including dining, groceries, gas and cable, phone and utility bill payments for the first 6 billing statements after account opening1
0% introductory APR on balance transfers for the first 12 billing statements after account opening after that, your variable APR will be 9.24% to 23.24%, based on creditworthiness1
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Deal Deals
g: 0 Posted By: remick
Views: 72 Replies: 0 http://www.amazon.com/gp/product/B007KQFI3Q

The new intriguing guidebook through the most likely repairs you will need to make or have made in your lifetime. A quick hitting, fun to read, book that shows you how to keep your home and appliances working like they should.

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$ ~ Hone and Sharpen Your Troubleshooting Skills



Building Your Retaining Wall: A Complete Step-by-Step Guide
http://www.amazon.com/gp/product/B00IO4XAGK/

Have you ever thought about turning that pile of dirt in your yard into an attractive planting area, but never knew where to begin? Do you want to have a retaining wall in your yard, but you shudder at the thought of spending thousands of dollars to pay someone to do it for you? Well, this comprehensive book will guide you through the entire process. I cover everything from: planning, getting supplies, digging the trenches, and laying the stones. I have included a full materials list, explanations, step-by-step instructions, troubleshooting tips, and over 50 full-color photos.
If you are planning on building your own retaining wall and have never built one before, then this book is for you. I am hoping that as you read through this book and view the photos, it will give you some ideas as you begin the journey of Building Your Retaining Wall.
Books & Magazines Deals
g: 0 Posted By: ctgolfer
Views: 79 Replies: 0 Economical and compact, this classic 18.2 cu. ft. Kenmore refrigerator 6880 top-freezer design has improved functionality and modern, updated features. The brightly lit interior and wire shelving helps you find things at a glance. Deep, gallon-sized door bins and a full width pantry drawer give you plenty of storage. The roomy 4.1 cu. ft. freezer features deep door bins, as well as an adjustable rack and more interior space. The Kenmore refrigerator's adjustable and efficient cooling system keeps food fresh and power bills low. You'll love this new take on an old standard.

Gallon door bins easily hold jugs, bottles and gallon containers to help clear the shelves and give you space to stock up
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White
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Black
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Methodology used to calculate FICO scores changing
Added on : Thursday August 07th 2014 08:00:04 PM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 0 A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans.

Fair Isaac Corp. FICO -1.19% said Thursday that it will stop including in its FICO credit-score calculations any record of a consumer failing to pay a bill if the bill has been paid or settled with a collection agency. The San Jose, Calif., company also will give less weight to unpaid medical bills that are with a collection agency.

The moves follow months of discussions with lenders and the Consumer Financial Protection Bureau aimed at boosting lending without creating more credit risk. Since the recession, many lenders have approved only the best borrowers, usually those with few or no blemishes on their credit report.

As of July, about 64.3 million consumers in the U.S. had a medical collection on their credit report, according to data from credit bureau Experian. And of the 106.5 million consumers with a collection on their report, 9.4 million had no balanceand won't be penalized under the new credit-score system.

FICO Recalibrates Its Credit Scores

Interesting... looks like lenders are running out of people to loan money to and reaching into the bottom of the barrel.

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
Credit Deals
Friend wires large-sum money from overseas
Added on : Wednesday August 06th 2014 06:00:03 AM
g: -1 Posted By: dtzboy
Views: 127 Replies: 3 Hi All
a close friend wants to wire large-sum ( > 300k) into my bank account, and i would use this money to help him buy some big ticket items and pay off his bills.
is this okay? will i have any issue with IRS?
i am not making $$ on this. i am just trying to help a friend.

Thanks FWers.


Personal Finance Deals
g: 1 Posted By: DaysFan
Views: 196 Replies: 2 http://www.qvc.com/LG Tracfone Prepaid Cell Phone w/ 1500 Minutes & Protection PlanRetail Value: $249.99QVC Price: $88.00Today's Special Value Price:$71.97Good until August 6, 2014 2:59 a.m. ETFree ShippingLooking for the convenience of a mobile phone without the hassle of a monthly plan? Set yourself free from contracts and enjoy calls, text, email, and the Web with the LG306G prepaid TracFone.

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And don't forget the 1,500 minutes/one year of service that's included--once you're set up, you've got plenty of minutes to use right away for talking, texting, and data. Triple minutes for life lets you get more mileage out of all future TracFone minutes you purchase. Plus, you also get the Wireless 4 Life replacement plan which means you can replace your phone if it is lost, stolen, or damaged--and you will always have the LG306 or a comparable phone.

From LG.

Your phone must be activated within 60 days from the order date in order to redeem the promotional minutes.

Wireless capability may require a network connection, accessories, and/or a service fee. Use of Bluetooth technology may require software and accessories.

Please consult the manufacturer's documentation regarding the safe and proper use, handling, storage, charging, and disposal of products containing lithium-ion batteries.

Includes LG306G TracFone with pre-installed 4GB microSD card, AC adapter, car charger, phone cover, Wireless 4 Life premium protection plan, and 1,500 minutes for one year
Compatible with GSM 3G networks
TracFone operating system
3.2" diagonal capacitive touchscreen display with 240x320 resolution
256MB internal memory
802.11b/g Wi-Fi
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2 megapixel rear-facing camera with video recording, 1600x1200 resolution, continuous shot, night mode
Supports many audio, video, and image files
Limited Web browser
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Text, picture, video, and voice messaging
TracFone game and app store; not compatible with Android apps
Preloaded tools: 1,000-contact phone book, alarm clock, calendar, notepad, tasks, calculator, tip calculator, stopwatch, and unit converter
1,500 mAh battery
microSD memory card reader
Micro USB port
Measures approximately 4"L x 2-1/2"W x 3/8"D; weighs 3.72 oz
Cannot ship to Guam, PR, VI, P.O. Boxes
CSA listed adapter; 1-year LMW
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Cell Phones Deals

QVC Coupons
BELIEVE the bs that your boss pays half of your SS?
Added on : Wednesday July 30th 2014 02:00:08 PM
g: -7 Posted By: nicj4070
Views: 169 Replies: 5 No, you pay all of it. your boss just helps Big Bro steal it from you, like he does your other taxes. Say you're my boss, you pay me $10 an hour. SS, unmploye, etc, add another $1 per hour. you must be able to turn a profit, after paying the ENTIRE $11 per hour. He doesn't CARE who it goes to, it's still all of it one of his expenses. Say SS magically disappeared, can he STILL charge you that $1 an hour "extra" out of your check? what if his competitor is paying the full $11 an hour to HIS workers, hmm? who will you soon work for? Whom will you be mad at? To whom will you tell everything you know about your old boss? So you see, you ARE paying all of your SS 15%. it's a tax, just like all the rest of it, and if you're less than 50 years old, you'll never see a dime of it, either. The $ bill is going to collapse before you're 70 (which will be YOUR minimum retirement age. The baby boomers are going to collapse SS, and with it, the $. Politicians don't DARE touch current SS policies, so they will just inflate the $ the rest of the way into worthlessness. it's already only worth 1.5c on what USED to be a $ (vs price of gold) A $20 bill, 100 years ago, bought an oz of gold. Now it takes (approx) 65 of those same $20 bills to buy that oz of gold.
Discussion Deals
liability insurance for rental property
Added on : Wednesday July 30th 2014 07:00:08 AM
g: 1 Posted By: bxd20
Views: 105 Replies: 1 Hello.

My mom just passed away. My parents have a small (888 sq ft) house in FL. My dad is older now and he won't be traveling there by himself for vacation. So the options are to sell it, or, turn it into a vacation rental property and list on vrbo / homeaway.

I am trying to accurately break down all costs to rent it out. We'll need a property manager that is local obviously. There will be things that break, maintenance, etc.

The main focus for my thread however is insurance. This house can't be insured due to proximity to beach and the general hurricane threat. I am willing to risk losing the structure to storm. However, I'm not keen on a renter getting injured and suing me. Let's say my property manager really missed something semi-dangerous, a screw that backed out of the carport supports. Renter walks into it, big gash on head, thousands in hospital bills. Or worse.

What are my options? I am not very familiar with liability insurance or umbrella insurance. Are those what I should be looking at? It would need to protect all of my dad's assets against a freak accident . My dad and I are both quite risk averse, so the idea is a little worrying. But the area is in good demand, there are other homes on vrbo, and it would be a nice income stream.

All comments are appreciated!
Personal Finance Deals
Dealer turns it around on customer, pays them in Pennies
Added on : Tuesday July 29th 2014 09:00:06 AM
g: 1 Posted By: forbin4040
Views: 279 Replies: 4 http://abc7news.com/business/car-dealership-pays-back-woman-in-p...

The lady was owed about $300 in cash from the dealer and got the DMV to force the dealer to pay her back, so they paid her back with 2 bags of Pennies (And some dollar bills)

Wow we usually read how FWers pay people in Pennies but a business doing the same thing to a customer? wow.
General Economics Deals
Taxes for receiving "gifts" from friends living with me
Added on : Tuesday July 29th 2014 07:00:08 AM
g: 0 Posted By: protagZ
Views: 178 Replies: 15 I have three friends staying with me who give me checks each month as gifts. Whether I use this money for utilities or bills, I receive them as "gifts". Some are labeled as "For: Gift" and some are just blank. The total amount is about $6,600 from each of them. If an audit ever occurs, I'm not doing anything wrong, am I? It is not a rental property, and it is not rental income, as I am receiving this money as solely a generous gift. What would be different if I received cash instead? I can easily take cash also.
Personal Finance Deals
g: 0 Posted By: jaytrader
Views: 226 Replies: 3 http://money.cnn.com/2014/07/29/pf/debt-collections/index.html?i...
cnn money said: An estimated 1 in 3 adults with a credit history -- or 77 million people -- are so far behind on some of their debt payments that their account has been put "in collections."

That's a key finding from a new Urban Institute study.

It examined non-mortgage debt, including credit card bills, car loans, medical bills, child support payments and even parking tickets.
...
The debt in collections ranged from as little as $25 to a whopping $125,000. But the average amount owed was $5,200.
...
Among the states,Nevadahad the highest percentage of residents with debt in collections -- 47% - as well as the highest average amount owed - $7,198. That was helped in part by the Las Vegas metro area, where 49% of residents had debt in collections.
...
The study, conducted with Encore Capital Group, is based on a random sample of 7 million people's TransUnion credit files in 2013.

Damn, we got issues, son! Basically, according to the article*, every other person that lives in Vegas has a collections account or accounts. That is mind-boggling. I bet that doesn't include the money they owe to loan sharks, either.

*sample of 7 million TU files.
Discussion Deals
Request for long term financial guidance for my retiring mother
Added on : Monday July 28th 2014 02:00:10 PM
g: 0 Posted By: Dell4600
Views: 46 Replies: 0 Hi guys, yet another post where one of us bares all (or bares enough to ask the question) and asks for financial guidance and advice.
My mother called me this weekend to lay out her current situation, asked if I was 'good at investing' and could help her. Well given that my portfolio is down about $14,000 in the last five days I can definitively say I'm not good at investing, but as a long term member of this board I know quite a few people that are

Her current situation:
Age 67. Divorced 40+ years ago, never remarried.
Her mother recently died (which is what is driving her to reconsider her current financial situation), leaving her a small inheritance. On the order of $50,000 already received, with another $100,000 to $200,000 still being sorted out.
She bought a smaller 2 bedroom condo in Chandler, AZ about 13 years ago (before the bubble), paid about $60k for it. In the time since then it doubled in value, then dropped again like everyone else's. She recently paid it off with the initial proceeds of her inheritance. She hasn't kept it current and modern and it sounds like it needs a little work, but we didn't get into details. In her mind it would sell for $35,000 to $40,000, but according to Zillow and Trulia it's worth right at $90,000.
Still working at the same job she's been working at forever (dozen years or more), recent pay raise to about $15 / hour. Raises haven't been plentiful nor numerous, and she said that over the past ten years she's been averaging between $24,000 and $28,000 per year income. I include this information to help with the Social Security calculations.

Needless to say, she's risk averse, and doesn't have the means to replace her inheritance if it vanishes. One of her concerns is that she leave me something when she eventually passes (insurance policy), but I am doing ok for myself and would rather she live a fuller life.

I asked her about the possibility of having a studious college age young woman share her condo (ie, roommate situation, not sure that's the right term when you rent to a college age kid), but she is very much against that idea.

-=-

Some of my math:
Condo breakdown : PITI - PI = ~$400 / month. Taxes = ~$40 / month. Condo fees : $170 / month. Since the condo just got paid off the $400 / month is no longer, but I mention it for baselining historical expenses vs income.

Her monthly take home has been somewhere in the $2,000 / month range, which defines her monthly outlay. She was paying all her bills from that, has no debt, but no real savings either. Thus I estimate her monthly was roughly $1900 / month including the condo $400 / month, meaning she could continue her current standard of living on roughly $1500 / month, not indexed for inflation.

Given that her mother just died, if her mother was 87'ish, I would estimate her savings would need to last her 20 years (plus or minus).

She's of the age to go onto Social Security without the 'retire early' penalties. I used the quick SS estimator to ballpark her monthly SS benefits at approximately $1150 / month. Thus she needs another $350 / month to maintain her current lifestyle, but honestly she's been living it pretty spartan and I'd like to see her have a little more to enhance her life (ie, she may not run the air conditioner in order to save money, even in the Arizona summer.)

Options include :
- The Vanguard investment fund mentioned in the last post (someone in NYC asking what to do with $250,000), so her $150,000 +/- at 4% would yield $6,000 / year ($500 / month) in passive income pretty much forever without touching the principle. Is sufficient, actually, but doesn't index for inflation so she may run thin later on in life when groceries / gas / whatever gets more expensive.
- Reverse mortgage. Requesting ideas and discussion on this one, as I'm not familiar with it from a practical perspective beyond the commercials on TV.
- I considered buying her condo from her at a price somewhere between what she thinks what it is worth and current market value, let her live in it forever (she intends on leaving it to me in her will, but if it is still in her name when she gets to means tested assistance (medicade, etc) the will likely take it from her and she won't have anything to leave behind for me, one of her concerns.) If I buy it from her now, that money can go into her investment fund (returning 4% or whatever) to increase her standard of living for the long run, and when it is finally time for her to pass I will still own it, 10-20 years from now, as it was mine, not hers for the government to liquidate before they provide her with means tested assistance. I don't know how all that works (arms length transaction is the phrase that comes to mind, but if I buy it for fair market value we weren't trying to hide it or anything.) If I have the means to buy it from her (without ripping her off), please compare and contrast this vs Reverse mortgage.
- Annuities - I've heard the phrase used plenty of times but generally in a news piece about an elderly person getting scammed. Requesting some real guidance and experience here to keep that from happening to her.

Finally, she could keep working a few more years, but does that really buy her anything. In other words, if she postpones retiring / going on SS for another two years, will her SS benefits be more each month, or would she get the same as if she retired today (thus she can decide whether she wants to stop going to work today and between her SS and investment income still have enough to live on.) ARG!!! According to this (http://www.ssa.gov/retire2/whileworking.htm ) she could have started receiving full benefits a year ago (when she turned 66) regardless of her income from work. Double ARG!! - she can apply for it retroactively, but they only back-pay 6 months worth. ARG!!! - Any advice here?

Actually given that I know that, I'm going to get her to start the paperwork on her SS, get her back pay and she can augment her monthly income by that $1150 / month (she will feel rich!). I figure she will work another year or two (or as long as they let her keep coming, she's a trooper!) But what about after that...

In light of all that, please help me point her in the right direction.

Thanks much,
Dell4600
contingent basis lawyer question in california
Added on : Tuesday July 22nd 2014 09:00:06 PM
g: 0 Posted By: xlawabidingcitizenx
Views: 31 Replies: 0 My sister had a slip and fall accident over the weekend at a local spa and broke her arm. And she hired a personal injury lawyer on Monday. She got a call from our uncle today saying that he's friends with the spa owner and asked her to stop with the lawsuit and break the retainer agreement with the lawyer since he'll have his friend pay for all the medical bills and any other expenses arise due to the injury.
But I'm thinking it's not as easy as it sounds since she's retained the lawyer on a contingent basis. I've told our uncle about it but he's saying that it should not be a problem at all if any fees or expenses incurred since Monday is paid in full.
Is this true?
Question Deals
g: 0 Posted By: jisab
Views: 93 Replies: 0 http://www.amazon.com/StorageIdeas-Compartment-Chocolate-Organiz...

was: $69.99
sale: $39.99

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Home & Garden Deals

Amazon Coupons
Financial implications of injury from auto accident
Added on : Wednesday July 16th 2014 04:00:08 PM
g: 0 Posted By: WhamBamTk
Views: 115 Replies: 0 Hello Fatwallet,

Please excuse the throwaway.

My wife was involved in a small car accident. She was rear-ended while stopped at a crosswalk. The other driver was cited.

The accident was at a relatively low speed. The other driver's car hit our trailer hitch and had some front bumper damage. Our car had some chipped paint on the bumper. No big deal; it's older.

She was experiencing some neck pain at the scene and was transported to the hospital via ambulance for x-rays. She already receives SSDI for an issue that - in part - involves her neck.

We have two uncertainties at this point:

1.) We are afraid about how our health insurance will treat this in the long term. That is to say, after this is all sorted out with the car insurance companies, would they ever blame long-term neck issues on the accident and deny payment?

2.) Is this something that requires a lawyer? The medical effects from this accident appear minor at this time, but we will know more later. Right now, we are not looking for anything but the payment of medical bills. We will not know the full extent of those for at least a few months.

I haven't seen a scenario like this on previously posted threads and would greatly appreciate any advice.

Many thanks.
New User Question Deals
Current Financial Situation: Need Advice
Added on : Monday July 14th 2014 11:00:05 PM
g: 0 Posted By: nickygrahn
Views: 38 Replies: 0 Hello fellow forum members. This is my second topic since I've been registered here and the previous input was very helpful for me, so much so that I'm seeking advice again. This may get lengthy but I want to describe to the best of my ability what my current situation is financially. What I'm looking for is some inputs, though I know they'll be varied, on what I should do for future security. So here it is and again, I greatly appreciated the previous input. Your guys' knowledge with money is fantastic and I'm sure you have changed lives.

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


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

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

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

Insurance Deals
Ooma Telo VoIP Home Phone System $79.99 +s/h Woot
Added on : Sunday July 13th 2014 05:00:06 AM
g: 8 Posted By: homersaysdoh
Views: 3155 Replies: 27 Ooma

Ooma Basic Member Features:

Plug your high-speed Internet connection into Ooma Telo, plug your home phone into Ooma Telo, activate, then call your phone company and tell them to stop sending you bills
Free U.S. Calling call anyone, anywhere in the U.S. (only pay applicable taxes and fees)
Enjoy the convenience of caller-ID and call-waiting at no extra charge
Make international calls starting at a penny per minute (international rates)
Call another Ooma customer anywhere in the world for free
Ooma PureVoice technology delivers unmatched voice clarity and reliability
Ooma HD Voice doubles the audio frequencies transmitted to deliver a richer, more natural sounding conversation to calls between Ooma Telo customers (an Ooma Telo Handset or HD compatible telephone is required to support Ooma HD Voice)
Get crisp acoustic performance with advanced features like voice compression and adaptive redundancy
Encrypted calls, get superb sound quality, security and range without interfering with your Wi-Fi network or other home electronics
Standalone device compatible with your existing home phones and most fax machines no computer or headset required
Access your voicemail remotely from any phone or web browser
The option to get a new number at no charge or keep your current phone number (one-time porting fee of $39.99 - if available to port)
Ooma is highly intuitive to set-up most customers are up and making calls in less than 15 minutes
When you dial 911, emergency personnel will automatically have your registered address
Hear messages, check call logs and control your preferences online
Check your calling history from any Internet-connected computer or mobile device
Ooma is a high-performance firewall router, with QoS support, that allows you to setup home-based servers and other network devices
Ooma Premier Member Features (additional fees apply):

Premier customers in the U.S. can call anywhere in Canada for free except to the Northwest Territories; calls to that area will be charged at Oomas normal international rates
Make or take two simultaneous calls with the Instant Second Line
Option to choose additional phone numbers
Experience the greatness of Google Voice on your Ooma system access Google Voices Voicemail, Call Presentation, Listen In, and Caller-ID features
Ring your home and mobile phone simultaneously with Multi-Ring
Forward voicemail to your email or smartphone
911 Notifications - if emergency services are called from your Ooma phone number you'll be alerted by email or text message the very moment it occurs
Make calls over Wi-Fi from compatible smartphones, including iPhone, iPod touch and Android based smartphones, with the Ooma Mobile app (purchase and installation of Ooma application on compatible smartphones required)
Link your mobile phone to your Ooma Telo using the optional Ooma Bluetooth adapter ($29.99)
Screen callers and listen in to their message before answering
Block unwanted callers with Anonymous Call Blocking, Personal and Community Blacklists, and one touch Do Not Disturb
Transfer a call to voicemail by pressing the Send to Voicemail button any time after you say hello
Get some peace and quiet whenever you want by simply pressing the envelope icon for (2) seconds all of your calls will roll into voicemail without ringing
Whether you are doing business or chatting with friends, three-way conference calling has never been easier
Read your voicemail instead of listening to it get your messages wherever theres email access on a mobile phone, portable device or computer (available to Ooma Premier subscribers for $9.99 per month plan includes 40 messages, additional messages are $0.25 each)
Keep up to date with new message notifications that can be sent to any email address or SMS-capable mobile phone
Enjoy the ultimate convenience of having your voicemail messages forwarded to your email now you can listen to messages from your preferred mobile or desktop email client
Sign-up for a year of Ooma Premier ($119.99) and get a free number transfer, Bluetooth Adapter, Wireless Adapter or Extended Warranty
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A physical address is required for delivery. No Military or PO Box shipments available

Warranty: 180 Day Ooma Warranty
Home & Garden Deals

woot! Coupons
Ooma Telo VoIP Home Phone System $79.99 shipped Woot
Added on : Saturday July 12th 2014 04:00:03 AM
g: 0 Posted By: homersaysdoh
Views: 7 Replies: 0 Ooma

Ooma Basic Member Features:

Plug your high-speed Internet connection into Ooma Telo, plug your home phone into Ooma Telo, activate, then call your phone company and tell them to stop sending you bills
Free U.S. Calling call anyone, anywhere in the U.S. (only pay applicable taxes and fees)
Enjoy the convenience of caller-ID and call-waiting at no extra charge
Make international calls starting at a penny per minute (international rates)
Call another Ooma customer anywhere in the world for free
Ooma PureVoice technology delivers unmatched voice clarity and reliability
Ooma HD Voice doubles the audio frequencies transmitted to deliver a richer, more natural sounding conversation to calls between Ooma Telo customers (an Ooma Telo Handset or HD compatible telephone is required to support Ooma HD Voice)
Get crisp acoustic performance with advanced features like voice compression and adaptive redundancy
Encrypted calls, get superb sound quality, security and range without interfering with your Wi-Fi network or other home electronics
Standalone device compatible with your existing home phones and most fax machines no computer or headset required
Access your voicemail remotely from any phone or web browser
The option to get a new number at no charge or keep your current phone number (one-time porting fee of $39.99 - if available to port)
Ooma is highly intuitive to set-up most customers are up and making calls in less than 15 minutes
When you dial 911, emergency personnel will automatically have your registered address
Hear messages, check call logs and control your preferences online
Check your calling history from any Internet-connected computer or mobile device
Ooma is a high-performance firewall router, with QoS support, that allows you to setup home-based servers and other network devices
Ooma Premier Member Features (additional fees apply):

Premier customers in the U.S. can call anywhere in Canada for free except to the Northwest Territories; calls to that area will be charged at Oomas normal international rates
Make or take two simultaneous calls with the Instant Second Line
Option to choose additional phone numbers
Experience the greatness of Google Voice on your Ooma system access Google Voices Voicemail, Call Presentation, Listen In, and Caller-ID features
Ring your home and mobile phone simultaneously with Multi-Ring
Forward voicemail to your email or smartphone
911 Notifications - if emergency services are called from your Ooma phone number you'll be alerted by email or text message the very moment it occurs
Make calls over Wi-Fi from compatible smartphones, including iPhone, iPod touch and Android based smartphones, with the Ooma Mobile app (purchase and installation of Ooma application on compatible smartphones required)
Link your mobile phone to your Ooma Telo using the optional Ooma Bluetooth adapter ($29.99)
Screen callers and listen in to their message before answering
Block unwanted callers with Anonymous Call Blocking, Personal and Community Blacklists, and one touch Do Not Disturb
Transfer a call to voicemail by pressing the Send to Voicemail button any time after you say hello
Get some peace and quiet whenever you want by simply pressing the envelope icon for (2) seconds all of your calls will roll into voicemail without ringing
Whether you are doing business or chatting with friends, three-way conference calling has never been easier
Read your voicemail instead of listening to it get your messages wherever theres email access on a mobile phone, portable device or computer (available to Ooma Premier subscribers for $9.99 per month plan includes 40 messages, additional messages are $0.25 each)
Keep up to date with new message notifications that can be sent to any email address or SMS-capable mobile phone
Enjoy the ultimate convenience of having your voicemail messages forwarded to your email now you can listen to messages from your preferred mobile or desktop email client
Sign-up for a year of Ooma Premier ($119.99) and get a free number transfer, Bluetooth Adapter, Wireless Adapter or Extended Warranty
Shipping Note: Shipping to Alaska and Hawaii is not available for this item

A physical address is required for delivery. No Military or PO Box shipments available

Warranty: 180 Day Ooma Warranty
Electric company thinks I don't have service
Added on : Friday July 11th 2014 11:00:06 AM
g: 0 Posted By: dobby10
Views: 178 Replies: 5 I just realized this week that I hadn't seen an electric bill in a while. So I logged into my account and saw the last bill from early June, that was only for 5 days of service. I dug deeper and saw that their website stated my account was closed so I would be unable to pay online, or submit meter readings.
I sent them an email inquiring (their phone hours suck and there's always a wait on the phone). They email back 2 days later, "our records show you're service is disconnected as of may, please call if that's incorrect". I replied back, that their records are wrong and they need to correct them, should they need to speak to me, here's my number.

Any thoughts on what's my responsibility here? I've done some diligence in trying to get them to correct their records, but I'm not planning to go out of my way to correct their screw-up.
Free electricity? Pay your bills deadbeat?
Discussion Deals
Deeply in debt and wants to retire
Added on : Tuesday July 08th 2014 06:00:07 AM
g: 1 Posted By: diquando
Views: 237 Replies: 8 I'm my own worst enemy and basically the root of all of my problems is my behavior.

Had to get that out of the way. Anyway, here's my story.

Mid 50's work for local government and have enough service years in that I can retire with a full pension. I make about 75k a year and will get about 50k in a pension. I have about 120k in a 457 plan that is only there because they won't let me borrow/withdrawal from it. So things seem okay as far as being "to live" in retirement. No kids, (raised my sis 2 kids though and they're both in their early 20's and working -- not a huge financial burden there), no spouse. (No savings either).

I owe about 115k total -- that's the house, the car and 50k of cc debt. Owe 53k on the house and 9k on the car.

I'm a compulsive gambler and cannot stop. I've been to GA twice and as soon as I get things cleaned up a bit and see light at the end of the tunnel financially, I start again and mess everything up. When I'm not in a casino, I manage my money well; but inside a casino I'm a stone lunatic and will gamble until every dime is gone. Afraid to retire because I'll get access to the 457 account along with other one-time lump sum monies. Many people would love to have my retirement but I see my future as being broke on the 2nd of every month and living catch as catch can until the next check. I have 10 credit cards with balances on them. Plus I do cash advance stuff that can mess up my checks. On the infrequent occasion when my money is okay (didn't lose everything), I put extra on my charges. The plan is to pay them off one at a time with the cards with the highest interest rates paid off first. But I did a lot of balance transfers last year and some are beginning to expire and I cannot pay them off so I'm paying like 18 per cent on 10k, 14% on 15k, etc. I will be drowning soon.

I'm done some things like get the casino's to lower my check cashing to zero available and will talk to the bank about eliminating the advance availability, but I need to do something else to help me get control and put my money on debt. I don't know what to do really. I'm asking this from a financial standpoint. I used to chair GA meetings and I know how that works but I need a way to be able to control my income so that it will not be available for me to gamble up. I'm pissed off because I started my job 31 years ago today and I have very little to show for it. All my debts, except the house, car and medical bills are from gambling. I don't have anyone I trust enough to "handle" my money; and I believe that except for the gambling I can manage my money quite well, when there's some left over. My dream of being able to spend my time traveling (not a whole lot), on hobbies, and volunteer work is just that, a dream.

Thanks for listening
Discussion Deals
Lots of turnover at work- impact on career choices?
Added on : Sunday July 06th 2014 04:00:10 PM
g: 0 Posted By: SodiumChlorida
Views: 152 Replies: 2 Got hired in in 2011 out of college. Steady progression, including a promotion a year ago. Money is enough to pay my mortgage andbills,but nothing special (46k). Work for a large financial services company. My particular department hasbeen very stable, up until recently. Our dept headgot terminated and mydirect supervisor left shortly after that. We are left with one supervisor (my formerboss). He is on the verge of retirement (likely after a new management team isbrought in). Considering the workers in my dept, I think there willbe opportunities for me to get promoted again.

With what will likely amount to all new management, do you think I wouldbebetter off jumping ship to getbetter pay? Or stay put.and hopefully move upwards with the turnover? I have 3 years of experience at this point, and I think if I move to a new company, it would have tobe a lateral move. Although Iwould definitely get abump in pay which would be nice.

What do you think thebest move is for me career wise?
Discussion Deals
Legal Advice in Civil Injury Case and Necessary Actions
Added on : Thursday July 03rd 2014 10:00:10 AM
g: 0 Posted By: couponkid319
Views: 52 Replies: 2 Hey guys,

Sorry if this is in the wrong forum, but a little advice would be greatly appreciated. A family member of mine in PA was injured recently in an accident on public transportation, and started a civil injury case. He hired a lawyer, went to court, and has had many medical expenses. Recently, this family member received a letter informing him that a settlement had been reached and agreed to by his lawyer (without his consent.) He has talked to his lawyer, and his lawyer claims that he had verbally agreed to the conditions of the settlement which is not true. He is now trying to reach out to the court and set aside that settlement and trying to take the case back to trial. What forms must he submit to the court? To further complicate the issue, the court has said the settlement was reached in March (but he had not heard anything or had anything presented to him until last week.) His lawyer has been completely unresponsive and refuses to forward documents. The biggest problem in the settlement is that he claimed medical expenses (past and future) would be covered, but that is not at all the case. He proceeded to have my family member visit many doctors who did virtually nothing and charged exorbitant fees, which are being claimed as part of the settlement. Can he still fire the lawyer? Does he have to petition the court to have him removed? If not, what happens when the lawyer demands his settlement fees. My family member has offered to pay all consultation fees for the lawyer's time but will not accept a settlement that leaves him with nearly nothing but thousands in medical bills. What document is needed to set aside the settlement? And is this a case of "nunc pro tunc?" Please help, I'm ignorant when it comes to these subjects and spent countless hours at a law library and searching the web to figure very little out.

Thanks!
Personal Finance Deals
Surprising / Interesting Business Deductions
Added on : Tuesday July 01st 2014 05:00:05 PM
g: 2 Posted By: robronson
Views: 195 Replies: 2 Being an independent contractor traveling consultant, I look for ways to max out possible business expenses. I'm not interested in ethics, only what's legal. Nothing is ethical about how taxation works so it's just a matter of following the rules to your most advantage.

As such, I've come up with a handful of neat ideas for business deductions and I'd like to hear from others with interesting ideas:

1) Do your dry cleaning at your customer site, if you travel to a dedicated customer over long periods of time. I used to take my dry cleaning home with me every weekend, and pay extra for my local dry cleaner to expedite overnight service on Friday so it'd be ready for my flight back to the customer on Sunday. Then I learned if I had my dry cleaning done at my customer, it was a business expense, tax deduction, and more importantly, my clothes would be wrinkle-free waiting for me when I flew back. Of course, you should still travel with one pair of business clothes for one day, just in case you can't pick them up first thing Monday morning or in case of a problem. Dry cleaning is NOT a business expense if it's done in your home city, but is when you do it out-of-state at your client site.

2) Switch to a prepaid phone that bills by the minute like a 10 cents per minute plan as your personal phone, and get an unlimited minutes plan for your "business phone". Your business phone will be fully tax deductible, and your personal phone, even though you're not really paying for it if you don't use minutes, is proof to the IRS during an audit that your business phone is strictly business and your personal phone is strictly personal. Much like cars as a business expense, it's better to have a second dedicated to personal use, even if it's a cheap POS beater, so you can deduct 100% of the business car or phone.

3) Do personal errands while traveling for business. Your gas mileage is deductible when driving for business. So why not do your grocery shopping and other errands on the same trip? Then the gas is deductible at 50+ cents per mile, which, if you're driving a fuel efficient vehicle, is double your actual expense. So assuming 50% tax bracket between state, federal, and SE tax, if you're only spending half of the allowable IRS rate on fuel, then the tax break on the trip makes it completely free.

I'm considering buying other things while on business trips such as deodorant and toothpaste. I haven't looked into the rules deeply enough, but I imagine if I buy toothpaste while traveling for work, it may be a business expense. Suppose the airliner lost my luggage and I had to buy more... certainly in that case re-buying hygiene products is a business necessity for me to complete that travel. I wonder what the IRS guidelines are to decide what exactly qualifies.

What tips and tricks for maximizing business deductions have you found?

Discussion Deals
FSA BLUNDER
Added on : Monday June 30th 2014 06:00:10 AM
g: 0 Posted By: richardjmolden
Views: 35 Replies: 5 My employer overlooked my request to sign up for the FSA and it wasn't discovered until a couple of days ago when I went to turn in the bills I had accumalated. Now she is telling me that it's too late in the year and she isn't allowed to sign me up. Has anyone else had any experience with something like this?
Personal Finance Deals
g: 1 Posted By: SkyFwd
Views: 206 Replies: 0 1/2 Off a Fizzio Soda at Starbucks 6/27/14-7/3/14.

Soda available in 16 states, so check ahead to see if you Iive in one of them-here's a few I found:Virginia, Georgia, Florida, Mississippi, Louisiana, North Carolina, South Carolina, Hawaii and parts of California.

http://lp.starbucks.com/fizzio

Ginger Ale
Lemon Ale
Root Beer

Starbucks is rolling out handcrafted sodas.
Baristas will brew the sodas in stores using a Starbucks-branded "Fizzio" machine, which the company bills as a "breakthrough in carbonation technology."
A "tall" Fizzio soda will sell for $2.45. By comparison, a tall coffee costs $1.80. Three decaffeinated flavors will be available starting Tuesday: Spiced Root Beer, Golden Ginger Ale, and Lemon Ale.
With the addition of soft drinks, the company is trying to tap into the SodaStream-inspired demand for healthier carbonated beverages without artificial flavors, preservatives, or high fructose corn syrup.
Unlike the SodaStream, however, the Fizzio is able to carbonate a flavored beverage. This ensures that "every ingredient in the beverage receives the same level of carbonation and maximum flavor," according to Starbucks.
It will also allow Starbucks customers to add "fizz" to Teavana Shaken Iced Teas and Refreshers a service that will cost extra 50 cents.
The SodaStream, on the other hand, carbonates plain water and flavors can be added later.
"We are changing the game in terms of how to get a carbonated drink," Josh Fine, the brand manager for Fizzio, told USA Today. "Like what Starbucks did to coffee 40 years ago, we think we can do in the carbonation space."
The sodas will be available in 16 states, including Virginia, Georgia, Florida, Mississippi, Louisiana, North Carolina, South Carolina, Hawaii and parts of California.

Food Deals

Starbucks Store Coupons
Medical liability of sponsor of visitor visa
Added on : Wednesday June 25th 2014 07:00:09 AM
g: 0 Posted By: Veeekay
Views: 51 Replies: 0 One of the contractors I work with is on a work permit (H1) and is in the US for the past 6 months. Approx a month ago his inlaws were visting him on his invitation and he providing documentation to the State dept that he would provide financial support to them during their visit to get their visitor's visa (standard procedure).

A couple of days into the visit his MIL started to throw up and a day later she had jaundice (yellow eyes). He took her to the emergency room because she was so dehydrated. Emergency room checked her out, but ruled out Hepatitis virus. After a few rounds of diagnosis, the doctors confirmed that she had stage 4 cancer of the liver. At this point, his inlaws just want to get her to a point that she can travel back to the home country to start treatment, which the hospitals here did. His inlaws used their travel/visitor's health insurance, but provided his address as the mailing address.

Now bills are being sent to his address for the ones over the limit of what the travel insurance would cover. Speaking to travel insurance he gathered that there is over $50K of outstanding bills (so far) but don't know how much is over the limit. He does not know how to proceed. On one hand because he sponsored them, he feels obligated to pay the amount not covered by insurance. However, he fears that it may be many times over his savings. He does not want to pay part of it, because he's concerned that if this gets sent to collections (for the rest of the amount), somehow collections would make him responsible because he paid part of it.

Does anyone know what his liability is?
WesBanco Up To $200 Bonus [OH,PA,WV]
Added on : Tuesday June 24th 2014 07:00:04 PM
g: 0 Posted By: MoneysMyLife
Views: 31 Replies: 0 WesBanco is offering up to $200 in bonuses until 07/07/2014. Only for OH, PA, WV.

$25 for opening a new Checking account. The minimum opening balance is $50 for the bonus.
$25 for using your new debit card (15+ transactions)
$25 for signing up for e-statements
$25 for setting up direct deposit (make 2 deposits of at least $200)
$25 for using mobile deposit
$25 for using online bill pay (pay 2 bills)
$50 for referring a friend to WesBanco

http://www.wesbanco.com/Personal/Promotions1.aspx
Deposits Deals
g: 0 Posted By: lovelybones
Views: 233 Replies: 0 http://www.walmart.com/ip/Straight-Talk-AT-T-Compatible-Dual-SIM...


Use your own compatible or unlocked GSM phone with the Straight Talk AT&T Compatible Dual Standard and Micro SIM Activation Kit to get service on one of the best nationwide networks. With its monthly plan, this Straight Talk Activation kit offers you unlimited* data, talk and text messaging capabilities. You can keep your current phone number and not have to undergo any contracts or credit checks. This Straight Talk Activation kit works with SMS, IM, social networks, apps, email and web browsers.

Compatible with standard and micro SIM devices such as the Samsung Galaxy S5, Samsung Galaxy S4 and HTC One Max
Works with the Straight Talk $45 Unlimited 30-day service plan
Bring your own compatible GSM phone
No contracts, no bills, no credit checks
Keep your current phone number
4G speed data up to 3GBData speeds based on coverage area.

*Get unlimited talk text and high speed data for the first 3GB of data use and unlimited data at 2G speeds for the rest of your 30-day cycle
Services Deals

Walmart Coupons
Pay off all card then invest or invest now?
Added on : Tuesday June 24th 2014 01:00:06 PM
g: 0 Posted By: travelbro
Views: 224 Replies: 9 I owe about $3000 in credit card debt. Should I pay off my dept first? it will take my about 5 months to pay it off?

or should I start investing now and pay my bills slowly?

help me I am 30 years old and dont know what I am doing. Going through a midlife crisis.

New User Question Deals
Should I take the money?
Added on : Tuesday June 24th 2014 09:00:09 AM
g: 0 Posted By: bvue
Views: 218 Replies: 5 2 weeks ago my 2 year old son, husband and I got rear ended while stopped on a red light. It was definitely the other driver's fault. I would say she must have been going 25-30 mph and was not paying attention. She had no insurance so the police got involved and her car was towed. (We live in Minnesota if that matters.)

Now, since the other driver has no insurance, we are responsible for paying the deductible to fix our vehicle and the damages assessed were about $1100. Our bumper and the exhaust got damaged in the accident. The other drivers grill actually fell off her car during the impact. The deductible is $250 and will be reimbursed to us. Our insurance company has offered us $500 for "pain and suffering" and to sign a release. My husband sustained some whiplash side effects and went to the ER a couple hours after the accident. The doctor prescribed him 600mg ibuprofen and told him to take it easy. I felt fine and did not feel much soreness, but I think that is due to the fact that my husband braced himself against the steering wheel. Our insurance company is paying for the medical expenses.

The other factors are that my husband does not have a job and is currently on unemployment. I work, but our income together barely covers the bills and groceries. My husband still complains of a sore neck and back and restless sleep. My son seems fine as he was strapped securely in his carseat. My husband was not able to actively look for work due to not having a car, such as attending employment workshops and inability to schedule interviews during the time that our car was in the shop.

I did not miss work because I couldn't afford to, but was inconvenienced by using my break time to send the car to the shop. My insurance did not cover for a rental. I have had to hitch a ride with a friend to work. I don't have enough money to pay for the $250 deductible and to wait for the money to be reimbursed at a later date which has not been determined, yet.

My question is, does $500 seem like a very low offer or should I pursue for more? I am tempted to take the $500 because I need the money to pay the deductible but I can try and borrow the money somewhere else if it's likely that I can get more. I am not trying to get rich but I don't feel that $500 is fair considering my husband's distress over being hurt and unable to proactively find a job. In this situation, what would be a good amount? How would I address this to the insurance company that I think we deserve more?

Thank you for your time.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 147 Replies: 0 ENERGY STAR qualified and CEE tier II rated, this refrigerator offers outstanding efficiency to help you save money on your utility bills
Get easy access to ice, water or both at once with this touch-controlled exterior dispenser. Plus, the flush design provides a sleek, modern look
Factory installed ice maker provides crushed and cubed filtered ice
Kick the bottled water habit with the PUR water filtration system. You'll help protect the environment by preventing the disposal of up to 3,000 plastic bottles a year and save over $600 for yourself
Internal up-front temperature control system: so you don't have to reach over bottles and jars to change the settings
Temperature management system helps keep temperature steady
Spill-Catcher shelves use sealed edges to help contain spills for quick and easy cleanup
2 crispers make it easy to organize your favorite fruits and vegetables
Adjustable gallon door bins can easily accommodate large beverage jugs and other larger containers
14.6 cu. ft. fresh food compartment and 7.4 cu. ft. freezer compartment provide spacious storage options
Wire freezer shelves, a slide-out freezer basket, and on-door storage make it easy to organize your frozen foods
Streamlined design gives this refrigerator a sleek, modern look
Bright white LED lighting makes it easy to see fresh and frozen food
Side by Side refrigerator: 1 refrigerator compartment door, 1 freezer compartment door

www.homedepot.com/p/Maytag-33-in-W-22-0-cu-ft-Side-by-Side-Refri...
Appliance Deals

Home Depot Coupons
Death of Spouse, whats next?
Added on : Sunday June 22nd 2014 07:00:08 PM
g: 0 Posted By: whyhello
Views: 101 Replies: 1 Hello all-

A friend of mine has passed away, and now there have been a few questions arisen.
They were married. Man and woman. Man has passed away. Any insight information will be appreciated.
There is no will. There is no power of attorney.

Mortgage?
Under both names, husband death, widow does not work. (Contacting mortgage company to see if there was any insurance to cover the rest of the loan.)

Credit Cards? (Widow may be just an authorized user.)
Under both names, husband death. Widow liable?

Husband business?
Under husband only, husband death. Assets go to widow?

Medical Bills?
Under husband only, husband death. Widow liable?

Husbands assets - such as car, jewelry, etc?
All goes to widow?



What about for the kids of the dead spouse?

Are there any benefits in this matter?

Social Security benefits?

Kind Regards. Thanks
Discussion Deals
g: 1 Posted By: ctgolfer
Views: 218 Replies: 0 Crafted with attention to detail using traditional sewing techniques
Made with genuine leather
Canvas lining creates great contrast with all contents
Canvas and leather exterior matched with a middle layer
2 lengthwise pouches for bills
2 hidden credit card pockets for your more valuable cards
9 visible card pockets provide ample storage and ready access for your important cards
ID window on the inside middle for easy identification display
Available in four beautiful colors

www.ebay.com/itm/Eddie-Bauer-Bi-Fold-Leather-Canvas-Wallet-with-...
Clothing Deals

eBay Coupons
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
g: 0 Posted By: lovelybones
Views: 264 Replies: 0 http://www.homedepot.com/p/Maytag-24-8-cu-ft-French-Door-Refrige...

Free Delivery & Haul Away

ENERGY STAR qualified and CEE Tier I rated, to help you save money on utility bills, use less energy and help preserve our natural resources
Factory installed ice maker provides fresh ice conveniently
Up-front electronic controls make it easy to adjust the temperature without having to move stored items out of the way
Electronic Dual Cool system: thermostats closely monitor each section to help minimize temperature fluctuations
Adjustable Spill-Catcher tempered-glass shelves have sealed edges to help contain spills for quick and easy cleanup
Sealed FreshLock crispers with humidity control allow you to increase the humidity for leafy vegetables and lower it for fruits. Wide-N-Fresh Deli Drawer offers strong support and ample storage space for large party platters, deli trays and snacks
Gallon-Plus door bins provide room for gallons of milk and other large containers, freeing up shelf space for other storage needs
17.5 cu. ft. fresh food compartment and 7.3 cu. ft. freezer compartment provide spacious storage options
Glide-out freezer drawer with SmoothClose drawer track system makes storing and accessing frozen food easy. The drawer opens and closes effortlessly and holds up to 120 lbs. of food
Foam-in-Place insulation keeps cold air in and warm air out, helping to maintain temperature and save energy
BrightSeries lighting package. Incandescent interior lighting in freezer and refrigerator compartments makes finding items easy
French door refrigerator, the convenience of a bottom-freezer with the
Appliance Deals

Home Depot Coupons
g: 0 Posted By: brusbrother
Views: 248 Replies: 3 Circular says valid 6-6 to 6-16
Buy Visa debit card $500 gets 3x500=1500 gas rewards points activation is $5.95 but buy three cards get 4500 points. You can only use 2200 points per visit and it takes a max of $2.20 off 35 gallons, so go twice within 30 day period to their gas stations (fill up your boat or car and cans) = 2x$77 savings=$154 less 18 activation fees= $136 profit.
Make sure you do not get the refillable cards as they do not qualify.
Use cards to pay bills on line or at stores.
Services Deals
g: 0 Posted By: ctgolfer
Views: 75 Replies: 0 Includes: 1/2 in. Craftsman impact wrench (#16882), 3/8 in. Craftsman ratchet (#19932), 25 ft. PVC hose, two (2) male plugs, female plug, quick connect, seal tape
The Craftsman 26 Gallon Air Compressor brings professional quality pressure to your home
90 volt start up gets this powerhouse moving fast
Low maintenance, oil free, direct drive operation gives you more power, prolonged life and smaller electrical bills
500 hour life means hard cranking for years of solid service
No oil to add or change, just smooth operation
No belts or pulleys to replace for dependable performance when you need it
Easy cold weather start gets you working fast
26 gallon ASME* vertical portable tank with wheels and cushioned handle grip moves fast
Fully enclosed shroud covers working components preventing damage to vital parts
Equipped with quick adjusting pressure regulator, easy to read pressure gauges, quick connect air outlet for fast hose connection and on/off switch

www.sears.com/shc/s/p_10153_12605_00916471000P
Home & Garden Deals

Sears Coupons
g: 0 Posted By: Farfisa850
Views: 140 Replies: 1 http://www.homedepot.com/p/t/204361154?storeId=10051

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Health insurance issue
Added on : Monday June 09th 2014 12:00:15 PM
g: 0 Posted By: soonerbrink
Views: 78 Replies: 1 Anyone had to pay more because of two insurance plans?

I have two insurance plans. Primary paid the plan amount. Secondary insurance said the primary insurance paid more than the plan allowance of secondary so secondary didn't pay anything. Secondary also told me I don't owe anything because the primary paid over secondary max allowance.

I keep getting bills and I call and tell them I don't owe anything and refer them to the secondary insurance companies comments.

When I called the secondary insurance comapny this time they put me on hold while they called the provider. Secondary insurance came back and said I owe 700 dollars that I was billed because that's how it works in this state."

I asked, "So if I would have dropped the other insurance and quit paying the premium on the other insurance I would owe nothing, but because I paid the premium now I owe 700 dollars." The response was "Yes, that's how it works."

What makes it more ironic is if I only had one insurance, the provider would get paid 500 and I would be out of pocket nothing.
Because we have the other insurance, the provider gets 2000, and now they want me to pay 700.

Thought I would ask for advice before I spend hours reading the fine print of the policies.

Thanks for your comments!
Question Deals
ON SALE: Fontanelli - Black Patent Leather Zip Wallet
Added on : Saturday June 07th 2014 09:00:05 AM
A chic and spacious black patent leather wallet from Fontanelli is divided in two separate zippered sections: one for bills and cards, the other for change and extras for maximum organization. Signature dust bag included, Italian made
ON SALE: Fontanelli - Black Polished Calf Leather Zip Wallet
Added on : Saturday June 07th 2014 09:00:05 AM
A chic and spacious Italian calf leather wallet from Fontanelli is divided in two separate zippered sections: one for bills and cards, the other for change and extras for maximum organization. Signature dust bag included, Made in Italy
ON SALE: Fontanelli - Tan Calf Leather Wallet
Added on : Saturday June 07th 2014 09:00:05 AM
This spacious genuine leather women»s wallet by Fontanelli has two zippered sections, eight inner pockets including a zippered change pocket, one large pocket for bills and eight credit card slots. Gift box included, Made in Italy.
Women»s continental wallet in calfskin with a double snap closure features multiple compartments for bills, personal documents and credit cards. Signature gift box included, Made in Italy.
Women»s large wallet in croc-embossed calfskin with a double snap closure features multiple compartments for bills, personal documents and credit cards including a useful external zippered change pocket. Signature gift box included, Made in Italy.
Men»s Brown Artisan Camo Leather Billfold Wallet is crafted in a smooth dark brown »Artisan Camo» printed leather and contrasting nude leather interior with »Handcrafted in Spain for Paul Smith» embossed on the interior. Featuring 4 credit or business card slots, snap change pocket, large compartment for bills and embossed logo on the front. Signature box included.
Men»s Brown Artisan Camo Leather Credit Card Wallet is crafted in a smooth dark brown »Artisan Camo» printed leather and contrasting nude leather interior with »Handcrafted in Spain for Paul Smith» embossed on the interior. Featuring six credit or business card slots, large compartment for bills and embossed logo on the front. Signature box included.
ON SALE: Paul Smith - Mini Rufford Park Print Billfold Wallet
Added on : Saturday June 07th 2014 09:00:05 AM
Mini Rufford Park Print Billfold Wallet by Paul Smith is part of the Mini On Location line. Featuring »vintage» printed leather mini interior, smooth grained leather exterior with embossed logo, eight business or credit card slots, large compartment for bills and two small compartments for receipts. Signature box included.
ON SALE: Paul Smith - Mini Rufford Park Print Credit Card Wallet
Added on : Saturday June 07th 2014 09:00:05 AM
Mini Rufford Park Print Credit Card Wallet by Paul Smith is part of the Mini On Location line. Featuring »vintage» printed leather mini interior, smooth grained leather exterior with embossed logo, six business or credit card slots, large compartment for bills, two small compartments for receipts and purple moir�tripe lining. Signature box included.
ON SALE: Pineider - City Chic - Women»s Flap Calfskin Wallet
Added on : Saturday June 07th 2014 09:00:05 AM
Evoking elegance and sophistication with its clean lines and exquisite grained calf leather, Pineider»s women»s triple-fold wallet features organizing compartments for bills, change and documents. Dust bag and gift box included, Made in Italy.
ON SALE: Pineider - City Chic - Women»s Zip Around Calfskin Wallet
Added on : Saturday June 07th 2014 09:00:05 AM
Evoking elegance and sophistication with its clean lines and exquisite grained calf leather, Pineider»s women»s wallet features a wrap around zip and organizing compartments for bills, change and documents. Dust bag and gift box included, Made in Italy.
New Arrivals: The Bridge - Story Uomo Leather Billfold Card Holder
Added on : Friday June 06th 2014 09:00:04 AM
Story Uomo Leather Credit card Holder is crafted in high quality hand buffed leather and is an essential piece for the practical gentleman. Featuring 8 card slots, billfold design fold with compartment for receipts and bills and embossed signature detail on front. Made in Italy.
Is this idea legal?
Added on : Thursday June 05th 2014 02:00:05 PM
g: 0 Posted By: classicaltutor
Views: 162 Replies: 4 My father had a stroke a month ago. He was the main provider. My mom works 2 jobs, and makes about 1200 a month. He is unable to work for the foreseeable future. My mom needs cash to pay off a high interest loan they have on some property. She has an older car she is willing to "sell" me. The idea is I get a used car loan, and buy the car from her on paper. She keeps the car and makes the payments. Is this legal? I don't have $8,000 to give her, but want to help her and if this is legal, it would be an easy way to do it. She has excellent credit- 820 score as of last week. They are very modest in their finances, always lived paycheck to paycheck, but have always paid their bills. I have no concerns about her paying the loan back.
Thanks for any advice! They have no other collateral to draw $ from.
my experience with the ACA; does this mean I'm poor?
Added on : Wednesday May 28th 2014 06:00:03 PM
g: 0 Posted By: bluegreenturtle
Views: 132 Replies: 2 I see no reason to create an Alt for this - I have no idea why people do when asking personal questions. So last month, I was looking through various health insurance options for next year (we opted to "keep our insurance" because it was very cost efficient, a $3500 deductible HSA) and the site redirected me to a "community adviser" which is what my state (Oregon) is using to sign people up for ACA compliant plans (because, as you might have heard, our website is dadgum broken). It gave some details on "Healthy Kids" which is our state's low income assistance for people under 19 and it seemed like we might qualify, so I signed up for a call from the adviser.

To my surprise, using our tax return as an income qualifier, we not only qualified for assistance, our children qualified for the "no cost" options for assistance and the adviser took their info and signed them up right away because our income was "so low". We signed up for new insurance that is similar to in cost, though slightly worse coverage than what we had, but getting the kids on the healthy kids plan cut our premiums way down. I'll post the qualifications for the plan at the bottom of the post - basically if you're at 300% or below of the poverty level, you qualify for full coverage for your kids.

The number that brought this about was that our AGI on our return was $55,000. The insurance adviser said that the state considers anything below an income of $78,000 for a family of four to be qualified for free health coverage for the kids. To arrive at the AGI, we also contributed $16k to my SEP IRA, $5500 each to our trad. IRA's, and $3250 each to our HSA, so we put away about $33k this year in tax deferred accounts and paid all our bills too. To me, this doesn't seem like a family that should qualify for public assistance.

So my question is this: am I poor? Does this mean we're on public assistance? I'm a long time member of Fatwallet, have always felt we were doing well above average, even among members of this forum - the above information shocked me; our state considers us to be in need of public assistance. Maybe I'm deluded. I grew up poor and am usually happy with our little successes. I feel like I'm missing something - the forms have all come with our children signed up, and now we don't have to pay for their premiums, and their coverage is complete, supposedly, much better than what we had buying it. I have no idea if they verified our income - it seems like they must have, but I'm not sure how they had time.

Here is a link to the qualification guidelines. Obviously every state is different. Perhaps ours is overly generous. http://www.oregonhealthykids.gov/families/qualifications.html

Discussion Deals
Free PDF Scanner (IOS APP) @ Apple
Added on : Monday May 26th 2014 05:00:07 PM
g: 0 Posted By: DizzyT71
Views: 239 Replies: 1 Apple is offering their Free PDF Scanner (IOS APP) today.

Free today with App of the Day.
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bcoutlet.com Warehouse Clearance Event Today Only
Added on : Monday May 26th 2014 09:00:04 AM
g: -1 Posted By: DaysFan
Views: 206 Replies: 0 http://www.bcoutlet.com/
Here's how to redeem your promo code:
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* Promo code restrictions: offer ends at 11:59pm E.S.T. Monday, 5/26/14. Discount is applied to merchandise only, not including shipping, handling or taxes. May not be redeemed for cash or combined with other offers. Offer excludes artwork, watches, fragrances, and all items within the "Special Purchases" category, and eBags products. Not applicable to payment of bills or charges. Discount may not be applied to prior purchases, or E-Gift cards. Limited to one offer per customer.

Home & Garden Deals
Life Estate risks/concerns?
Added on : Thursday May 15th 2014 03:00:05 AM
g: 0 Posted By: fwlurkerjr
Views: 16 Replies: 0 Short version: Father is terminally ill (1-3 years maybe), has long time girlfriend living with him who is 70+ and he does not want to leave her homeless or force her to move. His estate attorney suggested creating a life estate on his passing, with me (Son) as the remainderman.

What do I do to minimize craziness? Google is pretty thin but implies many scenarios that could be unpleasant (if they don't maintain the property, or pay the bills.. or they sell the "life interest" to someone else.)

So I imagine I want to add some clauses to the life estate agreement, such as "Life interest terminates if not occupied by named person." "Life interest terminates if any of [bills] are unpaid for 90 days."

Thanks FWers - many year lurker, learned a lot and always entertained.


Question Deals
Interesting strategy to deal with a collection account
Added on : Wednesday May 14th 2014 06:00:08 PM
g: 0 Posted By: Silverthunder
Views: 39 Replies: 1 Here is my situation:
I was being careless/ somewhat silly with a small balance that I owed Comcast. First, I was keeping it around so that I could run .01-.10 charges through the account to satisfy rewards checking account requirements. Then, paying it was on my to-do list for a long while. Then, I was going to call them and get them to remove the late charges and then pay the balance. Finally got around to calling them today. It's Comcast and I am getting nothing but the runaround from them. All along, Comcast wasn't sending me bills or collection threats which is what made me too laid back about the whole thing.

I am pretty concerned that this collection account will hit my credit and affect my ability to open a lot of new credit cards like I enjoy doing

the first rep that I spoke to said that it's in Comcast's internal collection department. I told them I will pay it if you first send me something in writing that you will erase/ not report it if I pay in full (need them to send before I make a payment). No luck with that. I got them to have a supervisor call me. Supervisor was no help. Next, I called back and got someone one the phone that said that the account had been turned over to a collection agency. However, there are 5 or 6 ones that they use and he didn't know which one. He gave me the name of 2 of them. I called both of them; one I left a message for and the other one doesn't get any business from Comcast.

Since the collection account is a small amount, I think that I will probably just pay Comcast. This might "pull" the collection account back to Comcast and that way it never was a collection account. I don't believe that Comcast's internal collections department will report to the credit bureaus (this is what the 3rd Comcast rep that I talked to told me & I have personally seen over 1000 credit reports of people that live in an area that Comcast serves and I don't think I have ever seen Comcast reporting directly except for a credit pull).

If I do hear from a collection agency, I have multiple lines of defense. interestingly enough, one of them wont be "oh, I already paid that to Comcast" as they may just change it to a collection account with a 0 balance.
Discussion Deals
g: 0 Posted By: gobills
Views: 56 Replies: 0 TigerDirect hasPatriot 16GB Pixie USB Flash Drive with Free Color Research DVD+R 10-Pack. FAR and Free Shipping. Link:http://www.tigerdirect.com/applications/SearchTools/item-details...
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g: 0 Posted By: gobills
Views: 234 Replies: 1 TigerDirect has Centon 8GB Flash card FAR and free shipping with innercircle only. Link:http://www.tigerdirect.com/applications/SearchTools/item-details...
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g: 1 Posted By: Farfisa850
Views: 192 Replies: 0 Link!

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AMEX Suspending my account?
Added on : Tuesday May 06th 2014 12:00:06 PM
g: 0 Posted By: zorbachs
Views: 7 Replies: 0 I got a call today right at 5pm on my phone from Kim at AMEX asking me to call her back at 800-230-1289 but never said for what. I googled it and it said that in 2009, it was the number for the financial review folks. Twitter said in 2012 it was the account services department. I haven't gotten an email, all I know is my account is suddenly frozen.

Two days ago, I had applied and was accepted for the AMEX Plat targeted 100,000 point signup bonus because my family had a trip upcoming trip in January out of the country and I figured I could make use of the points.

As for myself, I am a law student about to graduate and take the bar in July, and I will begin working shortly thereafter. My income for the past year was not high, as I only worked a summer internship and made some money on the stock market. I do live at my family home while my parents live elsewhere for work though, and I pay all the bills using their account. I have been a cardholder since I was very young and recently opened a blue cash card before the Platinum, and my parents have been cardholders since 1983 in good standing. I use it to pay bills, buy groceries, etc, not anything too high, and I pay it off using my parents account. I got it so I could build credit.

If this is for a financial review, what should I expect? I was honest about being a student on my application and the "household income" but my own tax returns will not have loads of income on it, although I have access to over $1 million, as I stated in my application.

Is this worth fighting or should I just close my accounts and go elsewhere? The card has no balance on it whatsoever and has been paid in full. I did pay bills off of it last week, which may have raised a red flag. I have no idea.
AMEX Platinum 100,000 point offer
Added on : Friday May 02nd 2014 03:00:05 PM
g: 0 Posted By: zorbachs
Views: 14 Replies: 0 Hi all,

I recently received this offer in the mail about a week ago and was considering it, but I had a few questions.

First, I am 25 years old and about to graduate law school. I am taking the bar in July and will start working full time shortly thereafter. My parents have been AMEX cardholders since 1983 and have not missed a payment and I was added as an authorized user to their accounts in 2005 before getting my first blue card in 2006. In 2010, I opened my own blue cash card and this year, I got a PR Gold card. I have never missed a payment, though I have no idea what my credit score is. I've never been denied for any AMEX cards; I am not sure if it is due to my parents history or what because I have never received a loan or anything else to really build a credit history.

As for traveling, I really don't travel much. I tend to go to NYC twice a year to visit friends and plan to visit Jamaica in January. I am not sure if traveling will be part of my job as an attorney, that remains to be seen.

With all of that said, is it a waste of money to take advantage of this offer? I read that 100,000 points has a value of at least $1000 in gift cards and the like, so if anything, I suppose I could pay the $450 fee and cash in the rewards for gift cards for a $550 profit, and if I end up not traveling after work, canceling the card next year. Or maybe it isn't worth the hassle. I could spend $1000/month by running all my bills through the card.

Advice? My gut says I probably wouldn't take advantage of it as I should and I should just wait until I start working and maybe AMEX will send this offer to me again sometime in the future. I don't know how rare it is.
New User Question Deals
g: 0 Posted By: ctgolfer
Views: 54 Replies: 0 $399.99 in-cart but get $50 off with promo code: SEARS50

The industry's most energy efficient dishwashers These dishwashers use nearly 1/2 less water and energy without compromising performance (Based on Energystar.gov published annual energy usage of Whirlpool Resource Efficient models versus competitive dishwashers MSRP $749 and below. Compared to a conventional dishwasher manufactured before 2006)
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Car totaled, not at fault - how to make sure I don't get screwed?
Added on : Thursday May 01st 2014 03:00:07 PM
g: 0 Posted By: T800
Views: 174 Replies: 6 My wife was in an accident today and the car will probably be totaled. Just looking for pointers or advice here so we don't get screwed by our insurance company or the other driver. The car is a 2012 Prius with full coverage through Progressive.

She was traveling on the interstate, there was a highway truck with 2 workers working on the left shoulder well out of the lanes of traffic. SUV ahead of her started drifting straight into the truck on the shoulder. Ended up hitting the truck on the right rear corner which rotated the SUV right into the traffic lane, then the Prius hit into the drivers side of the SUV and both driver's upper and lower airbags deployed. After hitting the SUV the wife's car slid across traffic lanes and ended up on the right shoulder. My wife is pregnant and was taken by ambulance to the ER to be checked out. No apparent spinal issues and baby seems fine via ultrasound. She has another appointment with her regular doctor tomorrow. The SUV didn't fare so well hitting the larger stationary truck, I heard both of her legs are broken and she was undergoing surgery and this makes sense as the SUV crushed pretty far into the driver's seat area.

We did not get the other driver's info and do not know if they are insured. The police probably have all of this info and I have a case number for their filing. The police told me she would probably be found at fault as it's clear she drove off the road into the construction truck causing the accident. They also said she has a revoked license and has a history of seizures.

I filed a claim with Progressive and they will have an adjuster contact me tomorrow. What should I do to make sure we are made whole with regards to medical bills and car replacement? Appreciate any input, sorry if this is a basic question but I have never been in this situation before.
Question Deals
10th year of a disputed debt--4th collections agency
Added on : Thursday May 01st 2014 11:00:07 AM
g: 0 Posted By: k0k0p0p
Views: 94 Replies: 0 Okay, so I admit I haven't done everything right and I am a little lazy and haven't kept the best records. Where does the statute of limitations lie? If you read ahead, they are are threatening civil suit already at $500 fines
I had a T-Mobile cell phone and TN address when I got an internship in Europe for a year. I could cancel my service at any time

June 4th, 2004: Called T-Mobile, cancelled phone service, provided my parents US address, paid amount owed + estimated rate for the day over the phone, got on the plane-gone for a year.

June 4th, 2005: Parents had not received any mail or bills from T-Mobile
Jan 2006: Moved to Florida, still TN resident for student status
Jun 2007: Bought a house in FL, no issues on credit report (TN resident)
Oct2009: Got an apartment near new jobin SC, stillTN resident(background check), forwarded mail

Oct2009: 1st Contact by first Credit Agency about $75 debt to T-Mobile. Called T-Mobile, but they had no evidencewhat it was for,justconfirmed I had a phone that I must have owed them for. Called the Credit Agency back and said I needproofin the form of a statement that this debt exists. Told them to only communicate by mail. Received another "notice" and a couple phone calls.
Jan 2010:Sent a registered letter to 1stCA requesting documented proofthat I owed the debt, and do not contact me again byphone, yada, yada,... No response.

Jan 2011: Still in SC, new place with forwarded mail,changed toFL resident

Jun 2011: Moved toLouisiana, new apartment,new credit agency with the apt. background check.New spouse asked me todeal with it. made same calls as before but T-Mobile no longer receptive. "That account was forwarded to a credit agency years ago"
Jan 2012:Bought House in Lousiana withspouse, debt collectionsshowed up on my credit report, but I was too busy/lazy to deal with it. didn't make a dent in my credit.
Jan 2013: Louisiana Resident. 3rd collections agency, or maybe the name changed. started sending the same letters. I called and asked for proof that I owe a debt, in writing, and exactly what it was for, do not call me, ever. sent final notice or this would go on my credit report. ended by February, except for one last letter in August.

Sep 2013: relocated to NC for spouse's job. forwarded mail.

March 20 2014: got half a voicemail from an agency threatening toserve me papers at work" in an effort to collect a debt". all I had was their outgoing number, and I don't respond to harassment, anyway.( I get these on my work phone all the time for random people, so I wasn't sure it was for me anyway)
April 28 2014: They called my sister and threatened her that if I did not contact within the hour they would be serving papers at my work. She called my spouse with all the information because I was in a meeting.I told her and my spouse not to worry--that it is harassment and I'll get to it.
May 1 2014: My spouse grew impatient, called today while I was going home to call. Since he said he was my spouse and had the numbers they gave my sister, they told him that it was T-Mobile debt, they would be filing a civil suit and are serving papers to my Mother-In-Laws house in TN. If I am not there to be servedthree times in a row they will add $500 to the $575 they say I now owe them.

Now I'm peeved. Anybody know a good harasser/lawyer in TN or wherever this could be heard?
Bottom Line: I owe nothing. I paid everything I owed upon cancellation of my contract.. I gave a forwarding address for final balance, and never got anything. I overpaid that final bill, just so there would be no issue, and they waited till my bank statements wouldn't be available to sell to a collections agency. I've been harassed on and off for about 5 years over a debt from almost 10 years ago. These guys are malicious and they just started. Nationwide Systems, I think is the name.





Question Deals
g: 0 Posted By: ctgolfer
Views: 72 Replies: 0 Rows and rows of card slips, two expandable areas for bills, and a zippered coin pouch provide organizational Bliss
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Mortgage servicer fails to pay property taxes
Added on : Thursday May 01st 2014 02:00:07 AM
g: 0 Posted By: okwiater
Views: 80 Replies: 1 My mortgage servicer maintains an escrow account for property taxes and homeowners insurance. I received a copy of my 2012 property tax bill in July of 2013 from the county, and called them on July 27 to ensure they had received and would pay it. They said they would. Fast forward to April of 2014. I received a notice from the county on April 10 informing me that due to an unpaid tax bill they would move to place a tax lien on the property by May 1, and the lien would be auctioned on May 15. I called the lender that same day and informed them of the notice. They requested that I fax the bill to them, which I did that same day. On April 21, I checked with the county and determined that the bill had not yet been paid. So I called the servicer again and they informed me that they were actively engaging with my county's tax office and that the bill would be paid within "a few days." On April 28, I checked with the county again and determined that the bill had still not been paid. So I called the servicer yet again and they promised the issue would be escalated and the bill would absolutely be paid by April 30. Much to my surprise, I received an e-mail from them confirming that the bill had been paid and the funds deducted from escrow. Today, I checked with the county again and the bill is still unpaid. Also, since it is a new month, additional interest as well as a tax lien fee has been added to the account. My guess is the lender put the payment in the regular mail, and now the amount they sent won't be sufficient to cover the outstanding balance.

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

Note: I have made every one of my mortgage payments on time since the inception of the mortgage.
Real Estate Deals
10 Free Kindle Books on Nurse's Medical Assistant Education Exams
Added on : Tuesday April 29th 2014 01:00:03 AM
g: 7 Posted By: remick
Views: 1441 Replies: 2 Director of Staff Development DSD: The Nurse Educator
http://www.amazon.com/gp/product/B00EBSRHLW

This is an ideal textbook to teach nurses who are taking the credentialing requirements to work as the Director of Staff Development of a Healthcare Facility or who wish to teach nursing students or nurse assistant students. The topics covered include: The advantages and challenges of being a nurse educator, maximizing the learning experience of adult learners, curriculum development, curriculum implementation, time management in the class, course evaluations, lesson plans, adapting to different Target audience and personality traits of students. In all the chapters, the principles of adult learning are projected.



IV Therapy and Blood Withdrawal Review Questions
http://www.amazon.com/gp/product/B00EBNSCO8/

IV Therapy & Blood Withdrawal Review Questions is a bank of more than 600 review questions written out of the desire to provide a quality, but concise review book for nurses taking the Intravenous Therapy & Blood Withdrawal course. Questions were constructed from all the areas of study including introduction to IV therapy, pediatric IV therapy, geriatric IV therapy, starting an IV, preparing bag and tubing, transfusions and blood draw skills .This book is divided into Part One and Part Two. Part One focuses on IV therapy questions while Part Two focuses on Blood draw skills. One of the purposes of this book is to enhance proper knowledge of these vital subjects among new grad nurses and old nurses returning to work.



CNA Exam Prep (Exam Prep Series)
http://www.amazon.com/gp/product/B00EB2183G

CNA Exam Prep is a bank of more than 400 practice test questions for nurse assistants. Questions were chosen from different areas of nursing care to enhance comprehensive review.



Surgical Technologist Certifying Exam Review Questions (Exam Prep)
http://www.amazon.com/gp/product/B00EBMEFU4

This exam review questions' book is a compilation of more than 500 questions ranging from ethical issues, anatomy and physiology, surgical asepsis, to patient care during surgery. A thorough review of these questions will prepare the surgical technician to sit for the national certifying exam.



Phlebotomy Test Prep Volume One
http://www.amazon.com/gp/product/B00EBSOMRE

This book is a test questions bank of more than 450 practice questions. It was written out of the desire to provide a quality, but concise review book for phlebotomy technicians. Questions were constructed from all the areas of study in the phlebotomy curriculum ranging from communication skills to pre, intra and post analytical procedures. Constant revision of the questions will help the student to master the contents in preparation for the phlebotomy certification exam.



Workbook for The Home Health Aide Textbook (Exam Prep)
http://www.amazon.com/Workbook-Home-Health-Aide-Textbook-ebook/d...

The purpose and goal of home care is to provide an adequate level of care in a cost-effective manner while promoting rehabilitation of the patient in a familiar environment like their homes. This book accompanies The Home Health Aide Textbook which provides the necessary information for home health aides and caregivers to care for clients in their homes.



Medical Assistant Certification Study Guide Volume 1: Medical Assistant Exam Book
http://www.amazon.com/Medical-Assistant-Certification-Study-Guid...

Medical Assistant Certification Study Guide Volume 1 covers the basic responsibilities of the clinical medical assistant, as well as EKG. Volume 2 covers the remaining responsibilities of the medical assistant plus phlebotomy.



Patient Care Technician Certification Exam Review Questions (Exam Prep)
http://www.amazon.com/Patient-Technician-Certification-Review-Qu...

This book is a compilation of more than 800 questions ranging from basic nursing care, EKG, Phlebotomy, career development and professional ethics questions to help patient care technician students challenge their certification exams.
Patient Care Technicians can simply be said to be a combination of nurse assistants and medical assistants because they perform the duties of nurse assistants as well as the duties of medical assistants. They work under the supervision of nursing or medical staff to provide basic patient care which may include the following:
recording vital signs, height, weight, input output, collect and test specimens, report and record patient conditions and patient treatments.
-Helping patients with nutritional needs; check and deliver food trays, assist with feeding the patient when necessary, and refilling water and ice.
-Assist patients with their mobility ;turning and positioning, do range of motion exercises, transferring patients to and from wheelchair, assist with ambulation.



Choosing a Healthcare Career
http://www.amazon.com/gp/product/B00EBOP8EE

As the owner of two healthcare educational institutions, I often come in contact with anxiety-filled faces of individuals who really would like to become healthcare professionals but do not know which career to choose. I have seen many cases of individuals switching from one course to another and later settling for the third course where they think they have found their nitch. In one case, I had a student who wanted to draw blood but fainted during the introductory video on phlebotomy. She turned blue and passed out because she saw blood in the TV! I advised her to change her course. This book has been written as an informational material for individuals choosing to start with the entry level healthcare courses. I purposely left out the more advanced courses. A couple of entry-level healthcare courses such as the Nurse Assistant, Home Health Aide, EKG Technician, and more have been explained in this book to aid the prospective healthcare professional in making an informed choice while considering their personal strengths and weaknesses. It is best to have a career that gives one fulfillment, not just a job to pay ones bills.



The Home Health Aide Textbook
http://www.amazon.com/gp/product/B00EBMED6U

The purpose and goal of home care is to provide an adequate level of care in a cost-effective manner while promoting rehabilitation of the patient in a familiar environment like their homes. This books provides the necessary information for home health aides and caregivers to care for clients in their homes.
Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 298 Replies: 1 Director of Staff Development DSD: The Nurse Educator
http://www.amazon.com/gp/product/B00EBSRHLW

This is an ideal textbook to teach nurses who are taking the credentialing requirements to work as the Director of Staff Development of a Healthcare Facility or who wish to teach nursing students or nurse assistant students. The topics covered include: The advantages and challenges of being a nurse educator, maximizing the learning experience of adult learners, curriculum development, curriculum implementation, time management in the class, course evaluations, lesson plans, adapting to different Target audience and personality traits of students. In all the chapters, the principles of adult learning are projected.



IV Therapy and Blood Withdrawal Review Questions
http://www.amazon.com/gp/product/B00EBNSCO8/

IV Therapy & Blood Withdrawal Review Questions is a bank of more than 600 review questions written out of the desire to provide a quality, but concise review book for nurses taking the Intravenous Therapy & Blood Withdrawal course. Questions were constructed from all the areas of study including introduction to IV therapy, pediatric IV therapy, geriatric IV therapy, starting an IV, preparing bag and tubing, transfusions and blood draw skills .This book is divided into Part One and Part Two. Part One focuses on IV therapy questions while Part Two focuses on Blood draw skills. One of the purposes of this book is to enhance proper knowledge of these vital subjects among new grad nurses and old nurses returning to work.



CNA Exam Prep (Exam Prep Series)
http://www.amazon.com/gp/product/B00EB2183G

CNA Exam Prep is a bank of more than 400 practice test questions for nurse assistants. Questions were chosen from different areas of nursing care to enhance comprehensive review.



Surgical Technologist Certifying Exam Review Questions (Exam Prep)
http://www.amazon.com/gp/product/B00EBMEFU4

This exam review questions' book is a compilation of more than 500 questions ranging from ethical issues, anatomy and physiology, surgical asepsis, to patient care during surgery. A thorough review of these questions will prepare the surgical technician to sit for the national certifying exam.



Phlebotomy Test Prep Volume One
http://www.amazon.com/gp/product/B00EBSOMRE

This book is a test questions bank of more than 450 practice questions. It was written out of the desire to provide a quality, but concise review book for phlebotomy technicians. Questions were constructed from all the areas of study in the phlebotomy curriculum ranging from communication skills to pre, intra and post analytical procedures. Constant revision of the questions will help the student to master the contents in preparation for the phlebotomy certification exam.



Workbook for The Home Health Aide Textbook (Exam Prep)
http://www.amazon.com/Workbook-Home-Health-Aide-Textbook-ebook/d...

The purpose and goal of home care is to provide an adequate level of care in a cost-effective manner while promoting rehabilitation of the patient in a familiar environment like their homes. This book accompanies The Home Health Aide Textbook which provides the necessary information for home health aides and caregivers to care for clients in their homes.



Medical Assistant Certification Study Guide Volume 1: Medical Assistant Exam Book
http://www.amazon.com/Medical-Assistant-Certification-Study-Guid...

Medical Assistant Certification Study Guide Volume 1 covers the basic responsibilities of the clinical medical assistant, as well as EKG. Volume 2 covers the remaining responsibilities of the medical assistant plus phlebotomy.



Patient Care Technician Certification Exam Review Questions (Exam Prep)
http://www.amazon.com/Patient-Technician-Certification-Review-Qu...

This book is a compilation of more than 800 questions ranging from basic nursing care, EKG, Phlebotomy, career development and professional ethics questions to help patient care technician students challenge their certification exams.
Patient Care Technicians can simply be said to be a combination of nurse assistants and medical assistants because they perform the duties of nurse assistants as well as the duties of medical assistants. They work under the supervision of nursing or medical staff to provide basic patient care which may include the following:
recording vital signs, height, weight, input output, collect and test specimens, report and record patient conditions and patient treatments.
-Helping patients with nutritional needs; check and deliver food trays, assist with feeding the patient when necessary, and refilling water and ice.
-Assist patients with their mobility ;turning and positioning, do range of motion exercises, transferring patients to and from wheelchair, assist with ambulation.



Choosing a Healthcare Career
http://www.amazon.com/gp/product/B00EBOP8EE

As the owner of two healthcare educational institutions, I often come in contact with anxiety-filled faces of individuals who really would like to become healthcare professionals but do not know which career to choose. I have seen many cases of individuals switching from one course to another and later settling for the third course where they think they have found their nitch. In one case, I had a student who wanted to draw blood but fainted during the introductory video on phlebotomy. She turned blue and passed out because she saw blood in the TV! I advised her to change her course. This book has been written as an informational material for individuals choosing to start with the entry level healthcare courses. I purposely left out the more advanced courses. A couple of entry-level healthcare courses such as the Nurse Assistant, Home Health Aide, EKG Technician, and more have been explained in this book to aid the prospective healthcare professional in making an informed choice while considering their personal strengths and weaknesses. It is best to have a career that gives one fulfillment, not just a job to pay ones bills.

Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 115 Replies: 0 http://www.amazon.com/gp/product/B00AR0T8DI

4.4 out of 5 stars (147 customer reviews)

All the advantages of a tiny house at a fraction of the cost!

Imagine what you could do with your time if you didn't have to spend $16,000 a year on rent or a mortgage. Old single-wide mobile homes can often be found for free (and installed for a couple of thousand dollars) in rural areas, so trailersteading is akin to dumpster-diving. A trailer allows you to live without debt, to keep your ecological footprint to a minimum with energy bills at or below the national average, and even to blend right in with traditional-house dwellers after a few years.

Trailersteading profiles nine mobile-home dwellers who have used trailers as a stepping stone toward achieving their dreams. Some have spent the cash they saved by renovating their trailer on extra insulation, pitched roofs, classy interiors, and even basements, while the found money has allowed others to go off the grid. Many also took advantage of a low-cost housing option to pursue their passions, becoming full-time homemakers or homesteaders.

In addition to the case studies, the book presents easy methods of minimizing the negative sides of trailer life and accentuating the positive. For example, did you know a single-wide is easy to retrofit for passive solar heating? That a simple plant-covered trellis can break up the blockiness of the trailer's external appearance? Learn which parts of installing and upgrading your trailer are easy for a DIYer and which parts should be left to the experts, along with how to cheaply heat and cool a mobile home.

124 photos and diagrams.
Books & Magazines Deals
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
bcoutlet.com 40% off 1 item
Added on : Saturday April 19th 2014 11:00:02 AM
g: 0 Posted By: DaysFan
Views: 31 Replies: 0 Here's how to redeem your promo code:
1. Place one or more eligible items in your Shopping Cart.
2. Type promo code BC20506 into the Promotion Code Box, then click apply.
3. The extra 40% off your highest priced item will be automatically applied, if eligible.*
* Promo code restrictions: offer ends at 11:59pm E.S.T. SATURDAY, 4/19/14. Discount is applied to merchandise only, not including shipping, handling or taxes. May not be redeemed for cash or combined with other offers. Offer excludes artwork, watches, fragrances, items within the "Special Purchases" category, and eBags products. Not applicable to payment of bills or charges. Discount may not be applied to prior purchases, or E-Gift cards. Limited to one offer per customer.


http://www.bcoutlet.com
Clothing Deals
g: 0 Posted By: View
Views: 105 Replies: 0 Found this while checking the Note 3 $250 deal. AT&T is having a Nokia 925 for 79.99 without a contract but requires a new activation.
https://www.att.com/shop/wireless/devices/nokia/lumia-925-black-refurb.html
So the total costs to me would be $79.99+taxes +36(activation)+taxes - 100 credit. (takes 45 days) = about $32.6.

Pretty good price fora $200 phone. If you have a good corporate discount you can apply it so that future bills would be very much the same prices like T-Mobile.
I think it Is a very good deal if you like the Nokia 925. For a phablet the $250 Note 3 is also an incredible deal... I doubt I could evenget this phone for $33 on craigslist.



Cell Phones Deals
g: 0 Posted By: remick
Views: 34 Replies: 0 http://www.amazon.com/gp/product/B00HLAZOOE

I have been a fishing guide for a long time and have learned a lot throughout the years as a guide. When you are out fishing on a relaxing trip the stakes are not high and catching trout is just a bonus, however this isnt the case for a fishing guide. In order to pay bills you have to catch trout. This demanding task has given me a lot of unconventional ways of catching trout that most people wouldnt have thought of. You can now learn all my best tactics and techniques to catch trout.
I have spent 30 years fishing over 100 days per year to gain the knowledge to create this book. I am certain you will find some useful information that will help you catch more trout than you could ever imagine.
New Arrivals: Paul Smith - Mini Rufford Park Print Billfold Wallet
Added on : Thursday April 17th 2014 09:00:05 AM
Mini Rufford Park Print Billfold Wallet by Paul Smith is part of the Mini On Location line. Featuring »vintage» printed leather mini interior, smooth grained leather exterior with embossed logo, eight business or credit card slots, large compartment for bills and two small compartments for receipts. Signature box included.
g: 0 Posted By: tuphat
Views: 103 Replies: 0 "Over the last year, a rabbi, a state NAACP official, a small town mayor and other community leaders wrote op-eds and letters to Congress ...[all] against a...proposal that would give taxpayers the option to use pre-filled tax returns ... Intuit [which makes TurboTax] has long worked against return-free filing. The company has said in [SEC] filings ... that it views free government tax preparation as a risk to its business. Last year, the company spent more than $2.6 million on lobbying, some of it to lobby on four bills related to the issue."

http://www.propublica.org/article/turbotax-maker-linked-to-grass...
Discussion Deals
g: 0 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/dp/B00IDHDHMK

5.0 out of 5 stars (9 customer reviews)

If you travel and work online, youre dependent on technology. Love it or hate it, its part of your daily life without it, you wont get paid and yet its something thats barely mentioned when people talk about this lifestyle.

Working from the road comes with a unique set of challenges. The systems, equipment and processes that are perfect in a traditional office environment rarely work well outside of it. Unreliable Internet and no dedicated workplace make productivity a challenge, and the need to fit everything in your luggage severely limits your equipment choices.

Security is a major problem, yet one thats largely ignored until its too late. Theres a big difference between sitting in a cubicle protected by access cards and security guards, and wandering around the streets of a foreign city trying to find a cafe to work in. In the euphoria of finding a wireless network that actually functions, its rare to stop and think about the passwords and confidential information that youre sending across it and who else might be looking at them.

The risk of equipment failure is much higher on the streets of South East Asia than in an air-conditioned Manhattan office, yet theres no tech support person backing up your data or ready to come around with a new laptop when yours breaks.

You cant just walk around to a colleagues desk when theyre ten thousand miles and nine time zones away. Working together with a business partner or client is much harder when you're on the road, especially if youre trying to do everything by email.

If youre like most digital nomads, youre not a tech guru nor do you want to be. Instead, youre an expert in your own field an artist, photographer, writer, engineer or something else entirely. Every hour thats wasted trying to fix a computer problem is an hour youd much rather spend doing anything else. You just need things to work, using the right tools for the job and having enough knowledge to get everything done safely, securely and with a minimum of hassle. Technology is simply a means to an end.

Ive written this book for you.

Whether youre already a digital nomad or are planning to be, this book provides you with the straightforward, practical tech advice you need to work safely and effectively from anywhere.

Ill give you the knowledge to choose exactly which equipment you need and be certain about what you don't. Whether its a laptop, phone, hard drive or anything else, youll be able to focus on the features that matter on the road, and go beyond the sales people and specifications to make truly informed decisions.

Ill help you and your data stay secure in highly-insecure environments (including some you probably havent thought about). Youll have the right tools and gear to get faster, cheaper and more reliable Internet connections anywhere in the world and will know what to do when those connections inevitably stop working.

Youll save money on phone and data bills, and be able to collaborate effectively with others whether theyre on the other side of the table or the other side of the world. Youll know exactly how to prevent a tech disaster from destroying your business, and which websites and apps are worth your time and money.

In short, I completely demystify the technology behind life as a digital nomad. By the end of this book, youll be armed with the technical knowledge, skills, equipment and tools to run your business from wherever in the world you happen to be.
Totally Free Deals
Free app for iPad - Kids Count Money USA, was $1.99
Added on : Monday April 07th 2014 06:00:04 PM
g: 0 Posted By: bernord
Views: 171 Replies: 0 Suggested for ages 6-8.

From the app description:
Help your child learn the basics of math with money!
Features six game modes to present the different ways in which money can be used: Buying things, Giving change, counting piggy bank contents, comparing amounts, and more!

Parents can switch the difficulty between coins and bills to suit the needs of their child.
Stars are earned as the game is played, and each star helps fill the night scene, giving a goal to strive towards.
Bright, colorful and cute characters pop up frequently, providing an entertaining and engaging app for children to enjoy.

This app does not contain any in-app purchases.


https://itunes.apple.com/us/app/kids-count-money-usa/id853498167...

Free until April 10 2014, usually $1.99
Totally Free Deals
g: 1 Posted By: bxd20
Views: 199 Replies: 2 Hello.

I know this is a big enough event that I should seek the advice of a lawyer, andplanning todo so, but right now I have a few minutes so I thought I'd post this here and perhaps get some angles/suggestions that even a lawyer wouldn't bring up.

What started as seeminglybenign digestive system complaints for my mom(a couple scope tests came back clear), kept getting worse. The doctors finally ordered a CT scan which revealed ovarian cancer that has spread. They are scheduling surgery for one week from today, followed by chemo. If they open her and find the cancer has spread more than the CT even shows,it's all about buying time for her at this point.

I am the only child. My dad is still alive. Mom and dadare both elderly and only have Medicare part A (the level that everyone gets).

Sorry if these questions aren't organized very well, it's a very emotionally difficult time for us.

1. We are not concerned about medical bills in the range of 4 figures or even low 5 figures.My parents have a decent amount of assets (mid 6 figuresif everything is included). If I understand Medicare correctly, the hospital stay will be covered up to 60 days, and their portion will besomewhere around $1300. After 60 days it's about $300 a day. Does the surgery itself fall underthis 'hospitalization' category byMedicare? I would assume so. Surgeon says she will be in hospital 7-10 days. If she's not as covered as I think she is, is there any way to get a very high deductible catastrophic coverage plan, even with preexisting condition, on extremely short notice? Does Obamacare help at all here?

2. My next focus is on protecting the assets if surgery doesn't go well and she requires long term nursing home care. I know the 5 year rule about gifting. How are joint accounts handled when assessing for Medicaid eligibility? In other words... she has some joint accounts where I am named with her, on some her brother is named, on some,her husband (my dad) is named. I think there is one investment house (rental property)with her and her brother on it. Would all of these joint assets be 100% at risk should the bills mount? Or is a joint account viewed as 50/50 in ownership? What if we go to the bank and remove her name from a CD - I assume that triggers the 5 year gift timer? Or is that somehow OK, if they've been joint on the account over 5 years?

Again - I apologize if I asked any dumb questions. Sometimes FW members come down hard on people. Please try to go easy on me. My parents haven't really wanted my help/advice in the area of financials. Sure, in retrospect, they probably should have been carrying supplemental insurance. At this point I need clear heads to help me through a dark time in my life.

I greatly appreciate your time and thoughts.
Personal Finance Deals
g: 0 Posted By: gibbywmu
Views: 22 Replies: 0 I am disputing 2 medical bills that went to collections. Experian and Equifax show only one on my credit report, while TransUnion showed both.

I filed an online dispute process with all 3 bureaus, and surprisingly enough, TransUnion sent me an update the very next day and both were deleted from my report.

Now, I am awaiting an answer from the other 2 bureaus. Are the chances high they will be deleted also, since TransUnion deleted them in 1 day? (I realize the online dispute process is not recommended, but I thought I'd give it a shot first and apparently it worked with at least one).

Any feedback would be appreciated!
Personal Finance Deals
Paying credit card bills with MO's
Added on : Friday March 28th 2014 04:00:12 AM
g: 0 Posted By: njdealguy
Views: 36 Replies: 1 Hi,
Over the course of past few weeks, I've racked up nearly 35k in money orders from various spending to meet different credit card bonuses, such as the Citi AA Executive card with 100k bonus. Anyways, I'm too nervous to deposit all this into my bank account if it might get shut down, as I have even more money orders to soon buy and spend. How much would be too much to either walk into the bank branch (such as Citi or Chase) to pay these credit card bills using my MO's. Would paying 10k at once to pay 1 CC at a bank branch in a single visit be considered too much and can trigger a SAR? Would it be better to make multiple visits to bank branches and make partial payments rather than large payments at once?
The FWF Debate - Repair or replace old car?
Added on : Thursday March 27th 2014 05:00:18 AM
g: 0 Posted By: JamesPolk
Views: 155 Replies: 8 I drive a 1998 Volvo V70 Wagon with 206,000 miles (Value: $1,500). I am the second owner (wife's parents previously owned/maintained) and have been driving it for the past 10,000 miles. In that time, I have had to make the following repairs:

ABS Unit - $90 (Refurbished)
Right front suspension assembly- $30 (Pick-n-pull)
Cam seal and Cam Position Sensor - $300 (Parts + Labor)

I am facing a heater core replacement ($120 part + 4 hours of labor) if I don't want to have coolant spraying all over my shoes and windshield. I could potentially fix it myself to save money on labor, which I am now seriously considering. More maintenance that is coming up include:

Replacing 2 tires - $150-$200
Brake pads/Rotors (The rotors are completely worn down). - $150-$250

The car itself drives well and the transmission is solid. I told myself I would drive this thing until next spring, but I am going to be facing close to $1,000 in repair bills if I do. If I bought another car, it would be either a base model Accord ($21k OTD) or a Mazda 6 ($22k OTD).

Additional information - I drive this to and from work only (20 mile round trip). Wife drives a new Accord, so we drive that anytime we want to go places.

Tell me FWF, what would you do?
Personal Finance Deals
Bill's Khakis at Sierra Trading Post $42
Added on : Tuesday March 25th 2014 08:00:04 AM
g: 0 Posted By: beginner
Views: 131 Replies: 0 you either know and are addicted to Bill's Khakis are have yet to discover them. These pants wear like iron, still come in pleated styles, and are now highly discounted at Sierra Trading Post. They even have one style with some stretch, if you prefer that in your khakis. I am posting this because right now, they have a good selection and most are around $42 when you apply the 30% off coupon you get when signing up for their dealflyer. These are expensive if you buy them in a menswear store (around $100/pair on sale). They come unhemmed so you still have to pay the dry cleaner $10 to hem or cuff them.....
It's a great deal if you're in the market for some spring pants (olive, khaki, british khaki (ochre tan), and yuck red abounds).

link

http://i.stpost.com/bills-khakis-m2p-driving-twill-pants-reverse...

Clothing Deals
Health Insurance - UCR vs PPO - Huge Medical Bill
Added on : Tuesday March 25th 2014 06:00:25 AM
g: 0 Posted By: Lappie
Views: 68 Replies: 1 I do everything I can to avoid a doctor, but im getting older. I have insurance through my employer which is a PPO that uses
PHCS and Multiplan. I had to have a procedure done in December 2013 that required outpatient surgery. The necessary
pre-authorizations were obtained and all doctors and the hospital were in-network. My individual deduct is $500 and
80% Co-Ins for the plan. I thought it was pretty good.

I am now getting balance billed by the hospital for $11,000 because my insurance processed the claim using
"Reasonable and Customary Charges." I was told by my insurance company have the right to use PPO or UCR in deciding what to pay.
Of course, I have never run into this before because I dont usually require this, however, moving forward, I may.
I see of the claims, for the surgeon and anesthesiologist, are also being done this way, so I expect to owe
a few thousand there as well.

Of the approx $20,000 bills, the insurance covered about $5000.

Any help on this matter is appreciated. If nothing else, let this be a warning to you who have plans to check
your documents to see if this craziness is applicable to you. In addition, the UCR deductions are not
applicable to max out of pocket, so its payable to the provider at 100%.

This is an expensive lesson learned.
Personal Finance Deals
g: 0 Posted By: Deals4mykids
Views: 125 Replies: 1 http://13deals.com/store/item.php?id=20370

Created for using sunlight for power, Solar LED Rope Lights help reduce expensive electrical bills by harnessing the suns power. Solar LED Rope Lights will stay illuminated for 8-12 hours depending on lighting conditions, and turn on/off automatically via the built in light sensor.

This Flipo Solar LED Rope Lights have 50 extremely bright LED lights. are rated at over 100,000 hours of life.

- Solar Powered - Save on Energy Cost & the Enviornment
- Auto On/Off-Activates/Deactivates Automatically Based on Lighting Conditions
- Rope Light String
- Rechargeable 600 maH AA Ni-Cd Battery
- Solar Cell/Electronics Box
- Mounting Brackets and Instruction Manual
- Lumens: 10 lumens
- Voltage: 1.2
- Requires 1 Ni-Cd 600 mAh AA battery
- Solar Panel: Pollycrystalline

PRODUCT DIMENSIONS: End to End 23 ft; Light to Light 16.5 ft; Lead 6.5 ft
Electronics Deals
The water company opened an account on it's own and is charging me .
Added on : Thursday March 20th 2014 09:00:12 AM
g: 0 Posted By: Wind82
Views: 209 Replies: 5 A while back i purchased a duplex that was in disrepair for a bargain price . The goal was to use it as temporary storage for a mass amount of equipment and repair it over time . I started to receive bills from the water company citing i had to pay x amount of money per month for storm water run off and taxes . The killer is i never started water service to this residence , the building just had it's water lines replaced in the last month , it has never had a water meter in the entire time i have owned it . Has this ever happened to anyone else ? How can they create an account for me with out my knowledge or consent then charge me for it ?

The building is located in Norfolk ,Va , the water company is Hrubs or Hrsd .
Question Deals
g: 0 Posted By: robronson
Views: 108 Replies: 3 I started working this year through a third party consulting firm as a 1099. I pay for all of my business expenses and bill the consulting firm for them, as well as my hours and the consulting firm pays me and then bills the client. In return, the consulting firm takes around 10% but it's worth it for me because they help find me work and deal with getting vendor status at clients.

My concern is that I'm doing work in multiple states this year. I understand I generally need to pay income taxes in states that I perform work and I also understand many states have thresholds for non-residents such that if my income is below a certain level, no income tax return is due. My question is, how will my consulting firm likely handle my 1099 at the end of the calendar year? Obviously we can only speculate. The reason I'm not asking them directly is because I don't want to "give them any ideas" that could bite me in the ass. Let me give some specific rough numbers for an example:

Total 1099 Income For 2014: $100k
Income from Texas: $50k
Income from California: $40k
Income from State X: $3k
Income from State Y: $3k
Income from State Z: $4k

Suppose in this example that States X, Y and Z all have minimum filing thresholds of $5k so I don't actually have to file taxes with them. Texas has no state income tax so no filing with them either. Here's a few possibilities of what might happen at the end of the year:

OPTION 1: Consulting firm issues a 1099 to the federal government only. They do NOT report any 1099s to any state governments. Best possible scenario. I'd be on the honor system to file taxes with the respective states and I get to decide which states to file with per the law.

OPTION 2: Consulting firm issues a 1099 for $100k total earnings to the federal government and EACH of the 5 state governments. EACH of the 5 governments thinks I earned $100k in their state because the 1099 isn't broken down it simply says I earned $100k and some or all it came from that state. WORST possible scenario because each state will think I earned $100k in their state.

OPTION 3: Consulting firm issues a 1099 for $100k to the fed gov and a 1099 for $40k to California, and a 1099 for $3k, $3k, and $4k to X, Y and Z respectively. They skip TX because they know TX doesn't care. Medium-level scenario but least likely to occur because it's the most effort for the consulting firm.

I can see any of these three scenarios playing out with me being royally screwed through Option 2 because even though I won't have to pay taxes to states X, Y and Z, I do have to file returns which costs money to pay someone to do it or wastes time to do it myself. Also, I risk California deciding to audit me because they think I lied about what percentage of the $100k actually came from them since they were [incorrectly] told I made $100k in California.

Are any of these 3 situations possible or is there a standard way for this to be done? I really don't want to ask and risk them deciding to change their policies to Option 2 to be "safe" for themselves.
Discussion Deals
Joints account recommendations? (online savings / B&M checking)
Added on : Sunday March 16th 2014 05:00:11 AM
g: 0 Posted By: LighterWallet
Views: 53 Replies: 0 My fiancee and I are planning to open joint accounts to start using after the wedding for our finances going forward.

The idea is to get an
online savings account (seen recommendations for Ally Bank on the net) to get the best rate for savings
and a
checking account for the times when we need to get a certified check or simply to pay certain bills etc. by check

We'll then link the two accounts so we can transfer funds back and forth via ETF, as needed, leaving the bulk of the money parked in the online savings account to maximize our returns.

We're looking for recommendations of the 'best' (this is subjective, I know) banks (one online savings and one B&M checking account) that support joint accounts. Normally we would just research as usual, according to a recent article, many banks are starting to do away with joint accounts), so there may be limited choices.

Thanks in advance for any recommendations or other suggestions!

Personal Finance Deals
Free Kindle Book-The ABCs of Money (was $18.95)
Added on : Saturday March 15th 2014 09:00:08 AM
g: 0 Posted By: remick
Views: 284 Replies: 0 http://www.amazon.com/dp/B00AWEM9GW
4.2 out of 5 stars (93 customer reviews)

Most Americans are worried about their future particularly their nest egg. 1 out of every 10 Americans is being pursued by debt collectors. If you want to beat the debt game, earn gains (instead of riding on the Wall Street rollercoaster) and live a richer, happier life, then you have to get a new game plan. The ABCs of Money offers vital information and easy, effective strategies for income, budgeting, real estate, stocks, bonds, gold, hard assets, annuities, debt reduction and saving your home. These strategies have been saving homes and nest eggs for more than a decade and have earned Natalie Pace the ranking of #1 stock picker. Once you learn The ABCs of Money (that we all should have received in high school), you will transform your life out of struggling to survive and buried alive in bills to thriving.

As TD AMERITRADE chairman Joe Moglia says, "College students need this information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble."
Books Deals

Amazon Coupons
Medical charges from Mexico
Added on : Friday March 14th 2014 12:00:07 PM
g: 0 Posted By: CheapBustard
Views: 144 Replies: 3 Need advice on how to deal with unexpected bills from Mexican Ambulance. While on vacation in Cabo San Lucas in Dec of 2012, my mother-in-law had a medical emergency. She was on a boat that took myself and my kids to para-sailing boat and her finger got jammed between the two boats when they came together. Both boats belonged to a well-established local beach activities company. Her nail and a small piece of bone got sheared off, there was a lot of blood and pain. On the shore people in uniform (may or may not have been police) called ambulance. Ambulance people told us they would take us from Cabo San Lucas to San Jose del Cabo (probably 50 km away) to a clinic. When I questioned why we needed to go that far I was told that this was the only clinic that could do a surgery that was open at this hour. At that clinic (turned out to be private) doctors performed a surgery and requested us to pay everything in full on the spot. I was surprised that the activities company did not step in and took care of it, basically leaving us on our own. So my in-laws paid the bill (about $3,000 USD) that included $450 for the ambulance. Back in the US they got partial reimbursement from their insurance. About 10 months later they got their first letter asking them to pay roughly $3,000 USD. The letter had their correct address but their names were horribly misspelled. I was sure that was the same bill they got originally and told them to toss it since they already paid it. Letters kept coming and after looking more closely I figured that this was a new bill, just for the ambulance part. This was never presented to them and they were never told there would be an additional charge forthcoming. I'd like to ask for advice on what to do in this situation - should they ignore it, should I contact the company that is sending the bill, should I ask to verify the charges or should I wait until this gets sold to collection agency? Or should they go to a lawyer? BTW, my in-laws have very limited English so it would have to be me doing whatever it is needed to be done. I apologize for the long story, but I wanted to provide as much info as I can. I will attach images of receipts and bills.
Personal Finance Deals
g: 0 Posted By: ShoppingChick
Views: 246 Replies: 0 Amazon has the Learning Resources Pretend & Play Calculator Cash Registeron sale for $18.99 with Free Super Saver Shipping on orders $35+.

Working solar-powered cash register with LCD display
Features extra large buttons and storage drawer
Includes 30 play bills/40 plastic coins/pretend credit card
Recommended for ages 3 years and up
Dimensions: 10L x 9.5W x 5.5H in.

Toys Deals

Amazon Coupons
Special Humble Bundle: 30 games (and counting) for $25
Added on : Thursday March 13th 2014 07:00:03 AM
g: 2 Posted By: Murrow
Views: 261 Replies: 0 Special Link

Introducing a bundle of love for Brandon Boyer, with more than 30 indie games (and counting) just for you!Humble Bundle has teamed with independent developers to put together a bundle like no other.

To help support this cause, pay at least $25 to receive a ton of games and all proceeds will go directly to the Brandon Boyer Cancer Treatment Relief fund. In addition to Brandons medical bills for cancer treatment, the excess funds from this promotion will be donated to a select cancer research organization.

Games and soundtracks included in the Humble Bundle of Love for Brandon:

Actual Sunlight
AirMech
Auralux
Bagfull of Wrong
BitTrip Beat Soundtrack
BitTrip Fate Soundtrack
BitTrip Runner Soundtrack
Blocks That Matter + Soundtrack
Castles in the Sky + Soundtrack
Dynamite Jack
Ensnare Soundtrack
Ethan: Meteor Hunter
Fancy Skulls
God of Blades + Soundtrack
Goscurry + Soundtrack
Mazing
McPixel + Soundtrack
Paragon
POP: Methodology Experiment One + Soundtrack
Proteus
QbQbQb
Quixotica Soundtrack
Sepulchre Special Edition with eBook + Soundtrack
Shipwreck
Sokobond
Stacking + Soundtrack
Thomas Was Alone + Soundtrack
VVVVVV + Soundtrack
Waking Mars + Soundtrack
Warp Juggler
Wizorb + Soundtrack
World of Goo + Soundtrack

Check back on this post as more games are added to the lineup. This promotion will end on Friday, March 21 at 11:59 p.m. Pacific Time. Thanks to everyone for all of your support!
Free Ebooks 3-13-14
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

The SharpBrains Guide to Brain Fitness: How to Optimize Brain Health and Performance at Any Age
Rating - 4.6 (37 Reviews)

Modern life places extraordinary demands on our brains. Not only do we live longer than ever before, but we must constantly adapt to complex and rapidly evolving personal and professional realities. Yet, we often ignore our most precious resource to do so: our brain.
The SharpBrains Guide to Brain Fitness cuts through the clutter of misconceptions, superficial and conflicting media coverage, and aggressive marketing claims, to help readers discover what really works, and what doesnt, to improve brain health and performance at any age, to delay or prevent cognitive decline, and become smarter consumers of both media coverage and scientific research in the process.
With useful, pragmatic and personalized tips and suggestions that are easy to implement, the SharpBrains Guide offers a groundbreaking new approach for self-assessing current brain fitness needs and identifying the most relevant and evidence-based methods to preserve and enhance brain function throughout life. Whether your goal is to become more resilient, enhance memory, ward off Alzheimers disease, or simply improve mental focus to perform better at work, this how-to guide shows you exactly how to use it or lose it.
This new and much-expanded edition of the guide AARP named a Best Book on Brain Fitness combines a user-friendly tutorial on how the brain works with advice on how to choose and integrate lifestyle changes and research-based brain training. Featuring an independent analysis of hundreds of scientific studies published in the last 10 years, the book also includes in-depth interviews with 20 leading scientists who often challenge conventional wisdom and prevailing brain health thinking and care.
A thought-provoking, practical and captivating read, the SharpBrains Guide makes the fascinating and complex subject of brain function and neuroplasticity easy to digest with its common sense approach. Its time to rethink, and to truly apply, use it or lose it.

Time Management: How To Get More Done in a Multitasking World
Rating - 5 (13 Reviews)

This book contains proven steps and strategies on how to effectively manage your time and accomplish more even if most of your resources are limited.
This compendium consists of sixteen chapters. Time management is clearly defined in the first chapters: the working principles, the basic techniques, and why it is important. Prioritization is likewise defined, and the basic tips on how to do it effectively are enumerated and explained. Also, the reasons why people procrastinate are explained so that readers will know how to avoid it. Productivity levels can also be improved by following simple steps.
You will learn throughout the chapters that no matter what kind of profession or walk of life you belong to, time management is a very important concept. Students, entrepreneurs, managers, and employees they have varied needs as far as time management is concerned. These are all discussed thoroughly in this book. While passing time, games that will help you develop your skills on time management are also suggested.
Read this book to be enlightened on just what time management is all about. Find out how you can learn to use your time more effectively.

Here Is A Preview Of What Youll Learn After Downloading Time Management Kindle book:

Time Management Techniques
15 Efficient Time Management Tips
Time Management for Entrepreneurs
Time Management for Managers
Time Management for Employees
Time Management for Students
Time Management Tools
Time Management Dos and Donts
Time Management Games
The Art of Prioritizing
Developing Time Management Skills
Set your Goals the Right Way
Productivity
Procrastination
How to Get More Work Done in 2 Hours
Time Management FAQs


How To Be Smarter: Brain Training To Learn New Things (Being Smart, How To Be Intelligent)
Rating - 5 (4 Reviews)

Have you always wanted to have a mental edge on the people around you? Would you like to know REAL ways to boost your brain function without using invasive techniques or hyped pills that are junk science? There ARE ways to get your brain motivated to learn and the best part is it doesnt even seem like work!

New discoveries are made all of the time when it comes to the brain and improving function. Learn the latest and best techniques that are backed by real results by people like you! Put as much or as little effort as you want to in it and you will still see drastic improvements right away. Download this book TODAY to find out:

The best mental exercises for brain function improvement
Science of increasing intelligence
How health affects intelligence
Importance of sleep
Things you can add to your diet that WILL make you smarter!
Download this book NOW and start doing the things you need to BE smarter tomorrow!

My Secret List of Sites that Pay (The Beginners Guide to Quick Easy Money)
Rating - 4.6 (11 Reviews)

Why is it so difficult to determine which websites will pay us real money? Most sites claim to pay, but their payment methods are rarely in the form of cash that can be sent to your bank account and used to pay the bills. In this guide, the author reveals twenty-five websites that will pay you real money. None of these websites will ever ask you for a penny to get started. Stop your search right here, because the links in this book are the only ones that you will ever need.
You do not need to have prior experience for most all of these gigs. If you do have a skill or trade, you can certainly use it to your advantage.

If the following strike your interest, then reading this guide will give you the direct links to the sites that pay, which will walk you through the process so you are confident with what you are doing.

Below are a few of the options that you will find in this guide.

Submitting product/book reviews
Editing small pieces of work for others
Giving professional or personal advice on just about anything you can think of
Getting paid to put together professional slide-shows or short videos for other companies
Posting advertisement banners on the web, and getting paid for the clicks
Making money on a blog, and getting paid to ramble about literally whatever you want
Putting together flyers/logo designs for those needing advertising
Making video testimonials for a product/business
Deciding what to charge per service (my favorite part)


There you have it. Its real, its legit, and its the quickest and easiest cash Ive ever made. Not to mention, from home.

101 Juicing Recipes: The Complete Nutrition Rich Green Vegetables and Fruits Juice Recipes for Weight Loss and Healthy Living
Rating - 4.8 (11 Reviews)

How to apply Juice Fasting Program to lose 7 lbs in 7 days with these Nutritious Rich Juice Recipes.
The juice fasting plan is a fresh fruit and veggie detox that gives the digestive system a much needed break. High vitamins, minerals, and other essential nutritional elements are the key to getting rid of built up toxins and loss of unwanted weight gain.
The Modern World Is Filled With Stressors And Pollutants That Can Be Effectively Eliminated With Fresh Juice.
A Beloved Childhood Snack, Juice Is An On The Go Option That Advances Skin And Organ Health Through Adulthood.

Fresh Fruits and Vegetables Juicing Help You to Transform Your Body For:

* Energy enhancement from oxygen rich chlorophyll.
* Blood detox heals the body by eliminating impurities.
* The immune system is strengthened so that chronic diseases linked to cancer and arterial malfunction are mitigated.
* Weight loss is precipitated with juice enzymes.
* Hair, skin, and nails sustain growth, extending their appearance, and controlling them from premature aging.
* Mental acuity in concentration, memory, and precision are improved with juice.
* Increased muscle and joint flexibility.
* Deal with Insomnia and other sleeping disorder with Juicing.
Also, You will Discover:
* How A Cleanse and Detox Program must be Successful: Ultimate Tips?
* Role of Juices to fight back with cancer!!
* How Your Kidney/Liver Function will be to Improved by Juicing?
More than 101″ Delicious Vegetables and Fruits Juicing Recipes for:
* Weight loss and Fasting
* Cleanse and Detox
* Immune Boosting
* Wrinkle Reducing
* Colon Cleanse
* Prevent & Fight for Cancer, Diabetes
* Increases your Kidney Function
* Muscles Soothing and calming
* Memory Boosting
* Your Kids
* Mental Acuity
* And More
Totally Free Deals
Executive Savings Plan for fun and profit
Added on : Wednesday March 12th 2014 03:00:11 PM
g: 0 Posted By: CptSavAHo
Views: 47 Replies: 2 My company offers an Executive Savings Plan and you can defer up to 100% of salary including bonus but you have to elect your participation as a % of salary at the start of the year. This year I elected 5%. As I understand it the money put into ESP is before tax and does not count as income when taxes are filed, and only reported as income when withdrawn or required to be reported as an asset on most federal forms. This had me thinking that there could be several lucrative times and ways to defer significant portions of my income.

1. Spend a year living very frugal, saving $40k or so of post tax earnings. The following year defer 100% of salary and bonus into the ESP and pay bills out of the $40k savings. Report zero taxable earnings for that deferred year and claim the various benefits such as EIC, etc. The ESP can be drawn on in case of emergency and without penalty.

2. Save over a larger time frame, say 10 years but at smaller increments. The two years prior to my son going to college defer a large % of salary and file extremely low income on FASFA forms. Continue to defer income until son graduates.

I'm sure there are more ways to utilize it.
Personal Finance Deals
any way for my sister to pay bills without losing benefits?
Added on : Tuesday March 04th 2014 07:00:11 PM
g: 0 Posted By: IStillPickUpPennies
Views: 123 Replies: 3 My sister was diagnosed with cancer a few months back. She worked at a call center for almost a decade. There was lousy insurance there, and no job security at all. (you could be fired if your typing speed dropped just a little, etc.)

Her doctors told her that she needed major surgery to remove the cancer, and that because of her weight and other health issues it would likely take quite a number of months to recover.

Although she explained to her bosses that she was diagnosed with cancer, and that she would need a number of months to recover after surgery, she was then fired from her job. It has now been more than 4 months, and she is still in an assisted care
facility, after being released, getting a major infection, and having to be readmitted to the hospital.

She has gotten a lot of financial help from various friends and family for the surgery, bills and other basic living expenses. She also finally signed up for unemployment, food stamps, etc., so that she can get some help
before getting back on her feet and finding a new job.

Trouble is, she has been told that she can't have more than $100 in her accounts, or she risks losing the benefits. When she gets a check from friends, she has had my Mom running back and forth to the bank, cashing the check, and then depositing small amounts under $100 to my sister's checking account so that she can write multiple, small checks to pay her bills.

My sister does not have Internet or a smartphone which might help simplify matters by allowing her to pay bills herself or something along those lines. She currently has a laptop and internet connection at the hospital, but says she would not use any sort of online system, due to not trusting computers with her personal information. Now my parents are down in Florida for a while, and it looks like my sister expects me to run back and forth to the ATM for her, so that she can continue to try to mail out multiple, small checks to pay her bills.

There has GOT to be a more efficient way to go about this, but the only thing I was able to think of was American Express Travelers Checks. Up until about 6 years ago, we always used them when we went on vacations. I was able to get them for free at our credit union. I was thinking perhaps I could get my sister a bunch of $100, $50 and $25 travelers checks when she wants me to cash a check, which she could then mail out to pay bills, and they wouldn't even show up on her account balances when they do an audit to determine her benefits. Trouble is, our credit union stopped selling them, which means I would probably have to drive to a bank and incur fees & such.

Can anyone think of a simpler way for her to pay her bills in a check-like fashion (mailing out some form of payment) without having to first deposit the money into her accounts? I am not really coming up with any good solutions for this, so I'd appreciate suggestions. Thanks so much for any helpful ideas you might have to try.
Personal Finance Deals
g: 0 Posted By: DaysFan
Views: 216 Replies: 0 Good Ideas RW50 Rain Wizard 50-Gallon -$59.99$129.9954% offList Price
http://tools.woot.com/offers/good-ideas-rain-wizard-50-gallon-1In Stock.Ships in 3-5 business daysConditionNew

50 gallon capacity rain saver
Classic whiskey barrel look
Collect water that's great for plants and save money on water bills
Flat-back design that saves space
Made with ultra-tough, BPA-free, FDA approved, Polyethylene
Anti-debris screen that keeps out bugs and gutter garbage
Rotationally molded to hold up against cracking and splitting, even in winter
Connectable with other Rain Wizard 50 for expanded storage (Linking kit sold separately)
Includes a rugged brass spigot
Made in the USA

Check out this super handy product video!Shipping Note: Shipping to Alaska, Hawaii, PO Boxes and APO addresses not available for this itemWarranty: 1 Year Good Ideas
Home & Garden Deals

woot! Coupons
newbie please help :(
Added on : Tuesday February 25th 2014 08:00:10 AM
g: 0 Posted By: michaelwoply
Views: 135 Replies: 1 Hello, I'm 35 and draw social security each month. I'm on Social Security and not SSI which gives me the ability to have assetts. Anyway, I'm pretty sure I have no credit but not bad credit. If I want to build credit by using a secured credit card how much of my social security should begin the card with? After medicair taken out I have 913 before bills and currently have 2,500 in a checking account. After bills I have 400 to save. I'm seeing some good options on sites that review cards but wanted to see what ya'll thought so I can make an educated decision. Also, any tips on how to use a card correctly would be much appreciated. I recently read that its best to use no more than 30% of your available balance at one time. Not sure what that means. I suppsose they're suggesting to only use 300 of a max limit of $1000 at one time? Thanks in advance, lol.
New User Question Deals
Need advice on current debt situation!!
Added on : Wednesday February 19th 2014 10:00:13 PM
g: 0 Posted By: dlight1
Views: 50 Replies: 2 These type's of threads always get loaded with RED towards the OP, however I'm asking the community here on any advice to help the situation.

Debts
Home Equity Loan: $34,200 @ 5.25%
Student Loan: $5,100 @ ($4,500 @ 3.4% and $600 @ 4.5% consolidated)
Chase Credit Card: $0 @ 17.99%

Assets
Net Annual Pay: $22,000
Bank accounts: $3,072
401k: $22,000

Basically in a nutshell, the Home Equity is $224/mo for the next 19 years and the Student Loan started as 12,000, but is now just sitting in forbearance for the past year and a half. Forbearance is due to expire in October, but chances are I'll ask for an extension. The student loan offers auto-pay which reduces the interest by 0.25%, but obviously carries a $53/mo bill to stay on track, or $33/mo if extended to a 15yr term (10 original term). The Chase card has a low credit line of just over $2,000, but its sole purpose is to be used to earn 1% CashBack paying monthly bills (yeah trying every avenue to help... net CashBack is roughly $240/year), such as electric, water, and sewer bills. Based on the past 2yrs of bills, etc... In around August or early September, we no longer will be able to make payments on the monthly expenses.

Basically, I just would like to know of any other sources/ideas to eliminate this debt or at least stay steady and make it by on current income.

The next possibility to help things would be to lower health and dental plans. Currently paying around $3,276 annually from employer. Tapping into the 401k seems tempting, but would like to stay away from that option as well (unless it would actually help matters). As of right now, the only chance of hope is to get a raise in July, otherwise somethings got to give somewhere.
Question Deals
Pregnant daughter (minor) delivery not covered under insurance.
Added on : Wednesday February 12th 2014 03:00:21 PM
g: 4 Posted By: CptSavAHo
Views: 305 Replies: 11 Posting this for a coworker.

His daughter is 16 and pregnant. Insurance carrier is Aetna. Aetna has covered all of the prenatal visits. They dropped the bombshell on him that they will not cover the delivery 'unless there are complications' and did not elaborate very much on what qualified as a complication. Apparently somewhere in the insurance is a clause that in the case of a dependent becoming pregnant they do not cover the delivery and the grandchild is not eligible to have care provided under the dependent's plan. Its a big loophole now since ACA extends dependent care to 26 years old.. He didn't expect it and definitely does not want to have to shoulder the $20k+ of hospital bills. Medicare is out, his income is way too high. ACA appears to also be out since she is a minor. Former boyfriend is out for now, but might be on the hook at 18. There's about 3 months left in the pregnancy. Any advice on the best course of action? My advice was to get a midwife and try to deliver at home at significantly lower cost, then if it has a 'complication' to go to the hospital,

The only option we found for getting coverage would be for the daughter to release parental rights, but not clear if this would be effective before or after pregnancy, or how easy it would be to reverse down the road.

Link

Please no jokes, I'm going to refer him to the thread so he can join FWF and get help in his difficult situation.
Question Deals
Use FSA to reimburse new ACA reinsurance fee
Added on : Wednesday February 12th 2014 06:00:12 AM
g: 0 Posted By: Gman476
Views: 31 Replies: 0 As many of you may have noticed there is a new $63 per person per year tacked onto your health insurance bills now. This can be quite a bit if you have a spouse and dependents on your plan. If the fee is paid on your behalf by your company it is still treated as income to you (unlike health insurance premiums paid on your behalf by your company). I'm going to attempt to seek reimbursement on a monthly basis for this fee through my Flexible spending account. I researched it briefly and could not find any definitive information. I noted that insurance premiums are prohibited from being reimbursed through an FSA but this is clearly labeled a fee and not an insurance premium (or it would not be treated as taxable income to the recipient).

If anyone else has any insight on this then feel free to share.

Thanks
General Economics Deals
g: 1 Posted By: remick
Views: 107 Replies: 0 http://www.amazon.com/How-Save-Money-21-Day-Challenge-ebook/dp/B...

4.2 out of 5 stars (77 customer reviews)

After getting laid off I had to wade through all the frugal tips like "reuse twist ties" and "turn off the lights when you leave a room" to find the ones that really delivered.

Sure you can save a few pennies by turning off the lights around the house, but I needed to make bigger money-saving moves. I didn't need to save a few pennies, I needed to save many hundreds of dollars each month.

That is what this challenge is all about: taking 21 days to make some drastic, but realistic, changes in order to save at least $500 each month.

If you are anything like I was, you probably have more bills and payments due each month than you have money coming in. You have undoubtedly read other money-saving tips in the past, but just felt like none of them would yield much result. You also probably don't have the time to read through a bunch of fluff, but just want to get to the point! If this sounds like you, then you are who this book was written for!

And while this challenge is not intended to solve all your financial problems, it will definitely help you save money!

The book is broken out into 21 short chapters, each with a realistic money-saving suggestion that will help your reach your $500/m goal. To succeed with the challenge you will need to take the chapters day-by-day and not just fly through the whole book in one sitting. Those who read a chapter a day and take action each day will be rewarded with much better success.
Totally Free Deals
So, I have exhausted my resources...(Another PDC thread)
Added on : Tuesday February 11th 2014 01:00:07 AM
g: 0 Posted By: jakemarionmusic
Views: 100 Replies: 0 Let me begin by thanking anyone who shall read this for their time.

In my search for an answer, i have found this forum to be the only real help.

I used the search function and found these threads:

http://www.fullofdeals.com/forums/finance/1255994/

http://www.fullofdeals.com/forums/finance/1282553/


And though they were helpful and informative, I could not find a solution to my issue.

I have about 8500 in PDCs.

2 Greendot, 2 Bluebird, and a Netspend.

I would like to rid myself of these useless things and put them in my checking acct.

I have considered using them instead of my checking acct for bills, but it would take me almost a year to empty the cards.

The only way I could diminish the balances would be to spend frivolously (<---opinion).

I have tried using Flint, Square, Paypal and Amazon but they offer me no better option.Flint and square do not accept PDCs and PP and Amazon Payments have such low limits that it would take me quite some time to access all of my funds.

USAA, my current bank, will not apply the PDC balance to my checking either.

So I ask of you, what can I do?

Again, thank you for your time, Jake.

New User Question Deals
Using Money Order routing/account numbers to pay bills?
Added on : Saturday February 08th 2014 03:00:06 PM
g: 0 Posted By: tedteddy
Views: 180 Replies: 0 On the bottom of most money orders there is a routing number and a unique account number which is different on each MO. It appears to be identical to how checks are set up.

Knowing that you use check routing/account numbers to pay CC bills online, it made me wonder...

Has anyone tried to pay their CC Bill online by using these numbers? It seems like it would work. Isn't a money-order just a temporary account?


Personal Finance Deals
Discover Card $500 Cashback Bonus Offer (targeted)
Added on : Monday February 03rd 2014 07:00:09 AM
g: 0 Posted By: fozzy13
Views: 312 Replies: 3 I noticed this offer after signing into my Discover account today under "ways to earn more." I presume it's a targeted offer, but worth checking your account to see if signup is available. Easy money for those who don't need to generate MS.

$500CashBack BonusOfferSpend $3,000 every month 03/01/2014 - 07/31/2014 and then get$500CashBack Bonus

Offer Details
1.SIGN UP PERIOD: 02/01/2014 THROUGH 03/04/2014
2.Use your Discover card to make at least $3,000 in purchases each calendar month from 03/01/2014 through 07/31/2014.
Example:
March $3,000 Spring Break plans, Gas, cell phone bills
April $3,000 Transportation, garden supplies, groceries
May$3,000 Mother's Day, wedding gifts, online shopping
June$3,000 Father's Day, graduation gifts, transportation
July$3,000 Summer trips, gas, home improvement

Track your progress each month with our Dashboard during the promotional period.

3.That's it $500CashBack Bonuswill be yours.


Credit Deals
Discover Card $500 Cashback Bonus Offer (possibly targeted)
Added on : Monday February 03rd 2014 06:00:20 AM
g: 0 Posted By: fozzy13
Views: 30 Replies: 0 I noticed this offer after signing into my Discover account today under "ways to earn more." I presume it's a targeted offer, but worth checking your account to see if signup is available. Easy money for those who don't need to generate MS.

$500CashBack BonusOfferSpend $3,000 every month 03/01/2014 - 07/31/2014 and then get$500CashBack Bonus

Offer Details
1.SIGN UP PERIOD: 02/01/2014 THROUGH 03/04/2014
2.Use your Discover card to make at least $3,000 in purchases each calendar month from 03/01/2014 through 07/31/2014.
Example:
March $3,000 Spring Break plans, Gas, cell phone bills
April $3,000 Transportation, garden supplies, groceries
May$3,000 Mother's Day, wedding gifts, online shopping
June$3,000 Father's Day, graduation gifts, transportation
July$3,000 Summer trips, gas, home improvement

Track your progress each month with our Dashboard during the promotional period.

3.That's it $500CashBack Bonuswill be yours.

Car Accident Law suit?
Added on : Sunday February 02nd 2014 01:00:04 PM
g: 0 Posted By: AMV75
Views: 4 Replies: 0 My wife was in a accident a week ago, she was traveling home from work on the expressway and was rear ended, she was behind a salt truck moving at 45 mph, the car that struck her was moving at 60 mph, she spun out of control hitting the side rails several times, our 2013 Kia was a complete loss. payoff amount $13,500. The cops came on seen and sighted the other driver 100% in fault of the accident. I took my wife to the emergency room where she had a M.R.I. and x-rays. She suffers from severe whip lash and bruising from the airbag impact. Her doctor took her off work for at-least 3 weeks and recommended physical therapy. Her 1st day of therapy will be on Monday. She earns a salary of $80,000 annually. I contacted an attorney and he really wants the case, but they take 33% and I would like to get a settlement without the use of an attorney... according to my research this is what attorneys do....

Obtain and review the Accident Report
Speak to the investigating officer
Locate witnesses
Obtain photographs of the vehicles involved
Review your medical records
Speak to your doctor
Review your medical bills
Communication with the insurance company
Review potential lost wages
Review the at-fault drivers driving record
Review the at-fault drivers criminal record
Negotiate a settlement
File a lawsuit only if necessary

and in the state of Ohio where the accident happened these are the different things we can go after money for.....I am reaching out to anyone who wants to offer an opinion on how much I should ask for or accept from the insurance company (Progressive) in total for all of these items, I have included estimated cost for what I know so far..

Medical treatment expenses ($5,000)
Income loss from missing work ($6,000 and counting)
Pain and suffering (????)
Emotional distress (????, she is terrified to drive in snowy weather)
Loss of enjoyment (????,she will not be able to see her son wrestle in at-least 3 big tournaments,)
Property loss ($13,500)
Punitive damages (????)

thanks in advance, and ask any questions you need to help me figure this out.


Personal Finance Deals
g: 0 Posted By: forzaINTER
Views: 19 Replies: 0 Free shipping with Amazon PRIME.
NFL Men's Control the Clock II Short Sleeve Tee or NFL Men's All Time Great Short Sleeve T-Shirt $6.06 at Amazon.SIZES available at the moment: Med, LRG, XL..Cardinals, Falcons, Bills, Panthers, Bears, Browns, Lions, Packers, Texans, Colts, Saints, Giants, Jets, Raiders, Eagles, Bucs, Skins..

http://www.amazon.com/Giants-Control-Clock-Sleeve-Stadium/dp/B00...

http://www.amazon.com/gp/product/B00FWGOJY0/ref=as_li_ss_tl?ie=UTF8&camp=1789&creative=390957&creativeASIN=B00FWGOJY0&linkCode=as2&tag
g: 0 Posted By: flwsoldier
Views: 60 Replies: 1 I have the PenFed Visa Platinum Cash Rewards (the 'old' one that gives 5% Cash Back on gas, not points) and found an offer in my mailbox from Penfed. At this point, I don't know if it applies to their other Visa cards or not. But here are the abbreviated terms:

$10 credit from Penfed for each bill paid using the Visa (up to a maximum of 3 bills, for $30 credit)
Bill payment transactions must be posted by March 24, 2014.
Bill must be paid as a "card not present" transaction.
Merchant must be identified by Visa "as a one-time or recurring bill payment based on the information available on Visa's proprietary network (VisaNet.)
"allow up to 60 days from the end of the offer period to receive your statement credit."

Credit Deals
1099c from short sale, how to mitigate tax liability?
Added on : Saturday February 01st 2014 11:00:04 AM
g: 0 Posted By: Ma171aC
Views: 165 Replies: 3 In a situation much like everyone else with Florida property who was laid off during the crash. Purchased condo with intent on staying for many years, laid off and relocated for work (i was very lucky and happy with the offer) back in December 2008. Already under water, i rented the property and took my $800 hit each month. Eventually couldn't keep up and went through a 2 year short sale process. Bank wrote off 67k, i agreed to 15k promisory note at 0% interest. I understand the debt relief act that was extended through last year, but its only for primary residence..

My question i suppose is that my hardship caused all this to begin with and i made an attempt to keep up with my end of the deal. I was not insolvent at the time of sale either so that's off the table. Anyway i can take advantage of the debt relief act or are there other ways i can reduce the tax impact i'm about to receive? I do have a tax guy who will be receiving all my docs for last year, but i thought i would ask the great fatwallet community and see if anyone has experienced something similar.

To get this out of the way, i have every intention of paying my bills if thats what it comes to (although not at once, thats a mighty large tax bill). How did the "walking away" guy end up dealing with it, or did he have to? I THINK i can request removal of all late fees and other charges on the total amount that was owed to reduce the 67k number can't I, making it just what they lost on the house and not their fees?

Timeline in case it matters;

Purchased Townhouse 3/2007
Laid off 12/2008
Relocated for work (TX) 2/2009
Purchased house in TX 4/2011
Stopped paying mortgage 7/2011
Started short sale process 9/2011
Property sold 7/2013 for 141k
Total OWED 223k
Paying back 15k @ 0% to bank
they wrote off 67k which i got a 1099c for

With the deficiency "income" i'll be looking at around 180k of total income last year so that's the tax bracket.

Tax Deals
g: 0 Posted By: heyyl0w
Views: 199 Replies: 0 Amazon has the NFL Men's Victory Pride Long Sleeve V-Neck T-Shirt(Assorted Teams) for $9.70. Ships free with orders of $35 or more. Sizes and prices available vary by team.

There are limited teams available, my Packers sure were I'll update this post and include the teams/sizes that get this price. It's worth checking out either way - some sizes on certain teams are still only $10-$15!

Arizona Cardinals - Small

Atlanta Falcons - Medium-XXL

Buffalo Bills - Small, Medium, Large

Chicago Bears - Small

Cincinnati Bengals - Medium-XXL

Green Bay Packers - Small-XL

Houston Texans - Medium-XXL

Indianapolis Colts - Small-Large

Minnesota Vikings - Small

New York Jets - Small, Medium

San Diego Chargers - Small, Medium

Tampa Bay Buccaneers - Large

Washington Redskins - Small
Clothing Deals

Amazon Coupons
Income going up SIX fold - changes to expect?
Added on : Tuesday January 28th 2014 07:00:08 AM
g: -1 Posted By: ChelseaMD
Views: 221 Replies: 5 Hi guys,

I made a new username for this topic - I have been a member here for a while, but wanted to have a different username as my old one is tied to many accounts that could make my identity known, which for some reason, I would like to keep private for this topic.

I am currently a chief resident in a surgical sub-specialty at a terrific institution. While residency comes with great training, the pay is less than stellar. My average for the last five years was about 50k a year. I have had the benefit of being married to an attorney who makes a nice amount of income, about double my salary for the last two years. So we have not, by any means, had any complaints of living under poor circumstances and are very grateful to be in our position.

Through my 5 years of residency, I maxed out my Roth IRA each year, and my wife contributed the max to her TSP to have any equal match by her employer. Our retirement is on track with what we wanted to do, especially since after this year, we will not be able to give to a Roth any more. She was blessed to come out of college and law school with ZERO debt and no student loans. I came out of college with no debt, but have roughly 120k of medical school loans to pay back still. About half are locked into a 3.5-4% rate while the rest are at 6.3%.

We have rented the last 3 years (in a big city) and have a car that is fully paid. No credit card debt at all, all bills paid for 100% every month.

I just signed a contract with a private employer to start next year back near our hometown. The starting salary is roughly 6x what I made in residency with a bonus structure that takes it even beyond that. I was lucky enough to be offered a partnership position from day 1, with no associate years/trial years to decrease my flow of income if I work hard. Basically it is an assured salary with a bonus structure that pays me 100% for every cent I make over my salary floor. It also came with a signing bonus worth about 1/2 of my yearly resident salary and moving expenses to get us moved in to our new location with no cost to us. A true sweetheart deal that I cannot be more thankful for.

Now, my wife will have to leave her job, with no way to transfer as there is no government branch there to transfer to. The cost of living will be lower, so we have that to look forward to as well.

But now comes the great unknown, and I am unsure about a lot of things - I am 30, she is 29. We currently have no children, but plan on having them in the next year or two. We want to buy a place - either a condo or house close to the beach I will be working on. We will need new cars, new health insurance, new retirement planning, new child planning, etc. I assume a lot of our benefits will be done through my employer as I have started to look through it.

However, I ask the awesome FW community - what should I expect? Besides higher taxes, what should I do now that my net worth, etc is worth more than it ever has - and by a long margin. Are there important things I must do now? A will? Life insurance? All these things I am trying to learn about, but I cant seem to shake the fact that I am forgetting many things.

I thank you all ahead of time for whatever advice you can give.
Personal Finance Deals
Debt Collection from Dr office
Added on : Sunday January 26th 2014 01:00:10 PM
g: 0 Posted By: ggmon
Views: 139 Replies: 1 Back in late 2012 my wife went for annual Gynecological exams at a Dr office in South Jersey. Its's 100% covered by insurance . She had the Pap-smear exam and was asked about any concern. So she complained about bloating since she heard on Dr Oz that cervical cancer can be the cause of bloating. Dr said in that case you could take a Ultrasound but no prescription was written. When the bills came they was addition bill of ~80 dollar with description Patient complaint in addition to several hundred dollars for Gyne exam which insurance paid and this was not covered.
My wife then called the billing office several times to clarify and could never get hold of one and left voice messages multiple times but never received calls.
When she received another bill due in May 2013 she again called billing office but same story. Then she called insurance and they said this visit is covered 100% and has also tried to reach the Dr's billing office.
After 8 months we get a bill from debt collection agency for the balance . She has contacted insurance agency and they said that this was due to question about bloating.Now this Dr office was bought by a hospital recently so billing agency has changed and they no longer handle old bills.
So we tried reaching Dr office and old billing agency and it getting no where.

Our principle is we shouldn't be paying for something we don't owe but don't want Credit History to be ruined.
FW'ers What do u think is the right course of action ?
How do we resolve this?. Is going to court an option?


Personal Finance Deals
DCU 3% on first $500 in the savings account now
Added on : Saturday January 25th 2014 08:00:09 AM
g: 0 Posted By: LordB
Views: 114 Replies: 1 Not worth opening a new account for obviously, but if you already have one the $15 is a nice little bonus and if needed you can transfer the money instantly from the savings to your DCU checking account. No spend requirements etc.

Personally I generally keep $1500 in the checking account for emergencies and DCU is my primary checking account that I pay bills etc. from, but now I will put $500 of that into the savings.

https://www.dcu.org/personal-banking/savings-choices.html
Deposits Deals
Advice for my mom- 69 y.o., still working, no 401K
Added on : Wednesday January 15th 2014 05:00:10 AM
g: 0 Posted By: Rubl
Views: 16 Replies: 0 Hi everyone,

I'm seeking advice for my mom who just turned 69 y/o, and she's still working. My family immigrated here about 20 years ago. Due to their life experiences they've held little to no trust in governments or stock markets. Basically, they've saved cash or invested in gold. However, my dad passed away a few years back, and essentially everything has been entrusted to me to help my mom with her finances.
Her situation is as follows:
She is still working full time (~15/hr) and hopes to continue to work for another decade, but maybe slowing down a bit.
about 100K in Cash savings - literally 40K in bills! The rest is in two savings accounts ( .9 -1.2 APR)
Social Security - 1000/ month
So, here are my questions:
1. My mom started withdrawing here SS after turning 62 (long story). Is there any sense in paying back with her pile of cash to defer her to SS to start at 69 or later?
2. She has no 401K account or IRA account. Is there any logic in opening one for her? I couldn't find much info for retirement savings after the retirement age.
3. Will we run into any issues when making deposits with all that cash?
4. What the hell do I do with the gold they've bought?

About me: I'm a devoted daughter , have very stable 90K income, and obviously, will support my mom if there is ever any need.
Thanks in advance!


Wife Quitting Job - AOR & other advice
Added on : Monday January 13th 2014 06:00:16 AM
g: 0 Posted By: kogerk
Views: 46 Replies: 1 My wife is quitting her IT job in 2 weeks for both increased stress and personal reasons. It will be a bit tight, but we should be able to pay all our bills (mortgage, utilities, taxes, phone, internet, insurance) with my salary, without dipping too much into our savings/emergency fund. In the long term (after 1 year) she probably will look for other options. We have two rental properties (big thanks to FWF) that are positive cash flow (about $600/month) that I do not plan to dip into.

I am looking for advice on what steps to take in the next few months, so as to not run into problems and if possible exploit the current situation.
- Unemployment benefits is almost ruled out since she is quitting and there is no harrassment of any kind.
- Will transfer health insurance onto my name in the next couple of weeks.
- Plan to do an AOR on her name (details below - any input is highly appreciated)
- Anything else ...!!??

The AOR is primarily for points/CashBack. I plan to get big on BB/VR and MS to further supplement our incomes. We do not have CVS, Riteaid, OfficeMax. We have Walgreens though and will try my first VR today there.
Her credit score is about 705 (credit karma) and her current salary is about $65K (mine about $80K). Here is a list of potential ongoing offers. Am I missing some offers.
Wells Fargo 5 rewards points for every $1 spent on gas, grocery, and Drugstore net purchases for 6 months (primarily for VR at WGs) Barcley 2X on all purchases - ==2.2% CashBack NFCU 60K points with $3K spend in 3 months -- now 15K?? Marriot 70K points with 1K spend IHG Rewards Club 80K points with 1K spend Capital One 50,000 points with Capital One Venture Card Chase Slate Introductory Offer: 0% APR on Balance Transfers Chase Saphire 40,000 Ultimate Rewards points after $3000 within 3 months Chase Ink Bold 50,000 UR points
I plan to get a EIN and also apply for some business cards. We don't worry about any hits on her credit score, as we don't plan on refinancing or such in the near term. I have done couple pf mini AORs before but, I plan to optimize this AOR since we might not be able to show any income on her name for a while.

I would highly appreciate any advice on all pertinent matters. TIA>

Personal Finance Deals
Nursery charge for newborn
Added on : Monday January 06th 2014 02:00:08 PM
g: 4 Posted By: bluegreenturtle
Views: 197 Replies: 0 I am hoping somebody with some sort of special knowledge of hospital billings might read this.

We recently had a baby. Normal delivery and the charges to Mom's account, while crazy high for a normal delivery without complications, were what we expected and she hit her $5000 out of pocket max anyway.

Then they started a billing account for the baby and started charging things to her. Ok, some of it made sense, like a diagnostic test or any medications (eye drops) given. But in addition to Mom being charged for the labor and delivery room and then the recovery room (the only 2 rooms we saw) they also charged the baby $1500 for "nursery." all of which will be out of pocket since it's under the deductible for the baby's account. I wrote to the hospital and asked about this, explaining that the baby never spent any time in a nursery or any other room, and the reply was "the hospital always bills for a nursery charge because there has to be a room avaiable in case the baby is ill or has complication." This doesn't make sense to me - do they always charge for the Operating Room in case a C section is needed? No. Do they always charge for an emergency cart because the mother or baby could go into cardiac arrest? No.

Anyway, is this normal practice? I'll have to pay the whole thing if we're liable for it, so it's worth a little bit of time to try to fight it or negotiate it. Also, if they just would have charged it to the Mother's account instead of the newborn, then the insurance would be on the hook for it. Is that impossible to ask for?
Personal Finance Deals
Tips on settling debt?
Added on : Sunday January 05th 2014 03:00:07 PM
g: 0 Posted By: LeonWhite38
Views: 135 Replies: 4 I'm asking this question for my mom as I've been racking my brain on how to help her get out of debt. I'm a big fan of Dave Ramsey and I listen to his radio show every night I have the chance and he says to be as vicious as possible when dealing with debt collectors. Right now only one of my mom's bills has been turned over to a collection agency and it's from AT&T for $350. Dave says that most of these debt collectors will settle for as low as 10 cents on the dollar, but you have to stand your ground with them and have them send you a letter first saying that the debt is paid in full for the agreed upon price. I understand that, but does it really work like he says? Also, should I have my mom stop paying her other debts so they will be turned over to collection agencies and dealt with as Dave recommends?
Personal Finance Deals
Can you claim Vetrinary cost on Taxes as losses on property
Added on : Saturday January 04th 2014 06:00:05 AM
g: 0 Posted By: vnw98
Views: 7 Replies: 0 I am looking for serious input only. Thanks in advance.

So the story goes my dog was sick, and vet bills added up. He was diagnosed with coon hound paralysis. Luckily I am able to afford for his care, and in 3 months he has made a complete recovery. The state I live in considers animals as property. I do not know anything about tax law. Is there any way to claim the vet bills as losses?
Real Estate Deals
Mortgage company late paying tax bill, any recourse?
Added on : Friday January 03rd 2014 11:00:19 AM
g: 0 Posted By: PsychoFan
Views: 24 Replies: 0 I'm assuming my recourse is oh well/too bad, but I just want to be sure.
Basically, sent via fax a Real Property Consolidated Tax Bill to mortgage company in the beginning of December. Receipt of the bill was acknowledged in writing via email from the company. The payment deadline was 12/31. Mortgage company never paid the bill, so got in touch with them yesterday on 1/2 to ask what's going on. They acknowledged oversight and paid the bill today (1/3). Issue is that because they paid this tax bill ($3K+) in 2014, it will not appear on the 2013 year end summary thus I cannot deduct when I file my income return, right? I know some of you may ask why I didn't contact them earlier, but my experience has been that tax bills aren't typically paid by mortgage company until the actual due date. I guess it's lesson learned to keep bugging them in the future (at least I should be able to deduct it in 2015 then, right?).
Underwater Mortgage Options
Added on : Sunday December 29th 2013 11:00:05 AM
g: 0 Posted By: Benjamin75
Views: 56 Replies: 0 General info.

1st mortgage with PNC bank
balance $55,472
payment $742.74 (including tax/insurance)

2nd with Huntington bank
balance $33,311.51
payment 359.58

Totals
owe 88,784.12
payments 1,102.32

house is a duplex, built in 1922 in Ohio.
the county for tax purposes had valued the house for $97,800 before the market collapse, then the value dropped to $78,000. In 2012 the county raised it back to $98,700

i would like to move, my neighborhood has declined, and quite frankly, I don't like where I live. I could have a nicer apartment for half of what I pay now.

Currently, i bring home JUST enough to pay the mortgages and other debts (minimum payments) to be one of the working poor. Just barely enough left after bills for food & gas. Anything extra, or unexpected ends up on a credit card.

i was approached by PNC and told my mortgage was eligible for a HARP refinance, since the loan was owned my Freddie Mack. When they ran the numbers, I was told if I paid close to $700 up front, I could reduce my interest rate and lower my monthly payment by about $100. Since I didn't have $700 laying around! and it would take 7 months to even break even, I did not go further with it.

i approached Huntington about refinancing my loan with them. It has an interest rate of 10% and I had to have my mother co-sign for it. I was hoping to get her name off, and possibly a lower rate. Huntington surprised me, by telling me I may be able to get one new mortgage from them, that payed off both of my loans, put it all in my name alone, and would save me $100-$300 per month depending on the interest rate.

Huntington paid for an appraisal, and it came back at $60,000.
Huntington isn't offering to do anything for me now.

from what I've read, I'm not eligible for any of the modification programs because Huntington isn't a participating bank of HAMP, and because I have a co-signer.

so do I have any options?

Short sale: doubtful Huntington would agree to take what little money was left after PNC took their money. Seems they'd rather go after my retired mother.

Walk Away/Foreclosure: ruin my credit, Huntington still pursue me; ruin my mothers credit and have her pursued also.


Real Estate Deals
Ceton Infinitv 6 ETH $249 Amazon
Added on : Friday December 27th 2013 11:00:03 AM
g: 0 Posted By: mistadeal
Views: 249 Replies: 0 http://www.amazon.com/Ceton-InfiniTV-ETH-6-channel-CableCARD/dp/B00CBXEKZ0/

Turn your PC into the ultimate cable box & DVR
Lower your cable bills and get TV & DVR in every room
Watch and/or record 6 HD cable TV channels simultaneously, including premium channels
Stream live TV to multiple PCs
Works with any U.S. cable TV provider

Electronics Deals

Amazon Coupons
g: 0 Posted By: sandy05
Views: 195 Replies: 0 Just saw this offer in my BofA account:
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Services Deals
Credit card convenience fee-Medical bill
Added on : Friday December 27th 2013 01:00:05 AM
g: 0 Posted By: pghphil
Views: 0 Replies: 0 I usually pay my medical bills by credit card for the rewards. One of the providers is now charging a 4% convenience fee for all credit card transactions.
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.
Discussion Deals
Anyone ever negotiate with a cell phone company?
Added on : Monday December 23rd 2013 08:00:08 AM
g: 0 Posted By: StevenColorado
Views: 192 Replies: 1 I switched from a crappy company to T Mobile. Old company charged me $250+ per month for four lines, had dropped calls regularly, and my gf couldn't get signal at her workplace.

T Mobile charges me about $150 per month for four lines, and she gets signal. Much fewer dropped calls.

Old company is trying to bill me for ETFs, etc., for a bill over $900 for my last two months. I'm about to call and offer them $300 to settle the bill, claiming that they broke the contract by not providing me with a reliable signal, and citing my record of calling them to complain about that and the high bills, neither of which was ever addressed.

I expect them to ignore me and refuse any offers, but it's worth a try.

Any tips?
General Economics Deals
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72-watt Mini Solar Farm $329.99 + SHIPPING Bargainoutfitters.com
Added on : Saturday December 21st 2013 08:00:04 AM
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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Electronics Deals

Bargain Outfitters Coupons
g: 0 Posted By: DaysFan
Views: 66 Replies: 1 Three-Button Suit Jacket Was: $149.99 Outlet Price: $19.99 Clearance: 86% off


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Need help with my finances.
Added on : Thursday December 19th 2013 07:00:12 AM
g: 0 Posted By: sanaam
Views: 350 Replies: 16 Hello to all and happy holidays. I'm looking into a personal loan from a private lender or a bank but the problem is I have credit score of 530! the loan amount I'm looking for is $2500 for few credit cards that i have with really high interest rates, as much as I try to pay them it never goes down. I do have a job and I make 3200 a month but with other bills and expenses I could never pay these credit cards off one time Shot. I rather pay one loan amount then few credit cards and different high interest rates. if there's anybody out there that could help or know where I could go please let me know thanks.
Personal Finance Deals
Personal loan!
Added on : Thursday December 19th 2013 06:00:10 AM
g: 0 Posted By: sanaam
Views: 179 Replies: 8 Hello to all and happy holidays. I'm looking into a personal loan from a private lender or a bank but the problem is I have credit score of 530! the loan amount I'm looking for is $2500 for few credit cards that i have with really high interest rates, as much as I try to pay them it never goes down. I do have a job and I make 3200 a month but with other bills and expenses I could never pay these credit cards off one time Shot. I rather pay one loan amount then few credit cards and different high interest rates. if there's anybody out there that could help or know where I could go please let me know thanks.
Personal Finance Deals
Family Financial Management Strategies
Added on : Thursday December 19th 2013 12:00:06 AM
g: 0 Posted By: DrToxic
Views: 61 Replies: 3 Hello everyone! I've been a long-time reader of FWF, but never much got around to posting anything up, so I figured now was as good a time as any to start! I am recently married, (1 month!) and with my wife and I wanting to start a family in the (relatively) near future, I wanted to ask if anyone had any advice they could share about how to manage the everyday money as a couple and as a family. e.g.: If you're married, do you have one person who primarily does all of the finances? Is there any specific strategy that you try to follow to make sure money comes and goes the way it should? Or even, if you have children, how do you teach them about money and financial responsibility from a young age?

Right now, her and I use what I like to call the "Automate & Skim" method. We have several high-rewards CC's, which all expenses are charged to. (Citi Forward for entertainment, PenFed for Gas, and the Priceline Rewards Visa 2% for everyday - all of which I found on FWF!) All of our paychecks are direct deposited to our joint checking, and throughout the month, our card payments deduct automatically when they come due. (We always pay in full) At the end of the month, we decide how much we want to keep in the account for next month by looking at our expected CC bills, then 'skim' the rest off the top and split it up into personal accounts for each of us, or put it towards a goal or vacation. I really like this method, and it feels pretty easy to manage to me, but sometimes it leaves her feeling like all of our money just gets dumped into a 'big black hole' and we wait to see what comes out at the end of the month. Because of that, I wanted to ask you all what methods you use - anything is helpful, I'm just naturally curious!
New User Question Deals
g: 1 Posted By: MightySlacker
Views: 129 Replies: 5 I will try not to TLDR; this but also not skim over important details. I will already assume that YANML if you respond. I also am waiting to speak with him to get some clarification on some things. Ohio is state.

Original lease expired Sep '12, so we were month to month. Verbal notice provided Sep 13 that October 13 would be last month, and last months rent was pre-paid. Security deposit was $650.

House was in very good condition, though I did not get all the trash out before the 31st. Acknowledged that was going to be a ding in the deposit. Trash was on back porch and a bookcase with some misc in basement. Landlord sent text asking if all was trash so he could put it by road, said yes and apologized.

No contact from landlord in the 30 day required window. Waited a few extra days, then sent a letter of demand. Landlord called next day incredulous and shocked that I would not contact him before such a "threatening" letter, asked if was still possible to work it out. I said yes, you can send your list of damages and I will compare them with my pictures and receipts. Said he was sending out last week. Sent a text yesterday informing him nothing received, said he just mailed it out because he had to "talk to counsel" first". Got it today (no supporting documentation).

Front page of letter makes many references to lease, which expired in Sep 12. His claim is that in fact the repair bill is $1125.83, and that if I dont cease and desist he will countersue for $475.83. "indemnification Deposit Infractions" listed are 1) Residence not damaged beyond normal wear and tear 2) Management not in possession of final bills 3)Resident not signed move in/out forms (there was no move in form).

Obviously, there is no way in hell that if he really thought I owed him that, he was going to just let me slide and not say anything. Pretty much sure this is an attempt to mitigate his loss if we go to court because he knows I'd get double damages.

Misc info: Landlord lived right across the street, so was pretty nosy. No complaints of any kind while we were there except one time we had a BBQ and people parked on both sides of street. When talking with him last week, he let a lot of things slip, including admitting tampering with mail that didn't get forwarded properly. That has nothing to do with security deposit, and I'm trying hard to not make it personal even though he seems on purposely insulting my intelligence. Here are some of the deductions:

Pool closing services - $470.00 (2 x 235). Nothing in lease about pool maintenance, was verbal agreement). I am assuming that x2 means for this year and last. Last year, I had him help me and he said to give him $50 for chemicals, which on the next months rent check I added and made a notation on the bottom (says Nov Rent + Pool), so I'd have no idea why he'd try and charge me this much now without mentioning it before. This year, I drained the pool myself, disconnected everything and put in chemicals. The next day, when I arrived, people were closing the pool. Landlord said my chemicals didnt work (less than 24 hours after I put them in) and said the chemicals cost $32 that he used. Landlord gave no notification that he was coming to close the pool, or gave me any sort of deadline to have the pool closed.

Landscaping - $48 (8.00 x 6 hours). This was done mid-October, as he asked to do some of the stuff before I left so he could rent it out sooner and I agrees. Can he turn around and charge me for things done before I moved out? Isn't it unreasonable to assume that I wouldn't have done that?

There is $325.96 for living room carpet damage, $225.96 original cost and $100 replacement cost. Not sure what this means. There was no holes, burn marks, pet damage, stains, anything. There were a couple of runs on the basement stairs carpet when moving furniture.

$50 for swimming pool carpet damage?, was cheap indoor/outdoor carpet. Did not take a picture of this. There was no major damage or tears, 2 years and 2 months of weather did a toll though. There is a clause in the old lease that says $50 for carpet cleaning, can this be extrapolated to outside pool carpet?

There is also $320 for kitchen repainting because of a giant bubble in the paint behind our stove. Our stove was brand spanking new. It was Glidden latex paint. Landlord extrapolates since that we did concessions we use stove more than normal. My counter is that we didnt prep that much concession food at home, and that we had that job on weekends and both had 40 hour a week jobs we used the oven less than most normal people because we were never there. Sherwin Williams guy said the bubble was caused by the painting not being prepped right (wasnt dry) and the heat caused the water to evaporate. Said normal paint will chip, not blister, and that if you could peel the paint like a sunburn, it's not primed right.

Another $100 for repair materials.

So, the questions I am wondering.

1) Since the lease is expired, are we still bound by all the terms, or does a standard become "normal wear and tear"? I got an answer that mentioned a holdover clause, but the one in our old lease just says I have to deliver the residence in good order and repair. The lease mentioned no holes in the wall, and we had a minor amount of pictures hung that would be considered normal (less than 5 in living room). Not sure if the lease language still applies.

2) Can things that were done by landlord before we moved out still be held against our security deposit? Agreement was only made that he could do those things, not that we were hiring him to do them for us?

3) Even if his lease "Infractions" still apply to me, is that an excuse to not abide by the 30 day limit for withholding a deposit?

Any other insight would be appreciated.

Dave
Discussion Deals
Out-of-Network Providers at In-Network Hospitals
Added on : Tuesday December 17th 2013 02:00:34 AM
g: 1 Posted By: badsister
Views: 327 Replies: 2 As many of the plans on Obamacare are in-network only (NY = ALL plans), you might find these articles worth a read.

Out of Network, Not by Choice, and Facing Huge Health Bills www.nytimes.com/2013/10/19/your-money/out-of-network-not-by-choice-and-facing-huge-health-bills.html
Avoiding Surprise Bills With Homework and Negotiation www.nytimes.com/2010/04/30/health/01patient.html?_r=0
I Stayed in My Network.Why Did I Get a Bill? www.fairhealthconsumer.org/reimbursementseries/whybill.aspx
General Economics Deals
Avoiding Out-of-Network Providers at In-Network Hospitals
Added on : Monday December 16th 2013 08:00:07 PM
g: 0 Posted By: badsister
Views: 47 Replies: 0 As all of the plans on Obamacare are in-network only, you might find these articles worth a read.

Out of Network, Not by Choice, and Facing Huge Health Bills www.nytimes.com/2013/10/19/your-money/out-of-network-not-by-choice-and-facing-huge-health-bills.html
Avoiding Surprise Bills With Homework and Negotiation www.nytimes.com/2010/04/30/health/01patient.html?_r=0
I Stayed in My Network.Why Did I Get a Bill? www.fairhealthconsumer.org/reimbursementseries/whybill.aspx
General Economics Deals
Diminished Auto Claim
Added on : Thursday December 12th 2013 02:00:07 PM
g: 0 Posted By: wannabuyhome
Views: 152 Replies: 1 So I have been in an auto accident. just bought a jeep for 21k 2 weeks ago. Now I have repair bills for 5500 that are going through the process of getting paid. I am waiting on the police report, but it is pretty cut and dry the others persons fault. I have found a site such ashttp://www.collisionclaims.com/. Can I file that claim after they decide to repair my car or should it have to be done at the same time? I am in Indiana.
Question Deals
Income tax question, specifically 1099 income & reimbursed expenses....
Added on : Thursday December 12th 2013 09:00:16 AM
g: 0 Posted By: jonesjeremya
Views: 17 Replies: 0 I know, I know...this is FatWallet and not a CPA serivce. But since I don't have a CPA lined up quite yet, I have a quick question I hope one of you fine folks in the know can answer.

This is the first year (2013) I have done contractual work for my former full-time employer. They couldn't afford to keep me on as a salaried employee any longer (cash strapped/high debt) so we decided that I would work contractually for this year. It's actually worked out well for both of us so far.

I perform a service (on-site consult/repair of commercial equipment) to their industrial customer base, as I always had. The customer just assumes I am still an "employee" of Company X. Anyways, once I've completed a "job"I bill my former employer for my labor time (our lower negotiated hourly rate) and for my direct travel expenses (airfare, rental car, hotel, meal Per Diem, etc.) My former employer then bills their customer for all of the time (their higher hourly rate) and the associated exact cost expenses of the "job".

So, my question is this: Will my former employer only list out all monies they paid me as income on my 1099? Or will it be up to me to itemize/differentiate what was income and what was a direct expense? The have clear invoices from me and record of what was billable time (my income) and what was travel expenses as they bill their customer for the exact cost of the travel expenses. The main reason I ask is that this is the first time they have had a contract worker like this, and I'm not certain they know what exactly to do. This is also a first for me too, and I don't fully know either - in this circumstance.

I am operating as a sole proprietor, under my personal name for this year. Next year, if we decide to continue this arrangement, I will operate as an LLC C-Corp for the tax advantages. My "income" is expected to be around $70k, and the expected expense reimbursement is expected to be about $30k. Will the 1099 have a box with $100k only?

Thanks in advance for your knowledgeable advise!


Tax Deals
45k i can't do anything with
Added on : Thursday December 12th 2013 05:00:13 AM
g: 0 Posted By: mmdino
Views: 30 Replies: 0 This is kinda long for a question, but I want to get the background down. Found the finance forum on google so I thought this would be a good place to ask because I can't ask local people or anything. Me and a friend were doing demo on a abandoned house about 10 years ago for close to minimum wage pay plus a written contract saying we could keep whatever we found like copper pipes that were still there, appliances, any furniture, etc. We demoed a wall and found plastic wrapped money. A contractor there that day said it was in our best interest to tun it into the police because it was probably drug money or from a robbery and if we tried to spend it we would be in a world of trouble. This made sense so we ended up bringing in the haul, didn't even open the plastic--- at this point we didn't even know how much it was. I guessed 10k at most. So we filled out a few forms and gave a statement, get a case num. Cop says we aren't getting the money back because it was clearly crime related.

So a few months goes by and my friend calls the police a few times but they basically say nothing has happened with the case. After a while he stops calling and about a year later he moves out of state for some job. We weren't super good friends, we basically met before the demo work and he asked if I wanted in on the job after he got hired so I lost touch and to be honest forgot about the money except when I saw movies and tv shows that had briefcases of the stuff.

Six years later Ron calls my mom and tells them to tell me to call him back as soon as possible. I was living with my mom when were demoing, now I'm in a different city and I had changed cell numbers a few times, I'm surprised he even had my mom's number but I call him back and he tells me the police are releasing the money back to us. I thought he was screwing around but he insisted they did. H wants to met up at the police station to pick it up because we both have to be there. I was positive it was some kinda prank, but he planned to drive back to the state that weekend and meet up at my place.

He shows up like he said and tells me there were no significant trace of drugs on the money and even though a bunch of it was sequential they couldn't trace any of serial numbers on the money to a crime. So then he tells me its a little over 90k in cash. I couldn't believe it, and honestly wasn't going to believe it until I saw it. He says they tried to contact previous owners but there were condos on the property now and the bank had taken possession then sold to contractors and never could get in contact with whoever had th house. Next day we drive to the police station and after a long wait they bring out a cardboard box from evidence with all the money stacked up and in zip bags with amounts written on them. So we sign off on the stuff then the police are like you can't take our box, so they give us some trash bags to separate it out which I thought was ridiculous and felt weird and stupid to be carrying trash bag of money but luckily we separated it out in the back so people didn't see us.

So my friend leaves to drive back home, we didn't even want to stop for a drink anywhere we just wanted to get the money elsewhere safe. My bank is closed so I take it home and stuff it in a box in my closet and then pretty much can't sleep. I call in sick on sun and go to the bank right at 8 mon complete with my trashbac of money. I tel the teller what i have and she has like this freaked out look and says she has to get the supervisor. He has me come in to a office and asks me where I go the money and I tell him the above and he really doesn't buy it, I can tell. So we all take a look at the money, which is still in police plastic bags and he figures out most of it is sequential numbers, and none of have security strips because they are before whenever they added those and tells me he won't accept it. I'm like what do I do with it, and he just shrugs at me like it is no big deal. wtf. So I take this stuff home and sort through it and like a it is split into three groups of serials on 100s and then maybe 1k of random numbers. There is over five hundred in smaller bills which I take out.

I end up taking it to another rbranh and it turns out the other bank flagged my account and warned them not to take any large sums of cash from me. I ended up arguing with the bank manager at the second place and he tells me if the police will vouch for the money they will deposit. I call the police and not only will they not vouch for it, but they don't even want to talk to me about it. Open a new account somewhere else right. No one will take it. Sequential bills, no security strips. I even mixed up the 100s and after it took them forever to count it all they come back and tell me it is sequential. In fact one bank tells me there only has to be 5% sequential for that sum and they won't be able to take it. This is nuts right. So I go to my original bank and get a safety deposit box and dump most of it in there. Meahnwhile I think I can just spend it as needed but places won't even take them, no security strip they don't even care if it is legal, two places call the cops on me and I have to sit around while they look up the case number and everything. I manage to break one of the 100 at a fancy restaurant and that is it.

Finally I call Ron up a few weeks later and he says he is having the same problem and even tried to cash in at the casino but they wouldn't. He said he has put one or two in an ATM deposit but he didn't think he could keep doing that and doesn't know how long it would take for them to reject them through that system so he was waiting to do more. He has been able to deposit one or two in a new account each week and now one has said anything but he thinks is only a matter of time. A month later I can't even get ahold of him and he won't return my calls, and I'm wondering if he got arrested or his state was better able to trace the money to something or what. So now I'm afraid if I take it out of state or even out of the general area i'm could be a world of trouble. I was thinking I could buy a car from a private seller and then sell it but that would just get the buyer in the same place I am or worse. One drunk night I actually burned one of the hundreds just because. It was funny at the time but the next day I felt awful. I don't even know how much exactly I have because I haven't had the nerve to go to the bank and just sit there and count it all.

So what do I do with this money? I don't want to ask friends because I just think someone is going to rob me or something because who knows who they tell. My mom doesn't even know the whole story because I think she's gonna tell people too so all she knows is I got some cash from the police after a demo job. I have gotten rid of all the smaller bills and some of the 100 that were new enough to have strips in them but thats not even close to the total amount. Please help and sorry for the length.
35 and financially on the right track, but want to stay there.....
Added on : Thursday December 12th 2013 03:00:05 AM
g: 0 Posted By: dan812
Views: 171 Replies: 3 I know many people post about finances and thankfully I have been following the advice given for the past 10 years. I want to see where I can do a little better for down the road and that is why I am posting;
Married with a 2 year old and one on the way. We have 2 cars both paid for, we own a house which we owe $250k on (15 year mortgage at 2.5% which I am paying $5k month so it will be paid off in 7 years)
Combined Income is $140k/year, Savings is $165k, retirement and stocks $100k, no credit card debt or other debt.
Monthly bills are; electric, water, heat, cell phones, groceries = $650/month
When the second child is due we will have to have someone watch the baby and then will also be paying for school for the other one since my wife and I both work.
She has a 401k at her job, not offered at my job; My healthcare is through her work;
Currently I am on the right track and want to stay there !!

General Economics Deals
40 and almost broke - need advice
Added on : Wednesday December 11th 2013 06:00:10 AM
g: 0 Posted By: Eagle357
Views: 370 Replies: 11 hello everyone, new guy here looking for some financial advice. this site was the first result from a google search for 'finance forum'.

anyway, story is that i am 40 yrs old with 3 kids. i seem to live paycheck by paycheck, and barely have anything left to save at the end of the month. i have been at my job for 10 yrs, but am thinking about quitting to pull out my retirement and start all over.

right now i have the following:
-$7500 in savings
-$130,000 in retirement
-$100,000 life insurance policy at current job

my debt:
-$10,000 credit card
-$4200 car1 ($270/mo. @ 6.8%)
-$12000 car2 ($330/mo. @ 4.5%)
-$15000 home equity loan ($220/mo.@ 8.8%)
-$123,000 mortgage ($1500/mo. inc. tax/ins. @ 3.8%, 10 yrs left, est. appraisal $160k)

i make enough to live decent, but i am not saving anything towards college education, emergencies, or anything. i have the option of staying at current job and paying down house and bills. or i can sell house and take out retirement. the 2nd option will allow me to pay off all bills, car notes, and be debt free completely and have about $105,000 left. i would have to reolcate and find another job though.

what would you do? i should say that i'm pretty thankful for what i have, but i feel i wasted 15+ years squandering money, a lot of which i had no control over and due to unexpected circumstances. thanks for listening.
Personal Finance Deals
Need help in sorting out the direct deposit mess!
Added on : Monday December 09th 2013 04:00:09 AM
g: 0 Posted By: JuNooNi
Views: 15 Replies: 0 I need some help/directions on how to resolve this issue with my SIL. This has been going on for almost 9 months and there is no end in sight. Here is the story in her words:

Long story:

It's all started back in March, 2013, when I provided my bank account number to my boss to have my checks direct deposited into my bank account. I only gave him the account number (XXXXXXXX) and he completed the form. I waited and waited for my checks to arrive, but found out after two month that my checks never made it to my account. There were about 8 checks. After calling my employer's payroll department and visiting my local bank branch back and forth, I was told that my account number was not written correctly on my direct deposit form therefore my bank has to send those checks back to my employer in order for my employer to reissue them to me. After waiting at last 2 more months, I was able to get four of my checks back in July/August or so. For the other four checks, I'm still in the process of calling and visiting continuously to my employer and to the bank, but seems like no one really care anymore. In September, Bank told me to ask my employer to request the reversal of those checks, and the employer says they cannot do reversal now as so many months have past. I was again in contact with the bank manager (who was quite helpful) and according to him, my checks were deposited into a wrong bank account number that my employer provided, but only ACH department (i.e direct depositing department of the bank) can fix it. When I called ACH, they said they don't see any credit to my account or to the wrong account number, therefore they are unable to do anything further about it.

I kept calling my employer and they gave me the same answer over and over again. However in October, my employer asked me to get a letter from bank and send it to my employer's field office. Bank manager gave me a letter (explaining the matter) and I sent the letter to the address provided by my employer in a hope that they might take the matter further. In November, I called the field office asking if they have received the letter I sent, they told me they did not. Finally I had to go to the field office myself to hand deliver the letter. I have been calling them ever since asking about the status of my request, but seems like they are not working hard enough to resolve this matter and as a matter of fact, during my last call that I made to them last week, the lady told me it has been too long therefore they are unable to take any action about it. I told her that I have been calling since day one and how come no one took action earlier. The dates of my checks that are missing are as follows: 3/5, 3/12, 3/20, and 4/17.

As of December, 2013, it has been nine months and yet no one seems to care about or do any kind of investigation/ search about my earnings of full month of hard work including overtime, which is a lot considering I'm a single mother of two and not to mention, nine months of calling my employer (where wait time for answering calls is 30 minutes or more) and visiting local branch of my bank etc, all adding up to countless hours of wasting my precious time and energy and my overall well being. I am still short to pay my bills and rent every month because of this income gap. I simply ask someone to resolve this matter or provide a solution, as I'm so much exhausted now. Someone, either bank or my employer has my money and I demand them to take care of their businesses properly so people like me with honest earnings won't get hurt because of the mistakes others make.

Shorter version:

1- SIL gave her bank account # to her Manager for enrolling in direct deposit.
2- Waited couple of months but the checks (8 of them) never made it to the bank.
3- Finally found out that the her supervisor made a mistake in entering the bank account # on her direct deposit enrollment form.
4- Was told that her bank needs to send the checks back to her company which then can be reissued to my SIL.
5-Got her 4 (out of total 8) checks after going back and forth between bank and payroll.
6-As for the remaining 4 checks, still no resolution in sight after going back and forth between bank and payroll dept and wasting several hours over the phone and in person.

I am advising her to file a complaint to CFPB. Any other ideas?
$5 Starbucks gift card for AT&T and Verizon Customers (ting.com)
Added on : Thursday December 05th 2013 05:00:08 AM
g: 2 Posted By: MelissaAnne
Views: 300 Replies: 2 Calling all AT&T & Verizon customers! Through December 11th (or while supplies last), hurry on over to theTing Mobile Websitewhere they are currently offering up a completelyFREE $5 Starbucks eGift Cardwhenever you calculate your potential savings with Ting (versus AT&T or Verizon). You will need to log in with your AT&T or Verizon account information in order to receive the gift card.click hereTo get started, justclick hereand select your current provider AT&T or Verizon and then log into your account using your current AT&T or Verizon credentials. Shortly after logging in, you should receive an email titled Thanks for running the numbers! that contains a link to claim your FREE $5 Starbucks eGift card!

If you're worried about it, simply change your password after you receive your $5 Starbucks gift card. The company said they simply grab your info for your last three bills to show you how much you can save.
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g: 0 Posted By: altseeker
Views: 54 Replies: 0 Hello FWF community,

I'm hoping you can offer some sound advice for my particular situation, as you've helped many others in the past. Apologies for the abundance of text to follow, but I'll try to be as concise and clear.

Situation:
I inherited my grandfather's dwelling (studio apartment) in Moscow, Russia, after his passing last year. The property has been in my name since last October (I believe). My grandmother and my cousin have power of attorney to conduct various business related to the property (leasing, collecting rent, paying bills, etc.). They do not, however, have power of attorney to sell the property.

My grandmother has been renting out the place for the last year and collecting rent on it (it's been supplementing her monthly pension). She has also been the one paying the various bills, taxes, etc. I've been very hands-off on the whole process. Speaking with grandma the last few weeks, she's asking me to just sell the place, as it's getting difficult for her to manage all the activities on her own (I'm actually surprised she hasn't asked sooner, as she's in her 80s). While my cousin does have power of attorney, I would not count on her to get much done. The only reason she was really given power of attorney is in case something happened to grandma and I required her urgent help with the apartment.

Ideally, I would like to hold on to the property and have a property management company take care of all the necessary work associated with renting, paying bills, etc. However, I'm weary of dealing with a company located in Russia, and would much rather work with someone in the U.S. that can take care of things over there (my English is far better than Russian and I feel that if things were to go south, it's far easier to deal with an entity on U.S. soil, especially if legal action needs to be taken). So far, I've not been able to locate a company that provides this service within the U.S.

If selling the place, I would also much rather go through a company located in the U.S. that can take care of all related activities. Through my searching, I've only found Sotheby's as a possible option here. But looking through their site, it appears they only specialize in high-end real-estate abroad. I doubt they would want to touch a studio apartment in Moscow (it's not located in a high cost of living part of Moscow, and from what I've been told is worth around $130k).

If the two options above aren't realistic, I need to rely on my grandmother and cousin to take care of the sale. This means I would need to give them power of attorney to conduct the sale. From past experience, this was a big pain. In a perfect world, this is supposed to be a fairly easy thing to do via the Russian consulate. In the real world, this was a waste of time due to the consulate's general incompetence and lack of giving a sh*t (I was working with the Russian consulate in San Francisco). After spending weeks trying to get this done remotely, I finally ended up booking a flight to Moscow and spending a week there going through the process of granting grandma/cousin power of attorney. I would like to avoid travelling to Russia if at all possible.

My questions are:
*Are there any property management companies based in the US that help with properties in Moscow, Russia? If not, are there any third parties based in the US that would act as a liaison between myself and a property management company in Russia?
*If I were to sell the apartment, are there any US based companies that can facilitate the entire transaction? As above, if no US company can do this, are there any that can act as a liaison?
*If the above two aren't an option, are there at least any resources that can help with granting the needed power of attorney to my grandmother/cousin without me having to deal with the Russian consulate in the US or having to travel to Russia?

Thanks in advance.
Real Estate Deals
Vibrant Pets 50% off all products. Cyber Monday sale
Added on : Monday December 02nd 2013 08:00:05 AM
g: 0 Posted By: titodj
Views: 84 Replies: 0 50% Off in all their products, use code "cybermonday"
www.vibrantpets.com



From their website: said:
Natural healing results you can see, and your pet will feel...
Is your pets diet more like fast food than gold standard? Are you tired of paying expensive vet bills for temporary solutions to chronic nutrition-based problems? Is your pets coat thick, shiny and lustrous or is it dull, thin, dry and brittle? What about his or her energy level? Could it be better, regardless of age?

At Vibrant Pets, we nurture your pets health, appearance and energy-level from the inside out because we believe that good nutrition is the foundation of vibrant health.

Our nutritional products are high quality and concentrated one scoop a day keeps the vet away.

With daily use, youll see noticeable results in your pets quality of life in two short weeks. Guaranteed!
The coat doesnt lie and neither do those bright and shining eyes!

For far less than 50 cents a day, treat your pet to the best health insurance nature can provide excellent high quality nutritional support from Vibrant Pets.
What Vibrant Pets will do for your pet!
Developed with small animal and equine Veterinarians, Animal and Human Nutritionists and Animal Feed Experts, Vibrant Pets has over 8 years of research and development along with 6 years in production. The results are in and reflected in the testimonials in this website, Vibrant Pets is proven to be:

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The World Most Cost Effective Pet Supplement For the average 70lb dog the cost is 58 per day or less than cup of a small McDonalds coffee. As the Testimonials on this Website clearly show, using Vibrant Pets will reduce your Vet bills.
The Worlds Best Guarantee See positive health results in 2 weeks or receive an immediate refund - no questions asked! Would your Vet return the money you paid if his treatment did not work in 2 weeks?
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If you still have questions, please visit our FAQ page, read some of our client testimonials or simply navigate around our website and discover for yourself why vibrant pets will change your pet's life forever !


Pets Deals
Who Reports to CRAs, and When?
Added on : Tuesday November 26th 2013 03:00:08 PM
g: 0 Posted By: NeoMayhem
Views: 68 Replies: 0 I have seen a lot of posts on FWF about when delinquent accounts can be reported, and if a SSN is needed or not. It seems there are three types of accounts when it comes to negative credit reporting:

1. Shows up on CR immediately after 30 days late.
-Credit Cards, Car Loans, Student Loans, Mortgages, others that report monthly
2. May show up on CR after 30-90 days late depending on company. They usually try to get payment first.
-Utilities, Cable, Cell Phones, Internet, others who ask for SSN at sign up, but do not report regularly.
3. Must go to collections before it hits report. These companies do not generally report to CRAs directly.
-Medical Bills, Home/Car Maintenance, Landlords, PayPal, others who do not normally view/report to CRAs.

Does this seem accurate. Anything I am missing?
Discussion Deals
g: 0 Posted By: kotakramesh
Views: 177 Replies: 0 http://www.staples.com/HP-Pavilion-15-e065nr-156-Laptop/product_319008

apply coupon code: 64888
final price: $249+ tax

Product Info
Reviews
Supplies & Accessories


Product Details
Specifications

PRODUCT DETAILSProven to get it done. In a big way.Introducing the HP Pavilion 15 Notebook. Athoroughly tested, totally reliable PC thats perfect for everyday computing. Pay online bills with ease on thenumeric keyboard. View photos in stunning detail on 15.6-inch diagonal HD display. Connect all the devices you need with a full array of ports. The HP Pavilion 15. Confidence comes standard.

AMD Quad-Core A4-5000 Accelerated Processor
4GB DDR3 SDRAM
500GB 5400RPM hard drive with HP ProtectSmart Hard Drive Protection
15.6" diagonal HD BrightView LED-backlit display(1366 x 768)
SuperMulti DVD burner
802.11b/g/n WLAN
Full-size keyboard with numeric keypad
Front facing HP TrueVision HD Webcam with integrated digital microphone
DTS Sound+
6-cell 47WHr 2.2 Ah lithium-ion battery:Up to 4 hours and 45 minutes of battery life.
Dimensions: 1.26 in (H) x 15.0 in (W) x 9.70 in (D) (5.14 lbs.)
Windows 8
1 Year warranty

SPECIFICATIONS
Laptop Screen Size (Inches) 15.6 Laptop Display Type diagonal HD BrightView LED-backlit display Laptop Memory RAM (GB) 4 Laptop Memory Type DDR3 Laptop Hard Drive Capacity (GB) 500 Laptop Hard Drive Capacity Details_db2_3511 500GB Laptop Hard Drive Type 500RPM Laptop Processor Type_db2_13376 AMD A4 Laptop Processor Type Details AMD Quad-Core A4-5000 Accelerated Processor Laptop Optical Drive SuperMulti DVD burner Laptop Network Card 802.11b/g/n WLAN Bluetooth Compatibility Yes Laptop Operating System Windows 8 Laptop Extra Features Full-size keyboard with numeric keypad,Touchpad supporting multi-touch gestures without on/off button Laptop Other ports 1 x HDMI, 1 x VGA, 1 x RJ-45 (LAN), 1 Headphone-out/microphone-in combo jack Laptop USB Slots 2 x USB 3.0, 1 x USB 2.0 Laptop Video Graphics AMD Radeon HD 8330 graphics with up to 2030MB total graphics memory Media Card Reader Multi-format digital media card reader for Secure Digital cards Laptop Audio DTS Sound+ Laptop Color Red Laptop Webcam Front facing HP TrueVision HD Webcam with integrated digital microphone Laptop Battery Life 6-cell 47WHr 2.2 Ah lithium-ion battery Laptop Battery Type 4 hours and 45 minutes Laptop Dimensions (L x W x H) 1.26 in (H) x 15.0 in (W) x 9.70 in (D) Laptop Weight 5.14 lbs. Laptop Warranty 1 Year Laptop Use Details Everyday Laptop Refurbished Details No Windows Select PC Details No Laptop Style Laptop/Notebook Laptop Style Details Laptop/Notebook Touch Screen Enabled Details Yes

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Staples Coupons
g: -1 Posted By: elptrainerny
Views: 222 Replies: 2 -Wonder how much money he will make after the law suits.."A man trying to pay a fee using $2 bills was arrested, handcuffed and taken to jail after clerks at a Best Buy store questioned the currencys legitimacy and called police.According to an account in the Baltimore Sun, 57-year-old Mike Bolesta was shocked to find himself taken to the Baltimore County lockup in Cockeysville, Md., where he was handcuffed to a pole for three hours while the U.S. Secret Service was called to weigh in on the case.Bolesta told the Sun: I am 6 feet 5 inches tall, and I felt like 8 inches high. To be handcuffed, to have all those people looking on, to be cuffed to a pole and to know you havent done anything wrong. And me, with a brother, Joe, who spent 33 years on the city police force. It was humiliating.After Best Buy personnel reportedly told Bolesta he would not be charged for the installation of a stereo in his sons car, he received a call from the store saying it was in fact charging him the fee. As a means of protest, Bolesta decided to pay the $114 bill using 57 crisp, new $2 bills.As the owner of Capital City Student Tours, the Baltimore resident has a hearty supply of the uncommon currency. He often gives the bills to students who take his tours for meal money.The kids dont see that many $2 bills, so they think this is the greatest thing in the world, Bolesta says. They dont want to spend em. They want to save em. Ive been doing this since I started the company. So Im thinking, Ill stage my little comic protest. Ill pay the $114 with $2 bills.Bolesta explained what happened when he presented the bills to the cashier at Best Buy Feb. 20.She looked at the $2 bills and told me, I dont have to take these if I dont want to. I said, If you dont, Im leaving. Ive tried to pay my bill twice. You dont want these bills, you can sue me. So she took the money like shes doing me a favor.Bolesta says the cashier marked each bill with a pen. Other store employees began to gather, a few of them asking, Are these real?Of course they are, Bolesta said. Theyre legal tender.According to the Sun report, the police arrest report noted one employee noticed some smearing of ink on the bills. Thats when the cops were called. One officer reportedly noticed the bills ran in sequential order.Said Bolesta: I told them, Im a tour operator. Ive got thousands of these bills. I get them from my bank. You got a problem, call the bank. Im sitting there in a chair. The stores full of people watching this. All of a sudden, hes standing me up and handcuffing me behind my back, telling me, We have to do this until we get it straightened out.Meanwhile, everybodys looking at me. Ive lived here 18 years. Im hoping my kids dont walk in and see this. And Im saying, I cant believe youre doing this. Im paying with legal American money.Bolesta was taken to the lockup, where he sat handcuffed to a pole and in leg irons while the Secret Service was called.At this point, he says, Im a mass murderer.Secret Service agent Leigh Turner eventually arrived and declared the bills legitimate, adding, according to the police report, Sometimes ink on money can smear.Commenting on the incident, Baltimore County police spokesman Bill Toohey told the Sun: Its a sign that were all a little nervous in the post-9/11 world."
Discussion Deals
g: 0 Posted By: AnAceBuyer
Views: 122 Replies: 0 Model:GI6SARXXF listed elsewhere asGI6SARXXY. linkyHere

Lowes has this on sale after you add to shopping cart. GREAT fridge; just bought my second one this week (we moved to a new home). Check the height constraints over your current fridge. At 70", we had to modify the cabinet about for this to fit. Worth it, though!

Neutralize most sales tax with the ebates.com Cash Back program, too.

Used a 10% post office moving discount (register you move online for $1; the Lowes discount card is mailed from USPS to your new home address), or you can use a 5% Lowes card discount.

Or, use the 10% AmEx card and then use AmEx Gold or other card to get 2nd year free warranty extension, OR choose Lowes $119 5-year service contract, which is what we did. Maybe your Discover card will net you a 5% Cash Back, too?Specs: WhirlpoolGold 25.6-cu ft 3 French Door Refrigerator with Single Ice Maker (Satina Steel) ENERGY STAR

Get the look of stainless without the fingerprints
ENERGY STAR qualified, this refrigerator meets government standards to help conserve natural resources and save money on utility bills
Accu-Chill temperature management system enabled by 6th Sense technology returns food to the desired temperature quickly
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PuR water filtration reduces unwanted impurities from household water, giving you filtered ice and water direct from your refrigerator
SpillGuard glass shelves contains spills and simplify cleanup, preventing liquids from leaking onto shelves below
Full-width pantry drawer easily accommodates wide items like party platters and sheet cakes

Appliance Color/Finish Stainless look Overall Capacity (Cu. Feet) 25.6 Refrigerator Capacity (Cu. Feet) 18.9 Freezer Capacity (Cu. Feet) 6.7 Door Texture Smooth Door Style Contoured Hidden Hinge Yes Handle Type Standard Water Filtration Yes Dispenser Options Filtered water and cubed/crushed ice Child Safety Locks Yes Water Filter Indicator Yes Door Alarm Yes Dispenser Light Yes Ice Maker Single Space-Saving In-Door Ice No Air Filtration No Dual Evaporator Cooling System No Refrigerator Interior Lighting Incandescent Electronic Temperature Control Yes Shelf Options Adjustable spillproof sliding glass shelves Temperature Controlled Drawer Yes Snack/Deli Drawer Yes Pantry Drawer Temperature-controlled Door Shelves 6.0 Gallon Door Storage Yes Humidity-Controlled Crispers 2 Freezer Door Bins 1
Freezer Baskets 1 Freezer Door Style Pull-out drawer Frost-Free Yes ENERGY STAR Qualified Yes CEE Tier Qualified CEE Tier II Height to Top of Case (Inches) 68.625 Height to Top of Door Hinge (Inches) 70.125 Width (Inches) 35.625 Depth (Including Handles) (Inches) 35.25 Depth (Excluding Handles) (Inches) 32.875 Depth (Less Door) (Inches) 29.0 Depth with Door Open (Inches) 48.0 Manufacturer Color/Finish Satina Steel Cabinet Color Gray Door Handle(s) Color Stainless steel Toe Grille Color Gray Custom Door Kit Compatible No Manufacturer's Warranty (Labor) 1-year limited Manufacturer's Warranty (Parts) 1-year limited Lowe's Exclusive Yes Color/Finish Family Steel-Painted CSA Safety Listing No ETL Safety Listing No UL Safety Listing No ADA Compliant No Sub-Brand Gold Series N/A Number of Doors 3.0

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How to effectively negotiate with credit card companies?
Added on : Saturday November 16th 2013 03:00:05 AM
g: 0 Posted By: ecohezzy
Views: 102 Replies: 1 I'm in debt with credit card companies. The why of how that happened is something I've reviewed extensively within myself through much soul searching, daily spending monitoring, counseling, reading advice on all kinds of forums, workbooks and books from the library.
What I need advice on, and hoping someone here can help me out with...is how to negotiate effectively with the credit card companies.
As of this date, I've not been late on a payment for any kind of bill in...gosh, I don't know...30 yrs?
But, things are what they are, and the end of this month will be the first time I'm going to have choose which bills do not get paid, I truly do not have enough money to pay all my bills.
The ideal strategy for me at this point, is to talk to 3 of my credit card agencies and ask them to accept a lower than minimum payment for the next 6 months.
I've run the numbers dozens of times, and it truly could work. Not saying that in 6 months everything will be fine, but that six months will allow me, if saving me 300 per month, the chance to get back on track (with working every bit of OT I can get).
A bonus would be if they didn't make a negative report, but at this point, I really can't get too concerned about my credit score.
What I don't want to pay late: Mortgage, Insurance, Auto Payment (unfortunately,, my car recently bit the dust, so I had to go buy a used one, no cash so had to finance).
I've read numerous articles and I think this is what I should do,, but if you have any other constructive advice, please let me know.
So, I figure I call them up, politely ask if the customer service rep I'm speaking to has the ability to lower payments or interest rates, if they don't, ask to speak to someone who does.
When and if I get switched to that person, I will ask to make sure they have proper contact information for me including email and phone, and I will ask how I can contact them in the future, getting their name and ID if possible.
Then I should be completely honest and explain that I've been their customer for X number of years, never late on payment, and without tears or excuses just explain that I'm facing the inability to pay all my bills.
Ask to have interest rate reduced, possible plan to pay them x number of dollars for 6 months, then back to normal.
I don't know if anyone has ever had any success with this course of action, if you have, I'd love to hear about it. If you haven't, I'd love to hear that also, thanks in advance.

Credit Deals
g: 0 Posted By: dontforgetzion
Views: 9 Replies: 0 For a variety of reasons I want to save money.
For one, I own a 4-plex whose water bill I am responsible for. I could charge my tenants but I choose not to at this point.
So, I'm planning on installing a dual-flush system in everyone's toilet. I have heard that it might not work well on older toilets, but it costs only $30 or so, and can save at least $30 a year, so I'll be giving that a try. Less water for 1, more for 2.
I spend a lot of time in Israel, where every house has a solar hot water heater, in combo with an electric water heater on demand, energy costs are close to nothing during the hot summer. I don't know what the ROI would be for that in the states, but it might be worth it.

Do you guys have specific tips, products, services, that can reduce consumption, bills, etc, without damaging quality of life?
Rent Eviction - Advise for Utilities
Added on : Tuesday November 12th 2013 05:00:10 AM
g: 0 Posted By: greatfundeals
Views: 107 Replies: 0 I am a new landlord. I have rented my house in FL after due diligence w.r.t. to rent to income ratio, etc. Lease required thatrenter will transfer all the utilities in their name. Renter requested some time to transfer electric into her name. She paid her electric through me for next few months, her electric bills were very high $500+. I have requested her on e-mail to transfer electric into her name, she came with excuses all the time.

Fast forward.... , renter lost her job and has not paid rent and utilities for 2 months.

I want to start eviction proceedings, eviction will take 30+ days. My question to the community : Can I give her a written notice to transfer utilities in her name ?and proceed with disconnection. This will help me cut losses to the tune of $500 at least, depending upon eviction proceedings.


Real Estate Deals
fab: $15 Frog Bank (by Miya) (F/S)
Added on : Friday November 08th 2013 05:00:03 PM
g: 0 Posted By: VivYip
Views: 74 Replies: 0 credit bradsdeals

fab has this item for $15 with free shipping

Frog Bank
Large slot in back of head for coins and bills. Plastic stopper on bottom.
Care
Wipe clean.
Brand
Decole
Material
Ceramic
Color
Green
Measurements
L 3 W 3 H 4
It has a large coin slot in the back and a plastic stopper at the bottom for coin removal.

Hope this might help someone. Thank you for reading
Toys & Hobby Deals
*** DEAD *** FREE Kindle Book - Take Back Your Money was $9.99
Added on : Wednesday November 06th 2013 05:00:18 AM
g: 10 Posted By: archena
Views: 1364 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Take Back Your Money: A Survival Guide For The Next Recession, The One After That, and The One After That [Kindle Edition] was $9.99

John E. Girouard (Author)

http://www.amazon.com/dp/B00FW89LRS

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Accounting > Taxes > Personal Taxes

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
Totally Free Deals
Bank of America ATM gives out free money
Added on : Tuesday November 05th 2013 05:00:08 PM
g: 0 Posted By: gd78
Views: 223 Replies: 0 ​http://abclocal.go.com/ktrk/story?section=news/national_world&id=9313902

BOA ATM in Fresno, CA, was accidentally loaded with $50 bills instead of $20's.
BOA says it will track down everyone who used the ATM to get its money back.

Even with surveillance video, how would they prove what denomination bills each customer got?
Maybe they'll just try to have everyone arrested, like they did the guy who wrote anti-BOA messages in chalk.

If a customer complained that they got too little money, BOA would probably tell them to get lost.
Discussion Deals
charges haven't shown up on credit card statement
Added on : Tuesday November 05th 2013 07:00:17 AM
g: 0 Posted By: Vincent
Views: 197 Replies: 4 I charged two utility bills at the end of August and one online purchase at the end of September to one of my credit cards. Neither of these charges have shown up on my statement, although the merchants all show the charges as paid. Furthermore, several other charges I made to the card have appeared. Can anyone shed some light on why the charges haven't shown up?
Personal Finance Deals
FREE Kindle Book - Take Back Your Money was $9.99
Added on : Tuesday November 05th 2013 07:00:14 AM
g: 0 Posted By: archena
Views: 58 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Take Back Your Money: A Survival Guide For The Next Recession, The One After That, and The One After That [Kindle Edition] was $9.99

John E. Girouard (Author)

http://www.amazon.com/dp/B00FW89LRS

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Accounting > Taxes > Personal Taxes

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
Hilton to Discontinue Fixed Mile Double Dip
Added on : Monday November 04th 2013 09:00:09 AM
g: 0 Posted By: WideOpenSpaces
Views: 36 Replies: 0 Hilton allows guest to double dip their earning preference by either earning points + points, points + variable miles, or points + fixed miles.

I received this via email this afternoon.

On January 6, 2014, we will discontinue the Points & Fixed Miles Earning Style. At this time, you will automatically start to earn variable miles, or 10 HHonors Base Points plus one airline mile (or kilometer) per eligible US dollar spent for most stays.

This is not a major blow for an already poorly valued program, but for our family, who prefers to stay in the cheaper Hilton brands with bills less than $500, it made sense for us to stick with the points + fixed miles option, granting us 500 miles per stay plus the HHonors points earned.

Link: http://hhonors3.hilton.com/en/promotions/update-to-hhonors-earni...
Discussion Deals
which state to register my car waterbury, CT or Queens, NY
Added on : Sunday November 03rd 2013 04:00:08 PM
g: 0 Posted By: davidbeckham
Views: 35 Replies: 0 I work in waterbury, CT for weekdays but go back to my parent's place in Queens, NY for weekend. All my mails go to NY and I don't have utility bills under my name because I share a house with 5 other roommates. Where would you register you car? Mine is currently registered in PA and will expire in May next year. I heard that if i get pulled over in NY for traffic violations I wouldn't get points with a CT license. Another thing to consider is that CT may be more expensive than NY for vehicle registration and I don't know how auto insurance compare in waterbury vs queens. TIA for you advice.
Question Deals
Best way to consolidate debt?
Added on : Saturday November 02nd 2013 11:00:05 AM
g: 0 Posted By: LeonWhite38
Views: 36 Replies: 0 This isnt for me its for my mom and I want to help her out the smartest way I can. Thats why I came to you guys. She has two different loans through two different loan companies and owes $5,000 for one and around $5,400 for the other. I dont know what the interest rates are, but I think it goes without saying that both are ridiculous.

Other than that, she has one credit card with roughly $1,500 on it and shes a little behind on her rent, electric and cable bills. Im guessing that puts her at around $15,000-$18,000 in debt. Ive looked into personal loans for her from banks and credit unions, but her credit isnt the best right now. Ive also heard to stay away from debt consolidation companies. What else can she do?
Personal Finance Deals
Credit Card Reward Networks and Strategies
Added on : Wednesday October 30th 2013 02:00:11 PM
g: 0 Posted By: BenH
Views: 30 Replies: 0 I would like to get a thread going where we can discuss all the big credit card reward networks out there.

What I'm talking about are things like Rewards Network and UPromise - where you can register a card with them and every time you use it you get some sort of additional points/CB in addition to what your CC gives you.

I know many of these rewards programs are operated by an umbrella entity, which doesn't allow you to have a card registered to more than one at at time.

Let's discuss all the various ones that are out there, the combinations that you can sign a card up for, and the optimal card to use (e.g. Sapphire Preferred already gets you 2x points on dining, so registering it to a dining program makes sense).

I'll start off with what I know:

Rewards Network -http://www.rewardsnetwork.com/- Operates:

Programs for all the major airlines (Alaska, United, AA, Delta, Spirit, SW) - For every $ you spend at a participating restaurantsyou get between 3-5 miles/points on that carrier
AMEX IDINE - up to 15% back on dining bills at participating restaurants
UPromise - up to 8% Cb (12% savings) for College at participating restaurants.

You can register for multiple programs, but a specific card can only be registered to one at a time.

...
Credit Deals
g: 0 Posted By: MISTERCHEAP
Views: 117 Replies: 1 Today is Mega Swagbucks Friday, which means you may be able to score more Swagbucks than normal just by searching the web, something we all do on a regular basis! And if youre new to Swagbucks, be sure to head on over www.swagbucks.com to sign up to start off with 30 Swag Bucks! Plus, you can enter the code HIP70 when signing up for an additional 70 Swag Bucks, so a total of 100 points just for signing up! Note that to enter this bonus registration code, you need to click the text that reads I have a sign up code when you are initially signing up.



As part of their Halloween celebrations, Swagbucks has also launched a set of Collectors Bills with special Halloween-themed artwork (there are five different designs). If you havent seen Collectors Bills before, theyre special Swag Bucks that you win randomly through their search engine. Win them all before November 1st and youll get an automatic 13 Swag Buck bonus added to your account!


h2s/collin
Discussion Deals
Any advice for getting healthcare if you can't afford it?
Added on : Thursday October 24th 2013 04:00:07 PM
g: 0 Posted By: mxmaniac
Views: 161 Replies: 4 I'm in a tough spot right now, in need of healthcare and treatment for some medical problems. I make too little to afford care, yet too much to qualify for any help. I know I'm not the only person like this, there are tons of people who live paycheck to paycheck.

Heres a brief summary of my situation. I was a successful and healthy construction worker, things were looking good. All of a sudden I'm hit with multiple health problems, thought they were minor but didn't realize how bad they were till it was too late. I could no longer work my regular job due to the health issues, and I found a lighter duty construction job which only paid half what I was making (with opportunity for increase). Just barely enough to squeak by and live paycheck to paycheck. I got minimal treatment but couldn't continue because the copays/patient responsibility was thousands of dollars, which I couldn't afford living paycheck to paycheck. My conditions got worse, and I lost my job and now can't work construction at all because my body in its current state can't take it, and I'm having tons of trouble finding any decent job/career I can live off of, with no college and a construction background. Right now my unemployment so small, that it is roughly the same as my mortgage. I'm selling things and using minimal savings just to pay the day to day food/utilities, I'll be out of things to sell very shortly. Yet the minimal unemployment which does not even pay the bills, is above the poverty level, and overall considered too high of income for any sort of low income medical help, or any sliding scale places. The obamacare is a joke, $300 a month for a plan with a $8000 deductable, how is a paycheck to paycheck person supposed to afford that? I am not willing to default on my mortgage or loose my home, it is the most important thing I have, and is the only sort of retirement savings I have. I really just need to get the proper medical treatment so that I can go back to work my former construction job, but with the ridiculous costs of healthcare, often thousands for simple little things, I don't have the money for it. I just can't believe, all my life I've been working hard, and paying money so that those too lazy to work can have their healthcare paid for, but the time I reach a rough patch I seem to be screwed.

Anyways, does anyone have advice or ideas to help? Even if they are somewhat radical like maybe going up to canada or another country long enough to get treatment (don't know if you can even do this).





Personal Finance Deals
Applying for a mortgage but have a bank history issue
Added on : Wednesday October 23rd 2013 12:00:06 PM
g: 0 Posted By: cap217
Views: 167 Replies: 1 Quick story...

Girlfriend and I have been looking for a house. She has a lot of student loan debt and in return credit to limit ratio is over extended. She has $120k in student loans. She makes $65,000 a year and receives some money from the HRSA program to repay for 2 years. This will get her to around $70k when that s done. I helped her with finance stuff and she is on the right track and has a credit score of 680. We have been saving but in her account mostly bc she makes more and when we want to buy a house, she will be the primary borrower.

I have only a car lease for debt. I think my AMEX and other cards might show a small revolving balance but I pay them off monthly. Sometimes it gets reported with a balance due to the billing cycle (I dont know)? Anyways, I dont make more than her and we couldnt afford anything nice in a house that I could purchase with my income.

Last week we found the perfect house in the perfect area that was underpriced. I talked to my agent and loan guy and I could qualify on my own. The house price is $99,000. Here is the general breakdown:

Income $18/hr @ 33 hr week= $30,888 year.
Monthly debt= $250
Fico=815
Checking $7,800
Savings=$2,000
Retirements=$11,000

All that works out for me. I told my loan guy that I was going to deposit a check from my girlfriend for $9,000 and he said NO (her account has all our savings $40,000). Dont scar your bank account by doing that. I then realized that my previous bank statements show about $2,400 in ATM withdrawls. I buy and trade and sell guitars as a hobby. This amount of money comes in and out on a normal basis along with paypal deposits (selling on forums or eBay) and large AMEX bills (buying on forums usually) (that are 100% paid). He said this is going to be an issue.

This was a long post that is all over the place. What I want to know is; will my atm withdrawls, large AMEX payments, and paypal deposits to my checking account be an issue? How do I address this issue? If I would have known we were using my checking account and I was doing a loan on my own, I wouldnt have been doing this for the past few months. Has this hurt my chances for a loan?
Real Estate Deals
Should I pay off mom's credit card?
Added on : Monday October 21st 2013 06:00:17 AM
g: 0 Posted By: Marsavings
Views: 78 Replies: 3 My dad died in 2005. I am an only child and live 2 hours away. He had always handled all of the money in the family, so I was concerned about how my mother would deal with it. He left a couple of small life insurance policies (one thru MetLife and one thru his former employer where he retired at age 57 in 1985). She gets a small pension payment (half of the pension he used to receive when he was alive) from his former employer, along with SS. When my dad died I paid for the cremation myself and I also paid the remainder of their car loan off for my mom so she wouldn't have that to worry about. I believe she has spent all of the life insurance monies except a small amount (less than $2000) that is left in one account. She does not want to spend that money - I don't know if it's an emotional attachment to my dad, or if it's the security of having that money available. She claims it's because it earns a higher interest rate (maybe 6%??). After my dad died she opened a checking account (my dad didn't believe in checking accts or cc's - he paid for everything in cash unless he needed a car loan, etc.) as well as a Chase Freedom card that got 5% CashBack on Gas/Groceries/DrugStores at the time. They have since changed that program so the categories are revolving every quarter. I told my mom at that time the the only way she should get this credit card is if she pays it off in full every month. Otherwise the interest charges will eat up any CashBack she might get. She also has a Discover card that she uses (supposedly) just for her medication that she has to buy thru mail order. Over the years she has bought several things that I did not agree with, but when I said anything, she would say "I needed it" or "I've never had xxxx, I deserve it", etc. Examples are new carpeting, new linoleum in the kitchen/bath, new toilet, new stove, new bedroom suite, new couch. Some - like the toilet - were a necessity. But others like the flooring and furniture were just "I want it, I deserve it" situations. For about the past year she has made casual comments to me such as "I want to get that credit card paid down," etc. But I never asked, as I didn't want to butt in. If I made a comment about something she had purchased, she would get defensive and justify it. I figured if she needed help she would ask for it.

This weekend she called and asked for my opinion. She wanted to know what I thought of taking out a loan at the bank to pay off the credit card. She said the bank has 12 months interest-free and she would pay it off in that year. I kept telling her that didn't sound right as I've never heard of a bank that doesn't charge interest...credit card companies - yes. Stores - yes, 12 months interest-free. But never banks for a loan. I asked her how much is her credit card bill, that this "loan" would be for? She said about $5,000 (I was actually afraid it would be more, but still a daunting amount). So this morning I called my local brach of that same bank for clarification. I was told they have a bank CREDIT CARD with a balance transfer deal of 12 months interest free. But not loans. So I don't know if my mom realizes it or not, but she is looking at getting yet ANOTHER credit card to pay off the Chase with a balance transfer, etc.

I think at the very least, she should take the remaining money in that life insurance account and pay down her cc bill to at least reduce it. But she doesn't want to. But it makes no sense to earn some small amount of interest on a small remaining balance of life insurance money, when you have $5K in cc debt that is probably accruing close to 30% interest every month! And maybe then contact Chase and see if they will settle the account for a less amount. I know she would take a hit to her credit for doing that, but she probably doesn't have that high of a credit score to begin with anyway. She told me that her minimum payments to Chase are $150/month right now.

And to top it all off, I asked her if she'd ever cashed in any of her CashBack rebates from the Chase card, and she said no. !!! So for 7-8 years she has never contacted Chase to get any of her CashBack sent to her or credited from her bill. I don't for for sure, but I doubt ALL of the CashBack that she would have accrued during this time would still be available, as I know most of the time the points or CashBack rewards expire after a certain period of time. But I told her to contact Chase using the 1-800 number on the statement, and askabout her CashBack rebates status. She might even have CashBack money available from Discover too. I don't know which Discover card she has.

We are in good financial shape - no kids, no car payments, mortgage paid off, pay our credit cards in full every month. I am wondering if I should let her "live and learn", or should I pay off her credit card in full for her so she doesn't have to worry about it anymore, and have her cancel the account so she can't continue to use it.

I just don't know if I should bail her out or not. She is 77 years old and this time since my dad died has been the first time in her life, I think, that she has had total control of her own money. I helped her out right after he died by paying off the car and the cremation costs, and tried to pound it into her head about paying off the cc's every month. At first I thought she was doing alright because she would take the checkbook to the bank to have the teller help her balance it every month, and she assured me when I would ask that she was paying off the credit cards every month. But then she started getting all this other credit from Lowe's, and the furniture store, as she purchased bigger items, and she knew how I felt about that.

I know it's hard for her living on such a small fixed income. Her mortgage is paid off, but she still has to pay the taxes and all of the monthly bills plus medication costs,and I know she's not rolling in dough. I just don't want her to repeat this all over again if I come to the rescue and pay it off.
Personal Finance Deals
g: 1 Posted By: VivYip
Views: 541 Replies: 1 Home Depot has this item for $1528.20 with free shipping

Whirlpool 26.1 cu. ft. French Door Refrigerator in Monochromatic Satina Steel
ENERGY STAR qualified and meets CEE Tier II standards, to help you save money on utility bills, use less energy and help preserve our natural resources
Exterior filtered water dispenser. Minimize the need for bottled water with an exterior dispenser that offers cold, filtered water and ice without opening the door
Factory installed ice maker with the Fast Ice option drops freezer temperatures for a full 24 hours to increase ice production by over 30%
PUR water filtration system. You'll help protect the environment by preventing the disposal of up to 3,000 plastic bottles a year and save over $600 for yourself
Tap Touch controls also provide a sleek look and are easy to use
Temperature management system keeps temperatures steady
Store more items on each shelf with this model's MicroEdge shelves. They not only have more usable shelf space, they help contain leaks
Triple Crisper system features two larger crispers with humidity controls, and a center crisper
Gallon size-adjustable door bins provide flexible storage options
19.38 cu. ft. fresh food compartment and 6.76 cu. ft. freezer compartment provide spacious storage options
Easily customize freezer storage and organize frozen food with the moveable freezer divider bin
Fold-away shelf's design makes it easy to store taller items on the shelf below
Streamlined design gives this model a sleek, modern look
LED interior lighting in both compartments. LED lighting makes it easy to see fresh and frozen food. It puts a spotlight on food and casts a more natural light on the contents of your refrigerator
French Door refrigerator: 2 refrigerator compartment doors and 1 freezer compartment drawer
Click Here for details on the services included with Delivery & Basic Hook-up and Installation options for Major Appliances
MFG Model # : WRF736SDAF
MFG Part # : WRF736SDAF

They also offer the 25cuft stainless steel for 1,780.20
Whirlpool 25.0 cu. ft. French Door Refrigerator in Monochromatic Stainless Steel

and 25.4 stainless steel for $988.20
Whirlpool 25.4 cu. ft. Side by Side Refrigerator in Monochromatic Stainless Steel

Hope this might help someone. Thank you for reading.
Appliance Deals

Home Depot Coupons
Take Out Unnecessary Student Loan to Boost Credit Score?
Added on : Thursday October 17th 2013 06:00:11 AM
g: 0 Posted By: km782
Views: 67 Replies: 0 I am looking for a way to boost my credit score. My score from Transunion is 747, which is ok but I don't really think it reflects my financial situation so I'd like to increase it. Two years ago it was over 780 but I decided to close my oldest credit card which began charging an annual fee and offered no rewards. I also opened a new account in its place and my score dropped 40 points as a result.

Right now I have 2 open credit card accounts. One is a Capital One card with a $15k limit and the other is a Citi card with a $31k limit. Citi recently increased my limit but Capital One refuses my requests. I have $170k in liquid assets (stocks, savings, etc.) so I am more than capable of paying off any bill that comes my way and have no other outstanding debt.

I am a part time student in grad school right now and have been paying the tuition bills out of pocket. Would taking out a student loan and then paying it off soon after that boost my credit score? My understanding is that it is helpful to have types of debt other than just credit card debt on your credit report. Id like to purchase a house in the next few years so even though I would pay a fee for the student loan I wonder if a lower interest rate on a mortgage would more than make up for it?
Personal Finance Deals
g: 0 Posted By: majorchamp
Views: 2 Replies: 0 So I am trying to decide which rewards CC to go with. My wife and I don't travel..and though a vacation is in the future, I don't feel a rewards based travel card is necessary. Cash Back and/or points would be ideal.

The QuickerSilver 1.5% Cash Back unlimited sounds very promising. The AMEX Preferred with 6% toward groceries, 3% toward gas, etc.. sounds promising as well, but seems to have limitations. Here are my questions.

My monthly bills come out to roughly $350 gas, $600-800 groceries (includes Kroger grocery, CVS pharmacy). We don't do much "shopping" like department stores.

Also, when I pay my verizon bill, gas bill, water bill, and general expenses with a Cash Back card like those mentioned, do I earn still 1.5%?

Thanks
Credit Deals
Do Credit cards (i.e. AMEX) have retention departments?
Added on : Saturday October 12th 2013 10:00:07 AM
g: 0 Posted By: lemonhead
Views: 59 Replies: 0 I love how when you get a credit card, you can start off with a $20K limit, but when the balance starts to approach half that, they reduce your limit to well below half that.

Amex has reduced my credit limit twice to what I deem an unacceptable level at this point, and I think I'm going to pay it off and finally close my account - I was wondering if you call in to cancel - is there a special number that you can call that will possibly have them reverse their decision?
I don't need $20K on 1 card, however, I enjoyed having it in the event of an emergency....like the $7K in hospital bills I acquired just a couple months ago.

anyone got any tips, or should I just close it and be done with it?
Tutorials & How-Tos Deals
$30 all you can eat (Data, Voice, Text, Video..) - any takers?
Added on : Tuesday October 08th 2013 05:00:02 PM
g: 0 Posted By: onlypinkfloyd
Views: 3 Replies: 0 anyone FW try this? it will great if you can share your feedback on this forum i.e. if you have successfully managed to pull this off!
Of course, the FW effect would be T-Mobile shuts down their $30 unlimited data plan, google cancels their 'voice' or starts charging for it

http://www.wired.com/gadgetlab/2013/10/the-tech-block-cheap-data...
How to Get Unlimited Talk, Text, and Data on an iPhone for $30 a Month

By Abdel Ibrahim
10.08.13
3:46 PM

http://www.wired.com/images_blogs/gadgetlab/2013/10/valcarcel_thingswelove_8.jpg
Photo by Josh Valcarcel/WIRED
http://creativecommons.org/licenses/by-nc/3.0/

This post was written by Abdel Ibrahim of The Tech Block, and is shared here with permission.

The Tech Block is a site that finds and promotes the most important tech articles and news from around the web, serving them up on a single clean, colorful page. Check them out, and follow @TheTechBlock on Twitter. You can also follow the author Abdel at @abdophoto.

Remember when your cellphone bill was $30$40 a month? If you do, you probably werent using a smartphone.Its no surprise that our phone bills have increasingly become more expensive over the past decade. Today, you cant really own a smartphone unless youre willing to shell out at least $70 a month. And even then, it usually means that youre making some sacrifices to your data plan, your minutes, or your text messages.I wanted to figure out how to own a smartphone, and pay as little as possible to use it without worrying about overages. After digging around I figured out a way that costs only $30 and gives me unlimited everything. Yes, thats right. Unlimited talk, text, and data. How did I do it? Read on and find out.Heres what youre going to need:

T-Mobile prepaid plan
Google Voice
Talk-a-tone app

The first, and arguably the most important part of achieving this is the actual plan, which is where T-Mobile comes in. What many of you probably dont know is that T-Mobile offers a $30 a month pre-paid plan that includes unlimited data, texts, and 100 minutes. Keep in mind that they only promise 4G/LTE for the first 5GB of usage, but for me thats fine. Im usually within Wi-Fi and in the 6+ years of owning a smartphone, Ive never really went over 5GB.The second ingredient needed is a Google Voice number. Google Voice serves two purposes: First, it allows you to have a phone number thats carrier agnostic. By having a phone number hosted by Google, you can forward any number to call your Google Voice number. In fact, you can port your current number over to Google Voice if you want something I did. Just be aware that if you do that, and youre under contract, youll have to pay your current carrier an early termination fee. Google does a good job explaining this in their video. Ive embedded it below.The second reason for Google Voice relates to the third piece of the puzzle: Talk-a-tone. Talk-a-tone is an app that allows you to log in into your Google Voice account to make calls and send texts over Wi-Fi or data without using minutes. The app doesnt have the best UI, and Ive had calls break up a couple of times, but overall it gets the job done. Whats cool is that if youre using an iPhone and youre running iOS 7, you can further reduce your need for Talk-a-tone by using FaceTime audio with your other iOS buddies. Where Talk-a-tone really comes in for me is when I need to make a regular phone call to a non-iOS device (not very often).There is one small caveat to going this route and thats in the cost of the phone itself. If youre going to go this route, youre likely going to have to buy a phone off-contract. For iPhone users that means spending a minimum of $549 if you want a 5c and $649 or you want a 5s. For Android users, there are some great options out there. You can pay $599 for a Google Play Edition HTC One or S4, or you can buy Googles flagship Nexus phones which start at $249. The Nexus 5 isnt too far away and if Google prices the phone the same way they did the Nexus 4, then youre in business.Ive been doing this for the past 3 months and I have nothing but good things to say. I live in a well-covered T-Mobile area and I tend to get roughly 20mb/s down and 12mb/s up. For $30 a month its hard for me to complain.
Helping a senior citizen with a Medical billing dispute.
Added on : Sunday October 06th 2013 08:00:08 AM
g: 0 Posted By: Direstraits66
Views: 122 Replies: 1 I'm trying to help a senior citizen (not yet medicare eligible) with a medical billing dispute. She's on fixed income but pays for a high deductible plan. She had a freak accident when travelling out of state and ended in emergency for a minor surgery. She has received separate bills from the hospital, doctors and anyone who may have peeked into Her Room in emergency.

Majority of the providers have settled for the insurance price except one. The bill fromanesthesiologist and anesthesiology nursewent into collection. The insurance rate is $260 against the billed rate of $1200. She sent a check for $260 along with a copy of EOB and a letter explaining the reason and a note to cash the check if it's accepted as full and final payment. Instead the bill went into collection.

What's the best way to help her handle this issue with the collection agency? I've asked her to send a Debt validation letter.

Her credit score is not a concern. She has little income to qualify for any type of credit.
.
Personal Finance Deals
g: 0 Posted By: mamamoss
Views: 150 Replies: 0 Buy of the Day, only select teams available. FS to store or home

Go Panthers

Choose from:
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g: 0 Posted By: scottxmso
Views: 131 Replies: 0 I have a credit card with CapitalOne, which was recently converted from a HSBC/Orchard Bank card. Although Orchard Bank mostly catered to subprime customers (low CLs, high fees, etc), I had a no annual fee card with 2% CashBack. I used the card pretty regularly because of the 2% CashBack rate, which CapOne recently reduced to 1.5%.

Anyway, Orchard was really conservative about credit line increases. I've had the card since 2007 and my CL has risen to $1500 over time from my original $500 CL, whereas I have several other cards with $5000+ CLs up to $14000 (including another CapitalOne card). My account was in good standing, regularly used the card, always paid the bills, and so on. I think the Orchard cards like mine that had no annual fees and 2% CashBack were mostly offered to customers with relatively decent credit, whereas the high-risk customers had to pay a fee to open the account and an annual fee. When CapitalOne was converting the accounts, I was hoping that it would be easier to get a CL. Tried once a little while after getting my new card, but this was rejected because supposedly they weren't doing CLs during the HSBC->CapOne transition.

Then I decided to try again a couple days ago, and put in a CLI request. Unfortunately, they rejected the request again; the letter states the reason it was declined was: "Credit line increases are not available upon request for this type of account". Has anyone else encountered this issue? What "type of account" is not eligible for CLI? Could it be something to do with it being a former Orchard account? I could see them labeling every account in the Orchard Bank portfolio as "subprime", and therefore being highly conservative with CLIs on these accounts.

Has anyone else had this issue with CapitalOne, especially with former HSBC cards? Is there a way to get CapitalOne to change the "type of account" so it is eligible for CLI? And as I have another CapitalOne card with $7000 CL, might it be possible to transfer CL from that card to the former Orchard card with $1500 CL currently?

Thanks!
Credit Deals
My sister -in -law emptied out ot my business account
Added on : Thursday September 26th 2013 10:00:07 PM
g: 0 Posted By: johndomatic
Views: 41 Replies: 0 I have a property management company that collects rent for my property, and my sister in law transfered over $20,000 from my business accountthere.I am going to have a hard time paying my bills!The management company also manages some of her properties. My property is owned by a LLC andI have51% ownership and 49% is owned by my elderly father. My father andis on vacation so its hard to talk to him about it. I believed my sister in law could of fooled my father in making the transfer. I did not know a third party who is not a member of the llc could instruct the property managent company to doso such a transfer. Isn't this illegal ? is there anything I can do? I thought in a LLc the manager is suppose to pay all of the bills and take care off LLC, not empty it out.
New User Question Deals
g: 1 Posted By: spydermonkey
Views: 128 Replies: 4 Title says it all. I can understand certain bills like mortgage, insurance, car note, etc can be easily split, but what about utilities, groceries, household items, etc? Before my wife and I got married, we would try to split everything. At the grocery, we would calculate 1/2 on my card, the rest on hers. Going out to eat, I would pay sometimes, she would pay other times. Monthly bills were easier, calculate them and divide by 2. I would transfer money into her checking and she would pay all the bills. All this can be a PITA and it just seems so much simpler for our paychecks to go into a single, joint account and pay everything from there.

For those who have separate accounts, how do you handle dividing up who pays what, when, where?

BTW, Ive done some searches on this topic but none of the threads never really explained how couples do this. The threads seem to focus on if doing one or the other is better/worse.
Personal Finance Deals
online billpay taking too long to transfer funds
Added on : Thursday September 26th 2013 04:00:11 AM
g: 0 Posted By: releasefoobar
Views: 95 Replies: 4 This might be more of a rant then a question, although maybe someone can help clarify for me. It seems like money takes forever to reach its destination these days when using online billpay or electronic transfer. One example is the online billpay service through my bank. It use to be for check payments, the bank cuts a check and mails it, and the money doesn't get pulled from my checking account until after the check was cached by the recipient. Now they have an upgraded billpay via a 3rd party service where payments have to be scheduled over a week in advance (even electronic payments to credit card companies and such), the money comes out of my account immediately, goes into mystery land for a week, then shows up at the recipient. I know the billpay service has to make money but over a week?! Another example is my HSA account. I transferred money electronically from my checking account into the HSA account so that I could pay some hospital bills. Two weeks later it finally shows up in the account and it is still not available on the HSA credit card yet.I have to wait even longer before i can use the card to make payments. Is it just me or should it not take that long to move money around. I feel like these companies are taking advantage of people and earn way too much interest just holding onto money during the transfer process. Am i misunderstanding something about the process and upset for no reason?
General Economics Deals
Tracfone BIG EASY No-Contract Phone $9.99 clearance INSTORE ONLY
Added on : Tuesday September 24th 2013 11:00:03 PM
g: 0 Posted By: hussaroo
Views: 147 Replies: 1
Alcatel A382 handset

Great phone for senior citizens! Big numbers, Easy to use

Extra-large, lighted keypad and a large-font display
Hands-free speaker so you can get some work done while you talk
Features text messaging, voice mail, Call Waiting and Caller ID
Background noise reducer so you can hear your conversation
Built-in FM radio and flashlight
TracFone Airtime Balance Display shows you how much airtime you've used and how much is left
Requires no activation fees, contracts, monthly bills or credit checks
Hearing-aid compatible (HAC) rating: M4

Clearanced from $29.99 to $9.99


Got one for my mom....
Cell Phones Deals

TracFone Coupons
g: 0 Posted By: Reots
Views: 0 Replies: 0 http://www.tigerdirect.com/applications/SearchTools/item-details.asp?EdpNo=8398290&Sku=S203-2676

Samsung All-in-One Mono Laser Printer
Print from virtually anywhere in your office with the Samsung All-in-One Mono Laser Printer. With print, scan, copy, and fax capabilities, this All-In-One printer can surely cater to all of your documenting needs. This monochrome laser produces high quality documents with up to 1200 x 1200 dpi resolution. With 21ppm print speed, you can do more in less time. A 433MHz Processor and a 128MB Memory keeps the printer running smoothly. You can connect this printer to an existing network and enhance its capabilities. This energy star certified printer efficiently cuts your electricity bills and saves environment. Purchase the Samsung All-in-One Mono Laser Printer today

Ethernet ,USB 2.0 or WiFiconnection makes this a very nice deal
Budgeting effectively using multiple accounts and automatic transfers
Added on : Wednesday September 18th 2013 12:00:05 PM
g: 0 Posted By: loheiman
Views: 81 Replies: 0 I'd like to create a discussion and see how savvy FWers setup their bank accounts, credit cards and automatic transfers for the purpose of effective budgeting.

I've never really been serious about this before but I'm 26 now have little savings and want to change that (have paid off my student loans tho!). I've used Mint and Yodlee for years to track transactions and have spent the last few months using Mint to budget but I feel it's not ideal for accounting for irregular expenses or saving for future goals etc.

My goals are to:
Create scarcity and properly account for future expenses/obligations so I know exactly how much money I can spendat any given time
Ensure that I "pay myself first" and properly save for the future
Create an easy way to save for goals/big purchases such as new laptop, phone, clothes etc

I got inspiration fromthis article on the 4 hour work week blog. I like the idea of automatic transfers and divvying up money into many sub accounts but am unsure how well this will really work with credit cards. Using debit/check cards would obviously simplify this but I can't get myself to do that because I don't want to give up 1) the layer of protection from fraud 2)Lack of liquidity due to large holds and 3) CashBack, miles, points etc

FYII get paid twice a month, on the 31st and 15th via direct deposit with no 401k plan available

MONTHLY FLOW OF MONEY
31st of month:
100% of paycheck direct deposited into central checking account

2nd of month:
40% of paycheck transferred to Monthly Expenses account (used for rent, utilities, bills)
25% of paycheck transferred to Savings account (for retirement/future)
3% of paycheck transferred to Travel account (for travel/vacation)
1% of paycheck transferred to Irregular Expenses account (Misc expenses such as dr co-pays, contacts, renters insurance etc)
31% of paycheck transferred to Everyday Spending account (for food, entertainment, fun etc)

15th of month:
Same as 31st of month

17th of month:
Same as 2nd of month


PAYING FOR THINGS
My thinking here is to have a separate credit card for each type of expense (Monthly, Irregular, Travel etc) and pay each credit card off from its corresponding checking account.

Where I'm a bit stuck is how to pay for Everyday Spending:If i'm constantly using a credit card here, my "view" into how much I have to spend is clouded by two things: 1) The lag of credit card transactions posting to account and 2) Always having to do mental math of subtracting the credit card balance from my Everyday Spending account. Any ideas here? Cash only is not an option as I frequently purchase items online (Amazon prime addict here!)


MISC INFO:
I plan to use Alliant checking acounts for the bulk of my accounts because it transfers money very fast to/from external accounts and instantly between internal accounts
I'd also use Alliant checking for my Everyday Spending account but I've been spoiled by Schwab and the idea of searching for In-Network ATMs sounds terrible
I often open credit cards/checking accounts for miles/bonuses so it'd be nice if I could do that without tangling with my regular accounting


QUESTIONS FOR YOU:
What do you do?
How well does it work?
Have any of you given up credit cards to simplify your system?
How do determine how much spending money you have at any given time and make guilt-free purchases?

Any and all feedback/input/advice is welcome. Thanks!



Personal Finance Deals
Fighting HOA Condo Assoc Rules Cant sell Cant Rent
Added on : Tuesday September 17th 2013 09:00:06 AM
g: 0 Posted By: gdrum
Views: 195 Replies: 5 We listed a condo for rent for 950 month. 2 bedroom 1300 sq ft, 1 car. The amount owed is 80, and the property is worth 80. Instead after realitor comissions, inspection repairs I figured its better to rent it and walk away with 300-400 a month in the green then lose 7-10k. I figured I might have some problem with HOA as they have a cap for rentals but never thought it would escalate more then a warning. 3 days after listing for lease on mibor we received a letter and email from the president of the HOA advising if we do not change the listing from lease to sell we would face legal issues. Below is a blip of what they forwarded me.We of course immediately changedthe listing to for sale. The community is on the FHAnon-approved communitys due to number of rentals so there goes a large percentage of my buying market.

I requested additional informationin regards to the rules below. What were the total number of properties? What does 20% mean? How many are currently rented? How long is the waiting list? What is the current HOA budget?Ihad no response with any information or communication. I was made aware there were 3 or 4 lawsuits filed at this current point with the HOA. We do not know if its hoa to owner or owner to hoa.

Questions. What legal action could they tie me too? I have had 4 or 5 requests to rent it in the last week. What could they do legally? If I went to court could I stand before the judge and explain I am just someone trying to pay my bills and have no other options? Maybe I need to wait to sell another month then go that route? Can I waste his time requesting certified mail/letters/legal just because I feel like thats what I should do at this point? What are your suggestions, ideas for moving forward with this situation?


=12ptHere is a copy of that section for your records. We appreciate your immediate compliance.=12ptFurther communications will be answered they Courtney. =12ptArticle XI
Leasing of Condominium Units and Maximum Number of Condominium Units Owned =12ptSection 11.01. Limits on the Number of Leased Condominium Units ("Rental Cap").In order to insure that the residents within Avon Village share the same proprietary interest in and respect of the Condominium Units and the Common Areas and to assist in Avon Village purchasers being able to obtain federally insured or backed mortgages, no more than twenty percent (20%) of the Condominium Units may be leased or rented to non-owner occupants at any given time, except as may be otherwise provided in this Article XI. The Condominium Units described in the next paragraph of this Section 11.01 shall count towards the twenty percent (20%) "cap". If at any time such percentage of Condominium Units are leased or rented, an Owner who wants to rent or lease his or her Condominium Unit which is not already rented shall be placed upon a waiting list by the Board of Directors. When an existing tenant moves out, the Owner of that Condominium Unit shall immediately notify the Board of Directors or Managing Agent of such fact and that Condominium Unit cannot be re-rented until all prior Owners on the waiting list, if any, have had a chance to rent their Condominium Units. Prior to the execution of any lease, and in addition to the requirements set forth below, the Owner must notify the Board of Directors or the Managing Agent as to that Owner's intent to lease his or her Condominium Unit. After receiving such notice, the Board of Directors or the Managing Agent shall advise the Owner if Condominium Units may be leased or whether the maximum number of Condominium Units within Avon Village is currently being leased. If the maximum number of Condominium Units is being leased, the Board of Directors or the Managing Agent shall also notify the Owner of that Owner's position on the waiting list.
Personal Finance Deals
Amazons Lowest Unadvertised Deals on Tablets, Electronics and Computers!
Added on : Monday September 16th 2013 04:00:03 AM
g: -1 Posted By: maryedgetjr
Views: 205 Replies: 0 Amazons Lowest Unadvertised Deals on Tablets, Electronics and Computers!Got this special link from my friend that works at Amazon. Bookmark it for the special deals and savings! This link must be used to get the special unadvertised deals.http://www.amazon.com/Best-Sellers-Electronics-Computer-Tablets/zgbs/electronics/1232597011/ Slash your grocery bills by 70%!http://www.amazon.com/GrocerySavers-Grocery-Savings-Booklet/dp/B0031LZFVY/
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g: 0 Posted By: perpetualstudent
Views: 104 Replies: 0 I'm about to enter into some 1099 consulting work. It should be fairly lucrative and I want to maximize tax writeoffs for other things. Without going into specifics, here's some general details of three activities I perform, that may qualify as business activities or the IRS may rule them as hobbies.

ACTIVITY 1) Primary 1099 Consulting Work. It's what's really paying the bills. No one can argue this is a hobby. This is where 99% of my income will be derived. As of right now, I plan to do this as a Sole Prop because it's low-liability type work and Sole Prop seems easiest/cheapest to do. Also most common for my profession.

ACTIVITY 2) I have an LLC for this "activity" that I very much enjoy and is something I could potentially do as a business, and people do this work as a business, however I have yet to charge people for my services. I do it to maintain my skills and for fun with friends. I have expenses but I haven't tried to deduct any of them yet. The reason I don't do this as a business is because "ACTIVITY 1" pays 10x more than this activity could possibly pay. This is also a high liability area so the LLC is necessary. Basically over the last few years I've been filing LLC annual fees and keeping it up so I could eventually declare it a legitimate business. By most reasonable assessments, I can demonstrate that I do in fact possess the professional skillset to do this as an actual business and with my background as an MBA, I can write out a rock solid market feasibility study and business plan that would be better than those of 99% of other small businesses. That said, I'm concerned that this could be declared a "hobby" because at least as of right now, it pretty much is.

ACTIVITY 3) This is not currently an entity of any kind, nor is there any money involved yet. This is fiction writing. I enjoy it as a hobby and would love to be published and do it full-time but that's very rare to do and even if there's never any money, I'll keep doing it for fun.

Here's my question/idea:

Can I deduct expenses from Activities 2 and 3 against my 1099 income from Activity 1?

I think the answer is "maybe" and here's the assessment I've done based on some research over the years:

a) I probably need to declare all 3 business "units" as separate with respect to revenue and expenses. So I probably can't write off expenses from Activity 3 against Activity 1.

b) If I keep Activity 1 as a sole prop and Activity 3 as a sole prop, I might be able to merge the revenue/expenses on the same tax return. I assume it's just "add up all revenue from all sole prop activities and add up all expenses from sole prop activities". I don't think I'll need to separate them, however I would need to prove that I have the professional ability to actually be a professional writer and count that as a non-hobby. Without going into full details and boring people, there's a chance I could make a moderate-strength case that I have the coursework/training to be a professional writer.

c) I've read that the IRS allows you to deduct the expenses from a failed business against other income, assuming you can prove it's a legitimate business and not a hobby. As I mentioned in Activity 2 above, I'm 99% sure I can prove it's a legit business, because I have an industry certification to perform the specific professional service, and I have a legit looking business plan/marketing feasibility study. I've also read something to the effect that if the business fails year after year to earn a profit, I have to demonstrate that I've made changes to the business plan, as a real business would that is failing, to try to become profitable by mitigating whatever caused the failures. I think I can do that as well.

I will say that Activity 2 is a VERY expensive hobby. I'd like to turn it into a cheaper hobby by declaring it a legitimate business and deducting expenses.

Activity 3 is a very CHEAP hobby, but I'd like to travel to writing workshops/conferences if I can deduct that as an expense against my primary source of income.

Anyone here have experience doing anything like this? Where you have one primary source of income for 99% of your work but have a few things you really enjoy doing, but aren't really making money, but figured out how to create "legitimate" businesses around them for tax deduction purposes?
Tax Deals
Loan options other than student loans?
Added on : Saturday September 14th 2013 07:00:06 PM
g: 0 Posted By: latieungao
Views: 38 Replies: 0 Hi everybody,

I need loans (from a financial institution) to fund my education -about $15K every 3.5 months. It is out of the country, so federal loan is not an option. The only private loan company on my school's list lends out at a variable ~9.5%. They will install a fixed about every semester and repayments can be deferred until graduation. My sister, who is has very good credit, is very supportive and willing to take out loans for me (yes, in her name). I wonder if she can take an equity loan for a cheaper rate? (how do equity loans work?) Is there options other than the private student loan I mentioned?

I am 24 years old. Have good credit (always pay my credit card bills in full). I fortunately never had loans (I save and pay for stuff with cash), so I am clueless about loans.
My sister has good credit. She had 2 mortgages but recently sold off one.

Thank you!

Personal Finance Deals
ReloadIt woes
Added on : Friday September 13th 2013 04:00:06 PM
g: 0 Posted By: BenH
Views: 0 Replies: 0 Just posting an experience I had with a ReloadIt pack to see if anyone else has encountered anything similar or to help anyone else out in the future.

I just realized that one of the supermarkets I go to has these cards. Since they are a smaller chain, I had assumed, based on my past experience that they wouldn't take credit. However, they do.
I bought a $500 pack - the cashiers seemed to very confused as to how to ring it up, but in the end they just swiped the card and it asked them for the amount. They entered $500.00 and the total came up as $503.95. So, it appears that the register properly realized what it was doing (or else it wouldn't have added the $3.95).

Anyway, I just tried to use the pack to load a card and got this message:

"We apologize for this inconvenience but, your pack was purchased at a retailer who does not currently support your account. Please contact customer service (888) 633-9434."

I called customer service, read them my card #, waited on hold for a couple minutes and they came back and said that it was a defective card. I explained that the cashier had some confusion ringing it up, but that in the end it appeared to have worked.
I was assured that no one did anything wrong and that just the card itself was faulty.

Here is the kicker though. The only way to get the money is to have ReloadIt refund it to me. They are going to send me a check for the $503.95 - but said it would take 14 days.

Now, I personally don't have any financial issue being out $500 bucks for 2 weeks - but imagine if I was the "target audience" for these things. That might have been my whole paycheck I loaded so I could load it to my debit card and pay bills!

My one suspicion is that on the back of these cards there are two barcodes - a big one along the bottom and a smaller one on the top right. On quite a few of these cards there was a white sticker placed over the top barcode.
I debated on which one I should pick up - the one with the sticker over it, or the ones where the barcode was not covered. I took one with a sticker. Perhaps the ones with stickers on them were a way to mark them as bad?

I will likely pick up another one tomorrow with no sticker on it and if it works I will stick with ones without stickers. If however I'm left with only sticker ones, I will likely try it again to confirm my suspicions that it may mean a "bad card."

Earn 20k or 40k TY points with new Citi checking
Added on : Wednesday September 11th 2013 05:00:07 AM
g: 1 Posted By: prikindel
Views: 2117 Replies: 17 Basically, you have two choices:

open a Basic Banking Package with no minimum requirements and get 20k TY points
lock in $50k in aCitigold Account Package for about 4 months and get 40k TY points


In either case, you have to make 1 DD and 1 bill pay per month for 2 months, and also either use their mobile app or sign up for paperless statements.

promo link


Offer details:ThankYouPoints will be credited to your ThankYou Member Account within 90 days from the end of the statement period in which you satisfy all offer requirements.

1. Qualifications:

To qualify for 30,000 bonus ThankYou Points, open a new Regular Checking account in The CitigoldAccount Package; or to qualify for 10,000 bonus ThankYou Points, open a new Regular Checking account in The CitibankAccount Package or Basic Banking Package.
Within 60 days after account opening, you must enroll the new checking account in Citi ThankYouRewards and; 1 qualifying direct deposit must be credited, and 1 qualifying bill payment must be posted, to the new checking account and such activities must also occur during a calendar month and the following calendar month.
Qualifying direct deposits are Automated Clearing House (ACH) credits, which may include payroll, pension, or government payments (such as Social Security) by your employer or an outside agency. Qualifying bill payments are those made using CitibankOnline, Citi MobileSMor Citiphone Banking. Bills paid by making a transfer between linked accounts and/or transfer payments made to accounts within Citibank or to accounts of Citibank affiliates do not qualify as bill payments for this offer.

2. To qualify for an additional 10,000 bonus ThankYouPoints:

You must satisfy the qualifications described above AND within 60 days after account opening complete one of the following digital services:
- Download the Citi MobileSMApp and use the app to sign on with the same User ID and Password you use to access your new checking account online;
- Or Enroll your new checking account in paperless statements.
Citibank Online registration is required before you can complete any of these digital services.
Important Tax Information: Enrollment in Citi ThankYou Rewards and this offer limited to customers who are either citizens or resident aliens of the United States (U.S.) with a valid U.S. taxpayer identification number. The value of the rewards from redeemed Points may be reported to the IRS as miscellaneous income on Form 1099-MISC in the year redeemed, if the value of the rewards plus other taxable miscellaneous income awards received from Citibank, N.A., is in the aggregate $600 or greater for a calendar year, as required by applicable law. Customer is responsible for any applicable taxes.Separate enrollment of eligible checking account in Citi ThankYouRewards required. Citi ThankYou Rewards enrollment and participation are subject to terms, conditions and restrictions. Visit thankyou.com to see the various rewards available in the Citi ThankYouProgram; ThankYou Rewards and the ThankYou Point levels for specific rewards are subject to change without notice. Customers must log in to their ThankYou Member Account to see specific rewards and redemption values available to them.Offer is for new checking customers only, 18 years or older. All accounts subject to approval and applicable terms and fees. Limit of one offer per customer and account. Offer expires 10/31/13, may be modified or withdrawn at any time without notice, is not transferable and cannot be combined with any other offer. If you have received a bonus reward for opening a new Citibank consumer checking account within the past two years you will not be eligible to receive a bonus associated with this offer. Your new Regular Checking account in The Citigold Account Package, The Citibank Account Package or the Basic Banking Package must be open and in good standing at the time the bonus ThankYou Points are posted to your ThankYou Member Account.

Information about Banking Products and services

3. Get cash, get information and transfer balances between eligible linked Citibank accounts with no ATM usage fee when you use your Citibank ATM or Debit Card at ATMs at Citibank branches and Citibank-branded ATMs at other locations. Not all ATMs are owned or operated by Citibank. Not all functions available at all ATMs.

4. Citibank does not charge you a fee for using Citi Mobile or for the Citibank for iPad app. However, charges from your wireless carrier may apply. Regular account charges apply.

5.Citigold Account Package- Monthly service fee is waived if you maintain a combined average monthly balance of $50,000 in deposits and retirement balances OR $100,000 in combined average monthly balances in deposits, retirement, investments, credit cards, and loans/lines of credit excluding first mortgage, otherwise a $30.00 monthly service fee is applied. Ask for details.

Citibank Account Package- Monthly service fee is waived if you maintain a combined average monthly balance of $15,000 in eligible linked products otherwise a monthly service fee of $20.00 is applied. Eligible linked products are linked deposits, loans, mortgages, credit cards, retirement and investment accounts. Ask for details.

Basic Banking Package- Monthly service fee is waived if the following transactions are completed: maintain a combined average monthly balance of $1,500 in either your Basic checking or your linked Basic Savings Account OR if One Qualifying Direct Deposit is credited to your Basic Checking account or to a linked Day-to-Day Savings in a Basic Banking Package AND One Qualifying Bill Payment is posted to your Basic Checking account. Otherwise a $10.00 monthly service fee is applied. Qualifying bill payments are those made using Citibank=9pxOnline, Citi MobileSMor CitiPhone Banking=9px. Bills paid by making a transfer between linked accounts and/or transfer payments made to accounts within Citibank or to accounts with Citibank affiliates do not qualify as bill payments for this offer. Qualifying direct deposits are Automated Clearing House (ACH) credits, which may include payroll, pension, or government payments (such as Social Security) by your employer or an outside agency. Ask for details.

This page contains information about U.S. domestic financial services provided by the Citigroup family of companies and is intended for use domestically in the U.S.

Deposits Deals
HSA Medical Expenses Now, Much Later Withdrawal Even Years Later?
Added on : Sunday September 08th 2013 12:00:06 PM
g: 0 Posted By: mikeg1
Views: 45 Replies: 2 I read the following on a personal finance blog post:

"We have a health savings account, but because we don't qualify for Roth IRA's, we max out the HSA, but pay our medical bills out of pocket. We are piling up cash in the HSA for future use. If we need it, we have all of our expense receipts to make tax free withdrawals."

My understanding of the relevant laws/rules is that this is just fine, but could any FWers comment?

I have always just paid with a CC and then reimbursed myself from the HSA via withdrawal, but could I delay my HSA reimbursement for years if I so desired? I have been on the same high deductible insurance plan since 2009 with the same HSA, and I expect to not change anything anytime soon.

Apologies if this has been covered elsewhere here on FW. I didn't find anything in a search, but I could have missed the obvious!
Discussion Deals
Wells Fargo College unsecure card any good?
Added on : Saturday September 07th 2013 09:00:04 AM
g: 0 Posted By: gremlin477
Views: 4 Replies: 0 I have any credit history at all, have never owned a card, and am 22. My banker at Wells Fargo said since I have a job, go to college full time and have banked there for years, I could get their unsecure college card. Would you suggest I do this (it's only 1% back) or go with another? If another, could which would you suggest? Do you think they would take anybody with little history for their college card?

One of the reasons why I was considering the Wells Fargo card was because my other accounts are already there and it would be easy to transfer money from my checking to the credit to pay off bills. To pay off bills from one bank's checking to another's credit, is that a pain or can it all be done electronically? I might switch banks all together one day if that won't hurt my credit score.

I thought the citi and the discover it looked like good deals, but I'm not sure if they would accept me or if the rotating 5% backs choose bad categories or not.

I've looked at the which card is best thread, but I don't know how these factors can be weighed in there. This is my first post here, so correct me if I'm doing things wrong.

Thank you.
Credit Deals
Vacation and Luxury Spending - First World Problems
Added on : Friday September 06th 2013 12:00:07 PM
g: 0 Posted By: Horseymen
Views: 235 Replies: 3 Fatwallet Friends,

I have spent a lot of time thinking about this over the last few weeks - and I have even done quite a bit of research on this. I know there is no right answer to the questions I will pose, but perhaps hearing different people's philosophies toward it can be helpful.

There was a thread similar to this on a Disney Board with good datapoints, but I find these people are different than Fatwalleters:

http://www.disboards.com/showthread.php?t=2661952&page=1

The question is in essence - how much will you allow yourself to spend on luxury items like vacations? What rules would you apply in different scenarios?

I grew up extremely poor - our household income growing up was probably 15,000 as a family, so the idea of spending $15,000 dollars for ONE vacation is a bit nauseating to me. I have been collecting miles - and have over nearly a million miles - but if dates don't line up and things to that end - you gotta pay for airfare and things to that end. But, one thing I've learned from reading many threads is that the one thing that people will spend money on are experiences. I try to budget miles like cash, so I don't want to spend miles if I'm only going to get a penny a point value - I try to save the miles for the saver flights.

My personal situation - we are debt free other than the mortgage. As my primary job is a college professor, I have 4 months a year to basically travel. (3 months in summer, 1 month in December/January - and Spring Break). As a family (wife, me, 2 kids), we value traveling and enjoy it. I don't have any other hobbies, and really don't spend much on anything else.

We love traveling but have been doing it super cheap. We have used timeshare deals, last minute traveling and driving instead of flying to score some killer deals on travel. This past summer, we spent 7 straight weeks on "vacation" - at Marriott's, Disney resorts using RCI points, Starwood hotels while driving - and probably only spent about $7000 dollars (entertainment, hotel cost, gas cost, car rental) for 7 weeks - I ignore food in that budget because at most timeshares, we shopped and ate at the condo and we were going to eat anyway. To me, I can wrap my head around that because there's value - just about everything was a good deal (had a friend get us in Disney on a military pass, scored great deal on the minivan, used 5% cards for gas, used points when we stayed in hotels, etc..). I'm thinking a 7 week trip to Europe next summer could run as high as 20-25k.

We are now to the point where we have been to 49 of the 50 states. We've done Disney. We've done oceans and beaches. It's time for international travel. It's time for Hawaii. It's time for that world. Even though we have the money, I can't wrap myself around $4,000 dollar flights for 4 people (just in Coach!) - or multi-thousand dollar cruises. I know many of you would then say "Use miles!" - but generally speaking, as a teacher, most of my travel availability is when everyone else is traveling, so good luck finding a trip to hawaii one can use on miles from December 13th to 21st, for instance.

It would be helpful to know some of the rules that middle class to upper middle class people use - and maybe you don't value travel - but might have a hobby that is expensive similarly that you do value. We make around 150-175k a year - and generally after retirement and bills/utilities have anywhere between 2k and 4k left over in a month. We recently (in the last couple of months) just became debt free. We could easily have a $25,000 dollar a year travel budget putting aside $2000 a month - but is this ridiculous? Should one wait until literally every bill (including the mortgage) is paid off before starting to do that level of travel/luxury spending? Would you require a certain level in 401k's before doing this? What rules have you applied to the financing of things you value? If you're a deal hunter like me - will you forego a trip because there's no deal available? Or do it because it's what you want to do?

Like I said, I know there are no "right" answers to this, but hearing how others handle this could be helpful in developing my own philosophy - since this wasn't something I necessarily had growing up or even have friends who role model this type of behavior. I know many of you are very financially fortunate and well off and may have had a chance to develop philosophies on this.

I don't want to be the one at 60 who says "I wish I would have seen the Great Wall of China.." - but I don't want to be stupid and extravagant, either..
Personal Finance Deals
g: 0 Posted By: Lemmata
Views: 119 Replies: 5 I know Amazon allows GC purchases as small as 15 cents, and I've taken advantage of that for KTC and meeting RCA requirements in the past. However, my local credit union is offering a deal on a reward checking account that I would like to scale by opening many accounts with them. I currently have 9 accounts with this CU and plan to open more. But, each account requires 15 transactions per month on the debit card to qualify for the rewards. I am wondering whether anyone on FWF has either been banned or heard of anyone getting banned from Amazon for buying too many small value gift cards. I have only heard of people getting banned from Amazon for abusing returns, but I can imagine they might not be too happy with me if I start buying dozens of 15 cent gift cards a day every day. But they could have also set a larger minimum than 15 cents, which leads me to think they might not care. Anyone ever scaled up purchases of small Amazon GC beyond a few a day? I would like to play it safe because continued access to Amazon is valuable to me, but Amazon GC are a super easy way to manufacture transactions so I don't want to miss out on that unnecessarily either.

Other than that, does anyone have any good suggestions for generating small transactions for RCAs? The only other methods I have both require the use of a machine that operates at a slow pace - either buy 4 cents at a time worth of gas, or load Bluebird for $1 at a time at a WalMart kiosk (the minimum used to be $20 but it went down when the software was updated to differentiate between Bluebird and the WalMart MoneyCard) - both of which probably take upwards of 1 minute per transaction which is painful if you're doing lots. I've looked into paying utility bills $1 at a time, but that's not an option for me. Does anyone know of a charity that accepts very small contributions via credit/debit card? I would get Square and eat the transaction costs to save time, but I'm sure I would get banned in short order. Maybe I could use someone else's Square, but I think they would question hundreds of 1 cent transactions from the same person even if that person weren't the business owner. The key is minimizing the time I spend per transaction, even if I have to accept some cost (though not too much) in exchange.
Deal Deals
Any no-fee BT cards besides Chase Slate?
Added on : Friday August 30th 2013 05:00:07 AM
g: 0 Posted By: Muscle
Views: 18 Replies: 1 About to help GF do a mini AOR with a focus on no-fee BT cards. Trying to get approximately $7.5k transferred to no BT fee/0% APR card(s). I recently consolidated my Chase cards into a Slate myself and did the no-fee transfer (couldn't be happier). I pulled up her credit report, it looks good except for a couple 30 day missed payments on CCs and a couple unpaid medical bills totaling <$1k from last year.

Anyone know of any cards that don't have a BT fee besides the Chase Slate?

Going to apply for 4-5 cards.

Ideal card:
-No BT fee
-0% APR for 12+ months
-Cash Back promo is icing

'Ok' card:
-3% BT fee
-0% APR for 12+ months
-Cash Back promo

Would appreciate any heads up. Thanks!
Credit Deals
VERY Expensive eye exam, no notice of OOP expenses
Added on : Wednesday August 28th 2013 09:00:13 AM
g: 0 Posted By: mortgageornot
Views: 0 Replies: 0 I remember reading a FW Finance thread this year where the eye doctor wouldn't give the patient their glasses rx and the thread started going into how doctors make very little on the eye exam and make a killing on contacts/glasses.
I can't find that thread now (anybody have a link?), but boy is my experience totally different!

I have VSP insurance. My copay for an eye exam is $5 and there is a $125 allowance combined allowance for a contact lens exam and contacts.

Last year I accidentally went to a non-member doctor so this year I went to VSP's website and found a member doctor with good Yelp reviews.

Last month I went in for my eye exam. The DR performed just about every test under the sun. I've been going to what I thought were sophisticated eye doctors for years, but this was something totally different.

DR took these super high res photos of my eyelid/lashes and said they were dirty/clogged up. DR hands me some lid scrub and a spray and tells me to use them twice daily until the follow-up exam a month later.

Also suggested I take Omega3 supplements for either the same issue or something else, I can't remember. And also provides suggestions on how to change diet for eye health.

During the contact lens exam DR says the contacts I've been wearing may be too tight and suggests a different brand and taking both RXs down by .25.

No mention during the entire exam of any out of pocket costs for what DR is doing.

At the end of the exam I'm expecting a $5 copay, but am presented with a bill for $86. This is made up of
$49 for "Digital Screening" (I think those high-res pics)
$15 for the lid scrub
$22 for the eye spray

DR bills VSP:
$214 New Patient Comprehensive exam
$89 for Refraction
$89 for the contact lens evaluation
(above is based on my receipt, I don't know what VSP actually paid DR and VSPs website isn't overly informative even though I can see the exam details there).

Receptionist says after the $89 CL eval I have $36 left of my $125 allowance that I can put towards contacts. DR quotes me $240 ($60 per box x 4) for a 1-year supply of the new contacts. I tell them I'm good for now, knowing I'll buy them myself online.

Ok, $86 out of pocket, no biggie. I move on with my life.

I buy the 1-year supply of the new contacts (4 boxes) from VisionDirect for $97 total, not including another $15 ($15%) I'll get back from ShopDiscover, so basically $20 a box...

Was expecting to submit the receipt to VSP to get that other $36 back, but apparently their website shows my $125 is now exhausted...maybe from some of the charges above?


A month goes by and I go in for my follow-up.

DR says lid scrub/spray seems to have done the trick, my lids are much better.Newer, looser contacts are working out much better and helped fix whatever they were intended to fix.

They dilate me.Again, DR does a bunch of different tests. Now there are apparently two small holes in each of my retinas, but apparently theyve healed themselves nicely. Still DR recommends I take a supplement called 4sight or something for eye health. Again talks about diet changes for eye health.

Again, no mention during the entire exam of any out of pocket costs for what DR is doing.

At the end of this exam I'm expecting to pay $0, but am presented with a bill for $335.

Receipt is broken out as follows:
$200 Existing Patient Intermediate Exam
$230 Fundus photography$240 Scanning opthal diag
$140 External ocular
-$475 Doctor discount (presumably for having VSP?)
So I hand over the credit card and am out another $335 out of pocket.


So I guess my question is: what just happened? Is this normal? Because I really feel like I've been ripped off.

I've been getting eye exams approx every other year for over a decade and can't remember ever paying more than $50-100 out of pocket. Come to think of it I don't ever remember going back for a follow-up. Did I develop some serious eye problems and now this is just the price I have to pay?

DR wants me to go in for another follow-up 2 months from now to keep an eye on the retinas or something else I can't remember.

But I don't want to drop another $300 for what is quickly becoming apparent to me is for no reason. Who knows what new tests I'll undergo next time.

Time to find a new doctor?
Forming a "shared" corporation for arbitrage and maximizing rewards
Added on : Monday August 26th 2013 06:00:08 PM
g: 1 Posted By: perc
Views: 145 Replies: 0 We are all familiar with financial products that require direct deposits or debit/credit payments for maximizing rewards. Some people split up their payroll deposits or use personal accounts with ACH-out that counts as direct deposit, pay utility bills at $1 increments a dozen times, and try other clever ways to meet those requirements. There are also some rewards that can be better scaled or simply more convenient if run through a legitimate business with an established history rather than through a new sole proprietorship made up for the sake of landing a business card. An obvious option is for an individual to incorporate and establish such a legitimate business. But the various costs like incorporation and license fees, franchise/reporting fees, tax filings, and other things typically don't make it worthwhile for one person. But it could be worthwhile for a group of people. Suppose that such a business could be created. It might work like this:

The business would be non-profit like, meaning no profits are retained beyond its operating expenses.
A participant must become an owner/member/shareholder of the business, an employee/contractorof the business, and a consumer of the business's product all at the same time.
By becoming a owner/member/optionholder/shareholder, the participant must invest some dollar amount into the business. This amount serves as a deposit and an upper limit of "cash flow" available to that participant for peer-to-peer transactions. It could be $1or $1,000. The participant can sell back its stake and get back its original investment.
By becoming an employee/contractor of the business, the participant would be entitled to direct deposit at the amount and frequency desired andgain access to the EIN, business address, etc.for certain uses. The employee/contractor's job would be to seek out new arbitrage opportunities for the business and its participants. Salary must be $1 or less, preferably $0.01.
By becoming a consumer of the business's product, the participant would pay for the product(s)usingdebit/credit card transactions at the amount and frequency desired. The cost of the product would be the sum of that participant's paycheck + overhead.
The implied web of trust among all participants would allow peer-to-peer transactions backed by the limit of the participants' deposit amounts.

Some ballpark numbers on overhead:

Cost of a single direct deposit could be as low as $0.50, so a monthly $1salary could be "purchased" by the participantwith a product from the business that costs $1.50 each month.
Cost of a single credit card payment could be $0.30 + 2%, so the above $1.50 product would have an actual cost of $1.84.
The annual cost of operating this business should be under $1,000. Divided among 10 peoplethat's under $10 a month, less with more participants.

Questions:

What are the legal aspects of this business that should be considered? (I am familiar with many but would like them iterated for all readers.)
How much would you invest (deposit)and pay on a monthly basis (operating cost)to participate in this business?
If the product/service is useful to you and thecosts are acceptable, would you participate?
If not, why not?

Personal Finance Deals
Buying a $700,000 house...I know it's crazy, but is it even possible?
Added on : Saturday August 17th 2013 06:00:10 AM
g: -2 Posted By: Thrwaway1234569
Views: 202 Replies: 9 I understand that this is crazy I am not looking for "pay your bills" and "you are irresponsible" advice. I fully understand that this would be spending way above our means, but theoretically, I just want to go through the exercise and see if the loans even exist to buy a house with our financial situation.I want to know if my wife and I can buy a $700,000 house with our financials, and if so, what kind of loan we could get to accomplish this. I already know that a conventional mortgage loan is more than likely out of the question.Wife and I have $100,000 cash and gross about $137,000/year. In two years my wife's salary will jump and hopefully we will be around $240,000/year (She is a medical resident). We have zero debt. Cars, student loans etc...all paid off. My question is simple...Is it possible to get a loan to buy a $700,000-$730,000 house, and if so, what kind of loan would it be? I am envisioning a zero percent down loan and use the cash to pay for the first couple years until we see a jump in our salary. Do any loans like this exist?
Personal Finance Deals
Receiving unintended wireless Bills
Added on : Friday August 16th 2013 09:00:07 AM
g: 0 Posted By: wishforme
Views: 75 Replies: 1 Hello Folks,Seems like I am getting trapped into some kind of fraud/scam. I have been receiving unintended wireless bills either on my correct full name/correct first name since last couple of months from three wireless carrier- Verizon, AT&T and Sprint. These were newly opened accounts.On receiving these bills first time, I have alerted these carrier that these seems to be some kind of fraud. They confirmed these new accounts were not opened with my SSN and they really have person having same name in their system. On top of that they said they will correct the address and it is some error and they will correct it. Two month pass, I kept receiving new bill from Verizon(others have disappeared). In between I tried to returned those bills to post office but some senseless returned those again to my address. Now today, I received letter from some collection agency saying I owe around $2000 to Verizon wireless...blah blah blah... This letter does not contain my real full name but it was addressed to my residence. I am quite sure that it is not on my SSN either. So can someone suggest what will be correct way to stay clear from this issue?
Personal Finance 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
Employers that respect employees
Added on : Sunday August 11th 2013 04:00:11 AM
g: -1 Posted By: Solomon960
Views: 132 Replies: 4 While TDY in Texas, I spoke with a fellow soldier who mentioned something novel about an employer: Hannaford Bros Co, a grocer in the northeast, gives employees a $0.25 raise every six months. In theory, without being promoted and starting one's career at minimum wage ($7.25), one could double his/her earnings in 14.5 years simply by being a steady, dependable employee. Ironically, comparing Hannaford to a retailer I have worked at for 14.5 years, my earning ability has only increased less than $3 despite being promoted to middle management. Needless to say, inflation has taken quite a bite out of my take-home pay over that time. Even if I stayed another 14.5 years, I would never see a $14/hour wage - they just don't exist in my firm.Tales like Hannaford rewarding employees for be loyal and responsible give great credit to the realm of private employers. Until Hannaford, I had not heard of any semi-national employer being so kind to its workers.I am curious if other fatwalleters know of similar employers who understand the principle of "treating employees well leads to increased profits." If so, please share what your employer (or any employer) is doing to genuinely boost employee morale, ensure workers can pay their bills, and/or to allow employees to prepare for retirement.Thank you.
Personal Finance Deals
g: 0 Posted By: pokerplyer
Views: 0 Replies: 0 My father received treatment at a hospital earlier this year that required surgery and a week long stay at the hospital. About a month later, he received explanation of benefits statements from his insurance company stating that the entire surgery and hospital stay would not be covered due to the hospital failing to obtain prior authorization. The insurance company told me that it would be willing to review the claims and cover them under a process known as retroactive authorization (where the hospital would submit clinical paperwork for review).I contacted the doctor's office to find out what went wrong, and his assistant (who I believe was supposed to have obtained the prior authorization in the first place) had no idea what was going on and pointed her finger at someone called the surgery scheduler as being responsible for obtaining prior authorization. Of course, the surgery scheduler also had no idea what was going on. At this point, I was more concerned about obtaining the retroactive authorization, and the assistant eventually introduced me to a financial counselor who would be able to straighten things out.I sent the financial counselor the explanation of benefits statements after explaining to her how to start the process of obtaining retroactive authorization. The financial counselor told me that it would typically take 30 days to complete the process. When I first heard this, I thought it was strange as a customer service representative from the insurance company told me that the process typically took around a week after receiving the paperwork, but I didn't question it as I assumed she was busy and thus was quoting me a generous timeframe.Fast forward a month later, and I email her asking her for a status update on the retroactive authorization process. She informs me that she would contact the business office (has anyone working in healthcare ever heard of this term) and get back with me. Several days later, she still has not responded back, and I thought about writing this on Fatwallet Finance to ask for advice but decided to email her one more time. This time, she responds and tells me that she has provided the business office with the copies of my father's explanation of benefits statements and that I should contact her in 30 days to check again on the status. I find this reply absolutely appalling because it implies that she has done nothing in the past month to resolve this issue. In fact, her wording suggests that she only started working on the retroactive authorization process after I emailed her for the status update. The other problem is that my father has already received the hospital bill for one of the claims that the insurance company was not willing to cover. According to the bill, he is responsible for the portion the insurance company did not cover. I'm not entirely familiar on how much time you have to pay a medical bill, but I don't want my father to be stuck with a 6 figure bill that the insurance company would have paid if someone at the hospital had not dropped the ball in the first place. Based on everything that has happened so far, I am very worried that this will eventually happen. What is the best course of action to take here? At this point, I honestly do not think the employees at this hospital will get this straightened out without my constant intervention, and I don't see why it is so difficult for them to accomplish a simple task. I need to get the ball rolling. For those who have had a similar experience:1) Am I speaking with the wrong person? Should I be speaking with another person to get the ball rolling? For example, should I contact the hospital's CEO and request his assistance or is there a specialized department that can help me?
2) I haven't replied to her response yet, and I strongly feel that I need to challenge the financial counselor on why nothing was seemingly accomplished/why the process will take so long when the insurance company itself quotes a much shorter timeframe.
3) Is there a way to delay the hospital bills until the insurance issue has been resolved?Thank you for reading my lengthy post, and I would appreciate any help/advice.
prepping for small claims court - as defendent
Added on : Monday August 05th 2013 11:00:11 AM
g: 2 Posted By: spanky42
Views: 291 Replies: 11 Not sure why I waited until the day before trial to post, but thought I would get this topic out there...other than the usual 'pay your debt, deadbeat' comments, I was looking for a little prep on going to small claims court. I am an amateur house flipper (buy foreclosure and renovate for sale or rent) and hired a contractor to run a remodel foreclosure I had recently purchased. He had done well coming into the middle of my last house (late last year) so we did a gentlemen's agreement (nothing in writing) that he would be the general contractor on this job and I would pay him per hour (hiring piecework is too hard on a foreclosure since you don't know what you are getting into)...basically I agreed $20/hour each for him and two of his workers. Everything was going ok (other than taking too long) for the first month, but eventually he started taking other jobs (when he promised he would be at my house the majority of the time) and then when I questioned why nothing was getting done, he told me that I needed to find a drywaller to finish the drywall along with an electrician and so on and so on...and that I owed him $2700 for time and materials from the last two weeks (I had paid him over $10k up to this point). I went over to the jobsite to find the drywall that his crew hung in terrible condition - walls didn't line up, screws all over the place, etc. Then the ceiling started leaking during a rain storm...I found they hadn't sealed up holes that drilled in a sidewall for blowing in insulation in the attic. I said I wasn't paying until this was fixed. He then came back with how all I did was complain and never got him material and time and it was my job to line up the finishers (I assumed that is what a 'general' does!), so he pulled off the job and left me with a mess. Then I received the court papers saying he was trying to collect what I owed him. So for prepping, I have all of the emails we sent back and forth and I'm bringing in the contractor that followed him as a witness along with pix I had taken (I'm attaching some to this post). I've never seen a bill for his materials, which I will pay if he produces one, but I don't feel I should have to pay labor based on substandard work - but maybe that is not a defense? We have no official agreement, but the emails dictate bills, etc so one could see that I was paying him by the hour. I'm just so tired of contractors coming in until the work gets too hard or they get a better offer and moving on, expecting to be paid up to that point, leaving the homeowner to find someone to come in and follow their crap work. Bascially the drywaller told me he added at least $500 to the cost of his finishing because of all the extra mud he had to use. I had a roof guy come in and fix the leaks for a couple hundred. I'm just not sure what a magistrate will say to his request and what I can do to disprove it. Did he work those hours he billed me for? I have no idea as I wasn't there, but I'm assuming he worked some - just enough to do a terrible drywall hang job.Any legit suggestions? yeah, I know I should get a written agreement, but in this case I don't think it would matter.By the way, I'm in Michigan.
Thanks for the info.
Personal Finance Deals
Capital One sent me an ebill late. System won't allow them now.
Added on : Sunday August 04th 2013 05:00:21 AM
g: -1 Posted By: grex23
Views: 60 Replies: 1 Capital One sent me an ebill one day before the bill was due. I was expecting an ebill but I noticed it didn't come so I paid it but then I get an ebill one day before the bill was due. So I disable then try to reenable ebills but now it says it won't allow them.I spoke to customer service who tells me due to changes that will be made on xyz date, ebills won't be able to be used anymore due to recurring transactions. (This wasn't even a recurring transaction, I got the ebill late).So now I am looking for a new replacement credit card due to Capital One's horrific customer service. When I first got the card, customer service was bad but I stuck with it, had no problems for awhile and now I am having issues again. The 1.5% CashBack and No FOREX is tempting but the service is horrible and just not worth it.
Credit Deals
Auto Loan Residual?
Added on : Monday July 29th 2013 06:00:12 PM
g: 0 Posted By: worldaven
Views: 68 Replies: 0 Hello,I recently applied and was approved for an auto loan for $19,000 at a rate of 1.74% for 60 months. The KBB Trade In Value for the car I'm interested in is $13,630. The lender said I could keep the residual amount, which after taxes, registration and fees would leave me with about $4400 that I could use to pay other bills, maybe invest in a mutual fund. If I took gap insurance from my auto insurance at $22/yr. and my car gets totaled in 60 months they would cover value of the car and any "upside down" balance on my loan.If I don't get any accident in 60 months and put that $4400 in mutual like Capital Appreciation Fund where I have already $6000 invested and current YTD earnings are at 14%, and I could generate maybe another $4000 in 60 months...I have no credit card debt, but a student loan payment of $200 for the next 21 years...Using the auto loan calculators, the interest of for $19,000 loan at 1.74% would be around $750.Is this a good idea, or should I just use the loan for just the car. It seems like with the GAP insurance, it's a safe and smart risk... or am I doing some "fuzzy math"?
Personal Finance Deals
g: 0 Posted By: ecstatica
Views: 89 Replies: 0 LinkClick above to sign up for UT rewards and get a $10 Sammy's Woodfired Pizza gift card. The program gives you bonuses (similar to AMEX sync) when shopping at participating retailers within San Diego county. You link a CC and get bonuses when you shop/eat/etc.Here are the details:
Sammy's Woodfired Pizza & Grill Promotion
Promotional voucher expires on Oct. 31, 2013. Promotional vouchers are limited to the first 30,000 users who signup between July 28th and August 2, 2013. Promotional voucher is only good for and must be redeemed at Sammy's Woodfired Pizza location selected during the registration process. Promotional vouchers will only be issued to users who fully complete the U-T Rewards registration process. Promotional vouchers will be sent to qualifying parties via the registered email address within 7 to 10 days from registration.
Limit one voucher per table.
Must be redeemed at location selected.
For dine-in only.
Not valid toward split checks or bills.
Voucher must be used entirely in one visit.
Not valid toward happy hour pricing, take-out or delivery.
No Cash Back
Tax and tip not included and should be based on full value of meal.
May not be combined with any other offers or discounts
Restaurants & Entertainment Deals
Bankrupt, Renegotiate Rates, Shoot Myself
Added on : Friday July 26th 2013 05:00:05 PM
g: 1 Posted By: didyamissme
Views: 268 Replies: 6 Ok so the last one isn't an option....at least most days.I recently graduated college with dual degrees - unfortunately I did not have the finances to finish them. I had been working three jobs at once during my college career and built up a great credit score for my age. I had access to $40,000 worth of credit cards and used them to pay off my last 18 months of school.- They are eating me alive.I've gotten them to about $32,000 and have nothing left really to keep going. I have asked the cards for help with no avail. I even moved across the US for a higher paying job in an effort to be able to pay them down. I live in a $300 apartment AFTER utilities etc. I'm not sure what else to do. I already work NON stop. When I call the card companies they refuse to help as I am current. Should I throw in the towel and try bankruptcy and ruin my life - considering I work in business management? I'm looking any advice you have. I'm 24 and my degrees are a Bachelors in Business Administration and a Bachelor of Arts in Communication Studies. Thanks KindlyFinancials:
The current Transunion score is 644 as of today.
Annual Income is $26K Was at one point $38k. At my score height it was nearly 800. I just moved from NC to KY to an entirely new company with the hopes of fast track income increase. Interest rates on 12K worth of debt is 9% the rest vary from 12% to 20%. I currently have no other bills. The credit card bills are near $1,000 a month. I only make $1,600 a month now. The oldest accounts date back to 2008. While I have been current on all of my accounts my credit score has fallen dramatically due to the debt to income ratio and credit utilization.
Personal Finance Deals
Buffalo Bills ticket discount - Save $15 to $25
Added on : Wednesday July 24th 2013 05:00:04 PM
g: 0 Posted By: camiolo
Views: 196 Replies: 1 The Buffalo Bills are pleased to offer a discount on tickets.
Please use Promo Code: GPPCX.
All game dates and times are subject to change and are subject to availability
There are no refunds or exchanges.
Save up to $15 per ticket on the following games:

Thursday, 8/29
Detroit Lions
7:00 p.m.

Sunday, 10/13
Cincinnati Bengals
1:00 p.m.

Sunday, 11/17
New York Jets
1:00 p.m.

Sunday, 12/22
Miami Dolphins
1:00 p.m.

Order Link
Special $25 tickets:Sunday, 11/3
Kansas City Chiefs
1:00 p.m.
Order Now!
Order Link
Discounted ticket prices for the following games:

Sunday, 9/15
Carolina Panthers
1:00 p.m.Sunday, 9/29
Baltimore Ravens
1:00 p.m.
Order Link
Restaurants & Entertainment Deals
paying for my newborn's delivery bills through 2 insurance plans
Added on : Thursday July 18th 2013 11:00:08 AM
g: 0 Posted By: nwill002
Views: 82 Replies: 1 Wife has student insurance... PPO with 20% co-insurance fee
I have high deductible plan... I pay 100% of fees up to my deductible which I dont think we will hit with these bills since we had a normal delivery with no complications and left hospital in 24 hours. But my plan also covers 100% of routine/preventive care.Currently we are just using my wife's insurance but I have already added our baby to mine just incase since the premium is so low.Is there a way to have both of our insurances work together to minimize our costs such as have my insurance only be used where it will cover the fee 100% and have my wifes cover everything else?
They mentioned if I have insurance they will use mine as the primary and wifes as secondary since I am older... I'm hesitant to put mine's on the table in fear it would do more harm than good.thanks
Personal Finance Deals
Needing the best Cashback Rewards Card
Added on : Wednesday July 17th 2013 03:00:12 PM
g: 0 Posted By: dlight1
Views: 8 Replies: 0 Long story short... I manage my fathers bills, etc. Currently he owes close to $40,000 and annual gross income with his current job is $25k. Unfortunately, by the end of each month... there is just enough cash to pay the bills and eat. I tried to sign him up for a Chase Credit Card when they offered $100 signup bonus and 1% CashBack in all categories.. but was denied. Is there any Credit Card out there he would qualify for solely to pay bills to gain the 1% CashBack and pay the bill in full each month? Thanks in advance!!!
Credit Deals
MagicalPad - Notes with Paper Inside | $7.99 → FREEMagicalPad is an easy-to-use app that helps you organize everything, save your ideas and improve productivity. Quickly take notes, capture ideas, doodle and manage lists and to-dos. Use it freebuy additional tools from the in-App Store.** Completely Redesigned With Stunning User Interface & Great New Features. **
MagicalPad powerfully integrates note taking, handwriting/drawing, outlining, mind mapping all side-by-side in one page. Using our innovative fluid free-from layout you can create ** connected notes **, attach and annotate photos and drawings.* iTunes top 10 Free Productivity Apps *
AWARDS
PC Magazine - "25 Best Small Business Apps"
CNet - "Intuitive no matter your pursuit"
148apps.com - "Essential iPad app"FEATURES
When you start using MagicalPad, you'll be surprised how easy it is to capture and manage your ideas and notes. Simple yet Magical!** Full-featured Note-taking & Authoring **
Features like advanced styling, outlining, diagrams / mind-maps, text-boxes, photos and drawings are the perfect tools to get the job done quickly and beautifully.** Connected Notes **
Connect your notes handwritings, photos and ideas. Redefining the way you take, organize and view notes. Freely capture and manage content in the page or edit each note or outline item as a stand-alone note, and then close it to see the big picture. Attach multiple photos and drawings to each element. Drag and drop to freely organize any element on the page, zoom in on the details, and zoom out to see the whole story.** Drawing doodling & handwriting **
Create retina handwritten paper notes sketches and diagrams. Draw concepts, write formulas, or quickly jot down a name and phone number. Flexible formatting and retina scale drawing; once youre done put it in context within your page, connect it to other ideas; add notes, photos and more drawings to it. Beautiful Notes with Paper Inside.** Media Insertion **
Enhance your notes by adding pictures from your photo library or from the iPad camera. Insert drawings to compliment your notes, resize, and draw on images to make them perfect. Add notes, attach related drawings and photos and connect to others.** The most versatile All-in-One Productivity App on the App Store **
MagicalPad is the first and only free-form outliner app that marries outlining, mind mapping, note-taking, drawing and media all on the same page. Organize your notes and ideas in dynamically expanding pages and organize your projects in different customizable notebooks.** Multiple Flexible Sharing Options **
Share your meeting notes, class notes, or just your doodles with friends and family. Share via Twitter, Facebook or email. Export multiple file formats to Evernote, dropbox and Google Drive. Import and exchange files with other apps.
Exchanged formats include: PDF, JPEG, RTF, TXT, OPML and MagicalPad (MPX).USES
Here are some ways to use MagicalPad for your personal and professional life:
Take meeting and class notes, draft agendas and research notes
Research smarter: snap photos of whiteboards and books and annotate them.
Organize checklists and to-dos
Innovate faster: draw concepts, connect facts and ideas, outline thoughts, brainstorm and flesh out the details
Plan a trip: keep track of travel plans, plane tickets and packing lists
Create a grocery list or task list and check things off as you go
Prioritize, benchmark and compare shopping options and product features for comparison-shopping purposes
Brainstorm and prioritize options and organize facts using drag/drop
Keep finances in order: save receipts, bills and contracts
Use MagicalPad as part of your GTD system to help you stay organized** MagicalPad will be available for: Mac, iPhone and iPod touch this fall.SUPPORT & FEEDBACK
We appreciate all feedback. Your constant interest and improvement ideas help us grow with you.
support@magicalpad.com or visit www.magicalpad.com/support
Note that all in-app purchases are also FREE for a limited timeTop In-App Purchases▸ Essentials Package (includes everything)Free
▸ Insert PhotosFree
▸ Insert DrawingFree
▸ Mind Mapping and ConnectionsFree
▸ Unlimited Notebooks, Pages, Notes and OutlinesFree
▸ Export and Import via DropboxFree
▸ Share via EmailFree
▸ Export and Import via Google DriveFree
▸ Export (only) to EvernoteFree
Personal Finance-Savings help
Added on : Monday July 15th 2013 01:00:07 PM
Hi im a 23 year old with a job in tax, I make gross 1788 each pay period and im paid semi monthly. After taxes and deferred comp. HSA, ETC. i take home 1235. My monthly expenses including 300 rent to live at home is about $950. This includes my school loans, cell phone, and gym membership. My health expenses are approximately 2500 to 3000 for the year. I want to only use 1 of my semi monthly paychecks to pay for my bills and use the left over money to use for the month for anything else i want to do. Then i want to save my other semi monthly paycheck so every year I will save approximately $14,000. Do you think this is a realistic goal? Or do you think i should maybe save a little bit less like maybe only 800 a month, since I'm so young. Or do you think i should be this aggressive in my savings. There is no real reason why i want to save 14k a year, just to save i guess. plus ive read that almost 76% if americans live pay check to paycheck and i dont want to be one of those people.
Need Help: W2 vs W2 Contract Employee vs 1099 Contractor
Added on : Sunday July 14th 2013 03:00:09 PM
Long time lurker here looking for some advice. I'd rather not say the name of my former employer but it's well known in the health care IT community as a company that burns out employees quickly. I wound up leaving just north of two years in, which is actually very common for this company. My one-year non-compete agreement ends in 6 weeks and I'm able to enter consulting. This is a very striving marketplace and people with my skill set and certifications are in high demand. I should easily be able to pull in $100k on the low end which is nice for a 27 year old. I also have a few years of healthcare management experience and a healthcare related degree, which is rare for someone in my position. Most employees hired by my former employee have non-industry degrees such as art-history and other silly unrelated things. Then the clients get pissed that these employees don't know how a hospital runs. Surprise, surprise.That's all spilled milk and now I'll be able to take my few years of healthcare management experience, related degree, and two years of health IT experience and go into consulting. All of my friends who left and went into consulting got 10 phone calls within the first day of posting a resume. Apparently my former employer is a top keyword search for headhunters.The problem is that most of these consulting opportunities are W2-based. For the average dumbass former employee of my last company (who is in their mid-20s and doesn't know any better), a W2 job at $110k/year plus "amazing benefits" like $30/month gym membership stipend and top-of-the-line health insurance seems great. And for the average dumbass 24 year old, it would be.Obviously if I am 1099, I have to pay my half of SE-Tax that a W2 employer would otherwise pay. However, it's my understanding 1099 positions pay at least that much more to compensate.But I'm 27, have some financial savvy, and know that making $150k as a 1099, contributing the max plus 25% of net income as employer-contribution of an individual 401k, paying for my own HDHP, maxing out an HSA, writing off a second maxed-out phone as "business" while I maintain a prepaid per-minute plan as my personal phone for IRS auditing purposes, and other interesting tricks is significantly superior.To make matters worse, it seems like another large chunk of consulting jobs are W2-Contractor roles, which from my understanding means that I have the worst of both worlds. I can't collect unemployment between gigs and I can't contribute to an Individual 401k.Finally, I'm of the impression that as a W2 based employee, I become salary exempt and when the client needs me to work more than 40 hours a week, I'm screwed - no extra money but my company can bill the client for my extra hours and keep the money themselves. I'd really like as a 1099 if the customer sends me home at the 40 hour mark because I run a few small side businesses that I've stared over the last 11 months of my non-compete period. I can keep them going over 10 to 20 hours per week, so if I keep my consulting gig to 40, then it won't be an issue since I was used to working 80 hours per week at my last employer.I've only just begin my search so I'm sure there's at least a handful of 1099 gigs out there, but so far the first 10 places I found were W2 based. A few places I emailed said they'd consider using me as a 1099, but since I've never worked as one before, I feel like I might get screwed, especially if it's a company that normally doesn't 1099 people. The problem is best defined as: "I don't know what I don't know."I'm hoping the smart minds here can help me figure out what to do. A few issues I have that I don't know the answers to are:a) 1099 vs W2 vs W2 contractor - general thoughts?b) As a 1099, can I require the client to pay me extra for overtime? I know with W2 (non-exempt) work, it's a federal law to pay 1.5x hourly pay >40 hours. With 1099 IC work, I imagine it's not a law, but I can require it in my contract. Along those lines can I hit a second time frame like >60 or >80 hours = 2x pay? With the kind of work I do, it might be a project that the client will want me to work 40 hours per week for a 12 month period and then have me work 90 hours per week for the last 3 or 4 weeks of the project as it finalizes.c) How do travel reimbursements usually work for 1099s? I'm certain with a W2, the company takes care of everything. With a 1099, do I usually have to bill the client directly, or does my "consulting/staffing" company handle that as part of their cut?d) Does the kind of job I'm describing usually involve a non-compete? I'm pretty sure the correct term for the kind of company I'm looking to work for is a "staffing company". It's not a Consulting Firm like the big 4 (e.g. Deloitte) that W2s you, overworks you, bills the client hourly, and sends you different clients every week. With my kind of work, it will be one hospital that wants to hire me on a 6 month contract term (that may be extended at their discretion) to do a certain project role, and this hospital client will want to do a brief interview with me to ensure I'm a good fit. I imagine this interview is less intensive than a regular hiring interview because the hospital is assuming the staffing agency performed full due diligence on me.e) What other questions and considerations should I be making that I might have forgotten?Thanks so much for any help.
AOL - monthly billing to CC
Added on : Saturday July 13th 2013 01:00:06 PM
What?! A question about AOL? Yup, I'm thinking the same thing... My brother and I have been going over my father's bills and have come across a monthly charge on his CC for $17.95 from AOL. This dates back years. After spending an hr on the phone we were able to cancel the monthly billing for something that has been FREE SINCE 2006 and were given a $35 refund. He hasn't been using dial-up or this email account for about 6 years. I want to be refunded as much as possible.Has anyone had any luck with this? Any advice?
I'm just wondering if anyone out there does most of their own medical work. Orders their own tests or imaging from labs directly online. Reads medical manuals for self diagnosis, etc.If so, what are your best resources and advice for doing so?Nowadays there are an increasing number of places where you can order lab tests for yourself. Prices can vary, but in some cases its actually cheaper to just order the test yourself for the small fee no insurance involved, than going to the doctor and having to pay copays and other expenses just for the same test. And for the many people without insurance, they may be able to afford self treatment, vs no treatment because its unaffordable.It would be perfect if there was some sort of medical self repair manual, similar to an auto repair manual, which has a troubleshooting section where you can lookup symptoms, determine possible conditions, and order your own lab tests, imaging, etc and self diagnose. We could eliminate doctors, insurance, and their bills for all but more serious things like surgeries, injuries, or problems at are over our head. Do any manuals like this exist?Afterall, thats all doctors do is make guesses based on symptoms, and review tests. In my experience my guesses have been more accurate than the doctors. And many dishonest doctors are known for biased treatment based on what puts the most money in their pocket, or also prolonging conditions to make more money, etc. Self testing, diagnosis, treatment would solve those problems, and many other problems in the medical bureocracy. Is anyone doing it?
RewardSurvey.com - Free Magazines for Completing Surveys
Added on : Wednesday July 10th 2013 09:00:09 PM
http://www.rewardsurvey.com/I signed up about two months ago and have been filling out surveys since, building up credits.
WSJ was the fastest to arrive, the other magazines like Wired & Inc that I ordered took the usual couple of months to begin delivery.Thus far, no issues, no bills, and works - especially nice to get WSJ free each day =DFast Company
Inc.
Latina
W
Golf Digest
Vogue
Wired
Poder Hispanic
AFAR
Cigar Aficionado
Dwell
Men's Fitness
Self
SHAPE
Wine Spectator
Apologia pro Vita Sua
The Lost Stadivarius
The Last Chron of Barset
Forbes
Siempre Mujer
TV y Novelas
Golfweek
Vanidades
Orley Farm
wall street journal
Armadale
The Way We Live Now
The Economist
wall street journal
228 Issues
$71 Reward Points
The Economist
The Economist
51 Issues
$130 Reward Points
Best Online Bill Pay - BoA, Fidelity, PenFed or ??
Added on : Tuesday July 09th 2013 03:00:09 AM
I searched, but could not find a recent topic on this. I've been with BoA pretty much forever, but their bill pay is annoying me a bit lately. It can't seem to pick up ebills from most of my other banks anymore. I'm also just wondering if there is something better out there.I have a Fidelity account I set up last year with the plan of moving things over, but never got that far. I do keep some money in it so I can use ATMs wherever and have fees reimbursed. I also just completed an auto loan with PenFed, so I now have a relationship with them too.My payments go to Citi, Chase, US Bank, BoA, Discover and AMEX - plus the local water dept, gas, electric. Which of these (or another possibly) would be the best to use to transfer my salary direct deposit to and set up all of my other bills with? I probably keep an average balance in my account of $2000, so interest is not a huge deal - but could not be worse than the one cent a month I average with BoA.
Men's Timberland Field Boots Was: $129.99 BCOOutlet Price: $69.99
Added on : Sunday July 07th 2013 03:00:05 PM
TextTimberland Field Boots Was: $129.99
http://www.bcoutlet.com
Now: $69.991. Select size
First, Select Size 11 W 12 M 13 M 13 W 14 M 15 M
Size Chart
BROWN GREENItem #: 1457-14140-1277 Timberland Field Boots. Origin: Imported.  Waterproof nubuck/leather upper with nylon or leather side insets
Waterproof construction
Padded collar and tongue
Fabric-covered removable orthotic
Rustproof hardware
Rubber lug outsole
free shipping
*Heres how to redeem your promo code:
1. Place one or more eligible items in your Shopping Cart.
2. Type the promo code BC18690 into the Promotion Code Box, then click apply.
3. The Free Standard Shipping and 25% Off your highest priced item will be automatically applied, if eligible*.
4. Continue shopping or begin checkout. *Promo code restrictionsffer ends 11:59PM E.S.T. TUESDAY, 7/09/13. Heavy weight items may incur additional freight costs. 25% OFF discounted item not valid on eBags, Watches, Fragrances, Art, and all items in Special Purchases category. May not be redeemed for cash or combined with other offers. Not applicable to payment of bills or charges. Discount may not be applied to prior purchases, or E-Gift cards. Limited to one offer per customer.
Comparison of banks ebill billpayer software
Added on : Thursday July 04th 2013 05:00:05 PM
Just paying attention now, and miffed I haven't started on this earlier, what are people's experiences with various banks bill payment software on their web sites?I'm googling all over the place and not finding much info.The best information I've found is from a FatWallet post by centrifuge41 here: Link. He says:As much as some FWF users hate Bank of America, I will vouch for the online bill payment. I have a lot of various cards (Discover, AMEX, Citi, Chase, Capital One), and everything works well for me. The credit card issuer sends me an ebill. I can opt to pay: min, amount due, or whatever random amount. Even with AMEX, I can choose to pay in the amount due.

Some banks' billpay schemes are very basic and only allow a fixed amount at a fixed date. Others, like Suntrust, seemed to have very confusing interface. And others, such as ING Electric Orange, are almost as good as Bank of America's system, but just happen to not work with particular providers (I couldn't get Citicard ebills to work with Electric Orange but my power bill worked with no issue, for instance).But that post is from 2011. Is Bank of America still so far ahead of everybody?I'm particularly interesting in Schwab since I just opened an account there for the purposes of using their debit card with no foreign transaction fees, reimbursed ATM fees, etc..
MagicalPad - Notes with Paper Inside | $7.99 → FREEMagicalPad is an easy-to-use app that helps you organize everything, save your ideas and improve productivity. Quickly take notes, capture ideas, doodle and manage lists and to-dos. Use it freebuy additional tools from the in-App Store.** Completely Redesigned With Stunning User Interface & Great New Features. **
MagicalPad powerfully integrates note taking, handwriting/drawing, outlining, mind mapping all side-by-side in one page. Using our innovative fluid free-from layout you can create ** connected notes **, attach and annotate photos and drawings.* iTunes top 10 Free Productivity Apps *
AWARDS
PC Magazine - "25 Best Small Business Apps"
CNet - "Intuitive no matter your pursuit"
148apps.com - "Essential iPad app"FEATURES
When you start using MagicalPad, you'll be surprised how easy it is to capture and manage your ideas and notes. Simple yet Magical!** Full-featured Note-taking & Authoring **
Features like advanced styling, outlining, diagrams / mind-maps, text-boxes, photos and drawings are the perfect tools to get the job done quickly and beautifully.** Connected Notes **
Connect your notes handwritings, photos and ideas. Redefining the way you take, organize and view notes. Freely capture and manage content in the page or edit each note or outline item as a stand-alone note, and then close it to see the big picture. Attach multiple photos and drawings to each element. Drag and drop to freely organize any element on the page, zoom in on the details, and zoom out to see the whole story.** Drawing doodling & handwriting **
Create retina handwritten paper notes sketches and diagrams. Draw concepts, write formulas, or quickly jot down a name and phone number. Flexible formatting and retina scale drawing; once youre done put it in context within your page, connect it to other ideas; add notes, photos and more drawings to it. Beautiful Notes with Paper Inside.** Media Insertion **
Enhance your notes by adding pictures from your photo library or from the iPad camera. Insert drawings to compliment your notes, resize, and draw on images to make them perfect. Add notes, attach related drawings and photos and connect to others.** The most versatile All-in-One Productivity App on the App Store **
MagicalPad is the first and only free-form outliner app that marries outlining, mind mapping, note-taking, drawing and media all on the same page. Organize your notes and ideas in dynamically expanding pages and organize your projects in different customizable notebooks.** Multiple Flexible Sharing Options **
Share your meeting notes, class notes, or just your doodles with friends and family. Share via Twitter, Facebook or email. Export multiple file formats to Evernote, dropbox and Google Drive. Import and exchange files with other apps.
Exchanged formats include: PDF, JPEG, RTF, TXT, OPML and MagicalPad (MPX).USES
Here are some ways to use MagicalPad for your personal and professional life:
Take meeting and class notes, draft agendas and research notes
Research smarter: snap photos of whiteboards and books and annotate them.
Organize checklists and to-dos
Innovate faster: draw concepts, connect facts and ideas, outline thoughts, brainstorm and flesh out the details
Plan a trip: keep track of travel plans, plane tickets and packing lists
Create a grocery list or task list and check things off as you go
Prioritize, benchmark and compare shopping options and product features for comparison-shopping purposes
Brainstorm and prioritize options and organize facts using drag/drop
Keep finances in order: save receipts, bills and contracts
Use MagicalPad as part of your GTD system to help you stay organized** MagicalPad will be available for: Mac, iPhone and iPod touch this fall.SUPPORT & FEEDBACK
We appreciate all feedback. Your constant interest and improvement ideas help us grow with you.
support@magicalpad.com or visit www.magicalpad.com/support
Note that all in-app purchases are also FREE for a limited timeTop In-App Purchases▸ Essentials Package (includes everything)Free
▸ Insert PhotosFree
▸ Insert DrawingFree
▸ Mind Mapping and ConnectionsFree
▸ Unlimited Notebooks, Pages, Notes and OutlinesFree
▸ Export and Import via DropboxFree
▸ Share via EmailFree
▸ Export and Import via Google DriveFree
▸ Export (only) to EvernoteFree
$2299 at Lowes, $1500 on sale at Home Depot, but at AJ Madison, this great $1259 discounted price shows up after you add the item to your shopping cart. I ordered mine on Sunday and it was delivered on Tuesday. The price on Sunday is still valid today, even though the web site claims "sale price ends today."Features:
Accu-Chill Temperature Management System
Provides accurate temperature control with foam-in-place doors and double tub construction in both the refrigerator and freezer compartments.
ENERGY STAR Qualified
Meets government standards to help conserve natural resources and save money on utility bills.
Adaptive Defrost System (ADS)
Monitors the compressor run-time and the on time of the evaporator heater.
Depending upon usage, ADS models can have fewer defrosts, saving energy and preserving food more efficiently.
Tap Touch Electronic Controls
Bring your kitchen to the next level with Tap Touch Controls. The sleek, high-tech touch screen allows you to interact directly with your refrigerator and navigate through its features.
Exterior Ice and Water Dispenser
Provides easy access to chilled, filtered water on the outside of the refrigerator.
PuR 6-Month Water Filtration
Reduces unwanted impurities from household water, giving you filtered ice and water direct from your refrigerator, so you can save up to $600 a year compared to the cost of bottled water.*
*Changing PuR filter twice a year, compared to buying same amount of bottled water.
SpillGuard Glass Shelves
Contains spills and simplifies cleanup, preventing liquids from leaking onto shelves below.
Some models feature shelves that are adjustable and slide out, providing easy access to items stored in the back of the refrigerator.
Humidity-Controlled Crispers
Helps you preserve the freshness of your favorite fruits and vegetables with controlled humidity levels in the clear, extra-deep crisper.
Full-Width Pantry
Easily accommodates wide items like party platters and sheet cakes or preserves large amounts of meat and cheese.
Freezer Light
Illuminates the freezer compartment for easier access to all your frozen items.
More Features
6th Sense Technology
26 Cu. Ft. Capacity
Fast Cool Option
Dispenser Control Lock
Cubed and Crushed Ice Selection
Factory Installed Automatic Ice Maker
Smooth Door Finish (all colors)
TWO STEEL CHOICES:Whirlpool GI6FARXXY Monochromatic Stainless Steel Linky1
25.5 cu. ft. French Door Refrigerator with SpillGuard Glass Shelves, Accu-Chill, Fast Cool, Energy Star Qualified, Tap Touch Controls and External Ice/Water Dispenser: Monochromatic Stainless Steel
Item Price $1,259.00Just had the one below, slightly more expensive with the less-fingerprint-prone finish, delivered to my home right into the kitchen, at the above price, no sales tax in PA, and it was delivered in 48 hours! It's a beauty!

Whirlpool GI6FARXXF Monochromatic Satina Steel Linky2
25.5 cu. ft. French Door Refrigerator with SpillGuard Glass Shelves, Accu-Chill, Fast Cool, Energy Star Qualified, Tap Touch Controls and External Ice/Water Dispenser: Monochromatic Satina Steel
Item Price$1,319.00Their extended warranty prices seem great, too. (I skipped this: I get a 2nd year warranty free with my AMEX Gold Card.) Some retailers charge 3x the fees below, so these seem very fair.
1 Year Extension Warranty for a Single Appliance Under $1,500$49
3 Year Date Of Purchase Warranty for a Single Appliance Under $1,500$89
5 Year Date Of Purchase Warranty for a Single Appliance Under $1,500$159 DON'T forget your 2.5% FWCB here http://www.fullofdeals.com/AJ-Madison-coupons/
new member, 23 intern and trying to figure it out.
Added on : Tuesday July 02nd 2013 01:00:07 PM
Hello guys, I am a new member, love the site already. I have read through a lot of articles and really gained some good stuff. Trying to figure out the best moves to make: I am 23 and intern for a large company with a lot of room to expand.
I just began there and am also doing my MBA.
I have 0 debt at the moment (as I get older, thats going to change big time).
I have 8k liquid, but owe my parents 8k (my dad tells me to take my time and not to worry, obviously I will pay back but with 0 interest and no date- I'll take my time)
I have been paying my MBA out of pocket.
Monthly I take home around $2,500 after state and federal taxes.
I spend $250 on bills and about $600-700 on credit card monthly for gas and food and other stuff. The rest is towards savings. so that leaves me generally around $1,300 savings a month.
I have probably around 1,500 in roth IRA and need to expand on that (company doesn't offer since I am an intern). What would you reccomend here? I can play around some myself, but trust other people more.
I live at home (before you rip on me- I hate rent and why would I pay when ultimately I want to buy). I can't afford that yet and I love it at home and help out at home as well. Houses I would be interested in are probably around 150k.
I have a girlfriend of five years so I am sure somewhere down the line (far hopefully) I will have those new expenses.
How much should I put in to a retirement/savings/etc per month (stupid to leave it in a bank account).
Also, my current credit card I think is horrible I spend on average 5-600$ a month and pay it in full but only get about $55 in rewards yearly. I have had this card since I was 17 or 18One concern is I want a new car, and I have thought about financing it. That way I can gain credit and also take advantage of low rates (I wouldn't spend more than 15). Cars are my absolute passion and I love to drive and do it a lot. I am looking for something more accomodating in the winter and to take it easy on my current car. The problem is I plan to have two (will also save $150 a month in gas and insurance by lowering my current car down to pleasure driving. I own my car (worth around 15k). I know money people would find it stupid, but what do you reccomend?
Can you please direct me, I want to take advantage of my situation while I am in it. Since we know that will all change soon.
$2299 at Lowes, $1500 on sale at Home Depot, but at AJ Madison, this great $1259 discounted price shows up after you add the item to your shopping cart. I ordered mine on Sunday and it was delivered on Tuesday. The price on Sunday is still valid today, even though the web site claims "sale price ends today."Features:
Accu-Chill Temperature Management System
Provides accurate temperature control with foam-in-place doors and double tub construction in both the refrigerator and freezer compartments.
ENERGY STAR Qualified
Meets government standards to help conserve natural resources and save money on utility bills.
Adaptive Defrost System (ADS)
Monitors the compressor run-time and the on time of the evaporator heater.
Depending upon usage, ADS models can have fewer defrosts, saving energy and preserving food more efficiently.
Tap Touch Electronic Controls
Bring your kitchen to the next level with Tap Touch Controls. The sleek, high-tech touch screen allows you to interact directly with your refrigerator and navigate through its features.
Exterior Ice and Water Dispenser
Provides easy access to chilled, filtered water on the outside of the refrigerator.
PuR 6-Month Water Filtration
Reduces unwanted impurities from household water, giving you filtered ice and water direct from your refrigerator, so you can save up to $600 a year compared to the cost of bottled water.*
*Changing PuR filter twice a year, compared to buying same amount of bottled water.
SpillGuard Glass Shelves
Contains spills and simplifies cleanup, preventing liquids from leaking onto shelves below.
Some models feature shelves that are adjustable and slide out, providing easy access to items stored in the back of the refrigerator.
Humidity-Controlled Crispers
Helps you preserve the freshness of your favorite fruits and vegetables with controlled humidity levels in the clear, extra-deep crisper.
Full-Width Pantry
Easily accommodates wide items like party platters and sheet cakes or preserves large amounts of meat and cheese.
Freezer Light
Illuminates the freezer compartment for easier access to all your frozen items.
More Features
6th Sense Technology
26 Cu. Ft. Capacity
Fast Cool Option
Dispenser Control Lock
Cubed and Crushed Ice Selection
Factory Installed Automatic Ice Maker
Smooth Door Finish (all colors)
TWO STEEL CHOICES:Whirlpool GI6FARXXY Monochromatic Stainless Steel Linky1
25.5 cu. ft. French Door Refrigerator with SpillGuard Glass Shelves, Accu-Chill, Fast Cool, Energy Star Qualified, Tap Touch Controls and External Ice/Water Dispenser: Monochromatic Stainless Steel
Item Price $1,259.00Just had the one below, slightly more expensive with the less-fingerprint-prone finish, delivered to my home right into the kitchen, at the above price, no sales tax in PA, and it was delivered in 48 hours! It's a beauty!

Whirlpool GI6FARXXF Monochromatic Satina Steel Linky2
25.5 cu. ft. French Door Refrigerator with SpillGuard Glass Shelves, Accu-Chill, Fast Cool, Energy Star Qualified, Tap Touch Controls and External Ice/Water Dispenser: Monochromatic Satina Steel
Item Price$1,319.00Their extended warranty prices seem great, too. (I skipped this: I get a 2nd year warranty free with my AMEX Gold Card.) Some retailers charge 3x the fees below, so these seem very fair.
1 Year Extension Warranty for a Single Appliance Under $1,500$49
3 Year Date Of Purchase Warranty for a Single Appliance Under $1,500$89
5 Year Date Of Purchase Warranty for a Single Appliance Under $1,500$159 DON'T forget your 2.5% FWCB here http://www.fullofdeals.com/AJ-Madison-coupons/
Ask for help. Messed up SSN means free cell phone service or what?
Added on : Monday July 01st 2013 08:00:12 AM
UPDATE: I just updated the title of this post, because the old title was probably misleading and caused some "Pure deal searcher in the Finance forum" to vote down my post. Hope this new title is clear enough to keep those people away. Thanks!
Do I get free cell phone service, if they messed up my SSN?My cell phone service carrier (AT&T) messed up my SSN and could not associate my SSN with any account. All they have is my phone number, name, date of birth, and address. And probably my credit card info if their automatic system keep a copy of that when I paid over the phone. My goal is to get out of the service. But they "can not do anything about my account" because they "can not log into my account with my SSN". I have spent hours and hours with their customer service by phone and by emails, and have run to the local store multiple times showing my picture ID. But none of them have resolved anything. The local store and customer service are pushing me around into an endless cycle.

If I just stop paying the bills, what will happen? They do not have my SSN so they cannot affect my credit score even if they send me to collection.They probably will eventually disconnect my service, but that is my goal. If this will automatically unlock my phone then I got everything I wanted. Otherwise the only downside is that my phone is still locked with them. Do you guys know where I can get my iphone unlocked other than the original service carrier?Also, would a letter be enough to serve as a waiver of responsibility if I state that I intend to stop the service and would not make any more payments? Any insights and suggestions will be highly appreciated!
iPad only - MagicalPad - Notes with Paper Inside | $7.99 → FREE
Added on : Monday July 01st 2013 07:00:08 AM
MagicalPad - Notes with Paper Inside | $7.99 → FREEMagicalPad is an easy-to-use app that helps you organize everything, save your ideas and improve productivity. Quickly take notes, capture ideas, doodle and manage lists and to-dos. Use it freebuy additional tools from the in-App Store.** Completely Redesigned With Stunning User Interface & Great New Features. **
MagicalPad powerfully integrates note taking, handwriting/drawing, outlining, mind mapping all side-by-side in one page. Using our innovative fluid free-from layout you can create ** connected notes **, attach and annotate photos and drawings.* iTunes top 10 Free Productivity Apps *
AWARDS
PC Magazine - "25 Best Small Business Apps"
CNet - "Intuitive no matter your pursuit"
148apps.com - "Essential iPad app"FEATURES
When you start using MagicalPad, you'll be surprised how easy it is to capture and manage your ideas and notes. Simple yet Magical!** Full-featured Note-taking & Authoring **
Features like advanced styling, outlining, diagrams / mind-maps, text-boxes, photos and drawings are the perfect tools to get the job done quickly and beautifully.** Connected Notes **
Connect your notes handwritings, photos and ideas. Redefining the way you take, organize and view notes. Freely capture and manage content in the page or edit each note or outline item as a stand-alone note, and then close it to see the big picture. Attach multiple photos and drawings to each element. Drag and drop to freely organize any element on the page, zoom in on the details, and zoom out to see the whole story.** Drawing doodling & handwriting **
Create retina handwritten paper notes sketches and diagrams. Draw concepts, write formulas, or quickly jot down a name and phone number. Flexible formatting and retina scale drawing; once youre done put it in context within your page, connect it to other ideas; add notes, photos and more drawings to it. Beautiful Notes with Paper Inside.** Media Insertion **
Enhance your notes by adding pictures from your photo library or from the iPad camera. Insert drawings to compliment your notes, resize, and draw on images to make them perfect. Add notes, attach related drawings and photos and connect to others.** The most versatile All-in-One Productivity App on the App Store **
MagicalPad is the first and only free-form outliner app that marries outlining, mind mapping, note-taking, drawing and media all on the same page. Organize your notes and ideas in dynamically expanding pages and organize your projects in different customizable notebooks.** Multiple Flexible Sharing Options **
Share your meeting notes, class notes, or just your doodles with friends and family. Share via Twitter, Facebook or email. Export multiple file formats to Evernote, dropbox and Google Drive. Import and exchange files with other apps.
Exchanged formats include: PDF, JPEG, RTF, TXT, OPML and MagicalPad (MPX).USES
Here are some ways to use MagicalPad for your personal and professional life:
Take meeting and class notes, draft agendas and research notes
Research smarter: snap photos of whiteboards and books and annotate them.
Organize checklists and to-dos
Innovate faster: draw concepts, connect facts and ideas, outline thoughts, brainstorm and flesh out the details
Plan a trip: keep track of travel plans, plane tickets and packing lists
Create a grocery list or task list and check things off as you go
Prioritize, benchmark and compare shopping options and product features for comparison-shopping purposes
Brainstorm and prioritize options and organize facts using drag/drop
Keep finances in order: save receipts, bills and contracts
Use MagicalPad as part of your GTD system to help you stay organized** MagicalPad will be available for: Mac, iPhone and iPod touch this fall.SUPPORT & FEEDBACK
We appreciate all feedback. Your constant interest and improvement ideas help us grow with you.
support@magicalpad.com or visit www.magicalpad.com/support
Note that all in-app purchases are also FREE for a limited timeTop In-App Purchases▸ Essentials Package (includes everything)Free
▸ Insert PhotosFree
▸ Insert DrawingFree
▸ Mind Mapping and ConnectionsFree
▸ Unlimited Notebooks, Pages, Notes and OutlinesFree
▸ Export and Import via DropboxFree
▸ Share via EmailFree
▸ Export and Import via Google DriveFree
▸ Export (only) to EvernoteFree
Late Wells Fargo Mortgage Payment
Added on : Saturday June 29th 2013 09:00:07 PM
I searched for late payment information regarding mortgages and nothing closely related showed up, just credit card stuff. Aside from the "pay your bills deadbeat" posts which I probably deserve, I'm definitely not a deadbeat. I have my 6 month savings and the rest of my finance in very healthy condition.I thought my Wells Fargo mortgage payment was on autopay and it wasn't. My credit is sparkling and I've been current for the life of this account, almost 3 years. This is definitely my fault. My account had a red notice at the top that said 29 days late. I immediately paid tonight but it won't be assessed til tomorrow, which will post on the 30 day delinquency date(this seems to be the big date of delinquency for when it gets serious).I see a late payment fee posted for $42, I don't care cause it's my fault. My concern is my credit score, I will be showing the house very soon(next week) and will be selling. I will be renting closer to work because my commute is killing me. Now I'm worried that my credit will get me rejected from renting apartments. I don't know my credit score but it should be upper 700's at the least. I see people talking about an immediate 100 point hit, ouch. I plan on calling WF on monday when the mortgage department opens to get details. Below is a recent thread I made regarding selling vs landlord, not important but it gives some numbers on my loan balance and likely listing price.Should I be concerned? Is there anything I should do to help this situation? I appreciate the help from the FWF community over the years and ask for your help/advice again.http://www.fullofdeals.com/forums/finance/1274855/
Free cell phone service for ever or what?
Added on : Saturday June 29th 2013 11:00:06 AM
Do I get free cell phone service, if they do not have my SSN?My cell phone service carrier (AT&T) messed up my SSN and could not associate my SSN with any account. All they have is my phone number, name, date of birth, and address. And probably my credit card info if their automatic system keep a copy of that when I paid over the phone. My goal is to get out of the service. But they "can not do anything about my account" because they "can not associate my SSN with any account". I have spent hours and hours with their customer service by phone and by emails, and have run to the local store multiple times showing my picture ID. But none of them have resolved anything. The local store and customer service are pushing me around into an endless cycle.

If I just stop paying the bills, what will happen? They do not have my SSN so they cannot affect my credit score even if they send me to collection.They probably will eventually disconnect my service, but that is my goal. If this will automatically unlock my phone then I got everything I wanted. Otherwise the only downside is that my phone is still locked with them. Do you guys know where I can get my iphone unlocked other than the original service carrier?Also, would a letter be enough to serve as a waiver of my responsibility if I state that I intend to stop the service and would not make any more payments? Any insights and suggestions will be highly appreciated!
Young guy trying to make more $$$
Added on : Friday June 28th 2013 06:00:09 AM
So many people go post their current life situation looking for advice. I figure why not give it a go, maybe I'll learn something.I'm 23 turning 24 in September. Work for a University with a salary of $47,000 a year in NJ. (Please note I do not seem myself staying at this position for more than 1-2 more years)$0 School Debt
$470 Car payments (20 out of 36months left 1.9%apr), But Im paying $600 a month to pay it off quicker.
$0 Rent, Living at home with mom to take care of my grandmother. Very small family, just us three. Probably will move once my grandmother is gone or get new job.
$500-$1000 Splurging and necessities [Bills and Credit Cards]. Paid off every month. (never late)6.64% of salary To Pension Plan
5% of salary to 457 plan (Aggressive investments 1/2 roth, 1/2 regular) **Just Started**
$7500 currently in Stocks (I hate appl, down 30% -___-)
$38k in savings account
$3k Liquid in handPack my own lunches, but will spend on average ~20$ a week on eating out. Spend very little during the workweek but dont mind spending some money at the bars weekends (come on, Im young and trying to enjoy life). No GF at this time, which is a clear money saver. But overall only netting $900-1200 cash to my pocket a month from work. I have a solid "job" but the pay has very little room to grow in terms of salary [state cap]. Although the benefits are really solid, 2013 I had 12vaca 12sick and 11comp days(its between my boss and me). I went to Hawaii for a week just for a relaxing vacation and still have 18 days of pto. I would like to earn more money, but I know I need to expand my skill set.I am not that savvy when it comes to financial investments. I know the only way to learn is to keep reading and stay up to date. Other than investing in the "market", I really want to find other investments where I will be able to exponentially grow my money. My friend and I were jokingly talking about opening up a business (coffee shop) once/if marijuana becomes legal for recreational use. It is clearly a new market with a lot of potential for profit. Any advice would be useful. Thanks!
LINK"The-top-of-the-line Mohu Leaf delivers the most popular shows and more on network television for FREE in full 1080p HD. These stations include Fox, PBS, ABC, CBS and NBC, with each network having its own digital sub-channels for maximum content.With the Mohu Leaf you no longer have to pay high monthly cable or satellite bills to enjoy your favorite shows. The Leaf can pull in all of your local news, weather, sitcoms, kids and sports programming with NO monthly contract or bills. The Mohu Leaf is the top choice for cord-cutters everywhere."What local channels can you expect to get? YMMV, but this address-specific guide from the FCC should give you a pretty good idea:FCCNOTE: These are refurbished and/or repackaged antennaes which may have minor cosmetic flaws, missing manual and the like. They are still guaranteed and returnable. For $16, I'll take the chance so I can keep my local PBS affiliate along with $8 Netflix and save around $75 a month. Quantities are limited.
Amazon Coupons
Converting Amex Blue CC to Amex Blue Cash
Added on : Wednesday June 19th 2013 05:00:04 AM
I have a AMEX Blue CC for the past 10 years or so. I only use it for a couple of recurring bills. I maxed out my Cash Back on my main CC, so I am thinking about getting a AMEX Blue Cash CC. Is it possible to convert my a Blue card to Blue Cash? Does it keep my history or would this count as getting a new CC? Any tips/suggestions appreciated. Thanks.
Portfolio suggestions
Added on : Saturday June 15th 2013 06:00:06 AM
Portfolio:Simple IRA annuity: 32k w/North west mutual
Yrly Contrib: $4,200 (not maxed)
company match 3%
class B shares : 1.25% - 1.5% expense ratio?
surrender fees : 6% first 3 years, 1% every year after, currently at 3%..Roth IRA: 9k Northwest mutual but says American funds
yrly cont: $3,000 (not maxed)
Class A shares @ 5.75% front load : .78 exp ratioCurrently:
10% of salary is put into Simple IRA
10% of salary is put into Roth
Rest in savings but varies constantly after bills.________________________________Want to change portfolio to:Keep simple annuity at 3% to get company match
Take the rest I normally contribute and open a Traditional IRA w/ Fidelity or Vanguard and manage it myself. (no loads, low exp ratios)
Start Roth w/ vanguard into 80/20 split w/ 30% of stocks in international.
Questions:1.) Do I leave the the 32k in the annuity or roll lets say 30k out to form a Traditional IRA to Fidelity or vanguard, and only make my company match from here out in the annuity at 3%? OR keep the whole 32k in the annuity and take 3k cash and open a Traditional IRA and put the rest of the funds after company match that normally went into the annuity into this from here on out.2.) Should I roll the Loaded Roth IRA (9k),over to vanguard and open 3 investments since min is 3k each 50% Total stock market VTSMX 50% exp ratio .18
30% Total Bond market VBMFX 20% exp ratio .22
20% VG total Internaat VGtsx 30% exp ratio .223.) Say I do the min 3% into annuity, open Trad. IRA and roll over the roth to vanguard. Should I start maxing out the Trad. IRA and put less in the roth or keep it the way its been. I guess it boils down to what tax bracket I think I will be in the future?4.) If I opened a traditional IRA and Roth ira w/ vanguard wouldnt it be dumb to have the same investmensts in each? Im thinking go with Fidelity for the traditional and pick different funds then I would then vanguard for more diversification.Im thinking for Trad, IRA with Fidelity maybe: With same 80/20 split
FSTMX: spartan total fund index .10% exp rat
FSIIX: spartan internationl index .20%
FBIDX: spartan us bond index .22%Im tired of being bent over from advisors in the form of high fees, time for a more hands on approach.Thanks again for any advise!!
Obi100 $35.69 shipped from Amazon
Added on : Monday June 10th 2013 06:00:04 PM
This is the lowest price I've seen for the Obi100. I just now ordered this for a second free home phone service, the first one worked so well.Better hurry as Amazon prices changes like the weather.LinkyFREE Calling with Your Home PhoneUse your existing home phone and your broadband router to make and receive calls over the Internet for free (or at a very low-cost).  Why You Will Love the OBi
Save Money
Use FREE and low-cost VoIP services to lower your phone bills... Maybe to NOTHING!
Pay Only for the Device It's Not Locked to a Service!
You can add VoIP services to make & receive phone calls to and from regular numbers. In addition, OBi to OBi calls are FREE.
Computer Not Required
All you need is your existing home phone and broadband router.
Fantastic Voice Clarity
Talk with your family and friends anywhere in the world, from the comfort of your home telephone.
Amazon Coupons
New Arrivals: Rebecca Minkoff - Sylvie Small Zip Wallet with Studs
Added on : Friday June 07th 2013 09:00:11 AM
Zip it up! All the luxury and rock-inspired detail of a Rebecca Minkoff handbag, designed to stash your bills in compact style.
Hello everyone! I'm looking for some advice and guidance on a variety of issues. I'll try to make a long story short:I live in the state of Tennessee. I have a BS and an MBA. I lost my job in January and filed for unemployment. In March, the employer appealed my unemployment benefits stating that missing quota was considered "misconduct" and therefore disqualifies me from receiving benefits. In April, I attended a telephone hearing with the unemployment agency and surprisingly, the state went in favor of the employer, revoking my unemployment benefits and stating that I owe back everything I had recived up until that point. I've appealed to the next level without legal representation (due to cost) and am still awaiting a decision (should find out something on June 14).In the meantime, I purchased a private health insurance policy through Humana with a high deductible because I am a 29 year old healthy individual. I wanted something for a catastrophic event...and right on par with my luck, I had a case of "food poisoning" in February. My insurance did not take effect until March 1 so I went to Walgreen's Take Care Clinic instead of the ER. I had to pay 100% out of pocket for everything including Zofran and Promethazine. In the middle of April, I had the exact same sickness take over, uncontrollable vomiting for hours, abdominal pain on the right side. I went to the ER and was told I need to see a Gastro doc for a potentially bad gallbladder. Of course, I ended up with bills totaling almost $2,000 that I'm working on paying. Last week, I saw the gastro who ordered several tests that I'm having in the morning (HIDA scan and upper GI series). The hospital called today to get paperwork started and warned me of the cost because of my high deductible insurance plan. I should expect well over $1,000 for tomorrow's tests and at this point I don't know what to expect of the outcome, surgery, medication, dietary changes, etc. Whatever it is, I'm sure it'll cost a small fortune.Lastly, I am starting law school this fall. Thankfully, I've received a 75% academic scholarship but still will owe about $7,500 per year. As I'm sure you know, Stafford Loans (6.8% interest accruing while enrolled) and Grad Plus loans (7.9% interest) are ridiculous. I am a homeowner and have thought about a home equity or personal loan instead. I would love to just pay cash but I'm slowly running out of money at the rate I'm going with health issues. In order to receive the scholarship, I have to sign a waiver that I will not be employed within the 1st year of school and a maximum of 20 hours for the 2nd and 3rd year. So I also have to be concered about living expenses with no income for over 12 months.If anybody has any recommendations on how to handle any or all of these issues, I would greatly appreciate the advice!
Easiest way to audit credit card bills? Web sites? Mobile apps?
Added on : Sunday June 02nd 2013 03:00:05 AM
Every time I pay with a credit card, I shove the receipt in my wallet. I never check these receipts. I just shove them in my wallet. Even if it's at a place where they ask if I want a receipt or not, I say yes I want a receipt. Not because I plan on checking it. Just because I don't want the cashier knowing I don't check them. (That knowledge could encourage him to try to steal from me.)All I'm doing now is every month I pay my credit card and I read down the transactions on the bill. If it looks weird, I look into it. Every few months the receipts stack up too high and make my wallet too thick, so I pull them up, fool around with tearing them in half for awhile, then toss them out.But if I had an app on my phone that tapped into my credit card account, when I'm waiting for food at a restaurant or whatever, I could pull the receipts out of my wallet, and check them off one-by-one. And throw away the receipts then.There are lots of apps that tap into credit card accounts: Pageonce, mint, etc.. But to really effectively audit these, I'd need to be able to "check off" each transaction. E.g., every time I verify that I really charged something, in the app I put a check mark next to that transaction and next time I open that app, I can see that check mark.I use mint and I know that app and web site doesn't do it. I've looked into Pageonce, and it doesn't do it either.Has anyone looked in Yodlee. Does it do it?Any other ways to easily audit your credit card bills?
Nettalk Duo at Walmart - $41.08
Added on : Thursday May 23rd 2013 11:00:07 AM
Free calling to the US & Canada or Duo to Duo
No computer needed / No contracts / No monthly bills
First year of service is included; $29.95 for each additional year Cheapest I could find at the moment. Got one from 1SaleADay.com (refurb) for less last year and it works great. But this is now.Less than $3.50 a month initially and $2.50 a month on renewal. Good deal.Nettalk Duo
Walmart Coupons
LINKEmpowers You to Save Hundreds on Electric Bills
Electricity bills are rising. Now you can cut down on costs and find out what appliances are actually worth keeping plugged in. Simply connect these appliances to the Kill A Watt, and it will assess how efficient they really are. The large LCD display counts consumption by the kilowatt-hour, the same as your local utility. You can calculate your electrical expenses by the day, week, month, even an entire year. Also check the quality of your power by monitoring voltage, line frequency, and power factor. Now you will know if it is time for a new refrigerator or if that old air conditioner is still saving you money. Kill A Watt can help you reduce your power bill and will help find power-wasting appliances so you are able to decide whether it is worth keeping them plugged in. For standard 115 VAC appliances only, 15 amps maximum, 125 VAC maximum.
Find Out How Much Electricity You're Using

Large LCD display counts consumption by the kilowatt-hour
The U.S Department of Energy reports that 20% of our electric bills come from items that are left plugged in when they are not in use, or items that are in standby mode. With the Kill A Watt P4400 we can monitor the energy eaters in our homes and cut down our electric bills at the same time. Plug whatever item you want into the device and it will tell you the efficiency of that item by displaying the kilowatt per hour. This device will help you determine which items are costing you the most to run. The Kill A Watt also calculates voltage, line frequency, current, and power factor. You can calculate your electric bill before you even receive it from the electric company.
Amazon Coupons
LINKEmpowers You to Save Hundreds on Electric Bills
Electricity bills are rising. Now you can cut down on costs and find out what appliances are actually worth keeping plugged in. Simply connect these appliances to the Kill A Watt, and it will assess how efficient they really are. The large LCD display counts consumption by the kilowatt-hour, the same as your local utility. You can calculate your electrical expenses by the day, week, month, even an entire year. Also check the quality of your power by monitoring voltage, line frequency, and power factor. Now you will know if it is time for a new refrigerator or if that old air conditioner is still saving you money. Kill A Watt can help you reduce your power bill and will help find power-wasting appliances so you are able to decide whether it is worth keeping them plugged in. For standard 115 VAC appliances only, 15 amps maximum, 125 VAC maximum.
Find Out How Much Electricity You're Using

Large LCD display counts consumption by the kilowatt-hour
The U.S Department of Energy reports that 20% of our electric bills come from items that are left plugged in when they are not in use, or items that are in standby mode. With the Kill A Watt P4400 we can monitor the energy eaters in our homes and cut down our electric bills at the same time. Plug whatever item you want into the device and it will tell you the efficiency of that item by displaying the kilowatt per hour. This device will help you determine which items are costing you the most to run. The Kill A Watt also calculates voltage, line frequency, current, and power factor. You can calculate your electric bill before you even receive it from the electric company.
Amazon Coupons
*EDIT resolved* Classified as a solar customer when you aren't..
Added on : Thursday May 16th 2013 08:00:09 AM
I'm TRYING to pay my bills instead of being a deadbeat, i really am which is why i want to resolve this.Summary should be enough, no reason for a story. Signed up for energy savers program 8/12
A/C and Furnace exploded, replace + $800 rebate 12/12
CPS came and removed energy saver devices
- rebate shows up as credit with CPS 2/13
Since that day i have had my electric/gas bills averaging %20 what they were being taken out of credit
Called 3 times, emailed a few times..
Call 1 2/13 - rep says no problems just low power bill, be happy
Call 2 3/10 - rep says we haven't read meter in months, apologizes and promises it'll be done
Call 3 4/10 - rep says meter reads are now happening and there are no discrepencies
looked at my bill today - meter reads occur but they are giving me a credit for any energy I'm using.
CALL AGAIN!?
I'm waiting for the other shoe to drop here and for CPS to admit to some mistake and back bill me. Note that my gas bill and "city service charge" are coming out of my credit, so this is seemingly unrelated.
Electric company billing issues - How to approach
Added on : Thursday May 16th 2013 07:00:06 AM
I'm TRYING to pay my bills instead of being a deadbeat, i really am which is why i want to resolve this.Summary should be enough, no reason for a story. Signed up for energy savers program 8/12
A/C and Furnace exploded, replace + $800 rebate 12/12
CPS came and removed energy saver devices
- rebate shows up as credit with CPS 2/13
Since that day i have had my electric/gas bills averaging %20 what they were being taken out of credit
Called 3 times, emailed a few times..
Call 1 2/13 - rep says no problems just low power bill, be happy
Call 2 3/10 - rep says we haven't read meter in months, apologizes and promises it'll be done
Call 3 4/10 - rep says meter reads are now happening and there are no discrepencies
looked at my bill today - meter reads occur but they are giving me a credit for any energy I'm using.
CALL AGAIN!?
I'm waiting for the other shoe to drop here and for CPS to admit to some mistake and back bill me. Note that my gas bill and "city service charge" are coming out of my credit, so this is seemingly unrelated.
Backdoor Roth boo-boo?
Added on : Tuesday May 14th 2013 11:00:10 AM
This is my only FW account and I admit to being a FWF failure!In 2011 I read about the "backdoor roth ira conversion" similar to this recent article: http://www.marketwatch.com/story/backdoor-roth-ira-conversion-ta... due to my income not letting me do a roth directlySo in 2011, I invested $5,000 or $5,500 over 5-6 months with after tax non-deductible dollars. I failed to read the part about investing it all up front and immediately converting 100% of it. Mistake #1. So by the time I did convert the traditional IRA to a Roth IRA in 2011, it had grown to $7,805.When I got my tax forms, it said I took a distribution of $7,805 as income. Mistake #2 - "this can't be right, going to ignore this" I figured since I never put this money in my bank, they got it wrong. Mistake #3 - I failed to even realize I should at least owe taxes on the gains I had. ("ya right pay your bills deadbeat" blah blah blah)Fast forward to today, IRS sent me a letter saying my reported income does not match what they have, and I owe taxes on $7,805.Obviously I owe taxes, my question is do I owe taxes on the full amount or just the gains I had on my initial after tax non-deductible dollars I invested?
I manage several properties across various counties in California as well as other states. I have seen that some utilities claim that they have agreements with the city that if the tenant has any unpaid utilities, those delinquencies can either be rolled into the following year's tax assessment for the landlord or a lien can be placed on the property for the unpaid utilities. Obviously for small landlords like myself, I do not wish to act as the middleman between my tenant and their utility services to ensure they are paid on time. Would like to know what other landlords in my position have done about these unpaid utility bills that have threaten to either record a lien against a property or to be tacked onto the tax bill? Or perhaps strategies for preventing these types of scenarios. I've paid about $350 of such utilities this year from previous tenants so would appreciate some advice.--As much security deposit as I would like to collect, landlords in many areas do not have the right to turn off a tenant's utilities even when they're delinquent on the rent (despite that landlord will be the one holding the bag in the end)--Going after tenants that have long moved out / evicted / disappeared is usually not worth the filing fees of a small claims, plus it's like bleeding blood from a rock.Options:1. Paid the utility and move on.2. Contest with the utility to prove their "right" to tack the charges to a tax bill or place a lien on the property.3. Would putting the properties under a land holding trust protect against these types of encumbrance?
Point me in the right direction!!
Added on : Monday May 13th 2013 05:00:08 PM
So I'm looking for some advice from people that know more about finances than myself because given my situation I know nothing. I'm 30 years old and recently filed for chapter 7. Hopefully in 6 weeks I'll have a full discharge and at that time I'll have 0 debt. I own a 5 year old car fully paid off. I rent a house with roomates. For retirement I have a company profit share that gives me about 4k per year put into a vanguard account. since my 341 hearing I started a savings account putting 10% of my paychecks in every week. Basically I'm interested in hearing what people would recommend I do with my money.
My monthly bills total about. 1400$ which includes monthly bills, food, gas. I take home anywhere from 2200-3000 per month based on overtime worked. so 800 to 1600 extra money. I'm single, no kids. What would ya'll do with a fresh start!?!?
Would like advice on my personal finances.
Added on : Tuesday May 07th 2013 07:01:39 PM
Hello. I'm new here, except that I've been getting the FW Deals email for about a year now. Browsing the forums I noticed someone who had a thread like mine, so I was hoping to get some advice for myself. I had a bankruptcy when I was 20 that kind of haunted me for a long time. Always been terrible about paying my bills on time and so my credit is awful. When we got married she had New credit... not really good or bad. But it has gone down hill over the last several years. The house is in both our names and we have made many late payments and our credit took a hit each time.She's has been with the same company since she got out of college and has a really nice job that offers pretty much unlimited OT opportunities. She always gets 15 hrs OT every week. We have insurance through her company. They offer 401k but she has not activated it yet.I have a new job (less then 3 months) that pays well. No insurance offered. No 401k offered.
Married: YES
Ages: Early 30s.
My Education: HS
Her Education: BoFA
Children: Two (5 and 7 years old)
Job: Both Employed FT
My Take Home: $1,600 (Bi-weekly)
Her Take Home: $1,300 (Bi-weekly, Amount includes 15 hours OT she generates every two weeks, this is guaranteed and does not fluctuate)
Combined Take Home: $5800/mo
Region: Southeast
My 401k: $5,300 (I no longer work at the company where this 401k was started, and no longer contribute to it but I still get quarterly statements.)
Her 401k: $0 (Have not initiated her 401k yet... but her company will match 3% and contribute up to 6%)
Savings: $0
NO OTHER ACCOUNTS OF ANY KINDExpenses
My mortgage was an 80/20 split. Recently Wells Fargo admitted to fraud and I was part of a class action settlement that netted me $300. My interest rates are 7% on each loan. House is small 2 bedroom, 1 bath, 1100sq/ft. I feel like I was ripped off when I bought this house. It had major problems with the roof, the plumbing, etc. It was a rental before I bought it and man was it dirty! But I loved the neighborhood and the house has charm. Still, I feel like a sucker for paying so much monthly on this small house. I know I am not getting any bang for my buck here. Outstanding balance on house is: $75,000
Mortgage #1: $735/mo
Mortgage #2: 135/mo
Electric: $200/mo
Cellular: $187/mo
Auto Insurance: $75/mo (Currently we have 1 vehicle)
Fuel Expenses: $240/mo or $60/wk, sometimes more if go "for a drive".
Groceries: $600/month
Satellite TV: $225/mo. (We just upgraded to premium service for HBO... Game of Thrones is back on!!)
Internet: $70/mo
Netflix: $8/mo
Child School Lunch Program: $30/mo
Other Expenses: $45/mo
Her Student Loan: $150/mo. (Owe $12,000, we haven't been paying this for years and have been doing deferments where they carry the loan over for 6 months)Credit Cards
Bank of America (Closed): $600 Balance (Going on 5 years)
Hospital Bills: $1,500 (Going on 7 years)
2012 Taxes Owed: $500 (Extension filed)
No other debt of any kind.We are all caught up on all monthly bills.Current Spending Priority: New Heat Pump by June 1 or we have NO A/C for summer! Estimated Cost: $2800 installed.4 Year Goal: Improved Credit, Move to Larger House!THANK YOU FROM THE BOTTOM OF MY HEART FOR ALL YOUR COMMENTS!
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.
Question about Cash Deposits and Sales Tax
Added on : Monday April 29th 2013 08:01:20 PM
straightforward question for you guys:I have an online retail business. I collect sales tax for in-state online purchases as required by state law. My payments come via wire, Amazon payments, paypal, chase quickpay, checks, and cash. I receive cash (dollar bills and certified checks, money orders) in the mail from out of state buyers and I receive direct cash deposits into my bank accounts at out of state branches so buyers can avoid wire fees. I also deposit cash at my local branch as the $$ comes in.I do not operate a physical retail store presence in my state but I am registered as an online business in my state. In other words I don't have a cash register printing receipts and such.My annual in-state (sales tax applicable) sales are around $10,000 so I annually remit approx $600 that I've collected from these buyers(no one wants to pay sales tax so in state buyers shop elsewhere)My annual cash deposits into my business account are around $80,000 to $100,000 --> we're literally talking 20's and hundreds. For reference, my total annual sales are over $1M. So we're talking 10% of sales maybe a little under. I keep my books to the dollar and I report all of this cash as income and pay taxes on it. Do I run the risk of a State Sales Tax audit for having so many cash deposits compared to sales tax collected? There's nothing "funny" about the amount or frequency of deposits. I do not structure or anything, I deposit cash as soon as I get it. Most deposits are 1-3k. and most are made at same branch.Is it advisable for me to stop accepting payments this way? Many customers prefer being able to deposit cash directly into my account vs waiting for checks to clear.
Before you guys ask; no, I'm not cleaning money, and I'm not skimming. I am not worried about a federal income tax audit or even FBI looking into the large cash deposits because this is legit. JUST SALES TAX AUDIT.. I just have concerns about the state thinking I'm holding out on sales tax since I'm registered to collect sales tax on the few in-state sales I do have, so they have access to see that I've got $10k reported sales tax sales vs $1M total sales, then if they dig they'd see $100k cash deposits.. maaybe I am being paranoid.I am not in California.Thanks in advance...
Serve.com (from Amex) - changes to fees, T&C's
Added on : Sunday April 28th 2013 11:01:54 AM
Serve.com is making some changes that appear to put it more in line with Bluebird (its sister service).Current terms:
First ATM withdrawal each month is free, then $2 for each subsequent. No "free" ATM network though.New terms: (taking effect on May 21)
ATM Transactions - A $2 fee will apply to each ATM withdrawal. This fee will be waived if you are enrolled in direct deposit and you use our MoneyPass network of more than 22,000 ATMs.
Pay Bills - A new bill payment function that you can use to make one-time payments from your Serve Account to companies or individuals that you select.
Dormant Serve Card - $25 Bonus in New Card Mailing
Added on : Sunday April 28th 2013 11:01:54 AM
Opened a Serve card account a while back that came with the $10 bonus and put it away. I was planning to use it for my kids when they went to the movies with friends, etc. but just havent...I received a blue colored serve card in the mail this week with the same number as the old one-- the prior card was white. I don't really follow the Serve threads very much, but I know other's got the blue cards a while back.There were two inserts with the new card: one touting the new Membership Benefits program, and the other said "We miss you. Get $25 Back When You Add $25 by May 31, 2013". This is definitely targeted, as it says it's only valid for solicited Serve customers. If you receive a new Serve card in the mail, look for the second insert. My $25 bonus posted immediately upon funding $25 this morning. I usually just toss all of the inserts the come with cards/bills into the recycling bin, but I am glad that this one caught my eye.Again, highly targeted so please don't RED me if you didn't get this. But I figure there are many of us who got the initial Serve bonus and may not be using the card, especially since it's no longer a good way to consolidate rebate debit cards any more.
Should i lend money to a friend?
Added on : Friday April 26th 2013 05:01:17 PM
A friend ask me to pay for her bill that totaled about 360 dollars. She asks me to borrow about 100 dollars. Fair enough- i thought.I call to ask about her bill. They wanted me to pay half (180 dollars) in order to prevent it from going to collections. This is quite different from the 100 dollars.
So far her bills are past due for more than three months and she is in danger of having her bill sent to collections. This friend is someone i know for a very long time(decades).So far, she doesn't have a job and is looking for one. I know she quit her last job because she mention she didn't like it. She has been actively looking for job(that a good thing).My friend promises to pay me back within a couple of weeks.
Here is my thinking: I don't think she would be able to pay me back given that her bill is past due for a couple of months. If i do make payment on her behalf, the money probably won't be paid back ever. So i probably would have to treat this as a gift in the event she doesn't pay me back.If i refuse to help her, it looks bad on my part. If i do, it looks good initially, but will look bad if she can't/won't pay. If she does pay-everything is good.I need advice on what to do.
Hi all. I'm about to send a lot of money away for the next several years and want to make sure I have all my bases covered before getting aggressive with it. Here are the preparations I think I have to make:(1) An emergency fund that covers my bills for six months
(2) 401(k) contributions equal to 3% of my salary to take advantage of company match for the year
(3) A maxed-out Roth IRA for 2013Can you think of anything else I could do to prepare?(Some background if anyone cares: this is related to this thread)
Hi all. I'm about to send a lot of money away to debt for the next several years and want to make sure I have all my bases covered before getting aggressive with it. Here are the preparations I think I have to make:(1) An emergency fund that covers my bills for six months
(2) 401(k) contributions equal to 3% of my salary to take advantage of company match for the year
(3) A maxed-out Roth IRA for 2013Can you think of anything else I could do to prepare?(Some background if anyone cares: this is related to this thread)
Hi all. I'm about to send a lot of money away for the next several years and want to make sure I have all my bases covered before getting started. Here are the preparations I think I have to make:(1) An emergency fund that covers my bills for six months
(2) 401(k) contributions equal to 3% of my salary to take advantage of company match for the year
(3) A maxed-out Roth IRA for 2013Can you think of anything else I could do to prepare?(Some background if anyone cares: this is related to this thread)
How can you protect your assets in case of injury without insurance?
Added on : Thursday April 25th 2013 12:01:38 PM
Is there anything that can be done to protect a persons assets in case they were to need medical attention, and not have adequate insurance?For example...I've been a hardworking person all my life. Most of the time though I don't have health insurance. Just haven't been able to find a good solid non-temp job/career that offers it. I also never made very much money in my life. Because of very frugal living though (never had cable ever, don't go to restaurants, only taken one vacation in my entire life and it was a cheap one under $500), I've been able to build up a net worth of around $100k. About $55k is equity in my house. $30k is from an inheritance which is in the stock market as the beginning of what will hopefully be a retirement fund. $5k is in a cash emergency fund, since I often earn less than my general bills. And the remaining $10k is the value of my car.However I am absolutely terrified that I will loose everything that has taken my whole life to achieve, in the inevitable event that I eventually will need medical attention for something. The medical system is so screwed up here, that it would be very easy to rack up a $100k+ bill after just one accident, one needed surgery, or one health problem.The costs of purchasing health insurance yourself are ridiculously prohibitive as well. If I were to actually purchase health insurance, I'd just deplete whatever money I have in very short order. Many years my earnings are in the negative compared to general bills, other times they break even, occasionally they are a little up, but even in an up year, if I were to purchase insurance, it is so expensive, I'd go in the negative. Its a loose-loose situation though, because if I don't, I'm afraid of getting hurt, racking up a bill higher than my whole net worth in short order, and next thing I know, my house is liened, bank account drained, stock portfolio garnished to zero, car taken away, etc. Just feels like I'll loose everything buying health insurance since I can't afford it, but I'll inevitably loose everything not having it since accidents or health problems are inevitable. Is there anything I can do to protect or shelter what I have? Since if I were to loose everything, I'd never have enough time in life left to get it back.Any advice?
Keep your insurance card in your pocket: it can save your life
Added on : Tuesday April 23rd 2013 02:03:50 AM
I heard this extremely unfortunate story, hopefully, it won't happen to any of us:
Coworker A had a sudden heart attack. Coworker B drove A to the closest hospital. When arrived, A was already unconscious, so B was trying to help out with the paperwork. B doesn't know if A has insurance or not, and A doesn't have an insurance card in her pocket, so B was told by the hospital to pick one of the two options below:
1) Drive A to the nearest county hospital, because they can't take her without her insurance information
2) Have B sign a form so that if A fails to pay her hospital bills, B will be liable to pay
B couldn't decide, but kept trying to call A's husband a million times, but couldn't reach him. A died waiting. I don't know if the hospital's refusal is legal or not (lawyers, please chime in), but it is certainly not ethical.ALWAYS HAVE YOUR INSURANCE CARD WITH YOU, IT CAN SAVE YOUR LIFE!I know a lot of us are actively thinning our wallet and took advantage of the SuperSkinny deal a little bit ago, and have been trying to take out unnecessary cards, but your medical insurance card isn't one of them.
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I've been a FW member for 9 years; I created a new account for this post for privacy reasons. I am making this post here because I have not been able to think of a realistic solution and I feel that the collective brain power and creativity that exists on FWF may spawn an idea that I have failed to think of.Goal: A source of income, earned working from home, greater than $500/month; ideally, greater than $700/month working ~3 hours per day. She receives medicare and medicaid- so there are limits to the amount of income she can report without losing her much needed medical benefits.She receives $660/month in SS disability now- obviously impossible to live on. I make up the difference. Her needs are greater now and I cannot make up the additional difference. My own financial situation has deteriorated and I am now supporting her from my savings- which is not sustainable. I also provide monthly income for my elderly mother who is also disabled; as her monthly social security is not sufficient. Over the years, I've provided over $250,000 in support for them along with my grandmother. At over 50 now myself, my savings are pitiful and dwindling each month. I'm becoming worried that I will run out of money one day. My FICO was 790+ for 25 years and is now 620 due to working overseas and not being aware of some oversights I made. I bring this up because any manufactured spend or AOR for cash bonuses are not possible.
Background and limitations: My sister is 53 and disabled. She is in constant pain. Her prognosis is, baring a medical breakthrough, that she will not be getting better. Further, the disease has ravaged her body. She is rarely able to leave the house. When she does, it's at night and exhausting just to make a trip to the grocery store 2x/month. She has terrible credit due to previous medical bills and lack of income. She has had 14 surgeries and, due to light sensitivity from the disease, she stays in the dark with sunglasses on- she can only use a computer for a couple hours per day because of this. We do not, and cannot, live in the same area. So, although I can teach/train her in person, she will be on her own to execute the plan.Selling on eBay is an option. But I am at a loss for what she could sell given the limited time she could be online, coupled with the physical demands of acquiring, packaging, etc etc of the items being sold.My sister's life is, frankly, not a life. I downplay the money I give her, but she feels as though she is a burden. Because of this, her prognosis, and her quality of life, she's losing her will to fight on. Besides the financial aspects, I believe earning an income would help her self esteem and sense of worth.Sorry this post is so long- thanks for reading.Ideas?...
help on $10k medical bills! what should I do?
Added on : Thursday April 18th 2013 06:00:59 PM
I have a lousy medical insurance. After my insurance's coverage, I have to pay $10k to the hospital. The hospital sent me a letter saying if I don't pay in 10 days, my account may be evaluated for further collection efforts. I called them for discount but got rejected. I'm not qualified for any charity financial aid. Is there any way to lower my bill?What's my chance to get a discount from the hospital?
Does it help if I hire some medical bill advocate or debt company?
If my bill go to collection, will they offer me any discount?Or will they add more fees above my bill so I have to pay more?
Pay down debt vs. Investing vs. Saving for house
Added on : Thursday April 18th 2013 03:01:00 PM
I am seeking advice on how to meet the goals that my wife and I have set for ourselves. I am 23 and she is 22. We both are one year out of college and live in a low COL area. We are currently saving $1000.00 a month after our bills. I expect our income will increase 7% annually.We currently have $18,000.00 sitting in a high interest savings which we say is our emergency fund. This is approximately 6 months worth of expenses. We have been married for almost 1.5 years and within this time both of our cars died. We have two car loans which sit at $9500.00 @ 2.75% and $15,000.00 @ 1.99%. These are our only debts.We would like to buy a house within the next few years, but our struggling with the fact that we would like 20% down to avoid PMI. We need to save $32,000.00 to purchase a house that would meet our future needs.My question is how would one go about saving for the future? Would you start investing now or wait until all debts are paid? Would you keep things the way that they are and invest as well as save for a home? I feel like we are doing well, but want to stay ahead of the game.Any advice would be well appreciated it.Thanks,John
Appealing insurance payment - medical claim for braces
Added on : Wednesday April 17th 2013 08:01:06 PM
My 10 year old son was injured in an accident triggering my medical insurance. His injuries included substantial damage and displacement of his adult teeth. Now, a year and substantial oral surgery later he needs braces to pull his teeth into alignment and close gaps. Oral surgery claims covered by medical insurer with no problem (90% of 100% of approved rate). Insurer does not have orthodontists so I get ours approved to be covered at in-network benefit. Pre-submit expense for precertification so no surprises even though not required. Receive response they will pay 90% of 50% because they have no basis for an approved rate for services. When I investigate they tell me to appeal. When I appeal I am told I have to wait to appeal until service provided, they pay the claim (90% of 50%) and my orthodontist bills me for remaining balance. I am now at that stage, writing appeal. To help me compose a compelling appeal, I'm wondering if anyone has an idea of the logic for the 50% part of the equation? How can they justify any figure other than 100%? Dont get me wrong, I get why they would rather pay out less but how can they justify doing it?Am I missing something? Thoughts appreciated!Mod: this situations involves thousands of dollars so finance seemed the right place to post. Please move if not. Thanks.
Bluebird Billpay Down?
Added on : Sunday April 14th 2013 08:01:37 PM
Is anyone having an issue with Bluebird Billpay today?I've had trouble connecting to it since noon ET. You can login to Bluebird but when clicking pay bills - it says down for maintenance - been that way for 8 hours now.
Bright Horizon bill 15 months later
Added on : Thursday April 11th 2013 03:01:24 AM
Just received a letter from the local Bright Horizon center, saying they forgot to bill me the copay in January 2012. It is for back up child care sponsored by my employer.
I didn't kept track on which day I used the back up child care, neither how many days I used it. Their big corporate website allows to make reservations, and it bills automatically. I don't see how they could have missed a day. The website also has a list of the past uses and it doesn't show the day for which they are trying to bill me.
My credit card statement doesn't go back that far, so I cannot check if I have already paid a copay that day.
Miss-communications between their big corporate office and the local center already costed me one copay 16 months ago, for a refused cancellation that had been previously accepted, so I wouldn't want to pay another one for a day not used, or that I might have already paid.
They are threatening to send the bill to collection if I don't pay within 3 weeks, a good example of how gracefully they handle their mistakes.
How many years later after a service can they send the bill ? Am I lucky that I look through junk mail or that I wasn't on vacation when they sent their bill ?But I don't want to completely burn bridges, since I will be using the back up child care in Nov/December again, and they are the only center not too badly located for me.
How should I go about handling that ? I was thinking to ask them some kind of proof that I indeed used their service that day, and a letter saying I don't owe them anything after that if I pay.
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 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.
Macy's Missed Payment, SOB story, any suggestions?
Added on : Tuesday April 09th 2013 07:01:03 PM
My wife and I are in our "late 60's" and married close to 45 years. In those 45 years we have never had a credit card balance, always paid EARLY (first day we get the bill) and most of all have NEVER EVER missed a payment. Both our FICO scores are a couple points below 800.Anyway: We (actually she) opened a Macy's (AMEX) card a year or two ago. Their account is screwy in many ways. Each Macy's AMEX account is actually 2 accounts, one for Macy's purchases and one for "out of store" purchases. The website as well as the multiple accounts aren't easy to find what you want. Anyway (long) story short we get a call from Macy's collections saying we are 60 days past due on $66 as of today. The guy gives me an account number which is not even close to the TWO account numbers on the account but as he explains (in his virtually impossible to understand "off-shore accent") there is yet a 3rd account number tied to this account but it doesn't show online.He claims we were sent SNAIL MAIL bills over 2 years as well as EMAIL bills of which we have NEVER received either. I have NEVER not received any other bill that had been mailed to me or an email bill notification that had been sent to me (yes, I also check spam folder on a daily basis). I went to my Google email account we use strictly for online billing and searched on "Macy" and going back to 2010 there were only advertisements and absolutely nothing bill related and we definitely never received a mailed bill. Maybe we could have missed one, but certainly not around 24 of them over the approx 2yrs we had the card.(Trying to keep it short, but it's not easy). Needless to say we DID have a past due balance unbeknownst to me and I immediately paid it when he called. I also told him to take the account and shove it where the sun don't shine but in a little stronger words than that.He did waive the late fee but the problem is, he said the account will be reported as 30 days late. This will be our first "negative" in over 45 years of having credit of any kind. Is there any "trick of the Fatwallet trade" to dispute this despite the fact we did miss the payment?
Service to Aggregate E-Bills and E-Statements
Added on : Monday April 08th 2013 12:01:39 PM
I like electronic bills, but logging into each bank site to download and save for archiving is a pain. Is anyone using a service that automatically retrieves ebills and saves them in a standardized format? A common file name format (e.g. bank and date stamp "BoA-Visa-Feb2013") for the PDF files would be ideal.Edit: I'll throw E-Statements in there too, including deposit statements. I've found it useful to retrieve old statements from time to time and having this electronically saved is much more efficient than on paper. But collecting and saving them is something that I'd rather automate.
Free Today Only! Seven Unholy Days - Kindle E-book
Added on : Monday April 08th 2013 10:00:42 AM
link:
http://www.amazon.com/Seven-Unholy-Days-ebook/dp/B00C4YXN36/Storyline:
Matt Decker is a celebrity geek, designer of the nations futuristic new power grid and a hero for lowering electric bills across the land. Hes a talk show favorite, rich, and living the American dream. Until the power fails, everywhere, throwing the techno-dependent United States into chaos.Deckers impenetrable systems have been breached in the worst way, and its just the beginning. The country is under attack from Abraham Hart, an eccentric and unstable man with nearly unlimited resources, a man who believes himself to be a bizarre hybrid of Christ and Antichrist. Hart delivers a new attack each day as he works his way through his own personal version of Revelations famed seven seals, and he makes it personal between him and Decker.
I thought about creating an alt ID to post this, but I hate when other people do that, so I decided to post on my real username. This involves my GF of several years, whom I am likely to get married to (thus why this might become "my problem"). She was sick a few years ago and racked up huge medical bills during a two year time frame when she did not have any health insurance. She used CCs to live off of and paid off her medical bills with her (meager) salary. She now knows this is a bad idea, as she could have negotiated down the medical debt easily and never had to use CCs, but thats not something that can be fixed now. The CC debt over the period of a few years was large but not insanely large until she could no longer float it on 0% or low interest cards, now its exploded to about ~80k. She has never missed a payment on any CC and everything is current. Her job situation is that shes a graduate student and isn't expected to get her PhD for 3-4 more years. She now is under the university health plan so while she still has some medical expenses, the cost is now manageable even on a TA salary.Once she graduates she will probably start at 70-85k, but she also has about 55k in student loans from undergraduate (subsidized stafford). However, she will almost certainly get a tenure track job at a public university, so those will be forgiven after 10 years through the public service forgiveness program (thanks taxpayers!). I am aware of three options:
(1) Bankruptcy - Wipe it all clean, deal with the 10 years bad credit. My question is - if she does something like gets a secured credit card that reports to the bureaus and keeps it at $0 balance, will the credit recover enough to where its impact will be more manageable in a few years? Or is the 10 years of bad credit basically just that - no credit of any kind from anyone until its off the credit report?
(2) Stop Paying - This will from my understanding result in 7 years of bad credit or so once the balances get charged off. However, in the mean time she gets to deal with debt collectors and given that some of the individual balances are large (1 card is a 20k balance) - will she be sued for the larger amounts?
(3) PAY YOUR BILLS DEADBEAT - Always the preferred (and in my opinion, the best option) but realistically not feasible. She would not even be in the position to negotiate a pay off for deletion type strategy until she gets a job, which again is at least 3-4 years down the road. She is currently throwing every dime she has from her $20k/year TA salary at keeping current, her only other expenses are rent and food, and its not enough to decrease the debt at all. She called all the CC companies a few months ago to ask if they would be willing to lower interest rates or work out some sort of lower payment plan, but all of them refused to do so until she was delinquent with the payments. Which option is best here? I am leaning towards recommending she pursue bankruptcy (cost: 1.5k, according to the lawyer she talked to) just to get it over with, but it may be better dealing with debt collectors for 7 years if it means 3 years sooner where she can get credit (and use it responsibly, this time). We are of course both reading credit boards about this, but I wanted to get the FWF opinion (with all the negative that will include) as well.
Service to Aggregate E-Bills
Added on : Monday April 08th 2013 12:03:41 AM
I like electronic bills, but logging into each bank site to download and save for archiving is a pain. Is anyone using a service that automatically retrieves ebills and saves them in a standardized format? A common file name format (e.g. bank and date stamp "BoA-Visa-Feb2013") for the PDF files would be ideal.
Want Costco Amex, Advice?
Added on : Sunday April 07th 2013 02:02:07 PM
Hello. I have a business and buy a ton of stuff at Costco. I would like to get the Costco AMEX to start getting more CashBack (I have the executive card and get the full CB every year). I have a few negs on my credit I wanted to go over and see what you all thought.I signed up for an Experian account about a month ago. I had 2 old medical bills in collection from 6 years ago that I didn't know about. I moved around a bunch after college and apparently my insurance didn't cover a few things from when I was in school. So I called the companies and paid both of them off. I looked at my Experian credit report today and they are both gone and my credit score jumped from 591 to 648.One problem I see with my credit report is I have a student loan that is repeated. The DOE sold my loan with them to a different company. Now it shows the loan twice and says I have 40k in student loans instead of 25k. I've read that student loans aren't a big problem so I'm not sure if I need to do something here or not.Other than that I have 1 CC that I pay off monthly. It's a Wells Fargo card with a limit of $4700 that I have had for 8 years. I have 2 inquiries in the last year, and 2 CCs that I closed about 4 years ago.Any advice would be great. I have cash and anything I can do raise my score would be awesome to know, I did read that I should probably have more than 1 CC. Any AMEX that pays CB would work. I want the most limit I can get as I spend about 20k at Costco a month. Also, anybody have any idea on how quickly you can get your limit raised if you use the card a lot and never keep a balance? Thanks!
Am I too frugal? Should I be spending more?
Added on : Sunday April 07th 2013 01:01:13 PM
I'm 28 years old, male, and I work as a teacher. I'm equivalent to tenured, and my job is pretty safe. I make $31,700 a year at that job (low cost of living area). I work another part-time job on the side (IT work), and I make about $57,000 a year total between both jobs.I max out my 403(b) at school. It will be the full $17,000 this year, and I've maxed it out for the past couple of years. I also max out my individual HSA every year.My housing costs $240 monthly with all bills included (I rent a room in a house in a safe neighborhood). I have paid off most of my 2013 Kia Soul (only $13,800 brand new), and I just pay $125 monthly to PenFed for the car note on a 36 month loan at 1.49%. Full auto insurance with comprehensive/collision runs me $698 annually, prepaid through late 2013.My FICO credit score was 751 last I checked. I take advantage of various bonus offers that we all know about from the forums (Hyatt free nights from their CC, Southwest 2 free RT flights from their CC, AA miles credit card, etc.). I have just over $127,000 in available revolving credit. I'm at $0 CC balances except one $2900 BT at 0% with a 0% fee (courtesy of Commerce Bank).I have saved up $117,000 in the past few years, mostly in 401k, 403b, or IRA accounts (but some in taxable accounts).I'm fairly happy with my income and my lifestyle -- content, I suppose. I'm single. I spend time with friends. I volunteer to fill my extra time (volunteer with the IRS, volunteer firefighter, and volunteer casa).Is there a point that I should be spending more money and "enjoying life" more? There are various things that would be nice -- I've been contemplating a new Ford Mustang car -- but I find it hard to justify the costs when what I drive (a 2013 Kia) is reliable and inexpensive. Do I need to let go and be willing to spend more money? I've confided this to a few of my close friends, and some of them contend that I should be "enjoying" the fruits of my labor more. I'm torn on it, so I wanted to seek advice from FW. I feel like I've followed much of the FW playbook, if one can call it that, but have I focused too much on the frugality aspect?
Hello FW Family,I'm looking for some life saving advice because you don't know what you don't know. My goal of this post is to access my current saving plan and make proper adjustments. I'm "stingy" with cash and feel like I MUST save although I'm not really saving for anything specific. I just worried that just cause I make more money now that I should spend it.BACKGROUND:I graduated college in 2006 and a friend told me about the Fatwallet community. I actually joined just to save a few bucks and turned out to buy stuff I didn't really need from the "hot deals" forum. Since then I've spent lots of time in the "finance" forum shadowing post on "buying houses" and learned about the basics of getting out of debt, got scared to get in debt, and really learned from a lot of you all. I bought my first condo with the help of fatwallet, turned into a landlord with the purchase of my second property, paid of all my CC debt, and saved $90k in cash. Hell you all saved me hundreds in my last post when I got screwed by a water heater company.Debt:
$40K College loans at 3% rate
$1500 (Monthly) - Rent + Parking (Recently moved to San Francisco)
$300 (Monthly) - Bills (Cell phone, cable, electric, etc) My current saving strategyAt the start of the month I get paid and immediately pay my rent $1500 and put $1500 away in my ING account. When I get paid on the 15th, I put away $1500 in ING and have $1500 to pay bills, eat, live etc. This $1500 typically covers me for the next time I get to the middle of the month. I treat it as a "game" kinda but I've been sticking to my plan of $3000 saved in ING monthly. I'm not saying this is a good plan and I do purchase items and go out to eat here and there. I just graduated my master's program and will have to start paying back on my loans in 6 months. I currently invest 12% in my 401K and do not contribute to my ROTH IRA anymore since I'm not much a good stock investor.Questions
1) I know my saving plan isn't sophisticated so ANY advice on other alternative saving plans would be greatly appreciated. Tips?
2) What is a good amount I should be saving per month?
3) I plan on buying a car in the next year? What is the best way to finance it? I could pay cash but I've also heard you could borrow against your 401K or do a HELOC. Any advice there?
4) Is there any place I should be putting the money other than ING?
5) What moves did you use while 30 (Question assumes you're over 30 years old)Thanks in advance. This post in no way is to come across as a d*uche or another what should I do with 6 figures of saving kinda post. I'm generally asking for help because I have trust issues going to a personal advisor at Merril Lynch or something along those lines. In a weird way I feel you guys are my extended family.
Free Tee Shirt From Bills Custom Tees
Added on : Saturday April 06th 2013 02:01:02 PM
http://www.billscustomtees.com/
Need Advice for buying investment real estate in NY
Added on : Thursday April 04th 2013 01:02:04 PM
Hi,I am in the process of looking at a house in NY. It is supposed to be a legal 4 unit. I have not done the due diligence yet in terms of making sure everything is legal, but I will. The seller is not using an agent & I dont have one either. I would be getting an attorney for the closing. The house is fully rented with 1+ year leases in effect. The house is $550,000, the rental income is $6,000 per month. I am still working on expenses but taxes are $19,000, all units have their own electric which they pay (separate meters), heat & hot water are oil which is on me. I am getting the last few years of utility bills. Hurricane sandy blew the roof off the house, so it has a brand new roof. Overall while its older (built in 72) its in good shape & maintained properly. I still have a number of things to check out but ideally I plan to put down 25% on it.I would like to buy more units since i have the capital to do so but this is a new area for me (real estate / renting). Prices are down & I would like to know how I can best learn.In the last 6 years I bought & sold 2 houses so I have a load of local contractors, etc. Thanks,
Rich
Collection Agency contacting about ex-wife medical bill
Added on : Tuesday April 02nd 2013 10:01:58 PM
I've been divorced for about a year and a half (separated for about eight months before that) and just received a collection letter (addressed to both of us at my new home address) for her unpaid medical bills. The collection letter does not have any dates of service on it, simply four providers and amounts claimed to be owed. I dug into my insurance records and I have no EOBs from three of the four providers, and no EOB in the claimed amount from the fourth.This hasn't yet shown up on any credit reports, and I'd like to keep it that way, Ideally, I'd also like to avoid paying her bills, though that may not be possible, My primary goal is to avoid having my (currently excellent) credit trashed. My biggest fear is that this is the leading edge of a deluge.I have not contacted the collection agency yet (foolishly, I tried calling, but luckily it was after hours and they were closed, so no harm no foul).Other pertinent facts: I am in the state of Tennessee, the insurance was in my name, and the divorce decree kept her debts with her (I understand that this isn't worth the paper its printed on in this case, except that it will possibly allow me to sue her to recover if I end up having to pay).Any thoughts?Last item: No, I do not have any pics of her, and you wouldn't want to see them anyway.
http://www.solarblvd.com/p2725/Perlight-Solar-PLM-230P-60-230-Wa...
230Watt 24Volts Solar Panel $149.50+Shipping
From the site:
"Please keep in mind that shipping for these will be approximately $130 anywhere in the United States for one or two because of the oversized dimensions." At first I thought that the $88.05 (176.10 for Two) shipping to Oklahoma was a deal breaker but actually it comes to a pretty good price per watt. For me this deal comes to $237.55 or about $1.03/watt This panel is also UL listed which is important for insurance purposes.This panel should not exceed 10Amps.Amazon has a very basic 24V 10AMP charge controller for $19.99 + FS
http://www.amazon.com/Solar-Panel-Charge-Power-Controller/dp/B00...Or a 24V 30Amp Charge controller for future expandability. (Has some programmable features.)
http://www.amazon.com/Controller-Regulator-Charging-Automatic-Fu... Amazon has it for 29.59 + FS
http://www.newegg.com/Product/Product.aspx?Item=9SIA0U00BZ7466 Newegg has it for $28.99 + FSTwo 12V batteries would be needed with the charge controller. And an Inverter for plugging in your non DC electronics.Alternatively, instead of getting a charge controller and batteries, a UL listed grid-tie Enphase 215 micro inverter can be found for around $150-160+shipping. Non UL listed grid tie inverters are cheaper but won't work for legitimate grid-tie agreements with most electric companies.This sure beats Harbor Freight's 45watt offer or HomeDepot's 55watt offer!Something this size could make for a nifty hobby project. I'm thinking of making my networking closet and alarm system off grid. It would be a long return on investment though (at least in OK.) Electricity is so cheap in Oklahoma, my electric bills are only around $100 each month. Might use it to run a light in the garage and living room depending on how much juice I have left after all of the networking stuff.
My wife and I filed jointly for the first time and ended up getting a $4k refund. When I was single I adjusted my witholdings so I'd end up owing ~$800 each year, but when I look back I didnt accomplish anything since I found it cumbersome to minimize my balance in my checking account. From a practical point of view is there really a benefit in adjusting witholding to try and break even or owe a little so that you can invest the money during the year? I would see the benefit if all my direct deposits/bill payments were directly from my investment accounts(Vanguard Funds) but that sounds too good to be true. Is the most efficient way really to, on a monthly basis, manually transfer any excess checking money after bills into Vanguard or other investment account?
Obihai OBi202 VoIP Telephone Adapter with Built-In 2-Port Router & USB Port $59.89 + Free Shipping
Rakuten.com has the Obihai OBi202 at Rakuten.com for sale by marketplace seller ANTOnline for 79.89. Use Rakuten coupon SAVE20 for $20 off $50 to bring the price down to $59.89 with free shipping. This price is lower than the front page deal a few days ago.79.89
- 20.00 (SAVE20 Coupon valid today only)
______
59.89 + Free Shippinghttp://www.rakuten.com/prod/obihai-obi202-voip-telephone-adapter... FREE Calls with Your Home & Small Business PhonesUse your existing corded or cordless phone(s) and your broadband Internet to make and receive calls over the Internet for free (or at a very low-cost).Via the OBi202's two (2) on-board phone connections, you have the power make and receive phone calls using VoIP services for a fraction of the cost a traditional phone company would charge. The OBi202 supports up to four (4) VoIP services like Google's free* Google Voice communications service or a multitude of SIP Internet phone services as well as calls to other OBi endpoints via Obihai's free OBiTALK network. The OBi202 also supports the T.38 fax standard for reliable facsimile calls over the Internet.The OBi202 is equipped with a 2-port router with integrated quality of service (QoS). The OBi202 may be installed in a variety of network environments and/or locations where upstream voice traffic needs to be prioritized above other types of traffic like web surfing and uploading pictures and movies. The OBi202 USB port serves multiple purposes. Using the OBiWiFi Wireless Adapter, the OBi202 can be placed anywhere within range of an 802.11b/g/n access point. Why You Will Love the OBi
Save Money
Use FREE and low-cost VoIP services to lower your phone bills... Maybe to NOTHING!
Pay Only for the Device It's Not Locked to a Service!
You can add VoIP services to make & receive phone calls to and from regular phone numbers.
In addition, OBi to OBi calls are FREE.
Computer Not Required
All you need is your existing home phone and broadband router.
Fantastic Voice Clarity
Talk with your family and friends anywhere in the world, from the comfort of your home telephone. How Does the OBi Work?
The OBi allows you to make and receive phone calls using your high-speed internet, your regular home phone and a "VoIP" Internet phone service provider like Google Voice, Anveo, Callcentric or VoIP.ms. No computer is needed. You can also call for FREE from one OBi to another OBi anywhere in the world. In this case, a traditional phone service is never needed to make the connections. Talking becomes truly free. OBi202 ConnectionsRequirements
1. Broadband Internet Connection
2. Internet Router with Available Ethernet Port (Optional if the OBi202 is connected directly to a modem)
3. Analog/Digital Corded or Cordless Phone
4. VoIP Service Provider Account Username & Password (Optional, but highly recommended)
Examples of Service Providers:
Google Voice
Anveo
Callcentric
VoIP.ms
plus Many More!
Benefits
FREE Calls* to US & Canada Using Google Voice
Unlocked Use with Any VoIP Service Provider (SIP)
Get the Lowest Cost International Calls with Service Providers of Your Choice
FREE Premium Features Voice Mail, Caller ID, Call Forwarding, Call Waiting, 3-Way Calling
FREE OBi to OBi Calls Anywhere in the World
No Computer Required to Make/Receive Calls
OBi Callback Make Calls at Receiving Rate when your OBi automatically calls you back!
Fantastic Call Quality - Even when there is heavy Internet traffic.
Mini-Phone System The two phone ports work together making the OBi202 perfect for small business!
Reliable Faxing with T.38 when supported from the connected VoIP service.
Use FREE OBiON iPhone & Android Apps from Your Smart PhoneEasy Set-Up
1. Connect the OBi to Your Internet Router or Directly to Your Broadband Modem via Ethernet
Optional: You may also use the OBiWiFi Wireless Adapter to connect your OBi202 to any Wireless Wi-Fi access point within range.
2. Connect Your Home Phone to the OBi
3. Sign-on to www.OBiTALK.com
4. Add Google Voice or Any Other VoIP Service Provider to your OBi Device (Optional, but highly recommended) Additional Benefits
1-Year Limited Hardware Warranty
Live Technical Support via...
- Email
- OBiTALK Community Forum
- Phone
Free Software Updates & Enhancements
OBi202 VoIP Phone Adapter Rear View
Features
Google Voice Derived Features:
- One Number for All Your Calls / Phone Devices
- Call Forwarding
- Call Blocking
- Call History
- Call Billing - Detailed History
- Do Not Disturb
- International Calling
- Ability to Ring Multiple Phones on Incoming Calls
- Voice Mail (Voice Mail Acts Like Email)
- Voice Mail Speech to Text
- Voice Mail Alerts via Email, Text-message, Indicator on Phone
- Custom Voice Mail Greetings
- Send and Receive Text Messages
- Use the Google Voice Web Portal to See, Listen to and manage voicemail
- Call Recording
- Multi-party Conference CallingOBi202 Device Telephony Features:
- Message Waiting Indication - Visual and Tone Based
- Speed Dialing of 99 OBi Endpoints or Numbers
- Three-Party Conference Calling with Local Mixing
- Hook Flash Event Signaling
- Phone Port Collaborative Feature-Set: Incoming Call and Call On-Hold Pick-Up, Join / Barge-In
- Caller ID - Number
- Caller ID - Name (Not Available with GV)
- Call Waiting
- Call Forward - Unconditional
- Call Forward on Busy
- Call Forward on No Answer
- Do Not Disturb
- Call Return
- Call Recording (From Device Web UI)
- Call History (Last 200 Calls from Device Web UI)
- Aggregation and Bridging of Four (4) SIP and/or Google Voice & One (1) OBiTALK Services
- Automatic Attendant (AA) for Simplified Call Routing
- Call Back Service - Connect to AA to Make a New Call or Ring the Attached PhoneOBiTALK Web Portal Integration:
- Configuration and Management of OBi Endpoints
- Addition & Configuration of VoIP Service Providers - Including 7-Digit Dialing
- Download OBiON Apps for Smart Phones, Internet Tablet Devices & PCs
- Creating & Joining Circles of Trust So You Can Share Your OBi's Services with Friends & Family
- Setting Up Your OBi Endpoint Speed Dial Directory
New Arrivals: Bric»s - Cervo - Genuine Leather Zip Around Wallet
Added on : Tuesday March 26th 2013 09:01:26 AM
Grained leather with contrasting top-stitching displays the elegance of Bric»s craftsmanship, enhance by a signature plaque while multiple compartments keep bills and cards in order. A zippered divider completes the design with space for coins.
New Arrivals: Bric»s - Cervo - Genuine Leather Id Flap Wallet
Added on : Tuesday March 26th 2013 09:01:26 AM
Grained leather with contrasting top-stitching displays the elegance of Bric»s craftsmanship, enhance by a signature plaque offering numerous compartments for card and bills, ID window and snap closure.
How to help fiance's credit score / cc co-applicant
Added on : Wednesday March 20th 2013 05:01:02 PM
Background:My credit score: >800
Will-be-wife's credit score: 500 ish
Utility bills all in my name. We're trying to bring her credit score up (obviously). She got approved for a capital one credit card in August 2012. She's been using it and paying it off monthly. I tried to put her as a co-applicant on my main credit card (September 2012) but she was declined to to low / no credit. Anyone have any insight on when I should reapply for her to be a co-applicant on my credit card? (6 months, 12 months, etc)
Any other advice on helping to increase her score? If I can get a utility or two in her name, does that actually help her?thanks in advance
Hi all,I just got an email from my US Airways MasterCard offering 15,000 bonus miles if I spend $750 on purchases in each month in April, May and June. Seemed like a pretty low hurdle for that many miles. Think the offer is for existing card holders and looks like it may be targeted (maybe you could call in and ask for it?). Below is text from email.You can already earn miles for every purchase with your new US Airways Dividend Miles MasterCard. And with this special offer, your card is now more rewarding than ever. Earn 15,000 bonus miles when you spend over $750 in new purchases each month in April, May and June.Getting away is easier than you think.Every purchase gets you closer to getting away. Filling up your gas tank. Dining out. Booking your next vacation. Even monthly expenses, like cell phone and utility bills, will earn miles when you pay with your card. Best of all, for a limited time, all these new purchases can also add up to 15,000 bonus miles!Start racking up the miles!Just use your card every time you make a purchase to take advantage of this great offer. Remember, you need to spend over $750 in new purchases each month from April through June to qualify. You'll be redeeming your bonus miles for award travel in no time at all! Offer is valid for select cardmembers and is not transferable. You will earn 15,000 bonus miles after you charge over $750 in net retail purchases (purchases that are not returned or rescinded) each month from April 1, 2013 through June 30, 2013. If you do not spend over $750 in any of the 3 months of the promotion, you will not be eligible for any bonus miles as part of this offer. To receive your bonus miles, your account must be open and in good standing. Purchases made during periods when your account is delinquent, your balance exceeds your credit line or your account is otherwise not in good standing as defined in your Credit Card Cardmember Agreement do not qualify for this offer. Your bonus miles will appear on your statement up to 6-8 weeks after the end of the promotion. Net retail purchases do not include such things as the purchase of money orders, traveler's checks, foreign currency, lottery tickets, gambling chips, wire transfers, person-to-person money transfers or using the account to obtain a cash advance.
So our 2nd mortgage was just sold to 21st Mortgage by GMAC. I made my first payment to 21st, and received a letter stating that my payment is being held in an overage account because it is enough to make a full payment. I called to find out what the letter meant and was concerned that there was an issue with my payment. After speaking to my account "rep", he told me that he will apply my extra to the principal this time, but they have system limitations that require the payment to be made before the first or it cannot be put towards the principal. We have never been late on a payment, never had a modification or any other issues with the 2nd so it is not like I have a special circumstance that would require something like this. I pay all bills on the 1st and the 15th, depending on when they are due. I guess I could pay my 2nd mortgage on the 15th prior to the month instead of on the 1st, but I do not think I need to change my bill paying habits because of their system limitations. I will get out my mortgage paperwork and try to find the clause about principal, but was wondering if lenders are allowed to do this. Can they force me to pay before the first if I plan on paying additional each month? Thanks
US Bank Cash+ Visa, No more 5% back on auto bill pay
Added on : Sunday March 17th 2013 07:01:04 PM
This is only for the Cash + Visa cardholders (I am a cardholder only after being clued in by this forum, so trying to give back a little)Just tried to set my categories for Q2 and noticed that bill pay is no longer a 5% category. Wireless bill is, but for my finances, that exes out State Farm Insurance, Cablevision, etc...Probably in the "too good to last" category, but getting 6.25% back on homeowners, auto and my term life policy was just incredible. I'm sure everyone's rates for insurance vary widely and State Farm may not be the best for everyone, but for me, it was about the same as most other insurers for all of my policies combined and the local "Jake from State Farm" agent is just phenomenal. So different from the "claims center" that I got transferred over to via phone tree through Liberty Mutual. Hope I won't have to find out how well they pay on the 20 year term life policy any time soon...This is just a heads up to anyone who wants to pre-pay some bills before 3/31. On my part, I pre-paid my homeowners, auto, umbrella policies. Switched everything else back to the good 'ol 2% for everything Fidelity AMEX.
LinkyLoo Free store pick-up or add 0.97 shipping. The set alone retails for $49 - and not to mention the lego visual dictionaries are really cool The books retail around $20 but can typically be found in the $10-15 range. The dictionary also comes with an exclusive minifigure: Electro Suit Batman
Lego DC Universe Super Heroes - The Batmobile and the Two-Face Chase #6864Foil the bank raid and send Two-Face home without a penny!As Batman heads toward the bank in his Batmobile, he spots Two-Face and his evil henchmen zooming off with a huge safe in tow! Help Batman put a stop to Two-Faces wild ride and return the safe to where it belongs! Includes 5 minifigures: Batman, Two-Face, 2 henchmen and a guard. Includes 5 minifigures: Batman, Two-Face, 2 henchmen and a guard
Vehicles include the Batmobile and Two-Faces car
Features bank, safe dynamite and dollar bills
Batmobile features dual flick missiles
Two-Faces car features dual flick missiles, shooting function and lifting crane
Use the break-in function to get inside the bank!
Open the safe to steal the money!
Includes comic book!
Bank measures over 3 (9cm) tall
Batmobile measures over 9 (23cm) long
Two-Faces car measures over 4 (12cm) long
Comic book included.
Ages: 7-14
Pieces: 531
Lego DC Universe Super Heroes - Batman: Visual DictionaryIncludes an EXCLUSIVE minifigure!Enter the world of everyone's favorite LEGO super hero in the first ever guide to LEGO Batman! This reference combines DK's famous Visual Dictionary format with the adventurous world of the LEGO Caped Crusader. Explore each Batman set according to its location, key themes, events, and characters, including the cunning Catwoman, the daredevil Robin, and the villainous Joker. Full color.Go beyond the bricks to look at the wider world of LEGO Batman including video games, merchandise, and the intense fan community. As an extra bonus, the bottom corners of each page create two great flip-books!Number of Pages: 95
Product in Inches (L x W x H): 10.0 x 1.0 x 12.0
Walmart Coupons
Debunking Crugman, Bernanke and Co - deficits do matter
Added on : Tuesday March 12th 2013 08:02:19 PM
Sorry, I know it's a blog-like post, but I enjoyed the article By Laurence Kotlikoff and just must share:
Krugmans Four Dangerous Fiscal FablesThere are four dangerous fiscal fables afloat. The first is that taxes can be cut to raise revenues and lower the deficit. The second is that spending can be raised to raise revenues and lower the deficit. The third is that the deficit can be financed by printing money with no real consequences. And the fourth, and most dangerous, is that the deficit's accumulated value -- the official debt -- is a meaningful measure of our country's or any country's true indebtedness.Paul Krugman, who has been pleading for more deficit spending on a continuous basis in his New York Times column, is hawking all four fables. Pity our children if our policymakers continue to take his views seriously.The Deficit and RealityLet's start with the worst fable, namely that the debt Krugman is considering is, in fact, the right measure of our government's obligations. The measure Krugman is using is the official debt in the hands of the public, which is $11 trillion. But the true debt, known to economists as the fiscal gap, which includes all the off-the-book obligations of the government, is 20 times larger!These off-the-book obligations include the requirement, under current law, to pay today's 40 million seniors, on average, $30,000 per year in today's dollars in Social Security, Medicare, and Medicaid benefits through the rest of their days. They include the requirement, under current law, to pay today's 78 million baby boomers, when fully retired, $40,000 per head, in today's dollars, in Social Security, Medicare, and Medicaid benefits. They include the requirement to pay for all future military expenditures, all future welfare benefits, all future Supreme Court Justices salaries, and the list goes on.Like interest and principal payments on official government debt, these other payments are coming in the future. But of all the expenditures the government is promising explicitly or implicitly to make in the future, only those called "interest and principal payments" are being valued in the present and included in Krugman's measure of government debt.Perhaps Krugman should sit down with a 75-year-old and ask her whether she thinks the government has an obligation to continue sending her a Social Security check every month or a commitment, under Medicare and Medicaid, to help cover her future healthcare bills. Perhaps he should sit down with an admiral and ask whether the government has an obligation to build new submarines and maintain our fleet over time. Perhaps he should ask the head of the Department of Transportation whether there is a requirement to repair federal highways and build new ones.Krugman would quickly learn that these debts -- these obligations to spend -- are no less real and, indeed, a lot more real than the official debt. The official debt, after all, can be wiped out in real terms by printing money and raising prices. Not the case for our transfer payments and direct government purchases. They are either formally or informally indexed for inflation. As for the politics of who will get paid in a crunch, it's not the official debt holders. Just ask Greek bond holders how they fared in recent years compared to Greek retirees collecting state pensions.Paul Krugman is a Nobel Prize winner in economics. He should know the debt is not well defined -- that what's put on the books and what's kept off the books reflects labeling choices by successive Congresses designed to make the official debt as small as possible because, guess what, people like Krugman are writing about the official debt, but not the unofficial debt.Economists have been discussing this labeling problem and have been producing meaningful fiscal gap measures, that are label-invariant, for 40 years. I wrote a column called Deficit Delusion on this in the Public Interest back in 1984 and one in Science back in 1988. My most recent column is posted on the PBS Newshour site.Yet Krugman says in his most recent column that "I have yet to see any coherent explanation of why these longer-run concerns should determine budget policy right now." The coherent explanation is given by economic theory, which makes crystal clear that the choice of fiscal labels is economically arbitrary and that, as a consequence, the projected path of the government's short and long-term cash flows is arbitrary, and that, as consequence, economic theory does not distinguish short-run vs. long-run budget policy. What economic theory tells us is to look at the entire projected path of policy, measure its fiscal gap, and decide on the basis of the size of its fiscal gap whether the policy is sustainable.The equations of our economic models don't define the debt. It's that simple. Nor do the equations in physics define time or distance. In physics, how you measure time and distance is a matter of your frame of reference, which can be viewed as a language or labeling convention.When I was asked in 1988 by Science to write about economics fiscal relativity problem I was struck that the hard scientists could get this point so quickly and that so many economists could not. But, then again, economists are the tailors of this emperor's new clothes and have a very strong incentive to keep discussing fiscal policy using meaningless measures. Krugman is the chief tailor in this regard.The U.S. fiscal gap of $222 trillion is enormous and totally unsustainable. But rather than discuss the fiscal gap, Krugman discusses the official debt which is one-twentieth as large and, as indicated, a measure of the government's words, not its policies.Of course, once you have the emperor convinced that his new clothes are for real, you can take full advantage of his ignorance. Krugman is doing this with his readers. He's taking advantage of their ignorance by showing that a non-measure of government sustainability, intentionally designed to be as small as possible, is not of major concern. And in claiming that the long-run is distinct in terms of policy from the short run and can be ignored until we reach it, he's persuading his readers that they needn't worry about the fiscal Sword of Damocles suspending over our children's heads.This is fiscal child abuse pure and simple, and Krugman should be ashamed of his contribution to it. There is not a single dynamic model of the economy's dynamic transition being published in leading economics journals that doesn't include the constraint that the fiscal gap be zero. But Krugman simply discards what we academic economists call the government's intertemporal budget constraint.Let's be clear. Generationally speaking, paying for the government's spending is a zero sum game. Eliminating the fiscal gap -- satisfying the government's intertemporal budget constraint -- requires either a) an immediate and permanent 64 percent hike in all federal taxes or b) an immediate and permanent 35 percent cut in all projected government outlays including those called "interest and principal." If we wait a decade to take our medicine, these figures become 70 percent and 38 percent respectively. And, guess what? In that case, our children will face even higher taxes or lower spending over their precious lives.These aren't my estimates of the fiscal gap or what's needed to close it. They are my calculations based on the Congressional Budget Office's long-term fiscal forecast called the Alternative Fiscal Scenario. The CBO publishes this forecast in June each year. Last June the fiscal gap was $222 trillion. In June 2011 it was $211 trillion. It rose by $11 trillion between 2011 and 2012, which is the same amount as the entire stock of federal debt! The reason, in large part, is that baby boomers got one year closer to cashing in on all those Social Security, Medicare, and Medicaid payments which they are owed, but which have conveniently been ignored in tallying up federal debt.Krugman dismisses the terrible zero sum generational game we are playing with our kids. He sees our economy operating at less than full employment and says that if the government spends more on what it labels as purchases or transfer payments the economy will be stimulated, everyone will be hired, and the extra spending covered by the associated extra revenues.Something for NothingThis is the second fable -- demand-side voodoo economics -- that more spending will beget more taxes. But it's also the first fable -- supply-side voodoo economics -- that less taxes will beget more taxes. The reason is that cutting someone's taxes is, apart from words, no different that increasing their transfer payments so since Krugman believes that more transfer payments will pay for themselves, he must, perforce, believe tax cuts pay for themselves.Believing that we can get something for nothing -- that we can, in effect, produce mana from heaven by being more fiscally profligate -- is believing in magic. This is why President Bush, the senior, properly called such fantasies, when they were being espoused by Ronald Reagan, "voodoo economics." And when George Bush, the junior, cut taxes, Krugman routinely skewered him for doing precisely what Krugman is now advocating -- praying for mana.But let's assume Krugman has it right and that gambling yet further with our children's economic future will restore the economy to full employment. How much of the fiscal gap will go away? Precious little.Given the recent tax hike and sequester cuts, my guess is that this June's Alternative Fiscal Projection will look better, that the fiscal gap will fall to $200 trillion, and that we'll be short, on an ongoing basis, not 12 percent of GDP, but 11 percent of GDP.The CBO projection has the economy returning to full employment (defined as 5.5 percent) in 2017.If we could miraculously and immediately get back to full employment at no net budgetary cost via spending that pays for itself that would mean, at most, 5 percent more GDP for 4 years relative to what the CBO projects will arise. In terms of lowering the fiscal gap, this would contribute perhaps 2 percent in net revenue for four years against the 11 percent in additional net revenue needed in those years. But, and this is key, it would do nothing to come up with the 11 percent of GDP in net revenue needed for every year in the country's future beyond 2017. The point is that we'd still have an absolutely enormous fiscal gap to deal with even if more voodoo finance pays for itself and immediately gets the economy back to its potential GDP.Earth to Paul Krugman. We've just spent four years experimenting with demand-side and supply-side economics. During this time, the fiscal gap rose by $42 trillion to its current value of $222 trillion. If the fiscal gap in June is $200 trillion, as I predict, its $22 trillion decline won't reflect the healing power of your crude Keynesian voodoo policy, but real tax hikes and spending cuts.So as a means of achieve fiscal solvency, neither Keynesian demand management nor Reagan supply management is working. Yet Krugman and his partner in economic crime -- Larry Summers -- would say more voodoo medicine is needed. But we gave the patient a very big dose and he didn't respond.Meanwhile the underlying structural drivers of the long-term fiscal gap were ignored with all attention focused on the "short term." Again, every passing year brings us closer to all 78 million baby boomers receiving their benefits. These projected payments are like zero-coupon bonds. We're not feeling any cash-flow pain from them now, because Congress arranged the payment stream to delay when they come due. But they will come due shortly.Social Security, Medicare, and Medicaid expenditures are a 35 percent larger share of GDP today than in 2000. President Obama was able to stabilize this growth in his first term, but he didn't reverse it. Meanwhile, the way his healthcare reform was implemented could lead to explosive costs. There is a huge incentive under the Affordable Care Act for employers to shut down their health insurance plans, pay the relatively small penalty, and ship their workers over to the new health exchanges where the vast majority will get very large subsidies. This was one of the few things that Mitt Romney actually got right. But the Congressional Budget Office doesn't have this baked into their projections as far as I know.Don't Forget About InflationThe last fable -- fable three -- is that we can pay off our debts, no matter their labeling, simply by printing money. There is, today, a band of very prominent pundits and policymakers, I'll call them the Money Printers, who think the U.S., the UK, the Eurozone, and Japan can safely print tons and tons of money, pay their bills with this paper, and never have to worry about inflation. The ranks of the Money Printers include not just Krugman, but also Fed Chairman Ben Bernanke, FT columnist, Martin Wolf, Adair Turner, head of the UK's Financial Services Authority, the new Prime Minister of Japan, Shinzo Abe, IMF chief Christine LaGuarde, and the list goes on.But we've seen this movie for five years now, and it's a horror show. Since 2007, the developed world's central banks have roughly tripled the basic amount of money, called the monetary base, that existed in 2007. This has laid the groundwork for a tripling of the price level, i.e., for hyperinflation. Yet the printing presses continue to run at full tilt every second of every minute of every day. Here, again, we have reckless endangerment of our children with no accounting of the generational risks being imposed.In the last century, 20 countries ended up with hyperinflations by using the printing press to avoid taking fiscal responsibility. Now we have virtually the entire developed world printing money out the wazoo.Krugman's response is, "Where is the inflation? Where are the high interest rates?"My answer is give it time. The long history of fiscal and financial crises is that they happen abruptly, at a moment that seems not to matter, but in retrospect it was easy to see that the crisis would eventually materialize.I'm not a religious person, but this quote from the bible seems apt: "When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me."The belief in and practice of voodoo economics, extraordinary reliance on the printing press, and the intentional use of deceptive measures of our nation's fiscal obligations is, at its root, childish, selfish, and self-serving behavior by people who don't deserve the title of "adult."Laurence Kotlikoff is an economist at Boston University and President of Economic Security Planning, Inc. whose company markets Maximize My Social Security and ESPlanner (Economic Security Planner).
PSA expensive .223 AMMO 20rds / $21.99
Added on : Tuesday March 12th 2013 04:00:02 PM
For those of you who can afford to load a rifle with the dollar bills here is the dealHornady .223 Rem 75gr TAP FPD 20rds 80268$21.99Hornady TAP .223 Rem 55gr TAP FPD 20rds 83278$21.99As for me it is a way too much
Life Insurance - What features to look for in a policy?
Added on : Saturday March 09th 2013 03:01:05 PM
I'm in the market to purchase Term Life Insurance for myself. I've never purchased before so the process of shopping around and learning about policies and convertibility is new to me. Been lurking on a different informative thread. I'm enlightened yet confused. Me: Female, 37 years old, non-smoker, not married, no kids. Based on the Health Analyzer on term4sale.com, I am rated Preferred. Just purchased a rental property w/30yr mortgage but no primary home.
Policy: $1MM, 20 year term
Reason for purchase: I've got an aging parent and sibling with no real savings or retirement plan (self-employed for the past 40 yrs, made enough to pay the bills). I want to make sure they're taken care of should something happen to me. Also chose 20 yr because that's when my sibling will start receiving Social Security.What are some factors (besides cost, rating) I need to consider when shopping around? I realize the money is gone when the 20 yrs is up. Blogs I've read talk about converting it to Whole Life as I get closer to the end, and some have Long Term Care advantages. Some family members say their policies will give them a guaranteed payout after X years. Are there term policies that can convert to such a product? Any advice would be appreciated - thanks!
Telecom & Entertainment Bills - How Low Do You Go?
Added on : Saturday March 09th 2013 09:01:43 AM
Here is a monthly breakdown of what I am now currently paying...AT&T High Speed DSL w/o Phone (150GB bandwidth cap): $19.95/mo.Republic Wireless Unlimited Cell Phone Service w/ Data Plan: $19/mo.Netflix: $7.99/mo.Ooma VOIP Telephone Service: $4.08FreedomPop Mobile Wi-Fi Hotspot (sometimes use along with Republic Wireless): $0Roku HDTV: $0Over-the-Air HDTV: $0Grand Total: $51.02/mo.
Upfront investment costs...Ooma Telo Kit: $149 total shippedFreedomPop Hotspot: *$95.95 ($89 + $6.95 shipping + no tax)Republic Wireless Upfront Phone Cost: $272.02 after tax + free shippingRoku LT: $49.99 shippedGrand Total: $566.96
*The cost is partly refundable and is considered a deposit.
I can see why phone and TV companies want so badly to have bandwidth caps and to fight net neutrality laws. People like me will give them a run for their money! lol
Lessons learned from two years of living on visa gift cards.
Added on : Monday March 04th 2013 03:00:58 PM
Here is a list of lessons I've learned using visa gift cards, dealing with loss, fraud, and other practical matters. Hopefully, others with find this useful.Top uses of gift cards:
-Everyday spend
-Bills, cable, gas, water, insurance (overpay when possible)
-Taxes, IRS, property tax
-Online payment systems
-Giftcard Granny and CashBack portals to stack.Purchasing:
-I purchase in my neighborhood grocery story, most cashiers know me by site and let me purchase a few at a time. I've only run into hassle in less affluent locations of the chain.
-When stacking is available, I'll visit several times a day.
-With the friendly cashiers I'll tell them what I do, some of them have told me they've started paying their property taxes and are very pleased.Draining:
-Az pmts
-Square for small values~$40 a quarter.
-Gas station for values less than $1, square/AZpmts won't take less than $1.
-Az gift cards for less than $1.Records keeping:
-I keep every card in three stacks. used, reviewed, archived
-Used are for cards with a small residual value.
-Reviewed are cards I've drained through AZ, square or gas station.
-Archived are cards I've let sit for several months to ensure all charges have been posted. Sometimes there is a latent residual value that will pop up even on drained cards. I cut and paste the activity of the archived cards into and excel spread sheet for tax purposes.
Fraud, loss, and other buffoonery.
-I purchase regularly from a major grocery chain. I've experienced fraud once and a misplacement of $5k worth or cards.
-Someone scratched out the number of my card, and somehow drained the value after I purchased. For the fraud I called the grocery store gift card hotline (not the visa hotline). Grocery store department opened a fraud case for me and I had a replacement card within 10 days. To avoid fraud, make sure the card you purchase is in a unmarred package that is exactly like every other card on the rack.
-The loss of $5k in cards was painless. I had the receipt, I called the hotline, verified my identity and the card used. The person on the hotline did some investigation and gave me the numbers and balance, which I used to pay taxes. If I needed the physical card I would have used their case file, and my receipt to have Visa re-issue me the card.
Bottom line: keep receipts, shop at a reputable store and don't panic. Don't call visa hotline, until you've solved the problem on the grocery store end. Also the actual store won't be as helpful as the corporate hotline. I was very impressed with the customer service I got in my cases.Stacking rewards:
-The regional branch of my national chain used to send a Cash Back check, then phased that out for gasoline rewards. I have traveled to other regions and purchased gift cards from another branch and did receive the rewards check at the end of the quarter. Registering cards for online:
-usually I do not, but many merchants require it. If the card is initially rejected, I'll then go and register it and then re-try the purchase.
-No need to register for AZ, IRS or property tax.Purchase protection, returns, travel:
-If I purchase something I want extended warranty on, I use my regular credit card, AMEX rocks in this.
-Returns are sometimes a pain, if I've 'retired the card' sometimes I can get them to return to a different card, but often I'll have to dig in the archives to find the exact card.
-One time I got lucky at a home improvement store and they refunded nearly $500 in cash.
-For hotel, rental car, I give them typical credit card at check in and close out bill with gift card.Please post your lessons or PM me with questions.
I've been using mint awhile but it doesnt offer me the option to pay my bills on the spot. I still have to login and everything to just pay my 6 credit cards. What does everyone else do to keep track of their CC's and know when to pay it?Also anyone knows of a desktop or browser widget that shows my CC balance and bank balance at a quick glance without having to login to anything.thanks!
Hilton Amex discontinuing double points for wireless/cable etc
Added on : Friday March 01st 2013 02:01:01 AM
Normally, I just shred my statement - so would have never noticed the change.Effective the first billing period that begins after May 1, 2013 - no additional points for wireless/dsl etc. The new schedule is as follows:7 Points: Hilton properties booked directly
5 Points: Restaurants, Gas stations, supermarkets
3 Points: Everywhere elseAny recommendations for getting more mileage out of wireless/phone/dsl etc bills?
Issue:
So my parents own a commercial property and we recently received a bill from our water department in the amount of over 20k. Upon further reading, the water dept discovered that the property had not been billed a surcharge for over a decade due to a forgotten meter.My parents are fine with paying the amount of what should have been charged when they were using the property. The problem is, my parents also had a tenant for 3-4 years during the last decade of which they no longer can get a hold of. To make matters worst, our Water Department at the time (and still do) did not change the name of the water bill to the tenant's name when the tenant leased the property. Rather the Water Dept required the bills be in the name of the property owner (my parents). As a result, the water bills were under my parent's name for the last decade and the Water Dept stated that it is my parent's sole responsibility for the 20k bill (including the tenant's). They are threatening to put a lien on the property if it does not get paid.What has been done thus far:
My parents met with a manager at the Water Dept to discuss our issue. However, the manager took down the information and told my parents that they would come to a decision within 30 days. My parents received a letter a few weeks later outlining the Water Dept's investigation and concluded that my parents are solely responsible for the full amount derived from Pennsylvania state law and reiterated the lien.
I'm kindly asking what others would do in this situation.Thanks in advance!
HELP? I am an irresponsible fool
Added on : Sunday February 24th 2013 04:01:00 PM
Dear FW,I am 19 years old. I graduated from high school in June, and since August been serving with AmeriCorps (national service org) working in a title I elementary school making around $460 every two weeks. I pay no rent, and my only consistent bills are $100 for a cellphone and $40 for a gym membership. When I have no money, I am perfectly content staying at my house, but when I do get paid I have a tendency to go out and start spending. I spend my money mostly on food , and stupid tacky stuff. I have nothing saved up from what I have made, and in fact I already am $92 in debt from moneytree. I am trying to become more financially responsible, and I'm appealing for advice on how to start. I tried calling up my cellphone company to downgrade my plan, I have no use for this "unlimited data" and whatnot, but they refused because I have a fancy phone. My AmeriCorps program ends in June and afterwards I'm planning at starting at a local CC (fortunately grandparents will cover tuition). I'm just trying to save up a small bundle to go on a small trip abroad to an affordable, politically stable country, potentially Indonesia. How much money can I realistically save up until June?
Tax question: claiming education expenses as job related expenses?
Added on : Saturday February 23rd 2013 06:01:32 PM
Hi,My wife and I are both going to graduate schools (part time) while working full time. Our respective employers reimburse a small portion of the tuition bills (up to $5k). We pay the rest. We file taxes jointly. Because of relatively high AGI, we do not qualify for any tax benefits on education expenses directly. However, our classes are directly related to the jobs we both do (and we are sure about that) and thus we should be able to consider them as expenses for continuing education. I am planning on entering unreimbursed portion of the tuition as job-related expenses. It is not going to give us a lot of savings (about $1K net), but even a little bit of tax savings helps. Any problems with doing this? PS: I anticipate a fair amount of 'consult your tax advisor' responses. I know I can do this. But hopefully there are people out there who did the same thing in the past and can share their experiences...
The standard formula to find Working Capital is:Working Capital = Current Assets - Current LiabilitiesWhy is Working Capital the difference between Current Assets and Current Liabilities ?What does that shows ?If you need to know how much money you've got to pay the bills, how does that formula helps ? It only shows you how much money you have AFTER you've payed the bills !I mean, if I have $500 in Current Assets and $400 in Current Liabilities, i'll need $400 minimum in Working Capital, not $100 (which would be the difference between Assets and Liabilities.)
Can anyone help me with this ?
Thanks.
Should I buy my mom's home and rent back to her?
Added on : Friday February 22nd 2013 01:01:06 PM
I seek the wisdom of FWF on a personal issue. My mom (62 yo) has fallen on hard times. She did not adequately plan or prepare for her future. Due to the economic troubles, she had to close her previously successful business. She has been looking for a new job (even minimum wage type things), but not having any luck. Unfortunately, I did not know how bad things were until recently. The current situation is as follows:House worth ~$300k, but open HELOC of $70k at ~7%. HELOC payment is $750/mo. Back taxes of $12k are owed.
She has entered judgements in the amount of ~$12k; unclear whether these have been entered as liens against the property.
She has a car which will be paid off in another month or two. There are no other significant assets.
Social Security income of ~$1,600/month.She has already been advised not to declare bankruptcy as the creditors could force sale of the house.The house needs significant repair work. The monthly expenses of HELOC payment, high energy bills, insurance, and food (not to mention the property taxes which are piling up and not getting paid) are simply more than mom can afford, and I have been contributing each month. Expenses will be $2500/mo (after car paid off). I feel as if she just can't afford to live there anymore and it's really dragging us both down. If something happens to me or my job, we could both be out on the street. I would like mom to sell the house and get a cheap apartment or move in with me. I hate for her to lose her home of 30 years, so I am searching for alternative options. Would it be possible for me to buy the house from her at a below-market rate of perhaps $100k which would pay off the outstanding debts? This would be a second residential mortgage for me; would I need to put down 20% of the purchase price, or could I get away with 0% down given the value of the home is much higher than the mortgage? I would rent back to my mom at maybe $500/mo. I'd like to stabilize the situation until she can get a job and get ahead a little. Would I be able to write off losses associated with the home on my taxes, or would it be a problem since it would be family-occupied? Is this just a terrible idea? Alternatively, has anyone had good experiences with reverse mortgages?I appreciate any feedback FWF might have.
Some background info first:-My parents are divorced (since 2008)
-Dad pays mom 2.5K/mo alimony, plus she has an $11 per hour full time job. Other than these details, I'm not sure what her total income is.
-Mom lives in a 2 bedroom house which she owns and has a mortgage for with my 14 yo sister.
-As far as I know, before now my mother's credit report was squeaky clean and she had never carried a balance on a credit card in her life.Recently, out of the blue my mom called me while I was at work. She was in a panic and asked if she could borrow $3500 because the heating system in her house broke and needed to be replaced. She only had 5K in her savings and didn't want to use it because she wasn't sure if she would then be able to pay her other bills. I thought about it for a second, and about how I wouldn't even be here without my mother, I told her yes, of course I would let her borrow the money. I wasn't worried about her paying me back, I knew she would, she is my mother. Anyway this got me concerned about her financial situation, so I immediately asked her to dinner.At dinner, I pried for more details about her financial situation. She told me the following:
- She only has $250,000 saved for retirement (She is 54)
- She has $7,000 in credit card debt
- She was recently unable to pay some of her CC bills on time, even though in the past she had been paying over the minimum
- There was an incident where her mortgage company claimed she didn't make her mortgage payment, and yet she did. She was apparently able to resolve this with the mortgage company, but it is still possibly on her credit report.
- After the missed CC payment and mortgage payment fiasco, her credit cards all found out and reduced her credit lines
- Her credit has taken a dive to about ~640 from the above. I think it was primarily the mortgage payment.
- My biggest concern is that she didn't seem all that worried about carrying the CC balances. She said "It's fine since I'm only paying the minimums".
- Her phone bill is about $300 per month because she and my sister have multiple ipads/phones/etcs. She also is often late on this bill, though I'm not sure if this is affecting her credit.I tried to give her the following advice: Get your free annual credit report, and see if the mortgage thing is still on it. If so, dispute it with the CRBs. Hopefully this will restore your credit to the point where you can move that 7K of debt over to a personal loan with maybe 10% interest, as opposed to the 25% interest rates of the CCs. She seemed lukewarm to the idea, and though she said she would be interested, I doubt she is going to do anything without me pushing heavily.TL;DR, my mom is starting on a slippery slope, doesn't seem too worried about it and I want to help her. Any advice?
Excellent reviews on Amazon and it costs $44.95 there. Granted these are "refurbs" but how much of a refurb could it be? Only $17.99 here. Surprisingly they did add sales tax for me. Never did before as I've used 1 Sale a Day a few times.Link here.......http://1saleaday.com/main/Amazon reviews here.....http://www.amazon.com/Winegard-FlatWave-Indoor-Digital-Antenna/p... Product InfoStop paying cable bills and unlock the FREE in your TV! With the FlatWave antenna, you'll be able to watch the most popular shows broadcast on the major networks, along with bonus channels your cable or satellite programming provider doesn't offer. Best of all, there are no monthly fees, no contract, no installation fees, no credit checks and no cancellation fees! 90% of the most-watched TV shows are available on local stations, so why should you pay money for something you can get for free?Ideal for urban areas, this is Winegard's best performing indoor antenna yet. Enjoy live local broadcast programs in both standard and eye popping 1080 HD. Ready out of the box, the translucent FlatWave antenna is so thin and clear, it can be placed practically anywhere, on your window, wall or even behind pictures and flat panel TVs!No assembly required. Just connect it to the TV, perform a channel scan and you'll be watching free TV in just minutes. If you have any questions setting it up, be sure to use the complimentary telephone support service. The FlatWave is also a great back-up in situations where reception may be lost.
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RIP off in healthcare
Added on : Thursday February 21st 2013 01:01:26 PM
A nice read to know why healthcare is so costly.
Am I the only feeling that its a RIP off and there is no law to prevent such exorbitant price.http://healthland.time.com/2013/02/20/bitter-pill-why-medical-bi...Few excerpts
$283.00 for chest x-ray where as medicare would only pay $21
$15,000 for blood test . Medicare would pay only few hundred "We spend two or three times that much on durable medical devices like canes and wheelchairs, in part because a heavily lobbied Congress forces Medicare to pay 25% to 75% more for this equipment than it would cost at WalMart."
Update: Need some advice from older people (since im 25 now)
Added on : Monday February 18th 2013 11:00:57 PM
Original PostWow does time fly. Its been a while since Ive been on fatwallet. I just wanted to get some more opinion's and give an update. Here is my message for those too lazy to click Date Posted: Sep/11/2006 9:00 PM
Im 25 now, make around 60k, single. I have about 8k in CC loans at (2.99 apr), 15k in school and about 10k of car loans. I have about 3k in savings in 3k in stocks. I live at home but do pay part of the mortgage, about 800 a month. Ive been telling my self I have till im 30, to have fun, try to get rich, etc. I just feel instead of being at or around where a 30 year old should be in terms of stocks, cash etc im more around a 22 year old. TAXES ARE KILLING ME
Should I be more concerned about paying off my bills or playing around with stocks, I dont plan on getting married anytime soon.
I just think in this day of age with all these open doors you have no reason not to have your wallet padded.
Looking for some guidance, I just dont wanna look back 10-15 years from now and fell I didnt try hard enough or didnt take enough risk in trying to get to that 1 million dollar figure.
Please note since then I have bought a house with my parents so I do get back SOME money from the IRS but nothing near what they take.
Here is an update:Now I'm soon to be 32, Still single, still own the house with name on title. Sadly we paid somewhere around 380k back then, I just checked the value and it's estimated to be worth around 240k. I was laid off from that job around 2010 and was able to get back into my industry in Sept of 2011. While unemployed I used up all my savings, maxed out my CC to pay bills and came within a month of tapping into 401k. Thankfully I know make 120+ a year and can feel my life is starting to go from red to green. With that said here is where I stand financially.CC debt is around 18k
House mortgage is around 300k
College loan is 10k
401k is about 40k
I have about 2k invested in lendingclub
2k in savingsMonthly check after 6% 401k is around 7k
-2000 taxes, help with parents mortgage -2000, leaving me $3k for rent, food, cable, phone, gym, etc with anything left over going towards savingsGoal for Dec 2013 is to be 1) Pay off CC and a good chunk of college loan. Also my current car is over 10 years old and is on its last leg. Its currently in need of about 4k in repairs so I might as well get a new one. I am debating between buying or leasing a hybrid. With gas going north of $4 a gallon I think it would be a wise choice to go with hybrid. I estimate this will cost around $300 a month.My question for the forum is what should I start thinking about once I have paid off the CC and college loan? I'd love to buy some real estate and put it up for rent but I think at my age and with upcoming expenses (marriage, kids in the next 5 years that might be hard to save up for)
Credit Karma is now offering a new feature allowing you to link your credit card accounts for free. It is a Limited Sign-up - 10k max. Credit Karma itself is a free credit score monitoring website - I've used them for a while and the site gets good reviews and is secure. Here are the details:If you connect your accounts to Credit Karma, we'll keep an eye on them for you and update your information without you ever having to think about it. Plus, for each connected account we'll:Remind you when a bill is due
Notify you when your bank account funds are low
Alert you when a bank charges you a fee
Automatically categorize your transactions
Tell you when your credit card's limit or interest rate has changedConnect your accounts to:Track bills and spending habits
Compare credit report data with your real-time bank account data
Receive email alerts on all of your accounts to stay on top of your financesSafe & SecureBank-level encryption
Secure connection
No credentials stored in our databaseLink:Linky
Hi there. As you might guess, I'm a big fan of the hot deal. Between recently building a computer each for myself and my parents, and normal shopping, I've accumulated a number of these prepaid debit cards (which many companies seem to have switched to from rebate checks).I started by turning them into Amazon gift cards, but even those are at a level now that I won't be able to spend for a long while, and it would be nice to have actual cash to pay down some credit card bills.Anyone have any ideas for fast, free (or with minimal fees) ways to turn these rebate cards into cash?
Free Phone and Captioning Service for Hearing Disabled
Added on : Thursday February 07th 2013 03:00:42 PM
If you know anyone in the US who is hearing impaired, please refer them to this totally
free service. Free phone and captions service for hearing disabled. I am hearing disabled and ordered this phone. Please pass the information along so the hearing impaired can enjoy this free service. It is paid for via line subscriber taxes we all pay on our phone bills under American for Disability Act.CLR105414 Promo Code for free phone.www.captioncall.com website to find more information about the phone.Request information and use the promo code above and you will get a new phone.
It has a volume control that you can use to turn it to 4odB or
you can specialize to what your hearing loss is.
Free Phone and Captioning Service for Hearing Disabled
Added on : Thursday February 07th 2013 02:00:10 PM
If you know anyone in the US who is hearing impaired, please refer them to this totally
free service. Free phone and captions service for hearing disabled. I am hearing disabled and ordered this phone. Please pass the information along so the hearing impaired can enjoy this free service. It is paid for via line subscriber taxes we all pay on our phone bills under American for Disability Act.CLR105414 Promo Code for free phone.www.captioncall.com website to find more information about the phone.Request information and use the promo code above and you will get a new phone.
It has a volume control that you can use to turn it to 4odB or
you can specialize to what your hearing loss is.
Another real estate decision - should we just take the hit now?
Added on : Wednesday February 06th 2013 09:01:24 AM
I want to give a full picture of our situation. I posted a while ago (somewhat controversial) about refinancing our condo and your insights paid off. We live in MA where the real estate bubble was horrible. In 2005, we paid $210K for a condo and now owe $190K. The area is not the best and it was originally a 3-5 yr plan - before kids, although now we have one and, round trip, I have a 3 hour commute each day. We need/really want out, which I'll explain so I don't receive "deadbeat" or "you're the problem with this country". The finances:Mortgage payment: $1280 + $310 condo fee = $1590/month (taxes are ~$1,500)Earnings/Savings: HH income of ~$160K give or take ~$10K; max out my 401(k); my wife contributes to SEP; 6+ month emergency fund; college fund for daughter; very low bills (no credit cards, one small car payment); however, separate from all of that, we have $70K set aside to buy a new/second primary home.The idea was to refi to get the condo payment down and rent it out so we could buy a new home. We can get $1,200 in rent for the condo, which means we would pay $400 out of pocket every month to make up the difference. Horrible, I know, but walking away just isn't an option to us and we don't qualify for a short sale. We felt that we could take the $400 hit each month and "wait it out" perhaps forever/until paid off because I know this thing will never be worth what we paid (arguably, it never should be or the bubble will burst again). The "hit" would obviously be larger due to vacancy and maintenance etc.However, I recently joined the condo board as I figured it would be a great way to stay close to the building/tenants when renting it out and then I quickly realized that the reserves are in serious danger. So many people have walked away w/o paying condo fees ($17,500 condo fees in collection). The building is historically registered (I learned a valuable lesson there) and the whole board is quietly questioning the building's future and we are talking about another assessment, shortage of fees/revenues, needing to increase condo fees, and while the expensive granite facade is beautiful, it's extremely costly to maintain. Essentially, I can't fathom how this building will be maintained, in the long run, due to his historic age and constant need of repairs.Long winded, sorry. But the point is, not only is the condo unit a bad investment for us, which we were willing to ride out, but now the entire building just doesn't seem to have a bright future. This whole situation is very upsetting to us. Not a moment goes by without me stressing out about getting my young family in a house (schools etc.). Literally, whether right or wrong, I lose sleep over it.I just had three CMAs completed - all came in close with a value of ~$120K-160K. There is no way we get $160K.Say we could get an offer for $130,000: How effing crazy am I to give the bank my additional $70,000 now just to stop the bleeding and get this all behind us? Yes, we could rent it and take the $400/month hit (plus vacancies etc.), but that limits our next buy. Its such a crazy idea to give the bank our $70K, but I just think the whole situation needs to be over with. If we surrendered our savings, we could rent for year and then have a FHA etc. down payment for a house we want to be in. We would be out the $, but happy.Please help. Am I nuts?
Ultimate FWFer
Added on : Tuesday February 05th 2013 03:01:03 PM
I'm sure one of the 18 had to be trolling here.http://www.nbcnews.com/id/50704844#.URFy4WdZ1bU"Eighteen people were charged in what may be one of the nation's largest credit card fraud rings, a sprawling international scam that duped credit-rating agencies and used thousands of fake identities to steal at least $200 million, federal authorities said Tuesday. The group used at least 7,000 fake identities to obtain more than 25,000 credit cards, Fishman said. He said $200 million in documented losses could rise.Participants set up more than 1,800 mailing addresses, creating fake utility bills and other documents to provide credit card companies with what appeared to be legitimate addresses. Once participants obtained the cards, they started making small charges and paying off the cards to raise their credit limits.They then sent fake reports to credit-rating agencies, making it appear that cardholders had paid off debts, setting the stage for sterling credit ratings and high credit limits."
Help me Fatwallet you're my only hope (New Job and need your wisdom)
Added on : Tuesday February 05th 2013 12:01:10 PM
Oh wise Fat wallet Sages I seek your wisdom. I have an account, but my normal account contains part of my name and since Im giving some personal financial information I opted not to use it. Background:
Ive worked in the past in the Phone industry, Bank, University, and Health care provider, but I feel that this latest job will be a potential career (CA govt). I know Im a bit behind in my savings, but I took a hit during the recession and had issues with an investor that I trusted. I would greatly appreciate any tips or suggestions to maximize saving / investing for starting a new career and possibly new outlets that I havent contemplated. My current plan is to go back to school (part time) while working. Because I have limited experience (in auditing) I was thinking of going to the local junior college and getting an accounting AS or certificate to fortify my knowledge base. I also would like to get a Masters for career development, but Im not sure what MS Accounting or MBA and if it is needed (read an article about several people with post graduate degrees saying it wasnt worth it)Personal info:
Age: 28
Children: none (dont really want any)
Status: Single
Current Bachelors: EconomicsFinances:
Car: paid off
Housing: Paid for I just pay utility bills
Savings: 401k: $4,000; Liquid: $1,000
Travel: Drive about 600 miles a month, but I may drive more with the new job
CC Debt: $2,000
School Debt: $10,000 (I can pay this off with an UTMA)New employer:
state Govt
Salary: 40-50kGoals:
Go back to college and get a masters (in 4 years).
Save for college and retirement.
Look into possible rental properties (5 years)
New car, hopefully something sporty
Questions:
Is there an account to save up for ones own education? I know there are 529 but I think those are mostly for dependents.
Do I need insurance if I have no dependents? I think that my savings can cover my funeral expenses.
Based off what Ive listed do you have any tax saving tips?
For a person in the audit industry, what Masters program would you suggest?Also if you have any other comments or suggestions or need to clarify anything please post.Thanks,TLDR: I just started a new job with state govt and I need suggestions on how to maximize my potential earning / savings (Ie: post graduate schooling, Saving 401k/Roth) so I can avoid my fear of working when Im old.
Chase website - change in credit card payment - rant
Added on : Sunday February 03rd 2013 08:00:53 AM
I use the "transfer" feature on Chase's website to pay my credit card bills. This allows me to setup set payment amounts to auto transfer each month and allows me to transfer $ before the charge has finalized. It appears they moved all Credit cards under Pay Bills and your only options now is to pay the minimum or pay in full (if you want repeating payments). My pre-existing transfers now only have the option to cancel. This is really irratating as I make 3-5 payments a month and sometimes like to initiate the transfer as soon as I make a charge rather than having to remember to go back 2-3 days later after the charge is posted.Anyone else having this problem?
Citizen's Bank - $150 for Checking with DD and 3 Billpays
Added on : Friday February 01st 2013 11:01:02 AM
Public offer available at citizensbank.com/150From their site: How the offer works
1. Open your first new personal checking account by 2/28/13.
2. Get $50 when you setup direct deposit and have a single
deposit of $500 or more clear your new checking account by 4/30/13.
3. Get $50 when you enroll in Online Banking and pay 3 or more bills online that
post and clear your new checking account by 4/30/13.
4. Get an additional $50, for a total of $150, for completing both steps 2 and 3
by 4/30/13
The personal banker told me that they only do a Chexsystems pull but I haven't confirmed. Thinking about pulling the trigger there - account only requires 5 debit transactions a month to avoid the fees. Anyone know if it can be funded with CC or combined with this offer: http://www.citizensbank.com/555/
AKRON, Ohio, Jan. 7, 2013 FirstMerit Bank announced today that it has launched three exciting reward programs for its checking account holders who use FirstMerit debit cards.
https://www.firstmerit.com/pdf/MeritRewards_Program_Description....Activation Bonus
You can earn up to $150 by participating in our convenient banking services. Qualifying services include:
 Bill Pay. Pay three bills per month for the first three months following enrollment to qualify. Not
available for accounts already set up with this activity.
 Direct Deposit. Make two direct deposits of $250 or more into your account each month for two
consecutive months following enrollment to qualify. Not available for accounts already set up with
this activity.
 Paperless Statement. Sign up for paperless statements and receive paperless statements for two
consecutive statement cycles following enrollment to qualify.The more you participate in qualifying services, the more you earn:
$25 for participating in one service,
$75 for participating in two services and
$150 for participating in all three services.New account customers must enroll in the qualifying services within 90 days of account opening. Payment of MeritRewards Shop & Earn Bonuses
Your MeritRewards Shop & Earn bonuses will be paid as a direct deposit to your account within 30 days of the
MeritRewards Shop & Earn enrollment anniversary date provided your original qualifying account is open (or
you have upgraded to another qualifying account) and your account is in good standing on your enrollment
anniversary date
Amounts paid may be subject to IRS tax reporting. You are responsible for any personal tax liability associated
with receipt of MeritRewards Shop & Earn bonuses.
Fees
A monthly fee for MeritRewards Shop & Earn may apply as set forth defined below:
Reality Platinum,WorkPlace
Platinum & CFMA
Reality Gold & WorkPlace Gold All Other Retail Checking
Accounts
Free Free $1.00 per month
also $10 for referrals
https://www.firstmerit.com/personal/checking/referAfriend.aspx3 types of accounts available. Details are here.
https://www.firstmerit.com/personal/checking/index.aspxIllinois, Michigan, Ohio, Pennsylvania, Wisconsin only
Open a checking account
with direct deposit and
get $200

With a U.S. Bank checking account you get the freedom to bank where and when you want:

Get the convenience of over 5000 U.S. Bank ATMs and 3000 branches.Pay your bills online and save on postage.Check your balance from your smartphone when youre on the go.Bank anytime with 24/7 phone banking.And it's easy to avoid paying monthly maintenance fees with direct deposit and other waiver options. Find out more now.Offer expires March 31st, 2013.Or stop by any branch, or call 855-236-7283.
Use Promotion Code CK0331YTextText when you open your checking account.
AKRON, Ohio, Jan. 7, 2013 FirstMerit Bank announced today that it has launched three exciting reward programs for its checking account holders who use FirstMerit debit cards.
https://www.firstmerit.com/pdf/MeritRewards_Program_Description....Activation Bonus
You can earn up to $150 by participating in our convenient banking services. Qualifying services include:
 Bill Pay. Pay three bills per month for the first three months following enrollment to qualify. Not
available for accounts already set up with this activity.
 Direct Deposit. Make two direct deposits of $250 or more into your account each month for two
consecutive months following enrollment to qualify. Not available for accounts already set up with
this activity.
 Paperless Statement. Sign up for paperless statements and receive paperless statements for two
consecutive statement cycles following enrollment to qualify.The more you participate in qualifying services, the more you earn:
$25 for participating in one service,
$75 for participating in two services and
$150 for participating in all three services.New account customers must enroll in the qualifying services within 90 days of account opening. Payment of MeritRewards Shop & Earn Bonuses
Your MeritRewards Shop & Earn bonuses will be paid as a direct deposit to your account within 30 days of the
MeritRewards Shop & Earn enrollment anniversary date provided your original qualifying account is open (or
you have upgraded to another qualifying account) and your account is in good standing on your enrollment
anniversary date
Amounts paid may be subject to IRS tax reporting. You are responsible for any personal tax liability associated
with receipt of MeritRewards Shop & Earn bonuses.
Fees
A monthly fee for MeritRewards Shop & Earn may apply as set forth defined below:
Reality Platinum,WorkPlace
Platinum & CFMA
Reality Gold & WorkPlace Gold All Other Retail Checking
Accounts
Free Free $1.00 per month
also $10 for referrals
https://www.firstmerit.com/personal/checking/referAfriend.aspx3 types of accounts available. Details are here.
https://www.firstmerit.com/personal/checking/index.aspx
Yet another AOR for your review and feedback and helpful advice
Added on : Thursday January 24th 2013 02:01:03 PM
Hi everyone,
Obviously I am not rediscovering the hot water here, just hoping to get constructive criticism on my attempt for an AOR. I have spent many years following FWF but the environment is so dynamic, that it never hurts to get a much appreciated input from FWF veterans. Currently there is a similar recent reach for advice from another member on the same topic (http://www.fullofdeals.com/forums/finance/1249347/), but just as mentioned above, every case is just as much the same as it is totally different.My current CC line up
Capital One; Since 09/08; CL $3,000.00; $0.00 balance
AMEX Blue for Students; Since 2003; CL $11,500.00; $150-300 balance paid off monthly
CITI Diamond Preffered; Since 2007; CL $24,920.00; $8,800.00 balance pending pay off as soon as my Discover BT clears (hopefully within 5-7 business days)
Chase Freedom; Since 2005; CL $7,100.00; $0.00 balance
Chase Ink Business; Since 2007; CL $5,000.00; $0.00 balance
Discover; Since 2004; CL $14,200.00; $13,896.40 after BT to CITI & my Checking account clear (that is including the BT fee)
PNC Points; Since 06 as NC Card; CL $7,950.00; $0.00 balance
Home Depot; Since at least 2005; CL - unknown; $0.00 balance
Target; Same as The Home Depot card. Have not used them for years.Not counting the HD and the Target cards, and after the recent Discover BT (0% for 18 months) clears:
Overall CL $73,670.00, Overall Utilization is approximately $14,000.00 = 19% with Discover in the really red zone of 97.86% and AMEX in the 1.30%.Have not done any soft pull CL increases since 2007 except for the Discover done a week ago from $11,700 to the current $14,200. No point to touch CITI, and AMEX does not offer me any BTs.I sold my house in September 2012 so that loan is closed. Previously I refinanced and consolidated my mortgages in 01/12. So that is 3 House loans closed withing 13 months.No car payments since 2004. My last known Credit Score average was 747 points back in 01/12 when I was refinancing my house. Never had a late or a missed payment. I have 2 student loans at $121.56 and 179.31 per month. Unfortunately those loans show up as six on my CR because they have 3 each lumped in. Another student loan was paid off less than 6 months ago. Total student loans balance is $17,722.18 and comes at a total of $300.87/monthLast time I applied for any type of loan was 01/12 for my house ReFi. Before that had another attempt probably around 08/11. Have not applied for any other loans since at least 2008 (last semester of student loans). Have not applied for any Credit cards since at least 2008 as well.I am currently a civilian government employee at $49,029.00/year before OT and my second job. This year my Gross W2 income will be around 58,000.00. I also hold a little shy of 25k in stocks.My ultimate goal is access to capital of at least $100k with the least amount of BT hassle - the easier it is to get the BT in my checking account - the better. After the BTs have been processed I will will be setting up automatic payments on the due dates equal to 120% of the minimum due, readjusted quarterly.This is my current target list which is still WIP. Please note - all CCs are $0 ANN FEE, $0.00 APR, 3-5% BTF, and BTD at least 12 months:
US Bank Platinum - 15mo
Citi Simplicity - 18mo
Barclay's Rewards - 12mo
Alliant CU - $0.00 BTF, 12mo, just not sure about the membership hassle
Chase Slate - 15mo with $0.00 BTF
PenFed Platinum Rewards - 18mo (would keep this for all monthly purchases/bills after that)
NFL Extra Points - 12mo
C1 Platinum Prestige - 15moOnce again, questions, comments, burns, constructive criticism and smart remarks are welcome.
US Bank -Open a checking account with direct deposit and get $200
Added on : Thursday January 24th 2013 02:01:02 PM
Open a checking account
with direct deposit and
get $200

With a U.S. Bank checking account you get the freedom to bank where and when you want:

Get the convenience of over 5000 U.S. Bank ATMs and 3000 branches.Pay your bills online and save on postage.Check your balance from your smartphone when youre on the go.Bank anytime with 24/7 phone banking.And it's easy to avoid paying monthly maintenance fees with direct deposit and other waiver options. Find out more now.Offer expires March 31st, 2013.Or stop by any branch, or call 855-236-7283.
Use Promotion Code CK0331YTextText when you open your checking account.
Yet another AOR
Added on : Wednesday January 23rd 2013 11:01:02 PM
Hi everyone,
Obviously I am not rediscovering the hot water here, just hoping to get constructive criticism on my attempt for an AOR. I have spent many years following FWF but the environment is so dynamic, that it never hurts to get a much appreciated input from FWF veterans. Currently there is a similar recent reach for advice from another member on the same topic (http://www.fullofdeals.com/forums/finance/1249347/), but just as mentioned above, every case is just as much the same as it is totally different.My current CC line up
Capital One; Since 09/08; CL $3,000.00; $0.00 balance
AMEX Blue for Students; Since 2003; CL $11,500.00; $150-300 balance paid off monthly
CITI Diamond Preffered; Since 2007; CL $24,920.00; $8,800.00 balance pending pay off as soon as my Discover BT clears (hopefully within 5-7 business days)
Chase Freedom; Since 2005; CL $7,100.00; $0.00 balance
Chase Ink Business; Since 2007; CL $5,000.00; $0.00 balance
Discover; Since 2004; CL $14,200.00; $13,896.40 after BT to CITI & my Checking account clear (that is including the BT fee)
PNC Points; Since 06 as NC Card; CL $7,950.00; $0.00 balance
Home Depot; Since at least 2005; CL - unknown; $0.00 balance
Target; Same as The Home Depot card. Have not used them for years.Not counting the HD and the Target cards, and after the recent Discover BT (0% for 18 months) clears:
Overall CL $73,670.00, Overall Utilization is approximately $14,000.00 = 19% with Discover in the really red zone of 97.86% and AMEX in the 1.30%.Have not done any soft pull CL increases since 2007 except for the Discover done a week ago from $11,700 to the current $14,200. No point to touch CITI, and AMEX does not offer me any BTs.I sold my house in September 2012 so that loan is closed. Previously I refinanced and consolidated my mortgages in 01/12. So that is 3 House loans closed withing 13 months.No car payments since 2004. My last known Credit Score average was 747 points back in 01/12 when I was refinancing my house. Never had a late or a missed payment. I have 2 student loans at $121.56 and 179.31 per month. Unfortunately those loans show up as six on my CR because they have 3 each lumped in. Another student loan was paid off less than 6 months ago. Total student loans balance is $17,722.18 and comes at a total of $300.87/monthLast time I applied for any type of loan was 01/12 for my house ReFi. Before that had another attempt probably around 08/11. Have not applied for any other loans since at least 2008 (last semester of student loans). Have not applied for any Credit cards since at least 2008 as well.I am currently a civilian government employee at $49,029.00/year before OT and my second job. This year my Gross W2 income will be around 58,000.00. I also hold a little shy of 25k in stocks.My ultimate goal is access to capital of at least $100k with the least amount of BT hassle - the easier it is to get the BT in my checking account - the better. After the BTs have been processed I will will be setting up automatic payments on the due dates equal to 120% of the minimum due, readjusted quarterly.This is my current target list which is still WIP. Please note - all CCs are $0 ANN FEE, $0.00 APR, 3-5% BTF, and BTD at least 12 months:
US Bank Platinum - 15mo
Citi Simplicity - 18mo
Barclay's Rewards - 12mo
Alliant CU - $0.00 BTF, 12mo, just not sure about the membership hassle
Chase Slate - 15mo with $0.00 BTF
PenFed Platinum Rewards - 18mo (would keep this for all monthly purchases/bills after that)
NFL Extra Points - 12mo
C1 Platinum Prestige - 15moOnce again, questions, comments, burns, constructive criticism and smart remarks are welcome.
Provident As Mortgage Servicer, any risks to closing escrow account ?
Added on : Monday January 21st 2013 06:00:56 PM
For the last 4-5 years I have done the taxes & insurance payments myself for my old loan. When I was rate shopping for a refi last year, I was found that including escrows in my monthly payment will give me the best rates, prices, etc. So, escrows were included and the loan eventually closed before Christmas. It was sold to Provident Funding on 1/2, with first payment due 2/1. I called Provident today and asked whether I could make the payments myself. The rep said yes, but they need a letter in writing from me and an email will do. I was told no charge and no impact to my loan terms, etc. As long as I do it before my first payment is due then I don't need to send in an escrow amount with my first payment.Question is - is there any negative impact to handling the escrows myself for this new loan ? Thinking FW Style - I know when the bills are due and depending on the bill can pay by CC and collect points, etc. All I have to do is send an email. Seems like a no brainer to me, but not sure if there are any implications since this is a new loan. Thanks!
Question about water service
Added on : Thursday January 17th 2013 01:01:05 PM
We moved to Texas in 2010 and the water utility service never billed us, but never shut off the water, either. I made the mistake of calling last week with a question about logging into my account to see the previous bills and was told there had not been any service at this address since June 2010. I was surprised because I thought I had them set to auto pay. My question is am I legally responsible for the bills back to then since they show no service? Yes, I do pay my bills and am not a deadbeat.I just went to have my water turned back on and had all of the required documents according to their website, but they are asking for a lease or mortgage document to show possession so they can back bill us. I feel pretty sure we're screwed, but I wanted to check with the people here first.My mistake: I called and alerted them.
Their mistake: They never changed over the water.
Exchanging foreign currency in NYC
Added on : Wednesday January 16th 2013 06:01:00 PM
What would be the best way to exhange foreign currency (paper bills) in NYC?
In particular, Hong Kong dollars worth several thousand US.
Any Website for organizing & paying all bills with cash back/reward option
Added on : Wednesday January 16th 2013 02:01:15 PM
Is there any good website for organizing and managing your household bills (Internet, Electricity,Insurance etc).
Website should have Cash Back /reward option if paying bills through them.
One I know is manilla.com (https://www.manilla.com/)
where once I got $500 as random sweepstake.
But manilla doesn't give any Cash Back or reward, if you pay monthly bills through them.
Nike Golf Black Leather Passcase Wallet and Key Chain Gift Set

This Nike passcase wallet measures approximately 4.5" x 3.75" and the keychain measures approximately 1.5" x 3.5".
The features of this wallet include a billfold design with a fully lined bill compartment, 3 credit card slots, 2 hidden slots and an L-Fold passcase with single ID windows.
The keychain is designed with This Nike swoosh logo on the corner.

Nike Black Toiletry Bag

A great bag to take to the gym or for overnight trips.
Black
Nike Logo on Both Sides
Reinforced Bottom
Carry Handle
Zip Top, Fully Lined
Inside Storage Panel & Inside Zip Pocket

Nike Golf Black Leather Passcase Wallet & Caribiner Gift Set
This Nike passcase wallet measures approximately 3.50" x 8.60" and the caribiner measures approximately 1.60" x 3.75".
Billfold design with a lengthwise compartment for bills
3 total card slots, 2 hidden slots for cards and 1 non-removable passcase that includes 2 ID windows
Each wallet comes in black Nike tin gift box.

Each:
Price: $19
Shipping: $1.99
Code: NIKE3 -$3
Final Price: $17.99
SharkStores Coupons
Writing a check for down payment on vehicle...
Added on : Sunday January 13th 2013 05:01:02 PM
A relative approached me to write a check for $5k as a down-payment towards a new vehicle. Normally I do not have any issues with writing checks for family as long as I'm reimbursed and it's for monthly bills or statements. However, my concern here is that by writing that check does it make me legally responsible for the vehicle if said relative cannot keep up with monthly payments?
How much debt is considered a healthy amount?
Added on : Thursday January 10th 2013 05:01:01 PM
I did a quick search and didn't find anything specific so I thought I'd ask. This is a broad topic and I'm looking for a more general response than one tailored to my situation, but I'll give some basic details of my situation.Here goes, I am a month away from having a mortgage(2 years in on a 30yr) as my only debt. I am able to make that payment with no problem and pay about 1/3rd of a payment extra towards principal every month. Outside of my revolving bills and my credit card which I pay off monthly, is it possible for your credit score to go down because I have very little debt? Should I take on more debt such as a car loan? While living debt free sounds enticing, I think not having debt makes your credit worthiness decline. I'm maxed for 401k based on employer match and have maxed IRA the last couple years.How much debt does everyone feel comfortable with or does everyone try to live cash for everything outside of a mortgage? Sorry if the question is very vague, but this is such a huge topic and I'd like to hear a bunch of FWF members responses.
ON SALE: Francesco Biasia - Valeria - Small Leather French Purse
Added on : Thursday January 10th 2013 09:01:27 AM
Understated elegance in a petite package. Ample space for your bills, a separate change pocket and seven card slots keep your essentials in one place. Silver tone metal closure and genuine supple leather add a luxurious touch. Signature box included.
ON SALE: Francesco Biasia - Valeria - Black Patent Leather French Purse
Added on : Thursday January 10th 2013 09:01:25 AM
A glossy black patent leather wallet complete with one compartment and one full change pocket, this glossy accessory with silver tone metal hardware keeps your bills and essentials in order. Signature box included.
A glossy black patent leather continental zip wallet. is the perfect complement to the Valeria bag. Complete with three compartments, two slits and 1 full zip change purse, this glossy accessory with silver tone metal hardware keeps your bills and essentials in order. Signature box included.
ON SALE: Francesco Biasia - Linda - Genuine Leather French Purse
Added on : Thursday January 10th 2013 09:01:23 AM
Ample space for your credit cards, bills and coins and ID. The embossed logo on the front flanked by two gold tone studs adds a sophisticated finish. Signature box included.
ON SALE: Francesco Biasia - Linda - Leather Continental Zip Wallet
Added on : Thursday January 10th 2013 09:01:23 AM
Part of the Linda collection, this genuine leather zip wallet provides ample space for your credit cards, bills and coins and other essentials. The embossed logo on the front flanked by two gold tone studs adds a sophisticated finish. Signature box included.
Landlord put rat poison in the yard without notice - Dog Died
Added on : Monday January 07th 2013 06:01:01 PM
I'm posting this on behalf of a good friend who is in the middle of a nightmare right now.
She rents half of a duplex and her landlord put rat poison in the yard for pest control. The landlord didn't give any notification of the application of the poison despite knowing there were dogs in the house. All three of her dogs ended up extremely sick and the vet recognized rat poison as the cause. The dogs must have either got into the poison or found a vermin that had ingested the poison. Unfortunately, they are all smaller dogs and suffered significant effects from the poison. After a few days, one dog died. The two other dogs managed to survive after intense veterinary treatment using activated charcoal, etc. The total veterinary bills (including cremation of the dog that died) totaled about $1200. The landlord has been notified of the situation via multiple voicemails but hasn't yet responded. What remedies would be reasonable to request from the landlord?
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Quicken to Use it Or Not?
Added on : Saturday January 05th 2013 07:01:00 PM
I am trying to decide if it is worthwhile to track my finances more closely with Quicken and want to know what others think.I use Wells Fargo Bill Pay for 4-5 bills a month and the rest are on autopay including credit cards pay off entire balance always, cellphone, mortgage etc... I know the regular cost of each one in my head, I review credit card statements each month to look for things out of the ordinary before the auto pay occurs and run most everything through a credit card so I have an easy month to month expense comparison. I have retirement and investment accounts at Schwab and I review them online at least once a week and log into my Wells Checking, Savings and Bill Pay at least once a week. I have never been a hyper-organized person and probably more on the disorganized side but it has not really ever gotten me in trouble. I have juggled it fine in my head or checked in often enough. Quicken sounds appealing for viewing everything in one place but given my organizational history I would probably not put a lot of effort into customizing it or enter items every day. My wife and I are quite frugal so I do not feel I need it to try to demonstrate to a free spending spouse that cut backs are needed which I can see being a motivation for using it. I also know a lot on finance forums have rentals or side businesses which it is helpful for. I do not at present just W-2s so that is not a consideration. Anyone else similarly on the fence and try Quicken and either love or it stop using it after a while because it did not add enough value for the time it took to use it properly?
Get 5% back for paying Verizon with AMEX OPEN cc
Added on : Wednesday January 02nd 2013 08:01:04 PM
I tried searching using verizon, so I apologize if this is a repost.A lot of people know that AMEX OPEN (it's a business cc) give 5% on office supplies and cell phone billsI use the AMEX OPEN cc for the 5% on office supplies purchases. I use pageplus for over a year now, so I was surprised when I got 5% back on a "wireless" purchase earlier this year. When I looked a little closer, I found out it was when I used my AMEX to pay for the regular phone line from verzion (we have dsl from them) I only did it once so far, I'll try again and hope to get the 5% again. I think if it's good for phone, maybe it's good for FIOS and even the TV portion, as long as it's being paid through the verizon website.So, short version, if you have the AMEX OPEN card, you might get 5% back on regular verizon payments.
Planning big ticket purchases - need advice
Added on : Wednesday January 02nd 2013 04:01:04 PM
Hello FWers,I have some big ticket purchases coming up in the year, and needed some advice with planning for it.Purchases
1. Car
Unfortunately my 1996 camry just gave up. Planning on buying a used 2010/2009 Prius with low miles. I drive a lot.
Financing: Pre-approved for $25K @ 1.49% penfed loan. Want to keep it under $20K. I have about $5K available in cash.
Timeframe: End of Jan '132. Home improvements
Need to remodel kitchen and 2 bathrooms.
Financing: Budgeting for $40K. Planning on taking a home equity loan. Current equity in the house is ~120K. 80% LTV would give $60K loan
Timeframe: May - Jun '133. Property
Opportunity to invest in a property for $60K. It is expected to appreciate a lot from the current price.
Financing: Balance transfer or home equity loan
Timeframe: Feb - Mar '13My current pay leaves me with $900 per month to invest after bills. Questions
- Will taking a car loan or having outstanding balance transfer negatively affect my ability to get a home equity loan.
- For the investment property, is it better to use the home equity loan or do balance transfer. If i use the home equity loan for investment property, then the remodeling needs to be delayed or financed through BTs.
- Will having a high outstanding balance affect BTs.
- I understand that I have an option of buying really used cars <$5K, but am kinda tired of all the repairs.
- What would be the best source of financing for each, and are there any other sources which I could tap into.Thanks for the help.
Insurance deductible
Added on : Wednesday January 02nd 2013 12:01:02 PM
Was hoping to get some advice from FWFers. My wife and I recently had a baby. She incurred a bunch of medical expenses all fine. The baby had some minor issues that required some additional hospitalization (everything is fine). When we got the bills. I saw that my wife's expenses were covered at the after deductible % but the baby's wasn't (all out of pocket). With my wife's stay we've definitely met our deductible requirement for the family so I called the insurance company. They said that even though my wife's stay was first and billed first, they processed it after the baby's so deductible had not been met. They said that there's nothing I can do. Anyone else have this problem before? It's not a lot of money but it seems shady.
Dyson 10" Bladeless Fan 104.99 shipped (refurb) @ moofi
Added on : Tuesday January 01st 2013 01:00:05 AM
Text
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woot! Coupons
Help with credit collections
Added on : Sunday December 30th 2012 02:01:02 AM
My husband who was ill passed away with VA being responsible for the bills. Although I have informed everyone that has sent me a bill by writing, some are still calling and bothering me. Some have been turned over to bill collectors. It has only been five months since my husband has passed away, but my phone is ringing off the wall with 1-800 numbers wanting money from me. I have not been allowed to grieve my husband's death, because of all the calls that keep me in an aggravated state of mind. Some have informed me that they cannot submit the bills because the hospital records have not been sent to the VA. I have contacted the VA and talked to representative here in my home town to get the medical bills and records straightened up. I am at my wit's end with these problems. Some bills are being paid by VA, other's have not. Where do I go from here? I would appreciate any help that I could receive from you, but please don't respond with negative thoughts, I do not need this at this time. My husband was in the VietNam War and it took years to kill him, but the VA is responsible. The problem is that they billed Medicare instead of the VA, leaving me a big deductible to pay. They did this with me telling them that the VA is responsible for the bills.I truly, do not know what steps to take next. The VA respresentative has been so kind to me, but does not know the answer either.
Looking finance a house with credit issues?
Added on : Friday December 28th 2012 02:01:06 PM
I'm in kind of a unique kind of situation here. During my last semester of college (a year ago), I had to have emergency surgery and it resulted in a ton of medical bills that I've slowly been paying off. Prior to this, my credit was pretty solid, but for some reason that even the mortgage broker can't seem to explain, the medical collections have brought me down big time.I have a regular W2 income. My husband is self-employed and he tends to put his money back into his business or into rental property, so he cannot show much income on paper. His credit is average.I have student loans and the medical debt, but otherwise we are fairly low in debt. He owns 3 houses and only has a small equity loan left to pay on the one that's currently rented out. I own land and he also has a lot of land available.We would like to purchase a house together, to live in. The one we're currently in is paid off, but small (and we have 3 kids), so we plan to rent it out. Now, it's been a LONG time since I had to finance a house, so I'm not at all sure how things work now. We have 3 options:
1) Buy a fixer-upper for less than $100K that can pass inspection but needs work (around $90K)
2) Buy a fixer upper that can't pass inspection (around $90K)
3) Build on our own land (Around $130K)
4) Buy a ready made house. (Around $150K)The people we've been working with to finance us have been pretty vague on details--I initially planned to finance it myself but the credit problems have nixed that. Selling any of the houses is not an option, but we would consider refinancing if it makes sense. Can anyone help me reason through some of this? Quite frankly, it all seems overwhelming just finding a place to start.
Help for my widowed Mom
Added on : Thursday December 27th 2012 10:01:29 AM
I need advice on how to help my Mom deal with a collection agency.My Dad passed away in Nov. He had a Sears MasterCard in his name only with my Mom as a user. In the few weeks after he died she only used the card once to buy about $50 in gas. When she called Sears to tell them he had passed, they immediately closed the account and told her she'd have to apply for her own card (she did not). They never sent the final bill to his home, they just turned it over to a collection agency who wants $283. Mom asked for a detailed bill of what the charges were, but they have yet to send it. Today they called and offered to settle for $198 if she accepts by tomorrow.She can afford to pay either amount and is willing to pay what is legitimately owed, but we just need advice on how to deal with this collection agency we've never heard of. Is it worth a call to Sears again? Or should she make her own counter offer to the agency of about $75 and tell then to take or leave it? My Mom owns her home outright (in Florida) and has a comfortable amount in the bank. My Dad always paid his bills and we want to do that too, but if it was in his name and it was unsecured, what can the agency really do?
hospital debt sent to collections without ever sending a regular bill
Added on : Wednesday December 26th 2012 06:01:03 PM
I want to know how to handle a collection notice to minimize any impact on my credit rating, because we may apply for a mortgage next summer. I received a collection notice from a "Certified Credit and Collection Bureau" for a hospital emergency room treatment my son received last March. After looking up our old insurance explanation of benefits, it looks our contribution for one of the many bills is the amount specified, so the debt is probably valid. However, I am extremely careful to pay all of my bills on time and I don't recall ever receiving a bill from the hospital. We certainly received no reminders if we missed something. I think the hospital never billed us after receiving the insurance payment, and just sent our remaining debt to collections. Also, the collection notice is in my name, but my wife, who is our primary medical insurance holder and has a different last name, took our son to the emergency room and would have signed any paperwork. I wasn't even in town. I have no idea how they got my name. I am happy to pay valid debt, but don't want this to go against my credit report. What is the best way to respond?
ON SALE: Guess - Popular - Quilted Signature Clutch Organizer
Added on : Tuesday December 25th 2012 09:04:49 AM
With plenty of slots for cards and pocket for bills and change, the Popular clutch organizer promises organization with classic Guess style. Signature dust bag and shoulder strap included. Italian design.
Please recommend a good thin wallet or card case
Added on : Sunday December 23rd 2012 07:00:58 AM
I currently have a bifold that is thick and doesn't have a lot of card slots so it's a lose-lose and I'm looking to switch. I want something that is thin and can hold 10 cards or more (all I carry is cards and never more than 3-4 bills) and does not have an overly cheap feel. Under $50 price rage is ideal, but I am willing to pay a bit more for something really good. Either a thin wallet or a card case. Ideally it would have individual slips for 3-4 cards and the rest could fit in a larger compartment, but that's not a requirement - I would gladly trade individual slots for a good minimalist design where cards are easy to pull out. I really don't need an ID slot, in fact I prefer not to have one, but that's not a requirement either. I've been doing research for the past 2 days and have not yet stumbled on something I really like. So I'm open to suggestions.The All-Ett seems to be a popular choice, but I'm a bit concerned over a cheap/nylon-y feel and reports of bad durability. For those of you who have the leather version - does it look like a decent leather wallet on the outside?Obviously I've spent a lot of time on this LOL, I just want to buy the perfect product and forget about it forever So please guys give me your suggestions even if they don't meet all or any of my "requirements" as I'm definitely willing to try different things.Thanks.
bcoutlet.com $25.00 Off your order of $50.00 or more
Added on : Saturday December 22nd 2012 01:00:02 PM
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Advice on IRS lien
Added on : Thursday December 20th 2012 06:00:58 PM
My father died owing the IRS $13,000 and was on a payment plan with them when he died. The put a lien on the the house which is paid for. He left the house for me and my bother. He had close to zero cash when he died. I think there is $1000 now after funeral expenses and other expenses and bills. My brother talked to them and they said they weren't in the house selling business and that a lien would remain on the house until it was paid and nothing more was likely to happen. I don't know if I believe that. Well in the meantime, we moved my mother in the home and I am worried that they will sell the house to get their money and throw her out on the street. We are also collecting rent from her and putting into an account which we originally decided we would let grow for a few years and then go and offer them a cash settlement and get it paid. The house is a very small house, maybe worth $20,000? I have no idea but I would like to keep it for an investment and get the IRS paid and I don't think my brother cares what happens to the home. He is also the executor of the will and he has not gone through probate yet. Not sure what the hold up is, my Dad did own some medical bills but I'm not sure how much. Any advice on what to do would be appreciated.
Hello!My friend called me looking for advice. Hes not great with computers so I figured I could help him out.His aunt is on her death bed. She has no money, no insurance, bank owns her house. My friend is the medical POA and the aunt wants her to take financial POA as well. (not 100% sure why as I dont know much about that sort of thing) Hes concerned that she may be in more debt then he knows... Or will be unable to pay the med bills etc. And the bank/hospital/lenders will come after him because of her debt due to him being the financial POA. Its all coming up so quickly and they cant afford a lawyer... Any advice would be great! Or if you need more info I can see what I can get.
Pre-paying bills and expenses - Fiscal Cliff
Added on : Friday December 14th 2012 11:01:11 AM
Usually, every December, I will slightly pre-pay some mortgage payments not due until January in order to get those expenses into the year, so that I get a deduction from them earlier. Since I have done this for a while, every year still has twelve of these payments (and deductible interest) for each of the mortgages. This year, my thinking is that, since tax rates are going up and tax rates investment income above $250k is going up, I want to maximize deductions next year, not this year. Therefore I am thinking that I will not prepay January 2013 items before 12/31, and it's better to have 11 payments this year and 13 next year. Am I thinking about this right? Anyone else making this change?
Trying to become more FWF-like Part 2
Added on : Thursday December 13th 2012 08:01:06 PM
See original thread here:http://www.fullofdeals.com/forums/finance/1159401/ To catch everyone up to speed.... my wife is watching 2 kids and now she pays: her student loans, her credit cards, her gas, the electricity.Since my job does require overtime at times, I have been unable to find a suitable second job, and I've continued to be incredibly stupid with my money. Big shock, right? I'm finally ready to admit I can't keep going down the path I am going, and if drastic changes are not made, our marriage will suffer to our financial stress (it has already to some degree).Since my wife is paying "her" bills, I will be ignoring those, as once I have righted myself, I can use the same approach on her debt.
Car Payment 1$252.48 ~$2800 (can't access this online at the moment to get exact balance)
Car Payment 2$475.98 $25735.64
Car Insurance$196.16
Verizon $132.00
Citi $35.70 $1407.41
Sam's Club$79.00 $2862.38
Rent $815.00
Renter's Ins$13.50
Sallie Mae 1$105.40 $4020.83
Sallie Mae 2$63.19 $2440.43
Capital One (S)$30.00 $1285.18
Chase SL$45.21 $5801.29
Gas $60.00
Food $420.00
MyEdAccount$94.78
Cable Internet$35.00
Chase 1 $45 $1186.57
Chase 2 $29 $760.53


Total$2,877.40
Take home (after taxes, 401k, health ins, etc): $3020.00
Our apartment complex does not require renter's insurance, but I feel like it's still worth it for $13.50/month.
The credit cards are out of hand. I'm cutting them up on December 26th, no more spending on them.
We have access to the apartment office wifi, but i barely get a signal in our apt, and it's unsecured so paying bills online is out via this method. Suggestions?We bought a second car that is decent on gas (high mileage, low balance but high interest loan. I'm trying to pay this off QUICK) for me to drive to work. Then my wife's car died ($5500 in repairs, already upside down) so we traded it on a new car (bad financial move, wish I hadn't, but I intend to keep this and refinance it to a reasonable rate and aggressively pay it off when it is next on the chopping block).Cell phones.... I realize a smart phone is stupid. However, I do not have a good way to stay in contact with our family back home without a cell phone. Is there a reasonable, unlimited talk/text prepaid carrier that uses verizon's network? The wife will fight on this one, but I will just tell her to deal. I'm not fond of the ETF for smart phones with verizon. I do know if they change your contract you have x number of days to break the contract without an ETF based on the changed terms. Have there been any changes to these terms recent enough for me to use this to my advantage?My credit score is currently 616. Will I have any success calling the credit card companies and requesting interest rate reductions? I would like to avoid any "hardship" programs that might negatively affect future relationships with these companies. Once I have fixed our financial situation, I would like to take part in sign up bonuses, but I worry that any hardship program might exclude us from being accepted for any good offers.How to save on food? Toddler food is expensive. It accounts for about a third of our monthly grocery expenses. I'm at a loss for how to reduce this amount each month.I need a second job, but not your typical job. I need flexibility most of all. Some weeks I could dedicate 30 hours, and some only 10. I can't count on my primary job to not need me on an evening or weekend. I'm well aware that cutting expenses is a lot harder than increasing income, but not many companies will want to work around my primary job schedule.
I'm waiting on the ripping of a new one that I am about to receive from you guys for being so stupid. I fully deserve and expect it. Thank you all for your help. God bless.
Continue freelancing or move on to an office job?
Added on : Thursday December 13th 2012 12:02:09 AM
A little background: Long time reader, first time poster. I just turned 24 and graduated from college about a year and a half ago with a Bachelors in Computer Information Systems. During college I did both web design and helpdesk/desktop technician work at my university. Despite the job experience, I had a tough time finding anything that paid decently when I job hunted from May-December 2011. By December I had grown discouraged, so I decided to look for freelance work. In January I found a full-time gig as a telecommuting project manager/writer for a small web development firm in Toronto. I've now been working in this role for 11 months, though only 10 of them have been full-time. While I enjoy the work and am paid ok for a single person living in Michigan (pay this year will be roughly $25,000 and should be higher next year), I've still got my eye on the future and where I want to be career-wise in a year or two.There's two things I dislike about this job. The first are all of the taxes I have to pay as a self-employed individual--this year it won't be too bad, but next year is sure to be more expensive as my income will rise. The second is that there are (obviously) no benefits--right now this isn't a huge problem as I am on my dad's excellent health insurance plan, but I'm already looking ahead to 2015 when I age out of it. I've already looked into health insurance and can see that there's a huge increase in rates when a woman turns 26 (presumably the prime "child bearing" years). Obviously, I know most employers aren't going to give the generous insurance that my dad's employer did, but it'd be nice to not have to entirely shoulder the burden on my own.I should also mention that I have student loans and debt. Yes, I've made some STUPID mistakes in the past, but I am doing my best to recover from those. Last year I owed nearly $13,000 in cc debt and was past due on all accounts; now I owe $9500, am current, my credit score is finally recovering and I will be out of cc debt by 2015 at the very latest, if not 2014 if I can throw some extra money at the debt. I have about $24,000 in federal loans that are currently on the income based repayment plan (essentially, given my past income, I will not have to begin paying anything on these until February 2014) and $4200 in loans that I've already began to repay.My monthly expenses are a bit on the high side for someone that still lives at home--factoring in bills, food, vet expenses, the debt and tax withholdings/payments, I need to pull in at least $1600 per month to live comfortably; $2500 per month to pay extra towards my debt and start building up a decent savings account. I don't own a car at the moment and share a newer model one with my mom and am on their insurance plan.Considering all this, I'm left with a couple of options:(1) Keep freelancing but take on additional work to raise my monthly income to $2500 after taxes.
(2) Find a full-time job around here with benefits that pays $2500 per month after taxes--or around that and continue to freelance to make up the difference.The thing that worries me about continuing to freelance is will this make me unemployable in the future? I know some employers do not take freelancing seriously and I'm thinking the longer I freelance and am out of college, the harder it will be to find a job. There's also the issue of health insurance, even though it's 2 years away from being a reality. The thing that worries me about switching to a local office job is what if I'm miserable or cannot adapt to the different environment? What if I get laid off? Then again, I suppose the same thing could happen with my current position.And what jobs should I be applying for? Project manager positions in IT (a lot of the ones I see ask for 2+ years experience and I'll only have 1 as of next month) or support technician stuff similar to what I did in college and had two years experience doing? And when do I begin to look at getting a car of my own or a place of my own? After I've been on the new job for a while? Considering I'd be commuting using my mom's car (unless it's somewhere local local where I could be dropped off/picked up) it'd be tough, but I suppose doable for a while.Any advice for a young IT professional looking to follow the right path toward a successful future both career and finance-wise?
Blok's Financial Roller Coaster
Added on : Thursday December 13th 2012 12:02:08 AM
Ive been thinking about posting this for a bit and SIS also suggested I do in a recent thread, hopefully you may find it entertaining maybe even inspirational.I guess this story started about 5-6 years ago on a plane ride....I was flying to Vegas for vacation and was sitting next to a guy and we started talking. I cant remember exactly, but he ended up being a hire up exec and did a lot of hiring and firing. He asked what I did, at this time I was going to community college and working part time, I said I was in school for Marketing. He said "Oh, you want to be a waiter?". I had a great convo with him after and decided to drop out when I got back from Vegas, I was basically flunking out anyway and was only there because my parents essentially forced me to go. So fast forward a bit....I was working full time in retail, had an online business, an offline business and owned a few rental houses. I would basically take care of the offline business (which involved driving all over) before and after my full time job and at night work on my online business....so I was basically working all the time. I then moved to part time at my retail job and focused on my businesses more, the offline one was good for some extra money, but not consistent enough to be full time so I was really banking on my online business. Without being too specific, the online business had a lot of potential but was a pain in the ass, required cash flow and I started to have to float it with credit cards. While I was doing all this I had rental properties as well, you can see my world famous thread here regarding one of them. There seemed to always be an issue with the rentals being they were rented to section 8 (the least pain tenant was the drug dealer that moved in after the one who flooded the one in the link and just paid me in 20's) so after awhile, I had to float rentals with credit card money as well.About the credit card money, I was able to get $200k in credit lines from AOR's and had about $100k in the bank of 0% money, which I started to have to use.....bad idea I know. Meanwhile, things at my retail job weren't going well, I hated management and constantly bumped heads with them, I eventually just brought my laptop to work and worked while I was at work, management of course caught wind of this and was just as excited as you would think they were. I kept bringing it to work because, frankly, I didnt care if I got fired, I was basically living the movie Office Space (minus the stealing). So eventually, I got fired. It was a pretty liberating and exciting feeling, I was at that job for 4+ years. But, I also had rent and bills to pay (remember that 0% money?) so it was a bit terrifying too. At this point I wasnt ready to live full time on my businesses so I went looking for jobs, I found a good one, got an interview and another and then....I was supposed to have a third interview and something in me just said 'F*** IT' I never went. Instead I went out of town to visit a friend and partied my ass off for a weekend, responsible I know. When I got back, it was basically 8 months of being completely broke. I worked all the time on my online business which turned into businesses, mainly being the original though. During this time, I was hit with every kind of road block you could think of, one event that really sticks in my head is waking up one morning with my business bank account $2k over drawn from chargebacks from credit card fraud. I literally had tears in my eyes and really didnt know what to do, I ended up taking out the last bit of money in my personal savings account to cover it. I was flat broke, I had to start withdrawing money from my IRA (always save kids!) to live on, which was about $10k. Back to the houses, Section 8 tenants are a pain in the ass, as we know, so they would move out some what frequently. When a Section 8 tenant moves out, your house looks like a pack of wild dogs lived in it, so being broke, I couldn't put the money towards fixing them and over time had to foreclose on all the houses. Since I was foreclosing and my credit was screwed anyway, I went nuclear and stopped paying my credit cards as well, I paid back whatever money I had left in the bank from the 0% money but still owed.... about $45k. I also closed down my main online business at this point after my merchant account was shut down (see chargebacks/credit card fraud), it made no sense to keep running it anyway and frankly, I couldn't due to cash flow. I did have another online biz that was making a little money here and there at this point though.At this point I was pretty depressed and broke and to top it off, I had to move back with my parents because I could barely afford rent. I kept working on the new online biz and was making a little money. Since I was living with mom and pops, it was enough to live on without using my IRA money, which I only had like $1k left anyway. I then scraped together some monies to go to a conference, the end of last year, related to the industry my new online biz was in. I ended up meeting a lot of great people and made lots of connections. Very long story short and without much detail....I had a great idea for another business and contacted one of my new connections with an idea that was a great fit for them because of their already established business and infrastructure.After a week or so working 16 hour days getting this new idea ready - It became an instant hit, we started making thousands in sales everyday instantly.This new business has blossomed into several million dollars in sales this year. I was able to move out of mom and dads with a sizable stack of money saved and things have been going really great ever since and I own a couple other businesses now as well.I know you are wondering about the houses and credit card debt. The houses were foreclosed and credit cards sent to collections before I could attempt to pay them back, so unfortunately, thats that and my credit score is about as low as it can get.If there is a moral of the story, its never give up and bust your ass. You create your own luck by putting yourself in the right situations. Im sure anyone interested may have some questions, I left a lot of detail out, so fire away, I would be happy to answer any - inb4 pay your bills dead beat
FREE 500MB/MO. 4G WIRELESS, JUST BUY MODEM, GREAT FOR TABLETS
Added on : Wednesday December 12th 2012 12:00:11 PM
TYPE IN YOUR ZIP CODE TO SEE IF YOU QUALIFY!
http://www.freedompop.comTYTBUDGETEndgadget
December 12, 2012FREEDOMPOP BRINGS FREE WIRELESS INTERNET TO THE HOME WITH HUB BURST MODEM AND ROUTERIf you happen to live in an area that's served by Clearwire's WiMAX network, then you may be interested to learn of a new home internet service that's very aggressive on the pricing front. FreedomPop has announced a free broadband service that'll offer 1GB of data consumption per month. Not to stop there, heavier users can sign up for a $9.99 monthly subscription that provides 10GB of data usage, or take advantage of a pay-as-you-go option that costs $0.005 per megabyte ($5/GB). Also of note, free users will be able to earn additional data by engaging friends and participating in promotions.FreedomPop's service will launch in conjunction with the Hub Burst, a 4G modem and router that costs $89, which is available for pre-order now and is set to ship next month. The Hub Burst offers two Ethernet jacks -- useful for your desktop or home entertainment setup -- along with support for 802.11b/g/n (WiFi). While WiMAX is a bit pokey by modern standards, if you're looking to lighten your monthly bills, this alternative to Clear and NetZero may be the ticket, indeed.
Concert Tickets Sold on eBay - Local Pick-up?
Added on : Tuesday December 11th 2012 04:01:03 PM
I sold a pair of high-value concert tickets on eBay for $400 and am offering local pick-up, cash only. The buyer wishes to pay via Paypal and still wants to pick them up. I know in the past this has been a bad idea as there is no proof of delivery and Paypal/eBay won't even take signed bills of sale as proof. At this point, I feel it may be less risk for me to just ship the tickets and cover the shipping costs so I have signed proof of delivery. I had no idea the tickets would sell for this much, so even with me paying for shipping and Paypal fees, I am still very happy with the sales price.I just wanted to make sure nothing has changed w/ eBay and Paypal in regards to the risk of Paypal and local pick-up...thoughts on how you would handle this?
December 21, 2012..... profit?
Added on : Tuesday December 11th 2012 02:01:04 AM
I really liked the sort of "Eternal Earth-Bound Pets" ideas that boomed slightly before the failed Harold Camping rapture prediction and wonder what other markets could potentially soon exist. David Morrison, a NASA scientist, cited a poll that claimed ~25 million Americans are expecting a world-altering event to occur on December 21, 2012. That's a lot of people who won't have a need for their paper bills other than as fire kindling.Other than guns, canned beans, and fuel.. Are there any interesting ideas for the 10-day stretch ahead of us to make some extra holiday dollars by playing on the apocalyptic fears of others?
Liz Claiborne Grace Cell Phone Pouch $20 original $8 clearance
Added on : Monday December 10th 2012 06:00:08 PM
Texthttp://www.jcpenney.comLiz Claiborne Grace Cell Phone Pouch Item # FC104-4941D Protect your cell phone and maybe stash a few dollar bills with your identification in this compact leather cell phone pouch from Liz Claiborne.
wristlet strap
leather
ID slot
polyester lining
3 (H) x 5 (W) x (D)
imported

20% off code 20FORYOU
JCPenney Coupons
How to spend $2000 on credit card within 3 months for getting the bonus
Added on : Friday December 07th 2012 04:01:02 PM
I could go to casino and do other unresponsible spendings.
But it's time to go back to reality.No go because they want cash only: mortgage, house insurance, utilities, car payment, student loans.No go because they're paid for more than 3 months: car insurances (6 months paid), alarm company (1 year paid)I can use it to pay for Groceries, Cable Bills, wireless bills, landline bills, flex account expenses, gas.From looking at the expenses, it looks like most of our creditors want cash only... no credit card.What other things that I don't think of?
Where to open Roth IRA?
Added on : Friday December 07th 2012 11:01:12 AM
I'd like to open Roth IRA account, the problem that I have is that I do not know where to open it, Everybody says just open an account at Fidelity or Vanguard and put it into "this" or "that" fund, however no one is willing to talk about any specifics, about any possible account limitations or fees, or available fund options, and I found it next to impossible to find that kind of information on the respective websites, even getting to the list of available Fidelity funds takes 6 clicks on Fidelity website.Basically instead of just throwing my money into a fund in an IRA account and forgetting about it, I would like to have a little more control over it. I'd like the ability to move my money into "safe" funds if I see a crash coming, and I'd like to move it back into equities or stock funds if you will whenever I see fit. Yes, I'm aware of the "you can't time the market", but I want that option just in case. I also look for a place that doesn't nickel and dime your account to death with all the various fees.So I need to open IRA account somewhere that:
1. Will have short term cash alternative funds (short term treasury bills or whatnot) that won't lose a lot of value during a crash
2. Will have variety of low expense ratio index funds
3. Preferably will have several low expense ratio funds invested in dividend paying equities
4. Have low or non existent yearly account fees
5. Have low or non existent transaction fees when I move my money from one account into another (I'm including both load and transaction fees in that, basically any kind of fee)
6. Have low or non existent fund fees. I've read for example that in the past Vanguard had $10 fee for each fund account with less than $5K balance. I'd like to avoid these if possible.
7. Will not have any limitations (or non excessive limitations) on how often I can move my money from one fund into another, my 401k for example limits how often I can move my money around, for example I cannot move my money in and out of certain fund more than twice a month and some funds even have "termination" fees. I'd like to avoid this kind of shenanigans if possible.
8. Ideally won't charge extra for paper statements. I can live with e-statements, but I like paper.Also, I have several additional questions just to be complete
9, Are the yearly IRA contribution limits based on the calendar year? Meaning hypothetically speaking I have until December 31st to put 5K into Roth IRA for the 2012 year, at which point the "limit" resets and I can fund my account again?
10. If I open account with say Fidelity, would I be able to buy non-Fidelity funds, and if so, what kind of fees if any would I be charged for this? What about Vanguard, or TRowe?
11. Would any of the Fidelity/Vanguard/TRowe allow me to park my money in plain old Cash? Out of curiosity?
12. Do any of the Fidelity/Vanguard/TRowe have any minimum limits to how much money you can allocate into any particular fund? I.e. say $2000 minimum to buy any of the funds? And what happens if the fund value goes below $2000 due to market movements?
13. Would any of the Fidelity/Vanguard/TRowe have any problems with me funding my account with one big chunk of money instead of monthly deposits? Or would I have to pay extra fees for that?
Yeah... rofl... didn't expect this list to grow as long. I wanted to open an account and fund it by the end of the year, but I procrastinated, my bad. Now I have a week to decide where to open an account. So... Any input would be highly appreciated. Thanks!
Health Insurance options
Added on : Tuesday December 04th 2012 02:01:02 PM
If anyone knows of good options, both general reads and for actual insurance I would be interested in looking at it. Not sure where to start, my job had its insurance meeting "day" today, checking the interest of the employees. As it stands for a single employee the cost is 3,000$ deductible/yr and about 175$/month to the insurance company. If one wishes to have the policy cover the entire family the cost jumps to 7,000$ deductible/year and about 825$/month. These numbers are roughly a 20% jump from our costs last year, which has become unmanageable for me.At this time I foresee no major medical bills, so even dropping insurance could be an option, some of the family members do still need monthly drugs-which overall would be cheaper out of pocket but I'm interested in maybe reducing those costs as well. I remember as a kid hearing about companies that you would pay 30$ to signup with and then get discounts at the pharmacy all year; do they still exist?I live in Iowa. Preferably I'd like to find an option that costs less then 12,000/yr for a family of 4(spouse+2children).Thanks for your time and knowledge!
LinkCoupon Code: EMCYTZT2594$697 on Amazon
$599 at Best BuyMore info said: Full HD 1080p with HDMI The realistic detail of Full HD images invites you to enjoy a viewing experience that redefines reality. Two HDMI input connectors allow easy connection to a variety of AV equipment such as Blu-ray player, game console and more.
Newegg Clear Motion Rate of 240 Experience sharp picture quality, even when you are watching fast-moving images like sports or action movies. Clear Motion Rate was developed to accurately measure how well an LCD or LED TV can depict fast-moving images. Previously, motion-clarity was calculated by the frame refresh rate alone. But CMR offers a more complete measure by calculating 3 factors: frame refresh rate, image processor speed and backlight technology. A CMR of 240 - 480 takes motion-clarity to the next level. LED TVs with this CMR can display action-packed movement with even sharper detail and deeper levels of contrast while eliminating image distortion.
Newegg Wide Color Enhancer Plus Wide Color Enhancer Plus allows you to see picture color the way the director originally intended. Witness the entire RGB spectrum brought to life on your screen to bring you exceptionally vibrant, yet natural-looking images faithful to the director's original intent.
Newegg Eco Sensor The unique Eco light sensor measures the intensity of the room's light and automatically calibrates the brightness of the image on the screen. In a sun-filled environment, the screen gets brighter and in dim surroundings, the intensity is reduced. This feature optimizes the viewing experience while also saving you energy.
Newegg ENERGY STAR V 5.3 Compliant Go green and save the planet. This Samsung TV not only meets ENERGY STAR requirements; it exceeds them. This means more energy savings, lower utility bills and leaving a smaller carbon footprint on the environment.
Newegg ConnectShare Movie ConnectShare Movie lets you watch videos, play music or view photos from a USB connection without needing to use a PC or special equipment. Simply plug your USB directly into your Samsung TVs USB port and watch on the big screen with friends and family. Edit: Updated to reflect coupon. Thanks for catching, slmegausa.
Newegg Coupons
Link$697 on Amazon
$599 at Best BuyMore info said: Full HD 1080p with HDMI The realistic detail of Full HD images invites you to enjoy a viewing experience that redefines reality. Two HDMI input connectors allow easy connection to a variety of AV equipment such as Blu-ray player, game console and more.
Newegg Clear Motion Rate of 240 Experience sharp picture quality, even when you are watching fast-moving images like sports or action movies. Clear Motion Rate was developed to accurately measure how well an LCD or LED TV can depict fast-moving images. Previously, motion-clarity was calculated by the frame refresh rate alone. But CMR offers a more complete measure by calculating 3 factors: frame refresh rate, image processor speed and backlight technology. A CMR of 240 - 480 takes motion-clarity to the next level. LED TVs with this CMR can display action-packed movement with even sharper detail and deeper levels of contrast while eliminating image distortion.
Newegg Wide Color Enhancer Plus Wide Color Enhancer Plus allows you to see picture color the way the director originally intended. Witness the entire RGB spectrum brought to life on your screen to bring you exceptionally vibrant, yet natural-looking images faithful to the director's original intent.
Newegg Eco Sensor The unique Eco light sensor measures the intensity of the room's light and automatically calibrates the brightness of the image on the screen. In a sun-filled environment, the screen gets brighter and in dim surroundings, the intensity is reduced. This feature optimizes the viewing experience while also saving you energy.
Newegg ENERGY STAR V 5.3 Compliant Go green and save the planet. This Samsung TV not only meets ENERGY STAR requirements; it exceeds them. This means more energy savings, lower utility bills and leaving a smaller carbon footprint on the environment.
Newegg ConnectShare Movie ConnectShare Movie lets you watch videos, play music or view photos from a USB connection without needing to use a PC or special equipment. Simply plug your USB directly into your Samsung TVs USB port and watch on the big screen with friends and family.
Newegg Coupons
The economics of bicycle commuting?
Added on : Sunday December 02nd 2012 06:01:00 PM
Hello,I've recently been pondering the concept of commuting to work via bicycle rather than by car (the public transportation where I work isn't a realistic option if you can afford alternatives). I was hoping that some FWFers who already bike commute can help me on my brainstorming to figure out if this is a good choice for me A) Financially B) For my long-term well being.My city has recently finished a bike trail that's mostly off street that I can get to 2/3 blocks from my house, and will lead me straight to downtown 7/8 miles later. I have learned that my workplace has semi secure bicycle parking, but no shower facilities, so I'll have to join a nearby gym so that I can clean up and not smell like sweat all day. I don't feel that my fixed costs will change at all, as I will still need a car for inclement weather as I can't show up to work drenched, but will save me ~$5 or so in gas every day. I'm going to assume that I'll commute 3x a week throughout the year, as snow/ice are non existant where I am now.Here's my initial +/-'s for the first year, and I'd love to hear from others who have tried bicycle commuting as to what factors I'm not including.Negatives:
$500 bike
$200 lock/panniers/accessories/etc
$300 gym membership (diff between the downtown gym and the one I'm at normally)
$2600 Extra 20 minutes of commuting time, assuming $50/hour
$300 amortizing the cost of an expected bike theft once/two years
$520 extra food cost to fuel myself for additional calorie burning
? Chances of surviving a traffic accident are drastically reduced compared to my automobile
Total: -$4420
Positives:
$5200 Get my workout time back 3x/week, assuming $50/hour
$780 gas savings
$400 arbitrary number for reduced wear and tear on my car
? Longterm health benefits/Reduced medical bills (unless hit by car)
Total: $6380So it looks like I'd be coming out a little ahead, but not so much that it would be worth doing if I didn't enjoy riding bikes to begin with (and while I enjoy the stationary bike at the gym, I haven't ridden a normal bike in years).Thoughts? Flaws in Logic? Would love to hear constructive comments, even negative comments if they're relevant and applicable. Thanks.
Boston/Worcester - Free Checking & $75 bonus - Commerce Bank
Added on : Saturday December 01st 2012 02:01:02 PM
Free personal or business checking accounts (which are difficult to find these days).https://www.bankatcommerce.com/persbank_checking.html#Personal
-No Minimum Balance
-Free Online Banking/Bill Pay
-No Monthly Fees
-Free Platinum Debit Card
-And now, get up to $75 when you open a free personal checking account ($25 when you enroll in direct deposit, $25 when you use your debit card to pay for at least 10 purchases from a merchant, and $25 when you sign up for e-statements or use online bill pay to pay at least 3 bills from your online checking account - all within 90 days. New accounts only. Cannot be combined with any other offer.)Business
-No Minimum Balance
-500 Free Monthly Transactions
-Free Debit Card
-No Monthly Fees
QVC - Tracfone LG800 w/1400 minutes 1/yr service and FS - $79.96
Added on : Sunday November 25th 2012 05:00:03 PM
If you missed out on the LG840 HSN deal recently, THIS is the next best thing if you are in the market for this type of phone.Clear conversation. Internet and app access. A camera and video recorder. Picture messaging. A music player. The 800G is everything you want in a smartphone--and with TracFone service, it's nothing you don't want!With this TracFone, you get all of the above, minus the hassle of activation fees, contracts, monthly bills, or credit checks. You pay for the service up front, and with this package, you get one year of service/1,400 total minutes to use--but, you also get triple minutes for the life of the phone, which means you gain two additional minutes for every single minute you purchase! On top of all that and the sleek, compact touchscreen 800G phone, you'll also receive a car charger and three gel skins for colorful, on-the-go convenience. From LG.Use of Bluetooth Wireless Technology requires Bluetooth software and Bluetooth-compatible accessories. Additional accessories may be required.Includes LG 800G smartphone TracFone, lithium-ion battery, wall charger, car charger, 1,400 minutes/one year of service, triple minutes for life, and three gel skins
Touchscreen display
2 megapixel camera and video recorder
MP3 player
MMS picture messaging
Mobile Internet access; apps available for download
Bluetooth wireless technology
Measures 4"L x 2-1/2"W
UL listed wall charger; 1-year Limited Manufacturer's WarrantyDont forget 3% FW CB
QVC Coupons
I got this from Clark Howard and it really does work for those that have an ATT iPhone that is out of contract. Straight Talk now officially supports the iPhone effective about 2 months ago.Straight Talk has a lot of phones and a number of plans, but I created this post for the iPhone users that want to reduce their monthly phone bill. iPhone monthly bills are usually more expensive than most other cell phone plans offered.I would appreciate it if we could keep this thread on topic specifically regarding the iPhone for those of us that are technically challenged. There are a lot of iPhone users that have no idea how to make this happen and it will save them a lot of money. This only works for AT&T iPhones.My monthly AT&T iPhone Bill was running about $120 a month until October. Now it's $45 a month for unlimited talk, unlimited text and unlimited data. (No you can not abuse the unlimited data because they will cut you off)I've also switched over my wife's iPhone and my brothers iPhone. We all have the iPhone 4 but this will also work on the 4s and the 5 when it is out of contract. AT&T will unlock your out of contract iPhone at no charge for some reason, but your phone does not have to be unlocked to use the phone part. It will need to be unlocked to use the internet and the picture in text feature.It takes about a week to make all of this happen so that all of the features work. Your phone number stays the same, all of your contacts, pictures, internet, apps and everything else works the same except for the voice to text feature.Here is what you need to do to make this happen:1. Order a StraightTalk micro sim card here:http://www.straighttalk.com/ShopSimsYou should pick the AT&T Compatible Phone option and enter your zip code. The sim card is $9.99 and they give you free shipping. The PIA is that you have to sign for the $9.99 sim card when the FedEx man shows up. They will not leave the package without a signature. The sim card is not available in stores. Don't waste your time looking for it. While you are waiting for your StraightTalk sim card, you will need to pick up a $45 StraightTalk refill card at Wal-Mart. Buy the first one at Wal-Mart. Make sure you get the $45 card. The $30 card will not work and you don't need the $60 international card at this time. There are some other options for future purchases.2. The sim card will come in a couple of days and there will be some instructions on how to activate it. YOU DO NOT INSERT IT IN YOUR PHONE until SEVERAL HOURS after you have activated it. If you insert the sim card too early you will blow it and you will have to wait for the FedEx guy to show up with another one. When you activate the sim you will enter the information to PORT your number from AT&T to StraightTalk. You will also enter the refill info from the $45 card you picked up at Wal-Mart.3. After several hours your iPhone will stop working on the AT&T system. After the phone stops working on AT&T, then you can remove the AT&T sim card and insert the Straight Talk sim card. At that point your phone will work with your old number and it will be using the Straight Talk network which also happens to be the AT&T network. The little AT&T icon at the top left hand corner of your screen will now say HOME. That will let you know you are on the Straight Talk network. Although your phone will work, your internet and picture texting will not work yet. However you can connect to the internet though wifi until you get the next part done.4. You need to then call AT&T and have your iPhone unlocked. It can take a few days for the unlock to be completed. They will do this for you and after they unlock the phone you will do a backup and restore though your iTunes account.5. You will then need to call Straight Talk technical support to get them to walk you through the procedure for getting the internet to work. Plan on spending about 45 minutes on this.6. There are some hidden settings in the iPhone that can not be accessed with the AT&T or Straight Talk sim card. You are going to need to access those settings in order to get everything to work perfectly as far as the pictures to text goes. In order to do this you will need a T-Mobile micro sim card. It can be an expired T-Mobile sim card. You only need the sim card to access the hidden settings in your iPhone. You do not need to sign up for their service. When that sim card is inserted at a specific point some options come up that allow you to make the changes needed. You can pick up a T-Mobile sim card for under $4. There are some posts on FW that have these and you can find them on Amazon as well. I will put the procedure for accessing these hidden setting in another post because I don't want to confuse everyone with the technical stuff. You can also google "StraightTalk to iphone" to find the instructions as well.The bottom line is that I have reduced my iphone bill from $120 a month to $45 a month. My wife's went from $92 a month to $45 a month. My brother's went from $130 a month to $45 a month. That is real money you are saving here every day and every month. There are also some StraightTalk refill cards on eBay for less than $45. I purchased two of them for $36.99 and they work perfectly. So if you can find one of these deals, you pay even less than $45 a month. If you buy the refill card on the StraightTalk site they charge some extra government type fees that you don't have to pay if you purchase the refill card on eBay or at Wal-Mart. There are also some longer term refill cards available at a slight discount.The phone works the same with the same reception and same features. The only difference that I can find is that I have to dial in a code to hear my voice mail. Other than that no difference other than being a whole lot less money.Keep in mind that with StraightTalk you are paying 30 days in advance. You must refill or renew every 30 days. You can do it with the refill cards or with a credit card on file. There are no late payment fees. There are no re-connection fees. You will pay a few dollars extra if you pay with a credit card on file. You will pay the least amount by finding the refill cards on eBay at a discount. This only works on AT&T iphones. It does not work on the others.
Straight Talk Coupons
Sham HSA-Marriages For Fun and Profit
Added on : Friday November 16th 2012 07:00:58 PM
It's OK for one to save up receipts from an HSA and take the distribution at a later point, to allow for longer tax-free compounding. This is because money is fungible and whether I spend $1 out of pocket on a medical bill, or I distribute $1 from my HSA and use that dollar to pay a medical bill, it's identical. Thus, some people are saving receipts and plan to wait 20+ years to withdraw the money from their HSAs for prior medical bills.Additionally, it's OK for a spouse to use their HSA to pay for their spouse's medical bills.Imagine you grew a large HSA over the next 30 years. It's up to $50k. You're single, healthy, 50 years old. You want access to the money tax-free. Yes, you could wait until you turn 59.5 and the HSA withdrawal rules become like a Traditional IRA but you have to pay income tax on them.The solution? Find a woman with large medical bills that she's already paying out of pocket. Marry her. Count her receipts as eligible for your HSA deduction. Make sure she pays her bills out of pocket, while you get to pocket your HSA withdrawal. Divorce her.As far as the IRS is concerned, even though you pocketed the HSA withdrawal, it's legit because somehow money from within the marriage got used to pay the medical bills. The only way this wouldn't be legit is if the woman attempted to write off her medical expenses against her taxes or use an FSA/HSA of her own.Seems like a pretty cool idea for someone that doesn't afraid of the IRS and has a large HSA.
ON SALE: Tavecchi - Women»s Soft Genuine Italian Leather Flap Wallet
Added on : Friday November 09th 2012 12:55:33 AM
A spacious and refined Italian women»s wallet by Tavecchi made in soft genuine leather with a separated gusseted change pocket and a well-organized interior for bills, ID and cards. 12-month Manufacturer»s Guarantee. Logoed gift box included, Made in Italy
ON SALE: Robe di Firenze - Ladies» Dark Brown Leather Flap ID Wallet
Added on : Friday November 09th 2012 12:55:27 AM
This dark brown leather wallet contains 2 ID windows, 1 coin pocket which closes with a snap, 1 small zippered pocket, 1 large bills pocket, 4 credit card holders and closes with a snap. (The material inside this wallet may change. Italian made.).
ON SALE: Piquadro - Blue Square - Zip Around Leather Wallet
Added on : Friday November 09th 2012 12:55:22 AM
Contrasting color details offer a stylish, modern look, while multiple compartments keep bills and cards in order. A zippered divider completes the design with space for coins and other small objects. Signature dust bag included. Italian design.
Dealing with Hospital bills/collections, etc.
Added on : Wednesday November 07th 2012 12:00:51 PM
Until recently I was a full time student. I had to have emergency surgery prior to my last semester. I had insurance, but there was still a balance left after the insurance paid out, in most cases.So now, I have had approximately 12 bills to deal with. Some are from different places, some are from the same places. My strategy has been to just pay $25 to whatever bill I get in the mail, but I want to get more organized in tackling these.One place put me in collections because they only sent one bill. So my question is....what is a good strategy for tackling all of these bills?? I've paid off a few, but I can barely keep up with who I owe what to and when I have to send them money. Is there any way to make this process easier? I'm about ready to take out a loan to pay off the bills, but then I'd have to deal with interest.
Am I on the right path to maintaining/achieving financial stability?
Added on : Tuesday November 06th 2012 10:00:58 AM
There are a lot of factors to consider. For those of you not interested in a lengthy read, look away now! I have some concerns and I'm hoping that the decisions my wife and I are making now aren't going to haunt us for years to come. Let me start by giving my story and then I'll pose a few questions at the end. Hopefully, someone can shed some light on what I'm doing right and wrong. Maybe this thread will help others who are just completely confused.The Story:My wife and I (25-years-old and 26-years-old) got married back in June of 2010 and bought a foreclosure in January of 2011. We ended up getting an unbelievable deal. The house appraised for $64,500 and we bought it for $18,900. We borrowed $10,000 from my parents and combined it with our savings to pay cash for the home. We immediately took out a $45,000 loan against the house so we could do some renovating. We used $10,000 to pay back my parents and then used $12,000 to pay off my wife's student loan. The remainder went into the home. We saved a ton by doing all of the work ourselves. Upon completion, the home was appraised again. The current appraisal value is $80,000. Roughly $9,000 of the money spent was toward furniture that will go with us if we ever decide to sell. All in all, it didn't take much to completely change the home.In addition to the home loan, I still have a student loan to the tune of $28,000 and a car loan for $16,600. While in college, I applied and was approved for a college rewards credit card. It started out with a $300 limit, but was later increased to $400. Last year, I requested a $1,000 limit in the event we would have an emergency and not have access to savings. Surprisingly, at least to me, we were denied. We never carried a balance on the card and have never been late for a payment on anything. We only use the card for gas and online purchases and then pay it off during the same billing period. I guess they didn't like not making any money off of interest. Anyway, the card is of little to no use, so we recently applied and were approved for another credit card through a different bank. We asked for a $1,000 limit and were given a $2,500 limit. I'm contemplating setting up all of our utility bills and my student loan to be auto-paid with the card. I would still pay the entire balance at the end of each month.My wife and I do not make a lot of money. I work at a college and make $25,500 a year. I was fortunate enough this year to teach 4 credit hours of classes as and adjunct faculty for an additional $2,000. My wife works at a local bank and makes $22,500 a year. We work in the same town, so we only need the one vehicle.Debt Summary
Mortgage: $238 per month for 30 yrs. (almost 28 yrs. remaining)
Car: $325 per month for 72mo. (58mo. remaining)
Student Loan: $225 per month... until I die. (Opened 8/2005)
Credit Card 1: $0 balance ($400 limit - Opened 4/2008)
Credit Card 2: $0 balance ($2,00 limit - Opened 10/2012)
Total: $788Bills
Insurance: (We always pay our homeowner's, flood, and car insurance for the entire year when we get our tax return.)
Electricity: $65
Water/Sewage/Trash: $35
Gas: $40
TV/Internet: $85
Cell Phones: $75
Total: $300Income
$4,000 p/mo. combined - before taxes ($788/$4000 = D/I Ratio: 19.7%)
$2,950 p/mo. average combined after taxes, retirement contributions, etc.Current Savings: $1,300
My Current Retirement: $3,650 with an annual ROR of 12.9% (My employer matches a max of 6% - that is what I currently contribute - I've only been with this employer since 09/2011 and do not have any additional retirement accounts elsewhere.)
Wife's Current Retirement: $0 (No program offered by employer - she does not currently have any retirement.)
My Equifax Credit Score as of 10/2012: 748
Wife's Equifax Credit Score as of 10/2012: 750
So here are my questions:At a glance, do our finances seem acceptable or are we in trouble?
Should we be worried about my wife not having started a retirement plan at this point?
Where should we start?
Should we have a target amount that we should be putting into savings each month?
Are our credit scores/debt-to-income ratio considered good?
I suppose the one question that could be asked is:If you had a friend that was in exactly the same financial position as we are, would you loan them money?
Beer Bottle Opener Ring $4 Shipped @ ThatDailyDeal.com
Added on : Tuesday November 06th 2012 05:00:07 AM
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ITS BACK!! $400 after $1000 spend in 90 days for Barclay's NFL Card
Added on : Sunday November 04th 2012 01:00:51 PM
Picked / Copied from SD, just applied one for my Husband so Confirmed its still valid
click on one of the links below and check the BONUS section in "terms and conditions" link.
OLD thread here:
http://www.fullofdeals.com/forums/finance/1222417/?start=560You can also call to apply - 1-866-951-7194 to applyIt seems like "Visa cards are not getting approved and Mastercards are getting approved. Mastercards
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First of all, I feel like I should get kudos for not using an alt-ID. Looking for advice on the following:
My mother (divorced), has 2 kids, both grown.
My mother is now force-retired, aka got laid off a year ago, and at 65 years old had difficulty getting a new job, and has now given up.
My grandfather recently passed away, and the estate is now in probate. My mom looks to get about $3.5mil in assets (stocks and residential rental properties).Mom never really had much $$ before this, so she's not very financially savvy. I'm starting out in my career, so although I'm decent with selecting stocks to invest, making sure I'm putting into 401k/IRA, I'm not wise on dealing with estates of this size.Mom is kind of a homebody, and just likes to read/watch TV. She hates to travel. In other words she doesn't have any real interest in "using" her inheritance, or however you want to phrase that.She is interested in knowing how best to pass as much assets as possible onto her 2 kids. She has specifically mentioned concern about the following 2 items: federal/state laws changing so that this will become taxable by the time she passes; a large chunk of the estate getting gobbled up if she has serious medical problems later in life.The only ideas I have so far:
She can give her kids $13k a year in gifts tax-free. (While still alive, if she so chooses)
She could put the rental properties into an LLC, and list the kids as partial owners of the LLC. Does this do any good? I know an LLC shields the individual, but is the LLC shielded FROM the individual (in regards to medical bills)? This makes mom vulnerable (I think) to kids getting greedy and trying to seize their part of the LLC while she is still alive, and I've warned her of such.Obviously she (we?) will be talking to a lawyer, but I thought I'd ask her just to get some initial advice/ideas.Thanks.
Canon imageCLASS D420 Laser Multifunction Copier $69.99 FS at Amazon
Added on : Friday November 02nd 2012 03:00:02 PM
LINK
Duplex Versatility
Print or copy on two sides use half the paper! Two-sided output for printing and copying saves space and reduces paper consumption.Duplex Versatility: two-sided copying and printing
Copy and Print in black and white up to 23 ppm
Efficient energy savings mode; only 3W of energy used
250 sheet front loading paper cassette tray plus single sheet multipurpose tray
USB 2.0 high speed perfomance
Duplex versatility with two-sided copying and printing
You can copy and print in black and white up to 23 ppm
Efficient energy savings mode,only 3W of energy used
It has 250 sheet front loading paper cassette tray plus single sheet multipurpose tray
It has USB 2.0 high speed perfomance High Performance
Why waste time? With Canons Quick First Print technology, the first copy or print will arrive in approximately 9 seconds. The D420 can copy or print up to 23 ppm/cpm and takes just 10 seconds to warm up.Easy Maintenance & Energy Efficiency
The Canon Single-Cartridge system combines toner & drum into a single unit no messy toner changes. Efficient 3W energy saving mode may help to save money on energy bills.Home / Small Office Convenience
Copier, printer and color scanner in a compact desktop unit with a 250-sheet paper cassette and single-sheet multipurpose trayToner Cartridge Recycling Program
Canon toner cartridges are 100% recovered with zero landfill waste LINK
OneStopPlus (OSP) 40% off triple treat expires 11/1/12
Added on : Wednesday October 31st 2012 07:00:02 AM
one Stop Plus
40% off 1st item, 40% off 2nd item, 40% off 3rd item- Use promo code OSPFUNOCT 
*Heres how to use your promo code: 1. Place one or more eligible items into your shopping bag to get 40% off your 1st item, two or more items to get 40% off your 2nd item, and three or more items to get 40% off your 3rd item.
2. Type the promo code OSPFUNOCT into the promotion code box at checkout, then click apply.
3. The discount will automatically be applied to your order, if eligible.
4. Continue shopping or begin checkout.Promo code restrictions: Not usable for cash, or applicable to payment of prior bills or charges and is not valid for international orders. Not valid for prior purchases, Aerin Rose, Aerosoles, Alight, Angelique, Gem Avenue, Eliza Parker, FullBeauty, Parfait by Affinitas, Lunaire, Freya, Fantasie, Elomi, Anita, Chantelle, Carol Wior, City Chic, IGIGI, Kiyonna, Torrid, Avenue, Ulla Popken, Sealed With A Kiss Designs, Sydneys Closet, FansEdge, Monif C, BuySeasons, Swimsuits For All, PrettySkin4Less, MadisonAvenueMall, Samantha Style Shoppe, ShopitLA, handbags, jewelry, fragrances, costumes, home, kitchen, Plus + Size Living, clearance, OSPoutlet, items delivered from the manufacturer, or gift cards & e-gift cards. **Items from Sydney's Closet may be returned if they are in original condition with all tag(s) still attached. Offer ends midnight (EST) Thursday, 11/01/12.
OneStopPlus Coupons
Evolve Macaw Water-Saving Handheld Showerhead - $30 shipped @ Ebay
Added on : Sunday October 28th 2012 07:00:04 PM
Evolve Macaw Water-Saving Handheld Showerhead w/ 5 Spray Patterns
4" Spray Head and 59" Metal Hose This is sold by Daily Steals through eBay. DS had this as deal of the day last week for $35. If you missed it last week you can save $5
LINKProduct Features:
Attaches to any shower arm with standard fittings
Handheld design
Chrome polish
59 metal hose
5 spray patterns: standard, massage, champagne and 2 combination sprays
Maximum flow rate allowed by law
Water-saving technology
4 spray head
Cuts water flow once heated so you can multi-task without wasting water
Pull-cord re-activates water flow
2.5gpm flow
Save $75/year in utility bills and 2700 gallons of water per year
For comparisons Amazon has it for about $70 shipped.
eBay Coupons
www.staples.com
upcoming adthx billscho/sd Staples ad for 10/26 to 11/3 is out with pages of Windows 8 systemsIt is very unusual that not only the ads for next week came out early from Staples, it starts on this Friday instead of Sunday and valid for 9 days. Check www.staples.com for upcoming ad in your area.From the content, it seems they change their regular ad schedule specifically for the Windows 8 release. Now it is clear why the 15% off coupon expires on 10/25 but you may still try to use the coupon on 10/26 and 10/27 as it usually works shortly after the expiration date. You may also try the OM 20% off coupon too. However, all these coupon tricks are YMMV.Triple ink recycling deal continue. $5 off $25 cleaning or break room purchase.Some rebate deals listed below:Staples 4x6 Photo paper $9.99-$8.99SER = $1 LIMIT 4 REBATES
Staples copy paper $6.99-$5.99SER = $1 " " "
McAfee Total Protection 2013 $59.99-$9-$46MIR = $4.99
Kaspersky Internet Security $59.99-$25-$25SER = $9.99
Space Heater vs Gas Furnace
Added on : Tuesday October 23rd 2012 11:00:51 AM
Hi,I know the answer to this might be obvious, but I'm not 100% sure so I want to run it by the FW community. So please no TC'ing.I have a 2200 sq ft home in Metro Detroit MI. I haven't turned the heat on yet and we've had some cold days (no freezing temps though). I'm trying to figure out if running a space heater in my bedroom at night is more or less expensive than running the gas furnace. I think it's cheaper, but haven't tried this before and haven't seen the bills yet.I've been making a hot fire in the fireplace when I get home which heats up that living space (family room) to comfortable temps (usually ~70). I let the fire die down before bed time. I plan on doing this most nights I'm home this winter and keeping the gas furnace thermostat set to a very low temp, but high enough to prevent freezing pipes.Before I go to bed I close the bedroom door and turn on a portable electric radiator style space heater (the kind filled w/liquid). I'm safe and keep it away from everything. It's a 1500 watt heater and has the option to run at 600, 900, or 1500. I'm pretty sure it doesn't run constantly, as I hear it click sometimes indicating its kicking back on to maintain its temp. It's non-programmable but does have a dial to control the temp. I'd say the heater is from the mid 1990's. I've been running it on the 600 watt setting when it gets down to the lower 50's outside, and 900 watt when it's gotten down to the mid-30's. It keeps the room nice and warm enough to sleep and wake up to the next morning. I would imagine when it starts to get down to freezing temps outside I might need to crank it to the 1500 watt setting. That's a lot of watts, so that's my concern with it approaching the cost of running the furnace HVAC system. But keep it mind, I don't think it's constantly running at 1500, I think it's only when it needs to.Am I better off $ wise to use this space heater or to program the gas furnace to kick on to a comfortable temp a few hours before I wake up and off again when it's time for work? My main concern is being able to wake up to a warm room. I can combat the cold sleeping temps with wool socks and extra blankets. I would also keep my door close to contain the heat if I went that route.Thanks in advance for your insight!
Evolve Macaw Water-Saving Handheld Showerhead with 4" Spray Head, 5 Spray Patterns and 59" Metal Hose - Save $75/Year on Billshttp://home.dailysteals.com/

Condition: New
Packaging: Retail
Warranty: 1 Year
Brand: Evolve
Model: SS-2301BN-SBPrice is good compared to elsewhere
HSA options
Added on : Friday October 19th 2012 08:00:56 PM
I have $5k of medical expenses this year.I have two options,1) Pull the money from my HSA.
2) Pay the bills from money I set aside for my 2012 ROTH contributions.My HSA balance is just over $9k and I would like to open an account with TD Ameritrade account through HSABank. From what I've read there is no fee if the account is over $5k. If I pay the medical bills from the money set aside for the Roth I would still have $4k in my regular HSA account and have $5k for the brokerage account.Any thoughts?L4MC
Evicting girlfriend in NJ
Added on : Friday October 19th 2012 04:00:53 PM
What is the proper procedure to evict a non-paying tenant who is an ex girlfriend?My girlfriend and I live in the same condo. All bills are paid by me and are in my name. She has lived with me for 2 years. She does not have a lease. I have searched but, have only found forms relating to evicting tenants who have leases and are or were supposed to be paying.Do I even need to follow eviction rules? Can I just change the locks and put her stuff in the hallway?
Received the following email today from Barclays:
Score big this season with 20,000 bonus points

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Just use your card every time you make a purchase to take advantage of this great offer. Remember, you need to spend over $500 in new purchases each month from November through January to qualify. You'll be redeeming your points for great NFL behind-the-scenes experiences, NFL merchandise, tickets or 1% Cash Back in no time at all!

Offer is valid for select cardmembers and is not transferable. You will earn 20,000 bonus points after you charge over $500 in net retail purchases (purchases that are not returned or rescinded) each month from November 1, 2012 through January 31, 2013. If you do not spend over $500 in any of the 3 months of the promotion, you will not be eligible for any bonus points as part of this offer. To receive your bonus points, your account must be open and in good standing. Purchases made during periods when your account is delinquent, your balance exceeds your credit line or your account is otherwise not in good standing as defined in your Credit Card Cardmember Agreement do not qualify for this offer. Your bonus points will appear on your statement up to 6-8 weeks after the end of the promotion. Net retail purchases do not include such things as the purchase of money orders, traveler's checks, foreign currency, lottery tickets, gambling chips, wire transfers, person-to-person money transfers or using the account to obtain a cash advance.

Cardmembers may redeem Points for a variety of rewards including NFL gift cards, certain NFL merchandise, NFL collectibles, NFL-based experiences and Cash Back via a statement credit toward any purchase transactions of $25 or more that posted to your account within the last 90 days. All rewards selections are subject to availability. Statement credits will appear on the Account within one billing cycle after the Points are redeemed. A statement credit does not constitute a payment and you are required to make your minimum payment due. Statement credit redemptions cannot be changed, are non-refundable and non-transferable. To redeem Points for rewards, Cardmembers should visit www.mynflcard.com.

I already received the 2000 points signup bonus, so this is another nice bonus to add to that!
Pay medical bills with CC
Added on : Saturday October 06th 2012 07:00:49 AM
My health insurance through my employer is a family plan HSA. $4000 deductible, $8000max out of pocket. 80/20 after the deductible is met. We contribute just under the federal maximum of $6250.My wife is due to give birth in 3 weeks to our second child.I currently have two credit cards that have Cash Back bonuses after the initial spend requirement. One is 250 after 2000 spend. The other is 400 after 1000 spend.Is it possible to pay the hospital with both of these credit cards then get a reimbursement from the HSA to pay off CC with pretax dollars? Then I can cash in on the points rewards.Even with any CC fees to pay the Hospital bills, it seems I would come out ahead.Any critiques, criticisms, or ideas of my plan are appreciated.
I recently downgraded my Citi checking account from Citigold, because I had moved a bunch of mutual funds I was holding there to another firm where I consolidated my investments and no longer had the balances required for Citigold. Just checked my account today and found that I was charged a $9.95 Quicken fee, which I had completely forgotten about. I'm kind of shocked that they still charge this since I know that Chase got rid of their charge a while ago and thought no one still charged for it. But apparently Citi still insists on ripping off their customers for what should be an included service. I will try to get them to reverse the charge but I guess I have a month to figure out to do about my accounts there.I have been debating what to do about my accounts at Citibank, since it is still my primary checking account (with direct deposit) and many of my bills are paid from a money market account I have there, but I hate their mobile deposit app (it makes you enter your ATM card number each time you go to make a deposit) and had been considering dropping them entirely. I could switch to Chase, where I already have an account and they have very good mobile deposit. Capital One would be a good choice if they had mobile deposit (they do not yet).Any suggestions? I'm in the NYC metro area. Would love to find a bank with good mobile deposit, free Quicken access, free ATM access (or a large number of branches, like Chase) and decent interest rates on savings. I've found several with 3 of 4.
Can you take out a student loan to study for the MCAT exam?
Added on : Tuesday October 02nd 2012 03:00:50 AM
It's not uncommon for people to study 3-6 months for the MCAT meanwhile you have to pay the bills. Thanks.
An overview of Mint and other financial consolidation websites
Added on : Sunday September 30th 2012 10:00:49 PM
I realize that FWF isn't my 'blog', nor are the tenants fans of "look, read this" URL postings. What I did find relevant was the common thread I read here often of "What do you use..and why?" from different posters. I read Arstechnica daily, and their advice is usually at a slightly higher-than-average IQ level, concentrating on science in all its forms. Kinda strange to see a financial slant, but I suspect even scientists have money to spend/invest/track. Might be advantageous for the lurkers/newbies here:Text
ING Direct Pay 5 Bills Earn $10 - (Easy $10 for Existing Members)
Added on : Saturday September 29th 2012 12:01:01 PM
Seems like an easy $10Link: https://home.ingdirect.com/getpaidPromotion Period: 10/1/2012 -- 11/30/2012FAQ

What types of bill payments are eligible for this promotion?Any bill that is set up to pay in Electric Orange Bill Pay with a Debit Date between 10/1/2012 and 11/30/2012. Bills paid from your checkbook, Debit Card, or Person2Person Payments are not eligible.

What is the Debit Date?

The Debit Date is the date you select to have the money withdrawn from your Electric Orange to pay the bill.

What is considered a paid bill?

A bill is considered paid when the payment shows up in the Transaction History on your Electric Orange account page. You'll see the payment in your Transaction History around 10 P.M. on your selected Debit Date.

Does it count if I pay the same company multiple times?

Yep, as long as the Debit Dates are between 10/1/2012 and 11/30/2012.

When will I receive my $10?

If you meet the requirements and your account is in good standing, $10 will be deposited into your Electric Orange by 12/31/2012.

Want to learn more about Bill Pay?

Visit our Bill Pay Help Center.

"Exclusive Friends & Family Rates
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Enter at https://www.billslasvegas.com/promo/ Gives ~ 10% discount vs. their published rates.
How to settle auto body injury with State Farm?
Added on : Thursday September 27th 2012 11:00:47 PM
I was involved in multiple car accident last month and my car was totaled (Lexus GS350). There were 5 cars in that accident and I was number four in the pile up. Basically, one guy decided to change lane without looking around and got away. The driver in front of me (#3)in a Honda Civic got panic and slammed on her brakes at 45 mph zone, I could not stop and I reared end her. My airbags were deployed by the crash. Within 10 seconds later, another Ford 150 truck (#5) could not stop and slammed into my rear. This impact pushed my car to the Civic in front of me again and hit another 2 cars (#1 and #2) in front of her. After everyone stopped, my daughter and I were able to walk out of the car. My daughter is 5 and she stayed in her back booster seat. My front end had extensive damages but my rear was bad. The impact from the Ford truck crushed my trunk and broke my back windshield. My car and the Ford truck had to be towed away, the Civic was driveable, and 2 other cars got minor damages in their rear bumpers.My daughter got a few scratches from the broken glasses since she was restrainted all the time in her booster seat and I had bruises from airbags; however, my neck and back were hurt from the rear impact. I went to my doctor for checkup but he refused and asked me to go to ER instead. I went to ER and they did all the X-rays, CAT scans, checkup and gave me some prescription pain killers for concussion treatment. My daughter went to her pediatrian for check up as well. I had to off work for one day because my back and neck hurt and I could not sleep easily.My insurance, Allstate, handled my claim really fast and they totaled the car. I had to pay $500 deductible for comprehensive and they cut me a check 2 weeks later. Three weeks after the accident, the police report came out and the police could not determine the faults and nobody got any citation. It would be a fight between all insurance companies on liability. Two days ago, my Allstate adjuster called me and told me the outcome. The Ford truck insurance (State Farm) will pay 100% for my rear end and 50% for my front end collision, State Farm will also pay 50%, my insurance will pay 50% for the Honda Civic claim. On the body injury, State Farm only agrees to pay 50% for my medical expenses and they can't explain to me why not 100%. My health insurance is still pending the payments from the hospital and everything might cost around $5000 overall.I would like to know how to handle this body injury claim. I think State Farm should cover 100% of my medical expenses and other pain or suffer especially there is a child involved. We are still in the process of sending medical bills to them before they settle. What can I do? Any suggestions or advices? Should I consult an attorney? Thanks for the long post.PS: My insurance - Allstate, Ford truck who reared end me - State Farm,
Lux TX9000TS Touch Screen Seven-Day Programmable Thermostat @ amazon $45.32
Added on : Wednesday September 26th 2012 03:00:10 PM
Been waiting for this to come down in price. A friend of mine bought one earlier this year and liked it very much. It's got pretty good reviews at Amazon so I just bought two for myself.LinkyAmazon.com Product Description
Efficient. Easy. Economical. That's why you'll love the Lux TX9000TS seven-day programmable thermostat. This clever device gives you complete and accurate temperature control at the touch of a finger. Compatible with a variety of heating and cooling systems, this thermostat incorporates do-it-yourself installation, a responsive touch screen, and a large lighted display for straightforward programming and operation.Customize Your Home's Heating and Cooling Schedule
With the TX9000TS it's easy to set a daily heating and cooling schedule for your home, which can ensure your comfort and potentially reduce your utility costs. With easy-to-use menu-driven programming and intuitive touch-screen commands, this thermostat allows you to program up to four different time and temperature settings in a 24-hour period (morning, day, evening, and night). You also have the option of setting a different program for every day of the week.Wallet-Friendly Choice
The TX9000TS can be an energy-efficient choice that can save your family approximately 33% on energy bills.It comes pre-programmed with a default energy-conserving heating and cooling schedule that's designed to save up to $180 in energy costs over one year.And thanks to the keyboard lockout feature, the TX9000TS is great for households with small children or other potential unauthorized users.User-Friendly Features and Operating Simplicity
Incredibly user friendly, the TX9000TS boasts a range of helpful features to simplify both programming and everyday operation. First, a large blue electroluminescent display is easy to read--even in low light--and clearly shows the current day, time, temperature, and filter status.Additionally, audible touch confirmation indicates that your choices are being registered, while snowflake and flame icons indicate cooling or heating mode. For further convenience, a filter-usage monitor allows you to set filter limits from zero to 720 hours of use, and a "replace" icon will appear when battery power is running low.The TX9000TS is compatible with a number of heating and cooling operational systems, including most 24-volt systems, single-stage s