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g: 0 Posted By: remick
Views: 40 Replies: 0 http://www.amazon.com/gp/product/B0041OT638

Total Quality Management, Leadership & Management Science

Turnaround Strategies for Customer Centric Operations is a turn-by-turn guide for leaders who endeavor in operational restructuring of underperforming organizations. The proposed approaches and suggested strategies, tactics, and methodologies are customer-centric, data-driven, and quality-oriented. This book brings a very structured approach to an otherwise overwhelmingly complex challenge: operational turnaround.

The approach presented is structured strategy: a simple, organized, results-oriented recovery plan, together with decisive, superior execution of such plan, can increase dramatically the chances for a successful and stable operational turnaround and the undeterred progress towards profitability and growth. Essentially a leadership and management science book that reads like a novel and brings easy-to-use tools for transformational leaders regardless of industry, Turnaround Strategies is a handbook for total quality management.
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g: 1 Posted By: BRIANW001
Views: 91 Replies: 2 Please dont flame I have searched forums and I have searched the internet and only found one posting on negative income due to NOLs

Hello Fatwallet group,I am seeking advice or insight on how to improve my chances for a First Time Home Purchase. Previously I was turned down to use large NOLs from a previous LLC. The LLC is now closed but my CPA says I must take the NOL write downs. NOL are due to run out in 2014 taxes which would be in mid 2015.I was previous denied a loan with 30% down FICO 800+ and 170k in annual dual income. Bank said I was a solid candidate but when the underwriters received the paper work theyjust kept stringing me along. My CPA said after talking with lender that bank does not want to make the loan. CPA said instead of denying you they will just keep asking for more paper work. I only applied to one bank and it was heartbreaking. With interest rates low this may be my last chance to purchase a home with a good fixed rate in an area I want my kids to grow up in.My Mortgage specifics.
Northern California Home estimated 650K loan 350k Down(yes this is the going rate for a home in this area)

Offering 30% - 35% down (seems like the banks dont care about this number as long as it is above 20%)
Fico 800+
Wife and my income 180K a year

Wife employed outside of family business (no gaps in work history)

I am employed by our family business for over 15 years (no gaps in work history)

Last year withdrew from all LLC membership. I am ona salary work with no ties to business doing the same work.
LLC are owned by siblings who live in another state
Income has been stable over past 3 years


Questions:
Since all NOLs (Net Operating Losses) are now passive what are my chances of getting a loan?
I have found that the loan officers do not speak to the underwriters as a security measure.

Does this mean my chances are determined by which underwrite I am assigned? My CPA says it is amazing how little underwriters know about actual finance and that NOLs actually provide refunds going forward on taxes.

Is there a way I can structure my information better, or talk to someone else at the bank I am trying to get the mortgage from?

I talked with mortgage bankers that say they talk to their underwriters is this a red flag? I heard this is not how the system works.

If anyone hashad asimilarexperiencesplease share them with me. It seems that theMortgageBankersstill so not knowexactly what the underwriters want,also some of themortgagebankers seem like they don'twant to spend time on mymortgagewhen they have easiermortgagesto originate. I hope now thatrefinancinghave droppedsignificantlythat they are more willing to work with more complexmortgages.

Thanks so much for any constructive advice.
Brian
Tax 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
g: 16 Posted By: remick
Views: 1645 Replies: 4 http://www.amazon.com/Survival-Book-Package-Alive-Pocket-ebook/d...

Get Two of the Top Survival Books in the Marketplace for One Low Price

In these uncertain times, are you wondering how you'll survive if the grid collapses?

If so, this is the book package for you. These two helpful guides lay out what you're going to need in order to survive and get out of dodge.

The first book in package is The Bug Out Bag: What You Need to Stay Alive. It describes in detail how to build an effective Bug Out Bag, or BOB, which is a bag you'll use to escape civilization in the event something happens and you aren't able to stay in your home.
If you don't have a bug out bag ready, you're going to waste valuable time gathering resources when you should be on the road. Having a bug out bag ready will allow you to get on the road ahead of the sweaty masses and avoid the mass exodus of people and the associated traffic jams that could put your life at risk.
This book lays out everything you need to have in your bug out bag to ensure survival. Even if you have a bag ready, you may be woefully unprepared for the worst the world has to offer. This book is packed full of tips and suggestions you can use to build a bag containing everything you need.

The second book in the package is The Survival Tin: The Survival Kit You Can Carry in Your Pocket.
Even if you have a Bug Out Bag ready to go, you're not always going to have it with you. What good is your Bug Out Bag going to do you if it's in the trunk of your car or, even worse, miles away tucked into a closet in your hallway?
If you've never been in the military, you're probably unfamiliar with the concept of the survival tin. Designed to fit in your pocket, it's a mini-survival kit packed full of important survival tools that you carry with you everywhere you go. It doesn't contain everything you need, but should contain enough gear to help you make it back to your Bug Out Bag. Carrying a survival tin will drastically up your chances of survival if you're caught outside your home when disaster strikes.
This book covers the items you're going to want to put in your tin, along with a number of optional items that might make life a whole lot easier if disaster strikes while you're out and about. This book is a must if you're interested in survival.

Also:
Survival Family Basics - The Prepper Survival Guide to Bugging Out When it's Time to Get Out of Dodge
http://www.amazon.com/Survival-Family-Basics-Prepper-Bugging-ebo...

Build the Ideal Bug Out Bag: The Ultimate Guide to Preparing a 72 Hour Survival Kit for Surviving Comfortably
http://www.amazon.com/Build-Ideal-Bug-Out-Bag-ebook/dp/B0092GI5W...

Survival Guide for Beginners
http://www.amazon.com/Survival-Guide-Beginners-Vitaly-Pedchenko-...



Totally Free Deals
Sister-in-Law Re-entering Workforce
Added on : Sunday March 23rd 2014 05:00:06 PM
g: 0 Posted By: JBFK
Views: 194 Replies: 4 Hello FWFers,
My SIL is emigrating to the US from India. She has a masters degree in business and a bachelors in electrical engineering. She hasn't had a job in over 3 years, as she was taking care of her sick parents. She doesn't know where to start to find a job here. I've advised working with temp agencies to get her foot on the door. She thinks that her chances of landing a regular job right away are minimal with such employment gap. She already has a green card. Do you guys have other suggestions on what she can do?
-TIA

(Edit: green card info added)
Discussion Deals
g: 1 Posted By: MISTERCHEAP
Views: 451 Replies: 9 Video game trade-in money maker-Wal*Mart offering $46.92 for Ni No Kuni for PS3, Best Buy sells it for $17.99 used
Not only that but BB currently has a Buy 2 Get going on with their pre-owned titles at the moment. PLUS if you have the Gamer's Club Unlocked you can take another $1.79 off each copy you're paying for and end up paying $16.20 a copy before sales tax.

So in the end you could turn 3 copies of this game which you paid $32.40 plus tax for into $140.76 .

Right now WalMart's trade in program is ONLY online, but it's set to start in store on the 26th.

Here's the link to the Ni No Kuni page on WalMart's trade in partner site: http://walmart.cexchange.com/online/cart/BeginAppraisal-ShowAppr...

Here's the pre-owned page from BestBuy.com:
http://www.bestbuy.com/site/ni-no-kuni-wrath-of-the-white-witch-...

I already locked in 3 of them myself. Just have to grab them from BB to ship in, as I doubt this flip will last until the program launches in store on the 26th.

Although if your local store has them in store NEW I would probably just grab them that way since it looks like WM may want the older original black label coverart. So any precautions you can take to reduce your chances of getting denied on this trade-in should definitely be taken.

from cheapestgamer/sd

Important: The package must be postmarked by 3/30/2014 to maintain your appraisal value.
Video Games Deals

Walmart Coupons
g: 4 Posted By: remick
Views: 165 Replies: 1 http://www.amazon.com/Survival-Book-Package-Alive-Pocket-ebook/d...

Get Two of the Top Survival Books in the Marketplace for One Low Price

In these uncertain times, are you wondering how you'll survive if the grid collapses?

If so, this is the book package for you. These two helpful guides lay out what you're going to need in order to survive and get out of dodge.

The first book in package is The Bug Out Bag: What You Need to Stay Alive. It describes in detail how to build an effective Bug Out Bag, or BOB, which is a bag you'll use to escape civilization in the event something happens and you aren't able to stay in your home.
If you don't have a bug out bag ready, you're going to waste valuable time gathering resources when you should be on the road. Having a bug out bag ready will allow you to get on the road ahead of the sweaty masses and avoid the mass exodus of people and the associated traffic jams that could put your life at risk.
This book lays out everything you need to have in your bug out bag to ensure survival. Even if you have a bag ready, you may be woefully unprepared for the worst the world has to offer. This book is packed full of tips and suggestions you can use to build a bag containing everything you need.

The second book in the package is The Survival Tin: The Survival Kit You Can Carry in Your Pocket.
Even if you have a Bug Out Bag ready to go, you're not always going to have it with you. What good is your Bug Out Bag going to do you if it's in the trunk of your car or, even worse, miles away tucked into a closet in your hallway?
If you've never been in the military, you're probably unfamiliar with the concept of the survival tin. Designed to fit in your pocket, it's a mini-survival kit packed full of important survival tools that you carry with you everywhere you go. It doesn't contain everything you need, but should contain enough gear to help you make it back to your Bug Out Bag. Carrying a survival tin will drastically up your chances of survival if you're caught outside your home when disaster strikes.
This book covers the items you're going to want to put in your tin, along with a number of optional items that might make life a whole lot easier if disaster strikes while you're out and about. This book is a must if you're interested in survival.

Also:
Survival Family Basics - The Prepper Survival Guide to Bugging Out When it's Time to Get Out of Dodge
http://www.amazon.com/Survival-Family-Basics-Prepper-Bugging-ebo...

Build the Ideal Bug Out Bag: The Ultimate Guide to Preparing a 72 Hour Survival Kit for Surviving Comfortably
http://www.amazon.com/Build-Ideal-Bug-Out-Bag-ebook/dp/B0092GI5W...

Survival Guide for Beginners
http://www.amazon.com/Survival-Guide-Beginners-Vitaly-Pedchenko-...



Totally Free Deals
Effort/Risk to Reward Analysis of 2014 FWF Techniques (such as MS)
Added on : Thursday March 13th 2014 05:00:15 AM
g: -1 Posted By: robronson
Views: 76 Replies: 3 I'm big on calculating effort-reward ratios to determine if something is worth my time. I also factor risk in there. It seems like most of the things being done in 2014 on FWF have substantial risk with lots of effort involved to receive the reward.

When it comes to risk mitigation, one needs to consider both the magnitude of the bad thing happening and the likelihood. Just because something is rare, like a hurricane or an earthquake, doesn't mean one should ignore insuring against it because the devastation is so high that if it occurs, you're really screwed. Apply that to MS techniques.

What if the FBI decides you might be involved in money laundering or terrorism because you suddenly start transferring tens of thousands of dollars through gift cards for MS? Now you're on the no-fly list and can never get on an airplane ever again. There's no appeal process for that. Maybe the FBI shows up at your job to interview you and it costs you a promotion or even causes you to be fired depending on how aggressive they are. Sure, the chances of this happening are small, but so is an earthquake, and you insure against that.

Then there's the effort of driving to different places to buy the gift cards and load them. And the risk of losing one of them. If you lose one of your $500 reloadable cards then you've wiped out several months of profits. And given the hundreds of cards you're carrying around, the chances of losing one of them is reasonable.

Reward checking accounts don't seem to be worth it anymore. I had one that was 2% that got dropped down to 1%. It's so close to what Alliant CU is paying in the regular checking account that it's not worth fulfilling the requirements for 1%. But I still have the CHEX ding for applying for this account plus the hassle of paperwork and logging in regularly to check for fraud. I thought I might get a new rewards checking and found one that offered a 3% rate in the FWF sticky thread. Then I realized with a $10k cap, I'm making $300 per year. But I could be making $100/year keeping it in a 1-year CD or $70/year at Alliant. So really, the marginal gain is only around $200 per year, which is maybe $120 after taxes. So I'd have to jump through hoops and make sure I use the stupid debit card 12 times per month for $10/month in profit. Subtract out the reward bonus I am losing by virtue of not using my credit card on those 12 transactions and maybe I'm gaining $5 to $8 in profit for a lot of effort. Not worth it to me.

It seems like the biggest value is in credit card signup bonuses because those can be $500 or so in value with minimal effort. The risk being that your accounts may get shut down if they think you're churning. Since Chase is the biggest one currently doing signups, and because I value maintaining my relationship with Chase for actual legitimate (non-churning reasons), I avoid doing signup bonuses with them.

Further, there is risk in doing signup bonuses because your other banks may decide to cancel your credit cards if you have too many new inquiries. That risk varies depending on your credit score and what CCs you currently have. That said, it would be terrible if one of my good credit cards like my grandfathered fee-free 5% PenFed Cash Gas card got cancelled because I had too many new inquiries and PenFed got squeamish. That would cost me a lot of money in the long run for a short-term gain of some bonus points on new card apps. Personally, I find the maximum risk-value with credit card signups to be 2 to 3 per year because that's a "reasonable" amount that won't likely get my accounts at other places closed and I'm still getting decent free stuff.

Everyone's personal value of their time, risk tolerance, and personal situation will be different so you need to decide for yourself what's worth doing and what isn't.
Discussion Deals
Free Ebooks 3-7-14
Added on : Friday March 07th 2014 07:00:11 AM
g: 0 Posted By: jhall1822
Views: 226 Replies: 0 Note: Please make sure these Ebooks are still free as they are not guaranteed at any price! I am only posting 4+ rated books from FreeEbooksToday.com

Six Seconds
Rating - 4.6 (78 reviews)

~A vengeful woman who aches for her place in paradise...In Iraq an aid worker who lost her husband and child in a brutal attack saves the life of an American contractor. Believing he can help her avenge her family's deaths, she follows him back home to the United States.An anguished mother desperate to find her child...In California a soccer mom arrives to pick up her son from school, only to discover that her husband has taken their child and vanished without a trace.A detective who needs to redeem himself...In the Rocky Mountains an off-duty cop rescues a little girl from a raging river moments before she utters her final words in his arms. Haunted by failure, he launches an investigation that leads him to a Montana school where time is ticking down on an event that will rewrite history....Three strangers entangled in a plot to change the world in only six seconds....

RATS
Rating - 4.8 (14 reviews)

~One man on a decades old mission. A woman who hunts him. The bullet they share.
Joe Klinglers debut novel twists from the shadows of a war long past to headlines hiding Washington secrets behind corporate incompetence when two warriors face off. Both skilled at violence. And deception. Both accustomed to winning.Summer greets the land of the midnight sun as a lone rider races across the last American wilderness, delivering on a promise he made long ago. He has many names, but the world only knows a shadow called the Demon.Claire Ferreti, the sniper who will soon hunt him, sips sake in Washington D.C. with her lover, a young General whose specialty is rarely discussed.When a boy finds a small machine, the rider and sniper embark on a collision course that leads to a typhoon-ravaged jungle, a test of skill and ideology, and Claires unconscious body bleeding in the mud. In an instant she becomes the hunted, a tool for survival, and an unforeseen threat as the General pursues her into a labyrinth of cyber-secrets where political expedience and financial reality collide like a fireball piercing steel pipe.

I'm Bored - 50 Ways Your Kids Can Have Fun With Or Without You
Rating - 4.6 (6 reviews)

~How you ever arranged an activity that you thought your kids would totally love an activity that you thought would be a ton of fun?And thenheard him say, Im bored!?I know I sure have, so I decided to come up with solutions. I came up with ideas I thought children would love, and tested them out with my children, their friends, and others. Through this process I learned a lot; but most importantly I learned that there is not one particular activity that EVERY child loves! There are activities that most children love, which make your chances of successfully finding a rewarding activity for both of you easier.So, I created this book, which suits all personality types, ranging from the most introverted to the most extroverted types of personalities.Of course, every child is different and unpredictable at times. Therefore, this book will show you 50 different ways to have fun.The unique aspect of this book is that it not only includes fun things that you and your children can do together, but it also includes things that your children can do when they are alone, as well as when they are with their siblings or friends.This book is an excellent resource for you to keep around when youre at home or on vacation!

Frugal Family Fun: Frugal Activities for family time
Rating - 4.8 (4 reviews)

~Ever been stuck inside your house with your kids with nothing to do? Ever wondered how you and your family could give back to the community? Ever wanted to get more involved in outdoor activities, but just didnt know where to start? Are you looking for ways to make more family time beyond watching a movie or playing a board game? If you answered yes to any of these questions, Fun Family Activities: Frugal Ideas For Fun Family Nights is for you.
This book is here to guide you and your family out of boredom and into excitement. Including engaging and entertaining ideas for toddlers and teenagers, your family is bound to get pumped up about something here. Let this be your imagination tour guide to bring some quality bonding time to your family. From cooking in your own kitchen to volunteering at a soup kitchen, these ideas provide endless, inexpensive ideas to bring your family closer together.

Blood Debt (Touched Series Book 1)
Rating - 4.6 (200 reviews)

~Her whole life, it had just been the two of them. Before her mothers last breath, she gave Camille the information she had craved her entire life: the identity of her father. Daring to contact him, Camille was welcomed by an entire family she never knew existed. But nothing comes without a price, as she discovers when her family claims a legendary heritage tracing back to a Centaur touched by Zeus.As she learns the secrets of her Centaur bloodline, she is drawn into a forbidden love with Drake. Her family acknowledges her life may be the blood debt required to pay for her mothers transgressions. The same person who once held her mother captive, and forced her into decades of hiding, now controls Camille. Her only chance is to seek a piece of her mothers past that will win her freedom and the life she desperately desires.
Totally Free 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
Getting collections removed from my CC by paying them off, any advice?
Added on : Tuesday February 11th 2014 12:00:19 AM
g: 0 Posted By: SweetBearCub
Views: 79 Replies: 3 Greetings.

In total, I owe about $2,000-$2,500 in collection accounts on my credit reports. Though I have several credit cards open in good standing, my credit remains in the low to mid 600's, and I am hoping that paying off all of my collection accounts will raise that score. However, I have heard that collection companies will not necessarily remove collection accounts from a report after payment, but only mark them as paid. I would prefer that they get removed entirely.

I owe about $862 to a creditor, and received a settlement offer of $362, if I pay it within the next 9 days. Should I take this offer? Should I first send some kind of agreement that the collection account be completely removed? How should I word it? What are the chances that the collection agencies would agree to it?

Also, the $500 off offer only applies to this one specific creditor right now. Are my chances good that if I offer other creditors a similar unsolicited offer of 40% of the original debts and a similar "remove completely" agreement that they will accept?

Thanks!

New User Question Deals
g: 0 Posted By: tedhawkins
Views: 58 Replies: 0 Bamboo Over-the-Sink Cutting Board with Collapsible Colander $19.91 + $5.99 S/H

http://www.cutleryandmore.com/island-bamboo/over-the-sink-cuttin...

Bamboo cutting board is reversible and fits over most kitchen sinks
Silicone colander is collapsible, heat resistant up to 450 and measures 9.75-inches round, when extended measures 5.75-inches deep
Removable silicone colander can be used as a steamer designed to fit a 10-inch pot
Ideal for food prep and convenient for rinsing, draining and chopping fruits & vegetables
Hand-wash bamboo cutting board, silicone colander is dishwasher safe

This over the sink cutting board and colander is ideal for rinsing your ingredients and chopping. The removable silicone colander is free standing and can be used to rinse vegetables, fruit and drain pasta. Heat resistant up to 450, the colander can double as a steamer and will fit in 10-inch size pots. The Bamboo cutting board is reversible to use one side for fresh produce and the other for meats or poultry to reduce chances of cross contamination. The cutting board is durable, unique, and functional and 16% harder than hardwoods such as Maple and Oak and naturally resists mold and mildew. Simply hand-wash with soap and warm water and dry thoroughly.
Home & Garden Deals
Questions on college major & future career
Added on : Saturday January 18th 2014 09:00:07 AM
g: 0 Posted By: floridagators2014
Views: 30 Replies: 0 I am in my mid-20s -- getting a late start on college & life for family reasons. I started taking some classes at a local community college last year to earn my AA, and hope to transfer to a 4-year university nest year -- hoping University of Florida.

I have talked to several "academic advisors" at my college, but don't really think they seem to be knowledgeable about the real world. I am also the first to go to college in my family, so asking them for advice is not a possibility either.

My questions is: What major puts me in the best position to have a good career? I know that a job is not guaranteed no matter your major, but I want to give myself the best possible chances. I don't need to be rich, but want to be comfortable -- don't want to live paycheck to paycheck ever. I am also going to more than likely need to support my mother -- and possibly brother as well -- in 10 or so years.

I am good at math and interested in computers. I was thinking about computer engineering or computer science. Possibly double majoring/minoring in math. I looked at nursing, but know that I would be miserable doing that for the rest of my life -- I am pretty introverted.

I have been following FWF for a few years, and there seems to be a lot of knowledge people on this board. I appreciate any advice I get! Thanks everyone in advance.
Personal Finance Deals
6 Hour Newegg Sale 1/15/2014,Sansung C/Laser 99.00
Added on : Tuesday January 14th 2014 10:00:04 PM
g: 0 Posted By: Atrooper
Views: 55 Replies: 0 http://promotions.newegg.com/neemail/guerrilla/LP/14-JAN/index-l...
SAMSUNG Xpress C410W SL-C410W/XAA Color Printer**6Hrs ONLY!** Deal begins at 9:00am PT on 1/15/2014



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New Year's Eve (DVD) - $4.19 w/ FS @ WBShop
Added on : Tuesday January 14th 2014 05:00:07 AM
g: 0 Posted By: slervik
Views: 60 Replies: 0 WBShop has the New Year's Eve (DVD) on sale for $4.19 with free shipping.

"New Year's Eve celebrates love, hope, forgiveness, second chances and fresh starts, with intertwining stories told amidst the pulse and promise of New York City."

Review: 5.6/10 at IMDb LINK

NEW YEAR'S LINK

Also Available:
Valentine's Day (DVD) - $4.19 with free shipping. LINK
g: 0 Posted By: puggle
Views: 177 Replies: 0 Book Perks for today 1-8-14
=26pxSomeone Else's Love Storyby Joshilyn Jackson $1.99
Taking Chances by Molly McAdams =26px$.99
=26pxHalfway to the Grave=26pxby Jeaniene Frost =26px$.99

http://links.e.harpercollins.com/servlet/MailView?ms=NTk5MTc1OAS...
Books Deals
AMEX Platinum 100k MR Card - Transfer offer
Added on : Saturday January 04th 2014 05:00:06 AM
g: 0 Posted By: GoSkins
Views: 128 Replies: 0 My daughter who is a student in College with only a part-time job got this offer. She has high 700 credit score, with no working history and making $11/hr 40hr month. What are the chances she get this card?
Can it be transferred to me or can I co-sign for her?

Thanks for the feedback.
Credit Deals
Chris Bonner Golf Lessons - Orlando area
Added on : Tuesday December 31st 2013 09:00:04 AM
g: -1 Posted By: TomPtz
Views: 188 Replies: 0 Private Golf Lessons: One or Three Chris Bonner GolfIs this near you? Set your location preferencesThe Details:A birdie makes everyone smile and say "nice shot!" Improve your chances of shooting one with private golf lessons from Chris Bonner Golf. This certified golf instructor brings 13 years of experience to the task of getting you down the middle of the fairway.

$39 ($80 value) for a one-hour private golf lesson
$119 ($240 value) for three one-hour private golf lessons
Great for beginners or for intermediate or advanced players

Chris Bonner Golf's Website What You Need to Know:

Sold by Chris Bonner Golf


Limit 1 voucher per purchaser; send as many as you like as gifts
Limit 1 voucher redemption per individual
Class reservations are required and subject to availability
Merchant cancellation/re-scheduling policy of 24 hours applies; voucher subject to forfeiture
All classes must be redeemed by same customer
Available for use beginning the day after purchase
PROMOTIONAL VALUE EXPIRES 180 DAYS FROM THE PURCHASE DATE
PAID VALUE DOES NOT EXPIRE


Other conditions apply

Services Deals

Amazon Coupons
g: 7 Posted By: remick
Views: 776 Replies: 3 http://www.amazon.com/Hunters-Guide-Shotguns-Upland-Game-ebook/dp/B00DJ5RZEW

Recommendations for purchasing the ultimate all-around shotgun
The best shot to use for quail, grouse, woodcock, partridge, doves, pheasants, and rabbits
Instruction on handloading to tailor shells to different birds and situations
Hunter's Guide to Shotguns for Upland Game is a valuable reference that educates hunters about how to find the perfect shotgun to match their needs. The book takes a pragmatic approach for the average hunter looking to get the most bang for his buck and shows that hunters don't have to break the bank to buy a versatile shotgun. It discusses the best guns for various species of upland game and examines the all-important criteria for choosing a shotgun: the hunter's physique, preferred action type and gauge, gun features, price range, whether or not he's hunting with dogs, and other possible uses for the gun such as deer hunting or clay Target games. Profiles of major manufacturers and models showcase a wide variety of shotguns to give readers a good idea of the relative strengths and weaknesses of available products. Once a hunter has selected a shotgun, he will discover how to use custom loads and make modifications to personalize his gun and improve its performance.


Deer Hunting Secrets [Kindle Edition]
http://www.amazon.com/Deer-Hunting-Secrets-Joe-Pineland-ebook/dp/B00DEXCOQS

Learn what it takes to become a legend at hunting whitetail! Let me be your guide. I have been where you are and I know where you want to go.
Growing up in a hunting family with just about everyone being a hunter and having so many diverse ideas about hunting was priceless. And over the years I have met some amazing hunters all over North America. I would like to share with you everything Ive learned from the legends Ive known, and of course everything from my own fantastic hunting success.
Now you can gain in a short period of time, what has taken me years to accomplish.

The 10 Sins of Turkey Hunting with Preston Pittman [Kindle Edition]
http://www.amazon.com/Turkey-Hunting-Preston-Pittman-ebook/dp/B00D7NQFS8

If you dont commit one of the 10 sins of turkey hunting, your chances of bagging a gobbler go up by at least 500 percent. If you go back and replay all the turkey hunts youve been on and failed to bag a bird that youve heard gobble, more than likely youll be able to identify one of these 10 sins that has caused you not to be successful. The 10 Sins of Turkey Hunting is just one of the chapters from How to Hunt Turkeys With World Champion Preston Pittman, where Preston shares more of his knowledge and wisdom from hunting turkeys, winning calling contests and being a turkey call manufacturer for many years.

Gun Safety Guide [Kindle Edition]
http://www.amazon.com/Gun-Safety-Guide-ebook/dp/B00BGH9ECG/

How to Smoke Salmon: an American Indian Guide to Smoking Salmon [Kindle Edition]
http://www.amazon.com/How-Smoke-Salmon-American-Smoking-ebook/dp/B00H7JHQGI

If you are serious about smoking salmon and want to learn how to smoke salmon then this book is for you. This is an introduction as there is a lot to learn. This book draws on more than 10,000 years of ancestral knowledge from Alaska and the Yukon.
Men and Women have been smoking salmon for thousands and thousands of years. Cory Mann / Gutchqena, a Native American, walks you through how to create and obtain smoked fish from an Alaska / Yukon Tlingit American Indian point of view.
Cory Mann / Gutchquena directed the award winning documentary movie Smokin Fish. There is a shorter version on PBS and it is all about Smoking Salmon and this book takes off where that movie falls short. Like the movie this book is a bit of a comedy as well.


Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 303 Replies: 1 http://www.amazon.com/Hunters-Guide-Shotguns-Upland-Game-ebook/dp/B00DJ5RZEW

Recommendations for purchasing the ultimate all-around shotgun
The best shot to use for quail, grouse, woodcock, partridge, doves, pheasants, and rabbits
Instruction on handloading to tailor shells to different birds and situations
Hunter's Guide to Shotguns for Upland Game is a valuable reference that educates hunters about how to find the perfect shotgun to match their needs. The book takes a pragmatic approach for the average hunter looking to get the most bang for his buck and shows that hunters don't have to break the bank to buy a versatile shotgun. It discusses the best guns for various species of upland game and examines the all-important criteria for choosing a shotgun: the hunter's physique, preferred action type and gauge, gun features, price range, whether or not he's hunting with dogs, and other possible uses for the gun such as deer hunting or clay Target games. Profiles of major manufacturers and models showcase a wide variety of shotguns to give readers a good idea of the relative strengths and weaknesses of available products. Once a hunter has selected a shotgun, he will discover how to use custom loads and make modifications to personalize his gun and improve its performance.


Deer Hunting Secrets [Kindle Edition]
http://www.amazon.com/Deer-Hunting-Secrets-Joe-Pineland-ebook/dp/B00DEXCOQS

Learn what it takes to become a legend at hunting whitetail! Let me be your guide. I have been where you are and I know where you want to go.
Growing up in a hunting family with just about everyone being a hunter and having so many diverse ideas about hunting was priceless. And over the years I have met some amazing hunters all over North America. I would like to share with you everything Ive learned from the legends Ive known, and of course everything from my own fantastic hunting success.
Now you can gain in a short period of time, what has taken me years to accomplish.

The 10 Sins of Turkey Hunting with Preston Pittman [Kindle Edition]
http://www.amazon.com/Turkey-Hunting-Preston-Pittman-ebook/dp/B00D7NQFS8

If you dont commit one of the 10 sins of turkey hunting, your chances of bagging a gobbler go up by at least 500 percent. If you go back and replay all the turkey hunts youve been on and failed to bag a bird that youve heard gobble, more than likely youll be able to identify one of these 10 sins that has caused you not to be successful. The 10 Sins of Turkey Hunting is just one of the chapters from How to Hunt Turkeys With World Champion Preston Pittman, where Preston shares more of his knowledge and wisdom from hunting turkeys, winning calling contests and being a turkey call manufacturer for many years.

Gun Safety Guide [Kindle Edition]
http://www.amazon.com/Gun-Safety-Guide-ebook/dp/B00BGH9ECG/




Books Deals

Amazon Coupons
FIFA 14 (X360 or PS3) - $39.99 @ Amazon + FSSS
Added on : Monday December 23rd 2013 02:00:05 PM
g: 0 Posted By: heyyl0w
Views: 15 Replies: 0 Amazon has FIFA 14 (X360 or PS3)for $39.99. $5 over the Black Friday price according to Camelx3.

Rated E for everyone.

Recieved a 9 at IGN. See the full review here.

"Experience the emotion of scoring great goals in FIFA 14. The game plays the way great soccer matches are contested, with innovations to the award-winning gameplay that inspire fans to build play through midfield, dictating the tempo of a match. Feel the tension as chances are created, and experience the thrill of hitting the back of the net. A new feature called Pure Shot and a brand-new ball physics system will transform shooting, making every shot attempt feel real, and when players connect with the perfect strike, feel exhilarating. FIFA 14 delivers engaging online features and live services that connect fans to the heartbeat of the sport - and to each other - through EA SPORTS Football Club. FIFA 14 is soccers social network, where fans connect, compete and share with millions of others around the world."
PS3 Games Deals

Amazon Coupons
Yukon Outfitters Hammock @ woot! - From $19.99
Added on : Wednesday December 11th 2013 05:00:07 PM
g: 0 Posted By: Virgil27
Views: 431 Replies: 0 Yukon Outfitters Hammock @ woot! - From $19.99
Shipping adds $5.00.Chances are, it's probably not exactly hammock weather right now. However, it's never too early to start thinking spring, especially when savings are involved. Woot had this Yukon Hammock from $19.99 and up to $34 off the next lowest price! (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Home & Garden Deals

woot! Coupons
Tax implications of Vanilla purchases and credit card rewards
Added on : Tuesday December 03rd 2013 03:00:07 PM
g: -1 Posted By: antigreenman
Views: 199 Replies: 2 I am a newbie here and have started doing some of the FWF tricks to get Cash Back from Credit Card offers and through the use of Blue Bird account and was wondering about the tax implications.

If you use the Vanilla cards to meet the sign-up bonus requirements, is the sign-up bonus taxable?

If you use your 5% CB cards to buy Vanilla cards, are the rewards earned taxable?


I gather from reviewing from some of the threads that Credit Card rewards are not taxed because they are considered purchase rebates. However, if you are buying Vanilla cards and GCs to load them to Blue Bird, you are not really "buying" anything, right?

On the other hand, over the course of a year I would be buying a lot of stuff on credit cards, this is just a way of maximizing the rewards that are earned. Is there a need to separate out the Vanilla purchases and pay taxes on the rewards earned on those (minus the purchase fee)?


I know that chances of IRS being interested in this is remote, but what is the right thing to do here?
New User Question Deals
g: 0 Posted By: terroralpha
Views: 45 Replies: 0 http://www.walmart.com/ip/PS4-Console-Holiday-Solution-Bundle-w-...

you have to select 1 game and an extra controller or camera. but chances are you were going to buy those things anyway....
PS4 Consoles Deals

Walmart Coupons
Advice on paying down student loans vs. 401k contributions
Added on : Friday November 29th 2013 09:00:10 AM
g: 0 Posted By: br435
Views: 78 Replies: 0 Hi,

Here is our (my fiance and I) situation:

Me:
401k account: 50k (currently maxing out contributions and getting some company match)
Roth IRA: 8k
Cash (savings+checking) assets: 90k @ 1%
Debt: None
Income: Approximately 110k per year right now (20% of that being bonus)

Her:
Cash assets: 10k
Debt: 137k (Some @ 5% and some @ 6.8%)
Income: 55k per year, probably going up to something around 120-140k in 1.5 years when she finishes residency

My question:
We are getting married in a few months and I think there are a couple of things we can do to benefit significantly financially. One is for her to max out her 403b contributions (to get the tax benefits). The other is to pay down her loans to reduce the interest. The question is which to do first?They are to some extent mutually exclusive (at least till her income increases) because we do not have the savings to pay down her loan in its entirety at the moment. So would we derive more benefit in the long term from the tax benefits in the 403b on in the benefits of paying down the high interest loan?

Any and all input welcome. To speed things up I have already considered the financial implications of marriage in general and have decided to take my chances as far as that goes.
Personal Finance Deals
g: 0 Posted By: Canucklehead
Views: 164 Replies: 0 Great way to get inspired and educated in photography. Some good deals in e-books.

50% IS A BIG DEALExceptional Photography Education. Steep Discounts. One Day Only.Once a year, while theres truly unconscionable insanity going on in shopping malls across this continent, Craft & Vision holds a Black Friday sale. Its one of two chances we take to offer killer deals on our products, and it only lasts 24 hours, and the deals start right now!

The discount period is now active and no codes or coupons are required, just fill your cart and go! Sale prices are valid until 11:59 PM (PST) Friday, November 29, 2013.

Almost every product in the C&V store is . Thats something like 80 great chances to improve your photography, all for half of what most people already consider really great prices.
Books & Magazines Deals
Got hit by car from rear in Los Angeles
Added on : Monday November 25th 2013 09:00:09 AM
g: -7 Posted By: cubbychicagolove
Views: 180 Replies: 7 Got hit by car from rear while driving in School Zone. I was driving in designated speed in School Zone as it was morning time. It happened in Los Angeles. a guy driving behind me started honking even there were 2 lanes, but I maintain my speed as it was school zone and very next intersection I had to take right bcz that's where I work. no major damage to car, no injuries to him. Few scratches to my car. but I am feeling pain in my lower back because of the jerk from the hit. I can walk, sit at my desk at work but there is pain.

we exchanged information, took pictures. I have medical insurance, but want to know what are my chances of getting it covered by that guy's insurance?
I reported the accident to my insurance company, and my insurance company contacted his insurance company. Now I need to wait for his insurance company to call me as mentioned by My insurance company.

any good help appreciated
Personal Finance Deals
g: 0 Posted By: Kramden
Views: 323 Replies: 1 This is the new Sonos speaker (just read about it in the paper when it came out a month or so ago).
It has gotten pretty great reviews so farVideo Review .
Everyone is selling it for $200 with a free bridge (so it will work in your house with your WIFI).
Target has it this week with a $20 gift card (speaker available in Black or White).

Link to deal

I know it isn't screaming hot, but what are the chances of a lower price in the next few weeks on a product this new?
Comments?
Headphones & Speakers Deals

Target Coupons
g: 1 Posted By: remick
Views: 262 Replies: 0 http://www.amazon.com/Numerical-Reasoning-Practice-Tests-Explanations-ebook/dp/B00GP4A3ES

If you want to revise for numerical reasoning tests and maximise your chances of passing them, this comprehensive set of SHL-type practice tests will help you prepare in advance and pass them without worry.

"Numerical Tests - Practical Examples" is a full set of 100 practical questions designed to simulate those you can find on the real examinations given by most employers, like Deloitte, PWC, Ernst & Young, HSBC or J.P. Morgan.

With this e-book you will learn how to:
- reason
- analyse
- scan through data
- make quick calculations
- manage timing
- be alert for tricky questions

Additionally, it contains fully worked solutions with detailed explanations to each question so that you can understand it better and avoid the same mistakes in the future.


Also:

How to Cure Test Anxiety: Simple and Effective Strategies for Test-Stress Relief and Overcoming Exam Anxiety for Life (test anxiety, test anxiety cure, ... stress, test taking anxiety, anxiety) [Kindle Edition]
http://www.amazon.com/How-Cure-Test-Anxiety-Test-Stress-ebook/dp/B00GIN6YYY


Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Numerical-Reasoning-Practice-Tests-Explanations-ebook/dp/B00GP4A3ES

If you want to revise for numerical reasoning tests and maximise your chances of passing them, this comprehensive set of SHL-type practice tests will help you prepare in advance and pass them without worry.

"Numerical Tests - Practical Examples" is a full set of 100 practical questions designed to simulate those you can find on the real examinations given by most employers, like Deloitte, PWC, Ernst & Young, HSBC or J.P. Morgan.

With this e-book you will learn how to:
- reason
- analyse
- scan through data
- make quick calculations
- manage timing
- be alert for tricky questions

Additionally, it contains fully worked solutions with detailed explanations to each question so that you can understand it better and avoid the same mistakes in the future.


Also:

How to Cure Test Anxiety: Simple and Effective Strategies for Test-Stress Relief and Overcoming Exam Anxiety for Life (test anxiety, test anxiety cure, ... stress, test taking anxiety, anxiety) [Kindle Edition]
http://www.amazon.com/How-Cure-Test-Anxiety-Test-Stress-ebook/dp/B00GIN6YYY

infamous $0.01 items at Home Depot B&M Hoover wind tunnel HUGE YMMV
Added on : Friday November 15th 2013 10:00:06 AM
g: 0 Posted By: freakinout
Views: 608 Replies: 2 Don't kill the messenger. I know the chances of finding these are slim enough, and the chance of being allowed to buy them are even slimmer, but if you've been around long enough you know that many of us have had success with these penny items See picts for SKUs. Good luck
Home & Garden Deals

Home Depot Coupons
g: 0 Posted By: remick
Views: 17 Replies: 0 http://www.amazon.com/dp/B005V21ZHE
100 free MCR points Nov. 1st
Added on : Wednesday October 30th 2013 10:00:06 AM
g: 0 Posted By: chacuayab
Views: 212 Replies: 0 100 free MCR points

REGISTER NOW TO RECEIVE 100 MY COKE REWARDS POINTS AND UP TO 750 RAPID REWARDS POINTS!**
COME BACK SOON!
The Southwest Airlines Rapid Rewards My Coke Rewards Offer begins November 1, 2013.


Terms & Conditions Privacy Policy FAQ 2013 Southwest Airlines Co.
No purchase necessary. You must be 13 years or older old to be a My Coke Rewards member and 18 years or older to enroll in Rapid Rewards. Offer is only valid for new Member enrollment.
All Rapid Rewards rules and regulations apply. A purchase of any kind will not increase your chances of receiving a code. See Terms and Conditions for details.

** Automatically receive 250 Rapid Rewards bonus points for enrolling in Rapid Rewards. Opt in to receive both Rapid Rewards e-mail communications, stay subscribed for at least three months, and then 500 Rapid Rewards bonus points will be deposited automatically into your account.

Services Deals
g: 13 Posted By: archena
Views: 2602 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Secrets of a Master Closer: A Simpler, Easier, and Faster Way to Sell Anything to Anyone, Anytime, Anywhere [Kindle Edition] was $6.95

Mike Kaplan (Author)

http://www.amazon.com/dp/B008B6V6YO

Publication Date: June 12, 2012

Publisher: Oculus Publishers, Inc.

65 Reviews ★★★★.5

#5 inKindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Sales & Selling

#10 inKindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

If you want to know, step by step, how to quickly, easily, and smoothly walk anyone from being a skeptical prospect to a happy customer that refers you friends, family, and colleagues...then you want to read this book.

Here's the deal:At its core, selling isn't a patchwork of cheesy closing techniques, annoying high-pressure tactics, or gimmicky rebuttals.

True salesmanship follows very specific laws, has very specific steps and stages, and leaves a customer feeling happy and helped. It's honest, respectful, enlightening, friendly, and done with real care. It's the type of selling that wins you not only customers, but fans.

Not coincidentally, this is the type of selling that truly great salespeople have mastered. This is the type of selling that keeps pipelines full and moving, and that builds a strong, loyal customer base that continues to give back to you in the form of customer loyalty, reorders, and referrals.

Well, that's what this book is all about. It will give you a crystal-clear picture of the exact steps that every sale must move through and why, and how to methodically take any prospect through each, and eventually to the close. And how to do it with integrity and pride.

In this book, you'll learn things like...

The eight precise steps of every sale. Leave any out, and you will struggle. Use them all correctly, and you will be able to close unlimited sales.
The true purpose of the presentation and the Crucial, often-missing steps that need to be taken first. If you're making the same presentation mistakes as most other salespeople, this chapter alone could double your sales.
How to easily discover which prospects can use and pay for your product/service, and which can't. Time is your most valuable commodity as a salesperson, and if wasted, it costs you money.
Learn how to smoothly create an abundance of closing opportunities, and know when to act on them and close. This is the hallmark of every master closer. Learn it, use it, and profit.
Why it's a myth that you need to know multiple ways to close deals. Learn this one, simple method, and you'll be able to use it to close all of your sales.
Simple formulas to turn any objection into a closing opportunity. Use them and never fear hearing a prospect's objection ever again.
And a whole lot more!

This is more than a just a book, really. It's a step-by-step sales training course. Each chapter ends with precise exercises that will help you master each technique taught and each step of the sales process.

If you are new to sales, make this book the first one you read, and you will greatly increase your chances for quick success.

If you are a seasoned veteran and are looking for ways to improve your numbers, this book will help you make your sales goals a reality.

SPECIAL BONUS FOR READERS!

With this book you'll also get a free "Road Map" from the author that lays out, in a PDF chart, every step and key principles taught in the book.

Print it out and keep it handy because it makes for a great "cheat sheet" to use while selling, or just to refresh on what you've learned.
From the AuthorHi,

I'm Mike, and I spent six years building and ultimately selling a multi-million dollar software sales company, AllMicro.

I attribute my success most to my ability to sell, which helped me not only get into the business in the first place, but train hundreds of salespeople over the years to build a large, productive sales force.

My experience teaching has shown me that everyone has the potential to be a great salesperson. It only takes three things.

First, you have to know the fundamental principles of selling. No amount of trick techniques or gimmicks can replace an understanding of the underlying laws of sales and persuasion.

Second, you have to know the precise steps that every sale must go through, and how to smoothly walk prospects through each. If you can't, you'll never reach your full potential as a salesperson.

Third, you have to have a strong desire to succeed. I know that sounds trite, but it's true--the best salespeople are inevitably the most driven. Fortunately, once you have the first two prerequisites, this final one usually takes care of itself.

Whether you're new to sales and have no experience or are a seasoned veteran looking for a way to boost your numbers, I can help you.

In my book you'll find the most important principles, techniques, and training exercises that I isolated, tested, and codified during my twenty years in sales and sales training. Regardless of what you're selling, this book will help you sell more and sell faster. This may just be the only book you need to read on sales, but I'll let you be the judge of that.

I hope you enjoy my book and I'd love to hear from you.

Sincerely,

Mike

Totally Free Deals
g: 0 Posted By: archena
Views: 49 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Secrets of a Master Closer: A Simpler, Easier, and Faster Way to Sell Anything to Anyone, Anytime, Anywhere [Kindle Edition] was $6.95

Mike Kaplan (Author)

http://www.amazon.com/dp/B008B6V6YO

Publication Date: June 12, 2012

Publisher: Oculus Publishers, Inc.

65 Reviews ★★★★.5

#12 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Sales & Selling

If you want to know, step by step, how to quickly, easily, and smoothly walk anyone from being a skeptical prospect to a happy customer that refers you friends, family, and colleagues...then you want to read this book.

Here's the deal:At its core, selling isn't a patchwork of cheesy closing techniques, annoying high-pressure tactics, or gimmicky rebuttals.

True salesmanship follows very specific laws, has very specific steps and stages, and leaves a customer feeling happy and helped. It's honest, respectful, enlightening, friendly, and done with real care. It's the type of selling that wins you not only customers, but fans.

Not coincidentally, this is the type of selling that truly great salespeople have mastered. This is the type of selling that keeps pipelines full and moving, and that builds a strong, loyal customer base that continues to give back to you in the form of customer loyalty, reorders, and referrals.

Well, that's what this book is all about. It will give you a crystal-clear picture of the exact steps that every sale must move through and why, and how to methodically take any prospect through each, and eventually to the close. And how to do it with integrity and pride.

In this book, you'll learn things like...

The eight precise steps of every sale. Leave any out, and you will struggle. Use them all correctly, and you will be able to close unlimited sales.
The true purpose of the presentation and the Crucial, often-missing steps that need to be taken first. If you're making the same presentation mistakes as most other salespeople, this chapter alone could double your sales.
How to easily discover which prospects can use and pay for your product/service, and which can't. Time is your most valuable commodity as a salesperson, and if wasted, it costs you money.
Learn how to smoothly create an abundance of closing opportunities, and know when to act on them and close. This is the hallmark of every master closer. Learn it, use it, and profit.
Why it's a myth that you need to know multiple ways to close deals. Learn this one, simple method, and you'll be able to use it to close all of your sales.
Simple formulas to turn any objection into a closing opportunity. Use them and never fear hearing a prospect's objection ever again.
And a whole lot more!

This is more than a just a book, really. It's a step-by-step sales training course. Each chapter ends with precise exercises that will help you master each technique taught and each step of the sales process.

If you are new to sales, make this book the first one you read, and you will greatly increase your chances for quick success.

If you are a seasoned veteran and are looking for ways to improve your numbers, this book will help you make your sales goals a reality.

SPECIAL BONUS FOR READERS!

With this book you'll also get a free "Road Map" from the author that lays out, in a PDF chart, every step and key principles taught in the book.

Print it out and keep it handy because it makes for a great "cheat sheet" to use while selling, or just to refresh on what you've learned.
From the AuthorHi,

I'm Mike, and I spent six years building and ultimately selling a multi-million dollar software sales company, AllMicro.

I attribute my success most to my ability to sell, which helped me not only get into the business in the first place, but train hundreds of salespeople over the years to build a large, productive sales force.

My experience teaching has shown me that everyone has the potential to be a great salesperson. It only takes three things.

First, you have to know the fundamental principles of selling. No amount of trick techniques or gimmicks can replace an understanding of the underlying laws of sales and persuasion.

Second, you have to know the precise steps that every sale must go through, and how to smoothly walk prospects through each. If you can't, you'll never reach your full potential as a salesperson.

Third, you have to have a strong desire to succeed. I know that sounds trite, but it's true--the best salespeople are inevitably the most driven. Fortunately, once you have the first two prerequisites, this final one usually takes care of itself.

Whether you're new to sales and have no experience or are a seasoned veteran looking for a way to boost your numbers, I can help you.

In my book you'll find the most important principles, techniques, and training exercises that I isolated, tested, and codified during my twenty years in sales and sales training. Regardless of what you're selling, this book will help you sell more and sell faster. This may just be the only book you need to read on sales, but I'll let you be the judge of that.

I hope you enjoy my book and I'd love to hear from you.

Sincerely,

Mike

Totally Free 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
Hunters Reserve Roadkill Summer Sausage $5.08 Each & Free Shipping
Added on : Sunday October 20th 2013 09:00:05 AM
g: 1 Posted By: bargnhtrthegreat
Views: 282 Replies: 1 Hunters Reserve Roadkill Summer Sausage

http://www.bargainoutfitters.com/net/cb/cb.aspx?a=532943

1 pound sausage

$5.08 each


No crow food, it's a highway buffet! OK, so maybe this Roadkill Summer Sausage from Hunters Reserve didn't exactly find itself on the business end of a truck grille.

But the tasty mix of exotic meats inside is a delicious blend of the sort of critters you might see taking their chances crossing the road when they shouldn't. The end result is a seriously scrumptious snack that will really turn heads when put out with the cheese and crackers!

A perfectly seasoned, fully-cooked blend of Wild Boar, Venison, Elk, Antelope, Rabbit and Beef
USDA-approved
Great conversation piece
Fun packaging. Weighs 1 lb.


Made in USA


Use code: BH904 for Free Shipping



Retails for $17.95 @

http://huntersreserve.com/original-roadkill-summer-sausage/
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FREE shipping + Free Trial updated everyweek from choies.com!
Added on : Tuesday October 08th 2013 04:00:09 PM
g: 0 Posted By: flyingpidpd
Views: 0 Replies: 0 Items + Shipping = $0 10+ Chances every week.
Just 2 little tasks on facebook, you can have the chance to win!
Here is the link to enter:http://www.choies.com/freetrial/add
Good luck ~

g: 0 Posted By: SweetClover
Views: 139 Replies: 1 Take the the survey locatedhere At the end you will be told whether you are getting the sample, but you don't know what until it arrives at your door. Those who don't qualify will get a coupon, but most have been reporting a sample. To increase your chances for a sample, check mostly the "Strongly Agree" and "Agree" boxes.

This was previously posted in this thread, but this is a new offer.
John Frieda US said: Looking for a little pick-me-up to brighten your day? Click here: https://johnfrieda.safeprocessing.com/survey.aspx to get a free sample of John Frieda products! *Quantity limited, offer good while supplies last.


While the offer was posted on FB, it doesn't appear that you must have FB, the link goes to their website, not a FB app.
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Job Offer Negotiation (Offer on Table vs. Interview with another Company)
Added on : Thursday September 26th 2013 09:00:10 AM
g: 0 Posted By: CorradoJr
Views: 192 Replies: 2 I'm looking for some feedback on how to handle the delicate job offer/negotiation phase of finding a job. I've been out of work for 5+ months and I finally landed a reasonably acceptable offer (Company A). They made me an offer and want me to start next week ASAP. There are a few negatives including it is only a 1 year temporary position, it is not directly in my job field, it involves some travelling (not something I've done before) and the salary is barely at my acceptable "threshold" for what I was making previously (approximately 15% lower than my last salary). My wife is not on board for those reasons. I am glad that after searching for nearly 7 months I have finally landed an offer, but it is causing tension right now. In an financial sense, we manage to "get by" with her salary alone plus my unemployment benefits, but do not have much savings at this point. Also my unemployment benefits may shifting from State to Federal benefits after the 26 week mark, which may lower or eliminate them somewhat.

Other facts: I've been offered the job from Company A yesterday. have an interview with "Company B" in 2 business days. My interactions with Company B are being handled by an headhunter, although I first responded to their ad instead of them recruiting me. The interview with Company B has been delayed for almost a month due to the fact the hiring manager had some family issues to deal with, and I have been patiently waiting since late August for the chance to interview. Company B's position is directly related to my job field, it is a full-time permanent position, the salary is approximately 15-20% higher than Company A (even higher than my last position which is great), it is an established employer, and there is room to grow. The initial phone interview with Company B's hiring manager went for 1.5 hours, and I felt a good rapport on the call. So all in all, a much brighter prospect for me.

So here is my predicament - I really would like to work for Company B, but I won't even have the interview, let alone know an answer until 2 days from now. I really feel like I am putting all my eggs in one basket as I don't even know if they will offer me a job. How can I best handle this situation?

Should I contact the headhunter and let her know what is going on? I don't want to hurt my chances with Company B by "rushing" them, but at the same time do not want to let Company A go so soon. Also, my intuition tells my Company A has been having trouble filling this position and they are desperate. Maybe that give me a little more leverage in asking them to wait for 1-2 weeks? Should I tell Company B's hiring manager (or the headhunter) to expedite their decision - or is that bad etiquette?






Personal Finance Deals
LED Lenser Tac Torch 100 Lumen Flashlight $17.99 + $5.00 Shipping at Woot
Added on : Wednesday September 25th 2013 03:00:06 PM
g: 0 Posted By: Ayla
Views: 217 Replies: 1 http://www.woot.com/offers/led-lenser-tac-torch-flashlight-12



Reg Price: $50.00

Sale: $17.99

Shipping: $5.00




The LED Lenser Tac Torch flashlight is recommended by law enforcement, firefighters and special operation forces all over the world. It's bright beam can be focused from near to far and all points in-between via the simple Turning Focus System. The Tac Torch is made from impact-resistant aluminum specifically for the heavy-duty work of uniformed professionals. Truly dependable in the harshest conditions.

100 Lumen High-End Power LED
Patented Advanced Focus System: combination of a reflector and lens to create a light system that provides both a focused beam for long-distance and a homogenous spill-beam for up-close reading
Patented Modular System: fewer points of contact overall mean fewer chances for system failure
220 meter distance
4 1/2 hour battery life
Water Resistant
Requires (3) AAA batteries

Shipping Note: Eligible for shipping to all 50 states

Warranty: 5 Year Manufacturer
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Planning assets/finance for college
Added on : Tuesday September 17th 2013 06:00:08 AM
g: 0 Posted By: NYKnicksFan
Views: 93 Replies: 0 Our child will start the college next year (Fall 2014).
We both work full-time with family income ranging more than 6 figures and have 90% of liquid asset in the retirement plans (mostlystocks/mutual funds).
In addition, our asset contain investment properties (in personal names), partnership interests (LLC membership).
What steps should we take in order to maximize chances of getting scholarship/possible financial assistance?

Personal Finance Deals
g: 0 Posted By: mezekoner
Views: 293 Replies: 2 http://search.dell.com/results.aspx?s=gen&c=us&l=en&cs=&cat=all&k=grand+theft+auto+v&ref=ac
Los Santos:
a sprawling sun-soaked metropolis full of self-help gurus, starlets and fading celebrities, once the envy of the Western world, now struggling to stay afloat in an era of economic uncertainty and cheap reality TV. Amidst the turmoil, three very different criminals plot their own chances of survival and success: Franklin, a former street gangster, now looking for real opportunities and serious money; Michael, a professional ex-con whose retirement is a lot less rosy than he hoped it would be; and Trevor, a violent maniac driven by the chance of a cheap high and the next big score. Running out of options, the crew risks everything in a series of daring and dangerous heists that could set them up for life.The Entertainment Software Rating Board (ESRB) ratings are designed to provide concise and impartial information about the content in computer and video games so consumers, especially parents, can make an informed purchase decision.




Gift CardPromotional Gift Card Offer: Offer contingent upon purchase of eligible product; Promotional card not valid if eligible product is returned for a refund. If eligible product is returned for a refund after the card has been redeemed, the value of the redeemed card will be deducted from the refund amount. Promotional Gift Card ships separately from purchase and typically arrives in 10-20 days via email and carries a 90 day expiration (except where prohibited by law). Terms and conditions apply. Seewww.dell.com/giftcard/promoterms

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Pirate & Princess Day at the Georgia Aquarium on Sept 7th
Added on : Thursday September 05th 2013 07:00:12 AM
g: 1 Posted By: turtlebug
Views: 181 Replies: 0 On theGeorgia Aquarium's fb page -


ARR! Shiver me timbers, Pirate & Princess Day at Georgia Aquarium is on Saturday, September 7, 2013. Kids 12 and under who come dressed in their finest royal attire or as a scallywag that sails the seven seas will receive FREE admission with each paying adult from 9 a.m. - 6 p.m.

*Special activities will be held in the atrium from 11 a.m. - 2 p.m. Join us for special appearances from Medieval Times, the Atlanta Wenches Guild and the Georgia Renaissance Festival costumed characters! The whole day will be fi...lled with pirates and princesses galore!

Other activities will include Whats Your Pirate or Princess Name, Deepos Chat, tattoo stations, photo opportunities and more. There will also be arts and crafts for our royal and pirated guests as well as chances to win great prizes including tickets to LEGOLAND Discovery Center, Wild Adventures, Disney on Ice presents Lets Celebrate and other local attractions.

*1 FREE child age 12 and under in princess, prince or pirate costume with each paid adult or Annual Pass Member. Each child receives 1 FREE Total Ticket, which includes Aquarium admission, AT&T Dolphin Tales show and Deepo's Undersea Wondershow.
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"Unsafe lane change" ticket-HELP!!
Added on : Sunday September 01st 2013 07:00:09 AM
g: 0 Posted By: stagesiren7
Views: 231 Replies: 22 Okay, so last night I got this completely bullshit ticket for an "unsafe lane change." This was shortly after leaving a light and the cop was behind me. I had my phone in my hand- I was not texting, I was trying to play a song and I was using the "voice-to-text" feature to pull it up. I glanced down for maybe a second and apparently swerved. The cop pulled me over-did not ask if I knew why he stopped me-only if I had been drinking and when I said "No, sir." He said "Well, are you aware that you nearly side-swiped me with your car? I mean was it because you were texting? I don't usually pull people over for texting because we have bigger fish to fry but that was pretty dangerous." I told him that I was not, in fact, texting and what I actually had been doing-so then he tested my eyes to confirm I was not drunk and then asked me to get back in the car. After taking down my information and talking with the other cop who showed up for about 15 minutes, he said "Try to be more careful, alright? You're not a very good multi-tasker are you?" -I felt his tone was demeaning when he said this- I told him that I actually was, and he said "Well, not when you were driving-don't have your phone in your hand when you're driving because you're not a very good driver in that case." I said "I do apologize." I thought, no way in HELL is he going to give me a ticket-and then he does, and says "You got a ticket for not driving in your lane." I was shocked, speechless. I had absolutely no idea what to say.

In retrospect I feel like I could have appealed to him and gotten him to change his mind and let me off with a warning. He asked if I had any questions, and I said no-he indicated my court date and left. Which of course will have to get changed because I have school during that time. There is no fine written or indicated anywhere on the ticket. This is just absolutely UNbelievable. I feel like the only real reason he gave it to me was to help meet his quota. I was with a friend who got pulled over several years ago for swerving and she was not given a ticket. I have been with TWO friends at two different times who were driving drunk, or at least one was very drunk and the other had a sufficient amount of alcohol in her system-she was driving the wrong way in a turning lane- and THEY DID NOT GET SHIT. It would be me that gets ticketed. That is my life. By the time I got home I was absolutely hysterical. I couldn't stop crying. The issue itself is, obviously, mundane but the principle is what's really getting to me. It's so ridiculously absurd and completely unfair. I'm a university student who is also starting a brand new job- I should not have to deal with this. Already I have lost sleep over it.

So, my question is how exactly do I approach this? I really feel like it should just be dismissed but I don't know what the chances of that are. What do I say in court? What the hell do I do?? I was googling advice and I saw an article that said "Write to the officer and see if he will dismiss the ticket." And then another one that said "Try to delay your court hearing as much as possible because the officer is more likely to forget the details." It's already not until the end of the month-but like I said I will have to change it because I have school. I really don't know what the best course of action is here. I am just so angry and upset and I hate that goddamn asshole cop. I do have a lot of respect for cops that do their job properly-not this one. The cop's tone the entire time was not even serious-it was almost like "I can't believe I'm not only 1. Wasting everyone's time doing this but 2. Issuing a ticket for it. Holy shit this is embarrassing." (yes I really need to vent here.) I was driving home late (about 1:30 am), my speed was clocked at 15 and there was almost no other traffic on the road (certainly none where we were) and obviously they were looking for drunk drivers but I was the best they could do because they are absolutely pathetic. I really need advice here, please help.
Preparing to be terminated, few days to act or change minds
Added on : Thursday August 29th 2013 07:00:09 PM
g: 0 Posted By: ptanders
Views: 117 Replies: 2 Sorry, alt-ID here. I'm in a similar predicament to LosingMyShirts thread here

Salaried employee. Did something incredibly stupid -- used corporate funds to purchase random personal consumables (computer hardware upgrades (pricey solid state drives, latest computer processors, max memory, flash drives) for me and my family members, including lots of random odds and ends such as a good amount of recordable media). As part of my technical job, I order 100's of thousands of dollars of equipment and supplies for our large department. I crossed the line and purchased a lot of personal items, little by little, tacked on intermittently to legitimate purchases, over the past 2-3 years. Unfortunately, some of these items were pricey and detected today by a random audit by my director. Items totaled $10-20 grand -- a lot of retail markup (e.g. $300 product priced up to $500). Regardless, it was significant. Almost all of this was personal consumption -- some were incompatible and I discarded them, others I gave to local and non-local family/friends.

Director has notified HR and our VP but wanted to talk with me first. Director requested I return as much of the high value items as possible (by next Tuesday, as I am on vacation tomorrow/Friday), to prove I did not resell them (I have resold very few items, used, no more than 5% of the total). The mass majority were/are still being used. I'm trying to gather up as much as possible as I discarded older/incompatible items and gave away some. Since I no longer am in direct possession of a few of these items, I've trying to locate exact, or similar, replacements immediately through Craigslist. For the computer components still in use, I noted the difficulty in removal and possible loss of data, so the Director said I can bring in the whole item (e.g. laptop) -- I'm hoping a picture of the installed hardware (with a work badge beside it) will suffice, as I have several computers I don't want to drag in.

Director did not say I was being terminated, but did say this is a terminable offense, which I completely agree with. Director mentioned my many years (almost decade) of great contributions and noted this a significant lapse in judgement. I took responsibility and apologized profusely.I noted this was an isolated event (or series of events) and that nothing related to my work function was affected, i.e. maintained integrity in all other work aspects, which is true.As this is a large multi national, I asked if Director would relent to a transfer elsewhere if I've betrayed trust beyond repair, Director said would need to give it more thought.

My hope is my stupid indiscretion will not be widely announced, nor will I face criminal prosecution (I have no prior history). If this is the case, and regardless of whether I am terminated, I am considering a position in a separate department (I recently had a conversation with the hiring manager about the opening and was highly considering applying), both for the paycheck and medical benefits. I injured my hip and knee playing sports the last few years, so was/am planning surgeries on both later this year or next, so the medical benefits are a significant plus. Thankfully, Obamacare kicks in next year and I can pay premiums out of pocket in case of extended unemployment.

FWF has always given helpful and prescient advice. I imagine chances are I will be terminated.
1) Should I take the trouble of gathering and bringing in these items? Especially scouring for the few unaccountable items via Craigslist? Is it just more evidence against me? Or does it help avoid prosecution/etc because it shows transparency in that almost everything was for personal consumption (i.e. not resold for financial gain)?
2) Should I pursue the opening in the outside department? Should I notify my Directors/HR of this possibility when I am (likely) meet with them on Tuesday? Because this is a somewhat related department/work function, personnel will cross-communicate, so this would eventually be revealed, regardless
3) I doubt I will be offered a severance package, but is it likely they make me sign termination papers? Should I try to negotiate something, like no future prosecution or that this indiscretion won't be revealed?
4) Should I be seeking legal counsel immediately? Or await my fate next week?

Thanks in advance.


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g: 0 Posted By: archena
Views: 408 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Passport through Darkness: A True Story of Danger and Second Chances [Kindle Edition] was $14.99

Kimberly L. Smith (Author)

http://www.amazon.com/dp/B005V21ZHE

Publication Date: January 1, 2011

Publisher: David C. Cook

131 Reviews ★★★★★

#1 inKindle Store > Kindle eBooks > History > Africa

#1 inKindle Store > Kindle eBooks > Nonfiction > Travel > Africa

As she shares her extraordinary stories of fighting human trafficking as an ordinary mom, Kimberly Smith offers hope for readers who wonder if God is calling them to greater things.

Passport Through Darkness takes readers on Smiths journey from normal family life and business, to Europe, to the deserts of Africa and ultimately, to the deserts of her own soul as she tries to live well as an imperfect American mom, crusade for justice for orphans around the world, and embrace Gods extraordinary dreams for her. When Kimberly and her husband risk everything to answer Gods call, they see God change and restore themeven amid exhaustion, marital struggles, and physical limitations.

This heartbreaking, heartlifting book is for anyone who longs to see God move their life from normal to one that matters. It is a call to readers to take one more step on their journey to know Gods heart.
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g: 4 Posted By: archena
Views: 414 Replies: 0 The End of the Euro: The Uneasy Future of the European Union [Kindle Edition] was $24.95

Johan Van Overtveldt (Author)

Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

http://www.amazon.com/dp/B0066A8PAA

Publication Date: November 9, 2011

Publisher: Agate B2

6 Reviews★★★★.5
#1 inKindle Store > Kindle eBooks > Business & Investing > Economics > International

The End of the Euro begins with an overview of the birth of the euro itself. Understanding this history is essential to understand the anomalies built into the project from the beginning. These anomalies form the subject of chapter two, along with how they led to the situation that turned Greece, Portugal, and Spain into euro-destroying economic disaster areas. Chapter three shows how this was not an unforeseeable situation, as Europes history is filled with earlier failed attempts to build monetary unions. Chapter four is focused on Germany, by far the most important country within EMU, and why the chances of Germany leaving the union are much higher than is generally assumed. The book concludes with an analysis of what lies in wait for the remains of the monetary union and for a deeply divided and troubled continent in general. Either the EMU transforms itself fundamentally or it disintegrates.About the Author Johan Van Overtveldt is the editor in chief and managing director of Trends, Belgium's leading weekly on business and economics. He has published several books in Dutch and contributes to The wall street journal Europe and other publications. Also the author of Bernanke's Test and The Chicago School, he lives in Brussels.


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Bissell PowerForce Helix Bagless Upright Vacuum @ Walmart - $40.00
Added on : Monday August 12th 2013 04:00:04 PM
g: 0 Posted By: Virgil27
Views: 284 Replies: 0 Bissell PowerForce Helix Bagless Upright Vacuum @ Walmart - $40.00
compare at $61.99
Shipping adds $3.97I have bad news if you're new to dorm living: chances are the Magic Cleaning Gnomes won't vaccum your place while you are gone, leaving you to do some work. This bagless Bissell PowerForce Upright Vacuum will make your chores a breeze, for $17 off with Cash Back, leaving you to get back to studying (or partying). (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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g: 0 Posted By: lovelybones
Views: 160 Replies: 0 Xbox 360 Game +Bonus $10 Gift CardPlaystation3 Game +Bonus $10 Gift CardThis is a pre-order, Ship date is September 17th, 2013.Los Santos: a sprawling sun-soaked metropolis full of self-help gurus, starlets and fading celebrities. Once the envy of the Western world, now struggling to stay afloat in an era of economic uncertainty and cheap reality TV.

Amidst the turmoil, three very different criminals plot their own chances of survival and success: Franklin, a street hustler looking for real opportunities and serious money; Michael, a professional ex-con whose retirement is a lot less rosy than he hoped it would be; and Trevor, a violent maniac driven by the chance of a cheap high and the next big score. Running out of options, the crew risks everything in a series of daring and dangerous heists that could set them up for life.

The biggest, most dynamic, and most diverse open world ever created, Grand Theft Auto V blends storytelling and gameplay in new ways, as players repeatedly jump in and out of the lives of the game's three lead characters, playing all sides of the game's interwoven story.

All the classic hallmarks of the groundbreaking series return, including incredible attention to detail and Grand Theft Auto's darkly humorous take on modern culture, alongside a brand-new and ambitious approach to open world multiplayer
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g: 2 Posted By: archena
Views: 237 Replies: 0 People Analytics: How Social Sensing Technology Will Transform Business and What It Tells Us about the Future of Work [Kindle Edition] was $39.99Ben Waber (Author) http://www.amazon.com/dp/B00CI75ZJ4Publication Date: April 24, 2013Publisher: FT Press7 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Computers & Technology Discover powerful hidden social "levers" and networks within your company then, use that knowledge to make slight "tweaks" that dramatically improve both business performance and employee fulfillment! In People Analytics, MIT Media Lab innovator Ben Waber shows how sensors and analytics can give you an unprecedented understanding of how your people work and collaborate, and actionable insights for building a more effective, productive, and positive organization. Through cutting-edge case studies, Waber shows how:▪ Changing the way call center employees spent their breaks increased performance by 25% while significantly reducing stress
▪ Quantifying the failure of marketing and customer service to communicate led to a more cohesive and profitable organization
▪ Tweaking the balance of in-person and electronic communication can enhance the value of both
▪ Sensor data can help you discover who your internal experts really are
▪ Identifying employees involved in "creative" behaviors can help you promote innovation throughout your business
▪ Sensors and simulations can help you optimize your sick-day policies
▪ Measuring informal interactions can improve the chances that a merger, acquisition, or "mega-project" will succeedDrawing on his cutting-edge work at MIT and Harvard, Waber addresses Crucial issues ranging from technology to privacy, revealing what will be possible in a few years, and what you can achieve right now. In bringing the power of analytics to organizational development, he offers immense new opportunities to everyone with responsibility for workplace performance.About the AuthorBen Waber is President and CEO of Sociometric Solutions, a management services firm that uses social sensing technology. He is also a visiting scientist at the MIT Media Lab, where he received his Ph.D. He was previously Senior Researcher at Harvard Business School.Wabers work has been featured in Wired, the New York Times, on NPR, and he has given invited talks at Google, EMC, and Samsung. His research was selected for the Harvard Business Review s List of Breakthrough Ideas and the Technology Reviews Top 10 Emerging Technologies.
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Investing in Extra Security? (Moving into New Home)
Added on : Monday July 22nd 2013 04:00:09 AM
g: 0 Posted By: thepunkrat
Views: 0 Replies: 0 Hey Guys,I am moving into a neighborhood in New Jersey and the crime rate is near 0% (Maybe 1 report of vandalism in the past year). My wife is telling me we dont need locks on the doors for inside the home, but as I lived in NYC I know first hand apartment break-ins and robberies. Although crime is down in NYC I grew up when it was high, and a part of me doesnt feel that safe without locks on the doors as a "just in case measure" for when we are not home for long periods (vacations) or for low chances of home invasions (Knock on wood). Trying to get a show of hands on what everyone thinks about having extra security at a new home by adding door locks to rooms in the home that require a key. Wifey thinks it is a waste of time and money to get locks that require keys for master bedroom, extra room, and basement.How are your homes setup and do you feel safe about your setup? Had any issues? Thanks in advance for any inputs.
Stastistics help for raffle drawing
Added on : Sunday July 14th 2013 02:00:07 AM
This really isn't a finance question per se, more of a gambling question, but for lack of a better forum for this, i'm putting it here. I am embarrassed because at one time in my life I would have been able to solve this.You have 20 raffle tickets. There are 2 different raffle drawings. You can drop your tickets into one or both raffles, and then a winner is chosen at random.The prize is $100. There are 100 tickets already entered in each of them.What is the best way to use your tickets to maximize your chances of winning. You can win both.
Free Kindle Novel: How Long You Should Wait to Have Sex
Added on : Wednesday July 10th 2013 02:00:11 PM
Free Kindle novel "How Long You Should Wait to Have Sex"
Fun, funny and sexy novel that's a great summer read.Amazon Link
http://www.amazon.com/Long-Should-Wait-Have-ebook/dp/B00CCH4VIQ4.9 out 5 rating on Amazon
Was $4.99, free till 7/11 Synopsis:
Samantha Harper has just turned 30 and she is ready to meet the man of her dreams, so she does. Samantha pretty much always accomplishes what she sets out to do. There's only one problem, after she has sex with him on the first night they meet, he never calls her. Not used to failure, Samantha is furious at herself! She wishes she could just take it back. She wishes she had never had sex with him!... And to her surprise, her wish comes true. She gets not one, but several more chances to go back in time and figure out just how long she has to wait to have sex, in order to get her dream guy to fall for her. Determined not to mess this up, Samantha finally gets her answer to the age old dilemma of How Long You Should Wait to Have Sex.
Ok. Here a little bit of this deal. PSA sells a very good AR-15 LPK (all lower parts except receiver, buffer and stock) for 59.99$. There are some deals around this price but 59.99$ what it is normally running. Now for extra 20$ they added a 8620 bolt. To make it clear 8620 bolt is not a high end. It is a low end. The most simplest bolt on the market. But it seems to be fully assembled so all springs are in place and only what has to be added to make a full BCG is a carrier (with a key), a firing pin, a firing pin retaining pin, and a bolt cam pin. It seems to be a lot, but the idea is to have a spare bolt just for example to test a new rifle or just in case if another deal for the rest of the parts comes across. Chances are the complete BCG might be assembled for 50$ if time allows to wait. My point is that if you need an LPK you sure can chose to buy this one as you are getting a 20$ bolt what is normally at least 35$ (most commonly ~$60).GUNS Palmetto State Armory Classic LPK & AR-15 8620 Bolt $79.99 @PSATo save on shipping you can add a couple of extra reasonable priced accessories like shown bellow. These small parts are useful as spares but never deserves an individual order as shipping would be excessive. So you can add them as a "rider". With all parts bellow it would be ~100$ with shipping. PSA AR15 Barrel Nut 8.95$PSA AR15 Hand Guard Cap 1.49$PSA AR15 Ejector Spring 0.99$PSA AR15 Extractor Pin 0.99
Fancy Student Loan Forgiveness Footwork
Added on : Friday June 28th 2013 08:00:07 AM
tl;dr - Trying to formulate a plan to pay the least amount back for my student loans with the loan forgiveness program.I wanted to run this plan by the Fatwallet community to gather some thoughts. Also, if anybody knows who I could speak to about all this other than my alma mater's financial aid office that would be great. In my experience, they weren't really that helpful when I was in school. Maybe an accountant? I don't know. Do they even have accountants that specialize in student loans? And please keep your political views at a minimum. Chances are, if you're b***hing about something political here, I probably already agree but that's not going to stop me from taking advantage of the system if I qualify!

Situation:

Just graduated and I owe about $160K
My AGI will be around 85-100K. It's pretty stable in my field with low potential for income growth. Actually, I just got hired for an entry-level government job that pays AGI $85K.
Payment Plans

Standard Repayment Plan

Pay 1800/month for 10 years
Total interest accumulated/paid within 10 years is $60K
Total paid back cumulatively is $216K at 10 years

Income Contingent Plan

Pay starts at $1200/month then gradually goes up to $2200/month

Not sure how they get to $2200 but I think that's only assuming my AGI increases. Tried to look for something like an amortization schedule with no luck.

Total payment time is 25 years then the rest is forgiven if there's anything left.
Interest is estimated $88K accumulated/paid at 25 years
Total estimated paid back cumulatively is $250K at 25 years


Loan Forgiveness: If I work for any government or non-profit for 10 years full time and I make the above monthly payments on time, the rest of my student loans are forgiven.

Under the Standard Repayment Plan, this doesn't matter cause the loan is already paid off in 10 years.
Under the Income Contingent Plan

Assuming my AGI stays relatively the same, I'll I keep paying $1200/month
After 10 years, I'd have paid $144K and the rest would be forgiven. This is a potential savings of AT LEAST $77K!

I want to pay with Income Contingent Plan schedule and get my loans forgiven after 10 years. My biggest concern is if the loan forgiveness program will still be in place within the next 10 years. If not, I'll have to pay more interest on the 25-year plan since I didn't do a 10-year plan.
CC Compay: "We Want to See You Can Manage Large Balances"
Added on : Thursday June 20th 2013 06:00:12 AM
Hello all-I am seeking a bit of real world advice regarding building my credit profile. I have a limited credit history (~2.5 years), but have always used the credit I've been extended responsibly. Currently, my FICO is at 765. I have five cards with a total CL of $24,750. In addition to the revolving card accounts, I have three student loans that have been paid in full. I've always paid my cards in full each month and ba r no negative information on my credit report. Now to my question- how do many of the members here achieve such high credit limits? I understand some comes from automatic and requested increases from the issuer and income can also play a role. Besides maintaining a low credit utilization ratio (which I do anyway), there is no practical reason that I would need higher credit limits than I do now. It just feels good knowing a lender would trust me with higher limits. Yesterday I applied for the Barclaycard Arrival card in order to take advantage of the decent sign up bonus. I was approved instantly online for a $5k CL. Out of curiosity, I called the recon line to see if I could get a higher CL. The analyst was very polite and looked over my credit report. She said everything looked great and commended me for using credit wisely. When she began looking at the balances I carry, however, her attitude changed a bit. I really don't spend much on my cards, maybe $1200/mo. She said that although I had high credit limits with other lenders and no negative information, I had not demonstrated that I can actually manage a higher credit limit since I never post a balance near any of my limits. Has anyone ever heard of this? I recall that many individuals believe ~10% utilization is the "sweet spot", but can not using credit that has been made available to you hurt your chances of being offered more credit? If so, what can I do to overcome that? Would churning a card actually benefit someone on this situation? Thanks!
How soon after a refi can I apply for an investment home loan?
Added on : Friday June 07th 2013 11:00:03 AM
I closed on my refi 5/31 and the loan funded today. However, WellsFargo does not yet show the loan as paid off.How quickly can I apply for a loan for an investment property without taking any chances on the refi? How significantly will the recent refi impact my new application?Is 25% down the standard for an investment home loan? And do I just shop at bankrate.com or are there particular lenders known for being more competitive for investment properties?The second loan won't be an issue as far as debt to income ratios.
Putting down more than 20%, best option?
Added on : Wednesday May 29th 2013 07:00:15 AM
Those of you who put down more than 20% buying a home, do you think it's better to take out an 80/20 loan and make an immediate lump payment afterwards or put down the extra and take out a smaller 70/30 loan? For the purpose of comparison, consider the chances of getting both loans to be equivalent. The difference to consider here I think is how the payments apply going forward - how much to interest and how much to principal. Otherwise, the only other consideration I think is that making a large down payment could possibly move one between loan types ie jumbo to conforming.
A way to boost your chances of getting a home.
Added on : Monday May 27th 2013 05:00:12 AM
A personal letter.Interesting that injecting some humanity into a formal process is so powerful.
Student looking for scholarship money
Added on : Monday May 06th 2013 12:01:15 PM
Hey everyone!I'm new to the forum and was wondering if anybody had some advice about finding scholarships as a college student.Applied to some recently, but haven't had any success. Beyond Fastweb.com, any good recommendations for applications that won't take a huge chunk of time? Anything with some real chances for success?Thanks so much!
-Broke Student.
Free Face to Face Interview [Kindle Edition]
Added on : Thursday May 02nd 2013 04:01:00 AM
A successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position. Different types of face to face interview
Top 10 interview questions
Basic etiquette such as dressing for your interview
Discussing your qualifications and achievements
Body language and buzz words
Make your lasting first impression
Ways to get rid of interview jitters
List of things that you need to carry while attending interview
Answering salary related questions
Post interview follow-upThis book will also show you how you can improve your story telling skill, avoid common job interview mistakes, answer salary related questions and to close the interview properly.http://www.amazon.com/dp/B0081R40M8
Free Face to Face Interview [Kindle Edition]
Added on : Thursday May 02nd 2013 03:00:05 AM
A successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position. Different types of face to face interview
Top 10 interview questions
Basic etiquette such as dressing for your interview
Discussing your qualifications and achievements
Body language and buzz words
Make your lasting first impression
Ways to get rid of interview jitters
List of things that you need to carry while attending interview
Answering salary related questions
Post interview follow-upThis book will also show you how you can improve your story telling skill, avoid common job interview mistakes, answer salary related questions and to close the interview properly.http://www.amazon.com/dp/B0081R40M8
Amazon Coupons
Credit goes to Sunnybyday on SD:T-Mobile Nokia Lumia 521 smartphone with a car charger and screen protector for $149.95 NO CONTRACTThe new Windows Phone 8 smartphone, Nokia Lumia 521 for T-Mobile, will be bundled with a car charger and screen protector for $149.95 on HSN - with free shipping and handling and a flex pay option will be available. This is NO CONTRACT PRICE. This deal with debut this Saturday, April 27th, please check local listings for specific air times. Also available on HSN.com Following the HSN debut On April 27th, the Nokia Lumia 521 will be available at Microsoft Retail Stores and WalMart on May 11. The Lumia 521 will be $149 at Microsoft Retail Stores. At WalMart, the Lumia 521 will be available with the retailers exclusive T-Mobile no contract $30 per month unlimited Web and text plan. This is a great deal for a solid mid/low-level smartphone. Looks very handsome with tons of bright color options. Tons of colorful accessories. Has great reviews, IMO way better than the android smartphones sold at this price point. The Lumia 521 is the lowest priced windows 8 smartphone yet. Solid phone as a first smartphone, for parents and Kids. A proper smartphone with very few compromises at this price.if you have a bank of america card and log into BOA's website, you can get $10 off any purchase as well from HSN to sweeten the deal - comes out to $ 139.95 Thanks downluda
For those with Discover card .. . shopdiscover has 5% CashBack on HSN.com... Thanks JackD121The Nokia Lumia 521 Specs -
Display - 4 800 x 480 px IPS screen,
Super Sensitive Touch - touchscreen can be used with gloves on, nails, pen etc
1GHz Dual-core Snapdragon processor
8GB storage,a microSD slot (upto 64 GB expandable),
OS Windows Phone 8,
512RAM,
battery 1430mAh
5MP camera with 720p video recording,
Full Offline GPS with lifetime updates,
MS Office included ,
9.9mm thick , weight 124 grams,
Tmobile 4G HSPA+ 21Mbps connectivity.
SkyDrive cloud storage of 7GB free,
Nokia Music free,
X-Box on phone,
Many Nokia Exclusive apps - City Lense, Music, great photo apps, Nokia Conference, Cinemagraph, Creative Studio, Panorama, Smart Shoot and HERE Drive, Maps and Transit. etc
Windows Phone now has 49 of top 50 apps - Angry Birds, Temple Run, Pandora , TuneIn, Whatsapp, Viber, Facebook, Twitter, LinkedIn, CNN, Fox, NBC, Accuweather, eBay, Chase, BoA, Shazam, Skype, Tripit, Tumblr, wikipedia etc..chances are you will find most of the apps you use here. Not quite up-to iPhone apps level, but getting better every day.Check out apps that are available on windows phone at -
http://www.windowsphone.com/en-us/storeCheck out more about this phone at Nokia website -
http://www.nokia.com/global/produ.../lumia520/GSMArena detailed Specs
http://www.gsmarena.com/nokia_lumia_520-5322.phphttp://www.hsn.com/Image credit : Daniel Rubino, Windows Phone central. Check out their initial review of this device at the link: http://www.wpcentral.com/nokia-lu...mpressionsThe Details..On April 27th, multichannel retailer HSN will introduce T-Mobiles exclusive Nokia Lumia 521 to audiences during its bi-annual Innovation Weekend on HSN, HSN.com and via HSN Mobile. This will be the first time T-Mobile and a Nokia smartphone will be featured during the special event. The Windows Phone 8 smartphone will be bundled with a car charger and screen protector for $149.95 with free shipping and handling and a flex pay option will be available. Please check local listings for specific air times.Following the HSN debut, the Nokia Lumia 521 will be available at Microsoft Retail Stores and WalMart on May 11. The Lumia 521 will be $149 at Microsoft Retail Stores. At WalMart, the Lumia 521 will be available with the retailers exclusive T-Mobile no contract $30 per month unlimited Web and text plan. Powered by Windows Phone 8, the Lumia 521, which will run on T-Mobiles fast nationwide 4G network, is a perfect, everyday smartphone that will embody a range of high-end features at an affordable price. The smartphone features a super sensitive 4 touch screen, 5MP camera with auto focus and 720p HD video recording. It will also include exclusive Nokia applications such as Nokia Music, Cinemagraph, Creative Studio, Panorama, Smart Shoot and HERE Drive, Maps and Transit.http://newsroom.t-mobile.com/arti...-available
T-Mobile Coupons
US & UK students create a free account with your .edu or .ac.uk address Link1. Check your inbox and verify your email address2. Install Hotspot Shield on PC, Mac, iPhone or iPad and enjoy 1 year of premium service for FREE In addition to saving you money on your data plan, Hotspot Shield keeps you private on campus. Maintain control of media and sensitive data that could impage you later in life or affect your chances in the job market.
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Unless you are protected, public hotspots allow web browsers and websites, search engines, social networks, Internet service providers (ISPs), the government, and online snoopers to track and record your browsing sessions and private exchanges. Use Hotspot Shield to anonymize and mask your online activities from anywhere in the world.Ultra-safe surfing with Hotspot Shield`s VPN (Virtual Private Network)
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Change to get a 20 to 50% off coupon for "preferred customers" of Sherwin Williams:
http://www.sherwinpreferredcustomer.com/2013_springBreak/?e=YOUR...Per rules http://sherwinpreferredcustomer.com/landing/438/officialrules.pd... the chances per spin:"Each Preferred Customer that plays the Game will receive a coupon valid for 20%, 25%, 30%, 40%, or 50% off qualifying Sherwin-Williams paints and stains. Each Preferred Customer that plays has a
25% chance of winning a 20% off coupon; a 35% chance of winning a 25% off coupon; a 30% chance of winning a 30% off coupon; a 9.5% chance of winning a 40% off coupon; and a 0.5% chance of winning a
50% off coupon"Seems to work multiple times using different emails in incognito window. With a few spins, 30% is easy and I could get 40% coupon and seems like 50% is possible though may need more spins. If anyone able to get 50% one please report. Seems like they are using cookie tracking and with better cookie manager maybe able to do this faster. Had to try different emails that worked but needed even in incognito chrome. But seems to accept any arbitrary email instead of Youremail@yahoo.comJust FYI, they do publish 40% coupons on and off at some times of year but 50% is more rare so if anyone wanted to give it a spin.
EDIT: updated title and added step wise directions as offer working as of this update:a) use online link decoder like http://meyerweb.com/eric/tools/dencoder/ on MY link due to FW link obfuscation
b) then copy that link in a NEW incognito window -- use Chrome / firefox etc.
c) Make sure you use DIFFERENT emails each attempt in the URL
Change to get a 20 to 50% off coupon for "preferred customers" of Sherwin Williams:
http://www.sherwinpreferredcustomer.com/2013_springBreak/?e=YOUR...Per rules http://sherwinpreferredcustomer.com/landing/438/officialrules.pd... the chances per spin:"Each Preferred Customer that plays the Game will receive a coupon valid for 20%, 25%, 30%, 40%, or 50% off qualifying Sherwin-Williams paints and stains. Each Preferred Customer that plays has a
25% chance of winning a 20% off coupon; a 35% chance of winning a 25% off coupon; a 30% chance of winning a 30% off coupon; a 9.5% chance of winning a 40% off coupon; and a 0.5% chance of winning a
50% off coupon"Seems to work multiple times using different emails in incognito window. With a few spins, 30% is easy and I could get 40% coupon and seems like 50% is possible though may need more spins. If anyone able to get 50% one please report. Seems like they are using cookie tracking and with better cookie manager maybe able to do this faster. Had to try different emails that worked but needed even in incognito chrome. But seems to accept any arbitrary email instead of Youremail@yahoo.comJust FYI, they do publish 40% coupons on and off at some times of year but 50% is more rare so if anyone wanted to give it a spin.
Hello All,I have already posed this question in GMAT Club forums and Wall Street Oasis. I have only received limited feedback, so I thought that I would ask the most financially savvy community on the internet their opinions about career and school guidance. If this is too big a favor to ask by all means give me red.Let me apologize in advance for the length of this post. It is a hybrid of career choice and school questions- I am considering the necessity of MBA school / chances / where to apply and believe I understand the nuances of most schools inside the top 20.I am an Air Force Captain with about 7 years' service. Undergrad double major in Supply Chain/Econ from one of the better Big Ten schools with a 3.7 GPA. Also have an MSc in Quant Finance from an average Pac-Twelve School (not in California!) but with a fairly robust curriculum and 3.8 GPA.My AFSC (MOS) is in the Finance arena, but have had some very atypical assignments, have checked the blocks on deployments to both major AORs in ways that were not standard Bob on the Fob G-8, and am currently working at an Embassy assignment... fair amount of breadth and I'm reasonably sure that for a non combat arms role my profile is strong - would be grateful for feedback on my Linkedin/Resume and would happy to provide on a PM.I have also passed my CFA Level 1 exam and will be sitting for the Level 2 in June.BLUF: I want to work at a hedge fund full stop, first as an analyst, and progressing to a portfolio manager-global macro long/short go anywhere fund. I am not interested in working at a long-only asset manager or mutual fund. Eventually I want to run my own fund and if all goes well (yes that's an optimistic assumption but you have to have goals) I have some longer term plans about how I would want to build out the fund and turn it into more of a venture philanthropy/ emerging mkt micro venture capital endeavor - this would be the crux of any essays I would put in for MBA schools. I would also attempt to parlay my international experience in essays. This plan has evolved, but for the most part it is what I've wanted to do since my junior year of college. The career progression I've sought is pretty self-explanatory to any school with the Master's degree concentration and the CFA, and my rationale would be the school as a natural pipeline for a career change and network exposure. My dilemma is as follows: I am questioning the necessity of attending MBA school at all, because last year I was seriously considering getting out and managed to land interviews at several of the BB banks in NY, which at the time I viewed as a critical stepping stone to the alternative asset space. Managed to land one job offer in the market reg side in oil futures surveillance, but the salary offered was on par with a first time job out of undergrad. I have a spouse with grad school debt and we could not make the numbers work in NYC. I worked closely with Veterans on Wall Street to get to these interviews, but the industry was in such flux with Dodd-Frank at the time that 4 firms asked me to wait until summertime. That said, I've maintained contact with my interviewers and hope/think that they will keep me in mind down the road.In parallel I was offered this very unique Embassy job opportunity; my wife is in the NGO/Int'l Development arena and we had to jump at the chance. In the Air Force you only have 5 days to accept an assignment selection or you have to establish a date of separation and no deferral of an offer. Fast forward to today and we have another year left here, but possibly up to two years if I put in for an extension. Leading up to the week that I accepted the overseas job, I had been cultivating relationships with a few hedge fund managers and sought their counsel - a common piece of advice I got was get the international/life experience, skip the MBA completely, pursue the CFA, and learn Python programming. They also recommended trying to start directly at a HF rather than try to navigate the as-of-yet uncertain maze of what Sales/Trading desks at the big banks will look like post the major regulatory changes. Although they personally said they would speak to me when I returned home - 2 years is a long time and there are no guarantees.Since before I was commissioned I've been trading equities/options on my own and have managed to grow the portfolio to a fairly comfortable level (market hours are friendly in SWA); I have all of my transactions documented and can verify performance figures- I absolutely realize that this is close to irrelevant in hiring for institutional money management but only offer it to further emphasize my dilemma. As an undergrad I was also active in my school's investment association which at the time was running the largest student run fund in the world, and studied in the UK my junior year that concluded with a short internship in London at the LME and a week survey at the Bank of England.Back when I was applying for the Master's program I didn't do as well on the GMAT as hoped and got a 660 which I attribute to poor time management. But that was 7 years ago meaning it is off the books at this point, and I am quite confident I could push above 700 with a reasonable amount of prep. First, given all the above details, is there an overly compelling need for me to go to MBA school? The fact that I was offered an analyst/undergrad position is a concern I have because an analyst's salary will not work for me in either NYC or SF as family planning is going to be a reality in the very near future. The other big banks seemed to be hinting at a senior analyst level or even associate position, but likely for a summer internship offer. I certainly understand the risk they are assuming with an unproven person coming into a new industry. Since that time many of the large firms have come out with military specific programs, which they may have known about when we were speaking, but were not public at that point. Believe me, I have heard and understand the "You're taking the difficult path" rather than the natural one by NOT going to MBA school.Although there are differences between top MBA salaries over the course of career by most normal metrics, in my specific case I'm wondering if the lost opportunity cost is worth it... I will be a little older than your standard post Academy/ROTC guy and low 30s should be prime earning years, even if I am able to attend school cheaply or even for free with Post 9/11 and Yellow Ribbon. I remember looking at Cornell Johnson's 1 year program but the issue with that is no opportunity for an internship and you're left to your own devices at graduation- could be stated from a position of ignorance but I spoke with a few of the military guys there at the time and they recommended going for the 2 year one. With 1 year, the time isn't automatically built in so most of your school experience would be trying to get recruited.Second, If school is absolutely the way to go, for hedge fund specific positions, are there any other schools to seriously consider than Columbia, Wharton, NYU, and Booth? MIT certainly has a lot of academia in that realm with Andrew Lo's finance lab, but I perceive it to be more an operations/quant/management place. For West Coast, I would think both Haas and Anderson are well represented, but Stanford (impossibly tough to get into) seems to be much more tailored to the VC/PE/Startup set.Finally, Is there any factor that I am not thinking about that I should give more consideration? With a 700 GMAT & reasonable quant is there anything more that you would recommend in terms of application approaches other than what I've already mentioned?Thank you very much in advance for any advice you can offer, and once again I apologize for the length of this post.
Possible Surprise Product Sample From John Frieda Hair Care
Added on : Friday March 29th 2013 01:00:44 PM
Take the the survey located here. At the end you will be told whether you are getting the sample, but you don't know what until it arrives at your door. Those who don't qualify will get a coupon, but most have been reporting a sample. To increase your chances for a sample, check mostly the "Strongly Agree" and "Agree" boxes.
"Thank You!Your sample is on the way and will be delivered in 6-8 weeks."
Microsoft Bluetooth Mobile Keyboard 5000 on Microsoft web siteJust got back from Office Depot. Got a Microsoft Bluetooth Mobile Keyboard 5000 for $12.99 plus tax, $37 off. Searching for it on their web site only gives "Item 352894, Microsoft Bluetooth Mobile Keyboard 5000 Black, is not available for purchase at this time." so this is in-store only and maybe a close-out. Includes two AAA batteries but no bluetooth adapter. It paired easily with my Galaxy S3, iPad and HP touchpad. I'm using it right now in fact to type this post. There were about six of them at my store. Pretty nice little bluetooth keyboard if you need one, or more, YMMV as it could be out of stock in your area. There are inventory checkes like this one you can use to increase your chances of finding a store with stock.
Office Depot Coupons
The road to 850 - achieving a FICO score of 850
Added on : Saturday March 16th 2013 10:01:06 AM
Approximately 0.5 percent of consumers reach the 850 mark, according to a 2010 estimate by the Fair Isaac Corporation, creator of the FICO credit score. Although chances are slim of climbing to the top of the top, there are a few who actually have attained it. For consumers looking to join the ranks of those with exceptional credit score scores, Fair Isaac revealed new information recently about the characteristics of credit-score "high achievers." According to the report, those with scores greater than 750 exhibit similar credit habits. They use 7 percent of their available revolving credit, their oldest credit account was opened an average of 25 years ago, and they have an average of seven credit cards, including both opened and closed accounts.The next number to obtain is the VantageScore number. The VantageScore model was developed because there was a need for a highly consistent, more predictive scoring model that is easy to understand and apply. VantageScore numbers go as high as 990.
I've been looking for a wifi enabled thermostat since I missed out on the Filtrete 3M50 at HomeDepot.com for $69 back in January.
Stopped in at the Saginaw Home Depot on Bay Rd. today and they had it on clearance for $75. It was the last one so I picked it up using the Lowes $10 off $50 coupon that was posted on FW last week. $10 off $50 Coupon ThreadCouple hours later on my way home I stopped at The Home Depot on Gratiot Rd. and they had them on clearance for $64 so I went to my truck and grabbed another $10 coupon and bought another. I'll return the 1st one next week. I didn't want to take any chances missing out on using the coupon by trying to get the 1st one price adjusted.The Saginaw Gratiot Rd. store had at least 10 more of them.It no longer shows up on HomeDepot.com but here's another link:
http://www.radiothermostat.com/filtrete/products/3M-50/Receipt Attached.Good Luck!
Home Depot Coupons
Free Kindle Books 3.03.13
Added on : Sunday March 03rd 2013 09:00:40 AM
The Curse of Europa (Europa Mission) Brian KayserPublication Date: 2/6/13You are invited to accompany a crew of eight astronauts on their mission to the Jupiter ice-moon named Europa. Their mission is relatively straight forward, look for evidence of life in a vast ocean, which is trapped beneath a thick blanket of ice. There is one problem though... "The Curse!"Over the past 36 years, man has been trying to explore Europa. Every mission to date has ended in failure. Now in 2056, with a faster space craft, the Global Space Organization is trying one more mission. This fully manned mission will attempt to put humans on the surface to search for liquid water, and possibly life. Will this mission finally be the one to succeed, or will it end in failure as well... or worse?Follow Lt. Commander Patrick Turkovitch, Dr. Juliana Evans, and six other astronauts as they try to make history by being the first humans to set foot on the Jovian moon. Will they find life deep in the oceans of Europa, will they find romance, or will the find that the curse is for real? What are they willing to do to ensure their mission is a success? Find out in "The Curse of Europa"thecurseofeuropa.comEssays for the 99% - The Auction - The Choice by John DavidPublished 1/26/12"A four-course meal for the mind, served through the drive-up window.""This writer is spot on . . . making him one of the biggest dreamers in America at the present time. His writing is eloquent and concise."". . . every American not currently in the 1% should read this book and think hard about the ideas."
The Essays for the 99% are the voice of the speechless, the dream of the hopeless, and the passion of the true Patriots who love this great nation enough to want to save it.This is The Auction, and The Choice. Our government is for sale to the highest bidder, and there will be no "winner" for the American people.There is a word for those who sell something that they do not "own," and that word is "criminal."Make Money With Ebay by Gerald Zimmerman Publication 2/21/13Everywhere you look these days, people are searching for a way to raise some money to live on, or to supplement what they have. Millions of Americans are out of work, and many have given up on getting a job.
Sadly, very few jobs are to be found. And the situation at home becomes a nightmare, something they never thought they would be involved in. People who are used to making good healthy incomes are finding that their unemployment checks are running out, and just keeping their head above the financial waters is going to be a real problem for them.They discover quickly that they can only ask friends and family for money just so many times, and then that source of cash dries up. But the grocer and the gas station still want their money when making a purchase from them, and the mortgage, and the car payment, and the kids clothing, and the food, and electricity for the house, and a few dollars to spend. Those things seem like an impossibility.All of this is causing a huge part of our population to become depressed and down.So begins the text in this book, Make Money With eBay by Gerald Zimmerman. In this day of difficult financial situations, and lost jobs, and failing economies, people everywhere are looking for just a little something to help with their personal finances.In this book, Zimmerman presents the idea of finding things around the house, and at thrift stores and yard sales and from friends that might be sold on eBay. Thousands upon thousands of people are doing just that, and many are making very handsome incomes online.This is a book that is a must for those who need a lift, a shot in the arm so to speak, and an idea of what to do to support their life and their families.Make Your Money Work for You: How to End Your Financial Depression and Secure Your Future by Justin SkibinskiPublication: 1/17/13 Have you ever wondered if there was another way to make money other than having a job? Have you ever wanted to make your money work for you, instead of you working for your money? Do you want to start acting like the wealthy 1% just by making a few changes in the way you utilize your own money?
So whats all this then? Is this another eBook on getting rich quick? Fortunately, no. Make Money Work For You was written to start my lifelong goal of financial security for all who want it. It scratches the surface of the social norms that govern how we ought to deal with our money, while showing you what you must do to defeat said norms.
The tricks and tips in this eBook are essentially frameworks and guidelines that you must follow to become part of the new rich that is burgeoning in our country. There is a new rich in this world and in America in particular. These men and women are not billionaires, but they do live the lifestyle. They have worked hard to setup ways of making a decent amount of money without having to do much of anything after the initial setup.
Finally, for how much this eBook is written about serious matters, I write in a somewhat humorous, nonchalant manner and I hope you take my jokes and humor lightly. I do like having fun - I had a lot of fun writing this eBook and I hope you can enjoy the short ride it has to offer.Best 100 Kindle Fire HD Apps: MKW lIDW way qirh Kinslw Diew HS: UpsRWS mexh 2013 by Michael K. EdwardsPublished 2/26/13
While Kindle Fire HD is designed for reading, you can now load your favorite gadget with a number of free and paid applications to enjoy. These apps will not only improve your reading experience, but will also give you better and increased chances to read and keep track of other sources of entertainment. This book unveils the top 100 apps available for Kindle Fire HD and reasons why they are the right choice for all Kindle Fire HD users.
At the end of this book, you will be able to count your favorite list of apps on your fingers after giving most of them an enthusiastic and fun-filled trial. Simply click on the name of the application or the picture to learn more about the Kindle Fire HD apps available on Amazon.com.
Looking to Reinstate Health Insurance
Added on : Wednesday February 27th 2013 04:01:01 PM
I am just looking for quick advice on my situation, hoping to get insight in the best way to craft a letter requesting reinstatement.My wife had a individual blue cross blue shield health insurance policy while she was working. Her company reimbursed her for the payments she made. She lost her job and so we decided to bring her on to my insurance I had through my job. So we stopped her paying on her plan.Well 2 months later I had an opportunity for a newer better paying job, however it does not offer insurance. The answer seemed simple, apply for individual coverage in a new plan. The hiccup is new plans in Minnesota have an 18 month wait for maternity coverage and we had planned on starting a family this year.We chatted with a Blue Cross Blue Shield representative and they indicated we can request reinstatement of policy by sending a letter explaining why we let it lapse, if approved we would owe for back payment of the policy (3 months) and the plan would be like it was never canceled. ie: Maternity coverage nowSo my options appear to be:1) Get new individual coverage.
a) Wait 18 months to start a family
b) or not wait and pay cash to hospital
2) Cobra, premiums alone almost equate to what I understand to be maternity costs. Add on the 20% coinsurance and its more than cash.
3) Reinstate wife's BCBS shield policy
My question:Has anyone submitted a letter like this requesting reinstatement before? What situations would the company consider approving. I don't want to lie but I want to make sure to say the right things to improve chances. Saying "Hey, I knowingly canceled this plan for better options, but now those options are gone, can I come back please?" doesn't seem like a winner Thanks in advance
Chase South West - two card sign-up in 3 months
Added on : Saturday February 09th 2013 11:01:18 PM
I got the southwest 50k points sign up in Dec, today got one more invitation in mail and I took a shot and went through with invitation code - got another card approved instantly (same CL) and card now shows up in my chase account.Once I achieve the spending limit (2k in 3 months)- what are the chances I will get 50k as promised by the offer (given that I already had one same card offer)
Questions about Term Life Insurance
Added on : Thursday February 07th 2013 02:01:02 AM
There are many existing threads about life insurance that show up on search, but they seem to be mostly questions about situations specific to the poster. I have some general questions for FWF insurance experts.

How important are the financial strength and rating of the insurance company in practical terms? There has been no documented case in the history of the United States of a life insurance policy failing to pay benefits in full. Every case study I have seen shows that a failed insurer goes into receivership by a state guaranty association, and the policy remains in force or is transferred to another insurer. It seems one could even buy a policy from an E/F rated insurer without any real change in outcome.
Do life insurance contract terms (clauses) vary much between insurers? If so, what are the clauses that one should look for? Sites like term4sale.com return quotes from dozens of reputable companies. Are there some companies whose policies are generally bad enough to avoid altogether?
Should life insurance "shopping" be done with multiple insurers at the same time or one after the other? When one goes through underwriting and the actual premium is determined by an insurer, how long does one typically have to buy that policy at that premium?
What should you ask an independent broker to gauge his or her "quality"? And what should you look for in the interactions with that broker to assure that "quality?" Basically, how do you know that you aren't settling for an expensive policy because the broker is pushing his/her preferred insurer?
For how many insurers do independent brokers typically broker? It seems that most tend to work with a dozen or less at most, half a dozen or less typically, often with just 2-3 preferred insurers.
How accurate are online quotes from sites like term4sale.com? The premiums are seldom identical to what you get directly from the insurers' own web sites. Assuming that one accurately self-rates one's class (preferred, regular, etc), are those numbers what one would actually get if underwritten into that class?
Which major insurers are not brokered by independent brokers? Amica Life is one.
Amica has an unusual level term policy where the term, say 30 years, has a only a 10 year premium guarantee where the rate cannot change. For the remainder of the term, the premium can go up or down for the entire class if the population of insured for that class exhibits elevated risk. The premium has presumably never been increased in such a manner in the history of Amica. The premium discount seems to be about 10% over a real 30 year term life policy from Amica. Are there any compelling reasons in favor of this policy?

The most repeated advice on FWF about buying life insurance seems to be: find a good independent broker who can guide the client and underwrite with one or more insurers to get the best policy that meets the client's needs. But the reality is that such a policy is likely to come at a higher cost to the client because no broker can always find the lease expensive policy that meets those needs. There has to be a better way to improve the chances of minimizing that cost. Suggestions are welcome.
Excessive Credit to Income Ratio and Odds of being declined?
Added on : Sunday January 27th 2013 02:00:58 AM
Hello all, Looking to get a general sense of exactly what is considered an excessive amount of credit in relation to one's income, and what credit card companies are likely to either 1) take adverse action, or 2) decline an application for a new credit card, on the basis of excessive credit. I have specifically in mind the Penfed AMEX, Fidelity AMEX, and Northrop Grumman Cash Rebates credit cards. I have found old posts about individuals being declined for excessive credit on all three of these cards, which is a bit worrisome for me as I would like to add these to my portfolio some time in the next several months. I'm wondering if it would be a waste of time for me to try for these cards. Current total credit limits across 7 cards is a little under $100k, annual income around $50k. With regards to my FICO and credit report, I'm comfortable with my chances of approval (FICOs all over 760, 6 year history, 4yr AAoA, 0 inqs in the last 24 months, newest account is 18 months old, 1% util, and no derogs).
Elder Scrolls Beta sign up
Added on : Saturday January 26th 2013 09:00:41 AM
TextCompleting all the optional sections will significantly increase your chances of being selected for beta participation.
Elder Scrolls Online - Beta Signups
Added on : Saturday January 26th 2013 04:00:40 AM
The popular Elder Scrolls series is getting an MMORPG released this year, and they are now accepting applications for Closed BetaYou can sign up here:http://signup.elderscrollsonline.com/It is FREE to apply, but its not guaranteed they will invite you to the Beta. Fill in as many of the optional fields as possible to increase your chancesMore info on The Elder Scrolls Online cam be found in the Wiki:The Elder Scrolls OnlineGood luck and hope to see you in Tamriel!
Missing HSA contribution
Added on : Friday January 25th 2013 04:01:13 AM
Hi all, I'm looking for some advice on how to proceed with this. I started employment in May 2012 and elected to have the full $3100 deducted from my paychecks for the year for a HSA contribution. My employer deducted $182.35 every paycheck, 17 in total, for a total deduction of 3099.95 for the year. Throughout this process I noticed it would usually take 10 days for the money to be posted to the HSA account so it was often difficult to figure out which paycheck the money came from, as it was often posted the same week that a new paycheck was issued. On January 1st, my employer changed HSA vendors. Account balances were closed at bank A and transferred to bank B. $2736.51 was rolled over to my new account and a few days later, $182.35 posted. As this didn't add up to the $3100 (plus interest accrued), I patiently awaited credit for the last $182.35 contribution. Two 2013 contributions for $125 each have now posted so I'm starting to worry. I called both Bank A and Bank B to see where the last 2012 contribution was. Neither bank could tell me much of anything besides the transaction histories I already saw on my accounts. I called the benefits department for my employer and left a message on Tuesday. It has not been returned. Who else should I call in order to make sure this is resolved? Payroll? HR? The banks again?? I feel the longer this goes without resolution, the slimmer my chances of recovering the money. Thanks!
http://www.amazon.com/dp/B00A5B8SSUWhat Foreigners Need To Know About America From A To Z: How to Understand Crazy American Culture, People, Government, Business, Language and MoreLance Johnson (Author)
This unique book paints a revealing picture of America and its people for those foreigners who will benefit from a better understanding of America. It will also inform Americans who want to learn more about the U.S. and how it compares to other countries around the world. World traveler and teacher Lance Johnson studies cultural differences and the difficulties foreigners have understanding crazy America, as some call it. Foreigners might come to the U.S. to work for American employers, to open branch offices or factories for their homeland employers, to start their own businesses, or go to school. Others might work for American organizations in their homelands or have American teachers there. An understanding of American culture and language will contribute to their success. As the title suggests, this book is for foreigners. Dictionaries say they are people who are not citizens of a country. For this book they are defined as anyone who is not sufficiently familiar with American culture to achieve success. This includes the multitudes of foreign-born, naturalized citizens who have lived in the U.S. for years and still struggle with the ways and the language. A foreigner could also be a first-generation American whose immigrant parents did not fully expose their children to American culture and they now pay the price in mainstream U.S. There are lots of other examples, too. FORMAT Each of the 26 chapters brush strokes contributes to the final painting of what America is all about. For ease of understanding, the chapters are grouped into four sections. (The sections are available as individual books as well.) Section I America's Heritage. This defines the historical background of why America and its people became who and what they are today. Section II America's Culture. This section describes everyday life in America, ranging from customs and etiquette, to whats on the minds of Americans, to education. Practical advice is provided for the one million foreign applicants who seek and gain admission to U.S. colleges and universities each year. Pointers are provided on the cultural differences students should expect, and how to get the most from their education. Section III America's Business. This explains the complex business environment, operations, and people-related customs and why the U.S. is an economic juggernaut. Information is provided for starting a business of your own in the U.S. as well as how to increase the chances of your getting hired by an American firm in the U.S. or abroad. Section IV America's Language. These chapters discuss practical ways to improve English grammar, speech, writing, communication skills, and reducing accents. Common English grammar and speech errors made by foreigners are identified and simple tips are provided for overcoming them. ENDORSEMENTS I congratulate you on writing this timely work. This will promote better mutual understanding between America and Asia." - Tommy Koh, Singapore Ambassador to the U.N. and U.S. Your book covers a broad range of topics that I am sure manywill find very useful. - Clark T. Randt, Jr., U.S. Ambassador to China. I greatly appreciate your efforts in sharing with other people your opinion and experience on the exchanges between different peoples and cultures. It is so important for us to better understand each other while striving to build a better world for all. - Zhou Wenzhong, China Ambassador to U.S. I found this book refreshingly different from the general run of books in this genre. - Mohammad Vazeeruddin, India journalist. The A to Z chapters are nicely written and...the language is simple and lucid. - Jay Gajjar, India language professor. I love this books generous use of helpful hints. I highly recommend it for anyone who wants to learn more about America like I did." - Sarah Kim, Korean American business owner.
EIN vs SSN for sole proprietor w-9 form
Added on : Thursday January 17th 2013 03:00:57 PM
I'm new to being a sole proprietor, and I need to fill out some W-9 forms. I was planning on using my EIN, but I just saw on the form instructions that the IRS "prefers" sole proprietors to use their SSN. Does anyone know what that means practically? From my standpoint the EIN is preferable to reduce the number of entities that have my SSN (for identity theft concerns), but the entities seem trustworthy so if I am increasing my chances of an audit or other headache, it seems like maybe I should just use my SSN.I've searched around online, and all I've found is references to this cryptic preference without any further detail.
LLC vs LLP
Added on : Monday January 14th 2013 12:01:00 PM
A buddy and I would like to set up a small business. We are both in the telecommunications business in NY and occasionaly a customer asks for a service we cannot provide. Typically I would make a warm introduction to a buddy at another company. Some of these companies offer a referral fee if the opportuinty I pass gets sold. Sometimes it's a one time others times it can be a residule payment.In essence we are the middlemen. That being said we would like to combine forces and build something on the side. I'm a bit confused on which would make more sense an LLC or LLP. A couple of notes. The chances of us being sued is slim to none as this is just transactional and we would not be dealing directly with the end client. However, if it's not much of a big deal, why not take the extra insurance.We want to limit the amount of reports that we have to provide. If we could file once a year that would be ideal.
We want the entire process to as simple as possible.
Start up costs are just what ever it takes to get the EIN#. This also leads me to ask do I need to spend the $400 to do it with LegalZoom or can I do this on my own and just pay the state fees? Again if it's a huge pain it might be worth paying.Thanks in adavanced.
http://www.amazon.com/dp/B00A5B8SSUWhat Foreigners Need To Know About America From A To Z: How to Understand Crazy American Culture, People, Government, Business, Language and MoreLance Johnson (Author)
This unique book paints a revealing picture of America and its people for those foreigners who will benefit from a better understanding of America. It will also inform Americans who want to learn more about the U.S. and how it compares to other countries around the world. World traveler and teacher Lance Johnson studies cultural differences and the difficulties foreigners have understanding crazy America, as some call it. Foreigners might come to the U.S. to work for American employers, to open branch offices or factories for their homeland employers, to start their own businesses, or go to school. Others might work for American organizations in their homelands or have American teachers there. An understanding of American culture and language will contribute to their success. As the title suggests, this book is for foreigners. Dictionaries say they are people who are not citizens of a country. For this book they are defined as anyone who is not sufficiently familiar with American culture to achieve success. This includes the multitudes of foreign-born, naturalized citizens who have lived in the U.S. for years and still struggle with the ways and the language. A foreigner could also be a first-generation American whose immigrant parents did not fully expose their children to American culture and they now pay the price in mainstream U.S. There are lots of other examples, too. FORMAT Each of the 26 chapters brush strokes contributes to the final painting of what America is all about. For ease of understanding, the chapters are grouped into four sections. (The sections are available as individual books as well.) Section I America's Heritage. This defines the historical background of why America and its people became who and what they are today. Section II America's Culture. This section describes everyday life in America, ranging from customs and etiquette, to whats on the minds of Americans, to education. Practical advice is provided for the one million foreign applicants who seek and gain admission to U.S. colleges and universities each year. Pointers are provided on the cultural differences students should expect, and how to get the most from their education. Section III America's Business. This explains the complex business environment, operations, and people-related customs and why the U.S. is an economic juggernaut. Information is provided for starting a business of your own in the U.S. as well as how to increase the chances of your getting hired by an American firm in the U.S. or abroad. Section IV America's Language. These chapters discuss practical ways to improve English grammar, speech, writing, communication skills, and reducing accents. Common English grammar and speech errors made by foreigners are identified and simple tips are provided for overcoming them. ENDORSEMENTS I congratulate you on writing this timely work. This will promote better mutual understanding between America and Asia." - Tommy Koh, Singapore Ambassador to the U.N. and U.S. Your book covers a broad range of topics that I am sure manywill find very useful. - Clark T. Randt, Jr., U.S. Ambassador to China. I greatly appreciate your efforts in sharing with other people your opinion and experience on the exchanges between different peoples and cultures. It is so important for us to better understand each other while striving to build a better world for all. - Zhou Wenzhong, China Ambassador to U.S. I found this book refreshingly different from the general run of books in this genre. - Mohammad Vazeeruddin, India journalist. The A to Z chapters are nicely written and...the language is simple and lucid. - Jay Gajjar, India language professor. I love this books generous use of helpful hints. I highly recommend it for anyone who wants to learn more about America like I did." - Sarah Kim, Korean American business owner.
Private Student Loan Consolidation - 36k
Added on : Thursday January 10th 2013 08:00:57 AM
Hello,Can anyone provide some advice on the best way to consolidate 36K in private student loans from Wells Fargo and Sallie Mae? All of my loans have (high) variable rates, this is the breakdown:
Ammount Rate Lender
$12,519.18 9.49 WF
$10,930.137.99 WF
$12,515.486.25 SM
I just graduated college (2011) and hate seeing the majority of my payments go interest. My goal is to consolidate all loans under a fixed rate with same or lower monthly payment with either SunTrust or Wells Fargo, as these have the lowest rates I've seen. After I get a consolidation, I hope to increase my payments and do a debt snowball sort of thing to get them paid off in a couple of years. Some more detail that may be helpful is the following:I make 53K a year.
My current payments for Wells Fargo is $239 and Sallie Mae is $93
I have no other debt right now besides a car that will be paid off in June of this year and a 18K Direct Loans student loan.
According to Credit Karma, my credit score is 768.
ETA: I've been employed at my current job for 1-year making the same salary.What are the chances of Sun Trust or Wells Fargo approving me for a consolidation loan without a cosigner? I don't have a cosigner that has good credit and I don't want to get high interest rates like these again. Does anyone else have any suggestions or advice?Thank you for your help!
Gyft is giving $5 to Sneakpeeq--Great deals for new members! Free ring, lip gloss, etc.
So I had never heard of this place before, but Gyft just sent me a $5 gift card to use there (check your accounts!!), so I had a "peek".
When I registered and downloaded the iPad app, it took me to a page to register via Facebook, then to a special "new members" page. The idea on these pages, apparently (in case you're not familiar with sneakpeeq) is to click on an item, look at the price tag, then click that tag for YOUR price. I clicked on a flower rhinestone ring and it came up FREE for being a new member--including shipping. I then had a look around (you only get 40 chances a day to click a tag for a reduced price) and found some awesome Manic lipgloss. I put my Gyft card into the place on the site to add gift cards, used my $10 for being a new member, and got the lip gloss free. There is also still $4 in credits in my account. Pretty awesome!There is a STEEP learning curve to this site, so be patient and be sure to read the sites FAQ. If you explore the site and click product price tags, you earn "badges" worth free shipping, percentages off, etc. When you click on a product you want to buy, the badge you can use will appear on that page. There's a "swap" button that will allow you to use any of the badges you've collected.
Business checking acct w/ good fraud protection?
Added on : Sunday December 23rd 2012 05:01:05 PM
I learned recently that business accounts are not protected from fraudulent transfers.. If a hacker drains your personal checking account, the bank is required by federal law to make you whole. But a hacker drains your business account, there is no such requirement. Although I am very careful about strong passwords, no clicking on phishing emails, etc., I definitely want protection from cyber criminals, even if the chances are relatively low.Are there any banks that have fraud protection for small business owners?
That's right the Mystic 8 Ball is in-stock!!! No backorder here! Find the answers to all your questions. Amaze your friends and family by foretelling the future!!! The Mystic 8 Ball has all the answers! Just like a Magic 8 ball, you can ask this fortune telling ball a yes or no question and turn it over for the answer. The Mystic 8 Ball will assist you in making all your major decisions with 12 possible answers. Is the Mystic 8 Ball a must have for the office? Indications say yes. One in the LinkMystic 8 Ball phrases to live by:Cannot foretell now, Consult me later, Focus and ask again, Unlikely, Indications say yes, Very likely, Chances arent good, You can count on it, Prospect good, No, So it shall be, Absolutely
Bulova Men's Precisionist 96B129 wristwatch on bracelet, $99 shipped
Added on : Wednesday December 12th 2012 11:00:12 PM
Bulova Precisionist 96B129, $99 shippedFrom another deal site:"Ashford offers the Bulova Men's Precisionist Stainless Steel Watch in Silver, model no. 96B129, for $175. Coupon code "AFFPRECIS99" cut it to $99. With free shipping, that's $28 under our September mention and the lowest total price we could find by $98. It features a stainless steel band and case, Japanese quartz movement, date display, and water resistance to 100 feet."The identical watch was recently offered with a leather strap for $89. Bulova generally puts great bracelets on their watches, so in my opinion this is the better deal of the two.The Precisionist line by Bulova is new and Bulova claims an accuracy of 10 seconds per year. The movement on this watch is identical to the other, more expensive, Precisionist models. I'm not a quartz watch enthusiast, but I do occasionally buy one if I think it's a good watch for the money. This is definitely a very good watch for the money.One of the features I love about the Precisionist line is the bracelets are very long. I have a large wrist and need a long bracelet. Chances are you will have to remove links to make this watch fit. It's not a big deal, but is something to be aware of.FEATURESThree Hand
DateCASEShape:Round
Finish:Polished and Brushed
Material:Stainless Steel
Width:44 mm without crown
Water Resistance:30 m (100 feet)
Crystal:Mineral Crystal
Thickness:13 mm
Case Back:Snap Back Closed
Case Length with Lugs:50 mmDIALAttributes:Engraved Circle Pattern
Color:Black
Hands:Silver Tone Hands Luminescent
Markers:Arabic Numerals Silver ToneBEZELMaterial:Stainless SteelMOVEMENTType:Japanese Quartz (Battery-Powered)
Calendar:Date at 3 o'clock
Crown:Pull and Push CrownBANDBand Type:Bracelet
Band Material:Stainless Steel
Band Color:Silver
Width:21 mm
Length:9 inches
Clasp:Double Folding Clasp with Push Button
Ashford Coupons
I had my annual eye appointment yesterday and we went to a new doctor this year who is an ophthalmologist, not just an optometrist. It comes time to decide on glasses or contacts, and she tells me that my insurance company will pay 100% of my contacts and contact lens fitting fee because my prescription is so high that I fall under the "medically necessary" category (anything -10 or higher...I'm at -11.0 and -11.5) This is the first I have ever heard of this. We went to a different office in 2010 and 2011, and they never told me about this and I had to pay a hefty OOP amount after my copay costs for a year's supply of contacts. Note that my insurance has not changed from 2010 to 2012.I called my insurance company this morning to double check all this, and they confirmed that as long as the claim is filed as "medically necessary" that it should have been covered 100%. They can see for 2010 and 2011 that the claim was not filed that way and that I did have significant OOP costs. Insurance company told me to contact the old doctor's office and have them re-file the claim, but since it's been over 6 months my chances of getting anything back are slim.Next, I call the old eye doctor's office, and the woman I speak with has never heard of "medically necessary" claims. The manager is supposed to call me tomorrow morning, but apparently this office doesn't understand VSP insurance at all.Here is my question. Is the old doctor's office liable for not understanding the insurance claim process? The total OOP costs for 2010 and 2011 (that according to my insurance I should not have had to pay in the first place) are around $400. That's a pretty significant chunk of change. Anyone ever had an issue like this where the doctor's office didn't know how to file the claim correctly and you had to pay a lot more than you should have?
529 college savings plan
Added on : Sunday December 09th 2012 12:01:02 AM
Hi AllFor a family which has high chances to move from one state to another within US due to job,what could be best option for 529 collge savings account for my kids.
Also which option is generally considered better pre paid tution program or savings plan?Appreciate your help!
Andy
Head on over HERE and provide info.
Better chances than last similar offer from Pillsbury that was capped at only 1k entrants.
Good luck
Head on over HERE and provide info.
Better chances than last similar offer from Pillsbury that was capped at only 1k entrants.
Good luck
7 Free Boxed Set eBooks -Kindle Amazon
Added on : Wednesday December 05th 2012 11:00:55 AM
Free For Two Days Only Dec. 5th- 6thThe Bachelor Pact by Rita Herron
Marry Me, Maddie -- When Maddie is dumped on television, her brothers' best friend is enlisted to babysit her - but will they fall in love?
Sleepless in Savannah -- a dating game show goes awry and forces Sophie to take a weekend date with a stranger instead of Maddie's brother -- the man she wants to be with.
I Love Lucy -- all Lucy wants for the holidays is to be with her family and the man she loves -- instead she's hiding out from a stalker in a sixties & up community!The Protectors Christmas Box Set by Dorothy McFalls
A Wizard for Christmas -- A lonely schoolteacher desperately wants a perfect Christmas. But mystical forces are threatening more than her holidays...her life is in danger. The only one who seems to know what's going on is a handsome wizard who makes her want to add "romance" to this year's Christmas wish list.
Neptune's Lair -- A young lawyer down on her luck. A demon threatening to steal her soul. The only man who can help her also has the power to destroy her.
Mystical Seduction -- A young anthropologist searching for love on her birthday. An otherworldly hunk determined to make her his sex slave. Add to that a prophecy denied and a demon with murder on his mind. Life is about to get very dangerous...Paranormal Realities by Patricia Mason
Entanglements -- She was driven by love. He was bound by duty. Together they were swept through a vortex to a world of danger.
The Banshee and the Linebacker -- Two brothers, both on course for tragedy. A girl tormented by visions of their deaths. Changing their fate could mean sacrificing her heart.
Fated Hearts -- A girl, afraid to take chances, now about to risk her life. A mysteriously compelling guy who just may be her fate.Down & Dirty: A McCray Crime Collection by Carolyn McCray
All Hallow's Eve
Anatomy
Mary, Mary, Quite Contrary
Devious
Gauntlet
Club DeathThe Missions: The Betrayed Series Ultimate Collection by Carolyn McCray
Ambush
Targeted
Covert
MayhemThe Vicarage Bench Anthology by Mimi Barbour
She's Me
He's Her
We're OneBox of Runes by J. Thorn
The Arrival
The Reckoning
Gold Within
Revenant
5 Free Boxed Set eBooks -Kindle Amazon
Added on : Wednesday December 05th 2012 10:00:55 AM
Free For Two Days Only Dec. 5th- 6thThe Bachelor Pact by Rita Herron
Marry Me, Maddie -- When Maddie is dumped on television, her brothers' best friend is enlisted to babysit her - but will they fall in love?
Sleepless in Savannah -- a dating game show goes awry and forces Sophie to take a weekend date with a stranger instead of Maddie's brother -- the man she wants to be with.
I Love Lucy -- all Lucy wants for the holidays is to be with her family and the man she loves -- instead she's hiding out from a stalker in a sixties & up community!The Protectors Christmas Box Set by Dorothy McFalls
A Wizard for Christmas -- A lonely schoolteacher desperately wants a perfect Christmas. But mystical forces are threatening more than her holidays...her life is in danger. The only one who seems to know what's going on is a handsome wizard who makes her want to add "romance" to this year's Christmas wish list.
Neptune's Lair -- A young lawyer down on her luck. A demon threatening to steal her soul. The only man who can help her also has the power to destroy her.
Mystical Seduction -- A young anthropologist searching for love on her birthday. An otherworldly hunk determined to make her his sex slave. Add to that a prophecy denied and a demon with murder on his mind. Life is about to get very dangerous...Paranormal Realities by Patricia Mason
Entanglements -- She was driven by love. He was bound by duty. Together they were swept through a vortex to a world of danger.
The Banshee and the Linebacker -- Two brothers, both on course for tragedy. A girl tormented by visions of their deaths. Changing their fate could mean sacrificing her heart.
Fated Hearts -- A girl, afraid to take chances, now about to risk her life. A mysteriously compelling guy who just may be her fate.Down & Dirty: A McCray Crime Collection by Carolyn McCray
All Hallow's Eve
Anatomy
Mary, Mary, Quite Contrary
Devious
Gauntlet
Club DeathThe Missions: The Betrayed Series Ultimate Collection by Carolyn McCray
Ambush
Targeted
Covert
Mayhem
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.
Lego (London) Tower Bridge #10214 - $199 at Amazon + 4% ebates
Added on : Monday November 26th 2012 09:00:15 PM
Lowest I've seen for this HUGE set...Get 4% via ebates - Yes, they are offering 4% CB on toys. I guess FW will catch up soon hopefully... Here at AmazonBTW, supposedly this set is set to retire in 2013, so chances are low of getting it at 50% after xmas...
Amazon Coupons
Nothing But Hair Care Sample Pack 1st 5000 - Facebook
Added on : Monday November 19th 2012 04:00:47 PM
Get a Nothing But Hair Care Sample Pack In order to claim your free sample pack you will need 250 points and will need to upload a 'before' photo. Just like them on Facebook and/or Twitter for 150 points. Watch two videos (You don't really have to watch them, just let them run while you do something else) for 100 more, or do more than one of the previous 150 pt ones. You'll have your 250 points. If the points aren't showing up, refresh the page. Submit your points and the claim form will open, fill it out and upload a photo (Your photo isn't published on their wall unless you choose to do so separately.) They will send you a sample pack of all you see in the picture. "No purchase necessary. Purchase does not increase your chances of winning. To qualify to receive the sample pack, user must authorize the Buzztastic application and complete actions equalling 250 points. The claim form must be completed, including uploading a photo. Nothing But reserves the right to alter or discontinue the sample program at any time. Nothing But is not responsible for entries not received or sample delivery delays or errors. U.S. Only."(there are 2153 of the 5000 left)
Get a FREE full-size Nivea Lip Butter . "Like" them on Facebook (I suggest doing this prior to giveaway to save time). For the first 2,000* at 1PM EST each day this week through Friday (11/16)! To increase your chances, go to link just prior to 1 PM EST, refresh page until sign-up form appears. To save time, use Google Chrome browser or use Robo-Form software. NIVEA USA Facebook]Tis the season to be giving, so were giving away 2,000 brand new NIVEA Lip Butters each day this week through Friday before they even hit stores. Come back at 1pm EST every day to claim one! http://bit.ly/NIVEAButter
*While supplies last. Offer is available to the first 2,000 people that sign up every day. 1 unit per household per giveaway.
Starts 11/4 - Netgear NeoTV Streaming Player (NTV200): Staples $10+tax After SER (or lower, YMMV)Starts 11/4 at Staples

Sale Price: $30
Staples Easy Rebate: -$20
Cost: $10 + tax

If you have the 20% off Staples coupon, this would only cost $4!Staples product page
Staples ad
Amazon product pageItem: 369202
Model: NTV200-100NASEnjoy Online Entertainment On Your TV.
Turn your TV into a Smart TV. Introducing NeoTV Streaming Player (NTV200) from NETGEAR. NeoTV Streaming Player turns your existing TV into a Smart TV, instantly streaming thousands of movies, the latest TV shows, music and song selections from every genre possible, the most-viewed videos, the hottest games, updated tech podcasts, and endless other entertainment options straight to the biggest screen in your home. That's access to the best selection of streaming entertainment available with more channels, apps, games and more being added constantly.
Instantly watch thousands of movies - If its out on DVD, chances are you will find it on NeoTV. Enjoy thousands of streaming movies and TV shows from Netflix. Its the worlds largest selection of streaming movies
Stream hundreds of new releases - Dont pick from a list of last years hits or worry about whats in stock at the video store or kiosk. Get the movie on VUDU without the hassleyou can even watch the fi rst few minutes for free
YouTube LeanbackBroadcast Yourself - YouTube Leanback is a new way to watch YouTube videos on any big screen. With simple controls and full screen viewing, Leanback makes watching videos on YouTube as effortless as watching TV
Theyre playing my song! - Sit back and enjoy a listening experience full of current and soon-to-be favorite songs for you. Create your favorite stations on Pandora or listen instantly to your choice of over 12 million full-length songs on Napster
Fling those videos! - Fling from the web directly to the TV. Browse YouTube, Vimeo or Crunchyroll.com videos on your PC and simply fling the video you are watching to the NeoTV and enjoy on your big screen TV
Game on... my friend! - Nothing to do tonight with NeoTV you can spend hours swapping gem stones or beating your opponents in the popular game of Texas Holdem poker
Free download Oct 31 - CrossOver, a Windows emulator for Mac and Linux
Added on : Wednesday October 31st 2012 04:00:05 PM
CrossOver with 12 Months of Support is FREE for 24 hours starting at 00:00 to 23:59, October 31, 2012 (normally $60)From the web site:The CrossOver Difference: Price, Performance, and No Windows License!Whether you're running on Mac OS X or Linux, chances are you need a way to run at least some Windows applications or games. You have several potential solutions to this problem. This page illustrates some of CrossOver's key advantages over other compatibility solutions.In a nutshell, you have three main choices: * Dual-booting: running two separate operating systems on one machine, and switching between them as needed by rebooting. Apple's Boot Camp is an example of this.
* Running a virtual machine (VM): Products such as VMware and Parallels allow you to run a full version of the Windows OS inside a virtual machine running on your native operating system. The Windows applications essentially run in a separate "box within a box."
* Running Wine or CrossOver: Unlike other emulators, Wine is a re-implementation of the Win32 API, allowing applications to run natively on the target OS. CrossOver is a commercialized version of Wine.http://www.codeweavers.com/products/{Is this a hot deal or free stuff? If it cost $0.01, it'd be hot, but at $0.00??}
Free download Oct 31 - CrossOver, a Windows emulator for Mac and Linux
Added on : Wednesday October 31st 2012 03:00:41 PM
CrossOver with 12 Months of Support is FREE for 24 hours starting at 00:00 to 23:59, October 31, 2012 (normally $60)From the web site:The CrossOver Difference: Price, Performance, and No Windows License!Whether you're running on Mac OS X or Linux, chances are you need a way to run at least some Windows applications or games. You have several potential solutions to this problem. This page illustrates some of CrossOver's key advantages over other compatibility solutions.In a nutshell, you have three main choices: * Dual-booting: running two separate operating systems on one machine, and switching between them as needed by rebooting. Apple's Boot Camp is an example of this.
* Running a virtual machine (VM): Products such as VMware and Parallels allow you to run a full version of the Windows OS inside a virtual machine running on your native operating system. The Windows applications essentially run in a separate "box within a box."
* Running Wine or CrossOver: Unlike other emulators, Wine is a re-implementation of the Win32 API, allowing applications to run natively on the target OS. CrossOver is a commercialized version of Wine.http://www.codeweavers.com/products/
Go Here:http://www.verizon.com/whyfiosAnswer the questions (address, email, etc) and listen to online evaluator check options for new Verizon Service. Takes 3 to 5 minutes.Save your choice to the cart (for 10 days)... NO OBLIGATIONDo (or don't do) a quick 3 question survey.You are then taken to "FiOS Fast PASS" Save my Order. Put in your email addy. Click on "Get a FiOS Fast Pass" (which is basically a shopping cart)NOTE: I left the checkmark ON for marketing, knowing I can opt out later.After you click, you'll see the screen "Your Order has been saved. That's it!Supposedly, you get $5 Amazon GC via email, and every thousandth person gets a $100 Amazon.Pasted their T&Cs below:
* One offer per email address, location address or IP address. NO PURCHASE NECESSARY. A PURCHASE DOES NOT IMPROVE YOUR CHANCES OF WINNING. The Verizon $100 Amazon Gift card Sweepstakes begins October 15, 2012 and ends November 17, 2012. For full rules or to enter the sweepstakes follow the onscreen instructions at www22.verizon.com/home/giftcardrules. Open only to legal residents of the District of Columbia and the 50 United States states who are 18 years of age or older at time of entry, reside in a FiOS-eligible area, and complete the quiz or the Verizon Plan Administrator. Sponsor: Verizon Services Corp., One Verizon Way, Basking Ridge, NJ 07920.
Go Here:http://www.verizon.com/whyfiosAnswer the questions (address, email, etc) and listen to online evaluator check options for new Verizon Service. Takes 3 to 5 minutes.Save your choice to the cart (for 10 days)... NO OBLIGATIONDo (or don't do) a quick 3 question survey.You are then taken to "FiOS Fast PASS" Save my Order. Put in your email addy. Click on "Get a FiOS Fast Pass" (which is basically a shopping cart)NOTE: I left the checkmark ON for marketing, knowing I can opt out later.After you click, you'll see the screen "Your Order has been saved. That's it!Supposedly, you get $5 Amazon GC via email, and every thousandth person gets a $100 Amazon.Pasted their T&Cs below:
* One offer per email address, location address or IP address. NO PURCHASE NECESSARY. A PURCHASE DOES NOT IMPROVE YOUR CHANCES OF WINNING. The Verizon $100 Amazon Gift card Sweepstakes begins October 15, 2012 and ends November 17, 2012. For full rules or to enter the sweepstakes follow the onscreen instructions at www22.verizon.com/home/giftcardrules. Open only to legal residents of the District of Columbia and the 50 United States states who are 18 years of age or older at time of entry, reside in a FiOS-eligible area, and complete the quiz or the Verizon Plan Administrator. Sponsor: Verizon Services Corp., One Verizon Way, Basking Ridge, NJ 07920.
Verizon Wireless Coupons
Request for career advice (Update ...)
Added on : Tuesday October 16th 2012 07:00:51 PM
I posted an earlier topic (Request for Career Advice) a few months ago. It's now archived.Recap:
-----
1. Wifey was a stay-at-home mom, looking to get back to work after minding the kids for 6 years. 2. She had a liberal arts background, with an MA in English Literature from a college in India. She was an "Adjunct Professor" there before coming over here. 3. She loves teaching and wanted to be a school teacher. Initially she wanted to be an Elementary teacher (so that she could work in the same school that the kids are goint to go to). That later changed into becoming a math teacher instead. Since Then:
-----------
1. She continued to take math/science courses. She has gathered up about 20 credits already with spring and summar courses. For the current fall, she has 10 more credits in progress. 2. She has maintained straight A's, including an A+ in a summar course from one of the local state universities that give it. 3. Continued to work as a "Math Tutor" in the local community college. 4. In the course of the last few months, her goal has now changed! She no longer wants to be a school teacher (thank god!!). I credit her class instructors (nearly all of them) and people she works with as a Math Tutor for finally being able to do what I couldn't, which is to help her realize how little respect school-teachers get around here. 5. She met with the academic advisors in nearby universities to see what it will take her to get into any Math related (Math/Stat/CS) MS or BS program. We thought that she may have a chance of getting in given her straight A's, extremely strong recommendations and equally strong test scores (e.g. 116 in TOEFL, 1 point shy of an all-time high).
Data point to note: Undergraduate counsellors, themselves not part of the faculty, were either ignoring ("Please fill this form and we will call you back") her, discouraging her ("Why do you want to switch to Math"), or trying to treat her as a money machine ("Well, we know you have an MA in English, but you still have to do these 14 lib arts courses for a BS since we dont transfer those credits"). OTOH, the graduate counsellors (she spoke with 2 of them), themselves part of the faculty, took far more interest into her unusual background and made exceptions happen. 6. One of the local universities have now accepted her into an MS program in Computer Science. She has to do 52 credits instead of the usual 32 credits in order to make up for the lack of her Computer Science background. She has received the acceptance letter in hand to start the course-work from Spring 2013.

The plan going forward:
-----------------------
1. She plans to pursue the MS part time, continuing the Math courses (e.g. the calculus series and some discrete math stuff after that) at the undergraduate level so that she has a more solid math footing for her CS Graduate course-work.
2. After 1 year of doing MS coursework at this school, she may try to transfer some other school with a higher academic ranking. Given her unconventional background for a CS/Math student, she cant realistically get into any top tier school right away. However, another year of CS coursework will hopefully help her get into the door. There is no harm in at least trying.
3. She is not decided if she wants to do teaching/research or work in the industry. Ideally she'd like to do something that is not too intense, leaving her some time to take care of the kids. Any suggestions on how to improve her chances of transferring into some top tier college (the GATech's and UT-A's of the world) a year down the line? I guess it is too early right now, but any suggestions on how to improve her chances of finding good employment (if she decided to join the industry and not go the academic rout) will be apreciated.
Buds Gun Shop Savage Season 10/15 - 10/21 Every 25th is Free
Added on : Saturday October 13th 2012 11:00:05 PM
I am looking for a new rifle for deer season this year and saw that Buds is going to have a sale. I did not see sale prices listed, but I figure it is worth looking Monday and hoping to be number 25.Starting Monday, October 15th, until Sunday, October 21st, it's Savage Season at BudsGunShop.com. We'll be marking prices down on lots of Savage rifles. Also, the first 100 Savages purchased after Monday, October 15th, will receive FREE schwag from Savage. But best of all, every 25th Savage purchased will be FREE! Just buy your Savage, and if you win, we'll reimburse your payment in full and call you to let you know. Multiple Savage purchases count, too, so if you buy more than one, your chances of getting a free Savage are that much greater. And we won't even limit it to the cheapest one you buy. If it's number 25, it's FREE! Savage Season is for a limited time only and ends at midnight on Sunday, October 21st, or until we run out of Savages! Layaway orders not eligible for 1 in 25 giveaway, but are eligible for reduced pricinghttp://www.budsgunshop.com/catalog/index.php/cPath/36_62/Savage/
Fallout New Vegas Ultimate Collection Xbox 360 $19.99 +FS @ newegg
Added on : Tuesday October 09th 2012 10:00:07 AM
Fallout New Vegas Ultimate Collection Xbox 360 @ newegg Ultimate Edition includes all original Fallout: New Vegas content and the full suite of add-on content, including Dead Money, Honest Hearts, Old World Blues and Lonesome RoadAlso includes the latest arsenal of weapons, ammo and recipes with the Courier's Stash and Gun Runners Arsenal add-on packsExplore new areas, each with thrilling quests, unique personalities and more chances to the play the savior or the pariah to the natives of New Vegas  @Amazon for 33.90, current trade in value @Amazon $20.25
Newegg Coupons
Groupon "refund" experience
Added on : Saturday October 06th 2012 10:00:53 PM
if something sounds too good to be true...I just want to share my Groupon refund experience, so you don't get fooled with the "we'll make it right" promise they have.I purchased a Groupon for "services" in July. Trying to contact the merchant was a nightmare.
After 2 months of leaving voice mails, and sending emails, I was finally able to schedule a date for the service.
2 days before the scheduled date, I received an email that it was canceled due to "rain" forecast (60% chances of rain, and obviously it didn't rain).
I tried to re-schedule for the past 2 weeks, but I finally gave up.I decided to request a refund to Groupon, and I was immediately issued a refund the Groupon way.
They are not refunding the money into my credit card, but giving me "Groupon credit" in my account.I will file a BBB complain and try a credit card dispute, but I don't think I'll get my money back anyways.-John.
Red Star Yeast PLATINUM Superior Baking Yeast is giving away samples, they already did one giveaway Tuesday, but will be doing more. Fulfillment is through Alice.com. If you don't have an account already, register at Alice prior to the next giveaway. It will save you time, as you won't need to provide your NAZ then. Red Star Yeast said: Dont worry if you didnt get one, well be doing more giveaways very soon. To increase your chances of getting one next time go to the Free Samples tab and preregister so we dont have to get your shipping info when the next giveaway starts. Be sure to check the box to receive notification when the samples go live and get an exclusive coupon from us! Good luck and watch for more samples in the coming weeks. Only one sample per household.I will update thread when they announce giveaway times and days, as much as possible. Feel free to post if you see it go live.  It's live again!
Safe Deposit Boxes: Bank or Credit Union?
Added on : Friday September 28th 2012 08:00:51 AM
Safe Deposit Boxes seem pretty rare now-a-days. The FWF crowd tends to bank with credit unions rather than commercial banks for the better rates and service. The problem is Alliant Credit Union (for example) doesn't offer safe deposit boxes and even if they did, they probably wouldn't be local to you.I looked into opening a safe deposit box at Chase because I have several credit cards with them so I figured I wouldn't have to extend myself to a new institution (Chex hit, credit bureau hit, another website to log in to to track, etc). However Chase wanted me to have a savings or checking account in order to open a safe deposit box. Last time I looked that required me to keep $1500 sitting at 0% in perpetuity.To make matters worse, I really don't know what Chase requires anymore because every 6 months I go to their website, lured in by the free $100/$150/$200 promos, and every 6 months they increase the requirements for "free" accounts. Soon it will be 15 debit transactions, $5k daily balance and 2 pints of blood per month. Not that I mind jumping through hoops but if it's just for a safe deposit box I don't want to deal with studying the Torah that is their account requirements.The upside to using Chase would be that they are national so wherever I move (which is about every 1.5 to 2 years for work as I fulfill contracts), I can just get a new local safe deposit box anywhere in the country. Right now I'm still using a credit union safe deposit box back where I grew up, to keep things that I know I won't need on short notice. I fly back to visit my family every year so I check up on it, but it's a hassle.The upside to the credit union safe deposit box is that I only use that credit union for a savings account (with enough to pay the annual box fee) and the box. They probably pulled Chex on me when I opened the account 10 years ago but that's long been wiped off my Chex report. The chances that someone looking through my financial records for a court case will find the box are reduced. Thus, it's a good spot to keep some emergency cash. I don't worry too much about civil lawsuits, but they are always on the back of my mind like an Earthquake or Hurricane so I like to make reasonable preparations. I'd hate to get sued, have all of my assets frozen, and be unable to pay an attorney to represent me or unable to pay my rent and get evicted. Having the safe deposit box off the grid with 3 months living expenses in cash gives me piece of mind and isn't too much of a cost in inflation. Downside will be me having to travel there to get it.Maybe a good compromise is a mix - get the Chase box, fly through whatever silly hoops they demand to get a free savings account, open a new one up locally everytime I move to keep my social security card, birth certificate and a little cash in. But also keep the "semi-hidden" credit union one that the lawyer of someone I get into a car accident with won't think to look for.
Red Star Yeast PLATINUM Superior Baking Yeast 1 ct - Facebook
Added on : Friday September 28th 2012 02:00:32 AM
Red Star Yeast PLATINUM Superior Baking Yeast is giving away samples, they already did one giveaway Tuesday, but will be doing more. Fulfillment is through Alice.com. If you don't have an account already, register at Alice prior to the next giveaway. It will save you time, as you won't need to provide your NAZ then. Red Star Yeast said: Dont worry if you didnt get one, well be doing more giveaways very soon. To increase your chances of getting one next time go to the Free Samples tab and preregister so we dont have to get your shipping info when the next giveaway starts. Be sure to check the box to receive notification when the samples go live and get an exclusive coupon from us! Good luck and watch for more samples in the coming weeks. Only one sample per household.I will update thread when they announce giveaway times and days, as much as possible. Feel free to post if you see it go live.
Capital one -- does closing one account incrase chances for CLI on another?
Added on : Tuesday September 25th 2012 01:00:55 PM
Hello
I have 3 Capital One accounts: one with 5k limit, one with 15k limit and one with $750 limit. I really want them to increase the limit for the $750 one (i get 5X points on a certain business expense that i spend 20k/month on). As of now I put as much per day on there as I can and pay it off but I'm missing out on a ton of rewards. Anyways, to the point, if i closed my account with the 15k limit would there be a better chance of them increase my CL on my $750 limit card, or does it not matter? I've been asking for a CL increase a few times a year for the last 2 years and they always reject me. My credit score is great. I think one of the problems might be that the $750 card is a student card...
Anyways, anyone shed any light? I asked cap one but they don't seem to know.
McDonald's Monopoly Sweepstakes is here again! Enter the 2012 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a Prizes include ten 2013 FIAT 500 Sport Hatchback Vehicles, Beaches Resort trips, $100,000 in cash, gift cards, and lots more.
I will be donating any and all unused Monopoly codes here on this page. And as weve seen in the past, quite a few other folks usually join in the fun and donate their unused codes along with me, Besure to thank them.
Please don't list your Free McDonalds Codes that are already listed in the rules & posted here, Everyone gets those, thanks. So check this page a few times a day to see if you can score some points, or feel free to add to the discussion of the McDonalds Monopoly game and prizes. 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 meAnd finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Play McDonalds Monopoly online - Click here to enter codesMcDonalds Monopoly Official Rules - Click Here
STARTING DATES
==============
In-store game begins.........September 25, 2012
In-store game Ends...........October 22, 2012 at 11:59 PMOnline Game begins...........September 25, 2012
Online Game Ends.............November 3, 2012 at 11:59 PM RARE WINNING GAME PIECES & PRIZE
================================
Mediterranean Avenue #925............$50.00
Vermont Avenue #928..................$5,000
Virginia Avenue #932.................Beaches Resorts Vacation
Tennessee Avenue #934................$10,000
Kentucky Avenue #936.................Any Delta Airlines Destination
Ventnor Avenue #940..................$20,000
Pennsylvania Avenue #944.............2013 Fiat 500 Sport Hatchback
Boardwalk #946.......................$1,000,000 (annuity)
Shortline #950.......................EA SPORTS Fan Trip Championship Get-A-Way FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
=================================================
GOPLAYATMCD
CODEFORMORE SPECIAL MCDONALDS RULES ABOUT THE GAME:
=======================================
* Entry Limit: ten online game plays per person per day, not including the FREE Codes.
* 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.
* The codes will be on food items until supplies last, but you have until 11/5 to enter the codes online.
* 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:
======================
4 GAME PIECES
* 20-piece Chicken McNuggets
* Large Fries
2 GAME PIECES
* Medium Fountain Drinks
* Medium McCaf Iced and blended beverages
* Large McCaf Iced and blended beverages
* X-Large McCaf Iced and blended beverages
* Iced Coffee served in a clear cup
* Medium orange juice
* Hash Browns
* Big Mac Sandwich
* 10-piece Chicken McNuggets
* Egg McMuffin
* Sausage McMuffin with Egg sandwiches (excludes Sausage McMuffin sandwich);
* Oatmeal
* Filet-O-Fish sandwich.  MCDONALDS MONOPOLY IN-STORE INSTANT WIN PRIZES
==============================================
* Winners...Description of Prize
(4,500,000)........Redbox 1 Night DVD Rental (redeemable at kiosk only)
(4,000,000)........My Coke Rewards ("MCR") 40-Points Bundles
(3,800,000)........Snapfish Two 5"x7" Digital Photo Prints
(6,000)............$10.00 McDonalds Arch Gift Card
(10,000)...........SpaWish $20.00 Gift Certificate
(3,000)............$25.00 McDonalds Arch Gift Card
(9,000)............Hasbro MONOPOLY Millionaire Board Game
(5,000)............$50.00 in Cash
(15,169)...........$60.00 EA SPORTS Video Game
(700)..............$500.00 Paid by check
(1)................NHL All-Star Weekend Trip
(10)...............EA SPORTS Ultimate Game Room
(25)...............$5,000 Paid by check
(20)...............$10,000 Paid by check
(1)................Ultimate U.S. Soccer Family Trip
(20)...............$20,000 Paid by check
(4)................EA SPORTS Lifetime of Games
(4)................$100,000 Paid by check
Plus other prizes listed in official rules. MCDONALDS MONOPOLY ONLINE PRIZES
================================
* Winners...Description of Prize
(500,000)...Redbox One Night Standard Definition DVD Rental. ARV: $1.20
(900,000)...My Coke Rewards 40-Points Bundle. ARV: $1.79
(100,000)...EA SPORTS Ten Dollar ($10) Origin.com Promotion Code
(500).......Fathead $14.99 Promotion Code
(175).......$25.00 Shop.NHL.com Twenty Five Dollar Gift Card
(100).......NHL Officially Licensed Hat. ARV: $30
(42)........My Coke Rewards 1,000-Points Bundle. ARV: $40.00 - YAY =)
(100).......NHL Officially Licensed T-Shirt. ARV: $35
(600).......Fifty Dollars ($50)
(500).......$100.00 SpaWish Gift Certificate
(10)........NHL Authentic Jersey. ARV: $300
(20)........Five Hundred Dollars ($500)
(4).........U.S. Soccer Family Trip. ARV: $5,000
(30)........Beaches Resorts The Luxury Included Family Vacation. ARV: $7,500
(10)........2013 FIAT 500 Sport Hatchback Vehicle. MSRP: $18,500

MCDONALDS MONOPOLY ONLINE SWEEPSTAKES PRIZES
============================================
(1) Ten Thousand Dollars ($10,000)
(1) Beaches Resorts The Luxury Included Family Vacation plus $2,500 spending money. ARV: $10,000
(1) U.S. Soccer Family Trip plus $5,000 spending money. ARV: $10,000
(1) 2013 FIAT 500 Sport Hatchback Vehicle. MSRP: $18,500
(1) $20,000 Pre-Promotion Sweepstakes (random drawing appx October 1, 2012)
FREE GAME PIECES BY SNAIL MAIL
==============================
Play Without Purchase: request a Game Piece by mailing a legibly handwritten, self-addressed, stamped envelope with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP or postal code to:2012 MONOPOLY Game at McDonalds Game Piece Request
P.O. Box 49121
Strongsville, OH 44149-0121Two (2) Game Pieces (a total of four Game Stamps) will be mailed in response to each mail-in request. 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 sooner than September 18, 2012, and must be postmarked no later than October 22, 2012, and received by Sponsor no later than October 26, 2012. Requests from Vermont residents that are postmarked in VT may omit return postage.
DISCLAIMER NOTICE:
==================
I AM NOT AFFILATED IN ANY WAY WITH MC DONALDS/MICKEY D'S NOR DO I WORK FOR ANY ORGANIZATION. MC DONALDS trademark and logo are registered trademarks of MC DONALDS, Inc. All Rights Reserved. All other trademarks are the property of their respective owners.
Tuition Refund
Added on : Friday September 21st 2012 10:00:50 PM
I have a 6-yr old and a 4-yr old. The 6-yr old missed the 1st grade cutoff by a few hours (!!), and our school district absolutely refused admission. Their preschool only went up to kindergarten, so, after a losing battle with the public school district, I found a new preschool for them that went up to first grade (about 50 kids total in the school which has been around for decades). Two days before labor day weekend, I approached the new preschool and made 2 of 10 payments of the annual fee (per kid). Seven days later, school opens - and on Day 1 I was surprised to note that my 4-year old son will be in a pre-K class with eight girls and one boy (i.e. just him). I found this environment for a full school year inappropriate for his social development - I mentioned this to the teachers on Day 1. By Day 2 I had informed the school that I was withdrawing him from school and returning him to his old preschool where his class had a mix of boys and girls. My 6-year old continues in the new school.Now the money part. In my letter on Day 2, I informed the school I'm withdrawing my application submitted 8 days earlier - an application which was still not complete since the health forms etc. had not been provided. ("child cannot be assigned or admitted to class without receipt of tuition and health and emergency info"). I also mentioned I hoped/expected that the 2 payments made for my 4-year old (about $2000 dollars) will be returned to me, or at least credited towards my older kid's tuition.I already see some dilly-dallying from the school and expect a formal response soon. Would like to know from you folks as to what my chances are for getting most of my money back or used towards the other kid's tuition.The 1-page application form I signed does state that a 30 day written notice is required for withdrawals. It also states the deposit (1st payment) is non-refundable. My position is that the school did not provide an appropriate learning environment for my son by putting him in an all-girls classroom. It certainly wasn't mentioned to me when I was given the application, and I took him out as soon as I knew about it. (I had nothing against the school otherwise - just the thought of years of therapy fees after being surrounded by Tinkerbell, Dora, etc. for one formative year). Please help with any relevant laws (NJ) and potential course of action. How solid is a 1 page application form as a legal contract? Obviously one day of preschool for $1000-$2000 is difficult to digest. And if they stick it to me, I might have to take my 6-yr old out of this school as well (which I don't want to do).
goodreads.com book giveaways
Added on : Wednesday September 05th 2012 02:00:29 AM
www.goodreads.com is a book site and members can sign up
to win free books (membership is free).
Giveaway book listFirst Reads
Be the first to read new books! Prerelease books are listed for giveaway by publishers and authors, and members can enter to win. Winners are picked randomly at the end of the giveaway.There are a lot of books, and chances of winning depend on how many people sign up. For example, if they give away 20 copies and 100 people sign up, it's 1 in 5. Here are a few giveaways expiring soon that are not novels - too many to list (feel free to browse and sign up). Title, last day to sign up for the giveaway, copies available.Jeanie Out of the Bottle (memoir signed by Barbara Eden, the TV show actress) - 9/6 (15 copies)Spaghetti on the Wall - Branding and Networking Methods that Stick - 9/7 (2 copies)Superfood Kitchen: Cooking with Nature's Most Amazing Foods - 9/7 (20 copies)The Joy of x: A Guided Tour of Math, from One to Infinity - 9/9 (20 copies)We Shall Not Be Moved: Rebuilding Home in the Wake of Katrina - 9/10 (15 copies)The Victory Lab: The Secret Science of Winning Campaigns - 9/11 (10 copies)Aquaman, Vol. 1: The Trench (Aquaman Vol. VII, #1) - 9/11 (10 copies)Speaking Computer : Learning the Foreign Language of Technology - 9/12 (5 copies)And the list goes on ... if you find something interesting, post to the thread.
4Videosoft MP4 Converter for Mac and PC free only 9/3
Added on : Monday September 03rd 2012 08:00:03 AM
http://www.bitsdujour.com/software/4videosoft-mp4-converter/src=...If you have an iPhone, iPod, PSP, Xbox, PS3, or any number of other popular media devices, chances are you're using the MP4 format for your videos. But here's the problem - your mishmash collection of videos spans all different format types, depending on where you got them, so you've got a rainbow coalition of AVI, FLV, WMV, H.264, MOV and who knows what. Today's discount software promotion, 4Videosoft MP4 Converter, unifies your entire video collection into a single format.4Videosoft MP4 Converter lets you convert video from a variety of formats into MP4, AVI, MOV, and MP3 files, for playback on iPhones, game consoles, and other popular media platforms. With 4Videosoft MP4 Converter, you can trim clips from video sources, crop output areas, merge individual clips together, and add watermarks. To save space, you can select specific audio tracks and subtitles. Beyond just video conversion, 4Videosoft MP4 Converter is also able to convert audio viles to AAC, AC3, AIFF, AMR, AU, FLAC, MP3, and more.With the latest advances in technology, 4Videosoft MP4 Converter can convert your files up to 600% faster than before. And if you think that a certain source video could be improved with better lighting or color balancing, just use 4Videosoft MP4 Converter to tweak those settings prior to conversion. Ever have a video that just seems to play too loudly or softly in comparison to others? You can fix that, too! Just think of how many of your videos can be improved to match your exacting specifications, all with just one program!
Applying for multiple Chase cards.
Added on : Wednesday August 29th 2012 07:00:45 PM
If I were to apply for the Chase Slate to take advantage of the BT offer and the Freedom to take advantage of the $100 Cash Back bonus, what are my chances of actually getting the bonus? I ask because the terms of the Cash Back state that it is for first time card holders/new customers. Also, I had a Chase card way back in the day but closed it years ago, will this affect my chances?
Allure Month of Freebies in August - Final Week!
Added on : Sunday August 26th 2012 08:00:47 PM
Win Free Stuff All Month LongAllure Magazine said: Every weekday in August, we're giving away 32,350 handbags, fragrances, eye creams, mascaras, flatirons, jewelry, shoes, and moreall from Allure's August issue. There are two ways to enter for your chances to win: By submitting the form below, or by using your smartphone to scan the master entry tag. Check the Free Stuff Calendar for giveaway start times. Free Stuff Calendar
Every weekday in August, enter for a chance to win all sorts of amazing beauty and fashion loota whopping 32,350 items to be exact. There are two easy ways to winby scantag and at allure.com/free-samples (Click the "Enter here" link in the August Free Stuff Blowout box). Check out all the giveaways now!Important! If you are not already registered at Allure, you must register first (https://secure.allure.com/user/registration) , as you will need your password to enter. Hint: Using Google Chrome will save time due to auto-fill.
Every day, several times a day, Allure will be doing a) giveaways for free stuff to the first 500 (unless otherwise stated) who successfully complete and submit the form. b) giveaways for in which you will have a chance to win an item. You need to scroll through the calendar to see what is being given away when, and whether the item is free to the 1st 500, or a drawing for winners. Way to many freebies to list all here, just check the online calendar. Post/share if you win one of the 500 only items.I will list each weeks freebies and the time they will be given away. The freebie is limited to the 1st 500 who successfully submit online or scantag, unless listed otherwise. Check the calendar if you want any items they are drawing winners for. Times listed are EST.WEEK 5MONDAY, AUGUST 27
1 P.M.Maybelline New York Expert Wear eye shadow in Turquoise Glass
(retail value: $3.75)-first 500
2 P.M. Alexander Wang for Sally Hansen Complete Salon Manicure in Pumice
(retail value: $7.99)-first 100
4 P.M.BeautyRx Skincare by Dr. Schultz Exfoliating Green Tea Complex SPF 20(retail value: $90)-first 100
5 P.M.Obagi ElastiLash Eyelash Solution(retail value: $59.59)-first 300TUESDAY, AUGUST 28
1 P.M. Essie nail polish in Main Squeeze(retail value: $8)-first 500
2 P.M. CoverGirl Eye Enhancers eye shadow in Platina and Ice Princess (retail value: $3.47 each) -first 500
4 P.M. Olay Regenerist Advanced Anti-Aging Intensive Repair Treatment (retail value: $24.99)-first 500
5 P.M. Goody Simple Styles Spin Pin Mini (retail value: $7.29)-first 500WEDNESDAY, AUGUST 29
1 P.M. Wet n Wild Mega Liner Liquid Eyeliner in 863(retail value: $2.99)-first 500
2 P.M.Spornette Mixed Bristle Porcupine Rounder G-36XL(retail value: $15)-first 200
4 P.M. Beauty Is Life Two in One Eyeshadow in 20wc Brown (retail value: $25)-first 100
5 P.M. China Glaze Nail Lacquer in Pink Voltage (retail value: $7)-first 200THURSDAY, AUGUST 30
1 P.M. Redken Powder Refresh 01 Aerosol Hair Powder/Dry Shampoo (retail value: $18)-first 500
2 P.M.Sephora Long-Lasting Eyeliner in Fancy Blue (retail value: $11)-first 20
4 P.M.Egyptian Magic All Purpose Skin Cream (retail value: $37)-first 250
5 P.M.Ardell Self Adhesive Lashes in 110 (retail value: $5.99) -first 200FRIDAY, AUGUST 31
1 P.M.Clarisonic Opal Sonic Infusion System(retail value: $185)-first 20
2 P.M. Duri nail polish in Mud Slide (retail value: $5)-first 500
4 P.M.Davines Love Lovely Smoothing Shampoo (retail value: $23)
-first 100
5 P.M. Tarte LipSurgence Natural Lip Luster in Glisten (retail value: $24)
-first 250
I tried for the Pond's Luminous Clean Wet Cleansing Towelettes, didn't get any confirmation, so I guess I missed out. All it said was. "Thank you for signing up for Allure's Free Stuff. Keep coming back all month long to enter to win more beauty and fashion prizes!"ETA: I found out that you won't receive any confirmation by phone (if using the scantag), or online (if using the submission form). The only way to find out if you won is to wait and see if you get the freebie in the mail. Sooooo.... I guess we will have to wait and be surprised. Good luck to all, hope many Fatwalleters get some free goodies! Also, added a link to registration page, though the link is available on Allure website in upper left corner of page. If anybody wins this, post a pic to this thread.
FRIDAY, AUGUST 24
6 P.M.
Adrienne Landau fox-fur scarf
(retail value: $295)
Google Nexus 7 leather folio case $1 FS @ amazon.com
Added on : Saturday August 25th 2012 09:00:07 PM
3rd party seller. Highly rated case. Custom fit for the Nexus 7 tablet.
Probably a price mistake. Place your order and take your chances.http://www.amazon.com/dp/B008SGNJY2
Seattle's Best Coffee said: We've got BIG news to share, but the question is... will you? Or will you keep all 10,000 chances for FREE COFFEE to yourself?

1000 samples of coffee will be given away every hour, from 10:00 AM EST to 8:00 PM EST on August 23, 2012 only Visit https://www.facebook.com/SeattlesBestCoffee for more details. I will try to update this once I know more (and am able to).

Update: Use link to app below.

Seattles Best Coffee said: Today may be your lucky day - we're giving away 10,000 FREE COFFEE samples. 1,000 samples every hour from 10 AM to 8 PM ET. First come, first served. Seattles Best Coffee on Facebook.
I think I just found a loophole in Discover card to be used in China
Added on : Thursday August 23rd 2012 12:00:52 PM
OK,here's the case.We know that Discover has cooperated with China Unionpay and JCB. So Discover card can be used wherever China Unionpay cards and JCB cards are accepted, and vice versa. (Plus there's no foreign currency conversion fees and the rate is pretty good)In China, the transaction fees for credit cards are much lower than most developed countries, which usually ranks from 0.15% to 1% of the total amount depending on different categories they fall in. So the credit card never offers CashBack bonus or similar award points more than 0.5%, usually around 0.2-0.3%.However, the Escape by Discover Card gives you unlimited 2% CashBack(in the forms of miles) with an annual fee of $60. And I called Discover, one of the managers in some department(I forgot) confirmed that even if I use it in China, I still get the 2% CashBack, as the Terms&Conditions didn't limit the countries where the card is used in order to qualify a Cash Back. It only excludes certain situations like cash advance and other similar behavior like writing a check. So what we got here is that Discover company is obviously using its own money to pay for the Cash Back. And people who decide to make use of this loophole can legally profit from it. The tricky thing is:
1. Chinese dollar is not freely circulated and is restricted by Chinese central banks. So the maximum foreign currency for one Chinese citizen can buy is $50K or the equivalences. (not sure the limit about foreigners, but definitely still not much). For a bigger amount, people have to use "unofficial" ways like buying U.S. dollars from export-oriented factories or private dealers, which is technically illegal but nobody really care unless you are dealing with tens of millions of dollars.
And by the way it is not plausible to exchange them in U.S. because the rate is very bad and people lose far more than 2%.2. There's a currency conversion loss when you buy things in Chinese dollar and exchange them to U.S. dollars to pay the credit card bills. The rate in Chinese banks is about 6.340 V.S. 6.366, so there's roughly a 0.4% loss that will partly offset the 2% Cash Back unless you figure out some other ways. 3. It also cost about 0.1% for the wire transfer initiated in China out to banks in America and there's a cost in receiving the funds in America. You can also figure out some other ways, e.g. bring Cash Back to U.S. if you travel a lot. In a nutshell, for some people, it is possible to profit from it, and I think it really depends on if you want to adventure it and if you are smart enough. This is my first post here and I hope it helps.update:
I didn't mean that people should open a merchant account to make fraudulent transactions. In fact, this is illegal in China and financial authorities nowadays are heavily cracking down on these behaviors. So it is unlikely that people who do that can move a long way before being caught. However, if you get the right network of people and some special channel, there's still chances to legally profit. Let's say you happen to know someone who owns a company in China and who needs some Chinese dollar, you change with them. so the conversion loss can be cut to 0.1%. How you increase the transactions amount legally? My answer is swiping the card for others and give them 0.4% Cash Back. As I said, the Cash Back of credit cards in China is usually around 0.2%. So it would be alluring for others to do that as long as you can persuade them that your card is legal. Again, knowing the right people is important. If you know someone whose job is to buy office supplies for his or her company, well, I know it's difficult, but it is still possible. Further more, as long as you are creative enough, you can explore a lot other uses, e.g., buying gold in Hong Kong(thus no sales tax) with this card and resell them immediately, not sure about the profitability. As for the financial regulations in China, being Chinese and working in some Chinese banks for several years myself, I am pretty sure that there's nothing illegal if you use this loophole while staying away from the fraudulent transactions. And Anyway, it's the American company Discover that's underwriting the losses, so the financial agency in China do not really care. Indeed, it is difficult, if not impossible, for someone to make a mint from it. Maybe the people to whom these loopholes are most useful are those Americans who's living in China, planning to use the card for personal consumption.
Seattle's Best Coffee - Facebook Sample Showdown 8/23 10 AM to 8 PM EST
Added on : Thursday August 23rd 2012 02:00:33 AM
Seattle's Best Coffee said: We've got BIG news to share, but the question is... will you? Or will you keep all 10,000 chances for FREE COFFEE to yourself?1000 samples of coffee will be given away every hour, from 10:00 AM EST to 8:00 PM EST on August 23, 2012 only Visit https://www.facebook.com/SeattlesBestCoffee for more details. I will try to update this once I know more (and am able to).
How to Successfully Cut a Deal with a D.A. Prior to Trial
Added on : Thursday August 16th 2012 12:00:47 PM
My question involves traffic court in the State of: California (city of Banning Riverside )I got a speeding ticket on 3/23/2012 for driving 91 in a 70 freeway. Since my previous ticket was cited on 11/2010 and I attended traffic school for it, I am not eligible for traffic school for this current ticket (one can only attend to traffic school once within 18 months). I then hired an online layer to fight for my ticket because I didnt want my insurance to go up and my driving record is clean so far. Then they filed a trial by written declaration but I was found guilty in the end. They then requested a second trial for me and sent me a helper to prepare myself. But the helper is pretty much useless, since they just sent me exactly what they wrote in the trial by written declaration.I spent a few days googling on what to do in the second traffic trial. It seems like chances to beating a speeding ticket is very low as long as the officer shows up and have all the certificates prepared. Furthermore, my main purpose is to have the opportunity to attend traffic school or get the zero-point violation, but not to lower the fine. It turns out that for a lot of cases that the DA or the prosecutors will fine me and try to cut a deal with me before the going to the judge on that day to save each other's time. In that case, I would be very much willing to just pay the fine and ask them for a zero-point violation or the opportunity for traffic school (hopefully they will agree since they will get the money they wanted and I will get what I wanted as well). But if they don't find me, I would still want to go find them and try to make a deal with them. The question is, how and where should I go find them, who should I talk to, because it has to happen prior the trial. I even heard that I can call the officer and tell him that same thing to see if hes willing to make the deal with me too. But where can I get his number? Also, I heard that for speeding tickets, there might be no DAs at all.Please help me with this and give me advice on how to find the DAs/Prosecutors and cut a deal with them, even though they don't approach me voluntarily, and what should I tell them and how I should talk to them?Also if they don't want to make any deal with me, what should I say in court? I don't really want to waste time with the officer and the judge, because i got nothing to ask the officer and nothing to testify. Can I just be straight to the judge and say "I find myself guilty but would like to request for traffic school"? Because I really dont have much to say or testfy.
Please help me.
Thanks a lot. Any advice would be greatly appreciated.
Advice needed on job offers and cost of living for graduating student
Added on : Monday August 13th 2012 12:00:49 PM
I have been a member of Fatwallet for 6+ years and am about to graduate college with an undergrad degree in MIS. My university's MIS program is top 5 in the nation. I also have a very solid resume with internship, study abroad experience, and a high GPA.I received a job offer from a major retail company's IT department with a salary of ~$50k to do an 18-month IT rotational program. The company is located in Northwest Arkansas where cost of living is low. I also just completed a summer internship with this company.As for the actual offer, the benefits are pretty low; especially vacation time. I'm allowed 2 weeks for the first 7 years, 3 weeks after 7 years, and then 4 weeks after 15 years.I either want to work as a Project Manager or as a Consultant out of college. This job offer would put me on the PM career path. What are my chances of getting a considerably better offer from a different company? I could probably get much better benefits in consulting but it would also be much more competitive. ~I greatly appreciate any insights the FW community can provide~
It's easy enough to pull up a chart of historical performance for MINT, lots of free web sites do that. But, is there anyway to see the historical performance of interest paid on an ING Orange account?It just seems like a year ago I checked it and ING Orange was paying 1.5% and MINT was yielding 0.7%, so I said why bother? But now they're both yielding about 0.9% and you have the fact that MINT's NAV increases.I realize it's not apples and apples, because ING Orange is FDIC insured whereas MINT is not. But my first reaction is, what are the chances? Then of course you never need insurance until you need it.Started looking at this because Capital One bought ING and it would surprise me if Capital One doesn't screw up ING. But, we'll see.The advantage MINT has over an alternative savings account is you don't have to move your money all over the entire internet when whatever bank you're at stops giving such good rates. With MINT, you can just sit the money in a Schwab or Fidelity account and enjoy all the convenience those firms offer.And yeah, there are other short-term bond funds that offer a touch higher volatility than MINT which if you're willing to take the risk would make losing FDIC insurance more worthwhile. But right now, I'm just interested in MINT vs. ING Orange as a base case.
Allure Month of Freebies in August
Added on : Wednesday August 01st 2012 05:00:34 PM
Win Free Stuff All Month LongAllure Magazine said: Every weekday in August, we're giving away 32,350 handbags, fragrances, eye creams, mascaras, flatirons, jewelry, shoes, and moreall from Allure's August issue. There are two ways to enter for your chances to win: By submitting the form below, or by using your smartphone to scan the master entry tag. Check the Free Stuff Calendar for giveaway start times. Free Stuff Calendar
Every weekday in August, enter for a chance to win all sorts of amazing beauty and fashion loota whopping 32,350 items to be exact. There are two easy ways to winby scantag and at allure.com/free-samples (Click the "Enter here" link in the August Free Stuff Blowout box). Check out all the giveaways now!Important! If you are not already registered at Allure, you must register first, as you will need your password to enter.
Every day, several times a day, Allure will be doing a) giveways for free stuff to the first 500 who successfully complete and submit the form. b) giveways for in which you will have a chance to win an item. You need to scroll through the calendar to see what is being given away when, and whether the item is feree to the 1st 500, or a drawing for winners. Way to many freebies to list here, just check the online calendar. Post/share if you win one of the 500 only items.
Free Kindle Book (Print List $19.99) Face to Face Interview
Added on : Monday July 30th 2012 01:00:29 PM
TextA successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position.
If a prospective employer invite you to attend face to face interview today, how would you rate your confidence level for success?Face to face interview is one of the most common forms of interviewing process. Interviews are a very important event that one must properly prepare for if they wish to do their best and of course, get the job. There are many factors that surround an interview and therefore it becomes imperative to know how to go about taking part in one, the right way. One of the best things about face to face interview is the direct interaction with the employers where you get a chance to make your lasting first impression. Basically you will need to explain to the interviewer why you are the best candidate for the job and this book will prepare you to face your job interview confidently.How can you stand out amongst the many other candidates? By knowing what to do during a face to face interview, you will come prepared and handle the interview with confidence. In this book I have discussed topics such as: Different types of face to face interview
Top 10 interview questions
Basic etiquette such as dressing for your interview
Discussing your qualifications and achievements
Body language and buzz words
Make your lasting first impression
Ways to get rid of interview jitters
List of things that you need to carry while attending interview
Answering salary related questions
Post interview follow-upThis book will also show you how you can improve your story telling skill, avoid common job interview mistakes, answer salary related questions and to close the interview properly.
Free Kindle Book (Print List $19.99) Face to Face Interview
Added on : Monday July 30th 2012 10:00:04 AM
TextA successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position.
If a prospective employer invite you to attend face to face interview today, how would you rate your confidence level for success?Face to face interview is one of the most common forms of interviewing process. Interviews are a very important event that one must properly prepare for if they wish to do their best and of course, get the job. There are many factors that surround an interview and therefore it becomes imperative to know how to go about taking part in one, the right way. One of the best things about face to face interview is the direct interaction with the employers where you get a chance to make your lasting first impression. Basically you will need to explain to the interviewer why you are the best candidate for the job and this book will prepare you to face your job interview confidently.How can you stand out amongst the many other candidates? By knowing what to do during a face to face interview, you will come prepared and handle the interview with confidence. In this book I have discussed topics such as: Different types of face to face interview
Top 10 interview questions
Basic etiquette such as dressing for your interview
Discussing your qualifications and achievements
Body language and buzz words
Make your lasting first impression
Ways to get rid of interview jitters
List of things that you need to carry while attending interview
Answering salary related questions
Post interview follow-upThis book will also show you how you can improve your story telling skill, avoid common job interview mistakes, answer salary related questions and to close the interview properly.
Amazon Coupons
Tax Problem
Added on : Friday July 27th 2012 10:00:50 AM
I own a property in Yonkers, NY with a total property tax bill of $12,000 per year. I have owned the property for over 20 years and had never missed a tax payment. I overlooked the tax payment due July 2011 (about $3,000). I have made all subsequent tax payments that were due on October 2011, January 2012 and April 2012. I have another regular tax payment due by next Thursday - July 31, 2012. The city sent me a letter saying that they will conduct a public tax sale in mid August and sell my unpaid taxes, and that the buyer of the unpaid taxes could foreclose on the property. I called the tax office and told them that I can't pay both my current tax bill and the unpaid amount by July 31, 2012. The tax office said I'm better off paying the tax in arrears and be late with my current taxes. I'm thinking that I am better off making the regular tax payment due by July 31, 2012 so that I don't start another arrears situation. I have a few questions. Am I better off paying my current taxes due or clean up the taxes in arrears? How does the public sale work, and what a the chances that the buyer would foreclose? Is the public sale at a discount? If so, can I have a friend buy my unpaid taxes at a discount and clean up my arrears that way?
Hertz Minivan
Added on : Monday July 23rd 2012 11:01:19 PM
I somehow got an amazing deal with Hertz in Phoenix from Aug 27-29th for a minivan at $15 a day. I really do not want a minivan, but at the price, how could I not book it? What are the chances I will actually get a minivan or something else instead?
Remo Drive Defrag 1.0, Free Download Today Onlt @ Giveawayoftheday
Added on : Thursday July 19th 2012 02:00:07 AM
http://www.giveawayoftheday.com/The program is available for $29.95, but it will be free for our visitors as a time-limited offer.Remo Drive Defrag Innovative and Fast Defrag tool for Windows. A hard drive having lot of fragmented data can make even the latest computer with latest hardware to perform below par.

If you defrag your data on regular basis, especially on booting partitions / drives, you can gain an astounding performance boost of up to 100%.

Remo Drive Defrag is a vital tool for Windows that helps to defrag hard drives / partitions or even selected files. Remo Drive Defrag will make your hard drive boot faster and will improve your overall Windows performance.

Features:
Boosts the performance of your drive up to 100%;
Improves the booting speed of your computer;
Programs will open and load faster including web browser, Office application etc.;
Increases the age of your hard drive by reducing the work load for its read / write head;
Increases the chances of recovering any deleted file.
Nomad Predator Electronic Game Call Two Pack from Cass Creek $59.98 Shippedwas $99.99http://www.gearhog.com/Deal Overview
Enhance your chances with moving sound! Nomad Series calls from Cass Creek give you the ability to set up a series of receivers and then operate them remotely to coax wary game when ordinary calls won't work. Includes two receivers and one remote control.video linky
http://www.youtube.com/watch?feature=player_embedded&v=LrQYtaLRe...
Vtech Learning Laptop - Green (KIDS) $17.99 shipped TOYS R US (ebay)
Added on : Thursday June 21st 2012 09:00:03 PM
http://www.ebay.com/itm/Vtech-Learning-Laptop-Green-/18090935825... Vtech Learning Laptop - Green
Your child will love to use the Vtech Learning Laptop - Green, a stylized, interactive computer that looks and feels just like a real laptop! It features a slim design with a computer-like graphic interface, built-in speaker for quality sound, four light-up input keys, and a 4.25" LCD screen. Just like a real computer, it's easily controlled by a full QWERTY keyboard, wired mouse and a 4-directional touch pad. This learning system isn't just for looks and role-play though; it's packed with fun activities that will teach English, spelling, math, geometry and music through age-appropriate games that he'll love to play and master. Built-in Auto-Leveling keeps track of your youngster's performance and automatically adjusts skill levels to help build knowledge and confidence. This progressive learning system also lets him retry questions where wrong answers were given. The system remembers the questions and will ask them again, offering more chances to practice. It can even be programmed for use with one or two players, adding extra fun. Finally, for a parent's peace of mind, there's an auto shut-off option to preserve battery life and a volume-control switch for quieter play. Screen: black-and-white 4.25" LCD display (measured diagonally). Dimensions: 10.4"L x 7.8"W x 1.6"H. Weight: 3 lbs, 1.8 oz.
eBay Coupons
Second Chances Free Kindle Edition!
Added on : Monday June 11th 2012 02:00:28 AM
Second Chances Free Kindle EditionKadi Crowe has spent her entire life believing in her father's innocence, even after he's served his 20 year sentence. But when another young girl is discovered brutally murdered shortly after his release, her father is the prime suspect. She knows he's innocent, but can she prove it?Dain McKnight waited for the day when he could finally wield his own brand of justice on the man who was convicted of murdering his sister, 20 years ealier. It will be the only justice befitting a cold-blooded killer.Then a chance meeting with Kadi slowly begins to sow the seeds of doubt in his mind. But, is Dain's growing feelings for Kadi stronger than his hatred for her father? Or will his disdain deny any of them the hope of second chances?
Amazon Coupons
How much financial sense does it make to buy trip insurance for foreign travel, and how to figure if price is good for the coverage ? Especially with high ticket cost(say $1200/person), high cost to make any changes(say $350/person to change!), and chances of bad weather etc what / which trip insurance products make more sense and how to choose ? Any tipsWe will be travelling to a foreign country in Asia for a few weeks of vacation and out trip itinerary at virtuallythere.com shows a very strategically placed link for "Buy Travel Protection For This Trip" above every leg of the trip. For ~1200 bucks of ticket x 4 persons it says it cost $25/person x 4 = $100 but looking inside I found the benefits pretty slim looking:
- Trip Cancellation and Trip Interruption upto $200
- Travel Delay upto $300
- Baggage and Personal Effects upto $500
- Baggage Delay upto $100
- Medical or Dental Expense upto $10000
- Emergency Assistance upto $25000
- 24-hour Emergency Assistance ServicesSeeing that this is like the price of candy on a shelf next to checkout lane I guess there must be better offers elsewhere. We are mainly looking for trip interruption, trip cancellation, bad weather, losses of delay (travel and baggage), baggage and item losses
Looking around, per a travel insurance review site found http://www.squaremouth.com/quotes/173-275-8/compare_favoritesBut will appreciate knowing what you think is a good price to coverage ratios in above categories, and any rules of thumb etc
Seems like a very wide unregulated field with large range of price for similar looking coverage
From page:CONTEST DRAWING!In an effort to build up our fan base, we are giving our Facebook page fans up to 5 chances to win a FREE Bow Wow Neckwear hand-crafted dog collar of your choice!Here is how it works:
When we reach 100 fans, we will draw a winner from those FANS.We will continue to do that for each 100 additional fans until we reach 500 FANS. You will be eligible for all 5 drawings.Please spread the word! This is a great chance with great odds to win!http://www.facebook.com/BowWowNeckwear
Hello all, I have about 4700 in debt on a crappy CapitalOne card (20% APR) and I just cant pay it down because the interest is so high. Using the sticky I decided to go for the Chase Slate card because there was no balance transfer fee and would save me 150$ on a 3% fee, I also have my mortgage there so I figured it would be no problem. I went into a local branch and after having all their savings and checking crap pushed on me I finally got signed up for the card using my actual yearly income (40K) and the 4700 balance transfer. I called up today (applied a week ago) and they tell me they issued me a card with a 400$ limit and obviously declined the balance transfer. I don't understand why, my CapitalOne card has a limit of 5600, I also have a bestbuy card with a limit of 3600 and is empty. Other than that all I have is my mortgage and a credit score of 750 (ran the 40$ report experian, everything looks good). I told the Chase rep that $400 is completely useless so he said they will close out the card.Ironically, when I got home I have an offer in the mail from Citi for the Diamond Preferred Card, 0% for 18 months on balance transfers but there is the 3% fee. Can I just try signing up with this one and maybe add an extra 10K onto my yearly income or should I wait like a month or something since Chase just did an inquiry and then opened and closed their credit card? I don't want to hurt my credit score or hurt my chances of actually getting a card with a high enough limit to move my CapitalOne balance over, the interest is just killing me.Thanks in advance
Xbox Live 12 Month $39.99 (YMMV)(XBL Dashboard)
Added on : Thursday May 31st 2012 06:00:05 PM
Logged on to my xbox live account, less than a month before expiration of my gold.. Got a offer for 12 months $39.99 .. So your chances are 50/50, says auto renew but just cancel the auto renew.I see that everywhere else has gone back up in price... so this is a good deal for now..
I opened up a chase sapphire preferred card and a citi thank you premier card with the $400 and $500 bonuses respectively. Both of these cards give you a bonus when spending on flights. I'm planning a trip for 2 in about a year which looks to cost about $900 a ticket. If I book one ticket on each website for the same flights, what are the chances that I can get 2 seats next to each other?Was wondering if anyone had ever done this before.
Wine Snobs Get Taken for a Lot of Money
Added on : Wednesday May 16th 2012 12:09:59 AM
http://nymag.com/news/features/rudy-kurniawan-wine-fraud-2012-5/Like most luxury/Veblen goods, the wine world is plagued by thick, opaque layers of spin and marketing.Is your wallet being slimmed down by expensive wine?If you're judging a bottle by its price tag, or letting a so-called "expert" (more of a salesman) do your thinking for you, then money is slipping between your fingers.What does this have to do with a gigantic wine fraud? If experts can't tell the difference between the real, expensive stuff and a "close enough" fake, then chances are that you can't either.
This is a nice durable, ultra premium, lightweight ultrabook if you're in the market for one. LinkGenuine 64-bit Windows 7 Home Premium installed
128GB Solid State Drive, boots 60% faster than standard hard drive
Lack of moving parts in the SSD hard drive leads to decreased chances of lost data
Lower power consumption and improved performance with less noise and heat output
Duralumin construction, ultra-light & strong design perfect for the road warrior
Generation 2 - Intel Core i5 1.6GHz Dual Core Processor with Turbo Boost Technology
Power back up in as little as 3 seconds with Fast Start technology
400-nit 13.3 LED HD Display with SuperBright Plus Technology
Anti-reflective display provides better readability, even in sunlight, resulting in less eye strain
Up to 50% brighter than typical LCD displays
Up to 16 million colors displayed
Intelligent multi-touch gesture pad features 21 gestures including pinch, swipe, and rotate
Touch pad has advanced 3D image sensing for intuitive navigation
Enjoy your favorite games or movies, with smoothness and realism without compromising battery life
Advanced Li-Poly battery will operate for up to 7 hours with moderate usage
WiMAX technology (subscription required), for internet access on the go
Battery life has up to 1,500 charges, a 150% improvement over Li-Ion batteries
View your photos, videos and more on big screens equipped with WiDi adapters
Bluetooth V3.0 High Speed enabled
Trusted Platform Module security chip generates an encrypted key to prevent hacking
BIOS & HDD Password protection
13.3″ HD SuperBright Plus widescreen LED display (1366x768)
2nd Gen Intel Core i5-2537M 1.6GHz, Dual-Core, Processor with 3MB Cache (2.3 GHz Turbo Boost)
4GB DDR3 RAM (upgradeable to 8GB max)
128GB Solid State (SSD) hard drive, 5400 RPM,
WiFi 802.11 b/g/n, Gigabit LAN
Bluetooth V3.0
Genuine Windows 7 Home Premium 64-bit OS
MicroSD memory card reader
Intel HD Graphics 3000
2x 1.5w (3w total) built-in stereo speakers
1.3MP HD Webcam and microphone built-in
2x USB ports (2x 2.0, 1x 3.0)
Headphone and Mic combo mini-jack
HDMI port, VGA port, RJ-45 network interface, Gigabit Ethernet
Full 81-key backlit QWERTY keyboard
Touchpad interface
6-Cell Lithium-Polymer battery (6300 mAh)
Energy Star & TCO certified, EPEAT: Gold Standard
Color: Black
Dimensions (Width x Height x Depth): 12.9 x 0.6 x 8.9"
Weight: 2.9 lbs
Kindle book free - Face to Face Interview
Added on : Friday May 11th 2012 12:06:33 AM
A successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position.If a prospective employer invite you to attend face to face interview today, how would you rate your confidence level for success?http://www.amazon.com/dp/B0081R40M8*updated as it's free for all
Apartment Security Deposit
Added on : Friday May 11th 2012 12:03:41 AM
1 year lease - 1000$ Sec deposit in 650$ Rent ApartmentLeft the apartment on 01/31/2012Waited 45 days to get the deposit back. When I called him for 2 weeks continuously, finally he called today. They have 2 offices, and other office got my notice on 22nd January faxed by that guy on 22nd January. Where I told him verbally on the day I came out of vacation to USA (12/30/2011) that I will not renew the lease. (Means I'm going to move out) and I gave him the lease back. Then I talked to him verbally again that I'm going to leave. And I finally gave him on 7-8th January 2012 that I'll move out from the apartment. Now he's saying that the other office(Main guys) are not going to return my deposit as I noticed them on 22nd January. The guy from my apartment is Apartment Manager, but he's good guy, I thought that way. But he told me that I gave him notice on 22nd Januray. I trusted him, and talked to him verbally, gave the lease back without signing and gave him written on 7-8th. What else do I need to do. I don't have his confirmation about giving the notice on 7-8th January, and I gave the lease back to him without signing but I don't have anything else on it as well. I just returned it. how can I keep the lease unsigned and do with it?Its 1K, not too much but enough for my current apartment's month rent.What are chances of getting the deposit back?
Kindle book free for Prime - Face to Face Interview
Added on : Thursday May 10th 2012 03:07:33 AM
A successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position.
If a prospective employer invite you to attend face to face interview today, how would you rate your confidence level for success?http://www.amazon.com/dp/B0081R40M8
I am in a bit of a dilemma with Bank of America. This post is rather long as I did not refrain from adding excessive detail. I hadn't used my BoA. Checking account for several months. I ended up making two cash deposits into my forced closed account (didn't know at the time) recently due to being misled by BoA's crappy CS rep. BoA won't give me all my money back sooner than 10 business days or straight up admit that this is their fault and expedite their services. I will be traveling to another country for two months and NEED the money back for expenses. Otherwise I wouldn't mind waiting for it so much. Of course, BoA doesn't seem to care. This is what has happened so far: On April 10, 2012 I called BoA's customer service number and spoke to a rep to ask about my account balance and also to reset my online passcode. The rep assured me that my account balance was $0.00 and still active. She then assisted me in resetting my passcode. From this conversation, I rightfully assumed that my account was in good standing and ready to use. On May 2, 2012 I made a cash deposit of $860 at a BoA ATM on the way back home from school. The ATM accepted my debit card, accurately counted all of the bills and issued a receipt for the deposit. The next day, I made another cash deposit of $800 at the same BoA ATM. Again, the ATM accepted my debit card, accurately counted all of the bills and issued a receipt for the deposit. I noticed that my balance was still $0.00, and even though it was probably too soon to assume it was a bank error, I called customer service anyway to inquire on this. The customer service rep I spoke to stated that my account had been FORCED CLOSED on APRIL 10, 2012 "probably" due to an overdrawn balance. She said that was all she could tell me because information on my account was limited so she transferred me to the "California" office for further assistance. The rep for "California" pretty much told me the same thing and that there was nothing he could do. He advised me to call the Recovery Unit the next day and/or go into the branch I had made the ATM deposits. I was livid- why did the ATM accept deposits for a forced closed account? Why was I given false information? If I had known that my account was negative, I would have immediately replenished the account with funds. Then I wouldn't have been in this situation. SO, the next day I went into the branch and was told by a teller and his rude manager that I would receive a cashier's check in 10 business days for the deposited amount(s). They refused to make any phone calls or thoroughly look into my account. I explained to the manager that I will be traveling overseas in 10 days. The manager was very edgy and yelled "I CAN'T GIVE YOU YOUR MONEY!!!" to me. Immediately after I exited the branch, I phoned the Recovery Unit. The rep I spoke to also refused to look into my account and told me the same 10 business days for a cashier's check crap. I demanded to speak to a higher up. She transferred me to CUSTOMER SERVICE, which has less control on the situation. I had to reiterate the entire situation to the CS rep who then transferred me back to the Recovery Unit but on this occasion the rep I spoke to actually seemed interested in helping me. She took responsibility and waived the overdraft fee to boost my chances of having my account reactivated for the recovered funds. She advised me to file a claim with the Electronic Claims Services department and transferred me to them. After being put on hold for 15 minutes, I was redirected to CUSTOMER SERVICE. I demanded to be transferred to Electronic Claims Services, but the CS rep I was speaking to wanted me to reiterate the entire situation to her so that she could take matters into her own hands. Even though I explained to her that there was absolutely nothing she could do, she insistently pushed for details. After she realized that she was useless, she transferred me to her supervisor who I had to reiterate the situation to again. FINALLY, he transferred me to the Electronic Claims Services department. The rep I spoke to from there assisted me in filing a claim to recover the ATM cash deposits and requested that I fax over the ATM receipts. She suggested that I go into my local branch to speak to the manager and reactivate my checking account so that the recovered funds could be directly credited. After that 2 hour phone conversation, I went into my local branch and the manager was very helpful and reactivated the account. She also had me purchase a cashier's check to cover the negative balance which she said she would mail to the Recovery Unit. I felt better after this, but called the Electronic Claims Services department a couple hours later just to check on the fax retrieval and claim status. The rep I spoke to reprimanded me for reactivating my forced closed account. She said forced closed accounts are never reactivated and recovered funds always need to be deposited into a newly opened account instead. She called the branch manager I had dealt with earlier to verify all this. After that she informed me that they have decided to make an exception and that she has sent out an urgent request to the investigator to credit the funds into the forced closed account. She said it may take two business days for the investigator to get the message and that the investigator has to physically go to the involved ATM to verify the cash surplus. Later that evening, my online checking account information was accessible again and reflected a balance of $800. It has been two business days and there have been no other credits- I am still missing the $860. Has anybody else had any experience with something like this? I'm going to call BoA tomorrow but am curious as to what your opinions on the situation are.What should I do? I am so exhausted from dealing with BoA! It is so simple to just give me all my money back.
Chase Sapphire Prefered
Added on : Friday April 27th 2012 09:03:46 AM
Hi guys,I want to apply to Chase Sapphire Preferred credit card from Chase but am not sure if I will be approved or not. I only have a 6 month old credit history, all bills paid on time. Just have 1 credit card from Citi. My Credit Karma score is around 740-750 (I don't know if that means anything at all...). I don't want any credit inquiry to be placed on my file for nothing. So, what do you guys think of my chances of being approved?Thanks.
Free Celebrity Apprentice Pedometer at Walgreen's
Added on : Tuesday April 24th 2012 06:12:03 PM
My wife's workplace recently started some sort of walk to health program, and I evidently got drafted into it. (emotional support, and all that) Anyway, 1 of the 2 pedometers she got at work died after just a few days. She decided to buy one at a local store, and stopped at Walgreen's (drug store) on the way home from work. They were out of their "el cheapo" $5 ones, and so she was going to buy a fancy one for $20. When she got up to the register, the cashier asked "Hey, would you like one of these free ones sponsored by Celebrity Apprentice?" We ended up with two free ones, instead of paying 20 bucks for 1. You don't have to sign up for anything at all. The pedometer displays steps, miles, km, or calories. It does have "Celebrity Apprentice" and a Walgreens website on it, but it is free, and works well. To save a trip, just call your local Walgreen's store and ask if they still have any of the Celebrity Apprentice Pedometers left. Chances are that they have a bunch.
Request: Macau Deals
Added on : Wednesday April 18th 2012 12:00:10 AM
Wonder if anyone knows of any places that offer packaged deals to Macau. I'm in SE Asia now and would love to take my chances at the casinos there..
Many thanks.-cr3s
Bank of America - BankAmeriDeals
Added on : Friday March 02nd 2012 12:19:13 AM
Bank of America is rolling out a new service where you can load offers directly onto your credit card. I read the store here.I logged into my Bank of America online account today and discovered I have access to BankAmeriDeals. However I don't use my BoA card at all and there are no offers available to me at the moment.Here's some info from the website:How Does It Work?
1. Select an offer to view the details and learn how to earn Cash Back.
2. Shop following the offer instructions and pay with your eligible Bank of America debit or credit card.
3. Earn Cash Back credited to your designated account on a monthly basis. There is no limit to the money you can earn. So, the more ways you use your Bank of America credit or debit card, the more offers you can receive and the more money you can earn.How do you determine which offers I get?
The offers you receive are based on your purchase history. We try to match offers to the places youve shopped or to similar places that you might be interested in.What if I only see a few offers?
BankAmeriDeals offers are based on how you currently shop to ensure the offers you receive are relevant to you. If you seldom use your Bank of America credit or debit card(s), you may not receive any offers until you start to use your card more. The more you use your Bank of America credit or debit card, the more chances you will have to receive relevant offers.
I might be tempted to start using my card for small purchases to see what kind of offers pop up.
Hello, all.
I wanted to thank this forum in general for helping us with this issue (from reading archived threads), so I thought I'd share my learning experience.I'd reserved a hotel room for 5 days for myself and my sister-in-law & her daughter through Priceline's "name your own price" feature in CA (helping her move to new location while brother was out of town working). I chose a hotel room for "2 adults". When they informed me which hotel it was there were several photos of the hotel and information about it. Pictures showed only rooms with 2 double beds, which is what we wanted since I don't normally sleep with my sister-in-law.I should add here that Priceline DID slip in their $25 insurance charge when I initially got the online reservation, so when I saw that I immediately called them and they agreed to refund that charge.However, when we arrived, they informed us we had a reservation for a room with one king bed. They said we could upgrade to 2 double beds for I think about $20 more per night, but even that option wasn't available the first night. They didn't have roll-away beds either. I explained to them that these 2 adults do not sleep together and that their website showed only pictures of 2 beds in the rooms. We wanted to cancel and just go to another hotel so as not to have to sleep on the floor (and besides the price would be about the same as theirs at that point with the $20 upgrade), but new this was nearly impossible with a Priceline bid hotel.I took a few minutes with my smartphone to look for advice and found some threads on this topic at the fatwallet forum...now mostly archived. Some had mentioned disputing the charge on the credit card if Priceline would not work with you (especially folks seemed to recommend AMEX). Fortunately, I'd used an AMEX to make the reservation, although I'm not sure whether that mattered for us. Repeatedly it was recommended NOT to stay in the hotel for even one night if you're going to try to cancel (which makes sense I guess).So we went to another hotel that night.We returned the next day and I asked to speak to the hotel manager (wasn't available). Oddly enough, they could not find my reservation in the hotel computer system (even though it WAS there the night before). I have no idea why this would be, but it seems to have worked to our advantage under the circumstances.So I then called Priceline. I explained my issue but was transferred twice I believe. Finally spoke with someone who sounded like they may have some authority but we didn't get far into the discussion before the call was disconnected. I was on my cell but had 4 bars and plenty of battery, so not sure how I got disconnected. I saw that the call was already more than 30 minutes before the disconnection and I just didn't have the energy to start over at the time -- figured I just try to dispute it later and take my chances. I also called AMEX to see if they recommended I try anything else before resorting to disputing the charge, but the rep said they thought I'd done enough.Well, a few days later I went to start the dispute process and noticed on my credit card that the entire Priceline charge had been credited back already! I imagine this was done by the Priceline rep (I guess he got enough info before we got disconnected?) and/or the hotel manager heard about the problem and advised Priceline to refund. Not sure, but just wanted to let people know that Priceline "name your own price" hotel reservation cancellations/refunds are possible and do exist!Would recommend (as many others have) to just try to make due with the room you get even if it's not perfect because you're taking a risk trying to cancel here, but it can work out.EDIT:
Just got an email about the refund from Priceline:Dear XXX,Thank you for your patience while we researched your issue with the (Hotel X in CA).We contacted the hotel and verified that they were not able to locate your reservation when you tried to check-in for Request Number XXXXXXXXXXX.We have issued a full refund back to your credit card in the amount of $XXX. Your refund will be processed by our system within 1 business day. It may take up to 5 business days for your bank to post the refund to your account. For your reference, your cancellation confirmation number is XXX.Thank you for giving us the opportunity to assist you!Sincerely,
XXXXX
Customer Relations SpecialistI also got this email:Dear XXX,
A refund in the amount of $XXX will be placed on the credit card you provided to us upon submitting your request. If your reservation included travel insurance, then this refund does not include the travel insurance premium. Your refund will be processed by our system within 1 business day. Please note, however, that your bank may withhold the refund from your account for up to 5 to 10 business days. If the refund has not posted to your account within 10 business days, we would suggest contacting your bank for further assistance. We would like to remind you that this cancellation has been granted based on the extenuating circumstances related to your reservation. Under normal circumstances, reservations cannot be changed or cancelled. Thank you, Priceline.com Customer Service
Tenant threatening to sue for injury received on property
Added on : Thursday February 23rd 2012 09:15:11 AM
I started renting my house to a tenant one year ago. They have had financial problems from the beginning and have always been late on rent. The house is out of state, and with my job I just haven't been able to manage the way I would like, so I just let it go. Eventually they would pay the rent, but it would always be late. About one or two months into rent, my best guess is that this occurred in April of 2011, the lady got hurt. She was walking down the front stairs, just 3 concrete stairs and the railing gave away and she fell. She didn't report a lose railing or the fact that she even got hurt until a couple of weeks AFTER the incident, when I was calling about a late rent payment. She made all kinds of claims, sometimes she would claim it was broken, sometimes it wasn't. At one point she claims to have gone out of state to have surgery done at a VA hospital. I honestly don't know what happened, all I have are a bunch of voicemails from her saved up.Fast forward a year. I now have a new job, one that allows me to work remotely and that means I'll be able to manage this property better. Approximately 45 days before their lease was up, I called the tenants and I told them that their lease would not be renewed, because I was considering selling the house. They immediately became interested in purchasing the house. At this point, they're over a month behind rent. I extended their lease for a month, just to give them time so they wouldn't feel rushed. You might be thinking that why would I do such a thing when they have financial problems. Well I knew they had adult children, so the idea in my head was they would cosign to get them qualified for the mortgage. Long story short, they didn't qualify. I sent them another letter that they will need to move out by the end of March. Since that letter, I've received two voicemails from her. In her last voicemail, she finishes off with something along the lines of "remember when I got hurt at the property? I never went for surgery, but this pain is something that I'll have to live with for the rest of my life. All I'm asking for is to let us stay until the end of August."Any advice on how to deal with them? I really want them out of the house ASAP, I do not want to deal with them anymore. I'm worried about getting sued, but I understand that my landlord's policy would pay for my defense and any judgement they won. I'm worried that at the time I only had $100,000 liability coverage, since then I've raised it but that obviously wouldn't be retroactive.Any advice?Edit: When they move out, my best guess is they will owe rent. What I was thinking about doing, is offering them to let the rent past due go, as my chances to collect on it are very slim anyway, in exchange for them releasing me from all liability. Would this even work? Can they still sue if they signed a piece of paper releasing me from liability?
Lights and Sound Workbench $4 @ JCPenny (Was $20) w/ FS to store
Added on : Tuesday January 17th 2012 06:19:28 PM
JC Penny has a toy workbench for $4. The reviews (both of them) are mixed, so you can take your chances. I know my two year old can destroy a great toy in one day, so I never expect them to last too long anyhow.Here's the link to JCP.You can get free shipping to the store with code FREESHIP.I bought one for my daughter's daycare.
EXPIRED-Free Suave Professionals Keratin Infusion Sample *FACEBOOK
Added on : Tuesday January 17th 2012 03:43:48 PM
Get a FREE Suave Professionals Keratin Infusion Sample-http://www.facebook.com/SuaveBeauty?sk=app_300858586615866
Suave Beauty
Thanks to everyone for their love today! The Keratin Infusion giveaway is now over. Please check back throughout the year for more chances to win products and prizes from your friends at Suave.
Hyundai refuses to fix a recall on my car
Added on : Sunday January 15th 2012 12:17:14 AM
So I have a Hyundai car that has a recall that was issued in 2008 for the airbags. The recall said that all cars from 2006-08 have the POTENTIAL for the airbag sensor to quit working, and unless your airbag light comes on, then owners do not need to worry about the recall.
So all was well until 2010 when my airbag light came on. I took it to the dealership (car was still under warranty) and the mechanic checked it, found several codes on the computer, and he said he checked them all, and everything was fine with the airbag, and it must have been a low battery that caused the airbag light to come on.
Fast forward to the fall 2011 (5k miles out of warranty) and my airbag light comes on again. I again take it to the dealership, and they confirm the airbag sensor is bad, and that it would be over $1k to fix it. I tell them there is a recall on it, and it should be covered. They go back to their computer for about 10 minutes or so and come back and say my vehicle isn't part of that recall. We go back and forth for a little while, and then finally leave with a note on the service slip that stats my vehicle is not and has not ever had a recall for the airbag.
A few days later, I called Hyundai Corporate, and talked to their recall department. They talked to the dealer, and after almost an hour on the phone with them, they sided with the dealer, saying there is no active recall for my vehicle.
So then I filled a complaint with the NHTSA, and through some research on their site I have copies of all documents that Hyundai filled with NHTSA which states that my vehicle DOES match the recall, and that all of my model car, in the year my car was manufactured HAS THE POTENTIAL for the airbag sensor to quit working. In the Service Bulletin, it stats that if error code x is found, then the dealership should do the work, and on my repair slip for the estimate, it stats, error code x is what is wrong. The bulletin also stats that since not all vehicles need to have this work done, only the cars with the airbag light on, that the recall will not show active in their computers. So now I'm stuck with what to do. The car dealership is 120+ miles round trip, and anytime I have to go I have to take a day off of work. I have already taken 2 days off from work for this issue. I have also spent almost an entire afternoon talking to them on the phone. So I have already given them 3 chances to fix it.
But now with this new information, I'm not sure if I should drive the 120 miles, and take another day off of work to have them fix the problem, or at least see if they will, which I have my doubts, or if I should go to the courts.
I have no doubt in my mind that I could win in small claims court, even representing myself, but then I wonder if I should get the help of a lawyer to get more money for all my time/energy put into this. Having a recall fixed shouldn't be this hard, and Hyundai Corporate should know about their recalls.If I go the small claims route, can I file it in my county, or does it have to be in the county where I bought/serviced the car (where the dealer is). Also would I sue the car manufacture, or the dealer? Or should I get the help of a lawyer, and forget the small claims ? Or should I do something else ??Thanks for your time/help/suggestions.
40 pairs of flip-flops for $43.90 - shipped. Old Navy
Added on : Monday January 02nd 2012 06:41:50 PM
OK.... Yeah, I know. Why?Well, I ran into this post HERE in one of my scheduled feeds I read and thought it was interesting.Who needs 40 pairs of flip-flops?Well, maybe not you. Unless of course you are planning a huge beach-themed party, are a person who builds gift baskets, or are fighting back and just wrapping flip-flops for everyone for Christmas next year. (It could happen!)But, if you do...here is the link to some:
TextSome are as low as $1.29 and if you use the coupon code "ONEXTRA15" you get 15% off your order   
Chances are likely that you may want a little more variety in your shopping bag. Go ahead and mix your seasons. Follow this link and see what else you could use.I'm thinking you can get 11 of these for $46.65 shipped. Anyway...enjoy!
Should I pay off my mortgage?
Added on : Thursday December 29th 2011 12:08:50 AM
I have been getting a lot of good advice thru FW and therefore wanted to pose this question about paying off mortgage.Background Financial Info
1. Annual household income (2-salaries) > $300K
2. 401K Maxed out and totals around $500K
3. non-retirement - $300K and Bank Savings/Checking - $200K
4. $1M home with $400K mortgage 15 years fixed with 3.25%APRQuestions
1. With this info, should I pay off my mortgage?On one hand I think that paying off is a good ideas since I am getting return of only about 1% on bank accounts.On the other hand, I think that paying off is not a good idea since the rate is so low and there are good chances to get better than 3.25% return in market over 15 years.Thoughts?
Apply for Free Mardi Gras Home House Party
Added on : Sunday December 18th 2011 12:18:48 PM
It's from Zatarain's, a good quality company. It's free, but you have to fill out a long application. Not sure what your chances are, but may be worth a shot. You have to agree to host a party. Don't know much about the House Party website, couldn't find it here under freebies.Your exclusive Party Pack will contain: * Zatarains Rice Mixes and Seasonings
* Coupons for your guests to save on Zatarains products
* Zatarains branded serving spoon
* Zatarains branded hot pad
* Recipe cards with delicious Zatarains recipes
* And more!Mardi Link
Free Computer Parts for 12 days of Christmas by AZiO
Added on : Thursday December 15th 2011 06:23:52 PM
Free 11x AZIO Gaming Keyboards, 3x Visiontek HD6850, 3x Killer2100, 1x Zotac GTX560TI, 1x Zotac ZBOX, & 1x PatriotMemory SSD.www.Facebook.com/AZiOCorporationRules
Register on AZiO's Facebook Page under the 12 Day Give Away Application to enter this give away.
Participants can win only ONE give-away prize day during this promotion.
All participants will be re-entered for each give-away opportunity after the initial Like day. You must Like all related Facebook pages. *Prize winners during this promotion will not be re-entered.
Please share & tweet with friends for more chances to win awesome prizes!
Free 30 Day Supply of Essential Beginnings
Added on : Wednesday December 14th 2011 09:15:01 PM
Etif.net is offering a free 30 day supply of essential beginnings. From the siteEivf said: Use of pre- and post-natal nutritional supplements may improve your chances of success. Essential Beginnings products are developed by World-renowned experts in Reproductive Endocrinology, Urology and nutrition, based on sound medical evidence and timely research.
Staples sent out a multiuse $20 off coupon today. Unfortunately, they have little listed on their website that is worthwhile, but you may also be able to use it at OfficeMax or OfficeDepot, thus increasing your chances of finding something good on clearance.
July Birthstone: RubyKnown as "king of the gems" in ancient Sanskrit, the ruby has long been prized for its rarity and its passionate red hue. Those born in July wear rubies as symbols of beauty, love, happiness, and good fortune.History of BirthstonesChances are you can name your birthstone, but have you ever wondered how certain stones came to be associated with particular months? Most gem scholars trace the tradition to the Old Testament story of Aaron, whose breastplate was decorated with twelve precious stones, one for each of the twelve tribes of Israel. Over time, these stones were linked with certain powers and tied to particular astrological signs, and later to calendar months.There are many variations of birthstone lists, including Mystical birthstones, which originate from Tibet and date back over a thousand years, and Ayurvedic birthstones, associated with ancient Indian medicine and beliefs. Birthstones have also been tied to ancient Pagan religions, and even to the collective wisdom of the legendary lost city of Atlantis.The Modern birthstone list, perhaps the most universally known, was released by the American National Association of Jewelers and officially adopted in 1912. Whether you embrace birthstone lore, or look upon it with a skeptical eye, there is an undeniable appeal to collecting a beautiful gemstone that is reputed to hold special power, meaning, and good fortune just for you.http://www.amazon.com/dp/B004GEB9M4/ref=xs_gb_bd_BsB!35nIall-?pf...
Dance Central 2 $29.99 shipped @ Amazon
Added on : Thursday November 24th 2011 06:15:36 AM
You can take your chances getting it for $25 + tax at Best Buy or battling others to get it for $25 in the Amazon Lightning Deal.Or just get it now for $29.99.Amazon Link
Hertz Car Sales $1,000 Off Any Vehicle Now Thru November 30th
Added on : Monday November 21st 2011 06:07:39 PM
Hertz Car Sales has some very aggressive pricing going on right now with an extra $1,000 off promotion running through November 30th. This weekend, my wife and I purchased a 2010 Toyota Prius with 27,500 miles for $16,600 + tax. Was an interesting process where you can first inspect the vehicle and then take it for a free two-hour test drive or rent it for up to 3 days at $50/day.HertzCarSalesOur Experience:
Knowing that these prior rentals may have some wear and tear, we made reservations for 3 different vehicles (2011 Nissa Rogue S AWD, 2011 Toyota Camry SE, and the Prius) and inspected them all at the airport prep area at the same time (John Wayne Airport - Southern California). We decided to take the Prius overnight and have it inspected the following morning at our local Toyota dealer since we had a "Free Multipoint Inspection" coupon from them. The dealer only recommended a new air filter and cabin air filter which Toyota calls for replacement at 30k. Front tires were worn as well (Hertz is taking care of replacement).Our Prius also had some scuffs on the top of the rear bumper and inside the trunk on some of the plastic molding pieces. There is also one small scrape on the lower front bumper molding in front of the passenger front tire. Overall, I was pleasantly surprised at the condition of the vehicle.We decided to purchase the Prius after the Toyota dealership inspection and completed all paperwork at one of the main Hertz Car Sales offices in Pasadena. Buddy is the Manager at that location and if you are in Southern California, I would highly recommend working with him (626-817-0807). He is very knowledgeable about the process and went the extra mile for us regarding the replacement tires.The best pricing right now seems to be on the Nissan Rogue. The 2011 AWD Rogues are currently showing $16,900 in my area. There's one with 22,000 miles, another with 23,000. To be fair, most have mileage in the 30's. They also have the 2010 Mercedes GLK for $24,200 (35k miles).Honestly, I never thought I'd buy a car this way, but it fell into place and we couldn't be happier. One last point - I would recommend buying from a nicer area if you can, which may / may not increase your chances of getting a vehicle that has been taken care of a little better.
Free Star Wars The Old Republic Beta Key
Added on : Tuesday November 15th 2011 03:11:14 PM
First 75,000 only:
http://massively.joystiq.com/2011/11/14/need-a-beta-key-for-star-wars-the-old-republic-how-about-75k-b/The date of the next round of testing has not been announced yet, but BioWare is clear that everyone with a key will receive an invitation approximately seven to 10 days before the test. When the test starts, BioWare will begin inviting groups of players every 24 hours until they've invited everyone with a key into the test. They also say that the test will run approximately four days, giving some players more time to play than others. Also, BioWare has cautioned that if you're already a regular beta tester for SWTOR, don't grab one of these beta weekend keys as it may jeopardize your chances.
Star Wars The Old Republic Beta Key
Added on : Monday November 14th 2011 06:11:23 PM
First 75,000 only:
http://massively.joystiq.com/2011/11/14/need-a-beta-key-for-star-wars-the-old-republic-how-about-75k-b/The date of the next round of testing has not been announced yet, but BioWare is clear that everyone with a key will receive an invitation approximately seven to 10 days before the test. When the test starts, BioWare will begin inviting groups of players every 24 hours until they've invited everyone with a key into the test. They also say that the test will run approximately four days, giving some players more time to play than others. Also, BioWare has cautioned that if you're already a regular beta tester for SWTOR, don't grab one of these beta weekend keys as it may jeopardize your chances.
The secret is in the tail (Isn't it always). Made from realistic synthetic hair to provide life-like movements in the field! Easy DoeR uses a remote-control unit that causes the tail to flick from side to side, replicating a live whitetail! Looks realistic from just feet away! The inflatable, 3D look design flat decoys out of the water. Plus, a scent patch attaches underneath the motorized to draw targets within range. Simply mount the Easy DoeT on the included adjustable aluminum post so the feet make contact with the ground, or raise it up a bit so the Decoy occasionally rotates in the breeze. It's the best ruse on the market. Enhance your chances for success with Easy DoeR!Features Include:Extremely lifelike, inflatable decoy easily sets up in 2 minutes or less
Realistic, patented, remote-controlled tail movement combined with head down 'at ease' posture, attracts and calms nearby deer
Tail movement accurately simulates the 'flicking' motion used by calm, relaxed deer
RF remote allows tail movement control up to 100 yards away
Inflatable design makes Easy DoeR lightweight and quiet for easy transport to and from your hunting site
Battery-powered pump quickly inflates Easy DoeR in under 2 minutes
Adjustable-height, center-mounted pole allows easy placement of Easy DoeR
Carry bag is durable and small enough to take along with the rest of your gear
Inflated Dimensions: 34 x 10 x 28 inches
Package Contents:Battery-powered air pump, requires 4 D batteries (not included)
RF remote
Tail motor kit, requires 4 AA batteries (not included)
Adjustable-height mounting pole
Scent patches
Repair kit
Carrying baghttp://www.sears.com/shc/s/p_10153_12605_00645605000P?
Increasing chances for BT credit card
Added on : Wednesday October 26th 2011 12:01:32 AM
I have currently have a balance of $11,000 on my credit card. I want to apply for a new card with a good BT offer to pay this balance off. Even though my score is 762, my credit report does show that balance of $11,000. Would it be a good idea to first pay this balance out of my checking account and then apply for a new credit card? I don't want the new bank think that I want to apply for their card just to take a full advantage of their 0% APR.If this is a good idea, how many days should pass from the day I pay the credit card balance off so that it gets reflected on my credit report?
http://www.lowes.com/pd_335639-59179-MS8PA-N1-BK-T36_4294795214_...Chances are that many stores might be OOS as last time they were found for 37 cents. Prices at these stores zip code: 35244Hoover, AL $0.30
Homewood, AL $0.30Others:
Glendale, AZ $0.50
Victorville, CA $0.60
Easton, PA $0.60Browser Trick
=========Make sure that your local store is carrying the productYou need 2 browsers1st Browser
=============
1.)Go to Lowes.com and make an account if you dont already have one.
2.)Click whatever product link for what you want to buy.
3.)Change your shop at this store location to an area that has the lowest price and that still shows at least one in stock.
4.)Add the item to card after selecting pickup at that store.
5.)Go to your cart, sign in your account or enter in your info.
6.)Go to CHECKOUT ( Do not enter credit card/payment information)Open 2nd browser
=================
1.) Just change it to your local storeGo back to the first browser enter payment information and u can see the store changes to your local store and price still remains the lowest
Copied from SD.
Now that the US has confirmed its withdrawal, is it time to resurrect the Dinar investment thread http://www.fullofdeals.com/forums/arcmessageview.php?start=0&catid...Anyone taking chances ?
Handicapping China's New Leadership Team
Added on : Friday October 14th 2011 03:00:19 PM
As some on here should know I have been predicting a large crash in China's property markets and therefore the rest of China for over a year now. I still strongly believe this is the case, and it appears it is still approaching sooner than some have predicted.This is what we know:
1) Ghost cities
2) Estimated 30% property vacancy in all of China
3) The Chinese have been increasing interest rates, reserve requirements, etc. to try to pop the bubble
4) In recent weeks many major property developers have had their bonds drop to only 70 cents on the dollar signifying a belief among investors that at least a partial default on their bonds is likely
5) Property developers increased reliance on underground financing at interest rates of at least 70%
6) Continued talk of municipalities and provincial governments carrying on excessive debt in their special investment vehicles
7) Ratings agencies predictions that a 40% reduction in sales would lead to half of property developers analyzed not being able to meet interest payments2 New Developments:
8) Decision of the Chinese sovereign wealth fund to publicly invest in Chinese state owned banks to attempt(somewhat unsuccessfully) to calm the markets
9) News that September and October property sales them, 2 best selling months in China, are down anywhere from 30-50%(depending on the source) in comparison to last year.All this does point to a likely crash in China in the none to distant future.But this isn't the purpose of this thread.Taking a longer term view of developments in China I decided to research what changes may happen in party leadership at the upcoming Communist party National Conference next fall. I am not only creating this thread for those that are interested, but also for my own reference in the future. The defacto ruling committee in China is called the Politburo Standing Committee(PSC) which is a 9 member committee. 2 of those spots are always occupied by the President/General Secretary and the Premier. And only the 2 that will be appointed President/General Secretary and Premier will stay on the committee. The other 7 are leaving to make way for younger group of leaders.Now for purposes of simplification I have decided to use a scale of 1 to 10 to rate current members and future aspirants of the PSC. Those that are closer to 10 would be more "liberal" meaning they generally seem to want to move towards a more market based economy and they are comprised of mostly economists, people with experience running state owned enterprises, and engineers or other highly technical professions. And those closer to a 1 would be more "hard liner" meaning they generally seem to be focused primarily on political control and promote nationalism and they are comprised of mostly party bosses, propagandists, and in 1 case a former developer of military technology(missiles). Of course these numbers are just my guesses out of reading their bio's, statements, and commentary in articles about them and obviously they are very subjective.Current Poliburo Standing Committee1)President and General Secretary: Hu Jintao - 7
3)Premier: Wen Jiaboa - 7
2)Wu Banggou - 5
4)Jia Qinglin - 6
5)Li Changchun - 1
6)Xi Jinping - 8
7)Li Keqiang - 7
8)He Guoqiang - 4
9)Zhou Yongkang - 4Leadership average: 7
PSC Average: 5.4 New leadership(practically guaranteed)
President and General Secretary: Xi Jinping - 8
Premier: Li Keqiang - 7Leadership average: 7.5
7 Spots available and outside of any surprises(which are possible the Xi and Li were the only surprises last time around) there are 9 aspirants that fit with party traditions of appointing off of seniority, but not too old.
Those 9 contenders divide into essentially 6 "liberals" and 3 "hardliners".Liberals:
1) Wang Qishan - 8
2) Li Yuanchao - 7
3) Zhang Dejiang - 7
4) Liu Yandong - 6
5) Zhang Gaoli - 8
6) Wang Yang - 9Hardliners:
1) Liu Yunshan - 1
2) Yu Zhengsheng - 1
3) Bo Xilai - 0(if not worse)
Now it is widely believed that 3 of those listed are highly probable to receive Politburo Standing Committee appointment because of their 2 terms in the Politburo as opposed to 1(again selection is really seniority based) and there is one more person that pundits just think he's likely to be picked. The 3 contenders with 2 terms in the Politburo are Liu Yunshan(1), Yu Zhengsheng(1), and Zhang Dejiang(7). The person expected to get the #3 spot in the PSC is Li Yuanchao(7).Notes on 2 contenders.1) Yu Zhengsheng has a background in the development of military technology particularly the development of missiles. He is also the son in law of a People's Liberation Army Major General. Beijing normally doesn't promote anybody to top committee with military ties like this. His appointment is expected because of his 2 terms in the Politburo, but his appointment also means that we can expect military spending to increase under new leadership.2) Bo Xilai is the ultimate communist. Apparently while Mayor he liked to send out text messages to 13 million people in his city with "Mao sayings". Also he recently made a decree that "all districts, government departments, commercial corporations, universities, schools, state radio and TV stations to begin singing "red songs" praising the Communist party. He also seems to want to reinvigorate the country with Marxist ideals.Well he is in a "PR" campaign right now to build pressure on others to get himself appointed. At the same time current President Hu Jintao is secretly campaigning to kill any chance of the guy getting appointment. Usually when the President doesn't like you, your chances are slim, but apparently he has some supporters. So Bo is the one to watch. If he gets appointment that means hardliners are trying to trying to get back control of the PSC. If he doesn't get the appointment then you can expect the new leadership to even accelerate current moves to liberalize the economy and loosen control on the media.
Southwest Rapid Rewards - 30 Mllion Point Giveaway - FREE RAPID REWARDS POINTS!
Got this in my email last night and "earned" 100 points via the 5 question Week 1 quiz. There are 5 questions, 20 points per question. I'm sure someone will post the answers, but if you see a question and don't know the answer, just watch the video again and reload the page before submitting your answer. It looks like there are 6 weeks, so assuming 100 points per week...this works out to 600 free Rapid Rewards points.----------------------------------------------------------------------------Dear _______:It's time to get your share of 30 million points in our
Chief Reward Officer giveaway!From now until November 13, 2011, you'll have many
chances to get your hands on valuable Rapid Rewards
Points that can get you to your next vacation faster. Enter
for a chance to:Become our Chief Reward Officer and win 3 million points!
Win one of ten 100,000-point sweepstakes prizes.
Watch videos and earn hundreds of points playing
weekly games. Millions of points are standing by!Become our Chief Reward Officer
30 million point giveaway
Ten 100,000-point sweepstakes
Earn extra points with weekly games So register now, have fun, and get your share of 30 million points!
Pulled from S/D thanks BeSwift315 op
McDonald's Monopoly Sweepstakes is here again! Enter the 2011 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, Nissan Leaf electric cars, a lifetime's worth of EA Sports games, $100,000 cash, free McDonald's food prizes, and much, much more!
I will be donating any and all unused Monopoly codes here on this page. And as weve seen in the past, quite a few other folks usually join in the fun along with me. Please don't list your Nissan entries, Everyone gets those, thanks. So check this page a few times a day to see if you can score some points, or feel free to add to the discussion of the McDonalds Monopoly game and prizes.  SPECIAL MCDONALDS 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.
* The codes will be on food items until 10/24/2011 (or until supplies last), but you have until 11/5 to enter the codes online.
# CHANCES PER PRODUCT:
======================
* 20 Piece Nuggets....4 peels
* Large Fries.........4 peels * Hash browns.........2 peels
* Egg McMuffin........2 peels
* Oatmeal.............2 peels
* Big Mac.............2 peels
* 10 Piece Nuggets....2 peels
* Medium drinks.......2 peels
* McCafe drinks.......2 peels
* Filet-o-Fish........2 peels


NEW PRIZES THIS YEAR:
=====================
* 1,000 MyCokeRewards Points
* 30 MyCokeRewards Points
* Several EA video games
* Kinect for Xbox 360
* Gift Cards
* Trips to London, the Caribbean, or Chicago
* Nissan Z Coupe
* Nissan Leaf
McDonalds Monopoly 2011 Rare Pieces (and prizes):
==================================================
* Mediterranean Ave $50 10,000 prizes
* Vermont Ave $100 3000 prizes
* Virginia Ave $200 SpaWish Gift Certificate 250 prizes
* Tennessee Ave Beaches Resort Vacation 300 prizes
* Kentucky Ave $50,000 8 prizes
* Shortline Railroad EA Sports Fan Trip 8 prizes
* Ventor Ave $100,000 6 prizes
* Pennsylvania Ave SL MY 12 Nissan Leaf (electric car)- 2 prizes
* Boardwalk $1,000,000 1 prize
If you use a code, please let others know! It saves us all time, and it makes our code donors feel good. RBM stands for redeemed by me and RNBM means that you tried the code, but it was Redeemed, Not By meAnd finally, if you WIN something, POST IT! Everyone loves hearing about the big wins! MCDONALDS MONOPOLY GAME ONLINE - http://www.playatmcd.com/Mcdonalds Monopoly Official Rules
McDonald's Monopoly Sweepstakes is here again! Enter the 2011 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, Nissan Leaf electric cars, a lifetime's worth of EA Sports games, $100,000 cash, free McDonald's food prizes, and much, much more!
I will be donating any and all unused Monopoly codes here on this page. And as weve seen in the past, quite a few other folks usually join in the fun along with me. So check this page a few times a day to see if you can score some points, or feel free to add to the discussion of the McDonalds Monopoly game and prizes.  SOME MORE INFO ABOUT THE GAME:
==============================
This pre-promo thing goes from 9/20 to 9/26. You can start entering real codes on Tuesday, Sept 27.
The codes will be on food items until 10/24/2011 (or until supplies last), but you have until 11/5 to enter the codes online.
# CHANCES PER PRODUCT:
======================
* 20 Piece Nuggets....4 peels
* Large Fries.........4 peels * Hash browns.........2 peels
* Egg McMuffin........2 peels
* Oatmeal.............2 peels
* Big Mac.............2 peels
* 10 Piece Nuggets....2 peels
* Medium drinks.......2 peels
* McCafe drinks.......2 peels
* Filet-o-Fish........2 peels


NEW PRIZES THIS YEAR:
=====================
* 1,000 MyCokeRewards Points
* 30 MyCokeRewards Points
* Several EA video games
* Kinect for Xbox 360
* Gift Cards
* Trips to London, the Caribbean, or Chicago
* Nissan Z Coupe
* Nissan Leaf
McDonalds Monopoly 2011 Rare Pieces (and prizes):
==================================================
* Mediterranean Ave $50 10,000 prizes
* Vermont Ave $100 3000 prizes
* Virginia Ave $200 SpaWish Gift Certificate 250 prizes
* Tennessee Ave Beaches Resort Vacation 300 prizes
* Kentucky Ave $50,000 8 prizes
* Shortline Railroad EA Sports Fan Trip 8 prizes
* Ventor Ave $100,000 6 prizes
* Pennsylvania Ave SL MY 12 Nissan Leaf (electric car)- 2 prizes
* Boardwalk $1,000,000 1 prize
If you use a code, please let others know! It saves us all time, and it makes our code donors feel good. RBM stands for redeemed by me and RNBM means that you tried the code, but it was Redeemed, Not By meAnd finally, if you WIN something, POST IT! Everyone loves hearing about the big wins! MCDONALDS MONOPOLY GAME ONLINE - http://www.playatmcd.com/Mcdonalds Monopoly Official Rules
Tips for New Grads looking to Enter Workforce
Added on : Friday September 30th 2011 06:00:05 AM
Do the older, seasoned FWFers have any tips and advice for those fresh out of college or grad school looking to make an honest living?There are two important things that need to be done by a person in that situation:1. Finding a good job (decent pay, good work-life balance, reduced likelihood of burnout)2. Keeping that good job (not being layed off, fired, being replaced by technology, losing govt job due to budget cuts)
A lot of employers are simply not hiring much, and a lot who are hiring seem to be offering a lot of temp and contractor jobs
instead of full time jobs with benefits. Any advice on getting a full time job with benefits or are young people supposed to make
do with what's offered and wait a few years to get a better job? (this is for people with either a college or master's degree in
a variety of field, no one specific major necessarily) How can you stand out from the rest? So many people are applying, it's going to be
tough to be picked out of 200 or 500 applicants. What do employers seek the most? Confidence, good degrees, language skills? If the person is fortunate enough to find a good job that pays well, how can he or she increase the chances of keeping that job?
I've also read that you should rent instead of buying a house, and that if you buy a house you should only do so if you know you're
going to live there at least 5 years. I think that makes sense, it wouldn't be wise to buy a house and then have to move out just 2 or
3 years later. But how can you really control that? The company might send you to a different location in another city, or simply layoff
a lot of people. I've also seen well qualified, senior level employees who move around a lot, switching positions and locations
every 3 or 4 years. It seems the job market is very fluid and a lot of people are not sticking to one job or location for too long.
Finally, how realistic is it to start your own business and be your own employer, like having a home business?
Or else working for someone else but doing a lot of "telecommuting" where you do 90 percent of your work at home on the computer
and do a lot of phone calling and teleconferences? I think jobs that can be done in your pajamas in a comfy home office or at the beach
via internet and phone have a lot of appeal, but are rare to find. I know a few people who are able to do that, but not many. They still
work long hours and have to be on the ball, but at least they can do so from a mountain resort, living room, home office, instead of a little cubicle or hectic office
wearing a necktie and suit jacket. The work might be intense but the environment would be calm and relaxing.I do think that the age of Twitter, Facebook, LinkedIn, eBay, smartphones, telecommuting has brought in new employment styles and opportunities,
but how likely is it for someone to make a consistent monthly income from that? You can network much more easily and
reach potential clients or employers much more easily in the digital age, but how can you translate that into a consistent,
well paid job or business?I hope this starts a good discussion on a very important topic. All human beings need food, lodging, decent health care,
clothes, and a way to advance in life. For those of use who don't have a trust fund or an uncle who's chairman of the board, we're going to have to find a decent job to survive. I'm also looking forward to reading the 2011 edition of the yearly Career Thoughts and Compensation Thread Good info there as well.
Talk Like a Pirate Day: Booty Bag of FatWallet Schwag
Added on : Monday September 19th 2011 06:02:47 PM
2 Posted By: HeatherS4
Views: 821 Replies: 38

Grab yer Booty Bag 'o FatWallet Schwag:In Honor of Talk Like a Pirate Day, we pillaged the schwag room here and scrounged up a motherload (24 sacks) a schwag we be sharin' with ye all!
Here's how we're fixin to divy it up:
6 on Facebook:
Go to the @FatWallet and the link to this post) in your tweet so me know ye'tweeted us.6 on the BlogComment on this blog post letting me know why yer a wantin' the booty bag!6 in here in the ForumsComment here the forums letting me know why yer a wantin' the booty bag!
24 winners will be drawn randomly tomorrow at 10:00 a.m. (Eastern).
You can enter in all 4 places to increase your chances, but only one bag will be awarded per person.
Eligible entries received before 10:00 a.m. ET/9:00 a.m. CT, September 20, 2011.
Please review the official rules for this giveaway.
Wait time between applying for credit cards?
Added on : Monday September 12th 2011 03:00:13 PM
Trying to help my sis maximize her chances of getting accepted with a medium to poor credit rating. She applied last week online for an Orchard Bank card and was acccepted with a $300.00 line of credit. She wants to apply for an American Express Starwood Card through a link I sent her as a referring cardholder. Would it be to her advantage to wait longer to apply? If so, how long? Thanks FW financial wizards .
Here's the story:We purchased a 2006 Toyota Avalon Limited a couple of months ago (late May) and the vehicle was involved in a rear-collision accident in early August in which the other driver was found to be at fault by the police and his own insurance company. Brand new tires worth $650 were installed on the vehicle only 2 days before the accident. Vehicle was in Body Shop of my choice for nearly a month before the at-fault insurance company (USAA) declared it to be a total loss. During the time it was in Body Shop, USAA paid for a car rental. USAA offered an actual cash value (ACV) of about $17,500. Average dealer/retail price for similar vehicles (same trim, similar mileage, etc) within 50 miles of my location (Seattle) is between $20,000 and $21,000I disputed the ACV with USAA and asked for the valuation report which came from CCC. There were a lot of deductions in the report that didn't make sense and USAA didn't even include the full value of the new tires (they gave $125 credit for the tires even though they were installed only 2 days before the accident and receipts were faxed to USAA). USAA refused to budge from the ACV. A complaint was filed last week with my state's insurance commissioner which sent USAA a letter asking for paperwork and to justify their ACV valuation. The car rental expired a week ago and I had to take the vehicle out of storage at the Body Shop a few days ago and put it in my own garage so that I would not be charged storage fees.Questions:What are the best strategies for dealing with big insurance companies like USAA in situations when the ACV is being disputed? How exactly would you dispute the ACV other than complaining to the state insurance commissioner? Do you say some magic words to USAA over the phone and they will start an official dispute process? USAA is NOT my insurance company. It is the at-fault party's insurance company. Should I get my insurance company involved in some way? Is time on my side? Will increasing time put more pressure on USAA to settle at a higher amount? I have read other threads on FW about totalled vehicles and the consensus advice seems to be to never accept the first offer or even the second offer. But it is unclear whether the insurance company would even budge from the first offer. Any advice/suggestions in maximizing my chances of getting a higher ACV is appreciated. Thank you.
This deal requires the (MIR) that you will print and mail, not sure about multiple bate's per address.LinkyDont' let the car dealers and service shops rip you off anymore.
what cost $40 at jiffy lube is less than $10 on Amazon.
Dealers charge upwards of this ...for a cabin air filter at a dealer $100 average.
Chances are you and your tech savy kid can do it for $25 or less.
Newer cars have it behind the glovebox in most cases, no tools required.
From Kiplinger's: includes 2 courses not offered in previous specials.Now enjoy brilliant college courses in your home or car!
The Secrets of Mental Math - Course No 1406: 12 lectures/30 mins each; DVD
Museum Masterpieces: The Louvre - Course No 7175: 12 lectures/30 mins each; DVD
My Favorite Universe - Course No 158: 12 lectures/30 mins each; DVD
The History of the Bible: The Making of the New Testament Canon - Course No 6299: 12 lectures/30 mins each; DVD or CD
All 4 for $34.95
Special introductory offer!
Order any one of these best-selling courses for only: $9.95 on DVD
+$5 shipping and handling Priority Code: 59582All orders subject to approval. Limit of one order per household. Cannot be combined with any other special offers or promotions.
Order today! Sale ends Saturday, November 5, 2011www.thegreatcourses.com/9KP
1-800-832-2412Also, on the regular website, you can see the special sale offers that include previously offered courses:
What are the Chances? Probability Made Clear - Course No 1474: 12 lectures/30 mins each; DVD
Museum Masterpieces: The Louvre - Course No 7175: 12 lectures/30 mins each; DVD
My Favorite Universe - Course No 158: 12 lectures/30 mins each; DVD
A History of Hitler's Empire, 2nd Edition - Course No 805: 12 lectures/30 mins each; DVD or CD
All 4 for $34.95
$9.95 on DVD
$9.95 on CD Not sure how much shipping is for this part of the offer. Expires November 5http://www.thegreatcourses.com/tgc/courses/CourseBuffet_SpecialOffer.aspx?lid=3wp&ai=59581
Course descriptions on the site.I don't think you need to be a brand new customer, but YMMV.EDIT: If you click "Courses Under $40" in the left nav, you'll also find additional courses for $9.95 tho I don't know if the shipping is still $5...YMMV
HP Touchpad ---- HP website or insight.com YMMV
Added on : Monday August 22nd 2011 09:09:16 PM
I had placed an order on HP's biz website over the weekend and kept timing out. Funny thing when I went back today items were still in cart. I went ahead and checked out and it told me the item price dropped to $99 for the 16GB, and shipping date was 8/27. Not sure if anybody was in same boat of timing out over the weekend, but maybe something worth the time as they showed available in my cart. Also www.Insight.com has stock but has not yet dropped price. They are waiting for an okay from HP and management to drop the price. A little bit of a risk, but if unopened they offer 30 day return so I do not think they will not drop the price, as no one will actually buy them at retail. They are big enough of a place to want to make the customers happy. You could be responsible for shipping both ways, but taking the chance.Just throwing out ideas if you are trying to pick up one of these like I am. Timing out with HP. bought from Amazon with onsale, not sure status. I figure this gives me two more chances.
Endorsing a Direct PLUS Loan for good friend
Added on : Wednesday August 17th 2011 06:00:10 PM
Long story short...A friend asked if I could endorse his Federal Direct plus Loan today for around $20k. He has crappy credit but I trust that he'll be able to repay the loan upon graduation. The question I have is that right now i'm in the process of home shopping and will be applying for a mortgage pre-approval. What impact, if any, will endorsing this loan have on my chances at a decent pre-qualification? As a side note, would there be any other options my buddy could look into if I tell him no?Thanks in advance.
Balance bike to train your 3 year old & up to ride a bike without pedals.
They can concentrate more on steering and balancing.
Then eventually transition to a bike with pedals.Manufacturer: Chicco
Model: Red Bullet
Price: $49.97 + Tax
Walmart Link: http://www.walmart.com/ip/Chicco-Red-Bullet-Balance-Bike/1652891...
Have it shipped to store to avoid shipping cost.
Amazon Link:I found other type of balance bikes and found this was the cheapest for the quality.If you like to take chances there is also another bike for $29.95 but the seat breaks easily as it is made of plastic. Mixed reviews!"10inch WeeRide Learn 2 Ride Balance Bike"
Manufacturer: WeeRide
Model: ????
Price: $29.95
Link: http://www.walmart.com/ip/10-WeeRide-Learn-2-Ride-Bicycle/142481...
"Steel Balance Bike"
Manufacturer: ???? (Not Available)
Model: Steel Balance Bike
Price: $49.00 (Free shipping to Home)
Link: http://www.walmart.com/ip/Police-Running-Bike/11065196?findingMe...
Other links to other type of Balance Bikes:
Toot Scoot Bike Store
Skutt Bike on Amazon
Strider Bike
Glide Bikes
Doctor Missed Appointment
Added on : Saturday August 06th 2011 03:00:12 AM
So, I have been sick for about 2 weeks - started with strep throat and fever and has ended up with a cough which does not seem to go away.
I was in touch with my regular doctor via email, so did not bother going in. Yesterday, however he emailed me to get seen and set me up with someone else since he was on vacation.Appointment for 3pm, I was in the doctor's room by 3:05 - doctor never showed up till 3:55pm, so I just walked out. Had to since I was missing work since 2:15 just to get to the doctor's office.
End result: wasted 2 hours of my time and ended up picking a OTC medicine which is hopefully having some effect as I write.
I am with Kaiser (Nor Cal) - never had this problem with my regular doctor - in fact, every single previous visits, I was back in my car within 20-25 mins of my scheduled appointment time.What is the most effective way to deal with such a situation? At the least I intend to complain against the doctor in question - any ideas where to start for Kaiser? Running at least an hour late and not calling up patients to let them know and not even letting the receptionist know is not acceptable.And since this question is in a fatwallet forum, any chances of making some money for missed appointment? And if yes, how ?Thanks
smakur
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* Free gift for the group leader
basis.
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* Seating together as a group (Subject to availability)
* Group name recognized on the scoreboard (Minimum 50 person group)
* Posters to help promote your event (Minimum 50 person group)
* Personal service from your very own Account Executive
* Minimum Group size 15 or more people
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========================
Mezzanine - $17 (regularly $19)
Upper box Infield - $26 (regularly $28)
Upper Box RF or Upper Box LF - $26 (regularly $28)
Upper Baseline Box - $21 (regularly $23)
Upper Reserved - $16 (regularly $18)
http://mlb.mlb.com/det/ticketing/group.jsp 
OTHER GROUP DISCOUNT OPTIONS
============================
Enjoy the game in style in one of the nine party suites at Comerica Park! Party Suites
Diamond Suites
Home Plate SuitesTigers Party Pack
Pepsi Picnic Porch
The Dew Deck
Witherell Lounge Buffet
Party Decks
VIP Table for 10 in the Tiger Club
Upper Lounge Pizza Party
All You Can Eat Party Rooms (AYCE)
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Looking to make your outing extra special? Please contact the Sportservice catering and sales manager at (313) 471-2661 to customize your picnic/hospitality area.Group Policy
Rainout Policy
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Group Questions/FAQ
strange this hasn't been posted due to recent interests in CHEAP tablets. *if you are going to compare this to IPAD or even GPAD... move along. this is a cheap but nicely spec'ed tab intended as a TOY, not a status symbol.*toysrus has Coby Kyros 7022-4g tablet for $179. it comes with a $25 store card making final price $154 + tax. the item is listed on their website but there's no mention of a gift card online so i suggest going to the store or chose in-store pickup:
http://www.toysrus.com/product/index.jsp?productId=11773830this tablet runs android 2.3, has a 1Ghz cortex A8 processor (telechips), a 7 inch 800x480 capacitive multitouch screen, 512m ram 4g rom, sd expansion, HDMI output to 1080p playback and a single crappy front facing camera. Netflix and hulu (via flash) both verified to work. standard google market can be installed without having to root first. there are some modding activities, it's rooted but CM7 is not 100% working yet. (check slatedroid and xda for more info if you are into that)this is a perfect tablet for someone who needs an in-between tab, something cheap to hold them over and tinker with until better stuff comes along or if they are getting it for young children. it also has long term value as a music/video player. for example a dedicated hulu/Netflix/pandora/online video player connected to the TV via HDMI. if $159 is too rich for your blood they also have the 7005 model for $139 - $25GC = $114. it is not listed on their website, and might not be in all stores. 7005 is an older model with 800mhz processor, 7inch resistive touch screen and android 2.1(2?). it does have hdmi out and seems to be well built but i really don't recommend it unless you just want something cheap for your little devil child to bang on...speaking of devil child. toysrus also offers insurance add-on for around $20. it covers pretty much everything for 15month. not bad if you know for sure it's gonna be turned into a dartboard, and chances are 15 month later you can trade the remains back in for store credit. good luck. 
*edit* important - TRU return policy on this sucks. they will not refund once opened (exchange only). so don't think you can just "test drive" it because it's from a b&m store.
Well i have a townhome that i bought in 2006 for 205$K in lake county ,IL (super ridiculous real estate taxes 5.5k a year). The balance right now is 139$k. Houses are around area in non forclosures have sold for 100k - 130k but 130k seems optimistic. My neighbor is Short Selling and it's currently only 95k. I have a 5 year arm that i signed with penfed in november 2009 at 4.125%. I'll list the situation below.Current age:26 (married no children, 2 dogs)
Bought house:205k (2006 was only 21 when i bought it..dumb)
Current mortgage amt : 139k
Current mortgage stats :4.125% arm 5 yr start nov 2009
Renting out property for :1350$(i assume will go down with the further crash)
Morgage payment :710$
Monthly prop tax : 500
HOA monthly fee : 129My current housing situation/ financial situation
Bought foreclosure in much nicer area and property has already appreciated (paid for in cash).
Payments for property tax is around 700 a month.
Current overall take home:12k-19k /month (self employed)
Savings liquid:145k (keep in reward checking. also starting new business and will need some cash) 
My main question is. How much is "walking away" worth. What is the general dollar amount that it is worth? Illinois is a recourse state. What are the chances that they will come after me. I do somewhat value my credit so i'm not sure if i should junk it for 40-50k. Do you believe in my situation I should walk away, keep paying the min since as of now since what i'm charging for rent covers my expenses(barely), pay down my mortgage more, short sale, or anything else i can't think of? Has anyone here had the bank go after them even though they have the means to pay for it. Should i refinance to a better rate at a shorter term so i can pay if off faster? Any feedback would be helpful.
strange this hasn't been posted due to recent interests in CHEAP tablets. *if you are going to compare this to IPAD or even GPAD... move along. this is a cheap but nicely spec'ed tab intended as a TOY, not a status symbol.*toysrus has Coby Kyros 7022-4g tablet for $179. it comes with a $25 store card making final price $154 + tax. the item is listed on their website but there's no mention of a gift card online so i suggest going to the store or chose in-store pickup:
http://www.toysrus.com/product/index.jsp?productId=11773830this tablet runs android 2.3, has a 1Ghz cortex A8 processor (telechips), a 7 inch 800x480 capacitive multitouch screen, 512m ram 4g rom, sd expansion, HDMI output to 1080p playback and a single crappy front facing camera. Netflix and hulu (via flash) both verified to work. standard google market can be installed without having to root first. there are some modding activities, it's rooted but CM7 is not 100% working yet. (check slatedroid and xda for more info if you are into that)this is a perfect tablet for someone who needs an in-between tab, something cheap to hold them over and tinker with until better stuff comes along or if they are getting it for young children. it also has long term value as a music/video player. for example a dedicated hulu/Netflix/pandora/online video player connected to the TV via HDMI. if $159 is too rich for your blood they also have the 7005 model for $139 - $25GC = $114. it is not listed on their website, and might not be in all stores. 7005 is an older model with 800mhz processor, 7inch resistive touch screen and android 2.1(2?). it does have hdmi out and seems to be well built but i really don't recommend it unless you just want something cheap for your little devil child to bang on...speaking of devil child. toysrus also offers insurance add-on for around $20. it covers pretty much everything for 15month. not bad if you know for sure it's gonna be turned into a dartboard, and chances are 15 month later you can trade the remains back in for store credit. good luck. 
*edit* important - TRU return policy on this sucks. they will not refund once opened (exchange only). so don't think you can just "test drive" it because it's from a b&m store.
2010 taxes: deducting donations to Goodwill
Added on : Monday July 11th 2011 12:00:05 PM
I'm finally getting around to doing my 2010 taxes. I have a bunch of receipts from Goodwill where I donated quite a bit of stuff during a "de-hoarding" of my home. When deducting donations to Goodwill, do I need to list out every item that was donated? For instance, on one drop, I had given jeans, pair of shoes, bookcase and a clock. Do I list each item out with a price or can I lump it together as one donation worth $X? I want to minimize my chances of an audit of course.(Goodwill has an estimated thrift shop value which I am using to value everything)
All Cash property transactions.
Added on : Tuesday July 05th 2011 06:00:05 PM
Hello Guys,I am currently renting a condo which is under the foreclosure process. I now plan on buying it from the bank.
My realtor recommended that we go the "all cash" transaction route to improve the chances of a successful bid.
I have about 150% of the amount I hope to buy the condo with, invested in stocks which give me a healthy rate of return (much higher than the mortgage rate of interest).
Two options come to my mind for an all cash transaction.
1) Sell part of my portfolio, generate cash to buy the condo. Refinance and borrow money from the bank and reinvest in stocks. This would be my last resort, due to the tax consequences of selling the stocks I have capital gains on in 1 financial year(Long term capital gains makes this a little easier). Secondly, the appreciation of the stocks from the time I sell them till the time I obtain refinancing. Going this route might discourage me from even buying the house.2) Get financing from the bank before I even bid for the house. Get mortgage from the bank in the form of cashier checks. Use the checks as an all cash transaction. I don't know much about this option, can someone please explain this in detail.The property I am bidding on is in a great location however the building has a lot of foreclosures (the reason has nothing to do with the quality of the condo itself). This poses some obvious risks but also let's me get a huge deal when I compare other condos in the neighborhood (I am neighbors with the trump tower ). i strongly believe that the location will prevent the condo price to fall a whole lot more.Your advice is greatly appreciated. I tried searching this forum for details regarding option 2 but didn't know what to search for.
AMEX Daily Wish Cancelled 06.30.2011
Added on : Tuesday June 28th 2011 09:00:12 PM
I received an email from American Express Daily Wish stating they are canceling the program on June 30th. Too bad, they sometimes had good deals. In fact, just this morning I 'won' one of the "Spend $100 get a $50 gift card to Trader Joe's" There are two more chances to win tomorrow and Thursday.https://dailywish.amexnetwork.com/-Pak
Request for advice on starting up an online business
Added on : Thursday June 23rd 2011 12:00:07 PM
I am a FW old timer. I'm posting from this alternate id since I don't want to reveal my identity.I believe I have a good idea to start up an online business. There are two alternative ways forward that I see:
1. Big Bang Startup:
Tap into my network. Try to get people to partner/work with me as well as funding.
Pro's: Quick result. Higher chances of success.
Con's: If this business becomes successful, then my share in the pie is likely to be very small. 2. Start small. Grow organically.
I have the technical background to build a website myself. I can get a static ip from my internet service provider, buy a domain name, and host a website in my old desktop seating at the back of my media center. Or maybe I will rent some space in the cloud to host my website (depending on how much it will cost me).
On the business side, I will initially provide free services and try to generate traffic. As there is a small user base (and consequently, traffic) build up - I hope to be able to generate some income (from ads mainly). Gradually even more services will be provided and hopefully that will broaden the target user base and generate even more traffic.Questions:
1. What pitfalls do you guys see with each of these two approaches?
2. Any suggestions on how to host a website on the cheap (assuming I go the cheapo/organic route)?
3. What are the different ways people generate traffic for a website?
daily wish Trader Joes 6/28 6/29 6/30 --- $25 for spend $50 and others
Added on : Wednesday June 22nd 2011 12:01:16 AM
linkthis isn't that great and there is a good chance you get nothing ... but it looks like there is enough for everyone on the $5 for $55 ... yipee!this is the end of daily wish --- so give it a try if you willand remember if you bump this thread you reduce your chances
REIT firm Cohen & Steers - Completely missed Real Estate crash
Added on : Tuesday June 21st 2011 03:00:06 PM
I came across this .pdf article from mid 2007 by Martin Cohen of Cohen & Steers. I cannot believe how wrong this world renowned REIT management firm has been on their prediction of real estate market direction and strength. Ironically, the following statement had been made just months prior to sh_t hitting the fan in the markets: [On the chances of a pullback in the global real estate marketplace, Cohen is optimistic we won't see one soon. He said that two of three things need to happen: an economic recession, an oversupply of product and liquidity restraint. "I don't see any of these three on the horizon, although I watch the supply issue most closely," he said.]While this REIT management firm claims to have not seen any of the three issues on the horizon, all three issues managed to come to pass. How does a REIT management company fail to avoid or at least effectively plan for significant downturns in the ONLY sector they specialize in?
Free Sticker Offers - Email Requests
Added on : Thursday June 16th 2011 12:00:32 PM
Free Backseat Sandbar Sticker
Request a FREE Backseat Sandbar sticker. Just email backseatsandbar@gmail.com with your name and address
http://backseatsandbar.com/about-2/Free Foam Magazine Stickers
Want some of these rad stickers? Your wish is our command.
Email jgall@madavor.com with your NAME and MAILING ADDRESS and we'll send you some waterproof stickies
http://foammagazine.com/articles/653-free-foam-stickers
Free Chances End Sticker
Request FREE Chances End Stickers. Just email info@chancesend.com with your name and mailing address
http://www.chancesend.com/news/86/15/Want-free-stickers-Just-ask...
Suggestions on how to get the best returns on hard earned savings?
Added on : Wednesday June 15th 2011 12:00:06 PM
Dear FWers,
I would be greatful if I can get some suggestions regarding savings and investments. I have saved up about $100,000 and have currently kep it on a CD yielding 1.1%. I am in my early 30s and want to ensure a better return on my savings. I did try investing in random stocks but lost some money, so dont want to take chances on them. MAybe some better options such as Bonds,ETF, etc. What would be a better option to maximize the yield returns on the principal. Thanks for your suggestion in advance.
In case you missed the Money offer...these are the same titles as the one from Money but with a different offer code and different end date...From Kiplinger's magazine:Now enjoy brilliant college courses in your home or car!
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Course descriptions on the site.If you go to the link and scroll to the bottom of the page, you can also click Four Great Courses, One Amazingly Low Price and buy all 4 titles for $34.95 + $5 shipping. I don't think you need to be a brand new customer, but YMMV.
Medical Bill That SHOULD Be Covered by Insurance -- Pay It?
Added on : Saturday June 04th 2011 09:00:32 PM
Okay, short version of the story. My wife and I had twins last year. During this process we accrued a large amount of medical bills, but also met our out of pocket maximum -- everything beyond a certain date is to be covered at 100%. Two months ago we got a bill for $120 for some tests that were done AFTER the babies were born, but still during the same insurance year. This bill should have been covered at 100% and at no cost to us. We called and spoke with people at the hospital and they agreed that it was coded improperly causing the insurance to reject it and that it just needs to be recoded. However, no one seems to agree that their department should be the ones who need to recode it. No one returns calls, we don't live in the area any more, can't go down there, etc... Today I received a collections notice on it -- my wife has a lot to do during the day as do I, we really don't have time to call these people over and over again.1. At what point would you just pay the bill?2. If I clear this up immediately, what are the chances it shows up on my wife's credit report? Especially if I just pay the hospital directly with the old bill I still have?
Is it possible reduce 5/1 ARM rate?
Added on : Wednesday May 25th 2011 06:00:14 PM
I am now paying a fixed 5.0% (interest-only) for 5/1 ARM, which will begin "floating" in 1 year's time. With the current 5/1 ARM market rate at around 3-3.5%, what are the chances that I can approach the bank to reduce my rate to around market rate? What reasons can I use to entice the bank to drop my rate? I spoke with the bank's mortgage consultants over the phone on several occasions, but with no success. Their reason--my house is underwater and so no, cannot be re-financed. But I'm trying to negotiate for a lower rate, and this shouldn't be classified as a re-fi?Does anyone have any success in reducing the rate for interest-only loans?
Brother HL-2270DW Mono Laser Printer with Wireless / Wired Networking and Duplex Printing.This compact, monochrome laser printer includes built-in wireless and Ethernet network interfaces for small office or home office printer sharing. Offering a fast print speed and automatic duplex capability, you can print professional-looking two-sided documents and booklets with ease. In addition, its stylish, space-saving design fits virtually anywhere and complements any environment. Affordable to own and operate, the HL-2270DW uses a high-yield replacement toner cartridge.
Prints up to 27 ppm (mfr specs)
Network ready; wired and wireless 802.11b/g
Automatic Duplexing (two-sided printing)
Up to 2400 x 600-dpi resolution
250-sheet max paper capacity
Prints up to 8.5" x 14"
Monthly duty cycle of up to 10,000 pages
Approx. 8.5 seconds to print first page
Toner Save mode for less critical business documents
32MB RAM
7.2"H x 14.5"W x 14.2"D, 15.4 lbs.
1-Year mfr. limited warranty
USB cable sold separately
What's in the box?HL-2270DW Mono Laser Printer
(1) Starter Toner Cartridge (yields approx. 700 pages)
(1) DR420 Drum Unit (yields approx. 12,000 pages)
CD-ROM - Includes User's Manual and Printer Drivers
AC Power Cord, Quick Setup Guide
I bought this last month after much studying and love it. It is fast, works great on my home network and saves tons of paper with the duplex printing. It only comes with a starter toner cartridge but you can Google to find kits to change this into a full cartridge with new gears and counter and toner. Uses a Brother TN-420 high yield toner cartridge. Check your Snail Mail or E - mailbox for Staples $25 off $75 or $100 purchase if you do business with them or use eBay to buy one for around a buck to use with your purchase. Also use your Staples Reward card for credit plus get your FatWallet Cash Back too. 128 Staples reviewers give this printer a positive 4.3 star rating and a 4.7 star rating on Brother USA website. Link to Staples.com & this Brother Printer. See also UPDATE UPDATE at bottom for possible $55 delivered price through Price Matching.Please leave a post in this forum topic if you bought this item or like Brother printers so I can know if my new posts are helpful. Thank you.(PS: This is only my second Deal Posting to help and share with the community. Please be kind and give Green. Anything wrong or for suggestions please PM me instead of giving Red as I am still learning from those who have generously posted before me and I can correct or improve. Thanks and have a blessed Springtime. Hope you enjoy your Brother Laser Printer as much as I do mine.)
UPDATE: May 2nd Some have asked about toner for this printer. I don't have a need to purchase yet but have done some studying about the subject since OEM toner can be expensive. Here is what I found out on this printer; This is a fairly new series for Brother and the toner by outside sources is still pretty slim. Also the unit comes with a special "Starter" toner cartridge that has limitations on being refilled if that would be your intention. Some websites and posters suggest placing some black tape over the sensor window to get more copies out of the unit. DO NOT DO IT ! There is not enough time here to go into why but you will be messing with used / spent toner building up and shortening the life of your Drum Unit. Expensive mistake. I'd also suggest using Brother OEM toner for the first year while under warranty before taking chances with your Drum or Corona wire just to be safe. The toner is not that expensive & I would rather have Brother not question anything should you need a repair.This printer takes the Brother TN420 Standard Yield Toner (yields approx. 1,200 pages in accordance with ISO/IEC 19752 (Letter/A4).This printer also takes the Brother TN450 High Yield Toner (yields approx. 2,600 pages in accordance with ISO/IEC 19752 (Letter/A4) (A much better deal).Check pricing while on the Staples website or Google.The most reliable info on refilling I could find is from a company called InkOwl.com. You will find a refill kit and explanation and instructions on how to purchase special parts to be able to reset and refill the Starter cartridge. If you already own the Standard or High yield cartridge refills are cheap and easy. Around $20 for two high yield refills. If refilling the Starter cartridge you will need a flash gear kit they sell also. Here is the Link to the Two bottle refill kit, video on how to refill and the flash gear kit. InkOwl.com Link for refill kit.. Please keep in mind I have only done research into what I will do and have not purchased from InkOwl or done the refill procedure. Hope all this helps. Lasers are still the best printers for quality, speed and life long costs for B&W prints. 
UPDATE May 7th: A kind poster bettered my deal by getting Staples to Price Match B & H Photo at $79.95 delivered (ends 5/14/2011) or Newegg for $79.99 plus $2 shipping (ends 5/16/2011) and then used his $25 off coupon from Staples too. I would suggest since I did not do this --- "That your mileage may vary" by trying this way. Certainly more effort and some phone calls but if you do not mind maybe another $20 saved. I sure hope more get this deal for cheaper then I did ..... Laser printers are great and you are not buying $40 ink every month or two. ..... SPREAD THE LOVE!
UPDATE May 13th: Both bhphoto.com and Newegg.com have raised their prices to $89 as of 5/13/2011. You still can apply the discounts to get the printer for around $65. I think this is still a steal for a new laser printer with wireless and duplexing. I'll keep looking for better pricing and toner deals but wanted to get this posted since someone posted this deal is dead, WHICH IT IS NOT.
UPDATE May 22nd: Just an update as Staples has brought the price back down $50 to $99.99. So if you have or can get a $25 off Staples coupon you can pick this printer up for about $75 with free shipping and still be able to get your FW Cash Back.I'll keep looking for better pricing as it becomes available. Seems as though Brother is starting to get their dealers restocked on this hot printer.Hope you all get a good deal on this printer. Keep the green coming for the original deal (one more & we hit 25). Thanks to all contributing.
Peace!
.
Brother HL-2270DW Mono Laser Printer with Wireless / Wired Networking and Duplex Printing.This compact, monochrome laser printer includes built-in wireless and Ethernet network interfaces for small office or home office printer sharing. Offering a fast print speed and automatic duplex capability, you can print professional-looking two-sided documents and booklets with ease. In addition, its stylish, space-saving design fits virtually anywhere and complements any environment. Affordable to own and operate, the HL-2270DW uses a high-yield replacement toner cartridge.
Prints up to 27 ppm (mfr specs)
Network ready; wired and wireless 802.11b/g
Automatic Duplexing (two-sided printing)
Up to 2400 x 600-dpi resolution
250-sheet max paper capacity
Prints up to 8.5" x 14"
Monthly duty cycle of up to 10,000 pages
Approx. 8.5 seconds to print first page
Toner Save mode for less critical business documents
32MB RAM
7.2"H x 14.5"W x 14.2"D, 15.4 lbs.
1-Year mfr. limited warranty
USB cable sold separately
What's in the box?HL-2270DW Mono Laser Printer
(1) Starter Toner Cartridge (yields approx. 700 pages)
(1) DR420 Drum Unit (yields approx. 12,000 pages)
CD-ROM - Includes User's Manual and Printer Drivers
AC Power Cord, Quick Setup Guide
I bought this last month after much studying and love it. It is fast, works great on my home network and saves tons of paper with the duplex printing. It only comes with a starter toner cartridge but you can Google to find kits to change this into a full cartridge with new gears and counter and toner. Uses a Brother TN-420 high yield toner cartridge. Check your Snail Mail or E - mailbox for Staples $25 off $75 or $100 purchase if you do business with them or use eBay to buy one for around a buck to use with your purchase. Also use your Staples Reward card for credit plus get your FatWallet Cash Back too. 128 Staples reviewers give this printer a positive 4.3 star rating and a 4.7 star rating on Brother USA website. Link to Staples.com & this Brother Printer. See also UPDATE UPDATE at bottom for possible $55 delivered price through Price Matching.Please leave a post in this forum topic if you bought this item or like Brother printers so I can know if my new posts are helpful. Thank you.(PS: This is only my second Deal Posting to help and share with the community. Please be kind and give Green. Anything wrong or for suggestions please PM me instead of giving Red as I am still learning from those who have generously posted before me and I can correct or improve. Thanks and have a blessed Springtime. Hope you enjoy your Brother Laser Printer as much as I do mine.)
UPDATE: Some have asked about toner for this printer. I don't have a need to purchase yet but have done some studying about the subject since OEM toner can be expensive. Here is what I found out on this printer; This is a fairly new series for Brother and the toner by outside sources is still pretty slim. Also the unit comes with a special "Starter" toner cartridge that has limitations on being refilled if that would be your intention. Some websites and posters suggest placing some black tape over the sensor window to get more copies out of the unit. DO NOT DO IT ! There is not enough time here to go into why but you will be messing with used / spent toner building up and shortening the life of your Drum Unit. Expensive mistake. I'd also suggest using Brother OEM toner for the first year while under warranty before taking chances with your Drum or Corona wire just to be safe. The toner is not that expensive & I would rather have Brother not question anything should you need a repair.This printer takes the Brother TN420 Standard Yield Toner (yields approx. 1,200 pages in accordance with ISO/IEC 19752 (Letter/A4).This printer also takes the Brother TN450 High Yield Toner (yields approx. 2,600 pages in accordance with ISO/IEC 19752 (Letter/A4) (A much better deal).Check pricing while on the Staples website or Google.The most reliable info on refilling I could find is from a company called InkOwl.com. You will find a refill kit and explanation and instructions on how to purchase special parts to be able to reset and refill the Starter cartridge. If you already own the Standard or High yield cartridge refills are cheap and easy. Around $20 for two high yield refills. If refilling the Starter cartridge you will need a flash gear kit they sell also. Here is the Link to the Two bottle refill kit, video on how to refill and the flash gear kit. InkOwl.com Link for refill kit.. Please keep in mind I have only done research into what I will do and have not purchased from InkOwl or done the refill procedure. Hope all this helps. Lasers are still the best printers for quality, speed and life long costs for B&W prints. 
UPDATE UPDATE: A kind poster bettered my deal by getting Staples to Price Match B & H Photo at $79.95 delivered (ends 5/14/2011) or Newegg for $79.99 plus $2 shipping (ends 5/16/2011) and then used his $25 off coupon from Staples too. I would suggest since I did not do this --- "That your mileage may vary" by trying this way. Certainly more effort and some phone calls but if you do not mind maybe another $20 saved. I sure hope more get this deal for cheaper then I did ..... Laser printers are great and you are not buying $40 ink every month or two. ..... SPREAD THE LOVE!
UPDATE UPDATE UPDATE: Both bhphoto.com and Newegg.com have raised their prices to $89 as of 5/13/2011. You still can apply the discounts to get the printer for around $65. I think this is still a steal for a new laser printer with wireless and duplexing. I'll keep looking for better pricing and toner deals but wanted to get this posted since someone posted this deal is dead, WHICH IT IS NOT.Peace!
.
Nine West Flash Sale + FS - Ends tonight at 11:59PM ET
Added on : Wednesday May 18th 2011 03:02:47 AM
New West Last Chances 50-60% off flash sale + free shipping! Ends tonight at 11:59PM ETLink
ALDI SUPERMARKET - Now offers Double Guarantee on Store products
Added on : Friday May 13th 2011 12:00:42 AM
what's smarter than a double guarantee?
=======================================
Move through the aisles at ALDI, and youll discover our high quality select brands. Products made to our extremely demanding standards. Products designed and tested against the national brands to exceed them in taste, quality, and/or performance. In fact, for every national brand product you regularly buy, chances are theres an ALDI select brand thats even better.First-time shoppers tend to gingerly pick out three or four items to try. Cast that caution to the wind. Because at ALDI, every regularly-stocked food and household item is covered by our exclusive Double* Guarantee.Our word, word-for-word. Quality, taste and satisfaction are always DOUBLE* guaranteed at ALDI. If for any reason, you are not 100% satisfied with any product, we will gladly replace the product AND refund your money.*The Double Guarantee does not apply to non-food Special Buy items and alcohol.
Brother HL-2270DW Mono Laser Printer with Wireless / Wired Networking and Duplex Printing.This compact, monochrome laser printer includes built-in wireless and Ethernet network interfaces for small office or home office printer sharing. Offering a fast print speed and automatic duplex capability, you can print professional-looking two-sided documents and booklets with ease. In addition, its stylish, space-saving design fits virtually anywhere and complements any environment. Affordable to own and operate, the HL-2270DW uses a high-yield replacement toner cartridge.
Prints up to 27 ppm (mfr specs)
Network ready; wired and wireless 802.11b/g
Automatic Duplexing (two-sided printing)
Up to 2400 x 600-dpi resolution
250-sheet max paper capacity
Prints up to 8.5" x 14"
Monthly duty cycle of up to 10,000 pages
Approx. 8.5 seconds to print first page
Toner Save mode for less critical business documents
32MB RAM
7.2"H x 14.5"W x 14.2"D, 15.4 lbs.
1-Year mfr. limited warranty
USB cable sold separately
What's in the box?HL-2270DW Mono Laser Printer
(1) Starter Toner Cartridge (yields approx. 700 pages)
(1) DR420 Drum Unit (yields approx. 12,000 pages)
CD-ROM - Includes User's Manual and Printer Drivers
AC Power Cord, Quick Setup Guide
I bought this last month after much studying and love it. It is fast, works great on my home network and saves tons of paper with the duplex printing. It only comes with a starter toner cartridge but you can Google to find kits to change this into a full cartridge with new gears and counter and toner. Uses a Brother TN-420 high yield toner cartridge. Check your Snail Mail or E - mailbox for Staples $25 off $75 or $100 purchase if you do business with them or use eBay to buy one for around a buck to use with your purchase. Also use your Staples Reward card for credit plus get your FatWallet Cash Back too. 128 Staples reviewers give this printer a positive 4.3 star rating and a 4.7 star rating on Brother USA website. Link to Staples.com & this Brother Printer. See also UPDATE UPDATE at bottom for possible $55 delivered price through Price Matching.Please leave a post in this forum topic if you bought this item or like Brother printers so I can know if my new posts are helpful. Thank you.(PS: This is only my second Deal Posting to help and share with the community. Please be kind and give Green. Anything wrong or for suggestions please PM me instead of giving Red as I am still learning from those who have generously posted before me and I can correct or improve. Thanks and have a blessed Springtime. Hope you enjoy your Brother Laser Printer as much as I do mine.)
UPDATE: Some have asked about toner for this printer. I don't have a need to purchase yet but have done some studying about the subject since OEM toner can be expensive. Here is what I found out on this printer; This is a fairly new series for Brother and the toner by outside sources is still pretty slim. Also the unit comes with a special "Starter" toner cartridge that has limitations on being refilled if that would be your intention. Some websites and posters suggest placing some black tape over the sensor window to get more copies out of the unit. DO NOT DO IT ! There is not enough time here to go into why but you will be messing with used / spent toner building up and shortening the life of your Drum Unit. Expensive mistake. I'd also suggest using Brother OEM toner for the first year while under warranty before taking chances with your Drum or Corona wire just to be safe. The toner is not that expensive & I would rather have Brother not question anything should you need a repair.This printer takes the Brother TN420 Standard Yield Toner (yields approx. 1,200 pages in accordance with ISO/IEC 19752 (Letter/A4).This printer also takes the Brother TN450 High Yield Toner (yields approx. 2,600 pages in accordance with ISO/IEC 19752 (Letter/A4) (A much better deal).Check pricing while on the Staples website or Google.The most reliable info on refilling I could find is from a company called InkOwl.com. You will find a refill kit and explanation and instructions on how to purchase special parts to be able to reset and refill the Starter cartridge. If you already own the Standard or High yield cartridge refills are cheap and easy. Around $20 for two high yield refills. If refilling the Starter cartridge you will need a flash gear kit they sell also. Here is the Link to the Two bottle refill kit, video on how to refill and the flash gear kit. InkOwl.com Link for refill kit.. Please keep in mind I have only done research into what I will do and have not purchased from InkOwl or done the refill procedure. Hope all this helps. Lasers are still the best printers for quality, speed and life long costs for B&W prints. 
UPDATE UPDATE: A kind poster bettered my deal by getting Staples to Price Match B & H Photo at $79.95 delivered (ends 5/14/2011) or Newegg for $79.99 plus $2 shipping (ends 5/16/2011) and then used his $25 off coupon from Staples too. I would suggest since I did not do this --- "That your mileage may vary" by trying this way. Certainly more effort and some phone calls but if you do not mind maybe another $20 saved. I sure hope more get this deal for cheaper then I did ..... Laser printers are great and you are not buying $40 ink every month or two. ..... SPREAD THE LOVE!
.
Brother HL-2270DW Mono Laser Printer with Wireless / Wired Networking and Duplex Printing.This compact, monochrome laser printer includes built-in wireless and Ethernet network interfaces for small office or home office printer sharing. Offering a fast print speed and automatic duplex capability, you can print professional-looking two-sided documents and booklets with ease. In addition, its stylish, space-saving design fits virtually anywhere and complements any environment. Affordable to own and operate, the HL-2270DW uses a high-yield replacement toner cartridge.
Prints up to 27 ppm (mfr specs)
Network ready; wired and wireless 802.11b/g
Automatic Duplexing (two-sided printing)
Up to 2400 x 600-dpi resolution
250-sheet max paper capacity
Prints up to 8.5" x 14"
Monthly duty cycle of up to 10,000 pages
Approx. 8.5 seconds to print first page
Toner Save mode for less critical business documents
32MB RAM
7.2"H x 14.5"W x 14.2"D, 15.4 lbs.
1-Year mfr. limited warranty
USB cable sold separately
What's in the box?HL-2270DW Mono Laser Printer
(1) Starter Toner Cartridge (yields approx. 700 pages)
(1) DR420 Drum Unit (yields approx. 12,000 pages)
CD-ROM - Includes User's Manual and Printer Drivers
AC Power Cord, Quick Setup Guide
I bought this last month after much studying and love it. It is fast, works great on my home network and saves tons of paper with the duplex printing. It only comes with a starter toner cartridge but you can Google to find kits to change this into a full cartridge with new gears and counter and toner. Uses a Brother TN-420 high yield toner cartridge. Check your Snail Mail or E - mailbox for Staples $25 off $75 or $100 purchase if you do business with them or use eBay to buy one for around a buck to use with your purchase. Also use your Staples Reward card for credit plus get your FatWallet Cash Back too. 128 Staples reviewers give this printer a positive 4.3 star rating and a 4.7 star rating on Brother USA website. Link to Staples.com & this Brother Printer.Please leave a post in this forum topic if you bought this item or like Brother printers so I can know if my new posts are helpful. Thank you.(PS: This is only my second Deal Posting to help and share with the community. Please be kind and give Green. Anything wrong or for suggestions please PM me instead of giving Red as I am still learning from those who have generously posted before me and I can correct or improve. Thanks and have a blessed Springtime. Hope you enjoy your Brother Laser Printer as much as I do mine.)
UPDATE: Some have asked about toner for this printer. I don't have a need to purchase yet but have done some studying about the subject since OEM toner can be expensive. Here is what I found out on this printer; This is a fairly new series for Brother and the toner by outside sources is still pretty slim. Also the unit comes with a special "Starter" toner cartridge that has limitations on being refilled if that would be your intention. Some websites and posters suggest placing some black tape over the sensor window to get more copies out of the unit. DO NOT DO IT ! There is not enough time here to go into why but you will be messing with used / spent toner building up and shortening the life of your Drum Unit. Expensive mistake. I'd also suggest using Brother OEM toner for the first year while under warranty before taking chances with your Drum or Corona wire just to be safe. The toner is not that expensive & I would rather have Brother not question anything should you need a repair.This printer takes the Brother TN420 Standard Yield Toner (yields approx. 1,200 pages in accordance with ISO/IEC 19752 (Letter/A4).This printer also takes the Brother TN450 High Yield Toner (yields approx. 2,600 pages in accordance with ISO/IEC 19752 (Letter/A4) (A much better deal).Check pricing while on the Staples website or Google.The most reliable info on refilling I could find is from a company called InkOwl.com. You will find a refill kit and explanation and instructions on how to purchase special parts to be able to reset and refill the Starter cartridge. If you already own the Standard or High yield cartridge refills are cheap and easy. Around $20 for two high yield refills. If refilling the Starter cartridge you will need a flash gear kit they sell also. Here is the Link to the Two bottle refill kit, video on how to refill and the flash gear kit. InkOwl.com Link for refill kit.. Please keep in mind I have only done research into what I will do and have not purchased from InkOwl or done the refill procedure. Hope all this helps. Lasers are still the best printers for quality, speed and life long costs for B&W prints.
Gap Royal Treatment Promo Employee Discount YMMV 4/25-4/30
Added on : Tuesday April 26th 2011 08:42:30 AM
Gap is having a promotion for the Royal Wedding. Go in-store and scan the QR code on a flyer in the window. The QR code can be found in all Gap stores, from Babygap to Gapmen. Here is the trick and that enabled me to win: go to a store located within a mall, preferably a babygap. These stores don't receive much traffic on weekdays. I also scanned the QR code and received that stores specific URL.I emailed myself that URL and applied when I got home. I also sent to my friends and family to apply to increase my chances. You can apply once per a day. There is one winner per a store per a day.If you win you get 50% off for a year of reg. price and 10% off clearanceFacebook ad.
http://www.groupon.com/washington-dc/deals/mvp-bus $10 http://www.groupon.com/images/site_images/0895/2635/MVP-Bus-New-...
$10 for One-Way Bus Ticket from Washington D.C. to New York City ($20 Value) MVP Bus Online Deal
One-Way Bus Ticket from Washington D.C. to New York City ($20 Value) MVP Bus Online Deal
MVP Bus Online Deal $10 for One-Way Bus Ticket from Washington D.C. to New York City ($20 Value)
MVP Bus Online Deal One-Way Bus Ticket from Washington D.C. to New York City ($20 Value)
$10 for a One-Way Bus Ticket from Washington D.C. to New York City from MVP Bus ($20 Value)  The wheels on the bus go round and round, but hopefully the bus driver is taking a more direct route to your destination. Head straight for the Big Apple with today's Groupon: for $10, you get a ticket for a one-way bus ride from Washington D.C. to New York City from MVP Bus (a $20 value). An additional Groupon can be purchased for a one-way ticket from New York City to Washington D.C. to create roundtrip travel arrangements and lessen your chances of taking up residence as a professional Times Square street magician.
Security Deposit Deducted for Damages Not Done by Me
Added on : Saturday April 16th 2011 10:40:35 PM
My question involves a security deposit in the State of: New JerseyMy ex-landlord (a pretty big rental management corporation) in Jersey City is charging us dents on the fridge which was previously there when we moved in. Here's the situation:-Lease started Jan, 15, 2008. Moved in Jan 19, 2008, completed move in inspection with paperwork indicating the dents on the fridge
-Lease ends Feb 28th, 2011, Moved out Feb 26th, 2011
-Received our security deposit back, minus $1300 in damages (not itemized, just a paper saying it's $1300 in damage) end of March, 2011
-Try to get the itemized list for damages for 2 weeks from the landlord, no replies to emails or return of phone calls, finally got the list in email after sending a complaint email to the president of the managed company
-found out that dents and scratches to the fridge cost us $685 in repair cost which was there before we move-in
-Management company refused to return the $685 because they have no move-in inspection paper work on file, since we have lost our copy as well, there's no proof that we are or are not the ones who broke it
-we found a picture we took on Feb 2, 2008 (2 weeks after move in) clearly shows the dents on the fridgeSo the question is that should we go through small claims court to try to get the $685 back? what are our chances of winning the case?Any advice is appreciated!!
Youve got two chances to take advantage of this deal:Thanks to an offer on its Facebook page, you can buy one lasagne or spaghetti entree & get the same entree free at Spaghetti Warehouse http://www.facebook.com/photo.php?fbid=10150164923890982&set=a.1... Youve got a pair of options: One coupon is valid on Tuesday, April 19, and the other is valid on Sunday, April 24, 2011.Per the coupons tiny type, theres a limit of two coupons per table, and its not valid on the Lasagne Platter or Spaghetti Feast.
Netflix has begun to really target Anime releases for their streaming service. As a result, many physical Anime DVD boxes are dropping in price. If you have Netflix, check there first b/c chances are... if it just dropped in price by a lot at retail, it's probably streaming at NF. If you don't have NF or are just looking to score some limited editions, here is your chance!
Sacred Blacksmith: The Complete Series (Limited Edition) - $27.99 @ Amazon
# Format: Widescreen, Special Edition, Color, NTSC
# Language: English (Dolby Surround), Japanese (Stereo)
# Subtitles: English
# Region: Region 1 (U.S. and Canada only. Read more about DVD formats.)
# Aspect Ratio: 1.78:1
# Number of discs: 2
# Rated: NR (Not Rated)
# Studio: Funimation
# DVD Release Date: January 25, 2011
# Run Time: 300 minutes
# Average Customer Review: 3.7 out of 5 stars See all reviews (7 customer reviews)
Episode1-12 Previews (Japanese with English subtitles)Textless Opening Song Justice of LightTextless Closing Song Miracle Happy DayTrailers
Like Lina Inverse in Slayers, Cecily Campbell, the heroine of The Sacred Blacksmith, is a klutzy, loud-mouthed, red-haired knight who always comes through in the end. Unlike Lina, Cecily is built like a brick sushi bar, and most of the humor involves comments about the size of her chest. Isao Miura's series of light novels began appearing in manga form in March 2009; the anime version followed in October. The descendant of a noble clan of warriors, Cecily longs to follow in their footsteps, but her skills with a sword leave a lot to be desired. Her clumsiness earns her the scorn of Luke, a blacksmith who works with mysterious but cute assistant Lisa to forge powerful katana (Japanese long swords). His insults and her punches quickly turn into a typically fractious anime courtship. The convoluted plot teeters along unsteadily, like Cecily when she tries to wear high heels. The quarrelsome twosome has to cope with Demon Swords (some of which assume human form), demons, the malevolent god Valbanil, and a sinister cabal involving the emissary of a remote emperor. All ends happily, if inconclusively, with sequels likely to follow. Adolescent boys will delight in the mixture of chivalric daring-do and fan service shots. The special edition comes with a 32-page art booklet and pinup poster. (Rated TV MA; suitable for ages 16 and older: violence, violence against women, grotesque imagery, nudity, risqu humor) --Charles Solomon(1. Knight, 2. Devil's Contract, 3. Demon Sword, 4. Pledge, 5. Ties, 6. Princess, 7. Family, 8. Departures, 9. Remnants, 10. Victim of Love, 11. Truth, 12. Blacksmith)Product DescriptionCecily's a blushing knight in shining armor. Unfortunately, it seems most battles end with her as the damsel in distress. Her lack of skill and distaste for violence make her an unlikely heroine until the brooding blacksmith Luke comes to her aid, using his powerful magic to forge blades of supernatural strength. Cecily wields this sacred steel and charges forth to face a dangerous new threat; a cloaked fiend is unleashing demons upon the land, and though he lurks in shadows, the villain is much closer than Cecily can imagine.
Sacred Blacksmith: The Complete Series (Limited Edition) - $27.99 @ Amazon
Free Photo Prints of varying sizes AC + Free store pick-up
Added on : Tuesday April 05th 2011 01:46:15 PM
Searched in the forum and could not find this here. The credit completely goes to psychologist from SD.just do separate checkouts and they should work fine (free instore pickup)www.ritzpix.com (owned by Wolf Camera, so you can pick these up at any Wolf Camera or ritz camera store)NEW16P-16 free 4x6
TRY63B78- 2 free 8x10
RPNEW25- 25 free 4x6
free4x6- 10 free 4x6
TRY54K21- 4 free 5x7
TRY38U92- 20 free 4x6 Seems like these have been around for an year or so... but better hurry.. dont take chances..
Where to buy new uncirculated $2 bills
Added on : Thursday March 31st 2011 05:40:22 PM
I'm trying to buy a bundle of 100 bills of $2. When I checked with my bank they said there is no way to order them from them. All they said can do is if I happen to go to bank when the vault is open they will give me one if there is one in the vault. The chances of having one is rare they said. Does anyone of you have any idea where I can get them. I know eBay has some but don't want to pay a premium for some thing that is not a rare item to find. Thanks
Where to buy uncirculated $2 bills
Added on : Thursday March 31st 2011 03:40:48 PM
I'm trying to buy a bundle of 100 bills of $2. When I checked with my bank they said there is no way to order them from them. All they said can do is if I happen to go to bank when the vault is open they will give me one if there is one in the vault. The chances of having one is rare they said. Does anyone of you have any idea where I can get them. I know eBay has some but don't want to pay a premium for some thing that is not a rare item to find. Thanks
Start a business or buy a home?
Added on : Monday March 28th 2011 12:40:30 PM
After years of saving, my wife and I have managed to save a modest amount ($20K) and are now at a crossroads. My wife wants to start her own business after successfully helping run a similar business, a beauty salon. But on the other hand, we currently pay $1,600 in rent for our apartment (live in Southern California) and for that same price we can get a house in a nice neighborhood.Our question is, if we buy a house would it help or hurt our ability to start a business within 1 or 2 years? Or should we start the business and take our chances with interest rates and housing prices in future?
Chargeback for used car deposit
Added on : Monday March 28th 2011 03:40:07 AM
I recently purchased a used car from a major car dealership. Asked multiple questions about vehicle's condition in particular about coolant pipe issues that this particular car is known for.Salesman assured me vehicle was in perfect condition. I put down a credit card deposit on AMEX. Went to the dealership which was located two states away and paid the balance by bank check and picked up the car. Car looked good upon inspection and again I asked salesman whether there were problems with the car and whether it had been thoroughly checked by their mechanics. He again assurred me it was.On the way home the car smelled faintly of coolant. I immediately thought it could be this coolant pipe issue. I checked and did not see any visible leaks but promised myself once I returned home I would have the car inspected.The day I was going to take the car to get inspected, I arrived at my parking spot to see a small pool of coolant on the floor. I took the car to the mechanic and it was confirmed that the coolant pipes were cracked and had to be replaced. Technician assures me that there had been a leak for a while, certainly before I purchased the car.I contacted dealership and asked them how they would rectify the situation. They refused to do anything. It's a really unsavory situation where I am convinced they covered up the leak to try and sell the car off. They were particularly forceful with stamping no implied warranty marks on every paper during the sale to make me feel something was off or these people must get these kinds of situation alot.I am considering requesting a chargeback from my credit card company which is AMEX.I am not asking what other legal remedies I may or may not be entitled. I am well aware of these issues.I just want to know first has anyone actually requested a chargeback in this type of situation or similar (item has been delivered and is in buyers possession but defective or "goods not as advertised"? I did some exhaustive research online and found no such match.Also, if anyone can advise - what would be my best method of going forward? On the one hand, I never signed the credit card slip for the deposit - it was taken over the phone and charged. I could tell the credit card company that I never authorized the transaction. It appears this normally creates a more favorable chargeback scenario for the consumer.Or I could say the goods are not as advertised which would be the more accurate description I suppose, but the fact that I still have the vehicle - I wonder how that would affect my chances. The repairs by the way are going to cost approximately $3000 or the exact amount of my deposit. So in that respect, a successful chargeback and refund of my deposit would make me whole in terms of the situation.I am so angry and these shady dealers for trying to screw over customers and thinking they can get away with it. They screwed with the wrong person this time. Whether I have to write to BBB, Attorney General, every car dealer forum on the internet - whatever it takes I will get these guys back.
Micro USB Backup Battery Pack for Smart Phones, Cell Phones and Cameras (1900mAh) - BlackThe Micro USB backup battery is a perfect solution for re-charging your phone no matter where you are. Simply charge the battery 2-4 hours before your mission and carry it on to the depths of your travels. When your phone becomes low on its life supply, plug the backup battery into your USB port, get it charged and get extreme. With standby up to 320hrs, music up to 33hrs, video up to 11hrs and talk time up to 9hrs! It doesnt get any simpler to then charge-execute-success, with this 1900mAh Lithium-polymer backup battery.

Charging the battery is simple, there are two female ports for charging at the base so you can use the charger that came with your device or an alternate Mini USB charger if you have one lying around. (Do not use both charging ports simultaneously) When you need to charge your device, just plug the male Micro USB plug into your device.

Battery Type: Lithium-polymer battery
Dimension: 67x62x15mm (2.64x244x0.59 inch)
Capacity: 1900mAh
Input: DC5.0V, 500mA
Output: DC5.0v, 800mA
Charge time: around 2-4 hours
Weight: 58G (2.05OZ)

Note on compatibility:

Micro USB charging ports will soon become the standard interface found on most mobile devices. The European Union has spearheaded an initiative to have all cell phones in Europe standardized on the Micro USB port as the charging port for all cell phones.

Apple, Nokia, RIM, Huawei, LG, Motorola, NEC, Qualcomm, Samsung, Sony Ericsson, Alcatel, Texas Instruments and other have all signed on to the agreement. This plan is designed to allow customers to not need new chargers everytime they get a new phone. Some phones outside Europe may still have proprietary connectors, however, going forward, it is more likely that more and more phones will use the Micro USB port for charging. If your current phone uses a micro USB port for charging. Chances are, you can use this back up charger for your current phone as well as the next.

Some phones that currently use the Micro USB port are as follows:

Most Android OS based phones
Most Windows Phone 7 based phones
Most Newer Blackberry phones
Some bluetooth headset also us Micro USB for charging such as models from Samsung, Plantronics and Motorola

This device is not compatible with Motorola phones.
bought used car, paid no deposit, would like to back out
Added on : Monday March 21st 2011 05:40:12 PM
The title pretty much says it all. A good friend (really is a friend) of mine bought a used car in the state of Florida from a dealership yesterday and wants to back out. He paid no deposit, but did sign a purchase order.The car itself was less than 4k, but the dealer tacked on an additional $699 as a dealers fee, and amongst other things, the price of the car ballooned to $5500 after TTL.I realize that there is no cooling off period in Florida, and that the dealer can sue him for his assets. He is a student and has no assets to speak of. What are the chances of the dealer actually doing that? He wants to shop for a less expensive car, but don't want this to come back to haunt him down the road.Any insights would be appreciated.
Gambling methods that give the least loss (best odds)
Added on : Sunday March 13th 2011 07:40:10 PM
The best is to refrain, but for someone who wants to spend a little, is there a clear best method?I believe the lottery is one of the worst (though occasionally for a bigger jackpot it's slightly more reasonable), and certain casino games are so-so... what's better?I am curious about the methods that involve researching stats or other skills or knowledge, but mainly I'm wondering about methods that "almost anyone" can start quickly. So, nothing requiring card counting Obviously a skilled poker player can make money at poker, but for the rest of us?I read multiple times that betting on horse races is very good, if you learn some of the basics and have a big enough bankroll to buy enough combos. I'm guessing it's not quite as simple. Is there anything better?Asking because I realize that even the best method would probably lead to losing 100% of my money. However it's been a long time since I gambled at all, and I'd like to treat myself to some "miniscule" chances at winning a jackpot, if there's a way to have OK odds. I am fine with a "small" jackpot, but not wanting something really tiny like winning a $50 gift card at Bingo, LOL.Usual FWF deals like checking account signup bonuses can be left to other threads Edit: typo
4 Great Courses Titles at $9.95 each exp 4/26/2011
Added on : Monday March 07th 2011 03:41:29 PM
From Money magazine:Now enjoy brilliant college courses in your home or car!
What are the Chances? Probability Made Clear - Course No 1474: 12 lectures/30 mins each; DVD
Museum Masterpieces: The Louvre - Course No 7175: 12 lectures/30 mins each; DVD
My Favorite Universe - Course No 158: 12 lectures/30 mins each; DVD
A History of Hitler's Empire, 2nd Edition - Course No 805: 12 lectures/30 mins each; DVD or CD
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Course descriptions on the site.The ad says you can only purchase one DVD at this price. It might be possible, however, to hit the back button or re-visit the URL again to add more than one of the DVDs into one's cart before checking out - each for $9.95 and a total of $5 shipping.I'm not sure if it'll work on multiple copies of a single DVD or if you really have to be an actual first customer for them to send it to you. I wasn't but YMMV
Is it okay to delay hiring an attorney ?
Added on : Sunday March 06th 2011 08:40:06 PM
Need some help. I have done something very stupid a few days ago. My wife and I had a bad fight over some pictures, and things really went out of hand. Things deteriorated very quickly from having a verbal argument to hurting each other.We have had dispute/disagreements with each other multiple times in recent past, and police has been called over multiple times, but never before was there any violence. (police report states that we have had disputes multiple times in the past) This time things really went out of hand.The police was called and I was arrested for Domestic Violence, later my wife got me released from the jail and told the public defender that she does not intend to press charges and that she feels safe for me to be released and stay with me. I have no prior criminal history so they let me of the jail on signature bond.I have a court case coming up next week and need to decide if I need a lawyer to represent me, or would it be okay to go without a lawyer since my wife is not going to press any charges(even though the state might still decide to press charges).We are having financial situation in the family, my wife is out of job, and do not have a lot of resources handy. We have met many attorneys for FREE consultation and all of them have been suggesting to hire an attorney immediately, even though my wife is clear that she does not want to press charges. They have been asking in the range of $3K to $4k as a retainer.We are in Fulton County Court System in GA.Here is what we need guidance on1. What are the chances that the case will / will not get dismissed at the first hearing if my wife states she does not want to press charges ?2. If I go unrepresented and the State decides to press charges at the first hearing, Do I have a right to postpone the hearing and hire an attorney to represent me ? 3. This question is on behalf on my wife: Even though my wife has been subpoena via letter. She presonaly prefer to not change any statements she had given initially to the police, and does not want to press charges.
- Would it be better if she did not even go to the court ?
- OR Would it be better if she went to the court and ask for charges to be dropped ? The main reason for the question is one attorney had told us that my wife should not even go to the court because the judge \ public prosecutor could force my wife to press charges. She would be better of giving a notarized affidavit stating that she does not to press charges and does not want to testify.Thanks for your time and guidance.
Domestic Battery
Added on : Sunday March 06th 2011 02:40:34 PM
I got arrested for Domestic Violence. I have no prior criminal history. My wife is willing to drop the charges. There have been multiple instances when Police was called but no arrest or other legalities took place. The Police Report clearly states that there have been multiple domestic disputes involving my wife and I.
1. What are the chances that the case will get dismissed at the first hearing?
2. If I go unrepresented and the State decides to press charges at the first hearing, can I ask for a second court hearing and be excused for not having a lawyer at the first hearing?
3. My wife has been subpoenaed, but she was not served the subpoena personally. Does she still need to show up at the court? Is it better if she goes to the court and tells the judge she doesn't want to testify against me?
Lost wallet - what to do
Added on : Thursday March 03rd 2011 03:40:09 PM
DW lost her handbag last night during outing. No trace of it yet. Did inquire the facility manager where we lost, front desk and all possible surroundings. At this point chances are , it is not coming back.She has check book, multiple CCs, DL, couple of months paychecks, quite a bit of cash. God knows what else. We did call CC companies to put a hold on those cards. She did get her temporary DL.What other steps need to be taken as a precaution. I am not sure if there is a need to file a police complaint. She lost it in our neighboring state during our visit. If we have to file a complaint, do we have to go there and file it at the place of incident?
EastbayMen's Mitchell & Ness NFL Halftime Hoodie Jacket
was $149. clearance $99.99 Save $15 w/ code LKSOLOGY
Final price $92.98 including shipping ($7.99 )
Sells for $150 at NFLshop http://www.nflshop.com/search/index.jsp?kwCatId=&kw=half%20time%...
http://www.eastbay.com/catalog/advancedSearch.cfm?keyword=NFL+Ha...5 / 5 based on 1 review Available in: Patriots/ Giants/ Packers/ Steelers/ Cowboys/ Bears /EaglesThere will be no break in the action for you in the Mitchell & Ness Halftime Hoodie. This NFL team hoodie showcases your favorite team in style and extreme comfort. The Embroidered felt team logo puts it out there for all to see and flows well with the elbow patches and the Mitchell & Ness script embroidery on the right cuff. The center concealed zipper with button front placket creates a great look with options. Welt pockets give you storage while the full lining gives you comfort before, during and after the game. The tailored fit is contoured for a trimmer look in the sleeves and body. A distressed wash reduces the chances for fading and shrinkage. You love the game for the action, get more in the Mitchell & Ness Halftime Hoodie. 100% cotton fleece body. **6% Fat Wallet CashBack** http://www.fullofdeals.com/coupons-cash-back/Eastbay/
Free 40Watt CO2 laser giveaway contest from Full Spectrum Laser
Added on : Sunday February 27th 2011 09:40:18 PM
I was in the market for one of these cool toys and saw that Full Spectrum Laser was giving away a free 40w Laser Engraver on their site: www.fslaser.com/contestApparently all you do is hit the "like us" button and it enters you into their contest.I have one at school and these bad boys are awesome and cut through all sorts of useful things.Seems like a pretty low response (~40 likes right now) so chances seem quite good for clicking a single button!
How to "Buy" penny stocks!
Added on : Thursday February 10th 2011 04:40:08 PM
I am not sure, I understand how exactly an order is executed by brokers. For instance, consider I place Good Till Cancel" order for buy say stock XYZ and say I am using TD Ameritrade. My understanding on how it works is as follows
1. My order will be placed at the end of queue, behind all existing TD orders and behind other broker orders. Any new orders at the same purchase price or lower will be added at the end of queue
2. If someone else places another order at a higher purchase price, all TD orders at lower prices will be "put on hold", the new order is placed ahead in queue. Once the higher price order is executed, the lower bids are "re-entered" into the queue. In other words, my order could have been ahead of all orders (with respect to other brokers), but because the higher bid order, mine is now placed at the end!?
3. It seems that, even though mine is a GTC order, it is pulled out of the queue when market closes and is re-entered when market reopens. Thus, again my order is losing its place in the queue. (MM orders do not seem to be executed in this way)Is my understanding correct on how the orders are executed. Kindly correct me!If the above is true, are there some strategies in getting an order executed faster. For instance, use a less popular broker, so that chances of somebody else placing a higher bid order are lesser! But, there seem to be some disadvantages to this!TIA
Apple iPad Wi-Fi + 3G all models $30 off at Best Buy and Walmart
Added on : Sunday February 06th 2011 02:40:53 AM
For those who want to buy brand new from a reputable retailer and not take any chances through auction sites or smaller stores.Best Buy LinkWalmart LinkYes, we all know iPad 2 is coming out soon. No need to mention it.
Sorry for how late this post is, but I had to make sure it would work before I posted. You have to use the 50% off coupon given in this thread and it expires today when your local store closes. Probably too late for most east coasters to take advantage. Thanks to atohmc in this thread for the idea of getting the online price in store.1. Call your local B&N stores and make sure they DO NOT have Inception Blu-ray in stock. Most B&N don't have a big Blu-ray selection, so your chances are good.
2. Print out your guaranteed 50% off coupon here.
3. Drive to your chosen B&N store and go right to customer service. Tell them you want to order Inception Blu-ray since they don't have it in stock. (They may also do this if they do have it in stock, but they might give you trouble.)
4. They'll print you out a form with the online price $21.59 and $2.98 shipping.
5. Take this to checkout where you will scan your card and get the $2.98 shipping taken off if you're a member. They'll then scan the coupon. Try to act surprised that you got 50% off.
6. Wait for Blu-ray to arrive.Members - $21.59 x 50% = $10.79 + tax + FS = $10.79 + tax
Non-members - $21.59 x 50% = $10.79 + $2.98 shipping + tax = $13.77 + tax
Is online defensive driver course worth taking ?
Added on : Saturday January 29th 2011 09:40:03 PM
Need help in the form of previous experiences. I recently was involved in an accident, I was at fault and rear ended another car. I had the collision coverage and the total repair cost came up to $3300 with deductible ($500). My insurance will be up for renewal Jun'11, what are the chances that my premium will go up (I assume it will definitely go up).Will taking a online defensive driver course of any help in getting my insurance lowered ? Have anybody had experience with this. Thanks in advance for any help.
Bank of China acct: invest in yuan
Added on : Friday January 14th 2011 01:40:06 PM
from: http://online.wsj.com/article/SB10001424052748704307404576080222...Do You Need a Chinese Bank Account?Bank of China here in the U.S. has started allowing American customers to open an account and to invest up to $4,000 per dayand a total of $20,000 a yearin Chinese yuan, or renminbi. Until now, you had few options to hold money in yuan, which is a "closed" currency managed, and protected, by Beijing.The bank has three U.S. branchestwo in New York, and one in Los Angeles. You'll have to fill out paperwork to open an account and provide two forms of ID. And there's a minimum deposit of $500.Why? Five reasons.* It's very unlikely to go down.* It's very likely to go up.* You won't miss out on a lot of interest elsewhere, as nowhere else is paying a lot of interest.* It will diversify your portfolio.* And, finally, it may offer you and your family something of a hedge against the decline of the U.S. economy.Let's take these in order. First, it's very unlikely to go down. Of how many investments can you say that? The yuan has very little room to fall farther because it is already seriously undervalued. Beijing has spent hundreds of billions of dollars keeping the currency artificially cheap for years to boost exports.What's the discount? Nobody really knows for sure. But right now each yuan costs about 15.1 cents. Most economists say fair value is somewhere north of 18 centsand maybe a long way north. According to the International Monetary Fund, the value of the yuan in real, purchasing-power terms is about 27 cents.Whatever the details, one thing is clear: Anyone buying yuan today is getting a pretty decent margin of safety. As a kicker, the Bank of China U.S. accounts also come with FDIC deposit insurance, which will protect your deposit from outright forfeit if the bank were to fold (though not from exchange-rate fluctuations). Second, it's very likely to go up. Why? China is growing rapidly, is a manufacturing powerhouse and is running an enormous trade surplus. Countries like that usually have very strong currencies. Think of the Japanese yen, or the old German Deutsche mark.And these days, a rising yuan may be in Beijing's interest. China no longer has the same need for such an artificially cheap currency. After all, the plan worked: It has now taken over a vast amount of manufacturing from the U.S. And it's moved up from making socks and toys to iPads and, now, stealth bombers. (You could argue the main thing the U.S. got in return was a housing bubble caused by artificially low interest rates.) Based on purchasing-power parities, the Chinese economy is now expected to overtake that of the U.S. within six or seven years.Meanwhile, China's artificially low exchange rate is starting to backfire at home. Politically, the country is under international pressure to rein in its huge trade surplus. That is sure to be an issue when Chinese President Hu Jintao comes to Washington next week. But, more importantly in Beijing, the low exchange rate is also backfiring economically by fueling inflation. This is pouring gasoline on a Chinese economy that is already overheating.Beijing is trying to tamp down the fires. Letting the exchange rate rise more quickly will help. It ought to happen, so it's reasonable to guess it probably will. In the past five years, China has already allowed its currency to rise 25%. It may have plenty more room to go. The third reason for holding some money in yuan: What else are you going to do with it? Interest rates elsewhere are minimal, so you won't be missing out on much. According to Bankrate.com, the highest-yielding six-month certificate of deposit pays just 1.3%, before taxes. The dividend yield on the stock market is 1.7%. You can earn better yields from government bondsthe 10-year Treasury is paying 3.3%but that's also subject to federal taxes, and you can put yourself at risk from inflation.In these circumstances, the so-called opportunity cost of having some of your money in Chinese currency, at least for now, has rarely been lower. The fourth argument for a yuan account: It makes you more diversified. That's the holy grail of investing. The yuan-dollar exchange rate probably has little, if any, correlation to any other asset in your portfolio. (As a bet against the dollar, it might have some correlation to gold.) The exchange rate between the renminbi and the dollar will follow its own path. This is unlikely to be dictated much, if at all, by developments in stocks or even bonds. The fifth and final argument for holding Chinese currency: It may help you offset the costs of U.S. economic decline.Our share of the world economy, which was 24% a decade ago, is this year expected to sink below 20%the lowest figure in modern times. We are running a current account deficit of 3.5% of gross domestic product. Our national debt has nearly tripled in a decade, and deficits stretch out as far as the eye can see. Will the greenback survive as the world's reserve currency? Why should it? The British pound didn't.What makes the issue of decline particularly acute for you and me in financial terms is that we work here. Our financial lives are closely tied to the U.S. economy. Consider: If we still had the 5.5 million manufacturing jobs we lost in the last decade, mostly to China, our unemployment rate today would be far lower.While trade can benefit both sides, of course it doesn't always do so. It may make sense to make bets within your portfolio that will pay off as China overtakes the U.S.compensating you, as it were, for the lost opportunities.What are the risks of opening a yuan account? The principal one is probably the missed opportunity of doing something else with the money. There is still no guarantee the yuan will rise by much any time soon, so you could be sitting on dead money for a long time. And in theory China could always suspend convertibility back into dollars, though the chances of that must be minimal.As ever, you need to do your own homework and understand what you're getting into. Chinese bank accounts, like Peking duck, aren't for everybody. But they're not crazy.
Tax Levy and Credit Score
Added on : Monday January 10th 2011 05:40:06 PM
I had a really bad start to my 2011. Today morning when I checked my bank statement I saw a $350 charge for NY State tax. But I live in CA now. I used to live in NY from 2002-2005. When I called the NY state tax people they said its a bill they generated in Jan 2009 for a mistake I made in filing my taxes for 2005. They have been sending mails to me since 2009 to get the money but since I moved many times in California I never saw even one of those mails. Finally it went to collections in May 2010 and in November 2010 they found my correct address. But they still did not send a mail to the correct address. They waited for 2 months and then just withdrew the money from my bank account.I have no issues with paying the money even though I am paying 120$ of interest on 230$ but I don't want it to show up on my credit report. Its not showing up as of today. What are the chances it will show up in future ? What can I do to protest it since I genuinely did not know about this tax liability till today ?Any help is appreciated.
Thanks.
10% off Hotels.com Coupon OR Better with Facebook "Like"
Added on : Saturday January 08th 2011 12:40:35 AM
Like "Hotels.com" on Facebook and get a 10% off coupon at minimum. A few lucky people will get loyalty credits (worth $150) or a flip camcorder. 10% off coupons are capped at 6,200 participants, so act fast if you want one - YMMV....Coupon expires March 1, 2011.Hotels.com said:
Gift Details:
We are giving away a coupon to every person that likes the Hotels.com fan page. Its as simple as that. Just click OPEN YOUR GIFT to enter your information and you could receive a coupon good for a free night, bonus welcomerewards credit, booking discount or booking incentive. Grab a code while supplies last! Click the Terms & Conditions link for more information on the coupons we are giving away. Eligibility Only persons residing in United States who are at least 18 years of age can enter. Facebook Gifts Promotion Official Rules: No Purchase Necessary. A Purchase will not Increase Your Chances of Winning.

1. Eligibility:
The Promotion is open only to legal US residents who are eighteen (18) or older. Employees of Hotels.com, L.P., Expedia, Inc., or other companies associated with the Promotion, as well as the immediate family (spouse, parents, siblings, and children) and household members of each such employee are not eligible.

2. Sponsor:
The Promotion is sponsored by Hotels.com, L.P., 10440 North Central Expressway, Suite 400, Dallas, TX 75231 (Sponsor). The Promotion is not sponsored, endorsed, administered by, or associated with Facebook
3. Agreement to Official Rules: By entering the Promotion, you indicate your full and unconditional agreement to, and acceptance of, (a) these Official Rules and (b) Sponsors decisions, which are final and binding. Winning a prize is contingent upon fulfilling all requirements set forth herein.

4. Timing:
The Promotion beings at 12:01am CST on December 31, 2010 and ends at 11:59pm CST on January 31, 2011, or when there are no more prizes available, whichever occurs first. Entries submitted before or after the Entry Period will not be eligible. Sponsors computer is the official time-keeping device for the Sweepstakes.

5. How to Play:
Visit the Hotels.com US Facebook Page, Like the page, and you will have the opportunity to opt in to receive a random prize. When you play, you will randomly win one of the prizes set forth below. There is a limit of one (1) play per person.

6. Prizes:
Following is a list of prizes available at the start of the Promotion, and the odds of winning at the start of the Promotion: (a) Sixty-two hundred (6,200) participants will each receive a 10% discount on an eligible booking on Hotels.com valid until March 1, 2011 (Odds 1:1.1). (b) Twenty (20) participants will each receive ten (10) welcomerewards bonus loyalty credits good for one (1) free night (Odds 1:327). The credits are worth $150.00 each. Thirteen (13) participants will each receive a Flip Ultra camcorder, with an approximate retail value of $150 (Odds 1:503). (d) Three hundred (300) participants will each receive a welcomerewards credit to be added to their Hotels.com welcomerewards account (Odds 1:22). The value of the credits will not impact the average daily rate in determining the value of any free night. General Terms: A potential winner may be required to complete an affidavit of eligibility and liability/publicity release in order to receive a prize. To use welcomerewards credits, you must become a welcomerewards member by February 15, 2011, if you are not a member already. Membership is free. Allow 4-6 weeks for credits to be added to your account. See the welcomerewards Terms & Conditions regarding redemption of loyalty credits. Sponsor, in its sole discretion, shall determine whether winners are eligible to receive bonus loyalty credits and reserves the right to subtract all bonus loyalty credits if welcomerewards accounts are combined or merged. A winner is responsible for paying any applicable income taxes and any and all other costs and expenses not listed as being part of the prize. Any prize details not specified will be determined by Sponsor in its sole discretion. A prize may not be transferred and must be accepted as awarded. You may not request cash or a substitute prize; however, Sponsor reserves the right to substitute a prize with another prize of equal or greater value if the prize is not available for any reason, as determined by Sponsor in its sole discretion.

7. General Conditions:
In the event that the operation, security, or administration of the Promotion is impaired in any way for any reason, Sponsor may, in its sole discretion, either: (a) suspend the Promotion to address the impairment and then resume the Promotion in a manner that best conforms to the spirit of these Official Rules; or (b) award any prizes that could not be awarded because of the impairment in a random drawing. No more than the intended number of prizes described herein will be awarded. If, for any reason, Sponsor receives more valid prize claims than there are prizes available, Sponsor will award the intended number of prizes through a random drawing from among all outstanding valid prize claims. If for any reason an entrants Promotion play was corrupted, the entrants sole remedy is another Promotion play. Sponsor reserves the right in its sole discretion to disqualify any individual it finds to be tampering with the operation of the Promotion or to be acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Any attempt by any person to undermine the legitimate operation of the Promotion may be a violation of criminal and civil law, and, should such an attempt be made, Sponsor reserves the right to seek damages from any such person to the fullest extent permitted by law. Failure by Sponsor to enforce any term of these Official Rules shall not constitute a waiver of that provision. Proof of sending any communication to Sponsor shall not be deemed proof of receipt of that communication by Sponsor. The Promotion is subject to federal, state, and local laws and regulations and is void where prohibited.

8. Release and Limitations of Liability:
By participating in the Promotion, you agree to release and hold harmless Sponsor, Expedia, Inc., Facebook, their respective parent, subsidiaries, affiliates, and each of their respective officers, directors, employees, and agents (the Released Parties) from and against any claim or cause of action arising out of participation in the Promotion or receipt or use of any prize, including, but not limited to: (a) unauthorized human intervention in the Promotion; (b) technical, programming, or seeding errors; printing errors; (d) lost, late, postage-due, misdirected, or undeliverable mail; (e) errors in the administration of the Promotion or the processing of entries; or (f) injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrants participation in the Promotion or receipt or use of any prize. You further agree that in any cause of action, the Released Parties liability will be limited to the cost of entering and participating in the Promotion, and in no event shall the Released Parties be liable for attorneys fees. You waive the right to claim any damages whatsoever, including, but not limited to, punitive, consequential, direct, or indirect damages.

9. Publicity:
Except where prohibited, participation in the Promotion constitutes your consent to Sponsors use of your name, likeness, voice, opinions, biographical information, and state of residence for promotional purposes in any media without further payment or consideration.

10. Disputes:
Except where prohibited, you agree that any and all disputes, claims and causes of action arising out of, or connected with, the Promotion or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the State of Texas. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, your rights and obligations, or the rights and obligations of Sponsor in connection with the Promotion, shall be governed by, and construed in accordance with, the laws of the State of Texas, without giving effect to any choice of law or conflict of law rules (whether of the State of Texas or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Texas.

11. Results:
To request a list of winners, send a self-addressed, stamped envelope to Hotels.com Gifts Winners List, Fanscape, La Cienega Drive, 3rd Floor, Los Angeles, CA 90048. Requests must be received by February 1, 2010.
How to Pay for college, reduce Taxes and increase Financial Aid!
Added on : Wednesday January 05th 2011 09:40:03 AM
Fellow Fat-walleteers, I need help deciding how best to Pay for college, reduce Taxes and increase Financial Aid chances! I become more frustrated by our tax codes and the complexities of College Financing options by the minute!!!! Here's my situation in a nutshell:I am married and we have 4 children ages 13, 15, 17, 18. The oldest is a freshman at a private 4 year college. Cost is @ 22K/year. They are receiving @ 6K in scholarships from the college. We received NO State financial aid this year and the college accepts NO Federal Student Aid (PELL or LOANS). We own our own home which is valued at 230K with @ 80K equity. I contribute 6% of my salary to my 401K at work and then to a ROTH/Trad. IRA as money permits. 2009 AGI was @ 69K.I am in the process of deciding how to pay for the next semester. I want to try and maximize our PA State Financial Aid while lowering the amount of taxes we pay and increasing the value of the savings we do have.Available funding for all kids at this point:
1.529: @ 42K total (@ 30K in interest). 17K in daughters name (dont think that matters)
2.Coverdell ESA: @ 17K. I transferred my oldest daughters ESA to her 529 last year since I read that it would be considered my asset in the 529 as opposed to my daughters in the ESA
3.Savings Bonds: 36K only 3K eligible for Education Expense Tax free interest. I just redeemed the only one that matured in 2009 for a total of $4,300 ($3600 in interest). I read that we could save some tax by cashing in the bonds that are in the childrens names before they turn 18?Total: @ 100K, but Bonds are also our emergency fund (and to be invested for retirement).Funding for my current student:
1.Colleges Loan via a large national bank in the region: 2.5% with a co-signer or 3.5% without co-signer. No deferred payments.
2.Worked last summer and is working on breaks. Hopefully will get a job on campus next year.My questions are:
1.What order should I use these bonds/529/Coverdell ESA to pay for college?
a.Im getting stuck on whether it would be best to spend all of the 529/ESA money first so that my assets are lower and thus theyd qualify for more student financial aid.
b.Would it be best to use the bond money or a Student loan and allow the 529/ESA/Bond monies more time to grow?
c.Would it be better to spend down the current 529/ESA accounts and wait to use the Savings Bonds if necessary?
2.What are the best strategies to lower our EFC to increase chances for Financial Aid using the FAFSA for PHEAA and Institutional Method for college?
a.I read an article about (and have some friends that did this) taking out a Home Equity Loan and putting it into an Annuity to move includable assets into a non-includable asset. (Does this apply to Institutional method only?)
3. What should I do with this Savings Bond money I just cashed? 529 (Could put into a Money Market fund and use to pay this next semester with to get a PA Tax deduction, IRA, liquid?)Thanks for taking the time to read this and for any and all help!!!!
Free Leica Geosystems T-Shirt - Company Name Required
Added on : Tuesday January 04th 2011 08:40:17 PM
TextFill in the form below to get a FREE Leica Geosystems T-Shirt. Wear it to our booth and you TRIPLE YOUR CHANCES TO WIN this exclusive hunting trip with Ted Nugent.
stroller: bob revolution $330 @ amazon
Added on : Thursday December 30th 2010 02:40:27 PM
If you're a parent of small children then chances are you know about the bob. It's a jogging stroller so it is very easy to push, has real tires, and handles well. They're also very expensive. Amazon is currently selling the Bob revolution for $330.
linky
Career Thoughts and Compensation Thread 2010
Added on : Tuesday December 28th 2010 12:40:04 PM
Greetings and Happy Holidays to All! It's time to start the 2010 Career Thoughts and Compensation Thread. I started doing these threads annually on the FW Finance board in 2006. When I originally started this thread four years ago, I thought it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. I have always found these threads particularly informative and interesting.I thought last year's thread was probably the best of all of them. Lots of people contributed information about their careers, and the thread remained active until May. The 2008 thread was a bit of a disappointment, but things got better last year, so let's try it again!Now gang, here's a reminder of the rules, which 99.9% of you have been great at following over the past four years:If you participate, please try to keep this a positive, informative thread, and let's not get into any arguments about how one's career/education/compensation makes him/her superior/inferior to other people. Contribute as much or as little information as you're comfortable sharing, but please be honest so that this may serve as a truly informative thread for people mulling their career options.So, now that the ground rules have been set, how did your job go this year? Did things go well or not so well? How well were you compensated for 2010? Did the poor economy have a serious effect on your career? Maybe each person can give a brief description of themselves, their job, their education levels, and their salaries, present and maybe even projected salaries for the future. As always, since I'm starting the thread, I have to bite first:
Gender: MaleAge: 38Location: Northern NJOccupation: Urban Educator (My fancy title for a teacher in a city of low socioeconomic standing)Education: M.A., plus 33 additional credits2010 Salary: $90,000 (Base Pay + Retro Pay from a newly settled contract + a little extra money from some after school work and a few other extra things.) Base pay for the 2010-2011 school year, without extra money, is just about $88,000. Future Salary Projection: This is a tricky one this year. There is a strong possibility that my salary (and the salaries of many other teachers) will be frozen for at least the next year. If salaries are not frozen, my salary should be in the $95,000 ballpark for the 2011 calendar year, and in the $100,000 range for the 2011-2012 school year. (More on why our salaries may be frozen later in the thread.)Benefits: Full medical, modest dental, generous sick and personal time, a decent pension plan (for now, more on that later), tremendous job security once you achieve tenure (but virtually none before that, and even with tenure, you can still have the daylights menaced out of you. Also keep in mind that not all states offer tenure, in which case you can pretty much be fired at will no matter how much time you have in a particular district.) In almost all districts in NJ, you can accumulate sick time from year to year. This is a tremendous benefit, as I found out two years ago, and again just a few weeks ago when I suffered two major long-term illnesses. It was nice not having to worry about getting paid during my absences. What's the job like?Very difficult and getting more difficult bu the year. Tremendously long hours, almost no down time during the school day (I don't take lunch very often),lots of work at home, deplorable working conditions, with some classrooms reaching temperatures of 90+ degrees and others below freezing. Prepare to adopt some small scurrying pets who have made your classroom their home in older buildings in urban districts. You will also most likely need to spend a decent amount of money on supplies for students because your school won't provide them, even though they insist on your using them. Very little respect and support from most supervisors, parents, and students. I do it for the good kids and because I love teaching. Massive budget cuts have made the job even more difficult. Many teachers (myself included) are now finding themselves doing two jobs for the price of one due to massive retirements and staffing cuts. Would you recommend the career to others?Every year, it's become harder and harder for me to recommend teaching as a career. If you get a job in a district that treats you with some respect, is on solid financial footing (along with your corresponding state), and pays you a salary that ensures you won't be eating cans of tuna for the rest of your life, then I can recommend teaching as a career.However, things here in NJ have gotten real rough over the past year. Our governor has pretty much made it his mission to make things much rougher for teachers, and has publicly vilified us on many occasions. He reduced state aid for all districts, resulting in massive layoffs. He wants to drastically alter our pension system, and there is a lot of fear that he is going to try to significantly reduce pension benefits for all public employees. This resulted in massive retirements of veteran teachers. He put tremendous pressure on teachers at the end of the last school year to accept salary freezes, even in districts that had valid contracts, and he is likely to increase the pressure this year. He wants to eliminate tenure, and while total elimination is unlikely, it's likely going to be made much tougher to get and to retain. He wants to institute merit pay, basing teacher salaries on their students' performance on standardized tests. This, of course, is infuriating many teachers, but especially those in urban districts like mine, where teachers sometimes get kids who have never attended school a day in their life show up to begin their educational careers on the day the standardized test starts. How is the kid going to pass the test if he doesn't even know his alphabet, let alone how to read? How is this kid going to compare to the kid in the affluent district who has a private tutor?Then of course, you have to deal with all of the discipline problems, especially . What do you do when a kid curses you out, flips a desk over, smacks another kid in the head without provocation, and runs out of your class? You could tell your building administrators, but chances are they will not impose serious consequences on the student. They don't want to make the school look bad or deal with angry parents. Then, if you have administrators who are unsupportive, they may ask you, What did you do to make the kid curse you out, flip over a desk, and smack another student in the head? Then they'll tell you to better motivate your students to learn. When you ask how, they won't tell you. (Yes, this stuff actually happens.) There are great moments, however. There are a lot of great kids in all districts who will give you their all every day. This is what keeps me going in my district. I know that I'm helping these kids to have the best future possible, even though they often face difficult circumstances.Teaching is not an easy job, especially in an urban district. If you think that you will be able to face the challenges that await you, then go for it! Just be aware that it's going to be a bumpy ride.
LINKProduct Features
BitDefender Total Security 2011 provides comprehensive, proactive protection, system maintenance and backup, all without slowing down your PC.
Eliminate the chances your data and conversations are leaked to others over email, Facebook, IM, or websites that track your online activities.
Establish a two-way firewall with just a few clicks, to continuously monitor your Internet connections and prevent unauthorized access?even over a Wi-Fi network.
With parental controls you'll receive reports, by browser, email, or cell phone, on recent online activity for each child's computer in your home network.
Optimize your system by identifying the applications that slow you down. Then, using Tune Up make the recommended corrective actions to improve the speed of your PC.
Free Blue Man Group Tickets in Las Vegas (Sweepstakes)
Added on : Thursday December 23rd 2010 06:40:23 AM
Got an email from smartervegas that they are giving away 3 pairs of Blue Man Group tickets for any date in 2011. Doesn't look like many people are have taken action so far so chances of winning are pretty good for anyone interested... The sweepstakes ends December 25th, 2010.If anyone is interested here is the information...Information: http://www.smartervegas.com/sweepstakes/bmg-free-tix.aspxFacebook page: http://www.facebook.com/smartervegas (you are suppose to like it or post on it to get into the raffle... bla bla read the link above for instructions)There is also 40% off discount (code SMARTER40): http://www.smartervegas.com/shows/blue_man_group/ticketsdiscounts.aspx
0 Posted By: FatWallette
Views: 138 Replies: 0



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Scammed, please advise
Added on : Saturday December 11th 2010 01:40:03 AM
First of all I know there was a similar post about a week ago about getting scammed but my situation is a little different. Second, I know...I'm a huge idiot and I can't believe I fell for this! (In other words, I know I did something so incredibly stupid so please save your remarks! =P)Here's what happened - I signed up for a deal service, one of the services that offers you special deals, coupons, and stuff like that for a monthly membership charge. The only reason I signed up was because they pulled a free 30 day trial on me...pay this now and you can get all the benefits and then you can cancel and get your money back! So, I did it, the weird thing is is that I got everything that their website offers. For example I got a $25 restaurants.com gift card and I'm pretty sure their not a scam. Anyways, so they charged my account, two days later I called them back and cancelled and got my cancellation number. They informed me to keep my cancellation number just in case and that I would see the refund in my account in about 2 weeks. That was all about a week ago...but today I got on to see if I had enough money to pay my phone bill and surprise my account balance was a big fat $0.00. Sure enough I saw a charge on there from the same company for $79.97 which unfortunately over withdrew my account since I'm a poor college student =/. First, I called the company back and I got a recording saying that they were sorry to see me go, and they gave the SAME cancellation number I got before. Weird how they just know exactly who I am and what cancellation number I had. As soon as I heard that I was 100% positive I just got scammed. =( After that phone call I immediately called my bank to see what I could do there and was told that there was nothing I can do at this point because the charge is still pending. They said I'll have to call back once it posts and file a dispute. Here are my main concerns:1: I used my debit card rather than my credit card and I'm aware that there usually isn't as much protection when it comes to these things.
2: I did give them my card number and authorize the first charge. Here are my questions:1: What are the chances that I actually win this dispute?
2: Are there any other actions I should be taking to get this money back. (I realize $80 is chump change to a lot but it's a decent loss for me especially with Christmas coming up!The website is http://www.profinity.com/ , their phone number is 1-866-982-9708I would greatly appreciate any advice! Thank you in advance!!!!
Calumet Photo has the Nikon D90 with 18-105mm Lens for $829.99 with Free Shipping.
The kit is on back order but an order can be placed with Calumet Photo online.Add kit to cart, price drops to $879.95
Enter discount code, holidaysale for $50 off, price drops to $829.99
Put your zip code, choose standard shipping, it's free
Total $829.99 shipped.
But you got to wait until kit comes back in stock, and that's a BIG unknown (maybe a couple to a few weeks).
Chances can be taken though....Here is the link:D90 with 18-105mm LensSearch for D90 and you'll see the kit.Also don't forget the FW CashBack 4.5%.
That will bring the price down to $792.60.
Blackjack for Kindle FREE
Added on : Wednesday December 08th 2010 02:40:20 AM
http://www.amazon.com/dp/B004DWLGGSBlackjack - one of the most popular casino card games of all time is now available on Kindle.The Kindle version features all of the most common aspects of the game including splits, double down, surrender and insurance, as well as multiple options for customization that allow you to play the style of Blackjack that you want to play. For example, you can configure the game to match specific structures like 'Dealer must hit soft 17' - a common rule variation in many Las Vegas casinos.The built-in advice feature, which you can turn on and off at any time, applies basic strategy and will recommend the best course of action to maximize your chances of winning.Along with providing hours of fun, this realistic casino-style blackjack simulator will help you improve your understanding of the strategy of this ever-popular game.Try Blackjack today!
Intel Core 2 Quad Processor Q9300 retail box $99 at MicroCenter BM only
Added on : Tuesday December 07th 2010 04:40:18 AM
Intel Core 2 Quad Processor Q9300 retail box $99 at MicroCenter BM only. Great deal on a Socket 775 CPU.Deal is in store only. You can check the stock on the Microcenter website though.Intel Core 2 Quad Q9300Life is increasingly demanding. Instead of just keeping up, you want to be ahead of the curve, setting the pace. With the Intel Core 2 Quad processor, you've got the power to outpace your competition at work and step it up at home when multi-tasking is a must. Now you can work faster, play harder, and enjoy an all around better PC experience in the process. No more stress about looming project deadlines or missing that all-important family event while you're waiting for your multimedia presentation files to process and render. With the Core 2 Quad processor's 45nm microarchitecture, you can create, edit, or stream high definition multimedia files at work, at home, or en route to your destination and be confident it won't bog down your system. With the Intel Core 2 Quad processor, you optimize your power to work, play, set the pace, and go the distance.

Specifications
Intel Technology Intel Virtualization Technology; Intel Trusted Execution Technology (TXT); Intel Extended Memory 64 Technology (EM64T); Execute Disable Bit; Enhanced Intel SpeedStep Technology (EIST)

Processor Core 2 Quad Q9300

Operating Frequency 2.50GHz

Number of Cores Quad-Core

Number of Threads 4 Processing Threads

Level 2 Cache 6MB

CPU Voltage 0.85V - 1.3625V

Thermal Power 95W

Processor Architecture 45nm SOI

Processor Data Width 32-Bit/64-Bit

Socket Type Socket 775

Front Side Bus 1333MHz

What's in the Box Intel designed thermal solution (Fan, Heatsink, Clip Assembly)

Manufacturer Warranty 3 Year Limited Warranty


Intel Core 2 Quad Q9300The high end just got higher. Itroducing the latest addiiton to the Core 2 Quad family built using Intel's 45nm technology and hafnium-infused circuirty. This new processor delivers amazing performance and power efficiency. Whether it's encoding, rendering, editing, or streaming, make the most of your professional-grade multimedia applications with a PC powered by the Intel Core 2 Quad. You'll enjoy more intensive entertainment and more miltitasking capability from this powerhouse processor.CPU performance
Built on Intel's trusted technology, this processor is four cores of pure power opearting at 2.50GHz, with 6MB of shared L2 cache, and designed to improve performance efficiency and speed without increasing energy use. It also increases cache size by up to 50 percent compared to its predecessors. In addition, the Core 2 Quad processor is capable of completing more instructions per clock cycle and its 1333 MHz front side bus distributes data system wide faster than ever before. Intel Virtualization Technology
Sometimes called VT-x, this capability consolidates multiple environments into a single server or PC. It provides greater user flexibility that can help reduce costs, improve security, and increase resiliency regarding contingency planning. Intel Virtualization Technology for Directed I/O
This VT-d technology takes VT-x capability a step further by providing support for I/O device virtualization helping to improve device performance. IT managers can benefit from improved system security and reliability, reduced downtime, and better use of data center resources. Intel Trusted Execution Technology
Trusted Execution Technology, or TXT, is just one of the ways Intel is working to keep your system more safe. This technology, when combined with an Intel TXT enabled operating system, uses hardware enhancements to protect your data and your privacy by defending against software-based attacks. Extended Memory 64 Technology
Also known at EM64T, Extended Memory 64 Technology lets you take advantage of 64-bit computing when using 64-bit compatible software. This architecture enables systems to access more than 4GB of virtual and physical memory. Also known as EM64T, it is fully compatible with 32-bit operating systems giving you the flexibility to upgrade to a 64-bit OS when ever you're ready. Intel's 64 architecture works on servers, workstations, desktops, and mobile platforms.Execute Disable Bit
Reduces your system's exposure to viruses and mal-ware attacks, and the chances of self-executing and propagating software from taking down your system or network. That can save you costly repairs, lost productivity, and revenue. Enhanced Intel SpeedStep Technology
Now get even more performance enhancing, energy conserving benefits from Intel. With SpeedStep technology, your processor simultaneously switches voltage and frequency to high or low levels depending on processor load. Enhanced SpeedStep technology performs voltage and frequency changes separately so the system performs better with reduced latency due to system unavailability.
PUMA ONLINE - 87% off with Stackable Coupons
Added on : Friday December 03rd 2010 09:40:22 PM
This is already a huge thread on the other sdeal site so i figured I'd pass it on here....The following coupons are stackable at PUMA
PUMAFANDF1210
PUMA1210FANDF
PUMAFRIENDS1210
MRKX-ROSE-HO3G-4L6LFor a grand total of 87% off the retail price of any non-sale item. I for one ordered $2,000 worth of items over 3 orders for 3 different address.....I also opted for next days shipping on my orders (although it occurs to me now with this being the weekend it may be pointless as the next processing day isn't till Monday). You will get charged the tax based on the pre-discounted amount for most states chosen. I figure the chances of the items shipping out are in the single digits, but hey this could be a Christmas Miracle. If they do ship out then i'll be a walking Puma ADVERTISEMENT.
I just got a private newsletter for people who already purchased to use coupon code BLACKFRIDAY25 to take 25% off their next order. I figured people here could use it as first time buyers. These speakers are AWESOME! I've grown to like them more and more every day. They are extremely loud, yet crisp at the same time. Perfect Christmas gift if you ask me! PLUS, if you buy one, they will put you in a drawing to win an iPad. I know its a smaller company, so chances of winning are MUCH higher.Chance to Win a free speaker - no purchase necessaryBuy speakers + a chance to win iPad.COUPON CODE: BLACKFRIDAY25
What are my chances of getting an amex FR?
Added on : Monday November 15th 2010 10:40:03 AM
I would really like to apply for the new blue sky card (the one with the annual fee). I know its $75 but they credit your account $100 on airline fees and etc and gives points and all that jazz. However, I'm worried about being FRed. Facts:
1)Med student (24), should be passing out within 2 months. No debt, household income 100k+.
2)Existing AMEX blue card with 24,500 cl, 5 years history. Authorized user on AMEX clear (9k)
3)Other cards like cap1 (1k+5k+5k);schwab (6k); bofa (4k); citi (3k+5k); discover (4k); plus a sprinkling of others that are all sock drawered
4)Credit score of 760
5)no real assets, liquidity of about 5kNow I love my AMEX card, brilliant customer service plus warranty, premium car rental protection, chargeback support (actually side with you instead of merchant) and we all know the rest. Now I'd love to apply for the AMEX but chances are, considering my existing card with high cl, they might FR me. If they look @ my tax return (filing as dependent of parents), they might take away my card altogether which is pretty much unacceptable. I also remember hearing that even if you ask to convert the card, they'll still do a credit check and all so I might still get FRed. Any comments, suggestions, or advice would be appreciated. Thanks guys!
Intel Core 2 Quad Q8300 retail box $89 at MicroCenter BM only
Added on : Tuesday November 09th 2010 08:40:20 AM
Intel Core 2 Quad Q8300 retail box $89 at MicroCenter BM only - Time to upgrade all those 775 socket Celeron and Core 2 Duo's
-
Online Example - deal is BM onlyWhat's cool, fast, and has the power to transform your computer and all of its high-speed, high definition happenings? The Intel Core 2 Quad Q8300. It's four cores of premium processing know-how designed to optimize system performance for your every task. Whether you're surfing, working, or streaming HD multimedia, this processor delivers unbelievable speed, efficiency, and visual realism without even breaking a sweat.Built for exceptional responsiveness in multi-threaded and multi-tasking applications, with the Intel Core 2 Quad Q8300, you'll never have to worry about a sluggish processor slowing you down. Power it up and see for yourself, you can do more and do it faster because it's built for demanding workloads.At home or in the office you'll discover the benefits of this processor's advanced technology including memory enhancements, security features, and temperature controls to keep your computer and your world running smoothly.
Specifications
Intel Technology Intel 64; Idle States; Enhanced Intel Speedstep Technology; Thermal Monitoring Technologies; Execute Disable Bit
Processor Core 2 Quad Q8300
Operating Frequency 2.5GHz
Number of Cores Quad-Core
Number of Threads 4 Processing Threads
Level 2 Cache 4MB
CPU Voltage 0.85V - 1.3625V
Thermal Power 95W
Processor Architecture 45nm SOI
Processor Data Width 64-Bit
Socket Type Socket 775
Front Side Bus 1333MHz
What's in the Box Intel designed thermal solution (Fan, Heatsink, Clip Assembly)Intel Core 2 Quad Q8300If four is your lucky number, you can't go wrong with this multi-core processor from Intel. The Core 2 Quad Q8300 is four powerful cores and four threads with 4MB of L2 cache. It's got speed, amazing performance, and responsiveness built on 45nm architecture designed for 64-bit computing. Now, say that four times really fast. Ok, we're kidding, but not about the quality technology behind this outstanding desktop processor.Enhanced Intel SpeedStep Technology
Now get even more performance enhancing, energy conserving benefits from Intel. With SpeedStep technology, your processor simultaneously switches voltage and frequency to high or low levels depending on processor load. Enhanced SpeedStep technology performs voltage and frequency changes separately so the system performs better with reduced latency due to system unavailability.Intel Extended Memory 64
Take advantage of 64-bit computing when using 64-bit compatible software. This architecture enables systems to access more than 4GB of virtual and physical memory. Also known as EM64T, it is fully compatible with 32-bit operating systems giving you the flexibility to upgrade to a 64-bit OS when ever you're ready. Intel's 64 architecture works on servers, workstations, desktops, and mobile platforms.Thermal Monitoring TechnologiesThis feature is designed to protect the processor in the event of unusual circumstances such as cooling fan failure which can cause damage if internal chassis temperatures become higher than normal. It works by reducing the processor's power consumption if the programmed thermal temperature is exceeded.The processor contains a thermal diode which measures the actual CPU temperature and relays its temperature and thermal requirements to the motherboard. The motherboard uses those requirements to control the processor fan and ensure it does not spin faster than necessary - even under worst case power use.Execute Disable Bit
Reduces your system's exposure to viruses and mal-ware attacks, and the chances of self-executing and propagating software from taking down your system or network. That can save you costly repairs, lost productivity, and revenue
SKU 864041Inventory checkcopy/paste if link doesnt workhttp://www.staples.com/office/supplies/StaplesStoreInventory?URL=&errorUrl=&partNumber=864041it's 2.5" 5400rpm no external power required. YMMV on stock.
see OD coupon thread for 10 off 20 OD coupon, again YMMVjust came back with one $33.39 after tax
DO NOT CALL ABOUT THE ITEM! Chances are they will find some excuse to not sell it to you and keep it for themselves!
Got this in the mail today - seems like a very nice offer with no strings attached. You need to show the form at the desk - the "not a membership card" was actually a cardboard card, but I scanned them. Chances are the desk clerk won't care- just tell them you made a copy for yourself.
DPMS AR-15 Sportical Upper Receiver $359.99 + S/H @ midwayusa.com
Added on : Friday October 22nd 2010 02:40:15 PM
LINKThis drop-in upper will attach to virtually any standard AR-15 lower assembly. Comes complete with charging handle, bolt and bolt carrier assembly. The Lo-Pro flattop upper features a Picatinny-style flattop that is a little higher than the conventional A3 flattop. This helps position an optical device at a more user-friendly height for proper sight acquisition. Additional features include heat dampening GlacierGuard handguards, Picatinny rail gas block, and A2 flash hider. The 16" light contour "pencil" barrel reduces weight, and employs the versatile 1 in 9" twist rate for use with a wide variety of projectile weights. Chambered in 5.56x45mm NATO and hard coat anodized per Mil Spec. AR-15 Hammer and Trigger Pin Dimensions:
Some Colt AR type rifles have been manufactured with hammer and trigger pin holes which are approximately 0.176" in diameter. These are referred to as "large pin" Colts. This was done to eliminate the chances of someone putting M16 fire control parts into a semi-auto AR-15 receiver. Most AR type rifle manufacturers have stayed with the 0.156" diameter hammer and trigger pin holes, referred to as "small pin" lower receivers.Measure your pins or the holes in your lower receiver to determine if you have a "small" or "large" hole firearm.
0 Posted By: FatWallette
Views: 176 Replies: 2

Over 200,000 women will be diagnosed with breast cancer in 2010. According to National Breast Cancer Awareness Month, nbcam.org, it is the most common type of cancer in women, second to skin cancer. Chances are, you or someone you know and love has been diagnosed with breast cancer because breast cancer affects us all. It could be our mothers, our grandmothers, our aunts, our sisters or ourselves. Anything we can do to encourage research, support and care is detrimental to increasing the survival rate. Help support those who have fought the fight, who have never given up hope, and who have prayed for a cure. FatWallet celebrates Breast Cancer Awareness Month with the following merchants who will donate a percentage of proceeds to Breast Cancer Awareness.
Career Crossroads: What would you do or consider?
Added on : Thursday September 30th 2010 03:40:03 AM
Hi everyone - I've been a member of the forum for a while and value all your insights and thought I'd seek some financial/career advice from those with more experience than me.I'm four years out of undergrad with a degree in engineering and have two offers, one pending:1) A revenue assurance specialist role with a broadcasting company, tracking down potential areas of revenue loss and devising process improvements.2) A logistics analyst role with a small eCommerce company (that was recently bought by a publicly traded company) dealing with their shipping, working with carriers and reducing costs and damaged products.pending-
3) A senior associate role with a big four accounting firm in their forensic advisory practice.Salaries/benefits are similar. Work/life balance differs across the board.What would have the best future career prospects? Best chances for business school? I'm not entirely sure what industry/field I'd like to be in long term, so the decision is more difficult. If there's one field I'd definitely like to be in, it's probably strategy consulting.My professional background is varied with one year in data analysis/forensic consulting and a couple in business analysis/process improvement.Thanks in advance.
Free Redbox Rental after you rent one
Added on : Tuesday September 07th 2010 02:40:11 AM
Redbox just hit one billion rentals and to celebrate this achievement, Redbox has announced they are having a Thanks a Billion Giveaway! Through September 30th, everyone can win a FREE movie rental! Plus, you can enter to win 1 of 50 $500 gift cards or the grand prize (either a trip for two to the 2011 Peoples Choice Awards or a Sony Home Theatre Package)! See more info HERE
Heres what you need to do to enter*Using your Redbox movie rental, enter your DVD code to snag your FREE movie night (the DVD code is the 9 digits on the inside rim of any redbox rental disc). An email containing your promo code will be sent to your email address; be sure to use this code within 7 days. Limit one free promo code per person for the duration of the giveaway.* Your DVD code also gives you an entry into the grand prize drawing. The more you rent, the more DVD codes you can use to increase your chances at winning the grand prize!* To snag a $500 gift card, you will need to search for a Golden Code. A Golden Code is one of 50 DVD codes placed on random redbox DVDs across America. Follow Redbox on Facebook and Twitter to get the latest clues, and click on any Golden Code icon on the map to see if theres a clue for a location by you.Also, if you haven't used these yet, use the codes below to snag a FREE Redbox movie rental:
(all of these codes have unknown expiration dates; each code can be used once per credit/debit card):* DVDONME
* BREAKROOM
* DVDATWAG valid only at Walgreens locations
* DVDKROG vaild only at Kroger locations
* DRIVEIN vaild only at Sonic locations
Use coupon code logi_mx1100_9110 to bring the price down from $79.99 to $27.99.

Logitech dented box items come in marked or damaged packaging, but are guaranteed new items and come fully warranted.

The Logitech MX 1100 Cordless Laser Mouse delivers the ultimate incomfort and control to enhance your productivity and gaming experience.

Featuringten programmable buttons, including a "Stealth" thumb button, thismouse makes short work of common tasks and makes frequently used gamefunctions more accessible.

The application-switching thumbbutton boosts productivity by making it easy to jump from one programto the next for quick cutting and pasting.

Get the ultimate inpointer precision control, with on-the-fly switching between two fullycustomizable laser settings capable of up to 1600 dpi.

Switchable precision and hyper fast scrolling lets you fly through lengthy web pages, documents, and presentations.

A reliable 2.4 GHz wireless connection eliminates delays or drop-outs,so you won't have to waste time with missed clicks or missing andphantom cursor movements.

Sincegetting more done doesn't necessarily translate to putting in lesstime, you should have plenty of chances to appreciate the comfortableergonomic shape, soft rubber grips, and batteries that last up to ninemonths under normal use.

Add $6.15 for shipping.
Whether it's movies, music or both, you can play it on the Visual Land V-Sport Flash Portable Media Player. The MP5 player uses recent technological advances to compress your MP5 videos, so you can store and play an entire library of them on this 4GB player without worrying about space.

The MP5 player also supports MP3 and Real Audio music formats, so you won't be without your tunes either. The versatile V-Sport even functions as an eBook reader and voice recorder, and with powerful built-in speakers, you'll have no problem keeping track of both lectures and music videos. No matter what you're after - books, movies or music - chances are you can store and play it with the Visual Land V-Sport Flash Portable Media Player.
This Deal Has Expired
Free Admission to US National Parks (Free) @ U.S. National Park Service
Added on : Wednesday August 11th 2010 05:40:09 PM
Free admission days are coming again!

So we'd like to take a moment to remind you to get out and enjoy the natural beauty of this great country, with free admission to over 100 national parks on Saturday, August 14th and Sunday, August 15th.

If you can't make it out this weekend, you'll still have a couple of chances to catch the beauty of our parks in the fall, with free admission days coming again on September 25th and November 11th.

Click here for a list of participating parks by state.

This Deal Has Expired
Jeans Sale: Save at Least $20.00 on Select Pairs ($20.00 Off) @ Gap
Added on : Monday August 02nd 2010 10:40:07 PM
Right now, Gap has discounted a wide selection of jeans for men and women by $20.00 per pair.  And, chances are you can apply one or both of the following coupons to maximize your savings:

Use coupon code VISA20 to save 20% if paying by Visa card.

Use coupon code GAPSHIP50 to receive free shipping if your order total is $50.00 or more.

Follow this link to shop the selection of men's jeans on sale, now $34.50 to $69.50 (were $54.50 to 89.50).  

Women's jeans on sale, $39.50 to $49.50 (were $59.50 to $69.50).

If you do not meet the $50.00 minimum to activate the free shipping coupon, shipping will be $7.00. 

This Deal Has Expired
Motion Activated Soap & Lotion Dispenser
Can be used with hand soap, lotion or sanitizers.Motion Activated For Hygienic Use - Simply place hand under the fun dolphin and the sensors automatically dispense a predetermined amount of soap neatly in your hand! Using infrared technology, no touch is required, which virtually eliminates the possibility of contamination. The dolphins eyes glow red when in use; and the clean design fits any decor. Use it anywhere: home, garage, bathroom, kitchen, workshop, trailer, RV, boat or the office! Wall Mount or Set on Countertop. Fill dispenser with hand or body soap, lotion, sanitizers, dish detergent, shampoo, conditioner, etc. just about any liquid for easy and convenient dispensing! The touch-free design helps cut down on cross contamination which means less chances of spreading germs and catching colds! Economical pre-measured dispensing saves time and money!Link to Dispenser
Credit line reduced ; am I in trouble?
Added on : Saturday July 24th 2010 01:40:02 AM
I have had credit cards for 15 years. I've never been late; always pay off my
balance on time (if not, pay off as much as I can till it's gone).
I have a Charles Schwab credit card, because it doesn't charge foreign
transaction fees, which I use regularly (and an AMEX).Last year August, I noticed that I had a Fidelity card that I
wasn't using much. I decided to go "paperless" on their
statements. A day or two later, I said, what the heck, let me
close this card since I don't use it. That was the end of it.I did not realize then that I had some recurring charge that
posted after I went paperless, but before I closed it.
They sent me emails once a month, "your statement is ready",
but I ignored them thinking that there was nothing to pay.
Several months later I get a call from them.
Oops! I owed them $300 or so (including late fees, etc.)
I paid it off immediately.A couple of months later, I get a letter from Schwab: my
credit line has been reduced from $6K to $600. Ouch!
I asked them why, and they said it was due to some negative
information in my credit report; and they've refused to
reinstate the higher limit. At $600 limit, the card is
practically useless.My question is: will this 1 incident hurt my chances to
get another credit card? I would like to get another
card as a backup, just in case. Right now I have only 2.Thanks in advance for any advice. You guys are awesome!
Money saving ideas on recurring household supplies/expenses
Added on : Tuesday July 13th 2010 12:40:03 PM
We get a lot of hot deals and everything on the FW hot deals forum and the other deals forum. While these hot deals are great to help you save money (or waste money if you buy junk you dont need) - I did not find any discussion anywhere on how to save money on your regular (possibly recurring) expenses by planning ahead.I will try to compile all the regular money saving ideas that we have found so far. It will be great if you can also chime in. The quick summary is there just for that.----------------------------General Saving Ideas 1. Churn your CC for points/Cash Back. Lots of ways to do it. Dollar coins used to be a great one - now seriously restricted. There are others if you search hard enough. 2. Ink recycle programs. 3. Publix gas cards (i wish we lived near a publix). 4. eBay small clearence items. Many benefits even after the 12-15% fees, and $10-$20 shipping you will pay. CC churn is one. An eBay profile with good seller feedback, that I can use later to sell my household stuff, is another.
I dont sell anything more than $50 (so that chargebacks, if it ever happens, wont bite so much). Create restrictions in your eBay and paypal profile (yes, both) so that no international buyers can buy. Mention in the listing that you will ship only to the 48 contiguous states in US. Dont scam, respond promptly, communicate frequently with buyers and dont get scammed.------------------------Grocery 1. Comparison shop. My DW is an encyclopedia of the prices of any grocery item you can think of in all the stores nearby. Maintain an excel if you are like me and can't remember. 2. Loyalty programs for some grocery stores you visit (e.g. stop and shop gas points). 3. Buying in bulk is not always cheaper. Large quantities of cooking oil is okay - they dont go bad. However, large quantities of canned items (e.g. tomato puree) is not such a good idea if you buy a quantity that you wont be able to use in the next 2 years. 4. Double coupon days 5. Find a farmers market nearby. You can often get produce of much higher quality far cheaper in these places. 6. Avoid speciality stores. e.g. we often go to Indian stores for some stuff that is simply not available anywhere else. However, buying things from there that you can get elsewhere is throwing the money away. 7. You can find many regular supplies in surprising places. e.g. I have purchased all my trash bags for the past 6 months from Staples - of course using the ink recycling coupons. In general - I have found that DW can save, on average, 30% from the grocery store prices (benchmark: ShopRite, BJ's, Costco). This is probably a good target.--------------------------Baby Items 1. Bed Bath and Beyond website carries a lot of baby items. They will also allow you to use the 20% coupon if you visit their store and the associate orders the item for you. This is good for some high priced baby items that are difficult to find at a discount (e.g. Britax stuff). 2. Careful about return policies. Every baby is different and there is no telling which item will be useful and which won't. e.g. our daughter never use the bassinette - not even for a single day. We were lucky there was a recall on the item and we got full face value back 2 years after we bought it. 3. You will need a LOT of diapers. Stock up like anything when it goes on clearence. A good price is 15 cents per diaper for up to sizes 1/2 of good quality diapers like Pampers sensitive, Huggies overnight etc, and up to 22-25 cents for up to sizes 5/6 of those same ones. DW recently found a deal for 12 cents on Huggies overnights (before applying some loyalty points from the store - so even cheaper out of pocket) - but that is probably once in a blue moon thing. 4. The baby does not care how much a toy costs. You will often find that she will be happier with a free (well - almost free) crayon in the restaurant (be careful and watch her - obviously) than she will be with an expensive toy. You can save a lot of money buying toys second hand (properly clean it before giving to the baby). 5. Be careful in car seat and stroller selection.
A. Travel systems are heavy and hence the mommy can never use them alone. We found this to be a big problem after sinking $150 on a travel system.
B. I will recommend going for a good infant car seat. All car seats are safe when installed properly, but "good" car seats are far easier to install properly. My britax boulevard felt rock solid on installation. Graco snugride - however, took a lot of effort to install correctly. Your fire station will usually have free training available where they will train you to install the car seat properly.
C. Buy a lightweight stroller or car seat carrier that the mommy can use alone if required. I purchased a cat seat carrier from a consignment store for $25 and sold it back for $15 after using it for 8 months. The baby graduated to a McLaren Volo ($95 from BBB after 20% coupon and some other deal engineering, paid with GC from TYP) afterwards. With a second baby on the way, we just ordered a Joovy Caboose UltraLight for $206 from Babies R Us (paid with GC purchased in eBay for 20% off face value after all Cash Back, and before mrRebates 4% Cash Back). This thing can carry a car seat and have standing space for a toddler - and yet be light enough for the mommy to use all by herself if required.
If I had to re-do my car seat and stroller purchase all over again - I would have gotten the Caboose, an infant car seat and a convertible one. The car seat carrier, the travel system, and the Volo stroller were all a waste of money for us.----------------------------Deal Hunt Don't Do's
1. Dont argue with a coupon nazi. You can always find a store without a coupon-nazi on duty. Arguing there spoils the chances for everybody else. 2. Buying/exchanging coupons clipped from newspapers is okay. Buying fake coupons is not. Distributing fake coupons is even worse (e.g. you buy Staples $20 off $20 coupon from eBay and give it to a friend). Use at your own risk. Any why bother - there are loads of legitimate ways to save a lot of money?
Deal I found elsewhere on another site so credit to original person.BestBuy have got StarCraft Wings of Liberty of the PC for only a fiver. It says Reg. Price: $59.99, You Save: $54.99 Sale:$5.00.For such a low amount you can't go wrong eh. I have ordered one and got confirmation already. As suggested by respdoc, I have added price mistake in the title (thanks respdoc for helping out). Fingers crossed it is honored but as respdoc says, chances are slim. Still, no harm in trying.
frys b&m biostar TH55B-HD board with i3 530 cpu $104.99 AR
Added on : Thursday July 01st 2010 03:40:13 PM
Frys 4th of July sale is starting a day early with a special Thursday ad. They have a biostar TH55B-HD micro atx board with i3 530 cpu for $104.99 after $10 rebate. I have this combo, and it overclocks well, running at 3.67 GHTZ with the Intel heatsink. It can go higher with a better heatsink. I don't know if this combo comes with a heatsink, but chances are it does. Mine did in Austin Tx.
This is a hot deal because anyone can get the free shirt by providing the email address of a friend.An email I received tonight said that Shoeboxed is offering the following items:tee-shirt: provide a friend's email
$50: have 3 friends sign up for paid accounts
iPad: have 10 friends sign up for paid accountsThe paid accounts start at $9.99/mo so 10 accounts would be 99.90/mo. If you know 10 people that are thinking of signing up for shoeboxed.com, you could offer to pay for their first month if they were to try out the service.The offer states that it is valid for the next month. You must have a free account to refer someone. Once you have an account, see https://app.shoeboxed.com/member/invite-friends.htmOffer text:
First, send out some 30-day free trial invites below, and we will send you a free T-shirt even if none of your invites sign up. Second, bring 3 Shoeboxed Mail-In sign-ups, and we'll send you $50 cash money. And best of all, bring 10 Shoeboxed Mail-In sign-ups, and we will send you a brand new iPad, just for you.*

Increase your chances of success and send invites to your Facebook and Twitter friends as well.

*Cash and iPad gifts are based on legitimate sign-ups for paid Shoeboxed plans. Shoeboxed reserves the right to determine which sign-ups are legitimate. Duplicate as well as fraudulent sign-ups will not be accepted.Of course, you can feel free to PM me if you're interested in signing up for a legitimate paid account
STEAM (PC GAMES) 4th of July Sale EVERYTHING(almost) on SALE
Added on : Thursday June 24th 2010 03:40:25 PM
It's like the Christmas holiday sale....
too much to list, just go see.
If you want a PC game, chances are it's on sale right now...
Packs from all publishers and single games on sale until 4th of July.
Also 'today only' dealsHere's some of the stuff:
Today only:
Counter-Strike Source $6.80
Unreal Deal pack $13.60
Trine $4.00
Bioshock 2 $14.99
Dirt 2 $10.00
Killing Floor $5.00
Overlord Complete Pack $4.50LinkWOOT!!!!
...netbozo
First-time Homeowner Credit IRS Appeal
Added on : Friday June 18th 2010 08:40:02 PM
Today I was given the unpleasant news that the IRS has rejected the $8,000 first time homeowners credit that I applied for on my 2009 tax return. I called IRS and was told the reason is my home was over the limit of $800,000 (I live in the bay area, so it's pretty easy to exceed that). But AFAIK, the 800k limit only applies to home purchased after Nov 6, 2009, when the extended homebuyer credit rules come into effect, whereas I purchased my home Oct 30. The IRS rep seems to agree with me but since he can't do anything, I have to file an appeal. So now I'm trying to find some official documentation that this is the case. The closest I can find is TurboTax, but everything I find from the IRS would state that after Nov 6, the limit is 800k, but nothing specific about the lack of limit before that date. Does anything out there official that states something to this effect? This is the first time I am appealing my tax return, and don't want to take any chances.
SAMSUNG Spinpoint F3EG HD203WI 2TB 5400 RPM OEM Hard Drive $99.99 at Micro Center B&M LIMIT 1 per Household while supplies last.
From Micro Center e-mail generated 15 June 2010, also posted on the Micro Center web site at Samsung Spinpoint $99.99 at Micro Center - for in-store pickup only.
Keep in mind it's advertised as an OEM drive: probably no mounting screw, no SATA data/power cable, etc.
Final thought - combine mixed reviews on Newegg (some the best, some DOA) with "While supplies last": are they passing on a good price they got; or do they know something about its reliability and are trying to get rid of this bad batch?
Although, ALL large capacity (2 TB) drives have their share of bad reviews (DOA, batches with click of death, early failure, etc.) so you take your chances anyway, no matter which manufacturer.
V-Core 4GB MP5 Player with FM Radio ($40.99 was $54.99) @ Buy.com
Added on : Wednesday June 16th 2010 04:40:07 PM
Whether it's movies, music or both, you can play it on the Visual Land V-Core 4GB MP5 Player with FM Radio. The MP5 player uses recent technological advances to compress your MP5 videos, so you can store and play an entire library of them on this 4GB player without worrying about space.

The MP5 player also supports MP3, WMA and Real Audio music formats, so you won't be without your tunes either. The versatile V-Core even functions as an eBook reader and voice recorder, and with powerful built-in speakers, you'll have no problem keeping track of both lectures and music videos. No matter what you're after - books, movies or music - chances are you can store and play it with the Visual Land V-Core 4GB MP5 Player!

This Deal Has Expired
$5 for 30 Days of MLB.TV Premium Service
Added on : Monday June 14th 2010 01:40:08 PM
Thanks to boringdaddy @ SDBy default following link will take you to city where you are trying to access this website. But once the site is open then try to put "new-york" after http://www.groupon.com/ (http://www.groupon.com/new-york/). Please follow thread @ SD for updated city to get this dealhttp://www.groupon.com/new-york/Look for Today's Side Deal on right hand side.Just in case anybody is new to MLB.tv, it does not let you stream in-market games. For example, if you can watch the Mets on TV, chances are you will not be allowed to watch their games live on MLB.tv. Archived games are available as normal, starting an hour or so after the end of the game.This map will show you what teams you are blacked out of from any given region in the US. Or you can also use this slightly older but easier to read map. Sometimes, the regions make no sense, so be sure to check first, or go to mlb.tv and look for the tiny box in the fine print at the bottom to check your zip code.Also, everyone in the US, Canada & Puerto Rico is blacked out of Saturday day games, and the Sunday night game.Read the full Blackout restrictions here
You can also enter your zip code to see what team(s) will be blacked out in your area there or click here
Asset protection-Keep what you have!
Added on : Monday June 14th 2010 12:40:03 PM
Ok, first and foremost this thread isn't about defrauding people, running shady ops, or scamming people and getting away with it.

This is about keeping what you own. People get sued ALL THE TIME, as you can see Here

Now, most people are completely clueless and blissfully ignorant about the chances of getting sued and how to respond. Upwards of 90% of all cases against consumers result in default judgments. Now while some of this is due to people not being served, a good number is due to simple fear or not knowing how to respond. Although how to respond to a suit is worthy of another thread, but if you ARE going to be ignorant about how to defend yourself, the least you can do is NOT MAKE YOURSELF A TARGET AND SET UP PROTECTIONS NOW.

People only worry about this when they have been sued or it appears that it might soon happen. Bad idea. There is something called a fraudulent transfer, that you must be aware of. If you are sued, and then transfer your 100M in cash to another entity or you "gift" it to your wife/kids, these transactions can be unwound by a court if the judge deems it to be an attempt to hide assets from creditors. Now, if you have all this set up BEFORE the fact, these assets aren't likely to be discovered, and even if they are, it isn't a fraudulent transfer. It is all about the timing of the transaction.

Just as retirement planning should be done before you retire, asset protection should be done BEFORE YOU ARE SUED.

Key points in keeping your assets safe:

#1 Privacy! Get yourself some pretty good privacy. This doesn't mean living in a cave or a shack in Montana. You can hide in plain sight and live, work, play and lead a very normal life without putting your entire business out in the street.

All it takes are a few modifications to your current situation and behavior, and you will be significantly more private than most people.

Keep in mind, if you have a government agency or someone with a lot of time/money on their hands, chances are that absent of living in a cave, you WILL be more than likely discovered at some point. The whole point of this exercise is to make the search expensive and time consuming, as opposed to a quick look through the phone book. Further still, if you can't be found, you can't be sued. Even if they fabricate the service documents, which happens more than you know, and they sue you and win, they STILL can't do anything if they can't find you. They can't haul you in for a debtor's hearing, and they can't attach/seize assets they can't find.

Many people think technology has created all sorts of ways to find people, and to an extent it has, but for every door they close, another opens up.

#1 Phones: Get a VOIP phone. Ditch the landline if you are still messing around with one of those. I know MCI and SBC insist on pulling a credit report, assuming you give them your SSN, and besides that absurdity, VOIP is cheaper and offers more features than your typical phone service.

Best of all, you can get a number or two numbers from any area code you want. Live in NYC? Get that Cali number. From Alabama? How about a michigan number. Many of these VOIP services also have features where you can automatically block "Private" numbers as well, so you don't have to worry about unwanted calls from people that don't want to identify themselves.

Speaking of phone numbers, don't call 800 numbers, since they can caputre your phone number. If you have VOIP it is generally unlimited anyway.

Lastly, don't leave your phone number on your credit reports, and don't give it out freely. Just get a free voicemail service that emails you when you have a call.

If you MUST call an 800 number or someone you don't want to trace you, just go to WalMart and buy a phone card.

#2 Address: Get a PO BOX.

They are cheap, MUCH more secure than regular mail sitting in a mailbox or items being left on your front door, and they offer a primary layer of security. Granted, your are supposed to list your address, but this is spotty at best. Some places check this, and some don't. Just find a post office where it isn't a big deal and get a PO Box.

Imagine on your credit reports nothing but a list of PO boxes instead of addresses where you have lived.

Granted, a judgment creditor CAN obtain your information from the post office using the appropriate form, but just remember what was true when you signed up may later change.

The primary rule of thumb is: Never allow your place of residency to be connected with your name. This includes the DMV, IRS, and other government agencies. Pay your taxes, but they should only have your PO BOX as your address.

#3 Credit reports: Ask me no questions, and I'll tell no lies.

Credit reports are the Hallmark for disinformation if you choose. At a minimum, there are several things you DO NOT want on them: Driver's license number, phone number (or at least your REAL phone number), and employment. None of these things are related to credit, credit scoring, etc...

If you apply for some credit, just let the potential creditor know these things, NOT the credit bureaus.

Also, don't send in your driver's license to the credit bureaus or any picture ID or ID's with a signature. I was asked once for ID from the bureaus and they got my SS Card and my Blockbuster card. No sig's, no pictures, and they are proper ID.

#4 Banking

Bank far, far away from where you really live. Never, EVER hold a ton of cash at a local bank or credit union. The first thing a creditor will do is you are sued and lose is blanket the local banks with writs of garnishment. Sure, that can work on a local level, but when you have to pick every state of the union, it is generally cost prohibitive.

As stated in the safe deposit box thread, you probably don't want to keep anything of value in a local CU. Possibly important papers, but stash your rare gold coin collection somewhere else.

You need to be truthful on credit/banking app's, but one easy way to hold money anonymously is to just set up a non-interest bearing account in a small bank outside of your hometown. If they don't pull a credit report, you are set.

#5 Owning property: Own nothing, control everything.

The #1 worst thing you can do is to own a bunch of assets in your name. People get some feeling of security from this, but in reality it is one of the worst things you can do. Assets in your name can be easily found and attached.

Assets in a trust's name are MUCH harder to locate, and assets in a LLC are harder to locate (depending on the corp type and location) and even harder to attach.

Your car, house, and other valuables should all be in the corporate name. This adds a layer of pricacy, as anyone looking for John Smith probably won't be looking for the "Smith family trust" or the "Smith enterprises, LLC", and further won't be able to tie the Smith enterprises LLC to Mr. Smith.

When you put these assets in these various entities, you still retain full control, you can sell them, trade them, whatever, and use them as you normally would in most cases. The only difference is they are much harder to find and attach.

This is just a starter thread. Ideas are welcome. As much as people here at FW talk about making money, some thought might be given to keeping it in a worst case scenario.
V-Core 4GB MP5 Player with FM Radio ($39.99 was $54.99) @ Buy.com
Added on : Friday June 11th 2010 08:40:04 PM
Whether it's movies, music or both, you can play it on the Visual Land V-Core 4GB MP5 Player with FM Radio. The MP5 player uses recent technological advances to compress your MP5 videos, so you can store and play an entire library of them on this 4GB player without worrying about space.

The MP5 player also supports MP3, WMA and Real Audio music formats, so you won't be without your tunes either. The versatile V-Core even functions as an eBook reader and voice recorder, and with powerful built-in speakers, you'll have no problem keeping track of both lectures and music videos. No matter what you're after - books, movies or music - chances are you can store and play it with the Visual Land V-Core 4GB MP5 Player!

This Deal Has Expired
First enter coupon code logi_pmmx_6410 to bring the price down from $99.99 to $59.99.  Then, enter coupon code couponcabin_110 for another $6 off.  Finally, enter FatWallet exclusive coupon code fatwallet_free410 for free shipping.

The Logitech Performance Mouce MX cordless laser mouse delivers the ultimate incomfort and control to enhance your productivity and gaming experience.

Featuring four thumb buttons including a "Stealth" thumb button, thismouse makes short work of common tasks and makes frequently used gamefunctions more accessible.

Darkfield Laser Tracking means you can count on smooth and accurate movement tracking, even on glass surfaces!

Switchable precision and hyper fast scrolling lets you fly through lengthy web pages, documents, and presentations.

A reliable 2.4 GHz wireless connection eliminates delays or drop-outs,so you won't have to waste time with missed clicks or missing andphantom cursor movements.

Sincegetting more done doesn't necessarily translate to putting in lesstime, you should have plenty of chances to appreciate the comfortableergonomic shape, soft rubber grips, and micro-USB cable charging system.
Free HUE Leggings First 25 every day this week (Facebook)
Added on : Wednesday June 02nd 2010 09:40:04 PM
Free HUE Leggings First 25 every day this week (Facebook)
http://www.facebook.com/pages/HUE/335829874743http://platform.ak.fbcdn.net/www/app_full_proxy.php?app=49497528...Quote :
Hey, HUE Fans! The race is on for FREE leggings! Go to HUE NYC to post your snapshot of you or a pals best leggings look. Be one of the first 25 and well send you a FREE pair of HUE LEGGINGS. Best of all, if you dont win today, youll have 4 more chances. We will be giving away 25 pairs of LEGGINGS for the next 4 days starting at noon EDT daily!
-Become a fan of Hue on Facebook
-Click on the HUE NYC Tab.
-Click the Banner for the Free Leggings
-Upload a picture of you or a friend wearing leggings.
-First 25 daily will get an email shortly after confirming that you will be receiving a free pair of Hue Black Cotton Leggings
A couple of recent topics have brought up some issues with a decline in deals that are being posted, or threads not being updated as often. http://www.fullofdeals.com/forums/travel-discussion/1006714I want to use this thread to answer questions you might have, and gather ideas on what we can do to get the quality back. What would you like to see done to make the forum more appealing? Below you will find some replies to quotes Ive seen on other threads. I still wish we could go back to posting deals in Travel. I haven't been much of a contributor but basically every trip I've booked for the past 3 years has been booked as a result of information found in FW Travel Deals (NOT Travel Discussion). This forum was the perfect mixture of knowledge and deals.

You can post deals in travel. What we will do is leave a placeholder in travel deals so that those that choose to just frequent the "travel" forum can view the post. We then put the main thread in hot deals, so that the folks who don't visit the travel forum will be able to see it as well. If a travel deal is posted in hot deals, then we create a placeholder in travel so it is visible there as well.

There was an error that was causing those placeholders to not appear where they were supposed to go in the travel forum (chronologically) but that has now been fixed.


Several posters have pointed out were catering to the lazy, or newbies. From our point of view, thats not the case. We get just as frustrated by the Halp me plan a trip pl0x type threads when they obviously have not done the research that you havebut we arent going to allow the established members to flame those folks. Everyone was a new user at some point, and if you were flamed the first time you came here, chances are good you wouldnt stick around.

At least there was the entertainment factor when Mods were more tolerant of flaming (giving red and/or upbraiding) lazy posters.
Seriously though, a contentious, cranky set of posters is almost always better than nicey-nice pablum, as it involves passion, knowledge, and a commitment to improving the forum.
The forum has become much less useful and, frankly, boring.


We simply wont allow flaming of new or established users. It promotes a negative tone that directly impacts the perception members have of the site, and encourages others to post in a similar manner. We want a community of helpful, friendly, well informed members.

There are others that frequent these threads that give of their time freely & without any thanks. I can't tell you how many times I received a "warning" from a mod that I should be nice to the ignorant & illiterate...so I just stopped. I would imagine others feel/felt the same.

You dont have to be nice, we ask that if you dont wish to be nice, to ignore the thread. If you use the modern forum view, thats a matter of simply clicking the not interested toggle button.


There WERE a lot of good contributors to a potential knowledge base, but FW doesn't want to compile a "knowledge base", they want to archive or delete threads after they are a few months old, even really, really useful threads. If there is some kind of knowledge base that has been stored here, beyond what one can piece together from external search engines' memories, please let me know where it is.
Sticky-ing a thread seems to be the only way to keep it alive, and very few are stickied. The Travel threads that are stickied are kind of grandfathered in from the time when Travel had a pulse.


This isnt true. We can make sure that valuable threads NEVER archive. However, we need your help identifying those threads. Let us know which threads you want to keep around forever, were more than happy to make it so these threads dont archive.

But mods, you keep asking for feedback, then dont do anything! You didnt use my suggestion!!Guiltykind of. We cant always implement all the changes you want. We cant make it ideal for everyone. We want it to be ideal for as many people as we can. Weve taken steps to lock down the request threads that arent well researched. We insert a note asking for more information and moderate the thread. Short of deleting them outright, Im not sure what else we could do. We cant MAKE people do their own research, but perhaps if they dont get any responses and see the mod note, they will improve their post, and the thread can actually be of value.
Wow, this became quite a book. But Im more than happy to address any other questions Ive missed. We do want this to be your go to place to get deals, and perhaps addressing your concerns, and getting more feedback here will be a step in the right direction.
Traffic School On-Line $2 off Code
Added on : Thursday May 27th 2010 10:40:07 PM
Do you need to take an on-line traffic school to avoid getting points on your license? This was the cheapest I found for $8.50, and if you use the following code you can get $2 off. It's an easy course and gives you the answers after you take the test for the first time and then you have four more chances. I'm not sure why you would need four more chances if you are provided with the answers, plus it's pretty easy to pass without the answers.www.gototrafficschool.comcode for $2 off: X2C-5F9-A45
Can My Parents Retire on 1 Million Dollars?
Added on : Thursday May 27th 2010 04:40:03 PM
I'm getting opinions and suggestions for my parents. My Dad is 73 and my Mom is 68. They own four-plexes that are in not-so good to plain bad parts of town. They've been "managing" the properties themselves for years but are getting too old and tired to continue. They've never managed them properly either, in my opinion. They don't screen the tenants and they pay for that over and over. Tenants up and leave all the time, sometimes after just a few months, but not beforing totally trashing the place. Rents are paid late all the time, etc. etc.So, this brings me to my question. If they sold all of their properties, they would amount to over 1 million dollars. They're all paid off, as well as their home. How do I calculate how long their money would last them if they just sold everything? They live quite modestly, with no interest in travel or any hobbies or anything (sadly enough). Their main expense is my brother, who still requires a supplemental income from the parents, although he did finally get a job recently...Can you guys point me to calculators or tell me how to figure this out. I bet the answer is probably so simple, I'm going to feel stupid, but I'll take my chances. I'm sure you guys will have some good info to go with the insults...Thank you.
NCAA Football 10 / daily deal @ Amazon / xbox, ps3, psp & ps2
Added on : Monday May 10th 2010 01:40:06 PM
linkazon  * Practicing against an opponent's playbook during the week with up to 10 plays on offense in order to increase your chances against live competition.
* Experience the all-new Season Showdown, a career mode that includes Web-based games and a trivia challenges that sets players on the road to capturing the Heisman Trophy.
* The EA Sports TeamBuilder that allows you to build your favorite FCS, historical, or high school teams, and share them with the rest of the nation.
* An all-new play calling system featuring simplified game controls and playbooks makes NCAA Football 09 the most accessible college football game ever.
* Running back comboand other moves that allow you to set defenders like never before by stringing together multiple moves, including jukes, spins, and stiff arms.
Last week I was involved in rear end collision. I Stopped on a single lane road while a car was making a turn onto the left lane, truck stopped behind me as well. Nissan driver traveling at high speed ignored the stopped truck and double yellow line and attempted to overtake truck and noticed oncoming cars approaching on other side. His attempt to avoid oncoming car by trying to get back into lane in space between truck and my car but hitting the front driver side of the truck and hitting the driver side rear end of my Honda Civic. Nissan Car sustained a flat tire as well as damages to the front section of the car. Truck was also damaged as the axel had broken and was not in a position to turn both drivers had to call tow services to have the car moved. My Honda civic serverly damaged in the rear but drivable. Police arrived quickly and made a note of the accident, insurance companies are called as well. I am not aware if anyone is ticketed. I am just happy no one physically hurt. Situation gets ugly here I have only 3rd party insurance hence we wait 4 days for the police report and when it arrives clearly indicates that the Nissan driver is at fault, insurance companies take statements from me and truck driver and several attempts are made to contact the driver of the Nissan with no success(AWOL) my insurance and truck guy's insurance (same professive) only got in touch with the 2nd passenger of the Nissan but not the driver.Ant Farm Insurance who is responsible for Nissan Driver consider that the investigation is still on-going until they get a statement from the Nissan Driver and until then I am not eligible for any rental car or be in a position to pay for any repairs of the Honda. They refusing to make a judgement based on the police report. They say the steps they will take to contact the Nissan driver would take a minimum of 30 days where they will re-attempt to contact the Nissan Driver or try to get him to acknowledge a certified post and maybe even attempt to contact the Nissan driver personally. BUT Until that 30 days I am not eligible for ANYTHING (rental or repair cost)I tried to speak with the Ant farm agent and they give me the standard response. When I realized I am not getting anywhere I started to email them getting them to try and respond. my mechanic has already indicated that the car might be a write off since the damage is more than cost of the car (5k)(2001 Honda Civic but very low millage) I was reading the fatwallet article which cover diminished value but those were after the cars were repaired. what are my recourses here? anyone know any good accident lawyers in NJ? Should this be considered as a hit and run since the driver cannot be located? what chances do I have to claim loss of income, rental reimbursement repair and diminished value? How much do accident lawyers charge?(oh btw accident was in NY State but I live in NJ)
Amazon has these back below $11 again if you missed earlier chances. Free shipping with Prime or with order over $25.Link * 24-piece food storage container set keeps bases and lids together for easy, efficient storing
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Garmin nMaps Onetime Map Update for US Canada, $29.99 at Amazon
Added on : Saturday May 01st 2010 12:00:04 PM
Garmin nMaps Onetime Map Update for US & Canada, $29.99 at AmazonThis is for the Online Map Code, so no worries, it's a download! Only $30, compared $65 + shipping from the next best price. Works with both Windows and Mac platforms. Be sure to check if this code will work with your model Garmin (chances are good that it will). There's a tool available on the Amazon page that will help in this.Lots of map updates released in November 2009! If you have a garmin, be sure to update the maps with this software and map package. Over 500,000 miles of road was added and about 6 million points of interest. A must-have for the traveler with GPS.(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Only $30 for this GPS map software download, compared to $65 + shipping from the next best price. Works with both Windows and Mac platforms.
Be sure to use the tool available on the Amazon page to check if this code will work with your model Garmin (chances are good that it will).Lots of map updates released in November 2009! If you have a Garmin, be sure to update the maps with this software and map package. Over 500,000 miles of road was added and about 6 million points of interest. A must-have for the traveler with GPS.No shipping charges because this is a download!
Printing Your Own Credit Cards
Added on : Monday April 26th 2010 02:30:02 PM
This is going to sound like a joke but for some people here it would be worthwhile. This idea is less useful now with low interest rates and tight credit, but imagine the market 5 years when considering this, and if that market returns then this implementation may work.Can we make our own Credit Cards, burning our own magnetic strip information into the card?The purpose for this, is that some of us here have 100 credit cards from AORs. Keeping the CCs in a sock drawer is OK but how about if you want to use one and have to shuffle through them? Or when a new card comes in the mail, and you have to go through them to throw out the expired one.What if instead, you took all your CCs, created a database of the magnetic strip information, linked it to your financial spreadsheets so you know when BT payments are due.If you need to use a credit card, you simply burn the magnetic stripe data to the card, and then you can use it. Of course your daily spend cards (2% Schwab, Penfed, etc) are kept intact. All the cards that you never normally use, you record the mag stripe data, and shred the card. The chances of you needing to use that card are slim, but if you do need to use it, then you can burn it to another card.Downside would be that the card number wouldnt be accurately printed on the card, nor the security code on the back so if the card was to be used in an environment where a clerk must manually look, then it wouldnt work.No fraud is intended or implied by this method. It's just a way to get rid of all the credit cards, while still retaining the ability to use one if necessary.
How to buy a new car, FWF style
Added on : Saturday April 24th 2010 12:30:02 PM
This affair comes up a lot, and there are altered approaches to accomplish the aforementioned goal. I buy a lot of cars, and handle those affairs for my continued ancestors and friends. In accomplishing so, I accede the ROI of the time all-important to do this. So, throughout the years I accept automated this process. Some deals I accept even done afterwards anytime traveling to the dealership, and accepting the cars delivered beeline to my house.1) Aboriginal and foremost is to do your research. You charge to apperceive absolutely what you want, and what you're accommodating to spend. As you all know, the Internet is a actual admired tool. So use it to your advantage, go to Edmunds.com, enthusiast forums of the car(s) you like, and acquisition out the dealers amount (don't overlook authority back, this varies amid mfg's), incentive's, etc. Abounding dealers will acquaint asinine deals if in actuality these are mfg incentive's that you can see just by accomplishing the research. Ie: barter in an earlier archetypal car of the aforementioned mfg and get $2,000 for "loyalty". 2) Select the exact car, and archetypal you want. Unlike some admonition accustomed elsewhere, PICK the blush and appearance you want, exactly. Let's face it, if you're affairs a new car.. you charge to get what you want. Don't cede unless it's for banking affidavit and you do not ambition to absorb the money on upgraded features. 3) If you accept to go to a dealership and analysis drive car(s), again do so quickly. Aboriginal attending up the dealership, acquisition out who does Internet or agile sales. If they don't accept these department's and they're a baby dealership, go beeline to the owner, or the owner's son or ancestors affiliate who would again handle sales. Acquaint them you accept no ambition of crumbling their time, but you are absorbed in a assertive MODEL (don't get into data or accessories of a specific car on that lot) and say you'd like to drive that car (don't anguish about every animal comfort, just the archetypal car.. hopefully aforementioned engine you want, stick/auto, etc) and again ask for their business agenda and that you will acquaintance them soon. Do NOT altercate aggressive cars, features, financing, etc. If he insists on benumbed with you in the analysis drive, just change the accountable and altercate claimed interests of his. Ie: if you saw in his appointment that he has a agglomeration or horse pictures, again allocution about horses. But afterwards that's done. Acknowledge him for his time, acquaint him you will be in acquaintance and leave quickly.4) Once you accept called the exact car details, adjudge on your banking situation. If you are paying cash, apperceive your OUT THE DOOR absolute price. If you are financing, again amount this out first. For example, abounding mfg's action abundant costs incentive's such as 0% APR for 36-months (or even 60-months nowadays it seems is not all that unusual), but for those approved costs deals again defended your own costs from anyone like basic one auto accounts so you do your accord as a CASH accord (capital one gives you a bare check, with a preapproved acclaim limit). If you're costs through the dealership, apperceive your FICO annual and banking ability. You accept to apperceive you can allow this car afore affective forward.5) Now that you accept done your homework, you charge to abridge the annual of dealers! This can be quick, or it can be time consuming. The mfg of the car, the dealerships systems/websites, radius, etc will aftereffect this. I never go beneath than 50 miles, but I accept gone as far as 1,000 afar if including humans in my list. If I purchased a Corvette I fabricated it a point to cover the bigger dealership on this ancillary of the country because I knew aggregate meant discount. They had added allowance to move on amount than my bounded dealerships who almost anytime confused Corvettes. At the end of the deal, the car was delivered to my foreground aperture in an amid bivouac from about 1,000 afar abroad cheaper than any afterpiece banker could do it afterwards shipment costs. If you're ambidextrous with specialty or high-end cars the amount aberration could actual able-bodied be abundant to absolve the shipping, or your biking costs in acrimonious up the car. If a car costs $40K+, you ambition to yield this into consideration. Again you accept things like European supply on European cars. You can go to Europe, flights on the mfg, a auberge allowance for a night, and a bargain amount on the car, drive your car about Europe for a while, get a bout of the ability in Germany, again they address your car aback home for beneath again the amount you could buy it new afterwards that option.6) Once you accept aggregate your list, you will apparently accept some time. Why? You ambition to delay until the endure anniversary of the month, or even the endure anniversary of the division if accessible (no incentive's expiring, active out of endure years models, etc). Now this is area you will get assorted results. Some dealerships will NOT run on a month-to-month budget, or may not fun their budgetary agenda on a accustomed agenda months, but MOST DO. So, use this to your advantage! Business is business, and dealerships charge CASH. They accept multi-million dollar attic plans, payroll, utilities, and added business costs and accept to accomplish payments to behindhand of profit. This is distinctively accessible if you're ambidextrous with your own cash, or a bare analysis financing, as the dealership gets that banknote the aforementioned day you do the deal.7) With your time, abridge your Email annual of recipients. You ambition a simple, beeline advanced Email that will be beatific to potentially 30 or added dealerships. I don't go and just forward out Emails to every dealership I appear across. I will bound seek for the bigger aggregate dealerships (and if there's a HUGE one states away, cover them too) and try to ambition their Internet/fleet sales Email address's.8) Write your Email. Accumulate it abbreviate and sweet. Be professional, but not too formal. You're not addessing a dealership or being by name, this is ONE Email that gets beatific to everyone. Write that you apperceive absolutely what you want, and acquaint them absolutely what you want, every feature, and blush (use advantage codes, again they apperceive you apperceive what you're talking about and will accept you apperceive their amount on it as well) and that you ambition to abutting this accord by the end of the anniversary (will get added into that later). Politely ask them to be abiding the accord they action is already accustomed at the dealership, and that they don't accept to go and get approval from the manager, owner, etc later. You ambition something that the salesman is accessible to abutting on. Remember ROI, don't decay any added time. If your annual is long, acquaint them they accept ONE adventitious to acquire your business and abode the bid accordingly. If it's shorter, again acquaint them to action the best amount and ASK THEM FOR THEIR DIRECT PHONE NUMBER. Why? They apperceive you're serious, and you will yield this to the phones. But they accept to acquire your absorption aboriginal with the starting price.9) Aback to timing, get accessible to blaze off that Email. You ambition to forward this just a brace canicule afore the end of the week, and end of the month. So for example, next Wednesday if you're ambidextrous on a ample Email list, or Friday for a LOCAL dealership annual only, and you're accessible that day. Acquaint them your zip code, and you ambition the adduce at the OUT THE DOOR PRICE for a CASH deal. If you're accomplishing a bare analysis financing, again you just acquaint them afterwards to add the amount of the affirmation to the appellation for the financing. Don't acknowledgment that from the alpha admitting there's no need. Salesmen get in a altered mindset if you say costs but if you accept the bare analysis in duke again it's a altered blazon of accord because costs to them is NOT a abiding thing, and if they're alive the table to get you your accord that will aching their chances. Aswell if you do it on the endure day, TELL THEM YOU WANT TO CLOSE TODAY AND WILL GO TO THE DEALERSHIP ONCE AN AGREEMENT IS MADE. AND DON'T LIE. MAKE SURE YOU'RE AVAILABLE TO GO. This can be added able than beyond Email campaigns if you absolutely hit an burning dealership. I denticulate an alarming accord on a new Jeep liberty, able-bodied beneath banker amount (not including incentives) this way as the banker was actually canicule from traveling beneath and HAD to accept banknote to break afloat. It didn't amount that they absent over $2,000 (after authority back) in the deal, it was addition $19K they wouldn't accept had in their coffer annual contrarily that day.10) The day has come, it's now 8 AM. Forward off those Emails.. be abiding to BCC anybody so no one knows who it's traveling to. This is important it's done early. If you wish, leave your buzz amount in the Email but this is alone recommended for those that can handle it. I've beat an absolute day on the buzz accomplishing this before, but I am a business man myself and am actual affecting on the buzz so I could accumulate the salesmen in check, and focused, but it was for a $60K+ car and the accumulation to me was account it as buzz conversations WILL accomplish the dealerships added comfortable. They like audition your voice, alive you're serious, alive you're able of affairs immediately, and of advance they like the befalling to accomplish some money too but if you're abutting but polite, you'll be fine.11) Accord it time, don't accomplish a fast charge to anyone. Even if you see an action appear in an hour that's already beneath invoice.. if it's two canicule afore the end of the anniversary or month, accord it the abounding day. If this is the endure day deal, accord it till about apex to accessible the aperture to yield negotiations further. Because if you're traveling to accord that day, you charge to accord the dealership time to apple-pie up the car, draw up the paperwork, for you to get there, etc.12) Now is the time to accommodate further. Let's say you accept three abundant deals all aural a brace hundred dollars from abutting dealerships. Get on the buzz with all of them, get them to attempt for your business. Aboriginal ask them if the car is there, or do they charge to do a banker trade. If it's there, again they are accessible to move quick. If it's a banker trade, they actual able-bodied could be trading at one of your added best behest dealerships, but in that case they accept to lose a car of their own (and it's usually a bigger car) and drive to the added dealership and do that accord with them first. This will DOUBTFULLY aftereffect in a bigger accord for you, but if they are absolutely the everyman applicant already.. again you may ambition to accede demography a hit on a affection or blush as they will go lower for a car they accept on their lot if they accept a abutting bout to what you want. Maybe $300-1000, sometimes even added if it's a specialty vehicle.Remember, we're arena the allowance that you'll acquisition a dealership that NEEDS the cash, so a actual baby amount of dealerships will fit into this class and that is your befalling to annual the best deal. This can aswell appear if you acquisition a dealership that purchased some cars that they are accepting a actual boxy time affairs locally because no one capital them. For example, I bought a mercedes-benz 4matic a accompaniment abroad because they had a few in banal they could not sell. No one capital 4matic's as they don't get abundant snow but anticipation they would sell, they've been sitting on the lot for ~6 months so they just capital to move them.Be honest, polite, and professional, and accept fun. Remember, even if the banker is accident money it doesn't beggarly they don't charge the accord or the salesman will not accomplish a commission. To abounding dealers, sometimes any accord is bigger than none if they're in a bind. And don't overlook the old rule, banknote is king. If accessible you're abundant bigger off bringing your own cash, or bare analysis costs to the table.This is optional, but recommended. Because I accord dealers a harder time, I accompany two $50 allowance cards (or a $100 mortons allowance card! address AMEX rewards points) if I close, and accord it to who I accord with, or bisected to the manager/owner if I apperceive they were awful complex in the accord and the one absolutely authoritative the concessions for me. There's no agnosticism they are alive for you accord and authoritative sacrifices so you should be thankful, polite, and absolute with the advice you accord them. This is just a final acknowledge you as I never ambition to bake a arch with anyone I accord with, and contrarily they may accept a absinthian aftertaste in their aperture of the deal.*DISCLAIMER: This will not consistently accomplish beneath amount results. On the accomplished demand, new model, and bound cars abounding dealers artlessly cannot accompany in added cars as they accept accomplished their allocation limits. If they're affective every car they appear in with acceptable profit, they will not advertise it to you at a loss, no amount how quick and simple your accord is. They may beating a few hundred off but don't apprehend the world.*

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