Home » Search "College" Results

College hot deals search results



 1 2 3 4 5 6 7 >  Last ›
NCAA Hoodies Sweatpants (Mix Match) - 2 for $40 w/ FS at Finish Line
Added on : Wednesday September 17th 2014 12:00:07 PM
g: 0 Posted By: jskins
Views: 206 Replies: 3 NCAA Hoodies & Sweatpants (Mix & Match)- 2 for $40.00 with free shipping at Finish Line.

These hoodies and sweatpants are on sale for $30...Add any two to cart (mix and match) to reach $60 - $20 off in cart = $40 with free shipping.


Couple Notables:
Wisconsin Badgers Women's College Pullover Hoodie(Mix and Match 2 for $20)
http://www.finishline.com/store/product?A=5359&categoryId=ncaa_Wisconsin+Badgers&productId=prod755707

Colosseum Texas Longhorns Women's College Side Screen Print Pants​(Mix and Match 2 for $20)
http://www.finishline.com/store/product?A=1869&categoryId=ncaa_Texas+Longhorns&productId=prod756275

​Florida State Seminoles Men's College Pullover Hoodie(Mix and Match 2 for $20)
http://www.finishline.com/store/product/men-s-florida-state-seminoles-college-pullover-hoodie?categoryId=cat304231&productId=prod755269

Colosseum Illinois Fighting Illini Kids' College Side Screen Print Pants​(Mix and Match 2 for $20)
http://www.finishline.com/store/product?A=34263&categoryId=ncaa_Illinois+Fighting+Illini&productId=prod756033

Fatwallet seems to be redirecting the links so you will have to copy and paste these. Sorry for theinconvenience.
Clothing Deals

Finish Line Coupons
Spouse wants hobby account how to do it?
Added on : Monday September 15th 2014 01:00:08 PM
g: 0 Posted By: MoneyOCD
Views: 881 Replies: 46 Changed "allowance" to "hobby account" to eliminate wrongperceptions.

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

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

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

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

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

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

Thanks in advance
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 261 Replies: 0 get extra $50 off with .edu email - www.bestbuy.com/site/global/college-student-deals/pcmcat27620005...

10.5" Super AMOLED touch screen with WQXGA (2560 x 1600) resolution
Makes navigation simple and presents media in stunning clarity.
Android 4.4 KitKat
Allows you to remain connected and productive on the go.
32GB storage capacity
Offers plenty of room for pictures, videos, music and other important files.
Octa-core processor
Samsung Exynos 5 Octa features dual quad-core processors with 1.9GHz and 1.3GHz processor speeds, plus 3GB RAM for efficient performance.
2.4GHz + 5.0GHz Wi-Fi (802.11a/b/g/n/ac)
With mimo technology enables rapid Internet connectivity.
Bluetooth 4.0 + LE interface
Allows easy wireless pairing with compatible Bluetooth-enabled devices.
Multi Window
Enables you to view 2 apps simultaneously and drag and drop content from one to the other.
Smart Switch
Makes it easy to move contacts, photos and media when you upgrade.
Sidesync
Lets you view and control your Samsung Galaxy S 5 from the tablet.
8.0MP rear-facing camera with an LED flash
Along with a 2.1MP front-facing camera enables you to capture special moments to share with loved ones.
microSD slot
Accepts compatible cards up to 128GB (not included) for easy expansion.
Fingerprint reader
Helps keep private information secure.
Built-in stereo speakers
Allow you to enjoy your favorite music on the go.
Preloaded apps
Include Hancom Viewer, Hancom Office, KNOX, S-Voice, SideSync 3.0, Remote PC, WatchON, WebEX, dropbox, Flipboard, New York Times, Kids Mode, Memo, Music, Samsung Apps and more for versatility.
Preloaded content and services
Include Galaxy Gifts, WatchON, Paper Garden, Milk Music and more.

www.bestbuy.com/site/samsung-galaxy-tab-s-10-5-32gb/7093009.p?id...
Tablets & iPads Deals

Best Buy Coupons
g: 0 Posted By: st4rdust
Views: 271 Replies: 0 Best Buy has theiPad mini w/ Retina Displayon sale for$324.99with free shipping. Available in Silver/White or Space Grey/Black.

4.8/5 stars based on 1,451 customer reviews.

7.9" Retina Backlit LEDDisplay (2048 x 1536)
16GB Internal Storage
A7 Chip
Apple iOS 7
1 Year Limited Warranty



You can get this down to $275 with an .edu email address coupon, free to sign up for here.
iPads Deals

Best Buy Coupons
iPad mini w/ Retina Display (White or Black) - $324.99 + FS @ Best Buy
Added on : Saturday September 13th 2014 08:00:04 PM
g: 0 Posted By: st4rdust
Views: 171 Replies: 0 Best Buy has theiPad mini w/ Retina Displayon sale for$324.99with free shipping. Available in Silver/White or Space Grey/Black.

4.8/5 stars based on 1,451 customer reviews.

7.9" Retina Backlit LEDDisplay (2048 x 1536)
16GB Internal Storage
A7 Chip
Apple iOS 7
1 Year Limited Warranty



You can get this down to $275 with an .edu email address coupon, free to sign up for here.
iPads Deals

Best Buy Coupons
Financial Considerations of Going (Back) to College
Added on : Saturday September 13th 2014 01:00:09 PM
g: 0 Posted By: nameunknown
Views: 46 Replies: 0 As a professional, partway into my career, I am considering going back to college to pick up an additional degree that will help me up the next rung in the corporate ladder.

Obviously, increased earning potential is probably to most common reason to go to college. Potentially, job stability and better benefits from one's employer are also advantages. The purpose of this post is to look at other parts of the financial picture; especially ways to cut cost and opportunities for savings and/or deals that are not available to non-college students.

1. Tuition reimbursement by employer. My particular employer pays 75% of the cost for grade of C or better.

2. American Opportunity Tax Credit - Available for only the first 4 years of post secondary education. Includes expenses for course-related books, supplies and equipmentthat are not necessarily paid to the educational institution Covers up to 100% of the first $2000 plus 25% of the next $2000 for a maximum benefit of $2500 per year of which 40% is refundable. Phased out with MAGI greater than $80k (single) or $160k for MFJ. Must be enrolled at least half time. More details: http://www.irs.gov/publications/p970/ch02.html

3. Lifetime Earning Credit - Can be used for undergraduate, graduate, and professional degree course, including courses to acquire or improve job skills. No limit on the number of years you may claim the credit. This is a nonrefundable 20% credit for the first $10,000 of qualified expenses. Phased out above $47k (single) or $94k for joint filers. No limit on the number years the credit may be claimed. More details: http://www.irs.gov/publications/p970/ch03.html

Unfortunately, for both of the credits listed above, it appears double dipping is not allowed. Employer reimbursements are deducted and the tax credits are applied only on the remaining amounts.

4. Microsoft Office 356 University is only $80 for a 4 year subscription for eligible students, faculty, and staff. Requires verification. Can be installed on 2 devices. (A one year subscription to Office 365 Personal is $70 and can only be installed on a single device.)

Please feel free to add to this list!
Question Deals
g: 3 Posted By: VivYip
Views: 608 Replies: 3 credit niniss

the Staples weekly ad is up for the week of 9/14:

front page related
$299.90 Dell, Inspiron Laptop, 15.6", 500GB Hard Drive , 4GB Single Channel DDR3L 1600MHz,AMD Quad Core
Item: 1065204
Model: I3541-2000BLK
4GB Single Channel DDR3L 1600MHz (4GBx1)
Premium performance thats easy to use and easy to carry.
Rip, burn and play your media files with an available built-in optical drive.
1 USB 3.0 port and 2 USB 2.0 ports: For fast digital video, audio and data transfer.
15.6 inch LED Backlit Touch Display with HD resolution (1366 x 768)
The built-in media card reader makes it easy to transfer videos and photos from your camera while USB 3.0 lets you transfer files to external storage.
Integrated Video
Wireless-N
Windows 8.1
1 Year warranty
2x ink recycle rewards promo hhen you purchase $60 of HP ink or $200 of HP toner (limit 5)


paper related
$3AR Hammermill 8.5" x 11" Copy Plus copy paper, 500 sheets/ream 122408(limit 4, possible coupon to make it FAC/R on sunday)
B1G2 Staples Multipurpose Paper, 8 1/2" x 11", Ream 513099(limit 2, credit mathfaster)
B1G1 Staples
B2G1 5 and 10 ream cases
B1G1 Epson photo paper

$1 items
Staples poly 1-subject notebook, 8" x 10.5", 70 sheets 127172,919353
BIC Atlantis Retractable Ballpoint Pens, Medium Point, Black, 4/Pack 451893

50% off
Locker accessories
Pencil pouches, cases and boxes
All backpacks

copy/print related
19.99 Customize large poster, 24" x 36"
24.99 Customize medium banner, 4' x 2.5'
66435 20% off color print services
Valid 9/14/1411/1/14 in Staples U.S. stores and online on color Copy & Print services with coupon only. Membership number must be supplied during purchase to receive benefits. The following services are excluded from this offer: Self-Serve Copies, Black & White Full-Serve Copies, Computer Workstation, Finishing Services, Staples Promotional Products, UPS & USPS shipping, Faxing, Scanning, Shredding and create.Staples.com. Purchase a qualifying item and earn 20% back in Staples Rewards. Standard percent back in Staples Rewards will be excluded. Not valid on prior purchases. Web-submitted orders for pickup in store must be paid for in store in order to receive the offer. Price eligible is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Customer may only qualify for one promotion in a single transaction. Staples Rewards are issued online monthly in increments of $5. Rewards expire the last day of the month following the month in which they are issued and cannot be redeemed after the expiration date. Monthly balances of less than $5 will roll over through the end of the following calendar quarter. Unissued rewards will expire at the end of the following calendar quarter unless a qualifying purchase is made during that rollover period.


breakroom/cleaning related
$5 for 2 Purell instant hand sanitizer, 8 oz 320863,824874
55274 20% off K-Cup packs
7.99AC Charmin Basic Bath Tissue Rolls, 1-Ply, 16 Rolls/Case 833825
7.99AC Bounty Basic Paper Towel Rolls, 8 Giant Rolls/Pack 486091

other
149.99 QuickBooks Pro 2014 264292, 264287 (monday and tuesday only)
79.99 Logitech MK710 wireless keyboard/mouse set 869097
249.99 ASUS, X551MAV-RCLN06, 15.6" Laptop, 4GB Memory, 500GB Hard Drive, Intel Celeron
Item: 1064935
Model: X551MAV-RCLN06
The ASUS X Series is the perfect laptop for work and play. Experience an all-around 15.6" notebook with user-centric features for everyday computing that include an Intel Celeron processor, for impressive performance, Super-Multi DVD/RW and high quality audio courtesy of ASUS SonicMaster technology for a truly satisfying multimedia experience.
Intel Celeron N2830
4GB DDR3L memory: For multitasking power, not expandable.
True 2-second Instant on
15.6" LED-backlit high-definition widescreen display. Features ASUS Splendid Technology, enhancing the display, providing richer, deeper colors and life-like visuals.
Multiformat DVD/RW drive. Create, customize and enjoy your favorite CDs and DVDs
Intel HD Graphics: Give you the power to you watch your favorite HD videos with crisp imagery, view and edit even the smallest details of your photos and smoothly play todays modern games.
Built-in webcam with microphone: Makes it easy to video chat with friends, family or enjoy web conferences.
SD card reader
1 USB 3.0 port and 1 USB 2.0 port: Transfer digital video, audio and data in a snap. Enjoy the USB 3.0 that's ten times faster than USB 2.0 and with two ports at your fingertips, you can save photos, transfer music and open multi-gigabyte video files in a fraction of the time with compatible storage.
Built-in high-speed wireless LAN (802.11b/g/n): Ensures a smooth a connection to the Internet without wires.
Windows 8.1 with Bing
69.99 Brother HL-2240 laser printer 886402(tiny note that I personally prefer $49.99, but this could be worse)
19.99 Brother PT-H100 Easy Handheld Label Maker 931367


links and rebate info will be added and updated ASAP. (links are reference purposes only; rebates on sunday when they go live)
Hope this might help someone. Thank you for reading.
Computers Deals

Staples Coupons
g: 2 Posted By: VivYip
Views: 394 Replies: 3 credit niniss

the Staples weekly ad is up for the week of 9/14:

front page related
$299.90 Dell, Inspiron Laptop, 15.6", 500GB Hard Drive , 4GB Single Channel DDR3L 1600MHz,AMD Quad Core
Item: 1065204
Model: I3541-2000BLK
4GB Single Channel DDR3L 1600MHz (4GBx1)
Premium performance thats easy to use and easy to carry.
Rip, burn and play your media files with an available built-in optical drive.
1 USB 3.0 port and 2 USB 2.0 ports: For fast digital video, audio and data transfer.
15.6 inch LED Backlit Touch Display with HD resolution (1366 x 768)
The built-in media card reader makes it easy to transfer videos and photos from your camera while USB 3.0 lets you transfer files to external storage.
Integrated Video
Wireless-N
Windows 8.1
1 Year warranty
2x ink recycle rewards promo hhen you purchase $60 of HP ink or $200 of HP toner (limit 5)


paper related
$3AR Hammermill 8.5" x 11" Copy Plus copy paper, 500 sheets/ream 122408(limit 4, possible coupon to make it FAC/R on sunday)
B1G2 Staples Multipurpose Paper, 8 1/2" x 11", Ream 513099(limit 2, credit mathfaster)
B1G1 Staples
B2G1 5 and 10 ream cases
B1G1 Epson photo paper

$1 items
Staples poly 1-subject notebook, 8" x 10.5", 70 sheets 127172,919353
BIC Atlantis Retractable Ballpoint Pens, Medium Point, Black, 4/Pack 451893

50% off
Locker accessories
Pencil pouches, cases and boxes
All backpacks

copy/print related
19.99 Customize large poster, 24" x 36"
24.99 Customize medium banner, 4' x 2.5'
66435 20% off color print services
Valid 9/14/1411/1/14 in Staples U.S. stores and online on color Copy & Print services with coupon only. Membership number must be supplied during purchase to receive benefits. The following services are excluded from this offer: Self-Serve Copies, Black & White Full-Serve Copies, Computer Workstation, Finishing Services, Staples Promotional Products, UPS & USPS shipping, Faxing, Scanning, Shredding and create.Staples.com. Purchase a qualifying item and earn 20% back in Staples Rewards. Standard percent back in Staples Rewards will be excluded. Not valid on prior purchases. Web-submitted orders for pickup in store must be paid for in store in order to receive the offer. Price eligible is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Customer may only qualify for one promotion in a single transaction. Staples Rewards are issued online monthly in increments of $5. Rewards expire the last day of the month following the month in which they are issued and cannot be redeemed after the expiration date. Monthly balances of less than $5 will roll over through the end of the following calendar quarter. Unissued rewards will expire at the end of the following calendar quarter unless a qualifying purchase is made during that rollover period.


breakroom/cleaning related
$5 for 2 Purell instant hand sanitizer, 8 oz 320863,824874
55274 20% off K-Cup packs
7.99AC Charmin Basic Bath Tissue Rolls, 1-Ply, 16 Rolls/Case 833825
7.99AC Bounty Basic Paper Towel Rolls, 8 Giant Rolls/Pack 486091

other
149.99 QuickBooks Pro 2014 264292, 264287 (monday and tuesday only)
79.99 Logitech MK710 wireless keyboard/mouse set 869097
249.99 ASUS, X551MAV-RCLN06, 15.6" Laptop, 4GB Memory, 500GB Hard Drive, Intel Celeron
Item: 1064935
Model: X551MAV-RCLN06
The ASUS X Series is the perfect laptop for work and play. Experience an all-around 15.6" notebook with user-centric features for everyday computing that include an Intel Celeron processor, for impressive performance, Super-Multi DVD/RW and high quality audio courtesy of ASUS SonicMaster technology for a truly satisfying multimedia experience.
Intel Celeron N2830
4GB DDR3L memory: For multitasking power, not expandable.
True 2-second Instant on
15.6" LED-backlit high-definition widescreen display. Features ASUS Splendid Technology, enhancing the display, providing richer, deeper colors and life-like visuals.
Multiformat DVD/RW drive. Create, customize and enjoy your favorite CDs and DVDs
Intel HD Graphics: Give you the power to you watch your favorite HD videos with crisp imagery, view and edit even the smallest details of your photos and smoothly play todays modern games.
Built-in webcam with microphone: Makes it easy to video chat with friends, family or enjoy web conferences.
SD card reader
1 USB 3.0 port and 1 USB 2.0 port: Transfer digital video, audio and data in a snap. Enjoy the USB 3.0 that's ten times faster than USB 2.0 and with two ports at your fingertips, you can save photos, transfer music and open multi-gigabyte video files in a fraction of the time with compatible storage.
Built-in high-speed wireless LAN (802.11b/g/n): Ensures a smooth a connection to the Internet without wires.
Windows 8.1 with Bing
69.99 Brother HL-2240 laser printer 886402(tiny note that I personally prefer $49.99, but this could be worse)
19.99 Brother PT-H100 Easy Handheld Label Maker 931367


links and rebate info will be added and updated ASAP. (links are reference purposes only; rebates on sunday when they go live)
Hope this might help someone. Thank you for reading.
Computers Deals

Staples Coupons
g: 0 Posted By: BADADVICE
Views: 151 Replies: 4 http://www.washingtonpost.com/blogs/wonkblog/wp/2014/09/11/where...

Interestingly, the Naval Academy grads have both a higher starting and higher mid career salary than those who graduate from either MIT or any of the Ivy League schools.


Discussion Deals
New Obama budget may require Roth IRA distrubution at 70 1/2
Added on : Monday September 08th 2014 02:00:10 AM
g: 0 Posted By: stormdog123
Views: 94 Replies: 1 http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs...
[L=http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs... said: http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs-1410120116?ru=yahoo?mod=yahoo_itp]Two[/L] proposals in President Obama's 2015 budget, if approved, would change all that. The first would require Roth owners to start taking distributions at age 70. If that happens, "that asset pool might be pretty much wiped out by the time I get to leave anything to my heirs," says Jamie Hopkins, a professor in the retirement income program at the American College in Bryn Mawr, Pa. The second would end the ability of nonspousal IRA beneficiaries to stretch distributions. Instead, inherited IRAs would have to be disbursed within five years of the owner's death. (Certain beneficiaries would be exempt.)

It is just a proposal now. I hope this does not pass.

Discussion Deals
Local newspaper article can help save on a college education.
Added on : Friday September 05th 2014 07:00:12 AM
g: 0 Posted By: scatti
Views: 20 Replies: 0 To reduce the cost of a college education, know the right questions to ask.

One way that a student can significantly reduce his or her college costs is by looking carefully at the credit transfer process. Completing the first two years at a community college by taking core curriculum classes can help students earn transferable credits while keeping their cost of tuition low. The majority of these core classes transfer because most of the colleges and universities are evaluated by the same accrediting agencythe Middle States Association of Colleges and Schools. This agency sets the standard by which courses and curriculum must be maintained.

As a starting point, students should find out if the institutions that they are considering have this accreditation.

The key to the transfer of credits and courses is to work closely, very closely, with the admission staffs of each institution. In my admissions career, I always felt it better to work with the student during the first two years so that they will transfer to your institution for the last two. Because of financial and/or personal constraints, many students will need to utilize this approach to earn their degree; therefore, good advice can only benefit the student and the college in the end.

As a potential transfer student, you must have a clear answer as to whether the school will accept the course(s) as direct equivalents to their courses or will they only be accepting the credit hours. Accepting only the credit hours will likely mean that you will have to repeat the course at the accepting institution. Also, what grade is required to have the course transfer? Typically, this would be a C or better, but each institution could have its own variance on this requirement.

One question that I was frequently asked was how many credits will we accept? A school can accept as many or as few as they want. The key question here is to ask how many credits I will need to earn to graduate in a specific degree program after I transfer. Many degrees have specific requirements that must be completed at the degree-granting institution.

As an illustration, lets assume that a student wishes to become a certified public accountant. To do so, the student typically needs to earn a bachelors degree in accounting with additional coursework totaling around 150 credit hours. No college or university can grant the CPA. A student must pass a state monitored exam to earn this certification. It may also include experience in the field. The point being is that a student can begin to earn their degree requirements at a community college and then finish at a bachelor-degree granting institution.

Never eliminate any college in your initial search regardless of your financial situation. Most scholarships offered by four year institutions are front-ended. This simply means that they are going to offer most of their scholarship dollars to potential first-year students. Make application to these colleges and see what they are offering. It might be to your benefit to start at a four-year school when you calculate the costs over that period of time. Discounting tuition is a common practice. Be sure to explore this possibility so you can decide on the best course of action to obtain your degree.

The key to the transfer process is not to be concerned about where or how you start your college experience. In my career, I used the following question to make this point: How many have ever asked their physician where he/she took CHEM 101? If past experience dictates, then the answer in none. Why? Because your family doctor has a degree from a medical school and has passed the state boards to practice medicine, therefore no one really cares where they took CHEM 101? Remember its not where you start but that you finish.

Emory Guffrovich earned his BS and MA after completing a tour of duty in Vietnam. Having spent 35-plus years in the college admissions field, he recently retired as the director of enrollment management at Penn State Lehigh Valley
General Economics Deals
Free Initial Pet Health Exam New Clients
Added on : Thursday September 04th 2014 04:00:05 PM
g: 0 Posted By: Redmaggie
Views: 48 Replies: 0 http://www.vcahospitals.com/main/offer

Free Initial Pet Health Exam


Free Initial Pet Health Exam for Dogs and Cats
FREE pet health exam at your neighborhood VCA Animal Hospital!

It's a risk-free way for you to see the care and special attention we give to each pet at our hospitals.



AlabamaVCA Becker Animal Hospital
Homewood, AL
Hospital WebsiteAlaskaVCA Alpine Animal Hospital
Anchorage, AK
Hospital WebsiteVCA East Anchorage Animal Hospital
Anchorage, AK
Hospital WebsiteVCA Bering Sea Animal Hospital
Anchorage, AK
Hospital WebsiteVCA Alaska Pet Care Animal Hospital
Anchorage, AK
Hospital WebsiteVCA Eagle River Animal Hospital
Eagle River, AK
Hospital WebsiteArizonaVCA Apache Junction Animal Hospital
Apache Junction, AZ
Hospital WebsiteVCA Mesa Animal Hospital
Mesa, AZ
Hospital WebsiteVCA Northern Animal Hospital
Phoenix, AZ
Hospital WebsiteVCA Mountain View Animal Hospital
Phoenix, AZ
Hospital WebsiteVCA Phoenix West Animal Hospital
Phoenix, AZ
Hospital WebsiteVCA Thumb Butte Animal Hospital
Prescott, AZ
Hospital WebsiteVCA McCormick Ranch Animal Hospital and Pet Care Center
Scottsdale, AZ
Hospital WebsiteVCA Apache Animal Hospital
Sierra Vista, AZ
Hospital WebsiteVCA El Mirage Animal Hospital
Surprise, AZ
Hospital WebsiteVCA Elliot Park Animal Hospital
Tempe, AZ
Hospital WebsiteVCA Tri City Animal Hospital and Acacia Cat Hospital
Tempe, AZ
Hospital WebsiteVCA Animal Medical Center of Tucson
Tucson, AZ
Hospital WebsiteCaliforniaVCA Albany Animal Hospital
Albany, CA
Hospital WebsiteVCA Mission Animal Hospital
Alhambra, CA
Hospital WebsiteVCA Gateway Animal Hospital
Anderson, CA
Hospital WebsiteVCA South County Animal Hospital
Arroyo Grande, CA
Hospital WebsiteVCA Benicia Animal Hospital
Benicia, CA
Hospital WebsiteVCA Lakeside Animal Hospital
Big Bear City, CA
Hospital WebsiteVCA Animal Hospital (Burbank)
Burbank, CA
Hospital WebsiteVCA Winchester Animal Hospital
Campbell, CA
Hospital WebsiteVCA Bascom Animal Hospital
Campbell, CA
Hospital WebsiteVCA Sacramento Animal Medical Group
Carmichael, CA
Hospital WebsiteVCA Lakewood Animal Hospital
Cerritos, CA
Hospital WebsiteVCA Bonita Animal Hospital
Chula Vista, CA
Hospital WebsiteVCA Monte Vista Animal Hospital
Concord, CA
Hospital WebsiteVCA Aacacia Animal Hospital
Corona, CA
Hospital WebsiteVCA Madera Pet Hospital
Corte Madera, CA
Hospital WebsiteVCA College Park - Ana Brook Animal Hospital
Cypress, CA
Hospital WebsiteVCA Animal Medical Center of El Cajon
El Cajon, CA
Hospital WebsiteVCA Elk Grove Animal Hospital
Elk Grove, CA
Hospital WebsiteVCA Bradshaw Animal Hospital
Elk Grove, CA
Hospital WebsiteVCA Bradshaw Large Animal Hospital
Elk Grove, CA
Hospital WebsiteVCA North Coast Animal Hospital
Encinitas, CA
Hospital WebsiteVCA Acacia Animal Hospital and Pet Resort
Escondido, CA
Hospital WebsiteVCA Greenback Pet Resort
Fair Oaks, CA
Hospital WebsiteVCA Greenback Animal Hospital
Fair Oaks, CA
Hospital WebsiteVCA Mission San Jose Animal Hospital
Fremont, CA
Hospital WebsiteVCA Arden Animal Hospital
Glendale, CA
Hospital WebsiteVCA Noah's Ark Animal Hospital
Goleta, CA
Hospital WebsiteVCA Coast Animal Hospital
Hermosa Beach, CA
Hospital WebsiteVCA Victor Valley Animal Hospital
Hesperia, CA
Hospital WebsiteVCA Valley Animal Medical Center Emergency Hospital
Indio, CA
Hospital WebsiteVCA Grossmont Animal Hospital
La Mesa, CA
Hospital WebsiteVCA All Creatures Animal Hospital
La Quinta, CA
Hospital WebsiteVCA Arroyo Animal Hospital
Lake Forest, CA
Hospital WebsiteVCA Los Altos Animal Hospital
Long Beach, CA
Hospital WebsiteVCA Loomis Basin Veterinary Clinic
Loomis, CA
Hospital WebsiteVCA Rossmoor-El Dorado Animal Hospital
Los Alamitos, CA
Hospital WebsiteVCA West Los Angeles Animal Hospital
Los Angeles, CA
Hospital WebsiteVCA Miller-Robertson Animal Hospital
Los Angeles, CA
Hospital WebsiteVCA Venice Boulevard Animal Hospital
Los Angeles, CA
Hospital WebsiteVCA Animal Hospital of Los Gatos
Los Gatos, CA
Hospital WebsiteVCA Mission Viejo Animal Hospital
Mission Viejo, CA
Hospital WebsiteVCA Santa Anita Animal Hospital
Monrovia, CA
Hospital WebsiteVCA California Oaks Animal Hospital
Murrieta, CA
Hospital WebsiteVCA Highlands Animal Hospital
North Highlands, CA
Hospital WebsiteVCA Adler Animal Hospital and Pet Resort
North Hills, CA
Hospital WebsiteVCA Bay Area Animal Hospital
Oakland, CA
Hospital WebsiteVCA American River Animal Hospital
Orangevale, CA
Hospital WebsiteVCA Desert Animal Hospital
Palm Springs, CA
Hospital WebsiteVCA Palo Alto Animal Hospital
Palo Alto, CA
Hospital WebsiteVCA A Breed Apart Animal Hospital
Pasadena, CA
Hospital WebsiteVCA Foothill Veterinary Hospital
Pasadena, CA
Hospital WebsiteVCA Rancho Mirage Animal Hospital
Rancho Mirage, CA
Hospital WebsiteVCA Asher Animal Hospital
Redding, CA
Hospital WebsiteVCA Companion Animal Hospital
Redding, CA
Hospital WebsiteVCA McClave Animal Hospital
Reseda, CA
Hospital WebsiteVCA Crestwood Animal Hospital
Ridgecrest, CA
Hospital WebsiteVCA Greenhaven Pocket Animal Hospital
Sacramento, CA
Hospital WebsiteVCA All Our Pets Animal Hospital
Sacramento, CA
Hospital WebsiteVCA All Pets Animal Hospital Salinas
Salinas, CA
Hospital WebsiteVCA Northside Animal Hospital
San Bernardino, CA
Hospital WebsiteVCA Holly Street Animal Hospital
San Carlos, CA
Hospital WebsiteVCA Hillcrest Animal Hospital
San Diego, CA
Hospital WebsiteVCA Main Street Animal Hospital
San Diego, CA
Hospital WebsiteVCA Angel Animal Hospital
San Diego, CA
Hospital WebsiteVCA West Bernardo Animal Hospital
San Diego, CA
Hospital WebsiteVCA Peninsula Animal Hospital
San Diego, CA
Hospital WebsiteVCA Animal Specialty Group
San Diego, CA
Hospital WebsiteVCA Pacific Petcare Animal Hospital
San Diego, CA
Hospital WebsiteVCA Crocker Animal Hospital
San Jose, CA
Hospital WebsiteVCA Orchard Plaza Animal Hospital
San Jose, CA
Hospital WebsiteVCA Blossom Hill Animal Hospital
San Jose, CA
Hospital WebsiteVCA Almaden Valley Animal Hospital
San Jose, CA
Hospital WebsiteVCA Lewelling Animal Hospital
San Leandro, CA
Hospital WebsiteVCA San Martin Animal Hospital
San Martin, CA
Hospital WebsiteVCA Bayshore Animal Hospital
San Mateo, CA
Hospital WebsiteVCA Tender Care Animal Hospital
San Rafael, CA
Hospital WebsiteVCA Vets & Pets Animal Hospital
Santa Clara, CA
Hospital WebsiteVCA Lawrence Animal Hospital
Santa Clara, CA
Hospital WebsiteVCA Animal Hospital of Santa Cruz
Santa Cruz, CA
Hospital WebsiteVCA La Mirada Animal Hospital
Santa Fe Springs, CA
Hospital WebsiteVCA Wilshire Animal Hospital
Santa Monica, CA
Hospital WebsiteVCA Santa Monica Dog and Cat Hospital
Santa Monica, CA
Hospital WebsiteVCA Sequoia Valley Animal Hospital
Santa Rosa, CA
Hospital WebsiteVCA Westside Animal Hospital
Santa Rosa, CA
Hospital WebsiteVCA Forestville Animal Hospital
Sebastopol, CA
Hospital WebsiteVCA El Rancho Animal Hospital
Temecula, CA
Hospital WebsiteVCA Clarmar Animal Hospital
Torrance, CA
Hospital WebsiteVCA Old River Animal Hospital
Tracy, CA
Hospital WebsiteVCA 29 Palms Animal Hospital
Twentynine Palms, CA
Hospital WebsiteVCA All About Pets Animal Hospital
Union City, CA
Hospital WebsiteVCA Central Animal Hospital
Upland, CA
Hospital WebsiteVCA Marina Animal Hospital
Venice, CA
Hospital WebsiteVCA Mesa Animal Hospital
Victorville, CA
Hospital WebsiteVCA Cottage Animal Hospital
Walnut Creek, CA
Hospital WebsiteVCA TLC Animal Hospital
West Hollywood, CA
Hospital WebsiteVCA Brentwood Animal Hospital
West Los Angeles, CA
Hospital WebsiteVCA Westside Animal Hospital
West Sacramento, CA
Hospital WebsiteWestlake Village Animal Hospital
Westlake Village, CA
Hospital WebsiteThe Barkley Pet Hotel and Day Spa
Westlake Village, CA
Hospital WebsiteVCA Parkwood Animal Hospital
Woodland Hills, CA
Hospital WebsiteVCA Yuba Sutter Animal Hospital
Yuba City, CA
Hospital WebsiteVCA Yucca Valley Animal Hospital
Yucca Valley, CA
Hospital WebsiteColoradoVCA All Pets Animal Hospital Boulder
Boulder, CO
Hospital WebsiteVCA Douglas County Animal Hospital
Castle Rock, CO
Hospital WebsiteVCA Southeast Area Animal Hospital
Denver, CO
Hospital WebsiteVCA Aspenwood Animal Hospital
Denver, CO
Hospital WebsiteVCA Alameda East Veterinary Hospital
Denver, CO
Hospital WebsiteVCA Firehouse Animal Hospital
Denver, CO
Hospital WebsiteVCA Park Hill Animal Hospital
Denver, CO
Hospital WebsiteVCA Wingate
Animal Hospital
Englewood, CO
Hospital WebsiteVCA Fort Collins Animal Hospital
Fort Collins, CO
Hospital WebsiteVCA Orchard Animal Hospital
Greenwood Village, CO
Hospital WebsiteVCA Mountainview Animal Hospital & Pet Lodge
Highlands Ranch, CO
Hospital WebsiteVCA All Pets Animal Hospital Lafayette
Lafayette, CO
Hospital WebsiteVCA Anderson Animal Hospital
Lakewood, CO
Hospital WebsiteVCA Dakota Ridge Animal Hospital
Littleton, CO
Hospital WebsiteVCA Littleton Animal Hospital
Littleton, CO
Hospital WebsiteVCA Centennial Valley Animal Hospital
Louisville, CO
Hospital WebsiteVCA Thornton Animal Hospital
Thornton, CO
Hospital WebsiteConnecticutVCA Bristol Animal Hospital
Bristol, CT
Hospital WebsiteVCA Cheshire Animal Hospital
Cheshire, CT
Hospital WebsiteVCA Cromwell Animal Hospital
Cromwell, CT
Hospital WebsiteVCA Northside Animal Hospital
Danbury, CT
Hospital WebsiteVCA Darien Animal Hospital
Darien, CT
Hospital WebsiteVCA Animal Hospital of East Hartford
East Hartford, CT
Hospital WebsiteVCA Foxon Animal Hospital
East Haven, CT
Hospital WebsiteVCA Baybrook Animal Hospital
Milford, CT
Hospital WebsiteVCA Old Canal Animal Hospital
Plainville, CT
Hospital WebsiteVCA Valley Animal Hospital
South Windsor, CT
Hospital WebsiteVCA Davis Animal Hospital
Stamford, CT
Hospital WebsiteVCA Animal Hospital of Vernon
Vernon, CT
Hospital WebsiteVCA New London Animal Hospital
Waterford, CT
Hospital WebsiteDelawareVCA Dover Animal Hospital
Dover, DE
Hospital WebsiteVCA Glasgow Animal Hospital
Newark, DE
Hospital WebsiteVCA Newark Animal Hospital
Newark, DE
Hospital WebsiteVCA Kirkwood Animal Hospital
Newark, DE
Hospital WebsiteDistrict Of ColumbiaVCA MacArthur Animal Hospital
Washington, DC
Hospital WebsiteFloridaVCA Spanish River Animal Hospital
Boca Raton, FL
Hospital WebsiteVCA Boca Greens Animal Hospital
Boca Raton, FL
Hospital WebsiteVCA Gulf Bay Animal Hospital
Clearwater, FL
Hospital WebsiteVCA Hillsboro Animal Hospital
Coconut Creek, FL
Hospital WebsiteVCA Rock Creek Animal Hospital
Cooper City, FL
Hospital WebsiteVCA Cypress Wood Animal Hospital
Coral Springs, FL
Hospital WebsiteVCA Wiles Road Animal Hospital
Coral Springs, FL
Hospital WebsiteVCA Wakulla Animal Hospital
Crawfordville, FL
Hospital WebsiteVCA Imperial Point Animal Hospital
Fort Lauderdale, FL
Hospital WebsiteVCA Miracle Mile Animal Hospital
Fort Myers, FL
Hospital WebsiteVCA Tri-County Animal Hospital
Fort Pierce, FL
Hospital WebsiteVCA Tri-County Animal Hospital North
Fort Pierce, FL
Hospital WebsiteVCA Stirling Square Animal Hospital
Hollywood, FL
Hospital WebsiteVCA Briarcliff Animal Hospital
Jacksonville, FL
Hospital WebsiteVCA Augustine Loretto Animal Hospital
Jacksonville, FL
Hospital WebsiteVCA Palm Beach County Animal Hospital
Lake Worth, FL
Hospital WebsiteVCA Promenade Animal Hospital
Lauderhill, FL
Hospital WebsiteVCA Wellington Animal Hospital
Loxahatchee, FL
Hospital WebsiteVCA Little Animal Hospital
New Port Richey, FL
Hospital WebsiteVCA Companion Animal Hospital
Ocala, FL
Hospital WebsiteVCA Oldsmar Animal Hospital
Oldsmar, FL
Hospital WebsiteVCA Orange City Animal Hospital
Orange City, FL
Hospital WebsiteVCA East Colonial Animal Hospital
Orlando, FL
Hospital WebsiteVCA Village Animal Hospital
Palm Bay, FL
Hospital WebsiteVCA Central Park Animal Hospital
Plantation, FL
Hospital WebsiteVCA Friendship Pompano Animal Hospital
Pompano Beach, FL
Hospital WebsiteVCA Lockwood Ridge Animal Hospital
Sarasota, FL
Hospital WebsiteVCA Noah's Place Animal Medical Center
St. Petersburg, FL
Hospital WebsiteVCA Tampa Bay Animal Hospital
Tampa, FL
Hospital WebsiteVCA Carrollwood Cat Hospital
Tampa, FL
Hospital WebsiteVCA Cabrera Animal Hospital
West Miami, FL
Hospital WebsiteVCA Howell Branch Animal Hospital
Winter Park, FL
Hospital WebsiteGeorgiaVCA Pets Are People Too Veterinary Hospital
Atlanta, GA
Hospital WebsiteVCA Buckhead Animal Hospital
Atlanta, GA
Hospital WebsiteVCA Carrollton Animal Hospital
Carrollton, GA
Hospital WebsiteVCA Pets Are People Too Veterinary Hospital
Chamblee, GA
Hospital WebsiteVCA Peachtree Animal Hospital
Chamblee, GA
Hospital WebsiteVCA Appalachian Animal Hospital
East Ellijay, GA
Hospital WebsiteVCA Columbia Animal Hospital
Evans, GA
Hospital WebsiteVCA Lilburn Animal Hospital
Lilburn, GA
Hospital WebsiteVCA Avalon-Heart of Gwinnett Animal Hospital
Lilburn, GA
Hospital WebsiteVCA Terrell Mill Animal Hospital
Marietta, GA
Hospital WebsiteVCA Braelinn Village Animal Hospital
Peachtree City, GA
Hospital WebsiteVCA Catoosa Animal Hospital
Ringgold, GA
Hospital WebsiteVCA Roswell Animal Hospital
Roswell, GA
Hospital WebsiteVCA Pets Are People Too Roswell Animal Hospital
Roswell, GA
Hospital WebsiteVCA North Atlanta Animal Hospital
Sandy Springs, GA
Hospital WebsiteVCA Greater Savannah Animal Hospital
Savannah, GA
Hospital WebsiteVCA Falcon Village Animal Hospital
Suwanee, GA
Hospital WebsiteHawaiiVCA University Animal Hospital
Honolulu, HI
Hospital WebsiteVCA Kaneohe Animal Hospital
Kaneohe, HI
Hospital WebsiteVCA Kapolei Animal Hospital
Kapolei, HI
Hospital WebsiteVCA Family Animal Hospital
Pearl City, HI
Hospital WebsiteVCA Waipahu Animal Hospital
Waipahu, HI
Hospital WebsiteIllinoisVCA Aroma Park Animal Hospital
Aroma Park, IL
Hospital WebsiteVCA Aurora Animal Hospital
Aurora, IL
Hospital WebsiteVCA Berwyn Animal Hospital
Berwyn, IL
Hospital WebsiteVCA Bolingbrook Animal Hospital
Bolingbrook, IL
Hospital WebsiteVCA Burbank Animal Hospital
Burbank, IL
Hospital WebsiteVCA Channahon Animal Hospital
Channahon, IL
Hospital WebsiteVCA Lake Shore Animal Hospital
Chicago, IL
Hospital WebsiteVCA Chicago North Animal Hospital
Chicago, IL
Hospital WebsiteVCA Misener-Holley Animal Hospital
Chicago, IL
Hospital WebsiteVCA Arboretum View Animal Hospital
Downers Grove, IL
Hospital WebsiteVCA Noyes Animal Hospital
Fox River Grove, IL
Hospital WebsiteVCA Franklin Park Animal Hospital
Franklin Park, IL
Hospital WebsiteVCA Cairo Animal Hospital
Highland Park, IL
Hospital WebsiteVCA Joliet Animal Hospital
Joliet, IL
Hospital WebsiteVCA LaGrange Park Animal Hospital
LaGrange Park, IL
Hospital WebsiteVCA Naper Ridge Animal Hospital
Naperville, IL
Hospital WebsiteVCA Boulder Terrace Animal Hospital
Naperville, IL
Hospital WebsiteVCA Worth Animal Hospital
Palos Hills, IL
Hospital WebsiteVCA Heritage Animal Hospital
Savoy, IL
Hospital WebsiteVCA Hawthorn
Animal Hospital
Vernon Hills, IL
Hospital WebsiteIndianaVCA Northwood Animal Hospital
Anderson, IN
Hospital WebsiteVCA Village Park Animal Hospital
Carmel, IN
Hospital WebsiteVCA Cross Pointe Animal Hospital
Fishers, IN
Hospital WebsiteVCA Sugar Grove Animal Hospital
Greenwood, IN
Hospital WebsiteVCA West 86th St. Animal Hospital
Indianapolis, IN
Hospital WebsiteVCA Beech Grove Animal Hospital
Indianapolis, IN
Hospital WebsiteVCA Shadeland Animal Hospital
Indianapolis, IN
Hospital WebsiteVCA Swengel Animal Hospital
Indianapolis, IN
Hospital WebsiteVCA Lafayette Animal Hospital
Lafayette, IN
Hospital WebsiteVCA Stoney Creek Animal Hospital
Noblesville, IN
Hospital WebsiteVCA Eagle Park Animal Hospital
Zionsville, IN
Hospital WebsiteKansasVCA Welborn Animal Hospital
Kansas City, KS
Hospital WebsiteKentuckyVCA Fairleigh Animal Hospital
Louisville, KY
Hospital WebsiteVCA Woodford Animal Hospital
Versailles, KY
Hospital WebsiteLouisianaVCA Airline Animal Hospital
Metairie, LA
Hospital WebsiteVCA Causeway Animal Hospital
Metairie, LA
Hospital WebsiteMarylandVCA Peachtree Animal Hospital
Beallsville, MD
Hospital WebsiteVCA Delmarva Animal Hospital
Berlin, MD
Hospital WebsiteVCA Lewis Animal Hospital
Columbia, MD
Hospital WebsiteVCA Columbia Animal Hospital at Centre Park
Columbia, MD
Hospital WebsiteVCA Columbia Animal Hospital at Hickory Ridge
Columbia, MD
Hospital WebsiteVCA Elkton Animal Hospital
Elkton, MD
Hospital WebsiteVCA St. Mary's Animal Hospital
Lexington Park, MD
Hospital WebsiteVCA North Rockville Animal Hospital
Rockville, MD
Hospital WebsiteVCA Squire Animal Hospital
Upper Marlboro, MD
Hospital WebsiteMassachusettsVCA City Cats Hospital
Arlington, MA
Hospital WebsiteVCA North Main Street Veterinary Clinic
Brockton, MA
Hospital WebsiteVCA Brookline Animal Hospital
Brookline, MA
Hospital WebsiteMetro Cat Hospital
Brookline, MA
Hospital WebsiteVCA Shaker Road Animal Hospital
E. Longmeadow, MA
Hospital WebsiteVCA Pleasant Bay Animal Hospital
East Harwich, MA
Hospital WebsiteVCA Everett Animal Hospital
Everett, MA
Hospital WebsiteVCA All Caring Animal Hospital
Great Barrington, MA
Hospital WebsiteVCA Roberts Animal Hospital
Hanover, MA
Hospital WebsiteVCA Hanson Animal Hospital
Hanson, MA
Hospital WebsiteVCA Lancaster Animal Hospital
Lancaster, MA
Hospital WebsiteVCA Rotherwood Animal Hospital
Newton, MA
Hospital WebsiteVCA Northboro Animal Hospital
Northborough, MA
Hospital WebsiteVCA Palmer Animal Hospital
Palmer, MA
Hospital WebsiteVCA Plymouth Animal Hospital and Pet Resort
Plymouth, MA
Hospital WebsiteVCA South Shore (Quincy) Animal Hospital
Quincy, MA
Hospital WebsiteVCA South Hadley Animal Hospital
South Hadley, MA
Hospital WebsiteVCA South Shore (
Rutgers Logo Throw $29 at bonton.com
Added on : Tuesday September 02nd 2014 11:00:04 AM
g: 0 Posted By: DaysFan
Views: 158 Replies: 0 Rutgers Logo Throw
item 0087918853829http://www.bonton.com/shop/bed-bath/rutgers-logo-throw_209129.htmlHOME STORE SALECoupon eligible
Use promo code HOMELABOR14 for savings.
Now through 11:59PM CST Sunday, September 7, 2014. Offer details
Cannot be used in conjunction with any other coupon.Original: $70.00 Sale: $29.99Your beloved college or university may take breaks, but your supportive school spirit doesn't have to! Always be in style with this sporty throw. Tapestry throw displays Rutgers' logo and well-known colors. Drape the throw over a bed, hang it on the wall, or keep yourself warm when watching the game from home or in the stadium.

Size: 46x60"
Loom woven triple layer jacquard with fringed edges
Polyester/acrylic
Machine wash and dry
Made in the USA

Bedding Deals

Bon-Ton Stores Coupons
Free T~Shirt from College of CSB/SJU for High School Students (DEAD)
Added on : Tuesday September 02nd 2014 09:00:09 AM
g: 6 Posted By: KCQT
Views: 1568 Replies: 2 https://admissions.csbsju.edu/register/tshirt
You must be a U.S. student and have a U.S. address to receive a T-shirt.

"We're glad to hear of your interest in the College of Saint Benedict (CSB) and Saint John's University (SJU). Your T-shirt will arrive in 4-6 weeks."

​Note***
I did not enter a "Coupon Code" or any phone numbers & it submitted just fine. I've also received an email confirmation as well!

Clothing, Shoes & Jewelry Deals
g: 0 Posted By: ctgolfer
Views: 115 Replies: 0 use .edu email promotional coupon from here www.bestbuy.com/site/Global/College-Student-Deals/pcmcat27620005...

Retina display with 2560-by-1600 resolution on the 13-inch model and 2880-by-1800 resolution on the 15-inch model
Fourth-generation dual-core Intel Core i5 (13-inch model) and quad-core Intel Core i7 (15-inch model) processors
Intel Iris Graphics in the 13-inch model and Intel Iris Pro Graphics or Iris Pro plus NVIDIA GeForce GT 750M graphics with 2GB video memory in the 15-inch model
Up to 9 hours (13-inch model) or 8 hours (15-inch model) of battery life1
Faster flash storage2
802.11ac Wi-Fi
Two Thunderbolt 2 ports for connecting high-performance devices and transferring data at lightning speed
Two USB 3 ports (compatible with USB 2 devices) and HDMI
FaceTime HD camera
Pages, Numbers, Keynote, iPhoto, iMovie, GarageBand included
OS X, the world's most advanced desktop operating system
1 Battery life varies by use and configuration. See www.apple.com/batteries for more information
2 Compared with the previous generation.

www.bestbuy.com/site/apple-macbook-pro-with-retina-display-13-3-...
Macbooks Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 Sign-up here with your .edu email. : www.bestbuy.com/site/global/college-student-deals/pcmcat27620005...
Coupon codes will be e-mailed to you.
Add the iPad Mini Retina (Space Gray or Silver) to cart
Enter online promotional code under Payment Method at checkout.
Total should be $300 with free shipping

7.9-inch Retina display
A7 chip with M7 motion coprocessor
Built-in Wi-Fi (802.11a/b/g/n) with mimo support
Up to 10 hours of battery life2
5MP iSight camera with 1080p HD video recording
FaceTime HD camera
iPhoto, iMovie, GarageBand, Pages, Numbers, and Keynote apps included
Over 475,000 apps on the App Store3
iOS 7 and iCloud
Cellular data service on Wi-Fi + Cellular models (sold separately)
1 Battery life varies by use and configuration. See www.apple.com/batteriesfor more information.
2 Refers to the total number worldwide. Not all content is available in all countries.

www.bestbuy.com/site/apple-ipad-mini-with-retina-display-with-wi...


also available in silver

www.bestbuy.com/site/apple-ipad-mini-with-retina-display-with-wi...
iPads Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 191 Replies: 0 http://www.amazon.com/dp/B00M4FBYQI/

The number of Android devices running on Intel processors has increased since Intel and Google announced, in late 2011, that they would be working together to optimize future versions of Android for Intel Atom processors. Today, Intel processors can be found in Android smartphones and tablets made by some of the top manufacturers of Android devices, such as Samsung, Lenovo, and Asus.

The increase in Android devices featuring Intel processors has created a demand for Android applications optimized for Intel Architecture: Android Application Development for the Intel Platform is the perfect introduction for software engineers and mobile app developers. Through well-designed app samples, code samples and case studies, the book teaches Android application development based on the Intel platformincluding for smartphones, tablets, and embedded devicescovering performance tuning, debugging and optimization.

This book is jointly developed for individual learning by Intel Software College and China Shanghai JiaoTong University.

What youll learn
Comprehensive introduction to the Intel Embedded and mobile hardware platform
Android app GUI design principles and guidelines
Covers the latest Intel Android development tools, including Intel Beacon Mountain version 0.6 and the Intel Compiler
NDK and C/C++ optimization
Designing and optimizing for low-power consumption
Who this book is for
The book is primarily for app developers, software engineers and open-source programming enthusiasts, but can also be used by for training programs and Codeacademy-style programs.


GUI Design for Android Apps
http://www.amazon.com/Design-Android-Apps-Ryan-Cohen-ebook/dp/B0...

GUI Design for Android Apps is the perfectand conciseintroduction for mobile app developers and designers. Through easy-to-follow tutorials, code samples, and case studies, the book shows the must-know principles for user-interface design for Android apps running on the Intel platform, including smartphones, tablets and embedded devices.

This book is jointly developed for individual learning by Intel Software College and China Shanghai JiaoTong University, and is excerpted from Android Application Development for the Intel Platform.

What youll learn
Key aspects of why UI and UX design for embedded systems is different than for desktops
Troubleshooting UI design issues
Understanding how key concepts such as state transition, context class, and intent work
How to use the interface app design tools provided by Android
Planning for complex apps (apps with multiple activities)
Optimizing app design for touch screen input
Who this book is for
The book is primarily for app developers, software engineers and open-source programming enthusiasts, but can also be used by for training programs and Codeacademy-style programs.
Books Deals

Amazon Coupons
Free T~Shirt from College of CSB/SJU for High School Students
Added on : Saturday August 30th 2014 02:00:07 PM
g: 0 Posted By: KCQT
Views: 98 Replies: 0 https://admissions.csbsju.edu/register/tshirt
You must be a U.S. student and have a U.S. address to receive a T-shirt.

"We're glad to hear of your interest in the College of Saint Benedict (CSB) and Saint John's University (SJU). Your T-shirt will arrive in 4-6 weeks."

​Note***
I did not enter a "Coupon Code" or any phone numbers & it submitted just fine. I've also received an email confirmation as well!

Clothing, Shoes & Jewelry Deals
Walmart Back to College Electronics Deals $249.00
Added on : Saturday August 30th 2014 02:00:04 PM
g: -1 Posted By: Bob18
Views: 145 Replies: 0 ~~HP Black 15-f039wm Laptop PC with Intel Celeron N2830 Processor, 4GB Memory, 500GB Hard Drive and Windows 8.1New
Model#: 15-f039wm

(1)
.Intel Celeron N2830 processor
4GB memory; 500GB hard drive
15.6" HD BrightView WLED-backlit display
Webcam, SD card reader, WiFi
Windows 8.1~~HP Black 15-f039wm Laptop PC with Intel Celeron N2830 Processor, 4GB Memory, 500GB Hard Drive and Windows 8.1New
Model#: 15-f039wm

(1)
.Intel Celeron N2830 processor
4GB memory; 500GB hard drive
15.6" HD BrightView WLED-backlit display
Webcam, SD card reader, WiFi
Windows 8.1
~~HP Black 15-f039wm Laptop PC with Intel Celeron N2830 Processor, 4GB Memory, 500GB Hard Drive and Windows 8.1New
Model#: 15-f039wm

(1)
.Intel Celeron N2830 processor
4GB memory; 500GB hard drive
15.6" HD BrightView WLED-backlit display
Webcam, SD card reader, WiFi
Windows 8.1
~~HP Black 15-f039wm Laptop PC with Intel Celeron N2830 Processor, 4GB Memory, 500GB Hard Drive and Windows 8.1New
Model#: 15-f039wm

(1)
.Intel Celeron N2830 processor
4GB memory; 500GB hard drive
15.6" HD BrightView WLED-backlit display
Webcam, SD card reader, WiFi
Windows 8.1
http://www.walmart.com/ip/HP-Black-15-f039wm-Laptop-PC-with-Inte...

Laptops Deals

Walmart Coupons
Question regarding PA 529 Guaranteed Savings Plan
Added on : Saturday August 30th 2014 01:00:15 PM
g: 0 Posted By: munkyxtc
Views: 23 Replies: 0 My wife and I have been considering setting up PA 529 Guaranteed Savings Plans for our 2 children (2 & 4 years old) but I have a question which I'm not exactly clear on...

When you open an account you choose the tuition level for which you'd like to save in order to earn college credits; however, I had a question regarding what happens if my child(ren) later decide they want to go to a lower or higher tiered school?

Basically; to go to many state schools it recommends you save $275/mo per child; however, for Penn State it recommends $600+/month. I found the following blurb on the PA 529 site:
. said: Tuition level
When you open a PA 529 GSP account, you will be asked to designate a tuition level on the enrollment form. When you designate a tuition level, you are choosing the type of school for which you are saving. However, you may change your choice at any time and the change is made retroactively. Additionally, your tuition level will automatically be changed for you, if needed, to match your students school if he or she ultimately attends a specific Pennsylvania publicly funded college or university. The Tuition Level determines the growth on your account when used for qualified higher education expenses. It determines the tuition inflation rate of growth and the tuition inflation value of the account.

The way I read this is if I at a later date decide to change a lower tier that all of my previously paid funds will be converted to credits at the new tuition level based on the rates when I contributed. What I'm am question and want to make sure is that the conversion rate will not be made at the current prevailing rate as you'd end up potentially losing out on a ton of value the longer you'd wait to convert.

Does anyone have a definite answer on this? Thanks in advance.
g: 0 Posted By: ctgolfer
Views: 67 Replies: 0 use promo code: 952367P1

Beginning August 28, 2014 at 6:00 AM EDT through September 2, 2013 at 3:00 AM PDT enter discount code 952367P1 to receive 25% off your total purchase when ordering online at ae.com or aerie.com or present printable or mobile coupon at time of purchase in select AEO or aerie stores in US and Canada. Discount will apply when the code has been entered at ae.com or aerie.com shopping bag. Discount applied to merchandise costs only, prior to sales tax and shipping & handling. This discount offer cannot be combined with other discount offers. This offer is not applicable toward previously purchased merchandise. Not valid in AEO Factory Store stores or online on AEO Factory Store Merchandise or on merchandise from these brands: Bass, BC, Bed Stu, Birkenstock, Clarks, Creative Recreation, Dr. Martens, DV by Dolce Vita, Eastland, Fjallraven, Glory/Goorin, GOLA, Keds
, Matisse, Minnetonka, New Balance, Palladium, PF Flyers, Reebok, Seychelles, Tretorn, Thorogood, Timberland, Tretorn, Volley, College & Pro, and Gift Cards.



free shipping

www.ae.com/web/browse/category.jsp?catId=cat6470582
American Eagle Deals
Free, oneofakind Hyundai College Football team clings
Added on : Thursday August 28th 2014 04:00:07 PM
g: 1 Posted By: freebiemaniac
Views: 152 Replies: 0 https://www.hyundaiusa.com/loyalty/?cmpid=65481

Kickoff is the greatest time of the year for every college football fan. Were showing our love for the game with our free, oneofakind Hyundai College Football team clings.* Each one is designed to pay tribute to your schools unique Act of Loyalty. Celebrate with us and show off your team loyalty by getting a free team cling from Hyundai. Then settle in for an exciting season of fans sharing their passion with #THISISLOYALTY and share yours, too, on Facebook, Instagram and Twitter.

There are 17 different clings to choose from.
Totally Free Deals
Car rental for a week
Added on : Saturday August 23rd 2014 03:00:37 PM
g: 0 Posted By: thebeeskness
Views: 34 Replies: 0 Hello,

I need to rent a car for a week starting from this Sunday or Monday. Location: State College, PA 16801

No preferences whatsoever... Just the cheapest, the better.

I'm not familiar with renting cars and I don't have insurance, I have Amex, Visa and Discover. Should I buy the insurance offered by the rental company?

Thank you!
Car Rental Deals
g: 0 Posted By: kmsandrbs
Views: 131 Replies: 0 Microsoft Office 365 University

Through Microsoft Store (go on, buy through the FW link!)

Higher education students, faculty, or staff get a 4-year subscription including Word, Excel, PowerPoint, Outlook, Access, One Note, and Publisher, OneDrive cloud storage, and Skype PC-to-phone world calling for 2 devices, including PCs, Macs, iPads, or Windows tablets.

Application availability and features vary by platform and device. Publisher and Access available on PC only. OneNote for Mac is available as a separate download from the Mac App Store. Current Office application versions for Office 365 are Office 2013 for Windows and Office 2011 for Mac. Customers with an active subscription will be entitled to the newest versions when available. Windows 7, 8, or 8.1, Mac OS 10.6 or later, and Internet connection required.

$25 giftcard for the Microsoft Store
Offer Valid August 18, 2014 until September 21, 2014, or while supplies last. Available in select Microsoft retail and online stores in US (including Puerto Rico) and Canada. Valid with purchase of select first party Microsoft software. Some exclusions apply, including Office 365 Home and Personal monthly subscriptions, Office Language Packs. Microsoft store promotional gift card/code redeemable for future purchase, single use only. Customers will receive a promotional gift card/code either upon pick-up of the item in store, or at the email address associated with purchase within 10 days of purchase/shipping. Gift code funds can only be used for purchases at Microsoft stores. Microsoft store gift card terms apply. Not valid on prior orders or purchases; cannot be transferred or otherwise redeemed for cash or gift cards. Not combinable with other offers. Price discount does not include taxes, shipping or other fees. Void where prohibited or restricted by law. Microsoft reserves the right to modify or discontinue offers at any time. Limit 1 per customer.

The code for my giftcard was in the email receipt I received. (Home and Personal are Excluded, but University is NOT excluded.)

1 TB OneDrive storage
This is in addition to what you already have. I actually think that this is what makes the deal. 1 TB of online storage for four years can get pricey (though prices are coming down). Actually, I was surprised to find that Microsoft is offering 1 TB for $2.50/Month ($30/year) right now. So you can look at it as a $10/year discount for pre-paying for 4 years, plus you get Office 365 and a $25 GC. My extra 1 TB showed up immediately. It is extra (on top of what you already have). Note that there is verbiage on the page about sharing your subscription and others getting the 1 TB - but that is for the Home version ($99 for one year, five licenses, no GC).


I get that some people are happy enough with Google Docs or OfficeOnline for free. Fine. But some want (or need) the full versions of Microsoft Office products.


Program eligibility requirements
This Program is available only to individuals who meet the criteria described below (the "Eligible Students"):

Individual must be either a full- and part-time enrolled student, or a faculty / staff member of a qualified, accredited higher education institution. Alumni of these institutions arent eligible. Qualified, accredited higher education institutions include Universities, Polytechnic schools, and Institutes of Technology, as well as other post-secondary level institutions, such as colleges and vocational schools that award academic degrees or professional certifications. Restrictions may vary by country.
Individual must successfully verify their eligibility status through the Offer Sites online academic verification process; and
Individual must have a Microsoft account or create one at the time of purchase.

I was sent a verification email which I had to copy and open a link during the transaction process. No, I have no idea if fake edu addresses or alumni addresses will work, but they are clearly against the terms of the agreement. Do note that while it talks about students, faculty and staff are eligible as well.

Subscription may be renewed only once.
Software Deals

Microsoft Store Coupons
g: 0 Posted By: Gauss44
Views: 125 Replies: 4 I'm about ready to go back to school to do some post bacc work before applying to graduate school. Last time I was enrolled as an undergraduate student I had a lousy experience where half way through the semester, I was told (by my financial aid adviser from my college's financial aid office) that a mistake was made (the financial aid adviser goofed and overlooked something) and I was NOT eligible for over $10k that was promised to me before the semester began.

Even though the mistake wasn't on my end, I did everything I could think of to catch problems like this. It happened even though I read every piece of mail and every message that was sent to me regarding financial assistance, and even though I did substantial research about the process in my own time. (My school also has a policy where you are ONLY allowed to meet with YOUR assigned financial aid adviser, so you cannot get second opinions there.) Hopefully this was a one-time rare incident, but I definitely cannot afford to have that happen again.

I just want to know what ways there are to protect oneself from this sort if issue?

Question Deals
g: 3 Posted By: VivYip
Views: 733 Replies: 8 the upcoming ad for Staples is up online

front page related
16778 $5 off $30 coupon
Retail Coupon Code: 16778
Valid 8/24/148/30/14. Valid in U.S. stores only. Exclusions apply.
Valid 8/24/148/30/14 in Staples U.S. stores only. Limit one coupon per customer. Cannot be combined with any other coupons. Minimum purchase requirement must be met with purchases to which no other coupon or instant savings offer applies. Tax is not included in calculating the minimum purchase. Not valid on desktop or laptop computers, tablets, netbooks, Apple products, Bose products, Amazon Kindle, HP ink and toner, Epson ink and toner, custom printing orders placed online, gift cards, mobile phones and mobile phone services, Staples EasyTechsm professional-grade and on-site services, depot repair and parts, phone cards or postage stamps. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards

FAR
Prismacolor MAGIC RUB Vinyl Art Eraser, White, 3/Pack 421271 (limit 1)

other
$3AR Hammermill 8.5" x 11" Copy Plus copy paper, 500 sheets/ream 122408
20% off k-cups
$7 Lexar 16GB JumpDrive TwistTurn USB 2.0 Flash Drive, Black 572925
12.99 Logitech M310, M317 or M325 wireless mouse
19.99 Brother P-Touch PTD200 handheld labeler 637689
89.99AR Texas Instruments TI-84 Silver edition, color display 9-line graphing calculator 150386, 132733, 582330, 150402
229.99 Toshiba laptop with Intel Celeron Processor 1064944
Model: C55-B5299
Intel Celeron N2830 Processor
2GB DDR3L memory: For multitasking power.
With Adobe Reader and more. Includes 1-month trial of Microsoft Office 365.
15.6 diagonal, TruBrite display. This laptops roomy 15.6 diagonal, HD, TruBrite, LED-backlit display (1366 x 768) offers all the room you need to conveniently navigate the Windows world.
Intel HD graphics: For clear, detailed images. HDMI output enables simple connection to an HDTV or other high-definition display.
Built-in high-definition webcam with microphone: Makes it easy to video chat with family and friends
59.99 Brother HL-2240 laser printer 886402

BTS
0.15 2-pocket paper folders 430421, 430579
0.17 Staples 1 Subject Notebook, 8" x 10-1/2" 321463
0.25 Staples 12" beveled wood ruler 164566
0.39 Staples school glue, 4 oz. 855975
0.48 Staples Ruled 3" x 5" White Index Cards, 100/Pack
0.50 Crayola standard crayons, 24/pack 299198
0.50 Staples composition book, 100 sheets 674330, 912462, 919350, 572549
0.65 Teen Vogue retractable ballpoint pen, 1/pack 574295
0.65 Teen Vogue mechanical pencil, 1/pack 574318
0.65 Teen Vogue wrapped pencil, 1/pack 577858
0.68 Staples #2 pencils, 12/pack 476919
0.68 Staples dual-hole dome pencil sharpener, blue 935650
0.69 Teen Vogue lipstick eraser 575181
0.75 Staples Slider Pencil Cases, Assorted 599113
0.82 Staples filler paper, 8" x 10.5", 120 sheets 772966, 772968
0.97 Crayola classic markers, assorted, 10/pack 381809, 860124
$1 for 2 Avery buff dividers 886378

$1 items
Paper Mate White Pearl Latex-Free Plastic Eraser, 3/Pack 651071
Staples poly cover composition book, 9.75" x 7.5", 70 sheets 421175, 126464
Staples composition book, graph ruled, 9.75" x 7.5", 100 sheets 858198
Softsoap Aloe, 7.5 oz 202648
BIC Cristal Ballpoint Pens, Medium Point 1.0mm, Black Ink, 10/Pack 587618
BIC Mechanical Pencils, 0.7mm, 5/Pack 380036


$2 items
Sharpie permanent markers, 5/pack 303628, 282566, 270850, 282574
Sharpie Accent tank highlighter, 5/pack 356458, 356459
Paper Mate EraserMate erasable pens, 5/pack 421222, 421230, 474659
Staples Accel 1-subject notebook, wide or college ruled, 100 sheets, assorted colors
Staples reinforced filler paper, 100 sheets 326530, 126465 (this seems fancy to me)
Staples notebook, graph ruled, 8" x 10", 70 sheets 919352
Scotch Heavy Duty Shipping Packaging Tape Dispenser, Clear, 1.88" x 22 yrds, Each 824219
Poppon Pink Pebble Eraser 48989
Teen Vogue wrapped pencils, 4/pack 577866
Teen Vogue composition book, 80 sheets, college ruled 572543, 572539
Teen Vogue 1-subject notebook, 8" x 10.5", 70 sheets, college ruled 572553, 572555
Staedtler Plastic Compass With Safety Blunt Tip 446385
Staedtler Mars 180 Degree Protractor 274704

B2G1
Locker accessories
Book covers
Crayola washable items
Bubble Wrap, padded mailers, packing peanuts and stretch wrap
5- and 10-ream cases


(links and all other info will be updated ASAP and are for reference purposes only)

Hope this might help someone. Thank you for reading.
Office & School Supplies Deals

Staples Coupons
g: 3 Posted By: VivYip
Views: 422 Replies: 5 the upcoming ad for Staples is up online

front page related
16778 $5 off $30 coupon
Retail Coupon Code: 16778
Valid 8/24/148/30/14. Valid in U.S. stores only. Exclusions apply.
Valid 8/24/148/30/14 in Staples U.S. stores only. Limit one coupon per customer. Cannot be combined with any other coupons. Minimum purchase requirement must be met with purchases to which no other coupon or instant savings offer applies. Tax is not included in calculating the minimum purchase. Not valid on desktop or laptop computers, tablets, netbooks, Apple products, Bose products, Amazon Kindle, HP ink and toner, Epson ink and toner, custom printing orders placed online, gift cards, mobile phones and mobile phone services, Staples EasyTechsm professional-grade and on-site services, depot repair and parts, phone cards or postage stamps. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards

FAR
Prismacolor MAGIC RUB Vinyl Art Eraser, White, 3/Pack 421271 (limit 1)

other
$3AR Hammermill 8.5" x 11" Copy Plus copy paper, 500 sheets/ream 122408
20% off k-cups
$7 Lexar 16GB JumpDrive TwistTurn USB 2.0 Flash Drive, Black 572925
12.99 Logitech M310, M317 or M325 wireless mouse
19.99 Brother P-Touch PTD200 handheld labeler 637689
89.99AR Texas Instruments TI-84 Silver edition, color display 9-line graphing calculator 150386, 132733, 582330, 150402
229.99 Toshiba laptop with Intel Celeron Processor 1064944
Model: C55-B5299
Intel Celeron N2830 Processor
2GB DDR3L memory: For multitasking power.
With Adobe Reader and more. Includes 1-month trial of Microsoft Office 365.
15.6 diagonal, TruBrite display. This laptops roomy 15.6 diagonal, HD, TruBrite, LED-backlit display (1366 x 768) offers all the room you need to conveniently navigate the Windows world.
Intel HD graphics: For clear, detailed images. HDMI output enables simple connection to an HDTV or other high-definition display.
Built-in high-definition webcam with microphone: Makes it easy to video chat with family and friends
59.99 Brother HL-2240 laser printer 886402

BTS
0.15 2-pocket paper folders 430421, 430579
0.17 Staples 1 Subject Notebook, 8" x 10-1/2" 321463
0.25 Staples 12" beveled wood ruler 164566
0.39 Staples school glue, 4 oz. 855975
0.48 Staples Ruled 3" x 5" White Index Cards, 100/Pack
0.50 Crayola standard crayons, 24/pack 299198
0.50 Staples composition book, 100 sheets 674330, 912462, 919350, 572549
0.68 Staples #2 pencils, 12/pack 476919
0.68 Staples dual-hole dome pencil sharpener, blue 935650
0.75 Staples Slider Pencil Cases, Assorted 599113
0.82 Staples filler paper, 8" x 10.5", 120 sheets 772966, 772968
0.97 Crayola classic markers, assorted, 10/pack 381809, 860124
$1 for 2 Avery buff dividers 886378

$1 items
Paper Mate White Pearl Latex-Free Plastic Eraser, 3/Pack 651071
Staples poly cover composition book, 9.75" x 7.5", 70 sheets 421175, 126464
Staples composition book, graph ruled, 9.75" x 7.5", 100 sheets 858198
Softsoap Aloe, 7.5 oz 202648
BIC Cristal Ballpoint Pens, Medium Point 1.0mm, Black Ink, 10/Pack 587618
BIC Mechanical Pencils, 0.7mm, 5/Pack 380036


$2 items
Sharpie permanent markers, 5/pack 303628, 282566, 270850, 282574
Sharpie Accent tank highlighter, 5/pack 356458, 356459
Paper Mate EraserMate erasable pens, 5/pack 421222, 421230, 474659
Staples Accel 1-subject notebook, wide or college ruled, 100 sheets, assorted colors
Staples reinforced filler paper, 100 sheets 326530, 126465 (this seems fancy to me)
Staples notebook, graph ruled, 8" x 10", 70 sheets 919352
Scotch Heavy Duty Shipping Packaging Tape Dispenser, Clear, 1.88" x 22 yrds, Each 824219
Poppon Pink Pebble Eraser 48989

B2G1
Locker accessories
Book covers
Crayola washable items
Bubble Wrap, padded mailers, packing peanuts and stretch wrap
5- and 10-ream cases

(links and all other info will be updated ASAP and are for reference purposes only)

(in progrss)
Office & School Supplies Deals

Staples Coupons
Needing advice on starting a business.
Added on : Wednesday August 20th 2014 11:00:06 AM
g: 0 Posted By: timgodsil
Views: 137 Replies: 9 I've talked to quite a few people, and get mixed answers.

I am wanting to start a pawn shop. I figure I will need about 50k-80k in funding. 10k for renting a retail building for a few months, 10k for a computer, some shelving, etc, and the rest capital to loan money (pawn).

However, some people tell me that I won't get a loan without a college degree, and others tell me banks won't give you the time of day if you have student loans.

I would hate to go to college, get 40k in debt from loans, and have to work to get back to zero, all to find out I didn't need a degree for a loan.

Does education help loan funding, or is it purely credit?
New User Question Deals
Textbook Coupon Thread
Added on : Wednesday August 20th 2014 10:00:02 AM
g: 1 Posted By: Kariput
Views: 128 Replies: 1 I've been shopping for my daughter's college textbooks and I've turned up quite a few coupon codes for various sites. I'm listing them here so others can share the savings:

Merchant________________Code_______________Description________Expires
AbeBooks____________ A5863DEALOZ______ $5 off $80 or more________8/31
Alibris________________ WEATHER_________ $5 off $50 or more________9/01
Alibris________________ DROP_____________ $10 off $100 or more______9/01
Biblio_________________ LEARN2014________ 3% off_________________ 9/15
BiggerBooks___________ BIGGER100________ $10 off $100 ____________12/31
BookRenter___________ B2S5OFF___________ 5% off rental_____________9/29
CampusBookRentals___SMELLWELL_________10% off order____________ 9/01
eCampus____________ UABPERKS__________ 5% off_________________ 8/31
Half.com____________10BACKTOSCHOOL__10% off $25 or more_________9/14


Books Deals
Free Kindle Book- 101 Ultimate Adult Drinking Games
Added on : Wednesday August 20th 2014 01:00:08 AM
g: 0 Posted By: remick
Views: 78 Replies: 0 http://www.amazon.com/gp/product/B007BIFFUE

If you are looking for a sensible, mature way of spending the evening with a few close friends, then this probably isn't the book for you - maybe head over to the Wine Tasting and Fondue* section on Amazon instead?

But if you want to get blasted with the perfect pocket compendium of ultimate drinking games, then stick around!

I've scoured bars, college parties, nightclubs, bachelor parties and stag nights to bring you the best ways to get you and your buddies laughing, drinking and possibly falling over a lot.

Easy to follow, step by step guides for the soon to be inebriated - all you need is alcohol and people, maybe some playing cards, a couple of dice and the odd ping ping ball, but don't we all have them in our pockets anyway?

Oh, that's just me then...

Keep this book stashed on your Kindle and liven up any party!

Your drinking buddy,

Jonny Lee Jr.
Books & Magazines Deals
Suggestions for short term investment intended for college
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: Rock80s
Views: 18 Replies: 0 A little background - currently we've got nothing put aside because we haven't been able to. We just got some money from life insurance due to a death in the family. We've used some of it for things around the house and paying off debt. We want to put what's left towards some kind of college fund for our kid, but it's only 2 years away. I realize we can't make too much in such a short time without high risk, but we don't want high risk. I would be happy just getting above the 1% or so that CDs are currently running.

So.. what would you folks suggest? We're looking at $25k that will need to be usable by June of 2016 for tuition. Please let me know if I've left out anything important.

Thanks!
Personal Finance Deals
Custodial account or not?
Added on : Tuesday August 19th 2014 05:00:08 AM
g: 0 Posted By: ChinaRider
Views: 94 Replies: 2 We're saving money for our kids. They already have 529 accounts. The additional "savings" is nothing more than money in our various accounts that's earmarked for them. It's still our money. Should we move it into custodial accounts?

So far I see the following considerations:

Kiddie tax
Reduced financial aid availability for college
Control (I'd like to think they'll be wise enough not to blow it when they cease being minors but who knows...)

What else should I consider? Saw the thread about manipulating the kiddie tax for overall tax savings but I'm not really thinking along those lines. I'm just looking for your opinions on whether the money is better kept in our accounts or custodial accounts.

Thanks.


Personal Finance Deals
g: 5 Posted By: SweetClover
Views: 1775 Replies: 7 Title and details have been updated in post, important details in bold.

Get a FREE 24-Pack of Instant Noodles and Good Cook Noodle Makerstarting on August 18th at Noon PST/3PM EST! You can see a Time Zone Chart Here.You will need to "like" on Facebook and "share" as well. Do this well before giveaway
Good Cook said: We have an awesome new product debuting here on Monday! Like this if you want to know what it is!

I̶ ̶d̶o̶ ̶n̶o̶t̶ ̶k̶n̶o̶w̶ ̶h̶o̶w̶ ̶m̶a̶n̶y̶ ̶a̶r̶e̶ ̶b̶e̶i̶n̶g̶ ̶g̶i̶v̶e̶n̶ ̶a̶w̶a̶y̶*, this would be great for a college student, or to keep by your office desk.

ETA: A tip for those wanting to get in on this, go to the link prior to the giveaway time (should they have the form up), and fill it out. Then, all you have to do is click the submit button. Alternately, use Robo-Form, Google Chrome or some other form filler, to save time.

* Details will be added if/when they become available.

Update: From official rules: "On or about August 25, 2014 the first Thirty (30) eligible entrants during each 24 hour period (a day) during the Promotion Period beginning daily at 12 P.M. PT will be selected as potential winners. One Hundred and Fifty (150) Winners will each be mailed one (1) Good Cook Noodle Maker (ARV $4.99) and a 24-Pack of Instant Noodles (ARV $8.50) (the Prize, and collectively Prizes). The Approximate Retail Value (ARV) of each Prize varies. Actual value may vary. Allow 6 to 8 weeks for delivery."
Totally Free Deals
g: 0 Posted By: Savvymommy03
Views: 162 Replies: 0 WalMart has theGibson Home College Kitchen 38-Piece Kitchen Combo Set on sale for $29.00 w/ free in-store pickup. Comes in 4 different styles.

38-piece set
Two 12 oz glass tumblers
One 8" aluminum nonstick fry pan
One 2 qt aluminum nonstick sauce pan with lid
One 11.4" x 7.5" cutting mat
3-piece cutlery: 6" chef, 6" bread and 3.5" paring knife
1 small roasting pan (fits in toaster oven)
1 pizza pan (fits in toaster oven)
1 can opener
1 pizza cutter
1 solid turner
1 solid spoon
1 laddle
5-piece measuring cups
5-piece measuring spoons
2-place setting flatware (fork, spoon and knife)
Two 10" dinner plates
Two 6" bowls
2 travel mugs

Home & Garden Deals

Walmart Coupons
iWerkz Folding Bluetooth Keyboard $27.99 free shipping!
Added on : Monday August 18th 2014 08:00:10 AM
g: 0 Posted By: nonsoccermom
Views: 144 Replies: 0 Just found this while I was doing some back to school shopping for my college freshman. I bought one for myself a year ago when they first came out, and I paid $60! Rakuten has it on sale for $27.99 with free shipping! It's a great keyboard for your iPhone or iPad (I think it works with Android, too). Full size keys, and it folds in half. Love it! It comes in lots of fun colors, too.

iWerkz Bluetooth Keyboard
Keyboard & Mouse Deals

Rakuten.com Shopping Coupons
g: 0 Posted By: Kariput
Views: 193 Replies: 0 Just in time for college textbooks. The coupon is valid for one use per account. I set up multiple half.com_accounts and used it several times.

Coupon Code: 10BACKTOSCHOOL

The details:
Get 10% off your book order over $25, limit one per customer. Maximum discount of $25 applies.
Expiration: 09/14/2014 11pm
Categories: book

Don't forget to navigate to half.com_through Fatwallet for an extra 3.5% Cash_Back.


Books Deals

Half.com Coupons
Back to College, Back to Dorm $15 page at bonton.com
Added on : Sunday August 17th 2014 08:00:05 AM
g: 0 Posted By: DaysFan
Views: 164 Replies: 0 http://www.bonton.com/shop/query_817h15/
Rockland 19" Lime Zebra Tote BagOriginal: $35.00 Sale: $15.00dkin Bright Stripes Lunch BoxOriginal: $36.00 Sale: $15.00Circulon II 8" Black Open SkilletOriginal: $40.00 Sale: $15.00Lipper International Coffeemaker Shelf with Coffee Pod Storage DrawerOriginal: $40.00 Sale: $15.00re Fit Cotton Duck Rod Pocket DrapesOriginal: $40.00 Sale: $15.00Springs Home Mattress PadOriginal: $30.00 - $46.00 Sale: $14.99ntwood Mini Donut MakerOriginal: $17.99 Sale: $15.00brew Elite Stainless Steel Reusable Filter for Single Cup BrewersOriginal: $19.99 Sale: $15.00LivingQuarters Micro Cozy Dinos BlanketOriginal: $50.00 - $60.00 Sale: $15.00Nostalgia Electrics Mix `N Twist Ice Cream & Toppings MixerOriginal: $34.00 Sale: $15.00Prinz 5-Opening 4x6 Nickel FrameOriginal: $40.00 Sale: $15.00Nostalgia Electrics Blue Hot Air Popcorn PopperOriginal: $25.00 Sale: $14.99Brentwood Mini Cupcake MakerOriginal: $17.99 Sale: $15.00ell Pure Horizontal Gray Stripe Shower CurtainOriginal: $34.00 Sale: $15.00JUSTIN by Innovative Technology Round Power StickOriginal: $30.00 Sale: $14.99LivingQuarters Easy Care Geo Print Microfiber Sheet SetOriginal: $35.00 - $40.00 Sale: $15.00etc,
Home & Garden Deals

Bon-Ton Stores Coupons
2 Free Audio Books - new Audible customers only
Added on : Saturday August 16th 2014 09:00:09 AM
g: 0 Posted By: jchasan
Views: 225 Replies: 1 2 free audio books on audible - new customers only. Perfect for those long summer driving vacations or driving the kids to college...

https://local.amazon.com/nassau-county
Totally Free Deals
g: 0 Posted By: st4rdust
Views: 434 Replies: 0 E.L.F. Cosmetics is offering50% offback-to-school beauty essentialswhen you use coupon code "SCHOOL50" at checkout. Shipping is free on orders of $40 or more to avoid the $5.95 flat-rate fee.

IMO this would make a great gift for a college student that's going away, or a girl starting high school to make it something special.

Some of my favorites:

Beauty School 4-pc. Nail Polish Set-$5.00
15-pc. Backpack Total Face Kit-$6.00
Beauty School Defined Eyes Set-$10.00
Shine Eraser-$1.00
3-pc. Hypershine Lip Gloss Set-$3.00

Beauty Deals

e.l.f. Cosmetics Coupons
g: 0 Posted By: st4rdust
Views: 265 Replies: 0 E.L.F. Cosmetics is offering50% offback-to-school beauty essentialswhen you use coupon code "SCHOOL50" at checkout. Shipping is free on orders of $40 or more to avoid the $5.95 flat-rate fee.

IMO this would make a great gift for a college student that's going away, or a girl starting high school to make it something special.

Some of my favorites:

Beauty School 4-pc. Nail Polish Set -$5.00
15-pc. Backpack Total Face Kit -$6.00
Beauty School Defined Eyes Set -$10.00
Shine Eraser -$1.00
3-pc. Hypershine Lip Gloss Set -$3.00

Beauty Deals

e.l.f. Cosmetics Coupons
ae.com Now thru 8.17: Take 20% off w/code
Added on : Saturday August 16th 2014 12:00:08 AM
g: 0 Posted By: DaysFan
Views: 163 Replies: 0 FREE SHIPPING WITH ANY PURCHASE
Beginning August 14, 2014, at 6:00 am EDT for a limited time only receive automatic free shipping valid for orders shipping to U.S. & Canadian addresses. Offer not valid on international orders. This offer is good for U.S. standard shipping within 3 to 7 business days pending credit approval and authorization. Orders to Canadian addresses will be shipped via Canada post within 6 to 10 business days to urban areas and 15 to 22 business days to rural areas. This free shipping offer can be combined with other discount offers. No discount code is required at ae.com, aerie.com, or aeofactorystore.com. Not applicable toward previously purchased merchandise. All deliveries are pending credit approval, merchandise availability, delivery and weather conditions.
Now thru 8.17: Take 20% off w/code 28W73731 + free shipping
http://www.ae.com/


Beginning August 15, 2014 at 6:00 AM EDT through August 18, 2013 at 3:00 AM PDT enter discount code 28W73731 to receive 20% off your total purchase when ordering online at ae.com or aeofactorystore.com or present printable or mobile coupon at time of purchase in select AEO or AEO Factory Store stores in US and Canada. Discount will apply when the code has been entered at ae.com or aeofactorystore.com shopping bag. Discount applied to merchandise costs only, prior to sales tax and shipping & handling. This discount offer cannot be combined with other discount offers. This offer is not applicable toward previously purchased merchandise. Not valid on aerie merchandise, in aerie Stores, or on merchandise from these brands: Bass, BC, Bed Stu, Birkenstock, Clarks, Creative Rec, Coconuts, DV, Eastland, Glory, GOLA, Havaianas, Keds
, Matisse, Minnetonka, Mowgli Surf, New Balance, New Balance/PF Flyers, Palladium, Pro Keds
, Pura Vida, Reebok, Rumba, Seychelles, Thorogood, Tretorn, Tailgate, Timberland, Volley, College & Pro Merchandise and Gift Cards.

http://www.ae.com

code 28W73731

Clothing Deals

American Eagle Outfitters Coupons
g: 0 Posted By: SweetClover
Views: 95 Replies: 0 Get a FREE 24-Pack of Instant Noodles and Good Cook Noodle Makerstarting on August 18th at Noon PST/3PM EST! You can see a Time Zone Chart Here.You will need to "like" on Facebook.
Good Cook said: We have an awesome new product debuting here on Monday! Like this if you want to know what it is!

I do not know how many are being given away, this would be great for a college student, or to keep by your office desk.
Totally Free Deals
g: 1 Posted By: VivYip
Views: 251 Replies: 0 the upcoming ad for Staples is up online

note: the 20% bag coupon mentioned in tommythe's threadmight be able to improve the price on any of the items mentioned here.

front page related
FAR Paper Mate Profile ballpoint pens, extra bold, 4/pack 615723, 639118 (limit 1/sku, I think)
$89.99AR Texas Instruments TI-84 Plus 8-line 16-digit graphing calculator 566641
$7 Lexar 16GB JumpDrive TwistTurn USB 2.0 Flash Drive, Black 572925
25% off backpacks

back to school items (limits apply...probably 3/item)
0.15 2-pocket paper folder, assorted 430421, 430579
0.50 Staples composition book, 100 sheets 674330, 912462, 919350, 572549
0.82 Staples filler paper, 8" x 10.5", 120 sheets 772966
0.97 Crayola Classic Markers, Fine Line, 10/Box 381809
0.97 Crayola assorted colored pencils, 12/pack 300525
1.25 Staples glue sticks, .26 oz., 4/pack 334641, 334823
0.75 Really Useful .14L box 172136, 179676, 791523
0.99 Staples mini stapler
$5 calculators

$1 items
-BIC Mechanical Pencils, 0.7mm, 5/Pack 380036
-BIC Cristal Ballpoint Pens, Medium Point 1.0mm, Black Ink, 10/Pack 587618
-Staples poly 1-subject notebook, 8" x 10.5", 70 sheets 127172, 919353
-Staedtler Mars 180 Degree Protractor 274704
-Staedtler Plastic Compass With Safety Blunt Tip 446385
-BELLA 6 QT Shoe Box, Clear with Blue Lid 148187
-Staples Fat Book, 5.5" x 4.25", 200 sheets 481762, 579714
-RoseArt Colored Pencils, 12/Pack 563639
-

$2 items
-Staples Stickies " tape flags, bright colors, 125/pack 474649
-Staples Accel 1-subject notebook, wide or college ruled, 100 sheets, assorted colors
-Staples memo pad, 3.4" x 3.4" 276964
-Westcott 7" Preferred Stainless-Steel Scissors, Straight-Handle 738419
-Sharpie Accent gel highlighters, 3/pack 900210, 900209
-Sharpie permanent markers, chisel tip, 4/pack 474351
-Sharpie twin-tip markers, ultra fine/fine tip, 4/pack 390321, 390323
-Staples " invisible tape, 4/pack 729449

paper related
$1AC/R Hammermill 8.5" x 11" Copy Plus copy paper, 500 sheets/ream (possible better coupon on sunday)
Retail Coupon Code: 54459
Valid 8/17/148/23/14. Valid in U.S. stores only. Discount applies to Hammermill 8.5" x 11" Copy Plus copy paper, 500 sheets/ream, item no. 122408. While supplies last. Limit one coupon per customer. Each item purchased can only be discounted by one coupon, applied by cashier in order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.
B1G1 Staples Brights and Colored card stock
B2G1 All 5- and 10-ream cases

$1 coupon related
-sharpie (possibly use on single marker for 0.29AC, or any of the $2 items, making them $1AC)
-papermate (good item TBD)
-uniball (good item TBD)
-expo dry erase
-mr sketch (good item TBD)

copy/print related
$19.99 items
-Medium Indoor Banner, 4' x 2.5'
-Large Poster, 24" x 36"
-Custom 100 Postcards, 5.5" x 4"
$0.99 item
-Laminating 8.5" x 11" 5 mm

breakroom/cleaning?
2.99AC Nestle Pure Life 0.5L purified water bottles, 24/count

other?
29.99 Omnitech 10 Sheet Cross-Cut Shredder 154011
79.99AR Staples Space-Saver 10-Sheet Cross-Cut Shredder, Black 56327
24.99 Brother P-Touch 2030 desktop labeler 890186
14.99 Logitech M310, M317 or M325 wireless mouse
49.99 iFrogz Audio Coda Forte Bluetooth Headphones with Mic, Black 298027
$10 off $50 AMC/JCPenney GC purchase

(links and info will be updated ASAP and are for reference purposes only)


Hope this might help someone. Thank you for reading.
Office & School Supplies Deals

Staples Coupons
NCAA Collegiate Licensed Cotton Bath Towels (3-pk.) - $24.99 @ Shnoop
Added on : Thursday August 14th 2014 03:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 121 Replies: 0 Shnoop has the NCAA Collegiate Licensed Cotton Bath Towels (3-pk.) for only $24.99 with free shipping.

Each order is for 3 Towels of your favorite team
100% cotton
Measures 27" x 52"
Machine wash
Official NCAA Collegiate Licensed Product

College Teams Available:

Oklahoma Sooners
Ohio State Buckeyes
Georgia Bulldogs
LSU Tigers
Texas Longhorns
UNC Tar Heels
Virginia Tech Hokies
Penn State Nittany Lions
Tennessee Vols
Michigan Wolverines


Walmarthas the next lowest price at $18.88 for only one towel.

Clothing Deals

Shnoop.com Coupons
g: 0 Posted By: kranky
Views: 0 Replies: 0 A company called OnDot has developed a system that lets you use your smartphone to turn your card on and off, limit the types of locations where it can be used, and the dollar amount of purchases by single purchase, weekly or monthly use. Card issuers choose whether to offer the service but OnDot says it has partnered with four of the top ten processors and over 10,000 institutions. You'll also be able to limit card use to a specific radius of your smartphone location. And you turn all those controls on or off with your phone.

Product page http://www.ondotsystems.com/products/control

Leave your card at the bar? Just turn it off instantly.
The card you give your child when going off to college could be restricted to use at grocery stores and gas stations only.
Works for credit, debit and prepaid cards.

This seems like a solid idea for reducing fraud.
Join the FIRE Student Network and get a free FIRE t-shirt
Added on : Tuesday August 12th 2014 07:00:07 AM
g: 0 Posted By: remick
Views: 275 Replies: 0 http://www.thefire.org/student-network/register/

The FIRE Student Network (FSN) is a coalition of students and faculty members who recognize the importance of advancing civil liberties on their campuses. Signing up for the FSN is free!
As an FSN member, you will:
be mailed a free FIRE t-shirt
receive a once-a-month email update specific to students
receive invitations to exclusive educational opportunities and FIRE events
receive updates when there is a FIRE event at your college
have direct access to FIRE staff to discuss the best ways to promote student rights at your college
By organizing students and faculty, the FIRE Student Network strives to change the culture of censorship on college campuses from the inside!

You will recieve an email confirming your sign-up
Totally Free Deals
SoCalif Vons Market BTS School Supplies Week of 08/10/14
Added on : Sunday August 10th 2014 02:00:05 PM
g: 0 Posted By: DaysFan
Views: 240 Replies: 0 http://www.vons.comRoom Essentials1.99 to 8.99 Club PriceSelected varieties.While Supplies Last.http://weeklyspecials.vons.com/SafewayVons08102014VonsSunday/items/large/03_VON32_SUN_V3_V16_WEB_IT-00--1.jpgPapermate Pink Pearl Erasers
$1.00
3-ct. Selected varieties.Notebook
$1.00
100 to 150-page. College Ruled. Selected varieties.Elmer's Glue$1 Club Price4-oz. Selected varieties.
$1.00
Composition Book
100-page. Selected varieties.Lunch Bags6.99 to 8.99 Club PriceSelected varieties.http://weeklyspecials.vons.com/SafewayVons08102014VonsSunday/breakouts/b1057815_6.jpg
Office Max
Filler Paper College Ruled
$1 Club Price
100-page. Selected varieties.
While Supplies Last.Price Valid 8/10/14 - 8/12/14 Filler Paper Wide Ruled
$1 Club Price
100-page. Selected varieties.
Georgia PacificCopy Paper
$3 Club Price
500-ct. page Selected varieties.
http://weeklyspecials.vons.com/SafewayVons08102014VonsSunday/breakouts/b1057815_8.jpg
Crayola Colored Pencils
BUY 2 GET 1 FREE Club Price
12-ct
.EQUAL OR LESSER VALUEPrice
Valid 8/10/14 - 8/12/14 Crayola Colored Markers
BUY 2 GET 1 FREE Club Price
10-ct.
EQUAL OR LESSER VALUEPrice Valid 8/10/14 - 8/12/14 Crayola Colored Crayons
BUY 2 GET 1 FREE
Club Price
24-pack
EQUAL OR LESSER VALUE
Price Valid 8/10/14 - 8/12/14
BIC Brite Liner$3 Club Price5-ct. HighlightersPrice Valid 8/10/14 - 8/12/14 BIC Pens$3 Club Price12-ct. black or blue pens.


Office & School Supplies Deals

Vons Coupons
Best ways to make money while traveling the world
Added on : Sunday August 10th 2014 09:00:09 AM
g: 0 Posted By: eddierd
Views: 32 Replies: 0 Permanently traveling the world sounds like it could quickly drain your finances. But for Derek Earl Baron, 37, founder of wanderingearl.com, it was the most lucrative decision of his life. Hes been on the road for 5,268 days over 14 years visited 88 countries, and worked 10 different jobs.After graduating college, Baron was only planning to travel for three months before buckling down to start his career in sports management. But a week into his trip, he decided corporate life wasnt for him.In just that one week I had so many life-changing travel experiences, that [I thought] there must be so many more of those experiences out there in the world. I decided that I couldnt go back, Baron told Yahoo Finance. Determined to make a living while on the road, he was able to find money-making opportunities that allowed him to save money while seeing the world.Article Continues: http://finance.yahoo.com/news/how-i-saved--24-000-while-travelin...
Discussion Deals
Free Kindle Book - Making A's in College: What Smart Students Know
Added on : Sunday August 10th 2014 01:00:04 AM
g: 0 Posted By: remick
Views: 66 Replies: 0 http://www.amazon.com/gp/product/B004OR1SLA

5.0 out of 5 stars (8 customer reviews)

When youre in college youre a time-manager, organizational expert, and money manager. Plus, of course, you must learnand remembera huge amount of new material.
And, you do have a social life!
Keeping all these balls in the air takes a lot of skill. Fortunately, this Kindle book presents an organized approach to both the support skills and the academic skills youll need. It's illustrated, up-to-date, and includes many useful, interesting live links for more helpful information and examples.
This book is not a textbook. Its a guidebook to success and its easy to read. Packed with proven, cutting-edge information, it gives you a simple, practical system you can put to use right now to make better grades.
It tells you WHAT to do and exactly HOW to do it as you learn to succeed in college.

Heres Some of What Youll Get From This Book
Youll quickly learn to:
Improve Your Memory
Take Great Notes in Class
Improve Your Concentration
Read Better and Remember More
Study the Best, Most Effective Way
Be Testwise on Objective and Essay Exams
Manage Test Anxiety
Overcome Procrastination and Control Distractions
Get Started on Difficult Projects
Get (and Stay) Organized
Manage Your Time

Youll also learn:
The proven BEST way to remember what you read
A useful tip for reading complicated textbook chapters
Strategies for remembering lists of all sorts
The BEST way to study
Workable ideas for reducing test anxiety
And much more

Plus 21 MORE Study Strategies and Favorite Tips from Top Students
In the bonus section youll find 21 more useful ways to build your college success. And seven very successful college students reveal their best study tips.
All Dr. Gibsons tips are organized and easy to use. Some are simple while others are surprisingly counter-intuitive. But they they all work and they come from her extensive experience with university students of all kinds.
Making As in College is by a real study-skills expert, not just another freelance writer. Its easy to read, organized, and its immediately useful. Follow these tips and youll be surprised how much your grades can improve
Books & Magazines Deals
BTS - KMart Back To School Back to College week of 08/10/14
Added on : Sunday August 10th 2014 12:00:02 AM
g: 0 Posted By: DaysFan
Views: 153 Replies: 0 http//www.kmart.comKmart

Valid from August 10 - August 16

deal of the week!
25
Notebooks 70-ct. ,
Wescott scissors 2-pk.
fine tip black Sharpie markers 2-pk.
After $5 minimum purchase,

Limit 5. Purchases of more than 5 are 50 each. Purchase requirement calculated before taxes and after other discounts have been applied and must be made in a single transaction. Excludes non-merchandise, concessions, federal or state regulated items, alcohol, tobacco, firearms, fuel, prior and partial-paid special-order items, items behind the pharmacy counter, and prescriptions.


Character and Fashion duel compartment lunch kits
Reg. $8.99 $9.99
SALE $7.99
Ninja Turtles
Camo
etc.
07355040, #07355043, #07601494
25% off all other back-to-school lunch kits.



Character backpacks with lunch kit
Reg. $17.99
SALE $10.00
Avengers
Disney
Etc.

25% off all other backpacks, messengers and slings. Excludes Team Sports backpacks. Stationery not included.


Backpacks and messengers
Reg. $29.99
$18.00
25% off all other backpacks, messengers and slings.


French Toast uniform polos
Reg. $8.99
$7.00


French Toast uniforms
Reg. $8.99 - $17.99
20% off

Back-to-school shoes
Reg. $14.99 - $19.99
$10.00


Joe Boxer kids socks, underwear and girls bras
Reg. $5.99 - $10.99
BUY THREE GET ONE FREE
Excludes Buy More and Save programs. Of equal or lesser value.


Licensed or fashion notebooks or composition books
2 for $4.00
Taylor Swift
etc.


$10.00
Bic 24-ct. Mark-it markers
Crayola 50-ct. colored pencils
Case-it 2" O-ring Strap binder
iPoint electric pencil sharpener



Members save $5 instantly with a $30 or more Fruit of the Loom purchase

Members Only
Purchase requirement calculated before taxes and after other discounts have been applied and must be made in a single transaction. Discount taken at register. Excludes Fruit of the Loom mens lounge pants. Valid in store only 8/10/148/16/14. Members earn Points on Qualifying Purchases, excluding sales taxes and other fees. Subject to full program terms available at www.shopyourwayrewards.com.Must remain opted-in to receiving promotional emails from SHOP YOUR WAY REWARDS(SM) to earn Bonus Points. Bonus Points are inclusive of, and not in addition to, any Base Points earned on Qualifying Purchases. When Bonus Point offers are combined, total Points earned will be less than the combined Point totals for each individual offer. See www.shopyourwayrewards.comfor details.



Licensed juvenile comforter - Twin
Reg. $32.99
SALE $29.99
Hello Kitty
Transformers


Cannon microplush blanket
Reg. $29.99 - $49.99
SALE $19.99
any size, one price
100% polyester.



Essential Home Complete Bed set - Twin or Full
Reg. $49.99
SALE $34.99
Description:

Set includes
Comforter
Sheet Set
Sham (s)
Bedskirt

Queen and king sizes also on sale.


Black & Decker 12-cup programmable coffeemaker
Reg. $24.99 $31.99
SALE $19.99
SKU: 01669458


Oster .7-cu. ft. stainless steel microwave
Reg. $69.99
SALE $49.99
SKU: 02067989



Black & Decker 4 slice toaster oven
Reg. $34.99
SALE $29.99
SKU: 08360276


Essential Home toaster oven
Reg. $19.99 $20.99
$16.99
SKU: 01113102


Black & Decker 2-slice toaster
Reg. $24.99 $31.99
SALE $19.99
SKU: 02481086


Black & Decker 6-cup rice cooker
Reg. $17.99 $18.49
SALE $14.99
SKU: 44701113

Clothing Deals

Kmart.com Coupons
Upromise sucks.
Added on : Saturday August 09th 2014 05:00:09 PM
g: -1 Posted By: timgodsil
Views: 118 Replies: 2 I was told as part of my 529 plan I could sign up for upromise, which is like ebates, but gives you CashBack to your 529 for college.

So I saw this page.


When Cash Back is deposited:*=11px
=11pxVaries. Cash Back is funded once payment is received from the contributing company, usually within 45-90 days after the Cash Back is posted.

90 days?

Is ebates any better?

Discussion Deals
g: 0 Posted By: remick
Views: 67 Replies: 0 http://www.amazon.com/gp/product/B00A7YPGNK

Visual Manual with 400+ High Quality Samples!!!

Chapters:
- Nature Inspired Home Interior Design
- Modern living room
- Teen's Room
- Kitchens
- Bathrooms



How to Create the BEST of You in Your Home
http://www.amazon.com/gp/product/B00HI4HYXM/

How to Create the Best of YOU in Your Home combines the very best of fabulous and affordable advice from the How to Make it Mine book with the more personal touches found in the How to Find YOU in Your Home book. This two book special offering is jam packed with ideas and practical directions on how to make any space YOUR space, easily, affordably and unimaginably YOU.
This book is all about YOU and how to define your space to create harmony, balance and beauty using what you have where you have!
From the beginning college student to the decorator, this book offers something useful and effective in creating you in your own home.This two year anniversary celebration offer is dedicated to all the DIY creative geniuss who routinely look at a spool and see a table; and can find perfect end tables in old wheels. Your reuse, recycle and rebuild attitude inspires the universe!
Totally Free Deals
Private College 529 Plan
Added on : Thursday August 07th 2014 09:00:09 AM
g: 0 Posted By: thetobster
Views: 8 Replies: 0 https://www.privatecollege529.com/OFI529/PN/generated/en_us/PrimaryNavigation_03-26-10-093449.xml
Have any of you heard / participated in this before?

Apparently you can pay for future tuition (up to 30 years from now) at current tuition rates. I am thinking of doing it for my own MBA which I'll probably get in the next 5-10 years

What do you guys think?
You'll Be Rich in the Military - in Ways You Don't Think
Added on : Wednesday August 06th 2014 11:00:09 PM
g: 0 Posted By: rachelmark7922
Views: 79 Replies: 0 I hear "You'll never be rich being in the military" all the time, from lower enlisted to command level officers. The military perpetuates the mentality that we don't make that much money. I'd like to argue that we do make a lot, and that the military is an incredible steppingstone to the middle class.

When I got shipped off to boot camp, I was making about $400 every two weeks. I always thought to myself how much more I had made in the civilian world. But I wasn't taking into account what didn't show up in my paycheck. Here are 10 big financial benefits of serving in the military:

Training. Depending on your service and military occupational specialty, you'll get up to two years of training before reaching your first duty station. Much of this training translates straight into college credits -- and it looks great on a rsum.
Retirement. The military is one of the last employers in America to offer retirement plans. After serving a mere 20 years, service members can choose to separate with 50 percent of their base pay every month for the rest of their lives. If they're eligible, they can stay up to 30 years to receive 75 percent of their base pay, and high-grade officers can retire with 40 years to receive 100 percent.
Health care. While serving on active duty, service members and their families (spouse and children) will have free health care through Tricare so they are in the peak physical and medical condition they need for their jobs.
Dental. Dental is free for service members, because good oral hygiene is necessary to maintain a deployable status.
Commissary. The commissary is pretty much just an enormous grocery store, with better-than-WalMart (WMT) prices (most of the time). They also have enormous "lot sales" every so often where they have blowout prices of stuff you actually want.
Basic Allowance for Housing. When you're a low enlisted rank, they'll stick you in the barracks (or dorms in the Air Force). The barracks, as terrible as they may seem at the time, save you so much money it's incredible. Typically, they're in the same parking lot as your workplace, so the commute is eliminated. Utilities are included, too. And you don't need to write a check for rent and worry that you won't have enough money, because the basic allowance for housing is granted to all military members. The allowance also gives you the ability to rent a house off-base or to use base housing.
Tuition assistance. Depending on your branch of service, you could be eligible for up to $4,500 per year toward college classes. By taking full advantage of this, you could have an associates's degree in one enlistment and a bachelor's in two. And don't forget that you could earn college credit for your training through the College-Level Examination Program or Defense Activity for Non-Traditional Education Support.
The GI Bill. Typically used after separation, the GI Bill allows you to go to college at no extra cost to you. During the first year of your service, you will pay $100 per month toward the GI Bill. After that, you owe nothing. Service members can choose among two versions (the Montgomery GI Bill and the Post 9/11 GI Bill), and there is a way to get a few extra free credit hours if you switch between them in a specific way. It's also transferable to your spouse or children, although you need to serve at least four extra years after the election has been made.
Thrift Savings Plan. If a pension plan wasn't enough, military members have access to the retirement savings plan, with a traditional and Roth option. It bases allocations on stock indexes and has extremely low operating costs -- read: very, very low expense ratios.
Veterans Affairs loans. VA loans resemble Federal Housing Administration loans -- with a few awesome advantages. These include no down payment and no mortgage insurance requirement. They also usually let you have access to the best current rates available. And you maintain this benefit for life. Married to another service member? Then you each get your own VA loan to use.
Other benefits include military discounts (thank you business owners!), networking (you'll meet hundreds, if not thousands of people during your tour), experience (management and occupational), VA benefits and free simple income tax filings.

I'm not advocating that you join the military for financial reasons, but I am trying to highlight some of the financial perks that you wouldn't see in your paycheck.
Discussion Deals
Why do people blow money?
Added on : Wednesday August 06th 2014 08:00:09 PM
g: 0 Posted By: timgodsil
Views: 41 Replies: 3 I know I am probably opening a can of worms here, but I cannot fathom the sheer amount of consumerism that takes place today.

I know the economy isn't great and all, but I constantly hear people complaining that they are broke. Yet I peak into the lives of these "broke people" and I notice very few people are actually broke.

To me, if you live on a tight budget, shop at thrift stores, drive a '99 Ford Escort and barely scrape by, then yes, you are broke.

But alot of broke people are not broke as a result of their environment, but as a result of their own actions.

They buy a new car and complain they cannot afford the payments. They dress in fancy clothes, wear Beats Headphones, have 65" flat screen TV's, and $15,000 in credit card debt,

People, financially speaking are very nearsighted, they think it's nothing to blow $3 each morning at Starbucks, not realizing they are spending close to $900 a year on their caffeine fix.

When I went to Chicago this year, I went into a Levi store and saw a simple pair of jeans was $78.00, yes...nearly $80 for a pair of pants, and even worse? People were buying them! My $15 jeans from Kmart work just fine.

Walk into a Rolex store..$7,000, for a ....watch. My $20 casio has kept perfect time for nearly 5 years. Again, same thing, people not blinking at dropping 7-15 grand for a watch.

Call me different, but these people dream of being rich, but you cannot create wealth by spending money. Wealth is created by saving money. Some of the richest people in the world, such as Warrent Buffet, live a very cheap way of life. The richest man in China spends $2 on a pair of shoes.

To me, it's very sickening. I suppose it is your money and you can do what you want with it, but why is the concept of "saving money" no longer commonplace among people? They think as soon as that paycheck hits their bank account, its a shopping spree, spare no expense.

I can see these very same people having little to no money put back for retirement, dipping in their kid's college savings, and working until their 80 to pay off their credit card debt.

I'm 22, and not like most people my age. My dad is almost 65 and people his age know the concept of saving money. Seems like people 30 and under have no understanding of it. "Let's make sure we have the largest flat screen in the neighborhood".

A local subdivision was building houses when I was in Chicago. "Single family homes STARTING at $229,000".

Who in their right mind pays nearly $250,000 for a house? You would be in debt your whole life.

It seems that's how people want to live these days, in the red instead of the green. If they can't afford it, they just charge it. You can never create wealth this way.








Credit Deals
Two (2) NCAA Fleece Hoodies - $40.00 @ Finish Line
Added on : Wednesday August 06th 2014 03:00:03 AM
g: 1 Posted By: ShoppingChick
Views: 199 Replies: 0 ​Finish Line has Two (2) NCAA Fleece Hoodiesfor only $40.00 (price is shown in cart). Shipping adds $8.48 for the two items and an additional $2.99 for each item. Offer starts today and expires 9/20/2014.

Great college gift for those recent graduates heading off!
Clothing Deals

Finish Line Coupons
g: 1 Posted By: ctgolfer
Views: 330 Replies: 1 use this link for start of .edu email process
www.bestbuy.com/site/Global/College-Student-Deals/pcmcat27620005...

one of the coupons you'll receive is for $200 off this HDTV

www.bestbuy.com/site/toshiba-40-class-40-diag--led-1080p-60hz-hd...
LED TV Deals

Best Buy Coupons
g: 1 Posted By: ctgolfer
Views: 172 Replies: 1 use this link for start of .edu email process
www.bestbuy.com/site/Global/College-Student-Deals/pcmcat27620005...

one of the coupons you'll receive is for $200 off this HDTV

www.bestbuy.com/site/toshiba-40-class-40-diag--led-1080p-60hz-hd...
LED TV Deals

Best Buy Coupons
Meijer back to college and back to school sale
Added on : Tuesday August 05th 2014 04:00:07 PM
g: -1 Posted By: DaysFan
Views: 238 Replies: 0 http://www.Meijer.com for the weekly ad

$109.99

Avanti 3.3 Cu. Ft. Counterhigh Refrigerator

Valid August 3 - August 16



$24.99
5 Shelf Bookcase


$30
Lulu Stacey Backpack


$19.99
Back To College Area Rugs


$119.99
Sauder Bergen Sofa Futon

$4.99
Collapsible Storage Cube


$24.99
Back To College Scatters


Truly Soft Easy Care Microfiber Sheet Set
$11.99
Save $3 Reg. $14.99
Twin/twin XL.
All Other Sizes and Pillowcases on Sale


97
Crayola 12 Ct. Colored Pencils*


94
1" Fashion Solid Color Binder*


$1.89
Five Star 1 Subject Notebook


$24.99
Big Joe Club Chair


$4.99
Select Under the Bed Storage


$45
Mens NCAA Licensed Team Synthetic Hoodies


$29.99
Room Elements Bungee Chair


$25
iTunes $30 Gift Card Multi Pack*


$7.99
Round Metal Stool/Table


$9.99
Tablet Pillow


$21.99
Sterilite Wide Multi-Tint 6 Drawer


$19.99
BISSELL FeatherWeight Stick Vacuum



$9.99 - $24.99
Decorative Pillows



$7.99
Peaceful Dreams Convoluted Topper


$2.79 - $3.29*
Melamine Dinner Plates, Salad Plates or Cereal Bowls

$3.99
Select Waste Cans


$14.99
Foldable Storage Ottoman

$19.99
Berkshire Serasoft Blanket

$10.99
Rest Right Easy Care Mattress Pad


$14.99
Home Easy Care 250 Thread Count Sheet Set


$9.99
Select Hampers

$7.99
Folding Stool with Handle



$9.99
Memory Foam Bath Rug



$16.99 - $24.99
Select Table and Floor Lighting



$16.99
Berkshire Soft Luxury Oversized Throw


25% off
Select Fashion Backpacks


$16.99
Home T-Shirt Soft Jersey Sheet Set


$6.99
Rest Right Density Pillows

$3.99
Sterilite Storage Crate

$9.99
Fashion Lapdesk

$2.99
Crayola 64 Ct. Crayons

$4.99
Ticonderoga 24 Ct. Pencils

89
Plastic School Box*


$13.99
Mead 1.5" Pro Platinum Fabric Zipper Binder

$12.99
Skechers Light-Up Lunch Bag

$44.99
High Sierra Rolling Backpack

$12.99
TI-30XIIS Calculator

$5.99
BIC 24 Ct. Mechanical Pencils

$14.99
Smart Media Desk

15
2 Pocket Portfolio*

50
Crayola 24 Ct. Crayons*

$4.49
12 Pk. Washcloths

$10.99
Arctic Zone Dome Lunch Bag


$2.39
Quartet Frame Dry Erase Board

$4.99
Mead Pocket Bungee Planner

$9.99
New View Dry Erase, Cork, Chalk or Memo Board

97
Crayola 12 Ct. Colored Pencils*

50
Composition Books*

50
Elmers Washable School Glue or 2 Pk. Glue Sticks*

$1.95
Crayola 10 Ct. Ultra-Clean Washable Markers*


$4.49 - $6.50
Paperback Merriam-Webster Reference Titles

44
7 Ct. No. 2 Yellow Pencils*

$1.47
Fiskars 5 Childrens Scissors*

now $11.99
Teenage Mutant Ninja Turtles Backpack



$124.99
TI-84 Plus Silver Edition Calculator

Valid August 3 - August 16
Grocery Deals

Meijer Coupons
g: 0 Posted By: DizzyT71
Views: 295 Replies: 1 Best Buy College Student Deals: $100 off All MacBook and iMac, $150 off Select Lenovo Yoga or HP Laptops and More w/ free shipping.


In your 2nd email, click "View Coupons Now" to get your exclusive coupons:
-- Save $100 on All MacBook and iMac
-- Save $150 on Select Lenovo Yoga or HP Laptops
-- Save $50 on iPad Air or iPad mini with Retina display

Note: Must have an .edu email address to receive deal.
Laptops Deals

Best Buy Coupons
g: 0 Posted By: DaysFan
Views: 210 Replies: 0 Rite Aidhttp://shop.riteaid.com/
Proctor Silex Durable Hand Blender, 2 Speeds, 1 blender
Orig. $15.99 $14.99 Add to CartProctor Silex Durable Juicer, Citrus, Juicit, 34 Oz, 1 juicer
Orig. $21.99 $14.99 Add to CartProctor Silex Coffee Grinder
Orig. $15.99 $14.99 Add to Cart
5 stars
Proctor-Silex Rice Cooker, Durable, 8 Cup
Orig. $21.99 $14.99 Add to CartProctor Silex Toaster, 2 Slice, Cool-Wall Sides, Chrome 1 toaster
Orig. $15.99 $14.99 Add to CartProctor Silex Durable Iron, Nonstick, 1 iron
Orig. $19.99 $14.99 Add to CartProctor Silex Iron, Durable, 1 iron
Orig. $22.99 $14.99 Add to CartProctor Silex Durable Coffeemaker, 12 Cup, 1 coffeemaker
Orig. $18.99 $14.99 Add to Cart
RiteAid Deals
free online homeschool curriculum for preschool through ninth grade
Added on : Monday August 04th 2014 07:00:15 AM
g: 0 Posted By: sk8008
Views: 82 Replies: 0 http://allinonehomeschool.com/
Easy Peasy - All in One Homeschool Easy Peasy is a free online homeschool curriculum for preschool through ninth grade, generously shared by a homeschooling mom named Lee Giles. More is added to the curriculum as she completes additional grade levels and gets the time to post lesson plans. It is intended to eventually be a college prep program covering all the way through high school. Methodology is an eclectic mix of traditional and "Charlotte Mason" with lapbooking and online resources. It uses real books, picture studies, copy work, and narration techniques, but it also has activity sheets and incorporates other online courses that are more traditionally designed. I placed "Charlotte Mason" in quotes because there was no purposeful intent to employ Charlotte Mason (CM) methods even though some of the methods such as narration and picture studies look like CM.All of the resources you need are linked online. You will need to print out pages for some activities, but basic requirements other than a computer with an internet connection are paper, pencils, scissors, glue, crayons or colored pencils.
http://allinonehomeschool.com/
Totally Free Deals
Big Lots Back to College Home Essentials for the Kitchen
Added on : Sunday August 03rd 2014 04:00:02 AM
g: 0 Posted By: DaysFan
Views: 71 Replies: 0 http://www.biglots.com

Valid from August 03 - August 10


Dan River 6-8 Piece Bed-in-a-Bag
ONE LOW PRICE $29.99 Any Size
Description:
comforter, sheet set, sham(s), bedskirt, styles vary


Black & Decker Steam Iron
Reg. $14
$10
PRICE CUT!


Sunbeam 6 Speed Hand Mixer
Reg. $14
$10
PRICE CUT!


2 Qt. Tea Kettle
$10


Proctor Silex Can Opener
$10


Sunbeam 2 Slice Toaster
Reg. $14
$10
PRICE CUT!



12 Chicken Fryer
Reg. $18
$10
PRICE CUT!


20 Pc. Flatware Set
$10


3 Pc. Frypan Set
Reg. $18
$10
PRICE CUT!


Paula Deen Multi-Piece Cookware Sets
Reg. $79.99
$69.99
SAVE $10, PRICE CUT!

See more deals from Big Lots


Multi-Piece Mason Jar Drinking Sets or Dispenser

$10 Each

HOTTEST FASHION!
from Big Lots
'Summer Job? Time to Start a Roth I.R.A.' (NYT)
Added on : Saturday August 02nd 2014 04:00:04 AM
g: 0 Posted By: tuphat
Views: 24 Replies: 0 No rocket science, but useful backup for those of us who encourage young people to set up Roth IRAs, for summer jobs, etc., esp. where parents can help max out the contribution.

Also: Interesting discussion at end of article about college financial aid and student-owned retirement accounts.

http://nyti.ms/1qCArAA
Discussion Deals
New Arrivals: Paul Smith - Reversible Cotton College Men»s Scarf
Added on : Friday August 01st 2014 09:02:00 AM
Genuine Paul Smith.
College Education Not Allowed for Tax-Credit Housing? WTF?
Added on : Wednesday July 30th 2014 10:00:08 PM
g: 0 Posted By: blindninja1
Views: 36 Replies: 0 Finalizing the paperwork with my landlord for my annual income recertification today, I learned of my consequence for a horrible, unthinkable decision I recently made. My crime? Please don't judge me too harshly, but I enrolled in a teaching certification program. Luckily for me, our government, has a rule in place to make sure my terrible actions will not go unpunished. The punishment? A swift, and all but imminent eviction, of course. I'll try to summarize some of the details:

My current job is no longer meeting the cost of living. Ineed certification to move up to a position that actually pays a living wage
Have a Bachelor's Degree already, can get teaching certification in under 2 years.
I'ma residentin a "tax-credit housing" apartment building
Building is new, relatively upscale, and relatively nice- I love it and don't want to move
Apartment is rent controlled @$585/month,about 1/2 of anything comparable in the area- I can't afford to move
I'm fiscally responsible, have a perfect credit rating, and the thought ofgoing into any debt for anythingother than the student loans I'm using to move up in life is terrifying
The law dictates that I need to move out within 5 months of the day I enrolled in my post grad education.

From my initial research, there seems to be only three ways around the pending life disaster
1) Add my gf to household. Problems: I'd need to get her on board with signing the paperwork, go through the background checks and income verification, make herself legally reponsible for a 2nd lease, and making my apartment her primary residence despite the fact she can't actually, because we both have cats, are not crazy enough to have any more in the same place, and could never bring ourselves to get rid of them like all the poor animals overwhelming shelters
2) Get roommate. Problems: A horrible idea with a million reasons why it would probably end very badly... It's only a 1-br, I'm a neatfreak, they could be a deadbeat... This is a last resort
3) Enroll in a federal or state funding job training program. Problem: I already work and go to school full time, need my current job for my teaching certification program field placement, and might not qualify anyway


Personal Finance Deals
u truly CAN 'marry money".
Added on : Wednesday July 30th 2014 01:00:09 PM
g: -2 Posted By: nicj4070
Views: 80 Replies: 1 Thousands of 3rd world MD's, engineers, Physicists, etc, will do pretty much anything to become US citizens. Each one of them can get 20k per year of loans, grants and scholarships until they get a bachelor's degree from a US college, and then they get 40 k per year for 2 years, to get a master's degree. Since many of them can earn 200k per year, they could not care less that they end up owing 100k by the time they are Citizens (which takes 5 years, minimum) Of course, you have to know how to protect your stuff by having a Nevada corporation own it, and you have to be careful who you choose, but it can be done, and very little money and no special ability, training or education is required. If you care careful where they go to school, it costs 5k per year up to the bachelor's degree, 10k per year from bachelor's to a master's degree. They can only go half time, cause you'll have them working full time, at some lesser (but still well paid) job. they can't divorce you right at the 5 year mark, either, cause that will get Immigration looking and having them deported anyway, as the marriage being a "sham". So, basically, you can have 25-30k per year, cash, untaxed, per year, for 5-6 years. If you can't figure out a way to retire on that much of a head start, I feel for you.
Discussion Deals
Learning How to Save, Retire and Manage Personal Finance
Added on : Tuesday July 29th 2014 10:00:11 AM
g: 0 Posted By: droctagon
Views: 125 Replies: 4 Hi all! I love this forum and try to visit it often as there seems to be a good pool of knowledgeable users. I've posted a few topics here and have received some great advice, a lot of which I did not take. I was recently looking at my 401k balances and really don't understand what is best for me or what it even means. This is what I know:
26.29% POST-86 SIP $23,928.47 $23,928.47 100% 20.29% EMPLOYER NONMATCHING CON $18,467.86 $18,467.86 100% 20.25% EMPLOYER MATCH $18,432.93 $18,432.93 100% 19.01% ROTH 401K $17,305.90 $17,305.90 100% 14.17% 401K $12,895.22 $12,895.22 100%
With a total 401k balance of $91,030.38. A little background on my other finances:

29 y/o engaged with $80k salary in Chicago (salary has been steadily increasing 5-10% since I started out of college with the same company)
$8k in savings earning 1% APR
$0 credit card debt
$6.4k car loan at 2.99% fixed
$36k student loans under 3% APR variable
$100/month into a Roth IRA (started today)

I spoke with a Fidelity representative who runs the 401k account and she suggested immediately opening up a Roth IRA, even if it means $100/month. She mentioned opening up a Roth IRA starts some sort of 5 year clock that is a qualifier for withdrawing money? Can anyone elaborate?

I have also read a good benchmark is to have 1X your salary by age 30 which I have been able to reach that goal. Given that, would anyone recommend maybe putting less into my 401k and putting more into my Roth IRA?

Finally, I will have a few major expenses coming in the next 2-3 years. I would like to be able to put a down payment on a modest priced house (~200-250K) and more immediately like in the next year, come up with $15k for a wedding. Sorry guys, I don't think my fiancee is going to accept a true FW wedding and if you guys aren't aware, 15k is on the low end for a wedding! Ridiculous!

I don't think its worthwhile to attack my car loan or my student loans given the APR. Any help, guidance, advice, articles would be of great help. Thank you all very much for your time.

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

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

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

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

-=-

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

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

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

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

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

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

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

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

Thanks much,
Dell4600
epson xp610 printer 150, sale 90, minus 40% off that
Added on : Monday July 28th 2014 11:00:04 AM
g: 0 Posted By: wimedtypr
Views: 97 Replies: 0 My daughter saw that Target.com had the 150 printer on sale for 89.00. Target Cartwheel also has 40% off of it. We went to Target brick and mortar (the actual store) and the printer is not on sale in the store, but they honor their online price and they stack the cartwheel discount. We just showed the cartwheel barcode on her phone and got the discounts. She will use this at college this year.
All in one printers Deals

Target Coupons
g: 0 Posted By: Xenocrates
Views: 345 Replies: 0 Apple 13.3" MacBook Air: Core i5, 4GB DDR3, 128GB SSD, 13.3" 1440x900 LED- $749.99ACFS(.Edu Email Required)

Note: Best Buy is offering $100 off coupons for select MacBook Air Laptopsto students. You must have an .edu email address to get the coupon code.

Steps:

Sign-upherewith your .edu email.
Coupon codes will be e-mailed to you.
Enter online promotional code under Payment Method at checkout.


Specs:

Intel Core i5 1.4GHz (Haswell)
13.3" 1440x900 LED
Intel HD Graphics 5000
4GB DDR3
128GB SSD
Up to 12 hours Battery Life
Mac OS X 10.9 Mavericks
2.96 lbs.


4.8 / 5 Stars with Customer Reviews
Macbooks Deals

Best Buy Coupons
g: 0 Posted By: biglittle
Views: 121 Replies: 0 http://nflsundayticket.tv

Starts at $199. You must enter some information to see if you qualify. I thought I could just say I live in an apartment, but once you enter your address it verifies it in some way.

At this time, NFLSUNDAYTICKET.TV is available to people who live in a select apartment building where DIRECTV service is not available, attend one of the 10 select universities, or live in one of the following metro areas: New York City, Philadelphia, or San Francisco.

Eligible Universities:

University of Washington
University of Texas at Austin
University of Southern California
University of Michigan at Ann Arbor
University of Florida
University of Colorado at Boulder
University of Alabama at Tuscaloosa
Syracuse University
Ohio State University
Harvard University

Services Deals

DIRECTV Coupons
g: 0 Posted By: st4rdust
Views: 181 Replies: 0 Sephora has thePinch Provisions Minimergency Kit(Orange Candy Striper) for$15.00. Shipping is free on orders of $50 or more to avoid the $5.95 flat rate fee.

I took a homemade kit like this with me to college and it came in handy more times than I would have ever guessed. They also make great bridal shower gifts.

Kit includes:

Adhesive bandage
Safety pin
Earring backs
Deodorant towelette
Nail polish remover pad
Stain remover pad
Clear elastics
Lip balm
Emery board
Tampon
Hair spray
Clear nail polish
Dental floss
Mending kit
Breath freshener
Double-sided tape
Pain reliever

Beauty Deals

Sephora Coupons
g: 0 Posted By: ctgolfer
Views: 63 Replies: 0 Prints up to 12 ISO ppm* in black, up to 19 ISO ppm* in color
To generate documents quickly. Prints duplex up to 5.2 ISO ppm* in black and up to 4.5 ISO ppm* in color.
3-in-1 functionality
Prints, copies and scans for versatility.
Built-in wireless LAN (802.11b/g/n)
Ensures fast data transfer from a wireless connection.
Up to 5760 x 1440 optimized dpi resolution
For crisp images.
Built-in memory card slots
Allow easy, direct-from-memory photo printing from a Secure Digital, Secure Digital High Capacity, SDXC or Memory Stick Duo memory card (not included).
Borderless printing in 3.5" x 5", 4" x 6", 5" x 7", 8" x 10" and 8.5" x 11"
As well as 16:9 media formats to show more detail.
PC-free printing options
Include auto photo correction, select and print photos, crop, rotate and enlarge, view and print-by-date, print-your-own-picture packages, print passport and photo ID, college-ruled, wide-ruled and graph paper and more.
Copies up to 9 ISO cpm* in black, up to 8.1 ISO cpm* in color
For fast copy production. Color, black/white, text, text and image and photo copy modes let you select the setting that best suits your needs.
Copy features
Include auto background removal for text, fit-to-page, reduction and enlargement, color restoration of old, faded photos, scan photos and convert to coloring book pages, scan to CD/DVD, PDF, PC, memory card and more.
Flatbed scanner with 48-bit color input and 24-bit color output
Plus a scan resolution up to 2400 dpi (9600 x 9600 dpi interpolated) to reproduce exact colors.
Scanner layouts
Include borderless, classic borders, picture packages, photo ID, 2-up, 4-up, 8-up, 20-up, index sheet, jewel index, jewel, upper 1/2, lower 1/2 and CD layouts to help meet your needs.
2.5" LCD with touch panel
Allows you to preview and edit your photos before you print for easy operation.
100-sheet paper tray
Along with a 20-sheet dedicated photo tray, so you can print more copies without reloading.
4-color (CMYK, photo black) drop-on-demand MicroPiezo ink jet technology
Ensures lifelike photos. Five ink droplet sizes as small as 1.5 picoliters deliver optimal image clarity.
High-speed USB connectivity
For simple connection to your computer.
Tablet and smartphone printing
Epson Connect enables simple wireless printing from most smartphones, tablets and more.
Apple AirPrint enabled
For Apple iPad and iPhone printing.
*Print speeds vary with use. See manufacturer for info on print speeds.

www.bestbuy.com/site/epson-expression-premium-xp-600-wireless-sm...
All in one printers Deals

Best Buy Coupons
Full Travel Insurance on Credit Card
Added on : Sunday July 20th 2014 02:00:07 AM
g: 0 Posted By: europea
Views: 5 Replies: 0 Can anyone confirm a US credit card which offers full medical travel insurance? I'm late 20s and have been working overseas since college. I've gotten quite used to the full insurance on my Australian card
http://www.anz.com.au/resources/1/e/1e671c004451aa4a80a2eefb15aa... : said: We will cover you for: (a) medical, hospital and ambulance expenses you incur as a result of an illness, injury or death; or (b) dental treatment expenses you incur as a result of an injury to healthy natural teeth; that you suffer while you are overseas, or onboard a cruise that includes a scheduled stopover at an international port.

Since I'm heading back to the states next year I've been looking through all the usual banks and posts here (and some of the less usual ones) but have not had any luck. All the travel insurance seems to be limited to "common carrier" insurance. For instance, the ML benefits description is as follows:
[S=https://card.ml.com/cms/published/root/rps/pdf/Online_MERRILL_Pl... said: https://card.ml.com/cms/published/root/rps/pdf/Online_MERRILL_Plus_Insurance_Benefits_July_2014.pdf:]"As[/S] a Cardholder, you, your spouse or domestic partner and your dependent children will be automatically insured up to one million dollars ($1,000,000.00) against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any Common Carrier on which passage has been purchased for the Insured Person;"
(Emphasis mine)

My first post
Credit Deals
g: 2 Posted By: VivYip
Views: 313 Replies: 2 the Target ad for 7/20 has a few decent back to school items

front page
0.99 items
-elmer's 6pk glue stick
-up&up 12pk colored glue sticks
-sharpie 2pk fine or ultra fine
-Mead 70 sheet composition or spiral bound notebook
-Mead 5-star 4 pocket poly folder
$8 Texas instruments TI-30XIIS scientific calculator
$7 lexar 16gb usb drives

backpacks
$25 trans by jansport backpacks
$20 ipack or double dutch club
$30 grip by High Sierra or ful
$12 licensed backpacks
$8 lunch gear

other BTS items
$2 items
-up&up 1" deluxe D-ring binder
-up&up 24 tc washable crayons
$1.50 items
-up&up 1 subject 100 sheet notbook colege or wide ruled
-Mead five star poly folder
$4 up&up 216 pc office accessory value pack
0.99 up&up 8ct mechanical pencils
$5 items
-pilot G2 5ct roller pens
-scotch magic 2pk tape
$12 sharpie 15 ct permantne marker set with display case

clothing
$16.99 wrangler men's regular or relaxed fit jeans

Hanes
-9.50 6+2pk cotton panties
14.49 v-neck t-shirt or boxer briefs
7.49 boys socks, tees, girls panties
$12 2pk seamless bras
buy 1, get 1 50% off Hanes premium items

college shop(?)
$16 items
-XL twin sized romme essentials reversible comforter or blanket
-XL twin sized T-shirt soft jerset sheet set


coupons in ad
$10 off $50 home purchase coupon (for coupon delivered to your smartphone, text DECOR to Target (827438)
$5 off $15 personal care purchase
$15 off $50 dog/cat purchase

other?
$35 sunbeam 0.7 cubic ft microwave
upto 15% digital gift cards at Target.com
$7.49 tide laundry 69oz 36 load or 75ox 48 load
$6.99 fabric card downy 120 load or bounce 200ct
$10.39 cascade complete 43-60ct action pacs

I only noticed this stuff due to the back to school items... (i usually pay more attention to office supply and Newegg stuff, so I'm not that familiar with what might be hot from Target) links will hopefully be added tomorrow if possible

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

Target Coupons
Free Gold Card & Shaker Cup When You Show a Valid College ID at GNC
Added on : Saturday July 19th 2014 07:00:07 AM
g: 0 Posted By: remick
Views: 159 Replies: 0 https://www.facebook.com/GNCLiveWell/posts/10152533623237418
Limited Eligibility Deals
Menards Back to School free after MIR pens/notebooks
Added on : Saturday July 19th 2014 06:00:07 AM
g: 0 Posted By: timx
Views: 270 Replies: 0 Starts July 20. .89 cent 70 page spiral notebooks college or wide ruled/10 pack pens blue or black... Free after mail in rebate, rebate is in the form of merchandise credit. Limit 10 each
Office & School Supplies Deals
How to Negotiate Salary in Contract Position
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: BigManonCampus
Views: 112 Replies: 6 In my current situation, I'm interviewing for a job which I'm very well qualified for with a combination of practical experience in pricing and analytics with a very solid educational background and references to back me up. I applied to a rather generic position through Careerbuilder to a staffing company who has now set me up in some interviews. This is with a very large company (you have heard of their products, likely you've consumed them as well) and is doing very well financially.

I arrived at the interview and everything went great, but then they got into the details and I found out that this was a "permanent contractor position". Basically, they didn't have any money in the payroll budget but had some in the "professional services" budget, so they have to hire this as a contractor and not as a direct employee. That's concern number one because this staffing company offers no benefits. Secondarily, the money that they are talking is barely $50,000 which is a living wage in my area, but not where I want to be. The good news is the company is very excited about me as a candidate and is flying somebody from the corporate office to interview me ASAP and they think I'm a great fit (though I'm sure they say that to all the girls).

Where things get complicated is that the job is very cool. The job description is very interesting, I will be given a lot of leeway and will be regularly interfacing with a very powerful client. I like everything about the job, I have a passion for the industry and as a bonus, the office is a mile and a half from my apartment. My problem is simply that I don't know if I'm willing to take a huge pay cut from the other irons I have in the fire who are offering the salary I want. My secondary concern is that when I asked about whether or not this position could be considered a temp to hire opportunity, the interviewer offered that if I was successful, she would help me find other full time jobs at the company but didn't offer that there was a path to becoming a full time employee.

At this point, I have an interview with a director who is being flown in from the corporate office next week. My plan is to demonstrate how she can't afford not to hire me, and then lay things straight out that I need either a lot more money or a permanent position (or both). While I think I would love the work and the company, I don't know if I can take this type of pay cut.

I'm not interested in cutting the staffing company out of the picture, I want them to be paid their commission for getting me in the door, but I'm just not interested in making new college grad wages when I have several years of experience and an advanced degree. Has anybody ever successfully turned a contract position into a permanent one?

tl;dr: Have a potential contract gig with crappy money, I love the company, the company is very excited about me. How do I turn this contract gig into a permanent one with better money?
Personal Finance Deals
staples ad for 7/20 is up: $2AC/R paper ream, $20 shredder, BTS items
Added on : Thursday July 17th 2014 06:00:05 AM
g: 3 Posted By: VivYip
Views: 413 Replies: 1 the upcoming Staples ad for 7/20 is online at the website.

paper related
$2AC/R Staples multipurpose paper
Retail Coupon Code 12060
Valid 7/20/147/26/14. Valid in U.S. stores only.
Discount applies to Staples 8.5" x 11" Multipurpose Paper, 500 sheets/ream, item no. 513099. While supplies last. Limit one coupon per customer. Each item purchased can only be discounted by one coupon, applied by cashier in order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.
B1G0.5 All 5- and 10-ream cases

back to school related
$0.15 2-pocket paper folder, assorted Item: 430421, 430579
$0.17 Staples 1 Subject Notebook, 8" x 10-1/2" 321463
$0.25 Staples 12" beveled wood ruler 164566
$0.39 Staples School Glue, 4 oz.855975
$0.48 Staples Ruled 3" x 5" White Index Cards, 100/Pack
$0.50 Staples composition book, 9.75" x 7.5", 100 sheets
$0.50 Crayola standard crayons, 24/pack 299198
$0.68 items
-Staples #2 pencils, 12/pack 476919
-Staples dual dome pencil sharpener, blue 935650
$0.50 Staples poly 1-subject notebook, 8" x 10.5", 70 sheets Item: 127172, 919353
$0.75 Staples Slider Pencil Cases, Assorted 599113
$0.96 Staples pink handheld erasers, 3/pack 271031
$0.96 Staples pink cap erasers, 12/pack 167601
$1 BIC Cristal Ballpoint Pens, Medium Point 1.0mm, Black Ink, 10/Pack 587618
$1 BIC Mechanical Pencils, 0.7mm, 5/Pack 380036
$2 Staples Accel 1-subject notebook, wide or college ruled, 100 sheets, assorted colors
$1.99 after recycling 1" Staples standard view binder
$1.25 Staples glue sticks, .26 oz., 4/pack Item: 334641(online limit 6), 224823
$8 Lexar 16GB JumpDrive TwistTurn USB 2.0 Flash Drive, Black 572925
$0.82 Staples filler paper, 8" x 10.5", 120 sheets Item: 772966(online price is 0.71), 772968(limit 12 online)
$0.97 Crayola classic markers, assorted, 10/pack Item: 381809(limit 6 online), 860124(online price as of 7/3: 1.01, limit 6)
$3 items
-Fiskars 5" soft grip scissors Item: 180870, 580121
-Staedtler Mars Plastic Erasers, 4/Pack 274795
-Staedtler 2-Hole Pencil Sharpener 385099

tech ish
$249.99 ASUS, X551MAV-RCLN06, 15.6" Laptop, 4GB Memory, 500GB Hard Drive, Intel Celeron Item: 1064935 Model: X551MAV-RCLN06
Intel Celeron N2830
4GB DDR3L memory: For multitasking power, not expandable.
True 2-second Instant on
15.6" LED-backlit high-definition widescreen display. Features ASUS Splendid Technology, enhancing the display, providing richer, deeper colors and life-like visuals.
Multiformat DVD/RW drive. Create, customize and enjoy your favorite CDs and DVDs
Intel HD Graphics: Give you the power to you watch your favorite HD videos with crisp imagery, view and edit even the smallest details of your photos and smoothly play todays modern games.

$19.99 Omnitech 10 Sheet Cross-Cut Shredder (sunday, monday) 154011

rewards related
10% on $60 of HP ink
20% on $200 of HP toner
Staples Rewards (including ink): Staples Rewards membership is FREE. Limit one Staples Rewards account per person or at any mailing address. Rewards members receive free shipping on all orders placed on Staples.com or by phone at 1-800-333-3330, excluding orders made at staplescopycenter.com, print.Staples.com, staplespromotionalproducts.com and third-party Web sites linked to Staples.com. Membership number must be supplied during purchase to receive benefi ts. Rewards earned after application of all promotions, coupons, rewards redeemed and instant savings, and are not earned on taxes and shipping charges. For full program details, visit staplesrewards.com.
Valid 7/20/147/26/14. Purchase $60 of HP ink in 1 transaction and earn an extra 5% back in Staples Rewards or purchase $200 of HP toner in 1 transaction and earn an extra 15% back in Staples Rewards on all HP ink and toner. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Standard percent back in Staples Rewards will be excluded from purchases receiving 10% back and 20% back. Staples Rewards are issued online monthly, but only if the value of the reward is at least $10. Rewards expire no less than 90 days after issuance. Balances of less than $10 expire at the end of the calendar quarter. Staples Rewards membership is FREE. Limit one Staples Rewards account per person or at any mailing address. Membership number must be supplied during purchase to receive benefits. Rewards earned after application of all promotions, coupons, rewards redeemed and instant savings, and are not earned on taxes and shipping charges. For full program details, visit staplesrewards.com.


copy/print under $20
$19.99
-Large Poster, 24" x 36"
-100 Postcards, 5.5" x 4"
-Medium Indoor Banner, 4' x 2.5'
-100 Same-Day Matte Business Cards

(links will be updated as soon as possible...a good number of these ARE online w free shipping for members. if prices/info change, OP will be updated ASAP)

Hope this might help someone. Thank you for reading.
Office & School Supplies Deals

Staples Coupons
g: 0 Posted By: VivYip
Views: 15 Replies: 0 the upcoming Staples ad for 7/20 is online at the website.

front page related
$2AC/R Staples multipurpose paper
Retail Coupon Code 12060
Valid 7/20/147/26/14. Valid in U.S. stores only.
Discount applies to Staples 8.5" x 11" Multipurpose Paper, 500 sheets/ream, item no. 513099. While supplies last. Limit one coupon per customer. Each item purchased can only be discounted by one coupon, applied by cashier in order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.

$249.99 ASUS, X551MAV-RCLN06, 15.6" Laptop, 4GB Memory, 500GB Hard Drive, Intel Celeron Item: 1064935 Model: X551MAV-RCLN06
Intel Celeron N2830
4GB DDR3L memory: For multitasking power, not expandable.
True 2-second Instant on
15.6" LED-backlit high-definition widescreen display. Features ASUS Splendid Technology, enhancing the display, providing richer, deeper colors and life-like visuals.
Multiformat DVD/RW drive. Create, customize and enjoy your favorite CDs and DVDs
Intel HD Graphics: Give you the power to you watch your favorite HD videos with crisp imagery, view and edit even the smallest details of your photos and smoothly play todays modern games.

back to school related
$2 Staples Accel 1-subject notebook, wide or college ruled, 100 sheets, assorted colors
$1.99 after recycling 1" Staples standard view binder

not so promoted back-to-school itesm (no need for $25 min for online purchase)


other not great, but could be worse


software ish


copy/print under $20
$19.99
-Large Poster, 24" x 36"
-100 Postcards, 5.5" x 4"
-Medium Indoor Banner, 4' x 2.5'
-100 Rack Cards, 4" x 8"

(in progress)

(links will be updated as soon as possible...a good number of these ARE online w free shipping for members. if prices/info change, OP will be updated ASAP)

Hope this might help someone. Thank you for reading.
Considerations for Emigrating to NZ/ Negotiating Overseas Offer
Added on : Wednesday July 16th 2014 08:00:04 AM
g: 0 Posted By: Kevo171
Views: 28 Replies: 0 Some background-

It's been a longtime goal of mine to emigrate to New Zealand. I spent time there after college with a year long work visa and fell in love with the country.

Somewhat serendipitously,A company in Wellington, NZ that I've done a couple business deals with is recruiting me to move down and work for them. They made an initial offer that was too low and we're currently at the "we want you, what will it take for you to make the move?" phase in negotiations. Signing an offer means getting a residency visa.

My girlfriend (who qualifies as a partner in New Zealand and who would also get residency) also loves New Zealand and is on board with the move.

Stats-

We're both 28 living inColorado. I recently started a job where my total cash compensation per year is $115k, consisting of $95k in salary, $15k in bonus and the remainder in 401k/HSA contributions. GF makes $50k, bringing our yearly income to $165k per year. We are currently saving >$70k per year. We don't own a house, have no debt and have no obligations keeping us in CO.

Wellington is approximately 40% more expensive than Colorado. The company made an initial low ball offer of $70k not knowing what I currently make- I elected not to tell them in case they came in high. I'm hoping to bridge the gap, given that the skill set that I have is in demand and most people who have this skill set live in very expensive locations like the Bay Area, London, etc.

With wages in NZ being generally low, I doubt that the company would be willing to give me anything above my current compensation, and maybe not even that. I'm weighing the value of permanent residency in NZ (which we'd have after 2 years) plus the fulfillment of a longterm dream with the (likely) decrease in purchasing power. My GF might be able to work remotely for her company while living in NZ, but it is by no means a guarantee. Being able to support the two of us in the event that GF has trouble finding a job an additional consideration.

Questions-

What else should I consider in a move like this? Company will pay for airfare for both of us to get down there and moving expenses. It looks like it will cost in the range of $10k US for stuff+dog to get down there. Reading NZ immigration forums, it sounds like it isn't customary for a companies to pick up the tab on animal transport, which is about $4.5k. Most people tend to find that it is better to ship stuff than to buy new given the high prices of consumer goods in NZ.

What else should I ask for? RT airfare to the US x times per year? Contractual compensation in the event of an acquisition/layoff? Additional vacation beyond their standard 4 weeks/year?Yes, FACTA and double taxation on income >$95k USD are also considerations. We'd hopefully skirt the double taxation because of qualified housing expenses.

Thanks, FWF!
Personal Finance Deals
g: 0 Posted By: LCH59
Views: 97 Replies: 0 I was at Costco yesterday and saw that they finally have iPod Touch and iPhones back on sale at the store. I purchased a blue iPod Touch 32 GB 5th Gen (iOS 7) for $234.49 not including tax. I know that the iPod Touch are also available for purchase online but I didn't see iPhones listed online yet. According to Costco employees, the iPod Touch comes with a free two-year Costco warranty but I also purchased the additional 3-year Square D warranty (which kicks in right after the 2-year Costco warranty runs out) for about $35 so that my son has a five-year warranty total. (Note that I would only recommend buying the extended warranty if you are purchasinig this device for someone like my college-age son who loses and breaks lots of cell phones and other electronics, but isn't technically savvy enough to want the latest technology.)

http://www.costco.com/CatalogSearch?storeId=10301&catalogId=1070...

The Costco website shows the inventory of iPod Touch in terms of colors and memory and prices. I did notice that the warranty information has not yet been updated since it states that there is only a one-year Costco warranty for the tablets. Hopefully, this will be updated online soon.

http://www.costco.com/concierge.html

MP3 & iPods Deals
g: 0 Posted By: DizzyT71
Views: 200 Replies: 0 Home Depot has theMagic Chef 18.5 in. W 3.5 cu. ft. Mini Refrigerator in Stainless Lookon sale for $98.00 with free shipping.

Was: $159.00

Whether you're college-bound or simply want a little extra refrigerator space in your home, this Magic Chef 3.5 cu. ft. Compact Refrigerator has the storage options you're looking for. The sleek appearance is matched by its well-designed interior a can dispenser conveniently keeps soda in the door while additional door shelves provide space for other frequently used items. Glass refrigerator shelves are easy to clean.

Energy Star qualified - meets or exceeds federal guidelines for energy efficiency, which means year-round energy savings
Upfront Interior analog controls for making quick adjustments to internal temperature
3 fresh-food shelves provide storage for both larger items and smaller items to efficiently utilize interior capacity
Door shelves help you keep frequently used items up front for easy access
Can dispenser keeps soda cans neat and convenient
3.5 cu. ft. capacity mini refrigerator is manual defrost
Full width freezer compartment allows for freezing of smaller frozen food items
Interior light for easy viewing of stored items
Warranty is 1 Year Parts and Labor, 5 Years on compressor (parts only)



Appliance Deals

Home Depot Coupons
Walmart Back to School Supplies
Added on : Sunday July 13th 2014 10:00:03 AM
g: 0 Posted By: DaysFan
Views: 182 Replies: 0 WalMart

Valid from July 13 - July 19
Mead 70-Sheet Fashion Notebook
50 each

Elmers School Glue Sticks 2 Pack
Was 97 $1.37
50 each pack
ROLLBACK

Crayola Crayons 24 Pack
Was 97 $1.37
50 each pack
ROLLBACK
Valid from July 13 - July 19

HP Laptop
$229
15.6" screen
500GB hard drive
4GB DDR3 memory
AMD E1-2100 accelerated processor
Windows 8

Girls or Boys Character Underwear
$9.74 each pack
Description:
Bonus: 6 pairs for the price of 5
Sizes 48


Crayola Markers 10 Pack
Was $1.97 $2.47
$1.27 each pack
ROLLBACK
Classic or brite
Crayola Colored Pencils 12 Pack
Was $1.97 $2.47
$1.27 each pack
ROLLBACK
Crayola Construction Paper
$4.96
240 Sheets
Sterilite Pencil Box
97 each


Crayola Washable Watercolors 8 Pack
$1.97


Fiskars Pointed-Tip or Blunt-Tip Scissors
Was $1.88
$1.47 each
ROLLBACK


Dixon No. 2 Pencils 20 Pack
Was $1.24
97
ROLLBACK

U.S.A. Gold No. 2 Pencils 10 Pack
$1.84

Elmers Glue Sticks 6 Pack
Was $2.27
$1.97
ROLLBACK
Poly Folder
50 each
Description:
2 pocket or 2 pocket with prongs available
100-Sheet Composition Book
Was 94
50
ROLLBACK
Description:
Wide or college ruled available.
Scotch Laminator$19.97
http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/walmart/140713_061712_3b2.jpg
150-Sheet Wide or College Ruled Filler Paper
82 each

Fiskars Pointed-Tip or Blunt-Tip Scissors
Was $1.88
$1.47 each
ROLLBACK

Valid from July 13 - July 19
Papermate InkJoy 100 Retractable Pens
Was $3.97
$3.77 each
ROLLBACK Valid from July 13 - July 19
Bic Round Stic Pens 10 Pack
97 each pack Papermate Mechanical Pencils 20 Pack
Was $3.97
$2.77
ROLLBACK Sharpie Permanent Markers
Was $5.54 $5.97
$3.97 each pack
ROLLBACK
8-ct. assorted colors; 4-ct. neon
Sterilite Neon Crate
Was $6.97
$3.47 each
AMAZING FIND! Holds letter or legal-sized file folders
ROLLBACK No. 2 Pencils 72 Pack
$3.97
Expo Dry Erase Markers 16 Pack
Was $17.97
$14.97

DONATION PACK
http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/walmart/140713_Donation_Pack_1.jpgTeenage Mutant Ninja Turtles or Frozen Backpack
$9.88 each
SanDisk 16GB Flash Drive
$8.97 each
15.6" Zippered Laptop Sleeve
$18.88
HP 2543 Printer
$49
HP Envy 4502 e-All-In-One Printer
Was $89
$69
Description: Wireless printing from your tablet or smartphone
Borderless photo printing
Two-sided printing
ROLLBACK3-Drawer Medium Cart
$11.97
http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/walmart/140713_071314_17k.jpg
12-Qt. Multi-Purpose Clear Storage Bins 2 Pack or 6-Qt. Shoebox Storage Bins 5 Pack
$4.50 each pack
22-Gal. Latching Storage Tote
$9.97
http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/walmart/140713_071314_17j.jpgCompact 2.7-cu. ft. Refrigerator
Was $99.84
$79.84
ROLLBACK
http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/walmart/140713_073111_9f.jpgStainless-Look 3.5 or 3.1-cu. ft. Compact Refrigerator
Was $128.84
$98.84
http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/walmart/140713_071413_18c.jpg
ROLLBACK2-Door 3.1-cu. ft. Compact Refrigerator with FreezerWas $164.84
$128.84ROLLBACK
http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/walmart/140713_071413_18b.jpg
Office & School Supplies Deals

Walmart Coupons
Target School Supplies
Added on : Sunday July 13th 2014 06:00:01 AM
g: 0 Posted By: DaysFan
Views: 0 Replies: 0 target ad http://www.target.com see the weekly ad
Target

up & up 2-pocket poly portfolio

$0.50 online price*
sold online & in stores



2-pocket poly portfolio with prongs, 50

In many colors.

Back-To-School Shop. Seasonal merchandise; no rain
$0.50 online price*
up & up- 2-pocket Poly Portfolio Folder - Purple or Red $0.50 online price*
up & up 2-pocket Poly Portfolio Folder - Red

4-Ct. Bic Briteliner Highlighters

sale

$1.00 online price* $1.00
Reg.

$1.59

Save 37%
sold in-store only
Back-To-School Shop. Seasonal merchandise; no rain checks.

item details
Number of Pieces: 4
Package Quantity: 4
Ink Color: Pink, Blue, Yellow, Green
Pen Point Type: Medium
Suggested Age: 10 Years and Up
CPSC Warnings: no_warning_applicable


Crayola 10ct Thin Markers - Classic Colors

$1.25

Bic Cristal pens
$1.00

Mead 1-subject Wide Ruled Notebook 10.5"x8" 90-ct. - Assorted Colors
$2

Mead Five Star College-Ruled Reinforced Filler Paper 100-ct.
sale $3.00

$3 store price*
Elmers 12-ct. Disappearing Purple glue sticks

$3 store price*
Ticonderoga 24-ct. yellow No. 2 wooden pencils
Mead Five Star College-Ruled Reinforced Filler Paper 100-ct.
sale $3.00

10CT SHARPIE FINE TIP PERM ASST **
sale $6.00

Mead Memo Planner
sale $7.00

The Board Dudes Magnetic Dry-Erase Calendar 14"x14"
sale
$7.00

$13.00 store and online price*
Despicable Me Backpack

$13.00 store and online price*
Transformers Backpack

$13.00 store and online price*
Circo Pet Pals Backpack - Cheetah

$13.00 store and online price*
Circo Pet Pals Backpack - Dinosaur
Already did Structuring by mistake: options left now?
Added on : Friday July 11th 2014 04:00:06 PM
g: 0 Posted By: unlucky16
Views: 218 Replies: 22 Hello guys, so my friend James recently informed me that he deposited 51k cash in his accounts over a period of 90 days. He was not aware about the 10k (CTR) or any cash (SAR) laws at all as he simply thought that putting in the cash loan he received from his friends to pay off for college tuition for his wife in a bank would be more secure than worrying about storing that money at home or any safe. Now considering its illegal, punishable and what not, if he simply calls IRS and informs them about this mistake, will that be an advisable route? We do envision a potential $10k penalty here. Secondly, if his friends are filing their respective 13k gift tax forms next year saying that they gave cash to James, would that be ok? Please advice.
Personal Finance Deals
g: 0 Posted By: CindyLouWho2
Views: 33 Replies: 0 ~~Remington College - Free Haircuts for Children Under 17 - August
Children under 17 can get a free haircut at Remington College during the entire month of August. Visit the bottom of the page for a list of all locations and dates. NOTE: Anyone who brings in a donation pens, pencils, notebooks, etc. will receive a free haircut, manicure or pedicure.
~~Remington College - Free Haircuts for Children Under 17 - August
Children under 17 can get a free haircut at Remington College during the entire month of August. Visit the bottom of the page for a list of all locations and dates.

~~In addition to helping students, Remington College also wants to help local schools. Throughout August, Remington College student salons will be collecting school supplies for local schools. Anyone who brings in a donation pens, pencils, notebooks, etc. will receive a complimentary haircut, manicure or pedicure
NOTE: Anyone who brings in a donation pens, pencils, notebooks, etc. will receive a free haircut, manicure or pedicure.Who: any child under 17
What: complimentary haircuts!
When: The entire month of August
How: See our list of participating campuses below to see if there's one near you. Appointments are recommended but not necessary - first come, first serve!
http://community.remingtoncollege.edu/reaches_out/cuts_for_kids....
Totally Free Deals
g: 0 Posted By: usernamemax20charact
Views: 241 Replies: 0 from in-store circular


<<<< PAGE 1 >>>>


25% off all your school supplies with purchase of any backpack


- Sharpie permanent markers, fine, 2/pack = $1.99 - $1.99 ER = FREE
sku: 17144
limit 1, while supplies last


- Staples 1 subject notebook, 8" x 10.5", 70 sheets = $0.17
sku: 321463


- Staples 12" beveled wood ruler = $0.25
sku: 164566


- Staples school glue, 4 oz. = $0.39
sku 855975


- crayola standard crayons, 24/pack = $0.50
299198


- slider pencil case, assorted colors = $0.75
599113


- crayola assorted colored pencils, 12/pack = $0.97
300525


- Staples filler paper, graph rule, 8" x 10.5", 80 sheets = $1.76
509651
572531


- bic mechanical pencils, 0.7mm, 5/pack = $1.00
380036


- bic cristal ball pens, black, 10/pack = $1.00
587618


- kleenex facial tissues, 3 boxes/pack = $3.99
56014


- Staples 6 outlet power strip = $5.00
398790(charcoal)
398791 (white)


- lexar twistturn usb flash drive, 16gb = $8.00
572925


- paper mate magic rub erasers, 3/pack = $1.00
421271


- paper mate mates 1.3mm assorted pencils, 5/pack = $2.00
14987


- bic white out 20ml, 2/pack = $2.00
781496


- Staples remarx dry erase markers chisel tip, 6/pack = $2.00
852479 (assorted)
852480 (black)


- Staples #2 pre sharpened wood pencil, 48/pack = $3.00
106257


- bic bu3 retractable ballpoint pens medium, 18/pack = $5.00
924252 (black)
924293 (assorted)


- uni ball 207 retractable gel pens, medium, 4/pack = $5.00
555024 (black)
555025 (assorted)


- omnitech battery pencil sharpener = $5.00
788407


- pentel wow! retractable ballpoint pens, medium 18/pack = $5.00
711766 (black)
711767 (assorted)


- sharpie permanent markers, assorted, 24/pack = $10.00
569443 (fine)
569444 (ultra fine)


- Staples 8.5" x 11" multipurpose paper, 500 sheets/ream = $7.79 - $3.80 easy rebate - $1.99 coupon #41100 = $2.00
513099


- Toshiba laptop intel celeron = $229.99
15.6" / 2GB RAM / 500GB HDD
model # c55b5299
sku: 106944


- 20% off accessories when you buy a pc, tablet, or mobile phone

- save $20 on office 365 home with a pc, or tablet purchase




<<<< PAGE 2 >>>>


recycle your binder, save $2 instantly on the purchase of a new binder for each one you recycle. Excludes Simply brand binders.


- 1" Staples standard view binder with binder recycling = $3.99 - $2.00 binder recycling = $1.99
assorted sku's


- 1" Staples better binder with binder recycling = $7.99 - $2.00 binder recycling = $5.99
assorted sku's


- 1.5" Staples better binder with binder recycling = $8.99 - $2.00 binder recycling = $6.99
assorted sku's


- 2" Staples better binder with binder recycling = $10.99 - $2.00 binder recycling = $8.99


- buy 2 get 1 free on all bubble wrap padded mailers, packing peanuts and avery labels
assorted sku's

offer valid on same sku only, except labels
offer valid in store only


- buy 2, et 1 free on all Staples plastic storage
assorted sku's
valid on any sku of equal or lesser value

in store only


- crayola washable markers, fine, assorted 20/pack = $2.00
582763


- crayola washable water color set, 8/pack = $2.00
738104


- crayola washable crayons, 24/pakc = $2.00
452838


- crayola large washable crayons, 8/pack = $2.00
738120


- crayola broad line washable markers, bold tip, assorted, 8/pack = $2.00
352369


- crayola washable markers, assorted 8/pack = $2.00
430942


- Staples reinforced filler paper = $2.00
326530 (college ruled, 8.5 x 11)
126465 (wide ruled, 8 x 10.5)


- Staples graph ruled notebook, 8 x 10.5, 70 sheets = $2.00
919352


- Staples accel 1 subject notebook, wide or college ruled, 100 sheets = $2.00
assorted sku's


- Staples book covers, one size fits all, 2/pack = $3.99
132056


- elmer's school glue sticks, 8/pack = $4.00
488126 (purple)
576374 (clear)


- Staples jumbo book cover = $4.49
131099
132054
132055



GET A $5 Staples GIFT CARD WHEN YOU SPEND $20 ON THESE BRANDS (after easy rebate)

>> brawny, sparkle, angel soft, quilted northern <<


- brawny pick a size paper towels, 6 big rolls = 8 regular rolls = $5.99
37529
in store only


- sparkle pick a size paper towels, 6 big rolls = 8 regular rolls = $6.99
570805
in store only


- angel soft bath tissue, 24 big rolls = 36 regular rolls = $11.99
445260
in store only


- quilted northern ultra soft, 30 double rolls = 60 regular rolls = $19.99
146847
in store only


- 20% off starbucks verismo pods
assorted sku's


- verismo 580 brewer = $119.99 - $20 IS = $99.99
284932




<<<< PAGE 3 >>>>


SAVE $20 ON ALL IPAD MODELS


- Samsung galaxy tab 3 lite = $149.99
578764


- Samsung galaxy tab 4 - 7" = $199.99
1000328


- Samsung galaxy tab 4 lite - 10.1" = $349.99
1000329


- google chromecast = $35
397061


- Roku stick = $49.99
1013705


- Roku 3 = $99.99
331346


- apple tv = $99
164144


- Toshiba i3 laptop = $549.99 - $120 IS - $50 ER = $379.99
c55-b5272 / 15.6" / 6GB RAM / 750 GB HDD
1064942


- Toshiba pentium laptop = $499.99 - $50 ER = $449.99
c55-b5270 / 15.6" / 8GB RAM / 500 GB HDD
1064943

- HP touch screen i3 laptop = $699.99 - $100 IS - $50 ER = $549.99
17-f061us / 17.3" / 6GB RAM / 500GB HDD
1065196


- Logitech m310, m317, m325 wireless mouse = $19.99
assorted sku's


- western digital my passport portable hard drive
1TB = $69.99
086377

2TB = $119.99
265652


- microsoft all in one media keyboard = $39.93 - $10 IS = $29.95
1020301


- emtec usb flash drives = $6.99 to $9.99
assorted sku's




<<<< PAGE 4 >>>>


$4 back in Staples rewards per recycled cartridge when you purchase $60 or HP ink or $200 of HP toner
limit 5 per customer


- brother hl 2240 laser printer = $69.99
886402


- brother hl 2270 laser printer = $99.99
887222


- brother hl 2280dw wireless laser all in one = $129.99
923337


- brother mfc 9340cdw color laser all in one = $349.99
187953


- epson workforce wf 2530 = $79.99
954260


- epson expression xp 610 wireless all in one = $99.99
264214


- epson workforce wf 3640 wireless all in one = $149.99
236209


- epson workforce pro wf 4630 = $189.99, plus save $50 when you trade in
242602


- HP envy 4500 wireless 3 in one = $79.99
203429


- HP officejet pro 8610 wireless all in one = $149.99
159212


- HP officejet pro 8630 al in one = $299.99
159209


- HP laserjet pro color m451dn laser = $299.99
421682


- HP color laserjet m476nw wireless all in one = $399.99
580954


- canon pixma mg3520 = $49.99
281838
571280


- canon mf8580cdw color laser all in one = $399.99
181111


- Samsung m2830dw laser printer = $79.99
1013935


- Samsung m2880fw laser printer = $299.99
1013936


- Staples 8.5 x 11 multipurpose paper, 5,000 sheets/case = $31.99 each when you buy 2
513096
in store onlyh
limit 4 offers per customer


- Staples roncer chair = $59.99
934099 black
571981 blue


- Staples torrent chair = $119.99
923571


- Staples hyken chair = $149.99
990119


- Staples islie chair = $49.99
433188 black
434791 pink


- Staples turcotte chair = $69.99
934102 brown
934103 black


- Staples siddons chair = $79.99
449525 black
446871 brown


- Staples corvair chair = $89.99
934100


- Staples eckert chair = $149.99
460130


- Staples stanmore chair = $199.99
923279


- Staples denville chair = $199.99
136814


- Staples 10 sheet shredder = $99.99 - $20 ER = $79.99
940511


- Staples 12 sheet shredder = $149.99 - $50 ER = $99.99
870264


Office & School Supplies Deals

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

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

What do you think thebest move is for me career wise?
Discussion Deals
College Student. Retirement Plan
Added on : Sunday July 06th 2014 08:00:04 AM
g: 0 Posted By: Joshhh
Views: 68 Replies: 0 I'm 20, single, 3rd year college student with a part time job $20K income this year. No debt (all $20K can be used for saving because of the full scholarship). Looking to start my retirement plan and lessen my tax. I am thinking about having a Roth IRA saving account, is it the right choice? I don't have much knowledge about investing.
Investing Deals
college student, house with dad after graduation
Added on : Thursday July 03rd 2014 11:00:04 AM
g: 0 Posted By: mccyjcb
Views: 134 Replies: 6 I'm a 21 year old college student going in to the field of finance and I have two years left. My dad has been looking to buy a house for the last year but since he is 53 and a blue collar worker, he didn't want to buy too expensive of a house. He has recently learned that his whole plant may be shutting down in the next 2-4 years and so he is going to lose his $45k job. After that, he says he is just going to become a trucker. That ruined his plans of buying a house. He came to me with a plan: wait til I get out of college and find a job (hopefully at least $45k a year), and then get a VA loan using his veteran status. So I won't need any down payment and we won't have to pay mortgage insurance and we get the better mortgage rate versus a conventional loan. We will live together obviously, but I will be in a house of my choosing at the age of 23 or 24, we will both be paying $800-$900 a month towards the mortgage. My name will go on the loan that way if he dies, I take over the loan which is fine by me. When I graduate, I will have about $16k in student debt. I already have a 730 FICO score. I do have a part time job and I am saving money for when I move out. My dad wants me to live a better life than him so there is no reason to think he would be trying to screw me over in any way, we are very close. This obviously depends on how long he keeps his job so we can secure a loan, and how long it takes me to find a job. I also have a friend who I know would move in with me so there's an extra $300 a month for the mortgage.

Basically:
Two years left of college, me and my dad want to buy a house after I graduate and find a job using his veteran status for a VA loan. I get no down payment, no mortgage insurance, a better interest rate and a house of my choosing at the age of 23 or 24. I don't see any downsides to this. Help me point out flaws that way I can go over them with him.
Question Deals
g: 2 Posted By: MISTERCHEAP
Views: 210 Replies: 0 DIRT CHEAP School Supplies (get a ton of stuff for $25+ PRE SALE PRICES/ $10 or so post sale shipped) at Staples.com (Crayola, Notebooks, Pens, Pencils, etc)NOTE:All prices below are valid with an order of $25 or more so mix and match items to get to that total. Most items are limited to 6-12 per customer.

NOTE: Items must add up to $25 based on full prices, all will be discounted at checkout, so actual spend $10-15.

www.staples.com

* Crayola Colored Pencils 12 ct $0.97
* Crayola Classic Markers (Broad Line) 10 ct $1.01
* Staples #2 Yellow Pencils 12 pack $0.89
* BIC Cristal Ballpoint Pens 10 Pack $1
* Staples Dual Dome Pencil Sharpener $0.59
* Staples College Ruled Filler Paper 120 sheets $0.71
* Crayola Crayons 24/Box $0.50
* Staples Pink Wedge Erasers 3/Pack $0.69
* Staples 1 Subject Notebook Wide Ruled $0.17
* Staples 1 Subject Notebook $0.17 (note that $25 purchase is not required for this item)
Office & School Supplies Deals

Staples Coupons
g: 9 Posted By: VivYip
Views: 691 Replies: 3 the upcoming Staples ad for 7/6 is online at the website.

front page related
$0.01AC/R Staples multipurpose ream paper (coupon is limit 1, but i hope rebate is limit 4...not sure yet)
$279.99 Asus X551MA 15.6'' Laptop Item: 573082 Model: X551MA-RCLN03
Intel Celeron N2815 1.86GHz, up to 2.13GHz Burst Processor
4GB System Memory (DDR3)
500GB 5400RPM
15.6" HD Display
SMDVDRW
Wireless 802.11n

back to school related (needs min purchase of $25 for online orders though) (no mention of in-store limits)
$0.15 2-pocket paper folder, assorted Item: 430421, 430579(online price is 0.13/ea, but OOS)
$0.82 Staples filler paper, 8" x 10.5", 120 sheets Item: 772966(online price is 0.71), 772968(limit 12 online)
$0.97 Crayola classic markers, assorted, 10/pack Item: 381809(limit 6 online), 860124(online price as of 7/3: 1.01, limit 6)
$0.50 Staples composition book, 9.75" x 7.5", 100 sheets
$0.96 Staples pink erasers Item: 167601(online price 0.64, limit 12), 271031(online price 0.69, limit 12)
$1.25 Staples glue sticks, .26 oz., 4/pack Item: 334641(online limit 6), 224823
$2 Staples Stickies " tape flags, bright colors, 125/pack 474649(limit 12 online)
$8 Lexar 16GB JumpDrive TwistTurn USB 2.0 Flash Drive, Black 572925

Not tempting for me, but just in case
$3.99 Kleenex facial tissues, 3 boxes/pack 56014 (link?)(priced until 9/20/14)

not so promoted back-to-school itesm (no need for $25 min for online purchase)
$2 Staples Accel 1-subject notebook, wide or college ruled, 100 sheets, assorted colors
$1 Pentel R.S.V.P. Ballpoint Pens, Fine, Assorted, 5/Pack 474028
$2 BIC Cristal Ballpoint Stick Pens, Bold Point, Assorted Fashion Colors, 24/Box 440689(link does not show same price yet)
$2 Paper Mate Erasermate ballpoint pens, medium, 5/pack Item: 421222(link does not show same price yet), 421230(link does not show same price yet)
$3 Expo dry-erase markers, fine tip, assorted, 4/pack 282475
$5 Paper Mate Profile Elite Pens, 1.4 mm, Assorted Ink, 8/Pack 893817(link does not show same price yet)
$5 Sharpie permanent markers, 12/pack Item: 371792(online $6 as of 7/3), 463710(online $6 as of 7/3), 481034(online $6 as of 7/3)
$2 Sharpie Accent gel highlighters, 3/pack Item: 900209, 900210
$5 Paper Mate Profile Retractable Ballpoint Pens, Bold Point, Assorted, Dozen 924808(online does not show same price yet?)
$3 Staples Pre-Sharpened #2 Yellow Pencils, 4 Dozen 106257(online does not show same price yet)

other not great, but could be worse
$69.99 Brother HL-2240 laser printer 886402(I prefer $50, but that seems like an extinct price, sorry)
25% off backpacks
$1.99 after binder recycling discount 1" Staples standard view binder (man, I wish there're rebates...heheh ^_^)
$1.50 Staples notebook/composition books
-Staples 10.5" x 8" animal notebook, 70 sheets, wide ruled 130720
-Staples animal composition book, 80 sheets, wide ruled 421252
-Staples 10.5" x 8" sports notebook, 70 sheets, wide ruled 130721
-Staples sports composition book, 80 sheets, wide ruled 421253
-Staples floral composition book, 80 sheets, wide ruled 126463
$2.95 for 5 shipping boxes (0.59/box after min purchase of 5)

$4 back in Staples Rewards per recycle cartridge
Limit 5 per customer. Multipack toners count as 1.
Valid 7/6/147/12/14. Limit of 5 recycled cartridges will earn $4 back during the promotion. Purchase $60 of HP ink or $200 of HP toner in 1 transaction and earn $4 back in Staples Rewards on ink and toner cartridges recycled on same day of qualifying purchase for in-store purchases, or within 7 days for delivery purchases. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Standard monthly recycling rewards will be excluded from recycled cartridges earning $4 back. Standard limit of 10 cartridges per calendar month per customer still applies regardless of amount earned per recycled cartridge.

software ish
FAR QuickBooks Online 2014 264284 (I tend to avoid this, but just in case some people are willing to try their luck)
$19.99 McAfee Internet Security 2014 (1 User) [Boxed] 264171 (I don't see rebate form for this, so it might be straight out the door pricing)

cartoon related page
0.99 SpongeBob dual-hole pencil sharpener 574369
0.99 SpongeBob 2-pocket folder 576349
0.99 Teenage Mutant Ninja Turtles dual-hole pencil sharpener 574364
0.99 Teenage Mutant Ninja Turtles 2-pocket folder 576351
$1 SpongeBob die-cut erasers, 2/pack 574232
$1 Teenage Mutant Ninja Turtles die-cut erasers, 2/pack 574286
$1.49 Hello Kitty 2-pocket folder 580234
$1.49 Hello Kitty zippered pouch 436756

teenager related page
$0.69 Teen Vogue lipstick eraser 575181
$0.69 Teen Vogue die-cut erasers, 2/pack 575183
$0.69 Teen Vogue printed wedge erasers, assorted, 2/pack 575182
$0.99 Teen Vogue paper ports 777159
$0.99 Teen Vogue wrapped pencil sharpener 574370

copy/print under $20
$19.99
-Large Poster, 24" x 36"
-100 Postcards, 5.5" x 4"
-Medium Indoor Banner, 4' x 2.5'
-100 Rack Cards, 4" x 8"

(links will be updated as soon as possible...a good number of these ARE online w free shipping for members. if prices/info change, OP will be updated ASAP)

Hope this might help someone. Thank you for reading.
Office & School Supplies Deals

Staples Coupons
g: 6 Posted By: VivYip
Views: 250 Replies: 2 the upcoming Staples ad for 7/6 is online at the website.

front page related
0.01AC/R Staples multipaurpose ream paper

needs $25 min purchase
$0.15 2-pocket paper folder, assorted Item: 430421, 430579
$0.82 Staples filler paper, 8" x 10.5", 120 sheets Item: 772966, 772968
$0.97 Crayola classic markers, assorted, 10/pack Item: 381809, 860124
$0.50 Staples composition book, 9.75" x 7.5", 100 sheets
$0.96 Staples pink erasers Item: 167601, 271031
$1.25 Staples glue sticks, .26 oz., 4/pack Item: 334641, 224823
$2 Staples Stickies " tape flags, bright colors, 125/pack 474649
$8 Lexar 16GB JumpDrive TwistTurn USB 2.0 Flash Drive, Black 572925

Not tempting for me, but just in case (still need $25 min purchase)
$3 Kleenex facial tissues, 3 boxes/pack 56014

no need for $25 min purchase (that i can see at least)
$2 Staples Accel 1-subject notebook, wide or college ruled, 100 sheets, assorted colors
$1 Pentel R.S.V.P. Ballpoint Pens, Fine, Assorted, 5/Pack 474028
$2 BIC Cristal Ballpoint Stick Pens, Bold Point, Assorted Fashion Colors, 24/Box 440689
$2 Paper Mate Erasermate ballpoint pens, medium, 5/pack Item: 421222, 421230
$3 Expo dry-erase markers, fine tip, assorted, 4/pack 282475
$5 Paper Mate Profile Elite Pens, 1.4 mm, Assorted Ink, 8/Pack 893817
$5 Sharpie permanent markers, 12/pack Item: 371792, 463710, 481034
$2 Sharpie Accent gel highlighters, 3/pack Item: 900209, 900210
$5 Paper Mate Profile Retractable Ballpoint Pens, Bold Point, Assorted, Dozen 924808
$3 Staples Pre-Sharpened #2 Yellow Pencils, 4 Dozen 106257

other not great, but could be worse
$69.99 Brother HL-2240 laser printer 886402 (I prefer $50, but that seems like an extinct price, sorry)
25% off backpacks
$1.99 after binder recycling discount 1" Staples standard view binder (man, I wish there're rebates...heheh ^_^)
$2.95 for 5 shipping boxes (0.59/box after min purchase of 5)

$4 back in Staples Rewards per recycle cartridge
Limit 5 per customer. Multipack toners count as 1.
Valid 7/6/147/12/14. Limit of 5 recycled cartridges will earn $4 back during the promotion. Purchase $60 of HP ink or $200 of HP toner in 1 transaction and earn $4 back in Staples Rewards on ink and toner cartridges recycled on same day of qualifying purchase for in-store purchases, or within 7 days for delivery purchases. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Standard monthly recycling rewards will be excluded from recycled cartridges earning $4 back. Standard limit of 10 cartridges per calendar month per customer still applies regardless of amount earned per recycled cartridge.

FAR QuickBooks Online 2014 264284 (I tend to avoid this, but just in case some people are willing to try their luck)

(links will be updated as soon as possible, by end of morning...a good number of these ARE online w free shipping for members)
(in progress)
Office & School Supplies Deals

Staples Coupons
college savings plans
Added on : Saturday June 28th 2014 10:00:09 PM
g: 0 Posted By: cutemitu
Views: 36 Replies: 0 I have recently started researching about 529k plans but as a newbie, I have several questions:

1. Are 529k plans changeable? I understand the plans allow changes only once or twicea year? I live in CA. If I open a CA plan, can I change to another state' plan later, like aVA or NV plan? CA does not offer any income tax deduction.

2. What is your recommendation between direct and advisor sold plans? I manage my own 401k plan including rebalancing.

3. I heard that pre-paid plans are not as popular as savings plans? Is there a limitation on which colleges to choose from for the prepaid plans? Any other pros and cons I should be aware of?


Investing Deals
g: 0 Posted By: MISTERCHEAP
Views: 76 Replies: 0 http://www.homedepot.com/p/Magic-Chef-3-5-cu-ft-Mini-Refrigerato...
Appliance Deals
g: 0 Posted By: DizzyT71
Views: 325 Replies: 2 Best Buy has theiPad Mini w/ Retina Display 16GB Wi-Fi (Silver) + Targus Vuscape Case + Kaspersky Internet Security (3PC) College Students Onlyon sale for $349.99 -$50.00 edu coupon code (get coupon codeHERE) = $299.99 with free shipping.

Also available in Space Gray

Compare at Amazon for $359.95.

Android 4.4 (KitKat) OS
1.2GHz dual-core processor
Apple iOS 7; 7.9 Retina display; 2048 x 1536 resolution
A7 chip with 64-bit architecture and M7 motion coprocessor
Wi-Fi (802.11a/b/g/n) with MIMO; 16 GB capacity
5 MP iSight camera; 1080p HD video recording
Up to 10 hours of battery life; 0.73 lbs

4.8/5 Stars based on 1,119 customer reviews on product page.


iPads Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 51 Replies: 0 http://www.amazon.com/gp/product/B007KOXFUG

Improving athletic performance through the ancient principles of the Martial Arts. Introducing Reactionary Training, the only step by step guide with the most extreme training techniques guaranteed to improve your athletic and sporting results. Whether you are a Coach, Athlete or the Parent of an athlete in Middle School, High School, College or even a Professional this program will give you the tools and strategies you need to be a winner. This will take you to the next level in Baseball, Football, Soccer, Softball, Basketball, Tennis and Golf etc... This program will literally explode your athletic and sporting career by empowering you with the exact tools and strategies you need to be a winner!
Totally Free Deals
g: 4 Posted By: Mr0ffic3r
Views: 275 Replies: 5 Expecting lots of red, and its OK. My name is Mr0ffic3r and I was a deadbeat, I admit it. College and the whole being invisible in your 20s got the best of me. For the record, I am no longer a dead-beat. You guys (FWF) have put me on the right side of the road. As you will read below, I tried to make this right. But sometimes 'right' is not the correct thing to do for my family.

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

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

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

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

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

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

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

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

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


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


To the Obligatory 'Pay Your Bills Deadbeat' posts I see in my future... is 'I Tried/Wanted To' an acceptable response?
Personal Finance Deals
g: 0 Posted By: j129
Views: 105 Replies: 0 A little backstory.
I am a foreign Medical graduate with a green card (will get my citizenship later this year).
I've decided that I don't want to pursue medicine as a career. I want to try something Managerial and based on research, have decided to do a Masters in HealthCare Administration.
All that I've read, seems to say that this is a growing career path with a lot of potential.

My financial situation.
Used to work as a pharmacy tech while I was preparing for the USMLE,but after a lot of procrastination and doubtI have finally decided that I didn't want to take the USMLE.
I don't want to be a doctor.
I don't have much saved (been in the US of A for 3 years), have about $4k in my bank account.
Live with my parents but I don't ask them for any money. They put a roof over my head and food on the table for no cost, and that is more than enough for me.

Plans for the future.
After spending a lot of time trying to figure out what I want to do with my life (am also really interested in stuff like Advertising, Media, things of that nature, but have no idea how to get into that, since I don't have any background in media whatsoever)
and decided on the MHA program.
I live in CT and there are two universities here that offer the MHA program.
The one that I like is the University of New Haven.

The cost is $825 per credit (42 credits) = $34,650. I have spoken to the Financial Aid officer at the university and he told me that I can easily get a Federal Direct Unsubsidized Student Loan (and it's not need based).
FA can pay a maximum of $20,500 per year, so for the first year (27 credits = $22,275) I'd be short a few thousand + cost of books. So there's another loan called the Graduate Plus Loan that I can get, which will pay for the rest.
Interest Rate for the former loan is 6.21% and for the latter is 7.21%.

My questions.

1. Is financial aid taxable?

2. The Median salary for someone with a Masters in Healthcare administration is about $70-80,000. A faculty member I spoke to, said that I should easily be able to start off with a $55,000 salary at least. And it'll go upwards from there.
Does taking a loan of $40,000 (assuming books etc) make sense?

3. Hoping to get an assistantship that'll cut the tuition cost by 50%. If it does get cut, would it be possible for me to hold on to the surplus FA I'm getting? Because....

4.. I'm single right now...But the plan is to get married next year. Yes...I won't have a permanent job, and I know all the problems I'll face getting married before I'm able to stand on my own feet, but it's complicated and it needs to happen by next year, or it'll never happen.
My fiance will not move here until she received her green card, and that's not going to happen till we get married, so it's going to be a while before she comes here, and hopefully by then, I'll be really close to completing. (Begins in Sept 2014. Ends in March 2016).
Iwill need about $15k..if I save that from FA, can i just use that? The reasoning behind that being, that I would not have to pay off the loan till 6 months after I graduate giving me enough time to find a job and start paying it off.
As opposed to taking a personal loan (also something I know nothing about) but which I think, I'd have to pay back sooner and the interest rate would be higher?

4. Do local universities carry more weight in their home towns? I asked local folk. Friends of my mother from church, and they all seem to have a high opinion of the University of New Haven.
It is ranked #101 here.I couldn't find a ranking for it's MHA program but I've heard that a lot of universities pay for these rankings so I don't know how much attention to pay to it.
I guess my main worry is, is it worth it? Am I getting into something that's not good for me?

5. A friend I know from medical university who later moved here to do her Masters in Public Health (she was always passionate about it), says that in her opinion $35k is a lot (no subsidized in-state costs because UNH is private) and if I'm spending that much, I'd rather go to a better university.
Problem with that reasoning is, that I'd have to move to a different state. Have to take a bigger loan to pay for housing and food and end up in even more debt. It's easy for her to say because her tuition was paid for by her parents.
But what do you guys think?

6. What's a better way to get jobs? Networking or interning? I have no problem doing tons of internships but I would rather try and find some part time work that'll put some money in my pocket.

I would highly appreciate any help that I can get.
I never went to high school or undergraduate college in the U.S so I really don't know how all this functions.
Would appreciate any suggestions, ideas that you'd provide.

Thank you.
Personal Finance Deals
g: 2 Posted By: remick
Views: 294 Replies: 0 http://www.amazon.com/dp/B00ECDZB9Q

THIS BOOK WITH HIGH SCHOOL & COLLEGE LEVEL COGNITIVE ENGLISH SPELLING EXERCISES IS FOR THE STUDENT, PARENT, TEACHER OR TUTOR. THE COGNITIVE EXERCISES REVOLVE AROUND FINDING THE MISSING LETTERS IN WORDS. COGNITIVE PATTERN RECOGNITION FORMS THE VERY BASIS OF OUR THINKING AND HUMAN INTELLIGENCE. SOLUTIONS PROVIDE ONE OR MORE WORDS MATCHING THE MISSING LETTERS PATTERN. THE COGNITIVE ENGLISH SPELLING EXERCISES ARE AT DIFFERENT CHALLENGE LEVELS ALLOWING CUSTOMIZATION FOR EACH STUDENT.


Also Free

Write the Darn Book
http://www.amazon.com/gp/product/B009TSNY8O

Write with Lions
http://www.amazon.com/gp/product/B00GFB73SU

How to Write More Words More Easily (Fiction Writing HELP Book 1)
http://www.amazon.com/gp/product/B00HGY92M0/

Slow Your Prose: 25 Tips on How New Authors Can Improve Their Craft
http://www.amazon.com/gp/product/B005PHAHBU

Four Seasons of Creative Writing: 1,000 Prompts to Stop Writer's Block
http://www.amazon.com/gp/product/B009GLMF7U

How to study at university and college using personal development planning (PDP) and how to prepare for employment. Developing successful study skills and time management.
http://www.amazon.com/gp/product/B00BM4KFFI/
Books Deals

Amazon Coupons
Business dispute help
Added on : Tuesday June 10th 2014 11:00:07 AM
g: 1 Posted By: money2011
Views: 224 Replies: 6 I own a small business where I buy and sell textbooks. I sell primarily to other companies who are in the business of selling used textbooks to students or renting them out. I just received an e-mail today from a company I've been selling to for a year stating that they are refusing to pay for already delivered books until I provide them with proof of purchase.

1. I can't provide that since I buy from students on college campuses or through craigslist.
2. Even if I could, I would not since that would be divulging sensitive information and could just allow them to bypass me and by directly from my source.

They currently owe about 6.5k. Their terms and conditions on their website state that all legal matters must be held in their jurisdiction which I do not live in. Their T and C however, states nothing about possibly requiring proof of purchase.

What should I do?
Personal Finance Deals
Inherited/will inherit nearly half a million, what to do?
Added on : Monday June 09th 2014 05:00:12 PM
g: 4 Posted By: echpirate
Views: 2974 Replies: 53 Hey everyone,

I was lucky enough to graduate college with no debt, a car that was given to me and no student loans etc. My parents also said they would pay for whatever grad school I have which is obviously wonderful. On top of that I had about 180k in stocks and funds when I graduated and not have about 210k since I inherited the first part of a family farm being sold and will inherit another ~240k in 2016.

In total I will have about 430-450k depending on how much I spend and earn between now and then. I know that may not sound like a lot of money these days but I'm only 25 and to me it is. What would you do with it? I plan on investing it to turn it into millions someday but I bet that won't be too easy. I'm very frugal and cautious with money and won't spend it on anything I don't need. I'm not trying to flash it it anyone's face either I just wanted to see what other people think.

Thank you!
Investing Deals
Inherited/will inherit over nearly half a million, what to do?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: echpirate
Views: 3 Replies: 0 Hey everyone,

I was lucky enough to graduate college with no debt, a car that was given to me and no student loans etc. My parents also said they would pay for whatever grad school I have which is obviously wonderful. On top of that I had about 180k in stocks and funds when I graduated and not have about 210k since I inherited the first part of a family farm being sold and will inherit another ~240k in 2016.

In total I will have about 430-450k depending on how much I spend and earn between now and then. I know that may not sound like a lot of money these days but I'm only 25 and to me it is. What would you do with it? I plan on investing it to turn it into millions someday but I bet that won't be too easy. I'm very frugal and cautious with money and won't spend it on anything I don't need. I'm not trying to flash it it anyone's face either I just wanted to see what other people think.

Thank you!
Investing Deals
Advice to a High School Student that just got drafted into MLB
Added on : Saturday June 07th 2014 09:00:15 AM
g: 0 Posted By: superdrew
Views: 60 Replies: 1 A family member just got drafted into Major League Baseball straight out of high school. He received a signing bonus of around a half a mil, plus 4 years of college paid for at any time, and gets a small stipend for living expenses and a paid apartment.

What steps would you take to immediately reduce the amount of taxes you would pay?

Other than stay away from H&B, don't get a girl pregnant, where a condom, and keep living frugally,
what advice would you give someone coming straight out of high school into the big leagues?

Hopefully this can become a resource to anyone in the same situation (18 year old kids getting huge inheritances, winning the lotto, etc).
529 - weighing state plan choice versus in state deduction
Added on : Wednesday June 04th 2014 11:00:09 AM
g: 0 Posted By: digduggler
Views: 128 Replies: 2 Forgive me if this has been covered, I don't seem to be able to find it. I'm still getting up to speed. I see that you can open a 529 plan outside of the state of residence and use it for whatever college is attended. I also see that all of these funds are not created equal (in particular Utah is often recommended and there isthis2013 Morningstar analysis).

This might be obvious, but I'm wondering if anyone has done an analysis or whether or not staying in state (I am in Alabama which has a 'bronze' Morningstar rated plan) which allows for a tax deductiblecontribution offers the greater savings in the long run vs investing in a fund with a lower ER/fees in a different state. It seems staying in state offers better savings as long as you contribute an appreciable amount. This will be for my < 1 year old, and I plan on cashing out one or more whole life policies my dad took out of me (see here) when I was a kid to jump start it with 14k (the current max gift amount as I see) this year and potentially 13k as well next year (I have two different policies I can cash out at separate times valued at about ~15 cash value each, not taking in tax implications). I've already gotten a healthy amount of term of my self and my wife (1 million of me, 500k on her), so it should be safe to cash these out. After the initial seeding I will contribute as much as I can after maxing out both my and my wife's ROTHs as well as my 401k contribution (no match, so currently weighted such that I"m putting aside 15% a year into retirement combined between ROTH and 401k. Once my wife goes back to work that will increase significantly). Any feedback appreciated.
Question Deals
g: 1 Posted By: roger2724
Views: 326 Replies: 24 Newly constructed condos/townhouses in my state are required to have a certain percentage of "affordable housing". The only requirement for this particular property was that you need to make under $49,000 to be eligible and be able to get a mortgage. They run a lottery for these properties as there is huge demand, and I just so happened to win. I am 27, went to college and have a reasonably good job making $45,000 a year, which I expect to increase a bit.

Since I won, I ambeing given the opportunity to purchase a nice 1bedroom condo for $90,000 which is a great deal as other units (which are also 1 bedroomsbut a little biggerand have a balcony)in the same complex are selling for 3x that number. So obviously I willbuy it. There are no restrictions once Ibuy the condo other then that it must be my residence. If I meet a girl she can move in, no impact as my income increases, etc. My monthly payment is going tobe around $850 including taxes and HOA.

The only "catch" is that it will alwaysbe "moderate income housing", so there will notbe much appreciation in the value of the home. It was originallybuilt in the mid 90s and has been sold twice since then. It seems to appreciateabout $1500 in value per year, on average. I do want to get married, have some kids andbuy a regular 3 or 4bedroom house once that happens at some point down the line.

How should I handle this as far as a down payment, paying extra on the mortgage, etc? What do you think the optimal play is here?
Personal Finance Deals
Easy scholarships
Added on : Friday May 30th 2014 08:00:11 AM
g: 0 Posted By: LIVINGLIFESB
Views: 113 Replies: 3 Hey does anyone know any easy college scholarships I can apply for. My writing is not the best, but Im willing to try anything
Question Deals
g: 1 Posted By: Ayla
Views: 157 Replies: 1 The Following: The Complete First Season [7 Discs] [Blu-ray/DVD] - $22.99 FREE Pick up, or add $2.99 Shipping at Best Buy



http://www.bestbuy.com/site/following-the-complete-first-season-...


Sale Price: $22.99

Regular Price: $39.99


Free In-Store Pick-Up

Est Shipping - $2.99
Free Shippingon orders $35 and up


Special Features:
~~~~~~~~~~~~~~~~~
From a Dark Place: Maximum Episode Mode: Executive Produer's Audio Commentary on the Pilot with focus points
The Thrill of Horror: The Creator behind The Following: An in-depth look at creator Kevin Williamson's journey to bring The Following to television
The Cult of Joe Carroll: Inside The Followers: Cast and Producers examine the psychological underpinning of the Followers
The Following Production Chronicles
The Followers Den


Synopsis:
~~~~~~~~~
Kevin Bacon and UK's James Purefoy (Rome) star in this terrifying new thriller from Kevin Williamson (The Vampire Diaries, Scream). When notorious serial killer Joe Carroll (Purefoy) escapes from death row and embarks on a new killing spree, the FBI calls former agent Ryan Hardy (Bacon), a psychologically scarred veteran who captured Carroll nine years earlier, after Carroll murdered 14 female students on a college campus where he taught literature. Knowing Carroll better than anyone and close with Carroll's ex-wife, Claire, Hardy works closely with an FBI team, which includes no-nonsense agent Jennifer Mason and sharp upstart Mike Weston, and soon discovers that Carroll was not only communicating with a network of killers in the outside world, but has much more planned than just a prison escape-and there's no telling how many additional killers are out there.


Feature running time: 654 minutes


Compare:
~~~~~~~~
Amazon - $36.45 & $36.81
F. Y. E. - $31.99 - But if you join - $28.79
WBShop - $40.29 & $49.99
WalMart - Out of stock on line - I called my store, and they don't have it there either


Blu Ray Deals

Best Buy Coupons
g: 2 Posted By: Ayla
Views: 151 Replies: 0 The Following: The Complete First Season [4 discs] (DVD) From $9.50 F/S to $19.75 on eBay, and $19.99 at Best Buy





I AM LISTING ALL I FOUND ON eBay THAT ARE CHEAPER THAN THE ONES AT BEST BUY:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~



From lowest price to highest:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


http://www.ebay.com/itm/The-Following-The-Complete-First-Season-...

Price: $9.50 - only 2
FREE Shipping

~~~~~~

http://www.ebay.com/itm/like/191193408705?lpid=82

Price: $9.55
FREE Shipping - only 6 at this price it says

~~~~~~

http://www.ebay.com/itm/The-Following-The-Complete-First-Season-...

Price: $9.55
FREE Shipping - 6 available

~~~~~~

http://www.ebay.com/itm/The-Following-The-Complete-First-Season-...

Price: $9.75
FREE Shipping

~~~~~~

http://www.ebay.com/itm/The-Following-The-Complete-First-Season-...

Price: $10.50 - no mention how many
FREE Shipping

~~~~~~

http://www.ebay.com/itm/The-Following-The-Complete-First-Season-...

Price: $11.25 - 2 available
FREE Shipping

~~~~~~

http://www.ebay.com/itm/The-Following-The-Complete-First-Season-...

Price: $12.95 - no mention how many
FREE Shipping

~~~~~~

http://www.ebay.com/itm/The-Following-The-Complete-First-Season-...

Price: $16.75
Shipping: $3.00

~~~~~~

http://www.ebay.com/itm/THE-FOLLOWING-The-Complete-First-Season-...

Price: $17.89 - no mention how many
FREE Shipping

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


http://www.bestbuy.com/site/following-the-complete-first-season-...



Sale Price: $19.99

Regular Price: $34.99


FREE In-Store Pick-Up

Est. Shipping: $2.99
Free Shipping on orders $35 and up


Special Features:
~~~~~~~~~~~~~~~~~
An in-depth look at creator Kevin Williamson's journey to bring The Following to television
Deleted Scenes
From a Dark Place: Maximum Episode Mode: Exective Producers' Audio Commentary on the Pilot with focus points
Season finale Commentary
The Cult of Joe Carroll: Inside The Followers: Cast and Producers examine the psychological underpinnings of the Followers
The Followers Den
The Following Production Chronicles
The Following: Free Megan
The Poe Mask
The Thrill of Horror: The Creator Behind the following:


Synopsis:
~~~~~~~~~
Kevin Bacon and UK's James Purefoy (Rome) star in this terrifying new thriller from Kevin Williamson (The Vampire Diaries, Scream). When notorious serial killer Joe Carroll (Purefoy) escapes from death row and embarks on a new killing spree, the FBI calls former agent Ryan Hardy (Bacon), a psychologically scarred veteran who captured Carroll nine years earlier, after Carroll murdered 14 female students on a college campus where he taught literature. Knowing Carroll better than anyone and close with Carroll's ex-wife, Claire, Hardy works closely with an FBI team, which includes no-nonsense agent Jennifer Mason and sharp upstart Mike Weston, and soon discovers that Carroll was not only communicating with a network of killers in the outside world, but has much more planned than just a prison escape-and there's no telling how many additional killers are out there.


Feature running time: 654 minutes


Compare:
~~~~~~~~
Amazon - $22.98+ Shipping or FREE with Prime


DVD Deals

eBay Coupons
Need help consolidating non private student loans
Added on : Thursday May 29th 2014 06:00:10 AM
g: 0 Posted By: gaf2255
Views: 82 Replies: 0 I'm looking to consolidate several federal subsidized student loans, however most banks I have found will only consolidate private student loans. I started out the year with about 43k in student loan debt and paid off 13k so far this year just to bring it down. I used my BB account to pay the 13k so I accumulated CC points as well. I intend to pay off the remaining balance in 4 years. The loans range from 6-6.8%. I have applied with SOFI as they refinance student loan debt with rates as low as 3.625%, but they only do so with certain colleges so I wasn't eligible. What I was thinking I could do was to calculate what I would pay in total for the next year, fund my BB account, and pay that amount off. Therefore I would essentially be paying zero percent on lets say 8k, and then pay off that amount over the year. I would still however be paying interest on the remaining balance. I could also pay off the full balance via BB, pay no interest at all for the first year, and then transfer the balance in a year when my zero percent cards expire. Any thoughts, or suggestions would be appreciated.
Personal Finance Deals
Financial planners to help with college aid, etc.?
Added on : Thursday May 29th 2014 05:00:14 AM
g: 0 Posted By: Dougmeister
Views: 124 Replies: 3 We have a financial planner (Edward Jones) and we're satisfied, but he doesn't know all the "ins" and "outs" of applying for aid, scholarships, grants, loans, etc.

This is our first time around with college (our oldest is finishing his junior year in high school).

We heard about one of these companies that supposedly "specializes" in this type of thing. The particular company is called "Ivy League Wealth Strategies", and even the name *screams* "run away" to me.

Website

They want to charge hundreds and hundreds of dollars for their services. I can't find any reviews on this company (yet) by Googling. Might call the BBB.

Anyone have informed opinions on whether or not these companies are worth it or not?
General Economics Deals
g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.amazon.com/Our-Worlds-Story-Eric-Burnett-ebook/dp/B00...

Do you know how we got to here?

Well, if you're like 97.4% of the people walking the planet, you haven't got a clue. Sure, you might know a bit about a couple rivers in Mesopotamia, how Socrates wandered around Athens asking questions or how Martin Luther got ticked off one day and nailed a really long essay to the door of a church. But to be honest (and don't be embarrassed), you've got some gaps.

Be dense no more. In "Our World's Story," Eric Burnett takes you through all the major tales, traditions and turning points of world history - not just European history, but WORLD history. You'll figure out real quick that the West might have had some crowning moments, but for the whole of human history, it's been the Persians, the Indians, the Chinese, the Muslims or some horse peoples from the steppe that have truly turned us into the clever little creatures we are today.

And when most world history books fade off once the Cold War comes to a close, this sometimes cheekily-written tome just gets going. It finishes with a distinctively comprehensive look at the 21st century challenges facing the nine major regions of today's world - Africa, Latin America, Japan, China, the Middle East, India, Russia, Europe and the United States.

"Eric Burnett expertly understands exactly what his audience wants to know, what they need to know. A page-turning account of our proudest achievements and our most colossal bumblings. It's world history for the rest of us." - Ibn Battuta



An Introduction to World Religions
http://www.amazon.com/gp/product/B00CSC1XD6

A companion to a Sophomore level introductory course in World Religions. Developed initially to accompany a course (REL.2300) offered at Eastern Florida State College.
This text is designed to serve as either a Companion Text (to be used along with a typical commercial text) or as a stand-alone text for an introduction to the field of World Religions.
Totally Free Deals
Apple MacBook Pro Sale @ Best Buy minus $150 Student Coupon
Added on : Friday May 23rd 2014 09:00:04 AM
g: 2 Posted By: aaron2yang
Views: 166 Replies: 1 Link

**Don't forget FatWallet Cash Back!**
**Free shipping or store pickup**

Few Examples:

MacBook Pro i5, 13.3" 4GB Memory, 500GB Hard Drive: $1139.99 - $150 (Student Coupon) + Tax

MacBook Pro i5 13.3" with Retina 4GB Memory, 128GB Flash Storage: $1234.99 - $150 (Student Coupon) + Tax

MacBook Pro i5 15.4" with Retina 8GB Memory, 256GB Flash Storage: $1899.99 - $150 (Student Coupon) + Tax

There are two ways to get Student coupons: #1. Sign up at Best Buy if you have an edu email accountLink.#2 If you don't have an edu email account, just buy it on eBay.


Macbooks Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 87 Replies: 0 http://www.amazon.com/gp/product/B00JBNWRKI

Looking to save money on college?

In this book, R.P. Glenn shows you how to earn a bachelors degree for $10K (or less!). Professor Glenn offers 97 powerful strategies to help you save A LOT of money on your college tuition without scholarships, a Pell grant or financial aid. With all of the proven techniques in this book, you will be able to drastically reduce your student loans.

You will learn:

Which types of college credits are the least expensive
Which credits you should take early in your college career
Which credits you should earn through classes
Which credits you should earn through other means
Which programs can save you thousands of dollars
How to save thousands of dollars no matter which school you attend



also free

50 Questions Every Graduate Must Answer
http://www.amazon.com/gp/product/B00KBBXIDO

An awesome graduation gift for any recent grad out therea refreshingly honest, hilarious and heartfelt guidebook for anyone in that confusing, awkward post-grad stage of life. The book is a perfect blend of wit and wisdom. I loved Burnetts humorous advice on dating and marriage and found myself taking mental-notes on subjects like career risk-taking and personal finance.
Priscilla Chan - Class of 2013 - Stanford University

You might have thought you left behind the world of high anxiety testing the moment you donned your commencement robe and cap, and accepted your diploma on a stage far, far away. Ahhhthe naivet of youth. But as you will walk deeper into the adult world, you will realize that it will be lifes questions that will truly kick you in the arse (and lifes retake policy wont be nearly as generous as your teachers once was). Using stories from history, psychology, economics, literature, and a lifetime of answering incorrectly, Eric Burnett throws out the key questions all graduates must face, while giving them the ammunition theyll need to choose wisely. Along the way, he might leave you second-guessing a few of the choices youve already made, while spurring you to ponder what questions didnt make the cut.
Totally Free Deals
g: 0 Posted By: remick
Views: 218 Replies: 0 http://www.amazon.com/gp/product/B00ELOT4IK

THIS ILLUSTRATED BOOK WITH BASIC K-7 TO K-8 COGNITIVE ENGLISH PRODIGY SPELLING EXERCISES IS FOR THE STUDENT, PARENT, TEACHER OR TUTOR. THE COGNITIVE EXERCISES REVOLVE AROUND FINDING THE MISSING LETTERS IN WORDS & BUILDING WORDS FROM FIRST & LAST LETTERS OF OTHER WORDS OR A LIST OF LETTERS. COGNITIVE PATTERN RECOGNITION FORMS THE VERY BASIS OF OUR THINKING AND HUMAN INTELLIGENCE. SOLUTIONS PROVIDE ONE OR MORE WORDS MATCHING THE MISSING LETTERS PATTERN. THE COGNITIVE ENGLISH SPELLING EXERCISES ARE AT FOUR DIFFERENT LEVELS ALLOWING CUSTOMIZATION FOR EACH STUDENT.


Also Free

Secret Tactics to Dominate English 101: Learn the Techniques That Effective Students Use to Breeze Through College (The College Savings Series)
http://www.amazon.com/gp/product/B00JBNWY0G/
Books Deals

Amazon Coupons
Fidelity Account Frozen / Restricted
Added on : Saturday May 17th 2014 06:00:05 PM
g: 0 Posted By: Keysersoze617
Views: 143 Replies: 6 I've had a brokerage account with Fidelity for 8 years under a corporation that I own and just recently (within the last 2 weeks) opened up a personal account and transferred all the equities and cash to that account. Today I tried to activate my debit card tied to my Fidelity brokerage / cash account and the operator stated that Fidelity canceled the card. I thought that was strange so I contacted Fidelity to investigate the matter. After speaking with a customer rep, she informed me that Fidelity did indeed cancel the debit card, and not only that, basically froze my account. As of now, I am unable to buy or sell stocks / securities or write checks from the account. She did say that Fidelity will liquidate my securities, my kid's 529 College Plan and cut me a cashiers check and send me on my way.

She also informed me that a letter was sent out Friday notifying me that they are discontinuing service to my account. The letter states that they were recently notified by a industry reporting service of a public record involving me and my activities, and in light of this report they find it necessary to discontinue service to my account.

I have no idea what this could possibly be. The only thing that I can think of was that I recently sold a business and with those funds paid off 2 mortgages, some of which I wired out of my fidelity account. I also bought some precious metals and withdrew some cash ( under 10k) for a vacation i'm going on. I have moved a decent amount of cash around in the last 2 weeks. Would that set off some type of red flag?

​ I went and downloaded my credit report to see if something was on there and found a 10k tax lien, so I'm not sure if that set something off. Regardless of that I have a 800 credit score.

Has anyone experienced this with Fidelity or any other brokerage firm?
Investing Deals
UCLA vs USC Decision
Added on : Thursday May 15th 2014 04:00:06 PM
g: 1 Posted By: mateoeyoo
Views: 102 Replies: 2 Hi everyone, I'm a 2nd year community college student and I'm transferring after this Spring semester. I'm interested in Business (accounting and finance), and I have been admitted to UCLA and USC. Hopefully some of you can give me some insight on which decision would be the better choice for me.

At UCLA, my major would be Business Economics (or Economics if I don't fulfill the GPA requirement). My net costs would be $13k a year, after financial aid. What appeals to me at UCLA are their attractions outside of campus (Westwood, Beverly Hills, Malibu), their worldwide name recognition, their esteemed dining food, and their generous financial aid. Nonetheless, not studying business takes me aback. The Business Economics major itself is not a conventional business major, it is majorily econ focused. Is it accurate to say that an accounting undergraduate is qualified for all the occupations an economics undergraduate is qualified for? Or, can I expect to have the same jobs?

At USC, my major would be Business Administration (Marshall School of Business). My net costs would be $26k a year, after financial aid. The prestige of USC's business program is always connected to their admirable networking opportunities, like the probable chance of sitting next to the son of a CEO of a fortune 500 company in class. Is this alone worth $26k a year--taking out student loans? Everyone advises that I go to USC because I'm a business major and the connections there are illustrious. However, there are some cons that alarm me. I'm uneasy knowing that safety is questionable outside the campus, there is a lack of reputation for a USC degree outside of California, and the overall cost to attend is twice as much as UCLA's. Does having a business administration degree from Marshall give me a significant advantage looking for jobs in California?

I know this choice should be made on what I want to do as a career, but I am unsure on what I want to do after my undergraduate studies. I know I want to start working after but doing what beats me. I like accounting because it allows me to dissect business decisions and advise. I like finance because I'm infatuated with numbers and investing. Moreover, I love interacting with people, but I am oblivious to the possible jobs that fit my nature. I have researched possible job opportunities with a degree in Business Administration and Economics, but because of my ignorance in their job responsibilities and their quality of employment, I just figured I would enjoy a consulting or advisory position compared to an analytical position that works in a cubical. What kind of occupations can I pursue with an economics or business degree that will match my personality and have reasonable pay and working hours?

Thank you in advance.

Edit: Is the networking at USC priceless?
I don't know how to feel about pursuing an MBA. What should I consider in my decision to go to graduate school?

Edit 2: I don't plan to stay at either university for more than two years.
New User Question Deals
g: 0 Posted By: remick
Views: 202 Replies: 0 http://blog.coinbase.com/post/85758038492/10-of-free-bitcoin-for...
Toys, Games,& Collectibles Deals
g: 0 Posted By: remick
Views: 28 Replies: 0 http://www.amazon.com/dp/B00BVPDL2W/

4.6 out of 5 stars (126 customer reviews)

Guilt Free Summer Homeschooling!
This Summer Do Your Learning Just for the FUN of it!
Summer is the best Season ever! It's the time that priorities turn to camping, vacation, snuggling young children, relaxing in a hammock, and reading great books.

>>> But what does homeschooling look like in the summer?
Should you take a break from academics?
How about summer school options?
Surely your teens should be reading good books during the summer, right?!

In "Getting the Most Out of Your Homeschool This Summer: Learning Just for the Fun of it!" homeschool author and speaker Lee Binz shares valuable secrets to homeschooling during the summer, without making you feel guilty or stressed!
˃˃˃ What are "Coffee Break Books"?
"Getting the Most Out of Your Homeschool This Summer" is the seventh book in The HomeScholar's series, Coffee Break Books. Designed especially for parents who dont want to spend hours and hours reading a 400-page book on homeschooling high school, each book combines Lee's practical and friendly approach with detailed, but easy-to-digest information, perfect to read over a cup of coffee at your favorite coffee shop!

Never overwhelming, always accessible and manageable, each book in the series will give parents the tools they need to tackle the tasks of homeschooling high school, one warm sip at a time.

˃˃˃ Who is Lee Binz and Why Should You Listen to her?
Lee Binz, The HomeScholar, understands what it takes to graduate homeschool students who are fully prepared for college and for life. Lee's practical advice and organized presentations have helped thousands of homeschool parents muster the courage to complete their homeschooling journey. She is both reassuring and empowering, and will give you the knowledge you need to successfully graduate your high school student, and have confidence that they are ready to take on the world.

A firm believer that homeschooling provides the best possible learning environment, and that parents are capable of providing a superior education for their children, Lee's mission is to encourage and equip parents to homeschool through high school.


also:

Getting Started with Homeschooling: Your First Steps
http://www.amazon.com/Getting-Started-Homeschooling-First-Steps-...

Totally Free Deals
Free Kindle Book - Comedy Driven Leadership
Added on : Sunday May 11th 2014 04:00:16 AM
g: 1 Posted By: msweigart
Views: 163 Replies: 0 Link. -Free for Mother's Day (ends Monday night)

Combining wild-but-true stories of rubbing shoulders with comedians ranging from the late Chris Farley to Tina Fey with practical how-to principles for amplifying one's influence, author Jonathan Herron's fresh new voice in Comedy-Driven Leadership will help anyone to think like a comedian and move forward like a leader.

Whether you're an entrepreneur, church leader, business owner, blogger, recording artist, sales person, volunteer, student, or brand manager, Comedy-Driven Leadership promises to share time-honored principles from the world of comedy that will amplify and enhance your organization.

Jonathan Herron studied comedy under Tina Fey (SNL, 30 Rock) before entering full-time ministry. A graduate of Columbia College and Ashland Theological Seminary, Jonathan is an experienced church start-up strategist and gifted communicator who serves as the founding pastor of Life Church Michigan. He blogs at JonathanHerron.com and writes on twitter @FollowJon.


Totally Free Deals
Daughter graduated, now how can I help her long term?
Added on : Monday May 05th 2014 05:00:13 AM
g: 1 Posted By: jesrf
Views: 204 Replies: 9 On Saturday my daughter graduated from college. For the last ten years I have been saving $125 a month to help pay her way. I ended up paying for half, she took loans for the other half. She has about $30k in debt. I wanted her to have some "skin in the game" so she valued it more, & I believe she has.

I still want to help her, my question is how is the best way? I could help with her loans, but I think that's dumb. I considered investing a portion of the $125 in an ira or Roth (maybe 50-75 a month) and putting the rest in a joint account. Just till she's established and making her own way comfortably.

Im really at a loss how best to help her long term, I know some will say I should just keep the money, get a new crown Vic, spend it on H & B, but, I think I want to give her the help I never had. Any suggestions greatly appreciated....

Personal Finance Deals
g: 0 Posted By: DaysFan
Views: 141 Replies: 0 TAKE AN ADDITIONAL 50% OFF AEO, aerie or AEO Factory Store CLEARANCE MERCHANDISEBeginning May 2, 2014 at 6:00am EDT through May 6, 2014 at 3:00am PDT get an additional 50% off clearance merchandise, online only when you purchase an AEO, aerie or AEO Factory Store Clearance item. Not valid on aerie clearance undies. The 50% discount is automatically applied once an AEO, aerie or AEO Factory Store clearance item is added to the ae.com, aerie.com or aeofactorystore.com shopping bag. This 50% off offer can be combined with other discount offers. Discount applies to merchandise costs only, not tax and shipping & handling costs. This discount is not redeemable for cash, nor applicable toward previously purchased merchandise. Not valid in AEO stores, aerie stores and AEO Factory Stores or online on merchandise from these brands: Bass, BC, Bed Stu, Birkenstock, Clarks, Creative Rec, Coconuts, DV by Dolce Vita, Eastland, Glory, GOLA, Havaianas, Keds
, Matisse, Minnetonka, Mowgli Surf, New Balance, New Balance/PF Flyers, Palladium, Pro Keds
, Pura Vida, Reebok, Rumba, Seychelles, Thorogood, Tretorn, Tailgate, Timberland, Volley, College & Pro, and Gift Cards.


http://www.ae.com/
Clothing Deals
Get an ADDITIONAL 50% off clearance @ American Eagle
Added on : Friday May 02nd 2014 09:00:05 AM
g: 0 Posted By: ctgolfer
Views: 253 Replies: 0 TAKE AN ADDITIONAL 50% OFF AEO, aerie OR AEO FACTORY STORE CLEARANCE MERCHANDISE
Beginning May 2, 2014 at 6:00am EDT through May 6, 2014 at 3:00am PDT get an additional 50% off clearance merchandise, online only when you purchase an AEO, aerie or AEO Factory Store Clearance item. Not valid on aerie clearance undies. The 50% discount is automatically applied once an AEO, aerie or AEO Factory Store clearance item is added to the ae.com, aerie.com or aeofactorystore.com shopping bag. This 50% off offer can be combined with other discount offers. Discount applies to merchandise costs only, not tax and shipping & handling costs. This discount is not redeemable for cash, nor applicable toward previously purchased merchandise. Not valid in AEO stores, aerie stores and AEO Factory Stores or online on merchandise from these brands: Bass, BC, Bed Stu, Birkenstock, Clarks, Creative Rec, Coconuts, DV by Dolce Vita, Eastland, Glory, GOLA, Havaianas, Keds
, Matisse, Minnetonka, Mowgli Surf, New Balance, New Balance/PF Flyers, Palladium, Pro Keds
, Pura Vida, Reebok, Rumba, Seychelles, Thorogood, Tretorn, Tailgate, Timberland, Volley, College & Pro, and Gift Cards.

www.ae.com/web/browse/hp_clearance.jsp?catId=clearance&navAction...
Clothing Deals
g: 4 Posted By: MISTERCHEAP
Views: 607 Replies: 1 https://secure.californiacolleges.edu/Home/Create_an_Account/Create_an_Account.aspx


EMAIL LOG IN HERE after account set up

https://secure.californiacolleges.edu/Your_Portfolio/Messages/Messages.aspx?action=list_received


Services Deals
Family financial planning? Wills? Trusts?
Added on : Tuesday April 29th 2014 04:00:04 AM
g: 0 Posted By: letsspendlotsofmoney
Views: 60 Replies: 1 Not sure where to start but here are a few basics:

46 years old
Widowed father of four children ages 12, 20, 21 and 24

Assets:
401k worth about $400k
$100k equity in home I owe about $56k with 28 years remaining and paying and additional $350 each month towards principal
$80k salary
$75k whole life policy from 20 years ago
$500k life insurance through work (thinking I need my own term 15-20years)

What type of estate planning should I do? I don't currently have a will.
Should I create a trust to care for my youngest daughter?
Who should be the beneficiaries of my insurance and 401k if something should happen? children directly? Trust?
How many years of term life should I be thinking? 15 should get my youngest through college
What amounts of insurance? 5-1 X salary? more or less?
If for some reason I were to remarry in the future, how would I protect my children financially? just in case she's a gold digger, and I don't have a lot of gold... Would a trust for the children be the best place? Prenup?

Whay type of lawyer should I use?
Approximate cost to set these types of thing up?

After my wife passed 10 year ago I knew I should have thought about this type of stuff...

I am open to suggestions and no current woman to give you photos of... I don't own a crown vic, M////,
Personal Finance Deals
Navy federal home equity loan
Added on : Friday April 25th 2014 03:00:07 PM
g: 0 Posted By: nhan1195
Views: 117 Replies: 1 Hi all,

I am doing a home equity loan with Navy federal and I have a few questions I need your help with.

Quick background: bought the house 14 months ago as REO, now appraised at 74% LTV. I have about $25k credit card debts that I want to consolidate with this loan. The APR on those cards range from 7.9% to 19.99%. The equity loan rate is 6.84% for 15 years. I know you can do a bit better some where else but this one we were ok with as they allow us to borrow up to 90% LTV. Received the HUD today, appointment to sign on Monday. Only issue I see is that they want to pay off the credit cards for me, which is fine but the form request to close all the accounts as well. I know what they try to do is to close them down so I don't run them up again, but considering I've been OK handling my money (the money was mainly expenses during college for my and my wife, not the crazy spending ones). My plan is to pay double the $225 monthly that they say until it's done so it will be done in couple years and looks to be better than my regular routine of paying credit card company.

So, I don't think the bank has the authority/right to tell you to close all your accounts, do they(as a condition to offer the loan)? These credit cards, most of them I had for about 10 years with no late payment. Having to close them down doesn't prevent me from opening new ones, but would that negatively affects my credit history? I plan to call them early on Monday to discuss about this.

Looking forwards to what your thoughts are on this case on what I should tell them. Thank you in advance for your inputs.


Question Deals
g: 14 Posted By: remick
Views: 1688 Replies: 1 http://www.amazon.com/dp/B00J08H0OW

4.8 out of 5 stars (22 customer reviews)

This is the guide to living life on your terms. Its tough landing that first job out of school and starting your climb up the professional ladder in such an uncertain world. In Knock 'em Dead Secrets & Strategies for First-Time Job Seekers, you will learn how to climb the ladder of success and get what you want out of life. You'll learn how to: -Develop social networks that deliver results for the new professional you -Build a resume that gets you interviews -Complete your job search in record time with a killer plan of attack -Turn job interviews into job offers and paychecks -Build a professional brand that delivers credibility -Bring your entrepreneurial dreams to life. Working your way through the proven job search and interview strategies from the inimitable Martin Yate, you'll gradually discover a blueprint for professional success. You'll immediately begin to make sense of the world of work, start your career on the right foot, and gain access to the corporate inner circle and win promotions way ahead of your college peers. You can get what you want out of life, and live a meaningful life on your terms you just have to learn how to do it. In Secrets & Strategies for First-Time Job Seekers, you'll develop a practical career plan that puts you in control, with commonsense strategies that really can bring your dreams to life. You need never be unemployed, never be without income streams. In short, you can score the job you want and learn to survive and prosper over the long haul with a brand new approach to professional success that always put you first. How will you guide your professional destiny?



also free at the time of posting

Job Seekers' Attitude Adjustment Guide
http://www.amazon.com/Job-Seekers-Attitude-Adjustment-Guide-eboo...



new on 4/23


Private Notes of a Headhunter: Proven Job Search and Interviewing Techniques for College Students and Recent Grads
http://www.amazon.com/dp/B00BJRVE9E





Books Deals

Amazon Coupons
Free Kindle Book- Basic Physics: a comprehensive survey
Added on : Wednesday April 23rd 2014 01:01:56 AM
g: 0 Posted By: remick
Views: 23 Replies: 0 http://www.amazon.com/gp/product/B0063E7ZVY

This book gives the reader a lucid and readable account of the basic concepts of physics covering a broad range, where all the concepts are built up from an elementary level and are followed up to a considerable extent, stressing on their internal logic. It is self-contained and comprehensive, based on high school mathematics, including elementary calculus. A few mathematical tools at a more advanced level like surface integrals of vector fields have been explained clearly before these have been made use of.

It will be useful study material for the student of physics starting from the advanced school level right up to the college level and even to the level of graduate studies since it does not stop half way while developing a topic, being tied to this or that particular physics syllabus. Instead, it aims at presenting the entire network made up of basic concepts of physics and giving the reader a view of its beautiful, unitary structure.

This makes the volume a unique source-book of basic physics, of exceptional value not only to the student of physics but to students of other disciplines such as chemistry, engineering, geology and even the biological sciences. It is also quite likely to be of value to physics teachers and to persons with a general interest in physics. It makes for delightful reading, though at a serious level.

How does the tension vary with the angle of winding for a string under friction? How does the Doppler formula look when the source or the observer possesses an acceleration? What is the principle of a three phase power supply? How does a synchronous motor differ from an asynchronous one? Whys is it possible to work out the black body spectrum by referring to an assembly of oscillators? How does ray optics relate to wave optics? What is the Higgs boson?..... For these and many other questions, the reader can turn to the pages of this book, where everything is built up from first principles.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 37 Replies: 0 http://www.amazon.com/gp/product/B009TE79XO

4.7 out of 5 stars (29 customer reviews)

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

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

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

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

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

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

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

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

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

YES, Kick Ass in College is laugh-out-loud funny. But author Gunnar Fox is out for more than his readers' laughter: he wants their full attention and commitment to his study techniques and life strategies. In addition to providing a blueprint for classroom success and preparing students for the highly competitive job market that awaits them, this instant college classic tackles relationships, substance abuse and many other real-world issues.
Totally Free Deals
The Economics and Psychology of Unlimited Overtime
Added on : Tuesday April 22nd 2014 02:00:07 PM
g: 3 Posted By: Horseymen
Views: 175 Replies: 6 I'm aware there will be multiple answers/perspectives in this - but I'm hoping some people will share their personal stories and perhaps give some insight into this. Ultimately, this comes back to how you value your time.

I am a full time college professor, but I've been selected, when I'm not working, to work on a book publisher project as much as I want - billing $40 an hour - in effect doing editing. It's pretty boring and monotonous but easy the few times I've tried it.

Just doing some simple calculations, just on the current projects, there appears to be over 5,000 hours available of work, and with book revisions every couple of years, and given that there are about 20 books in this series, it almost comes across, as long as I stay in their good graces, that I can do unlimited work.

So my question for the masses - and where I hope people will share stories - how have you managed situations where effectively you can work as much as you want, whenever you want, as long as you want? I'm worried about perhaps getting addicted to it, not setting adequate boundaries, working too much, etc. I know people will answer "It really depends on individual situations/family requirements, etc.." - which is why I am hoping people have stories to share about how they've managed similar projects in the past - perhaps a small business where you could work as much as you want, and you were always guaranteed X return for the time you put into it. Even people who do manufactured spending theoretically can do as much as they want with money orders. Ultimately, I've never really been able to put a specific number to how much I value my time - I've never really considered it - and I don't want to ruin vacations by thinking to myself "Man, if I would have spent this 80 hours working instead of at Disney, I would have made $3200 instead of spending $3200" - so I almost view it as a blessing-curse - so before I got too immersed, FWF is pretty good at offering financial philosophical perspective. I know that if this paid $3 an hour, I sure as hell wouldn't do it - but I'm not sure where a good line is or how to go about setting a line.

Anytime these value of time threads come up - someone shares an anecdote of their brother who valued his time at $100 dollars an hour, so anytime a chance would come up to go to a movie, he would say "$250 dollar movie? No thank you." Realistically though, if I chose to spend a Friday night at home instead of going to a movie, I could trade that 2 hours in for $80 worth of editing. I think learning from other people and their experiences would be helpful. I don't want this to turn into a buffet where I gorge and can't enjoy it - but it is tempting. The cool thing though is it's pretty mindless, and it's at home, so if I need to put it down for a few minutes to do whatever, it's flexible to that end.
Discussion Deals
g: 2 Posted By: remick
Views: 269 Replies: 1 http://www.amazon.com/dp/B00J08H0OW

4.8 out of 5 stars (22 customer reviews)

This is the guide to living life on your terms. Its tough landing that first job out of school and starting your climb up the professional ladder in such an uncertain world. In Knock 'em Dead Secrets & Strategies for First-Time Job Seekers, you will learn how to climb the ladder of success and get what you want out of life. You'll learn how to: -Develop social networks that deliver results for the new professional you -Build a resume that gets you interviews -Complete your job search in record time with a killer plan of attack -Turn job interviews into job offers and paychecks -Build a professional brand that delivers credibility -Bring your entrepreneurial dreams to life. Working your way through the proven job search and interview strategies from the inimitable Martin Yate, you'll gradually discover a blueprint for professional success. You'll immediately begin to make sense of the world of work, start your career on the right foot, and gain access to the corporate inner circle and win promotions way ahead of your college peers. You can get what you want out of life, and live a meaningful life on your terms you just have to learn how to do it. In Secrets & Strategies for First-Time Job Seekers, you'll develop a practical career plan that puts you in control, with commonsense strategies that really can bring your dreams to life. You need never be unemployed, never be without income streams. In short, you can score the job you want and learn to survive and prosper over the long haul with a brand new approach to professional success that always put you first. How will you guide your professional destiny?



also free at the time of posting

Job Seekers' Attitude Adjustment Guide
http://www.amazon.com/Job-Seekers-Attitude-Adjustment-Guide-eboo...


Teen Success in Career & Life Skills
http://www.amazon.com/Teen-Success-Career-Life-Skills-ebook/dp/B...





Books Deals

Amazon Coupons
In my 20s, how diversified do you think I should be in my stocks?
Added on : Saturday April 19th 2014 06:00:05 PM
g: 0 Posted By: guy4167
Views: 0 Replies: 0 I have always been interested in the stock market and went to college for economics. I had a lot of student loan debt after graduation, which I have since paid off. I have gotten raises and a promotion since starting work and just recently started to have some true excess money to play around with. Since there's not a ton, I will just give you my entire stock history:

- Bought AMD at 5.41 (nov 2011), sold at $6.22 (feb 2012).
- Bought NVIDIA at $12 (Jan 2013), sold at $14.56 (Aug 2013) (dividend in the low 2%s)
- Bought DMND at $14.55 (Apr 2013), still hold it ($31.70)
- Bought CLI at $20.93 (Aug 2013) and $20.31 (Nov 2013). Currently at $20.28 (6% effective dividend).
- Bought CTL at $28.48 (Jan 2014), currently at $34.43 (7.5% effective dividend)
- Bought SODA at $50.52 (Dec 2013), $37.02 (Jan 2014), and $38.02 (April 2014). Currently at $39.99
- Bought VLY at $9.60 (Feb 2014), sold at $10.36 (Mar 2014)
- Bought WTW at $20.37 (Mar 2014), currently trading at $20.69 (3.6% dividend, currently suspended)
- Bought ADT at $29.21 (Mar 2014), currently trading at $30.22 (2.75% effective dividend)

Feel like I have done pretty well so far. Sodastream is the only loser out of the bunch, but I do think they have a good business and are ripe for a buy out.

Do you think I should try to diversify more? Its challenging to find stocks that are good values in today's market, but only being involved in 6 stocks is not ideal either. Obviously buying opportunities will eventually present themselves, but do you think I should make a conscious effort to diversify immediately?
g: 0 Posted By: remick
Views: 93 Replies: 0 http://www.amazon.com/Database-Driven-Website-using-MySql-ebook/...

Connecting a database to a webpage leads to interactive participation and not as static information being displayed. MySQL database can store records in tables which can be accessed (both updated and retrieved) through webpage forms.

This book will be useful for anyone who wants to understand how to connect a MySQL database to a web page. It is also intended for someone, who has ever wondered, How a webpage displays the result of a candidate given her unique_id as input? As in every remote school, colleges results are published on their respective notice boards, the same can be done in their website and viewed by all. Also one can prepare feedback forms that can be filled up online. Such data can be either used to update a table or make any query. The possibilities are many.
Books Deals

Amazon Coupons
Son starting college, want to get him a separate credit card.
Added on : Monday April 14th 2014 01:00:02 PM
g: 0 Posted By: sorgec
Views: 237 Replies: 16 Our son is starting college in the fall. When he started high school we told him that if he could earn a solid merit scholarship (lowering our costs substantially) we would kick back a portion of that scholarship into spending money. He did.

We have had him as an authorized user on our card for a couple of years, and he is quite trustworthy. However, he will have more expenses next year and we would like to a) keep those separate so we can track them easily and b) start building his credit.

I thought I might take out a new card in my name and add him as an authorized user, but then just have him use that card so all the expenses would be his. Am I missing something? Would this be a good way to handle college expenses?


Question Deals
Free Kindle - Traveling Softly and Quietly (14 April Only!)
Added on : Monday April 14th 2014 01:00:11 AM
g: 0 Posted By: everbexy98
Views: 79 Replies: 0 Traveling Softly and Quietly, by Nithin Coca

www.amazon.com/gp/product/B00JDHNH7O

First there is hope that travel will turn him into a better person. Then came loss the unexpected passing of his beloved grandma, just one month before departure, changing everything. Traveling around the world sounded like a fun way to grow, but now, for Nithin Coca, a young, idealistic, recent College graduate, it has turned into a whole lot more.

Nithin has staked his future on his grand voyage, one year through Europe, the Middle East and Asia. He believes traveling will help him overcome his naivete and shyness. Yet, he immediately struggles to fulfill his expectations, feeling lost among other travelers, including his high school travel mates. They are seeking very different notions of fun and growth. Nithin wonders if he truly is worthy of his grandma's praise, how highly she spoke of him, her eldest grandson, to her relatives right before she died.

To thrive, he must overcome his fears and trust himself. So he breaks away from his friends to travel more slowly and quietly, and takes on new challenges; volunteering, teaching, learning how to be where he is. In Southeast Asia, the last leg of his trip, Nithin realizes that traveling is not a checklist of adventures, nor a catalog of stories. Traveling is intensely personal, each experience is only yours. Traveling Slowly and Quietly is about that which we all want in our lives meaning through the tale of a young man seeking his purpose in life.



Books & Magazines Deals
g: 0 Posted By: guy4167
Views: 135 Replies: 4 If you were to buy it, how much would you put down? Thinking of blowing the whole load and taking a 15 year mortgage out for $70,000ish. My monthly payment would be around $1100, including mortgage, taxes and HOA.

A little background: college educated, in my 20s, making about $45,000 a year, own a car (outright, should be good for a few more years), and I expect my salary to grow significantly as my career progresses. No significant debts. The condo is allowed to be rented (I plan on holding and renting once I am done with it) and rent for the unit could support the whole $1100 mortgage payment at the present time.

Good idea? What should I be looking out for?
Question Deals
Should I care about TransUnion? Too few accounts?
Added on : Friday April 11th 2014 06:00:07 PM
g: 0 Posted By: doublePie
Views: 91 Replies: 0 Last year, my husband and I refinanced our home from a 30 fixed 6.25% FHA to 15 fixed 3.25% conventional. The monthly payment only increased about $50 and $23 of that is PMI will drop off in August (I've confirmed). At that time, both of us had a credit score with each of the big three within 20 points either way of 800.

A year later, my husband applied for a Sallie Mae Mastercard and the score they used to issue it was 732 from TransUnion.

Reasons:

Number of accounts with delinquency
Proportion of loan balances to loan amounts too high
Too few accounts currently paid as agreed
Proportion of balances to credit limits too high on revolving accts

Gross income was $71,000 last year, which has been steadily rising for the past 7 years. Net take home is $4050 (after 401K, health insurance, HSA, United Way).
The mortgage was $103,000 on a $123,000 property.
Card 1: CreditFirst (Firestone): We have it for the discounts and promotions. Paid off every month with the exception of one month in 2011 when we forgot about it and it went 30 days over. D'OH.
Card 2: Brand new Sallie Mae card with a $12,500 limit.
Card 3: Very vanilla VISA through our credit union. $13,500. Paid off every month, no exceptions. Averages about $1500/month. It is used for pretty much everything -- gas, groceries, cellphone bill, internet, home improvement stuff, restaurants. According to TransUnion, it had a high water mark of just over $7000 at one point in 2011, but even then I believe it was paid off the same month from savings.
New car loan of $16,300. The first payment is due at the end of this month. $4000 down payment. 2.6% for 60 months (2013 model didn't qualify for promotional rates)
Mortgage is $872 total with principle, escrow, and interest. If you haven't gathered from the fact that it's a $123K house... we have no HOA fees.

(EDIT: I should add that my own credit union VISA runs about $800 per month, just to give a fairer idea of the total household picture. That's the only thing i have in just my name).

I have no significant income and that will not change for several years. I'm just home with the babies right now.

Our proportion of loan balances to loan amounts will fall off as soon as our brand new loans have shrunk with time and payment and the one delinquent payment we've ever made just is what it is. So is the answer to actually open up another credit card or two, pay on the loans as scheduled, and work to get the number back up OR is it to just not worry about TransUnion since we're not using credit for anything in the near future anyway and 732 isn't really bad?

Meanwhile, my score from Equifax was 832 (husband's was 794) and I haven't had any income not reported on a 1099-MISC in about three years.

And since I've typed all of this out anyway, any general advice on handing our current cash flow and debt? We have an emergency fund but haven't set up college savings for the kids yet, in part because once I go back to work, we will have an entire extra income of about $35,000 net to put towards education and retirement.


Investing Deals
Cancer Diagnosis -- Financial Impact
Added on : Thursday April 10th 2014 11:00:15 AM
g: 0 Posted By: elrp
Views: 127 Replies: 4 Long time member with a new name.

I am female, 49, don't drink, don't smoke, in good shape, healthy diet. Please don't ask for pictures (I am very attractive for my age though). Up until a few days was very healthy. Had some abdominal pain, thought maybe I was having gallbladder issues. Turns out instead I have a tumor which is 99.99999% a freakishly rare form of liver cancer. Still being evaluated, do not know prognosis, could have months, could pull through this albeit with a reduced life expectancy. I assume people will be sympathetic - thanks, but please let's try to keep this strictly to the financial end of things.

Would appreciate help thinking over the financial part of things. I am the financial person in our household, married, one kid on his own, one still in college with 2 years to go.

Owe $120k on our ~$300k house, 8 years to go at 2.5% fixed
Life insurance on me $200k through insurance company, another $80k through work.
$30k loan on 2014 car. 4 other cars paid off.
About $6k left on PLUS loan for kid #1
No other debt
$20k liquid savings
$350k in 401k
$112k lump sum pension
Spouse has own 401k, around $200k there
$5k or so in HSA
Good health insurance
90 day short term disability at full pay for me, long term is 60% of pay

Kid #2 has $100k 4 year scholarship, our expected cost for him to complete college is $24k (housing, fees, travel, food, etc) which we have been paying from income and savings.

Income me $80k, spouse $40k (should increase to $56k in the next year)

While I would really like to have more life insurance on me, other than that I think H should be o.k. should I not survive this. Agree?

What if anything should I be doing now financially? I know I will have to record all our accounts and passwords for the H who is completely financially challenged. What else?

What am I missing?


















Personal Finance Deals
In Need of Tax Shelters - Time to Update 2005 Post!
Added on : Wednesday April 09th 2014 05:00:10 AM
g: 1 Posted By: ProfitNinja
Views: 43 Replies: 2 This post from 2005 has some great ideas but I couldn't find anything more recent (http://www.fullofdeals.com/forums/finance/447023 /) and as I went through the list I found that most of it did not apply to me for a variety of reasons. For some background, my income is currently at 300k and expected to grow annually by about 10% for the foreseeable next few years. I am in desperate need of some sort of tax shelter as the taxation problem will only grow worse over time. Any "outside the box" ideas?

Long-Term Savings:

401k (earn gains on pre-tax $; taxed when withdrawn at retirement) (link) -Already contribute the annual max
IRA (earn gains on pre-tax $; taxed when withdrawn at retirement) - Income limits, can't contribute
Roth IRA (pay no tax on earnings -- invest taxed income) (link) - Income limits, can't contribute
I-Bonds or EE (post 1989) (use towards education and pay no tax on earnings) (link) - Need to look into this to see if viable.

Personal Tax Credits:

Educational Credits (Hope/Life) (link) - Income too high, no go
Adoption (link)
Earned Income Credit (link) - Income too high, no go
Child Care Credit (link) - Income too high, no go
Child Tax Credit (link) - Income too high, no go

Personal Tax Write-offs:

Morgage Interest
College Loan Interest (link) - Income too high, no go
College Tuition and Fee's (link) - Income too high, no go
Donations to Charity (or fair market value of items donated) - Already do this
Moving Expenses (Job related move) (link) - not applicable
Educator Expense Deduction (link) - Income too high, no go
Alimony Paid (link) - not applicable

Business:

Incorporating your small business in Nevada and other state-tax free states (to shelter some income from state taxes)
Business Expenses (ex: Eligible Business Travel Expenses) (link)

Other:

Flexible Spending Account (link) - Not applicable, I contribute the max to a Health Savings Account - This is probably the best thing since 401k.
Governement Employee 457 account (link)Not applicable.

The only other beneficial tax deduction was for daycare services but my youngest child will turn 13 next year in January so that won't exist anymore!
Tax Deals
g: 13 Posted By: remick
Views: 3086 Replies: 1 http://www.amazon.com/dp/B004R1Q61A

4.6 out of 5 stars (9 customer reviews)

This book is a gentle introduction to some of the more difficult chemistry concepts encountered in high school and college chemistry. Often a lack of understanding of basic concepts and how they fit together is the major reason students do poorly in chemistry class.

Chemistry for Everyone is for anyone who needs help understanding the most difficult chemistry concepts and tools that will be encountered in a typical high-school level chemistry classes. Whether you are taking it for the first time in high school, have a child who needs help with homework, or just want to find out more about chemistry, this book is for you.

Topics include The Atom, The Mole, Scientific Notation, Significant Figures, Unit Conversions, Bonding, Chemical Reactions, and Solubility. Problem-solving advice, homework tips, and test-taking skills are also included.
Totally Free Deals
Son wants to be a Pediatrician, what's a backup plan if he fail?
Added on : Monday April 07th 2014 08:00:06 PM
g: 0 Posted By: OneBread
Views: 51 Replies: 2 My son is a senior in HS and he wants to become a pediatrician as a career goal. That would be great if he cando it and I support him all the way. But frankly I have serious doubt if he can do it. I just don't think he has the smarts. I'm not just being hard on him; just realistic. He tries very hard in HS but the grades and tests don't reflect his effort. As an example, he already took Calculus and currently taking AP Calculus, but his college assessment test shows his math level should be intermediate Algebra. So my question is this:

What if he pursuit the pediatrician path but does not make the cut? What is a relevant backup plan? Does he become a medical lab technician or work in a hospital lab or something?
Question Deals
g: 0 Posted By: arla
Views: 213 Replies: 0 From now through May 3rd, Best Buy is offering $150 off all MacBooks and iMacs through their college student deals. Sign up to get a one-use coupon code:
http://www.bestbuy.com/site/Global/College-Student-Deals/pcmcat2...

Example prices after coupon:
Base model 13.3" air: $909.99
Base model 11" air: $799
13.3" MacBook Pro: $1049.99
13.3" MacBook Pro with Retina: $1119.99

Other models/configurations available, too.
Laptops Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 289 Replies: 0 http://www.amazon.com/dp/B007OWHL4A

4.8 out of 5 stars (13 customer reviews)

In 1954, two college students were hiking along a creek outside of Boulder, Colorado, when they stumbled upon the body of a murdered young woman. Who was this woman? What had happened to her? The initial investigation turned up nothing, and the girl was buried in a local cemetery with a gravestone that read, "Jane Doe, April 1954, Age About 20 Years."

Decades later, historian Silvia Pettem formed a partnership with law enforcement and forensic experts and set in motion the events that led to Jane Doe's exhumation and eventual identification, as well as the identity of her probable killer. The new Kindle version includes an Epiloguewith updated information on how the mystery finally was solved.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 124 Replies: 0 http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

Too many trivia and pub quizzing books in the market are focused on memorization of dry facts & obscure trivia. This book is different.It features trivia quizzes where you can work out each answer. And, if by chance you are unable to work out a particular trivia question, you will be left with a "Shucks! I should have guessed that feeling" once you see the answer.

Here is what some of the reviewers on Amazon had to say:

- The book is fun for two reasons. Firstly: it will provoke much discussion and guessing if you pull this out and play as a group or even a couple, let's say, on a long car trip, plane flight, a rainy night in a camping tent, or whenever it seems time is dragging. And secondly, answering these kinds of questions could help you guess the answer to high school or college test questions.
- Goes without saying from the number of stars I've given, the content is simply superb!
- This was an enjoyable and entertaining trivia book to read. The topics in the book make you think and they brought back a lot of memories. This would be a fun book to have with a group of friends and have one person read a question and have the group try to come up with the correct answer.
- What I really enjoyed about InQUIZitive is that questions are typically paragraph-length and give some background for the answer. I knew (or guessed) the correct answers for many questions, but even for the ones I couldn't answer, I learned some interesting tidbits.
- I am a fan of trivia and a history buff, so I enjoyed this book to the max. It gave me information about things I have never thought about in relation to trivia.

And here are three sample questions:

Q1. According to the website of the Colchester tourist board during the English Civil War a large cannon was placed strategically on the wall of the castle. A shot from the parliamentary army managed to destroy the wall under the cannon and caused it to tumble to the ground. The Cavaliers (who were loyal to the King) tried to raise the cannon but could not do so as it was too heavy. What was the name of the cannon & how has it been immortalized?
Q2. Canonization is a process by which the Christian church declares a deceased person to be a saint. Now, during the canonization process of the Roman Catholic Church, a lawyer was appointed to argue against the canonization of the person. It was this persons job to take a skeptical view of the candidate's character, to look for holes in the evidence, to argue that any miracles attributed to the candidate were fraudulent, and so on. What was the popular name given to such a lawyer?
Q3. According In her book Fairy Tale Ending, Ursula Sautter offers this hypothesis: After the defeat of the Danes at the Battle of Bornhoved, their lands became available for colonization by the Germans. The German rulers sent out glib recruitment officers offering rich rewards to those who were willing to move to the new lands. Thousands of young adults from Lower Saxony headed west leaving their parents behind. What incident is she trying to explain?

Answers:
1. Humpty Dumpty. It is widely believed this story of the Colchester Cannon is the origin of the nursery rhyme Humpty Dumpty
2. Devil's Advocate. Therefore, today a person who advocates an opposing or unpopular cause for the sake of argument or to expose it to a thorough examination is called a "Devil's Advocate"
3. Pied Piper of Hamelin, luring away the children of the town of Hamelin

This book features multiple such questions that will leave you wanting more.You can rest assured that this book features trivia that is fun, entertaining & enlightening.


http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

http://www.amazon.com/dp/B00G0NN7QA
Totally Free Deals
g: 0 Posted By: remick
Views: 149 Replies: 0 http://www.amazon.com/dp/B004R1Q61A

4.6 out of 5 stars (9 customer reviews)

This book is a gentle introduction to some of the more difficult chemistry concepts encountered in high school and college chemistry. Often a lack of understanding of basic concepts and how they fit together is the major reason students do poorly in chemistry class.

Chemistry for Everyone is for anyone who needs help understanding the most difficult chemistry concepts and tools that will be encountered in a typical high-school level chemistry classes. Whether you are taking it for the first time in high school, have a child who needs help with homework, or just want to find out more about chemistry, this book is for you.

Topics include The Atom, The Mole, Scientific Notation, Significant Figures, Unit Conversions, Bonding, Chemical Reactions, and Solubility. Problem-solving advice, homework tips, and test-taking skills are also included.
Totally Free Deals
g: 0 Posted By: remick
Views: 149 Replies: 0 http://www.amazon.com/ALGEBRA-WORDS-Strategies-Simple-Explanatio...

If you are seeking clarity and success in algebra, this is the book you are looking for. Think of this as an extra voice in your ear, translating the math into words, explaining what things mean, giving you clues to look for, and telling you how to solve problems.

This guide focuses on all the important topics of algebra including:
-Linear Equations
-Systems of Linear Equations
-Factoring
-Trinomials
-Quadratic Equations
-Complex Rational Expressions
-Powers and Radicals

This book explains this seemingly complicated subject through unique sections you won't find in any other study guide such as:
-Obscure Properties of Zero, One and Negatives
-The Real Order of Operations
-The Prime Number Multiples Table
-Is 51 a Prime Number?
-GCF vs. LCD
-What Does "Undefined" Mean?
-Parallel & Perpendicular Lines on a Graph
-What Does "Solving in Terms of" Mean?
-The Wrong Way to Simplify a Rational Expression
-The Part Everyone Forgets (The Last Step of the Quadratic Equation)
-Special Words for Special Cases
-Prime vs. No Solution
-The All-LCD Method
-Cross-Multiplying vs. Cross Cancelling
-List of Common Radical Fingerprints
-Manipulating & Simplifying Radicals
-The Two Meanings of "Cancelling Out"
-What Does "Error" on a Calculator Mean?
-Scientific Notation on Your Calculator
-FMMs (Frequently Made Mistakes).

This book contains:
-Step-by-step instructions
-Annotated examples
-Detailed descriptions
-Hyperlinks for quick and easy topic reference

And:
-will help you process what you see and hear
-will tell you how to write and speak the math
-highlights the most commonly made mistakes
-connects key topics that cross through different chapters

With its easy click-able index and hyperlinks, this is the perfect resource to keep on any smart device to help you with homework or prepare for an exam. It will help any high school or college student solidify the important fundamentals used in Basic Math, Introductory Algebra, Elementary Algebra, Intermediate Algebra, College Algebra, Pre-Calculus and Calculus.
Totally Free Deals
g: 0 Posted By: thefrozentin
Views: 92 Replies: 0 Found this on SD

Link(Sign in to see the page)

Click on the link and the information will be emailed to you.
Health Deals
Free GNC Gold Card & Shaker Cup When You Show a Valid College ID - FB
Added on : Wednesday March 26th 2014 06:00:14 AM
g: 0 Posted By: remick
Views: 188 Replies: 0 https://www.facebook.com/GNCLiveWell/posts/10152275782702418
Limited Eligibility Deals
YNAB budgetting software is Now Free for College Students
Added on : Wednesday March 26th 2014 06:00:12 AM
g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.youneedabudget.com/blog/2014/ynab-is-now-free-for-col...

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

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

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

How to Obtain Your Free Copy of YNAB

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

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

At the end of the year, just shoot us another email if youre still cranking away on your schoolwork, and well send you a new license key thats good for the entire next year
Limited Eligibility Deals
Need advice reg a College decision
Added on : Tuesday March 25th 2014 09:00:14 AM
g: 0 Posted By: Boochi
Views: 195 Replies: 4 I am here in US on a H1-B visa for the last 11 years, living in Ohio state and I don't know when will I get my greencard (in India-EB3 category) and my family is on H4 visa. This reg my son. He did all his schooling (from 2nd grade) here in USA and currently a high school senior. He is a bright kid with lot of AP courses completed in Math & Sciences with distinction and his ACT is 27. He has ADD issues (and little depression issues too, again not aggressive or violent), due to which his grades were not consistent in his high school and when it comes to languages he never made beyond C (there were Ds & Fs also in some quarters). He applied to 5 or 6 colleges locally, again due to our visa status, he had to apply as International student. But all the colleges have rejected him. Currently, I have the choice of only community college, but I wanted to give him the real undergrad college experience. Does anybody out there in my shoes? Does anybody have suggestions how do I go about? I can spend upto $20-25K per year for his college (and he won't get any loans, neither he can work part-time due to his Visa type).

Thanks.
Personal Finance Deals
g: 1 Posted By: remick
Views: 172 Replies: 0 http://www.amazon.com/dp/B00BS1FT9M

4.5 out of 5 stars (68 customer reviews)

"SAT Preparation: The Black Book & The Blue Book Are All You Need"
No SAT vocabulary lists | No annotating | No math drills | Just an SAT book that actually works
The "SAT Prep Black Book" gives you unique, effective SAT strategies from Mike Barrett, a SAT tutor with clients all over the globe who pay him hundreds of dollars an hour for phone tutoring. The Black Book is a must-have, whether you need to
make a perfect 2400 to be competitive at an Ivy,
score a 450 in each section to claim a sports scholarship,
or anything in between.
The Black Book works best when used with the authentic SAT questions in the Blue Book, which is the College Boards Official SAT Study Guide. The Black Book shows you how to beat the SAT, while the Blue Book gives you real SAT questions to practice with. (The SAT Prep Black Book has no affiliation with the College Board.)
The Black Book and the Blue Book are all you need to get your best possible SAT score.
The Black Book is the ideal SAT book for 3 major reasons:
It actually works, making it unique in the SAT prep field. There are no lists of SAT vocab to memorize or anything like that. Instead, you'll exploit design flaws in the SAT, using its own SAT tricks" against it.
The Black Book contains 250+ solutions for real SAT questions from the Blue Book, so you know it actually works. (You'll need the 2nd edition of the Blue Book to use these solutions.)
The Black Book is a clear, concise roadmap to the SAT. (See the table of contents below). It explains exactly how every SAT question works, and how to beat it in the least time possible.

SAT Book Table Of Contents (Selected)
Be sure to check the look inside feature or the free Kindle preview. Heres a selection from the table of contents:

F.A.Q.
Setting (the right) goals
How to train for the SATmastering the ideas in this book
Only work with SAT questions from the College Board!
A word on SAT guessing: Dont
How to avoid careless errors
Where to find missing points
Time management
The SATs big secret
SAT Passage-Based Reading
The big secret of SAT Reading
SAT Sentence Completion
5 reasons memorizing vocabulary isnt the best idea
What if we dont know enough words?
SAT Math
The big secret of SAT Math
The 2 critical components of SAT Math success
The SAT Essay
SAT Writing multiple-choice
How to improve on the Writing section
Being an SAT machine
8 things you thought you knew about the SAT are wrong
The nature of elite scores
Advice for non-native English speakers
A final piece of advice
Totally Free Deals
g: 0 Posted By: f2000sa
Views: 166 Replies: 0 spotifyStudent program
Services Deals
College Basketball Team Slippers $10 @ Kohls
Added on : Monday March 24th 2014 10:00:03 AM
g: 0 Posted By: MrsGuin
Views: 65 Replies: 0 http://www.kohls.com/catalog/mens-clearance-sports-fan-shoes.jsp?CN=4294723349+4294736457+4294718600+4294719777&S=4
Clothing Deals

Kohl's Coupons
Looking to purchase my first used luxury vehicle with financing.
Added on : Monday March 24th 2014 06:00:17 AM
g: 0 Posted By: Run2You
Views: 826 Replies: 27 Hey guys,

Long story short, I am a new grad and I have been fortunate enough to receive a job offer in silicon valley. I plan on relocating in May/June and I plan on purchasing a used car. I've always been a car guy and it has always been one of my dream to own a Porsche and I really want to try and see if I can make that happen. (Nothing crazy - 09+ Cayman S or just non-S which costs about 30k-40k with reasonable miles)

Before I get in to that, here is where I am at financially.
I will be making 6 figures this coming May/June.
No / very little student debt by May/June (< $10k)
Scored 740 in recent credit check.

I know purchasing an expensive car isn't the smartest thing to do for someone who's starting off, but I worked my butt off throughout college and paid for my education so I want to say I deserve a reward for achieving such a big milestone in my life. I've been mostly eyeing at 09+ Caymans with about 30k miles primarily because earlier models have an oil starvation problem and I want to experience trouble free experience for a while. I have a GTI that I pretty much built from the ground up so I know enough about cars to maintain it myself. (I plan on leaving the old car at my parent's garage as it accumulated enough mileage that it's worth next to nothing if I were to sell now and it is my first car I purchased with my own savings in high school so it has the extra sentimental value)

Anyway, back to the topic, if I were to go with this plan and purchase a used Porsche for around 30-40k, what would be the best way to achieve the latter? I plan on financing the car and pay it off as fast as possible, but since I am new to financing used cars, I am unsure how much I should allocate for down payment and etc.

Any inputs from experienced FWers will be greatly appreciated.

Question Deals
g: 0 Posted By: remick
Views: 50 Replies: 0 Accounting: An Introduction: Pearson College [Print Replica]
http://www.amazon.com/Accounting-Introduction-Pearson-Eddie-McLa...

Accounting: An Introduction is renowned for its clear, accessible and uncluttered style. It provides a comprehensive introduction to the main principles of financial accounting, management accounting, and the core elements of financial management. With a clear and unequivocal focus on how accounting information can be used to improve the quality of decision making by managers, combined with a strong practical emphasis, this book provides the ideal grounding for a career in management.



Economics: Pearson College [Print Replica]
http://www.amazon.com/Economics-Pearson-College-John-Sloman-eboo...

The Eighth edition of Economics contains the most up-to-the minute coverage and uses the latest data to track and analyse the impact of the global financial crisis on our economy.
Economics is popular for its active learning and student-friendly approach, and the new edition retains its classic features that provide a solid foundation for the study of economics, while covering much of the recent turmoil in the economy.
Books & Magazines Deals
Looking to purchase my first used luxury with financing.
Added on : Sunday March 23rd 2014 09:00:07 PM
g: 0 Posted By: Run2You
Views: 144 Replies: 1 Hey guys,

Long story short, I am a new grad and I have been fortunate enough to receive a job offer in silicon valley. I plan on relocating in May/June and I plan on purchasing a used car. I've always been a car guy and it has always been one of my dream to own a Porsche and I really want to try and see if I can make that happen. (Nothing crazy - 09+ Cayman S or just non-S which costs about 30k-40k with reasonable miles)

Before I get in to that, here is where I am at financially.
I will be making 6 figures this coming May/June.
No / very little student debt by May/June (< $10k)
Scored 740 in recent credit check.

I know purchasing an expensive car isn't the smartest thing to do for someone who's starting off, but I worked my butt off throughout college and paid for my education so I want to say I deserve a reward for achieving such a big milestone in my life. I've been mostly eyeing at 09+ Caymans with about 30k miles primarily because earlier models have an oil starvation problem and I want to experience trouble free experience for a while. I have a GTI that I pretty much built from the ground up so I know enough about cars to maintain it myself. (I plan on leaving the old car at my parent's garage as it accumulated enough mileage that it's worth next to nothing if I were to sell now and it is my first car I purchased with my own savings in high school so it has the extra sentimental value)

Anyway, back to the topic, if I were to go with this plan and purchase a used Porsche for around 30-40k, what would be the best way to achieve the latter? I plan on financing the car and pay it off as fast as possible, but since I am new to financing used cars, I am unsure how much I should allocate for down payment and etc.

Any inputs from experienced FWers will be greatly appreciated.

Question Deals
Need help planning 6-12 month travel dream
Added on : Sunday March 23rd 2014 07:00:09 PM
g: 0 Posted By: travelguy28
Views: 22 Replies: 0 I started my first post-college/salaried job last year and make ~$60k annually in a very low COL city. My plan is to work for another ~2 years to save enough money to travel around the world for 6-12 months. I should have almost $30k saved and am budgeting $100/day to spend while traveling.(In reality, it will probably be $30-$50/day in cheaper countries and $50-$100/day in more expensive countries. The $100/day budget is to account for air travel and all misc expenses.)

I am most concerned about planning for after the trip is completed. How much should be saved for when I return home? Does 6 months worth of living expenses sound reasonable? I will need to find a new job so this may take some time. I might ask my current employer for a LOA but they probably won't accept this.The other thing I am worried about is health insurance. I should be covered by parents health insurance for the duration of the trip but will turn 26 after returning home and no longer be covered.

What else should I be considering besides the fear of not finding a new job and hurting my career?
New User Question Deals
Finishline.com NCAA Hoodies $9.99
Added on : Saturday March 22nd 2014 01:00:02 PM
g: 0 Posted By: DaysFan
Views: 210 Replies: 0 linked http://www.finishline.com/store/shop/_/N-/Ne-33id3Z33icsZ3Z33icuZ6Z4Z33icxZ33id0/Ns-P_SalePrice%7C0/Ntt-hoodies?sort=sort%3Aprice%20-%20low%20to%20high
http://www.finishline.com/ Kids' Washington Huskies College Pullover Hoodie$40.00$9.99 Women's Missouri State Bears College Pink Pullover Hoodie$40.00 Women's North Carolina Tar Heels College Pink Pullover Hoodie$40.00 Men's Boise State Broncos College Charcoal Hoodie$40.00$9.99 Men's Kansas Jayhawks College Icon Hoodie$40.00$9.99 Women's Kansas State Wildcats College Pink Pullover Hoodie$40.00$9.99 etc.


Clothing Deals

Finish Line Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Googling-Earth-Using-Google-Explore-ebook/...

Googling Earth teaches you to use all of the Google Earth tools AND teaches you how to look at the Earth. Learn to recognize volcanoes, coalmines, islands and glaciers. Explore Magellan's route, the space age, or Huck Finn's island. Use map overlays, 3D buildings, and images from the past to understand Rome, clearcutting in the Amazon, and the pyramids. Create a map of places your family lived, your summer vacations, and your schools and colleges. Discover crop circles, painted roofs, and ancient lines in the sand. Travel to the Moon and see where the Apollo missions landed, or to Mars and follow the expedition of the Curiosity rover. All this in easy-to-follow steps that keep the discoveries coming.
g: 0 Posted By: remick
Views: 167 Replies: 0 http://www.amazon.com/The-Study-Skills-Book-Pearson-ebook/dp/B00...

Is there a secret to successful study?The answer is yes! There are some essential skills and smart strategies that will help you to improve your results at university.

Using proven techniques and tips to help you focus your efforts and develop successful study skills and strategies, THE STUDY SKILLS BOOKprovides practical answers to questions such as:

What do lecturers expect from you in a tutorial?
Whats the best way to plan an essay or dissertation?
Where should you concentrate your efforts for maximum impact?

This book is an essential practical resource for all students who want to improve their performance and succeed in their studies:

All key study skills are covered including essay writing, revision and exams, tutorials, and dissertations
Practical solutions are presented for the most common problems
A common-sense, no-nonsense approach is offered using practical checklists and tips
Books Deals

Amazon Coupons
g: 0 Posted By: guy4167
Views: 35 Replies: 0 You cannot get a raise unless its in August when annual reviews happen. 3 years before employer 401k contributions vest. I am a high performer at work and have been recognized as such.

I was hired on in January 2012 at a very entry level salary. I had no experience in the field, was recently out of college, and had no leverage. so I accepted a job paying in the mid to high 30s. August 2012 I was a noob with limited experience who they liked. Got a $1000 raise and a good review. Fair enough. They started grooming me for a promotion in Spring 2013. August 2013 they promoted me at my annual review. Gave me a $2500 raise for both the promotion and annual COL. I was disappointed in this and have felt underpaid since. I cant leave until January 2015 unless I was blown away because I would be losing a lot of money from my 401k (maxed to employer match since i was hired).

What do you think I should do? Very happy with where i work other then the pay. Should I ask for a raise? How would you handle this?
Investing Deals
g: 0 Posted By: shake2927
Views: 125 Replies: 0 College Diploma Frame for UMCP UMBC Georgetown John Hopkins GOLD FRAME $84 SHIPPED from milestonecollectionRetail college diploma frames costs between $150-$200 this is
half the price at $84 Shipped!


30% off Coupon code: Yao
LINK TO MILESTONE COLLECTION!
Home & Garden Deals
Continuing Education for (Fun and) Profit?
Added on : Sunday March 16th 2014 02:00:05 AM
g: 0 Posted By: Dus10
Views: 0 Replies: 0 While it is not good, I am sure that I am not alone in having student loan debt here on FWF. I am working to pay it down, however, and I have come up with a (likely unoriginal) strategy to reduce my interest payment.

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

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

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

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

What other options are out there? Things that you normally wouldn't use but the free/discounted rate makes it affordable for you? Things you already use that would become less expensive?
Just turned 18, living on my own. Any financial advice?
Added on : Saturday March 15th 2014 12:00:07 PM
g: 0 Posted By: tayumi
Views: 15 Replies: 0 Sorry this is so long but please read the whole thing because everything is just really complicated

My situation right now is that I'm a high school senior, I work part-time (getting $300 a month), my mother owned the house where I live in (I say "owned" because she passed away a few days ago. The house will automatically go to my older brother, who has no use for it as he lives in a different state, so he plans on signing it over to me). It's a duplex, so right now there's a renter on the other side paying $600 a month, while I'm paying $690 a month for mortgage, $30 for water, and.. well honestly I don't know how much electric is. That, and I can probably live off about $40 a month for food, plus or minus some.

My mom owed a lot of money to people, so whenever any of her bank accounts went over about $400 they'd garnish her money. I had to have a bank account when I started my job, and being only 17 then, it had to go under her name, or she had to cosign it or something. I think in November, actually, they took about $230 from my account. Will this happen again? My card from them says her name and I've yet to talk to my bank account about this (actually it's a credit union but it's basically the same thing. I should be talking to them I guess but they're closed on weekends).

That being said, her credit rating was pretty low - about 580. So obviously the mortgage interest rate, which still has 25 years to go, is very high. It's a $70,000 house where I have to pay almost $700 a month for 30 years. I don't know the exact rate, but it's a lot that could be cut in half with a good credit score. The thing is, I have NO credit, and at this point I don't think I can afford getting credit because that would involve buying stuff, and I can't afford to pay back for the stuff that I buy, if that makes any sense.

Also, I'm guessing I'm going to owe her car too, and honestly I don't know anything about car ownership other than expensive, complicated, paperwork. I don't even have a driver's license, all I have is a permit.

Since I only get $900 a month of income, would I be eligible for foodstamps? How would I go about getting that?

Even though I'm a high school Senior and I AM college-bound, I'm taking a gap year to get everything settled down, then after that, well.. I don't know what to do with my pets, but then I'm going off to college and probably renting out the other side of the duplex, so I'd get $1200 a month from there ($1100 if I decide to be nice). Does this overall seem like a good idea?

That's about all the issues I can think of. I'd greatly appreciate any advice and suggestions!
New User Question Deals
Free Kindle Book-The ABCs of Money (was $18.95)
Added on : Saturday March 15th 2014 09:00:08 AM
g: 0 Posted By: remick
Views: 284 Replies: 0 http://www.amazon.com/dp/B00AWEM9GW
4.2 out of 5 stars (93 customer reviews)

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

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

Amazon Coupons
Executive Savings Plan for fun and profit
Added on : Wednesday March 12th 2014 03:00:11 PM
g: 0 Posted By: CptSavAHo
Views: 47 Replies: 2 My company offers an Executive Savings Plan and you can defer up to 100% of salary including bonus but you have to elect your participation as a % of salary at the start of the year. This year I elected 5%. As I understand it the money put into ESP is before tax and does not count as income when taxes are filed, and only reported as income when withdrawn or required to be reported as an asset on most federal forms. This had me thinking that there could be several lucrative times and ways to defer significant portions of my income.

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

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

I'm sure there are more ways to utilize it.
Personal Finance Deals
g: 0 Posted By: MrsGuin
Views: 182 Replies: 0 Many apparel as low as $2.10 Enter code MARCH30@ checkout. http://www.neebo.com/Shop/sale-clearance?school=default&name=cj
Clothing Deals
g: 0 Posted By: SegaRob
Views: 58 Replies: 0 Pay $150 in commissions and get $400 ipad mini. Must keep funds for 6 months.

http://landing.optionshouse.com/nasdaq/brokerpage/why

The free Apple iPad Mini with Retina Display 16 GB promotion applies only to newly funded OptionsHouse customers who initially fund their account within 30 days of completing the application. To be eligible for the Apple iPad Mini with Retina Display 16 GB, you must satisfy both of the following requirements: (1) Fund a new OptionsHouse account with a minimum of $10,000 for a cash or margin account using promo code IPADMINI; (2) Make 30 commissionable trades within 90 days after funding your new OptionsHouse account. Note: Commission-free trades do not qualify toward the 30 trades. Fulfillment of the free Apple iPad Mini with Retina Display 16 GB will occur within 60 days once both requirements are fully satisfied. Limit one promotional item per household please. This promotion may not be combined with other offers and additional restrictions may apply. Only individual or joint OptionsHouse accounts, personal trust accounts, and business accounts are eligible. The promotion is not available for retirement accounts including, among others, IRA, Roth IRA, SEP, and SIMPLE accounts; 401(k) and 403(b) workplace retirement plans; UTMAs and UGMAs; fiduciary accounts (including custodial accounts, estate accounts); college investment trust accounts; and 529 college savings plan accounts. OptionsHouse reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. OptionsHouse will provide customer shipping and contact information to Links Unlimited. The Apple iPad Air 16GB Wi-Fi will ship directly to customer from Links Unlimited. Links Unlimited will only ship products to addresses within the 50 states, Washington D.C. and APO/FPO military addresses. The Apple iPad Mini with Retina Display 16 GB Wi-Fi comes with a 1-year limited warranty. Warranties are provided by Apple and OptionsHouse is not liable for performance, maintenance or repair. OptionsHouse reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Offer excludes employees of OptionsHouse, LLC or any of its affiliates, current OptionsHouse account holders and any other account holders who have maintained an account with OptionsHouse, LLC during the last 30 days. Taxes related to OptionsHouse offers are your responsibility. Retail values totaling $600 or more during the calendar year will be included in your consolidated Form 1099. Apple does not endorse or sponsor this promotion and has no affiliation with OptionsHouse. 2014 Apple, Inc. All rights reserved. Void where prohibited. OptionsHouse reserves the right to debit $399 from any account that has received the Apple iPad Mini with Retina Display 16 GB Wi-Fi and has either closed their account or withdrawn assets below the minimum qualifying funding level within 180 days of original funding date. This promotion expires 04/15/2014.


Real Estate Deals
g: 0 Posted By: nthoangga
Views: 5 Replies: 0 I'm 24, non-US citizen. I just recently graduate my MS and starting a full time position. My monthly take home is $4750. I'm still living like a college student, so I'm roughly saving about $4k/month now.

I have maximized my IRA monthly contribution to my employers matching. What should be my financial move, from now? I don't want to contribute too much to any retirement account, because I want to have a big cushion that if for some reason I have to go back to my country, I still can withdraw those money without to much penalty.

Thoughts from FWF wiser very much appreciated! Thanks!
[Btw, I'm just starting reading The Boggle Head for Investing]
Personal Finance Deals
Protecting Assets Accident Exceeds Insurance
Added on : Friday March 07th 2014 07:00:13 AM
g: 0 Posted By: PersonOfDisinterest
Views: 63 Replies: 0 Hi,

I've been reading this forum for a while but this is my first time posting. I was recently in an auto accident. (I was making a left turn, the other guy sped up and ran a red. No witnesses though and California so I'm default at fault). I thought I had enough insurance coverage but it looks like it's going to exceed my limits (yes I should have had umbrella coverage). I w as wondering about protecting what little assets I have in negotiating a settlement should it come to that.

Summary:
New Wife just had a baby - on maternity leave
I work film production - job will go on hiatus soon (hope to land a pilot)
Together we will make about 80k a year when she goes back
Daycare 11k a year
We have some money saved in her 401k and my Roth.
Some money in regular stock. Not enough for a house payment though
Several thousand in credit card debt at 0%

My question is what is an insurance company capable of digging up when they determine my ability to pay and how worth it it is to negotiate with me. Should I gift stock to my baby, wife, or parents? Is there anything else I can do? How do I go about settling this sort of thing as well as I can without making it so my kid can't go to college? (And yes I'm getting recommendations for lawyers)



Personal Finance Deals
Free Ebooks 3-5-14
Added on : Wednesday March 05th 2014 07:00:10 AM
g: 0 Posted By: jhall1822
Views: 46 Replies: 1 Note: I only posted the books from FreeEbooksToday.com that have a rating of 4 or more, there are others if you are interested. Please make sure the books are still free on Amazon before purchasing!


Introducing Windows 8.1 For IT Professionals
Rating - 4.3 (20 reviews)Get a head start evaluating Windows 8.1 - with early technical insights from award-winning journalist and Windows expert Ed Bott. Based on the Windows 8.1 Preview release, this guide introduces new features and capabilities, with scenario-based advice on how Windows 8.1 can meet the needs of your business. Get the high-level overview you need to begin preparing your deployment now.
Preview new features and enhancements, including:How features compare to Windows 7 and Windows XPThe Windows 8.1 user experienceDeploymentSecurity featuresInternet Explorer 11Delivering Windows appsRecovery optionsNetworking and remote accessManaging mobile devicesVirtualizationWindows RT 8.1

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

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

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

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

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

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

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

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

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

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

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

We're trained not to stray too far from the path.If we follow this recommended path, why do we still feel that we're missing something?In Breaking Out of a Broken System, Seth & Chandler Bolt give you the tools to re-draw the lines, chart new roads, and expand the borders around your life.

Each of the brothers writes a totally different perspective on the 15 most important life lessons taught by their parents. These are things they thought everyone learned growing up, but they realized otherwise after going out into the "real world".

As you read, you'll have the option to read two completely different perspectives on each life lesson.You can start with the artistic account written by Seth, bass player for the southern rock band NEEDTOBREATHE.Or...Dive into Chandler's entrepreneurial story told from the perspective of the younger brother.There are two major benefits that will manifest from reading these intriguing tales. First, your life will gain a fresh new outlook on how blazing new trails can be the perfect addition to your own path.
Totally Free Deals
g: 1 Posted By: MrsGuin
Views: 244 Replies: 0 http://www.fanatics.com
Clothing Deals

Fanatics Coupons
g: 0 Posted By: stopsignhank
Views: 239 Replies: 5 http://www.cbsnews.com/news/nj-teen-sues-parents-claims-they-kic...
MORRIS PLAINS, N.J. -- A bitter family battle was playing out in a New Jersey courtroom Monday, as an 18-year-old student has sued her parents claiming they kicked her out and demanded she pay for her own college education.
As CBS New York's Christine Sloan reported,Rachel Canning's parents could not believe it."We're being sued by our child," said Sean Canning, a former police chief in Lincoln Park, N.J.

"I'm dumbfounded, so is my wife, so are my other daughters.

"Rachel Canning is a cheerleader and an honor student at Morris Catholic High School in nearby Denville.In court papers, she alleged her parents abandoned her when she turned 18 and have now refused to pay for her to go to college - even though she has received acceptance letters from several universities.

But her father told a different story."I know Rachel is a) a good kid, b) an incredibly rebellious teen, and she's getting some terrible information," Sean Canning said.He claimed Rachel ran away from home in November because she did not want to follow house rules."Living in our house, there's rules," he said. "There's minor chores. There's curfews - when I say curfew, it's usually after 11 o'clock at night."

Rachel did not want to be interviewed Monday.

She is staying with the family of her best friend - which includes attorney John Inglesino.Inglesino is funding the lawsuit, telling CBS New York it is the only way the bright and focused teen will be able to go to a college appropriate for her to become a biomedical engineer.

Rachel, who has a $20,000 scholarship, said the University of Vermont is her first choice.

But Sean Canning said he is not refusing to pay for her college education."I reject the whole question on that -- the whole premise," he said. "We have a college fund that's available to her - there's no doubt about that.

But it's the equivalent ... of going shopping at a high-end store and sending somebody the bill."

Rachel has said she did not run away, but was given the option of dumping her boyfriend or getting out.

"Me and my wife are distraught," Sean Canning said.Both sides will be in court Tuesday.

Rachel Canning wants the court not to emancipate her, because under the law, a parent has an obligation to support any child who cannot stand on his or her own financially.Rachel also said every piece of financial paperwork she fills out asks her that question and shows she clearly doesn't have the means to support herself.

Inglesino said he has spent more than $12,000 on the lawsuit because he wants Rachel to have a great future.Sean Canning said Inglesino is just butting in where he shouldn't and is influencing Rachel inappropriately.
Discussion Deals
g: 0 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/Understanding-Your-Bible-Minutes-Day-ebook...

4.6 out of 5 stars (5 customer reviews)

The Bible can be overwhelming. For those unfamiliar with this huge and ancient book, it's hard to even know where to begin. These short, digestible readings answer questions about where the Bible came from, what it's about, and why it matters. Daryl Aaron blends the knowledge of a college professor with the friendly, welcoming tone of a pastor. Broken into forty small chapters, this book is perfect for those who want quick and clear answers to their questions.
Books Deals

Amazon Coupons
Am I biting off more then I can chew in regards to a condo purchase?
Added on : Saturday March 01st 2014 08:00:06 PM
g: 0 Posted By: guy4167
Views: 0 Replies: 0 Single, 2 years out of college. I have been living at my parents house. Last year I made $44,350 including bonuses. I have been promoted since I started work and it is going very well. Good job working for a large corporation, but not where I want to be in terms of salary yet. I am in the profession that my career will be spent doing.

I have $54,000 at my disposal right now. No debt and I own a car worth about $6000 that is in good working order. Thinking of purchasing a 2 bedroom condo:

$179,000 asking price. (sold for $245,000 in 06)
$4400 property taxes
$300/month HOA

Puts me at a monthly payment close to $1400 between mortgage/taxes/HOA. Only taking home $2500 a month after taxes, health insurance, maxed 401k, etc.
Question about American Opportunity Tax Credit (finance related right?)
Added on : Wednesday February 26th 2014 09:00:10 AM
g: 0 Posted By: beardeus
Views: 112 Replies: 2 Hi,
I actually tried to register at some financial aid/ college forums but both forums I tried aren't allowing me to apply. Something isn't working correctly.

Anyways here is my scenario. My wife finished school Spring 2013. The school billed her for those expenses December 2012 but it is clear she had tuition expense for 2013 but the college is not stating that she did. I know, from the horses mouth regarding ANOTHER scenario (IRS), that schools don't always report tuition expenses on the 1098 form correctly. The tuition expense were paid through student loans.

My question, is my wife's schooling in 2013 eligible for the American Opportunity Tax Credit? She meets all the other requirements.

Thank you so very much!
Tax Deals
Adding an addition onto my house - Questions. Am I going about this right?
Added on : Wednesday February 19th 2014 03:00:11 AM
g: 0 Posted By: NonReturnable
Views: 104 Replies: 4 I own a 1300 sqft 3 bedroom, 1 bath house.

I would like to add an extra bathroom onto the master bedroom.

2 reasons - I am sick of walking downstairs in the middle of the night to go to the bathroom. Also, we would like to move to a larger house closer to my job in 3-4 years or so (waiting for wife to finish college and get a secure job). I have been watching the houses for sale in my area for the last several years, and its seems like the houses that sit on the market and never sell have 2 things in common - single bathrooms and tired, old looking kitchens. I've updated my kitchen with tile floors, new appliances and new counter tops.

My house has 2 floors. The second story is not the full width (front to back) as the 1st floor. The only thing upstairs is my office and our master bedroom. These are over top of my living room and kids' room. I would like to add a 2nd floor over the back part of my house (dining room and kitchen).

I originally was going to just do a 15 foot wide dormer, however I have had a General Contractor come out to give me an estimate, and said it would be much easier and cheaper to build the addition to the existing corners of the back of the house, as it would not require as much reinforcing if he used the existing corners. This would not just give me a bathroom, but if we go this route, it would give me enough space for a small 4th bedroom, master bath and walk in closet. This would easily increase the value of my house by 25%.

So, here is where I am at -
I have several GC's coming to give me estimates on framing in the addition, putting a roof on it, and siding the outside. That is all I want. I can do everything on the inside. I have drywalled several other rooms (used to be plaster), I have experience doing electrical work, and I have a friend that is a plumber that said he would help me with adding the drain and water lines. In my county I do not have to get permits. I know this is weird, but they only require permits for anything that is a 3 family building or larger (eg, apartment). I've confirmed this by calling the courthouse and asking.

I went to Menards and priced everything I would need for the bathroom. It came to right around $1000 for a shower stall (I want a 3/4 bath), toilet, sink, plumbing materials, etc. I don't plan on making this super upscale, just using contractor grade materials, as in my area there isn't enough market demand for these items. Drywall and electrical materials will run me around $400. Insulation about $150.

I had an HVAC unit installed 6 years ago, and to be honest, I got kinda screwed. Its not powerful enough. When it gets in the upper 90s, it can only keep the house around 75, and the 2nd floor gets into the 80s, so we use a window AC in the master bedroom. I plan to reroute the return that goes to the 2nd floor to pull from my living room, and the forced air line to a bedroom that currently doesn't have a forced air line. I'll install a 2-ton Mitsubishi mini-split HVAC unit to cool and heat the 2nd floor. These run around $700.

I plan to take these numbers (after I sort through everything and make a nice spreadsheet) along with 3 estimates from different contractors on framing in the addition to my bank, to attempt to refinance my house and get a home equity loan to pay for the addition.

I paid $75k for the house in 2008.
I currently owe $66k on a 30 year mortgage.

Since I purchased the home, I have put about 20k into upgrades (laminate floors, HVAC - it only had electric baseboards when I moved in, split up a massive 15x20 laundry room to make a small utility hallway and a 3rd bedroom, etc)

I would like to get the house re-appraised to take the upgrades I've done into account, however I will have to pay for it because the bank will only do drive-by appraisals, not one where the guy comes in.

Should I pay for the appraisal before or after I talk to the bank?

Basically I want to go to the bank and say:
I owe 66k
The house is worth $X (somewhere in the mid $80s most likely, based on what my neighbor who is a Realtor says)
I want to do the following upgrades that will cost $Y and afterwards the house will be worth $Z.

So, how does this work? How can I get a loan on the equity between what I owe and what the house is worth?

What is the best way to go about this?

I would appreciate any advice that will get me moving in the right diection.

Thanks guys!

TL;DR - Want to build an addition on my house. Talk to me about how to best approach a home equity loan.
Question Deals
Balancing Student Loans, Retirement Funds, and life's expenses
Added on : Friday February 14th 2014 05:00:21 AM
g: 0 Posted By: itslikepaper
Views: 49 Replies: 0 Hello,

First of all, thank you in advance for any and all advice. I've been reading and learning quite a bit on FWF for a long time now, but this is my first time posting. FYI - I wish I knew about this forum before I took out these damn student loans.

Main Question: How should I allocate my income in order to responsibly pay off my student loans while still saving for retirement and other life expenses?

Profile:
26 years old
Employed, Full-Time, earning $48,000 per year - company does not match 401(k)
Married (26 years old, earning $25,000 per year)

Loans:
$27,718 - 6.8% Unsubsidized
$4,357 - 5.6% Subsidized
$5,512 - 6.0% Subsidized
$22,202 - 6.8% Subsidized
$2,627 - 2.35% Subsidized

Other expenses:
Rent & Utilities $1,100/month
No credit card debt
No auto loans

Assets:
$11,000 in Savings Account

Here's my two lines of thinking

A)
1. Max out Roth IRA as an emergency fund up to $11k (2014 & 2015)
2. Keep $3k in Savings, but put the remaining $2,500 (11k - 5.5k Roth contr - 3k savings) into the 6.8% Unsub student loan.
3. Pay minimum on lower interest rate loans while throwing everything else at the 6.8% Unsub loan.
5. An option (please give your opinion) is to enroll in an online course at a local Comm College to postpone interest on Subsidized loans.
6. Work hard and earn more money.

PROS:
Fastest way to pay off student loans.
Simplicity (no BTs and no crossing fingers for some kind of student loan bailout)

CONS:
No room to save on down payment for house
No retirement savings

OR

B)
1. Max out 401(k) to lower our AGI
2. Pay minimum on student loans
3. Get a job in the public sector (and probably a pay cut) to take advantage of PSLF (Public Service Loan Forgiveness - forgives all loans after 120 monthly payments)
4. Continue to keep AGI as low as possible using 401(k).

PROS:
Paying min on student loans gives me more flexibility with my money
Significant retirement savings

CONS:
PSLF, like anything else the government does, is not guaranteed to be around in 10 years
Taking a pay cut
I'm sure there are more cons, but drawing a blank right now

So, it feels like to me that these are my only two options and that they are mutually exclusive i.e. I can't really do a hybrid of both options to take advantage of the PROS. Any other ideas and suggestions are appreciated!

Thank you all again for any advice you can contribute!!!!!!



Personal Finance Deals
g: 0 Posted By: rpi1967
Views: 322 Replies: 2 Offer for new account with 10K deposit and 30 trades in 90 days ($142.50 in commissions)
Promotional Details What is the minimum funding amount required? $10,000 How soon do I need to fund my account? 30 days from the date your application is complete How many trades must I make to get this offer? 30 commissionable trades How many days do I have to make trades to get this offer? 90 days from the date your account is funded Are IRA accounts eligible? No Full Terms & Conditions The free Apple iPad Mini with Retina Display 16 GB promotion applies only to newly funded OptionsHouse customers who initially fund their account within 30 days of completing the application. To be eligible for the Apple iPad Mini with Retina Display 16 GB, you must satisfy both of the following requirements: (1) Fund a new OptionsHouse account with a minimum of $10,000 for a cash or margin account using promo code IPADMINI; (2) Make 30 commissionable trades within 90 days after funding your new OptionsHouse account. Note: Commission-free trades do not qualify toward the 30 trades. Fulfillment of the free Apple iPad Mini with Retina Display 16 GB will occur within 60 days once both requirements are fully satisfied. Limit one promotional item per household please. This promotion may not be combined with other offers and additional restrictions may apply. Only individual or joint OptionsHouse accounts, personal trust accounts, and business accounts are eligible. The promotion is not available for retirement accounts including, among others, IRA, Roth IRA, SEP, and SIMPLE accounts; 401(k) and 403(b) workplace retirement plans; UTMAs and UGMAs; fiduciary accounts (including custodial accounts, estate accounts); college investment trust accounts; and 529 college savings plan accounts. OptionsHouse reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. OptionsHouse will provide customer shipping and contact information to Links Unlimited. The Apple iPad Air 16GB Wi-Fi will ship directly to customer from Links Unlimited. Links Unlimited will only ship products to addresses within the 50 states, Washington D.C. and APO/FPO military addresses. The Apple iPad Mini with Retina Display 16 GB Wi-Fi comes with a 1-year limited warranty. Warranties are provided by Apple and OptionsHouse is not liable for performance, maintenance or repair. OptionsHouse reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Offer excludes employees of OptionsHouse, LLC or any of its affiliates, current OptionsHouse account holders and any other account holders who have maintained an account with OptionsHouse, LLC during the last 30 days. Taxes related to OptionsHouse offers are your responsibility. Retail values totaling $600 or more during the calendar year will be included in your consolidated Form 1099. Apple does not endorse or sponsor this promotion and has no affiliation with OptionsHouse. 2014 Apple, Inc. All rights reserved. Void where prohibited. OptionsHouse reserves the right to debit $399 from any account that has received the Apple iPad Mini with Retina Display 16 GB Wi-Fi and has either closed their account or withdrawn assets below the minimum qualifying funding level within 180 days of original funding date. This promotion expires 04/15/2014.

iPads Deals
g: 0 Posted By: rpi1967
Views: 50 Replies: 0 Offer for new account with 10K deposit and 30 trades in 90 days ($150 in commissions)
Promotional Details What is the minimum funding amount required? $10,000 How soon do I need to fund my account? 30 days from the date your application is complete How many trades must I make to get this offer? 30 commissionable trades How many days do I have to make trades to get this offer? 90 days from the date your account is funded Are IRA accounts eligible? No Full Terms & Conditions The free Apple iPad Mini with Retina Display 16 GB promotion applies only to newly funded OptionsHouse customers who initially fund their account within 30 days of completing the application. To be eligible for the Apple iPad Mini with Retina Display 16 GB, you must satisfy both of the following requirements: (1) Fund a new OptionsHouse account with a minimum of $10,000 for a cash or margin account using promo code IPADMINI; (2) Make 30 commissionable trades within 90 days after funding your new OptionsHouse account. Note: Commission-free trades do not qualify toward the 30 trades. Fulfillment of the free Apple iPad Mini with Retina Display 16 GB will occur within 60 days once both requirements are fully satisfied. Limit one promotional item per household please. This promotion may not be combined with other offers and additional restrictions may apply. Only individual or joint OptionsHouse accounts, personal trust accounts, and business accounts are eligible. The promotion is not available for retirement accounts including, among others, IRA, Roth IRA, SEP, and SIMPLE accounts; 401(k) and 403(b) workplace retirement plans; UTMAs and UGMAs; fiduciary accounts (including custodial accounts, estate accounts); college investment trust accounts; and 529 college savings plan accounts. OptionsHouse reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. OptionsHouse will provide customer shipping and contact information to Links Unlimited. The Apple iPad Air 16GB Wi-Fi will ship directly to customer from Links Unlimited. Links Unlimited will only ship products to addresses within the 50 states, Washington D.C. and APO/FPO military addresses. The Apple iPad Mini with Retina Display 16 GB Wi-Fi comes with a 1-year limited warranty. Warranties are provided by Apple and OptionsHouse is not liable for performance, maintenance or repair. OptionsHouse reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Offer excludes employees of OptionsHouse, LLC or any of its affiliates, current OptionsHouse account holders and any other account holders who have maintained an account with OptionsHouse, LLC during the last 30 days. Taxes related to OptionsHouse offers are your responsibility. Retail values totaling $600 or more during the calendar year will be included in your consolidated Form 1099. Apple does not endorse or sponsor this promotion and has no affiliation with OptionsHouse. 2014 Apple, Inc. All rights reserved. Void where prohibited. OptionsHouse reserves the right to debit $399 from any account that has received the Apple iPad Mini with Retina Display 16 GB Wi-Fi and has either closed their account or withdrawn assets below the minimum qualifying funding level within 180 days of original funding date. This promotion expires 04/15/2014.
How much house should we buy? Several variables here...
Added on : Wednesday February 12th 2014 05:00:07 PM
g: 0 Posted By: dougletw
Views: 54 Replies: 1 Just the data:
Two wage earners, one at $85K and one at $40K. Additional income of $500/mo from disability pension.
Analyst at $85K depositing 8% into a 401K with a match of 10% of salary plus .75 of contributions up to 6%. Age of employee is 40. Current 401K balance of $70K. Vested defined benefit to pay out $800/mo at age 65. Projected retirement income of $90K a year seems about right.
Teacher at $40K has a defined benefit plan with a pension that allows full retirement if age plus years of service equals 80. Age of employee is 37.
First home completely paid off. Resale value of $150K. Rental rate of $1200/mo.
Two children, ages 5 and 6. $500/mo deposited into college savings plan. Current balance is approximately $15K.
No debts period. $80K in cash on hand for a down payment. VA loan terms available.
Prequalified for $521,250.00 with a 20% down payment.
Goals--1) Pay for most of kids' college (don't want to pay for everything to incent scholarship)
2) Feel secure about retirement
3) Buy a new house

What SHOULD we pay for a new house? I feel like we may be too thrifty here because my wife is culturally averse to debt, even for mortgages.
Real Estate Deals
Wait to get in better shape for term life insurance?
Added on : Tuesday February 11th 2014 02:00:13 PM
g: 0 Posted By: yorkie345
Views: 1 Replies: 0 My son is 27 years old and married expecting his first child in 6 months. He used to be in great shape throughout college but has slacked the last few years. He asked me today about getting term life insurance, which I told him is a must, and he inquired about getting a better rate if he was in better shape. When he puts his mind to something he has no problem achieving it. He's about 6' tall and 205 lb with some muscle but wants to drop 20 pounds of fat in the next 6 months before the baby comes. Would he get a much better rate for himself if he was healthier? What factors play into your rate besides age? His wife is very active and I could imagine her getting back to her prebaby weight in no time with nursing and knowing her very well.
g: 7 Posted By: remick
Views: 1755 Replies: 1 SUNDAY SAUCE: When Italian-Americans Cook
http://www.amazon.com/SUNDAY-SAUCE-When-Italian-Americans-Cook-e...

"Come here kid, lem-me show you something. You never know when you're gonna have to cook for 20 guys some day." Pete Clemenza says to Michael Corleone (Al Pacino) in Francis Ford Coppola's The Godfather. it's one of the most famed movie scenes in history and of great importance to Italian-Americans. Clemenza is making "Gravy" aka Sunday Sauce, the Supreme Dish of Italian-America, and the dish that brings Italian Families together each and every Sunday. Learn How to Make Clemenza's Sunday Sauce, Meatballs, Pasta Fazool, Moma DiMaggio's Gravy, Goodfellas Sauce alla Prigione, and all of the great favorites of The Italian-American Table. Cook Sinatra's Spaghetti & Meatballs, Italian Wedding Soup and more, and delight in the many stories and factual information written by Italian Food & Wine Writer Daniel Bellino Zwicke. This book is filled with Joy & Love, and you will get many years of both, reading, cooking and eating the dishes of SUNDAY SAUCE "When Italian-Americans Cook"

Daniel Bellino Zwicke lives and works in New York City where he has been a Wine and Restaurant Professional for more than 20 years. Creator of Bar Cichetti "America's First Venetian Wine Bar" where Daniel was the Chef, Wine Director and Managing Partner. Attended New York Technical College, Daniel has authored; SUNDAY SAUCE "When Italian-Americans Cook" La TAVOLA, THE FEAST of THE 7 FISH "ITALIAN CHRISTMAS" and GOT ANY KAHLUA ? The Collected recipes of The Dude and is currently working on a new cookbook, yet to be named ... Daniel is one of America's Foremost Authorities of Italian Wine ...



Pasta Cookbook: 25+ delicious pasta recipes (pasta cookbook, pasta dishes, pasta recipes, pasta vegan,spaghetti recipes, lasagna recipes,pasta sauce)
http://www.amazon.com/Pasta-Cookbook-delicious-cookbook-spaghett...

Super Easy 3-Step Pasta Recipes: Latest Collection 0f Top 30 Easy, Fast, Simple & Super-Tasty Pasta Recipes
http://www.amazon.com/Super-Easy-3-Step-Pasta-Recipes-ebook/dp/B...

Tried Top Class 30 Italian One Dish Recipes: Latest Collection of Top 30 Tested, Proven, Most-Wanted Delicious, Super Easy And Quick Italian One Dish Meals For Every Single Person
http://www.amazon.com/Tried-Class-Italian-Dish-Recipes-ebook/dp/...

No-Knead Pizza Dough - Artisan Bread with Steve
http://www.amazon.com/No-Knead-Pizza-Dough-Artisan-Bread-ebook/d...

Pizza Cookbook: Easy Pizza Recipes To Impress Your Family
http://www.amazon.com/Pizza-Cookbook-Recipes-Impress-Family-eboo...

Totally Free Deals
Trudeau Bottle Opener & Cap Catcher - $8.97 at yugster
Added on : Tuesday February 11th 2014 06:00:04 AM
g: 0 Posted By: Ayla
Views: 109 Replies: 0 .

Trudeau Bottle Opener & Cap Catcher - $8.97 at yugster

Stores 30 Caps!



http://www.yugster.com/todays-deals/anything-goes




Retail Price: $19.99

Yugster Price $5.97


Shipping: $3.00


Comment from Yugster:
~~~~~~~~~~~~~~~~~~~~

If your college days are over and you're not in the mood to step on bottle caps after the big party then the Trudeau Bottle Opener and Cap Catcher is for you. Its stainless steel opener easily flips off soda and beer bottle caps then drops them into the container below, holding up to 30 caps at a time. It'll be the talk of the party. Well, your spinach dip will be the talk of the party, but the Trudeau Bottle Cap Catcher will be a close second. Excellent idea for outdoor gatherings and camping, so grow up and grab yours now!



Features:

Trudeau Bottle Cap Catcher, holds 30 bottle caps
Tip opens cans as well
Soft-touch removable base for easy disposal of the caps, heavy duty plastic and stainless steel construction
Easily stop the litter when camping or outdoors


Home & Garden Deals
g: 0 Posted By: remick
Views: 95 Replies: 0 http://www.amazon.com/Anatomy-Apple-Lessons-Steve-Taught-ebook/d...

Steve Jobs, a self taught college dropout, accomplished repeated business miracles. What did he do that MBA's, tech pundits and competitors repeatedly missed? Why are they in denial about it to this day?
90 days from bankruptcy, Apple welcomed home its founder in 1996. In just a few years, Steve Jobs accomplished the impossible - Apple was now a Trillion dollar juggernaut in Music, Books, SmartPhones, Tablets, Laptops and more. Learn the often overlooked, misunderstood or misrepresented lessons that made it all possible.

Meticulous myth-busting of major Technology history through surgical cross-examination!
Apple's tale of redemption and renewal powerfully conveyed through an engaging and unforgettable storytelling...
Fresh Business lessons about what it took for Apple to return from the brink of disaster from an experienced midwestern businessman!
˃˃˃ Anatomy of an Apple turns the abstract business concepts behind Apple's astounding comeback into easily digestible everyday business lessons.From start to finish, you will be treated to a feast of life changing anecdotes, piquant down and dirty myth-busting and utterly refreshing, setting-the-record-straight facts and figures. Anatomy of an Apple is an engaging and knowledgeable romp through technology history.

Anatomy of an Apple takes us on a thrilling journey through the highs and lows of Steve's fascinating life across several business eras, including Apple, NeXT, and Pixar.

˃˃˃ Anatomy of an Apple isn't another dispassionate attempt to examine Apple in the laboratory. We get right to the heart of the real people involved and discuss the real outcomes and motivations of their actions and decisions. We present our view of each lesson in whatever form that can most benefit people trying to be successful in life and business. Some chapters are vivid stories, some are detailed history lessons, and some are concise arguments against commonly held misconceptions.

˃˃˃ How these two entities, Steve the man, and Apple the company, healed each other. Ben Klaiber been a huge business fan of Steve Jobs for years. Steve's lessons helped keep him alive in both the literal and financial senses over the harshest years of his life. The lessons of Apple's comeback were invaluable to him, but the existing books just didn't convey the lessons he saw. After a decade of meticulous research, Ben decided to write a book on Steve's and Apple's comeback from his unique perspective.

In Anatomy of an Apple - The Lessons Steve Taught Us, we learn a very different story than the one told by the other books - how these two entities, Steve the man, and Apple the company, healed each other.
Totally Free Deals
g: 0 Posted By: remick
Views: 161 Replies: 0 SUNDAY SAUCE: When Italian-Americans Cook
http://www.amazon.com/SUNDAY-SAUCE-When-Italian-Americans-Cook-e...

"Come here kid, lem-me show you something. You never know when you're gonna have to cook for 20 guys some day." Pete Clemenza says to Michael Corleone (Al Pacino) in Francis Ford Coppola's The Godfather. it's one of the most famed movie scenes in history and of great importance to Italian-Americans. Clemenza is making "Gravy" aka Sunday Sauce, the Supreme Dish of Italian-America, and the dish that brings Italian Families together each and every Sunday. Learn How to Make Clemenza's Sunday Sauce, Meatballs, Pasta Fazool, Moma DiMaggio's Gravy, Goodfellas Sauce alla Prigione, and all of the great favorites of The Italian-American Table. Cook Sinatra's Spaghetti & Meatballs, Italian Wedding Soup and more, and delight in the many stories and factual information written by Italian Food & Wine Writer Daniel Bellino Zwicke. This book is filled with Joy & Love, and you will get many years of both, reading, cooking and eating the dishes of SUNDAY SAUCE "When Italian-Americans Cook"

Daniel Bellino Zwicke lives and works in New York City where he has been a Wine and Restaurant Professional for more than 20 years. Creator of Bar Cichetti "America's First Venetian Wine Bar" where Daniel was the Chef, Wine Director and Managing Partner. Attended New York Technical College, Daniel has authored; SUNDAY SAUCE "When Italian-Americans Cook" La TAVOLA, THE FEAST of THE 7 FISH "ITALIAN CHRISTMAS" and GOT ANY KAHLUA ? The Collected recipes of The Dude and is currently working on a new cookbook, yet to be named ... Daniel is one of America's Foremost Authorities of Italian Wine ...



Pasta Cookbook: 25+ delicious pasta recipes (pasta cookbook, pasta dishes, pasta recipes, pasta vegan,spaghetti recipes, lasagna recipes,pasta sauce)
http://www.amazon.com/Pasta-Cookbook-delicious-cookbook-spaghett...

Super Easy 3-Step Pasta Recipes: Latest Collection 0f Top 30 Easy, Fast, Simple & Super-Tasty Pasta Recipes
http://www.amazon.com/Super-Easy-3-Step-Pasta-Recipes-ebook/dp/B...

Tried Top Class 30 Italian One Dish Recipes: Latest Collection of Top 30 Tested, Proven, Most-Wanted Delicious, Super Easy And Quick Italian One Dish Meals For Every Single Person
http://www.amazon.com/Tried-Class-Italian-Dish-Recipes-ebook/dp/...

No-Knead Pizza Dough - Artisan Bread with Steve
http://www.amazon.com/No-Knead-Pizza-Dough-Artisan-Bread-ebook/d...

Pizza Cookbook: Easy Pizza Recipes To Impress Your Family
http://www.amazon.com/Pizza-Cookbook-Recipes-Impress-Family-eboo...

Totally Free Deals
How long is too long to live in your parents basement?
Added on : Tuesday February 04th 2014 05:00:12 PM
g: 0 Posted By: packers9626
Views: 54 Replies: 1 Banking about $1400 a month right now on average. All debt is paid off except $11,000 in student loans ($150 a month).

I have a younger brother who lives at the house anyways (he is in college) so its not like I am really burdening them. All I really cost them is a home cooked meal every day. I will obviously move on if there was a girl or some other compelling reason to get my own place. But there is not at this point. When do you think is the right time to move on? I just turned 27.
Personal Finance Deals
Sell or Keep this Rental Property
Added on : Monday February 03rd 2014 11:00:18 AM
g: 0 Posted By: callthedr
Views: 83 Replies: 4 I know there are similar threads to this but when it comes to deciding whether to keep or sell a rental property, I figure each situation is unique and I wanted to see what advice people had for this situation:

We bought a condo in 2001 for $170,000, which we lived in until 2007 when we moved to another house. We now owe around $224,000 (we took equity out of it in order to get a down payment on the house we currently live in). We just did a refi eight months ago for 15 years at 3.0% so we'll have it paid off in a little less than 15 years. However, we lose around $5,000 to $6,000 a year in cash flow (although that could be lowered a bit if we keep it since we'll be able to raise the rent as the current tenant is moving out and the rent is kind of low now). And that's with having the same good tenant in there for seven years now and never having to re-paint or find a new tenant, etc. and deal with those extra costs. They were only selling for around $260,000 a few years ago but now a few have sold in the $340,000 range or even higher. Ours is not fixed up as much as some of the condos in the complex so perhaps a $330,000 selling price might be a best guess. I figure that after a few fix-ups on the place, realtor commission, taxes, etc., we could maybe walk way with $30,000 or so in cash after it's all said and done.

Our income is steady and pretty decent so we are able to absorb the cash losses without much trouble but I'm not sure it's the best thing to have a negative cash flow for 14+ more years before finally paying it off and making money off the thing. We do pay off more than $1,000 of principal each month since our interest rate is low and it's a 15 year loan, so I guess technically we're coming out ahead each year as far as net worth goes but not cash-wise.

The condo is in a nice area of Southern California, about 4 miles from the beach, so it's an area where rents and prices of houses are likely to rise over the years.

Finally, I don't want to regret getting rid of it if it doesn't make financial sense. But I'm not too fond of being a landlord and if financially, either decision is justifiable, I'd rather just not have the headache of being a landlord and have the extra savings to pay off my wife's school debt, save for kids college, etc. Any advice that people have would be appreciated. We talked to a professional advisor that we trust. I think he kind of favored keeping it but he more or less said it comes down to the question of whether or not you want to be a landlord or not. He thought if we didn't want to be a landlord, it's fine to sell since he knows we'll do something useful with the money and not just waste it. Thanks.

Real Estate Deals
20% off entire purchase at Transit Tees
Added on : Saturday February 01st 2014 09:00:03 AM
g: 0 Posted By: Asucollege
Views: 199 Replies: 0 Nothing appealed to me but check it out for yourself.

(not sure if code is one time or not so good luck!)
20% off (expires 3/1/2014)

Link

Code: POLARVORTEX


Clothing Deals
Kiddie Tax???
Added on : Friday January 31st 2014 10:00:17 AM
g: 0 Posted By: roboian
Views: 197 Replies: 6 Hey, everyone. New(ish) member, long time reader. I've just started doing my 2013 tax return and was wondering how people feel about the kiddie tax (Form 8615). I understand that its purpose is to prevent parents from paying lower income taxes by putting investments in their children's names, but my case is a little bit different. I'm a 20 year old college student that did some of my own investments, and now appear to be required to pay tax on those investments at my parents (higher) tax rate. Some details:

20 year old, full time student
~2,000 in earned income (wages)
~2,500 in investment income (around $600 interest, the rest capital gains)
Claimed as a dependent on my parent's taxes

Does anyone know of any (legal) ways to get around this kiddie tax? The investments were my own and it seems as if my situation is a flaw in the system.
Tax Deals
Samsonite Over-the-Shoulder Laundry Bag - $11.98 shipped @ Tanga
Added on : Wednesday January 29th 2014 07:00:07 AM
g: 0 Posted By: ksenn
Views: 232 Replies: 0 Tanga has the Samsonite Over-the-Shoulder Laundry Bagfor $8.99 + 2.99 shipping = $11.98. Makes it easy to transport your dirty clothes to the laundry room. I would have loved to have this in college.

"This over the shoulder, durable, mold-resistant, water-repelling laundry bag is a great way to keep all of your laundry together on laundry day. Comes with a graciously sized hook-and-loop sealed front pocket and draw-cord closure."
Home & Garden Deals

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

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

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

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

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

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

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

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

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

I thank you all ahead of time for whatever advice you can give.
Personal Finance Deals
GF's Insurance gone & pregnant - what are options? (lapse in coverage)
Added on : Monday January 27th 2014 07:00:16 AM
g: 0 Posted By: Muscle
Views: 0 Replies: 0 I'll try to keep this short. My (now 6 month pregnant) GF graduated college this past December. She was incorrectly told that her college insurance would continue until June of this year, but today found out this morning that it in fact expired almost 2 weeks ago. So, she's without insurance at all. She's working part time in the service industry but that's going to come to a halt soon as the pregnancy progresses.

We've been exploring options since we found out this morning, but I need to know what I can do ASAP.

She's applying right now to see if she's eligible for Medicaid, but after a phone call with them they said it would take a packet in the mail, followed by her filling it out, sending it in, receiving another packet with healthcare options, and sending that in. All in all this could take 1-2 months, so what can be done in the interim? She's can't go 2 months without insurance. Looking at options through the ACA website too.

As for me, I'm on personal health insurance through Anthem, so maybe I can add her on there if that's quicker? Will she get covered for pregnancy expenses as this is a 'pre-existing condition'?

I'm just trying to figure out options on how to get her covered ASAP as we have other baby appointments coming up and because, well, it's dumb to go without insurance. Literally just found out this morning that we were given incorrect information about her school's insurance duration.

Lastly, will any of these applications retroactively pay for appointments or other issues that come up prior to actual coverage? I thought I read somewhere some places will back-pay up to 3 months or so. My biggest concern is the lapse in coverage.

Thanks for any help. Somewhat panicking right now.
Path to buying a house.
Added on : Saturday January 25th 2014 06:00:10 PM
g: 0 Posted By: e0zdk3sgna7l0
Views: 106 Replies: 0 I want to buy a house in the near future which I want to buy to rent out. To secure a downpayment quicker, should I pay my student loans off on a monthly basis even when I have the ability to pay all of it all at once. I would love any advice you guys might have about this or in general. fyi houses around the area I want to buy are about $450 starting.

A little about myself. I am 23 years old and just got out of college.I just started my job which pays me 100k/yr. I have around $10k in savings with another $8k after takes coming from my company in the form of a relocation stipend. I recently started a lease on an apartment which I will be paying $1k a month for my room and my roommate will be paying the rest. My car is totally paid for and I don't have any other monthly payments that I have to tend to or worry about. Credit karma is reporting my credit score in the 790s. The total debt on all my credit cards sit around $2k and i plan on paying all of them off when its closer to the due date. I have around $19k in student loans and the interest on them dont start for another month or two. (I'd get more info on my loans for you guys right now but the website is down.)

TLDR:
Salary: 100k/yr
Savings: 18k
Rent: 1k
Credit Score: ~790
Credit Card Debt: 2k (will be paid when due)
Real Estate Deals
How to save money and still live a little?
Added on : Saturday January 25th 2014 05:00:07 AM
g: 0 Posted By: brfitzp
Views: 31 Replies: 0 So i'm 22 years old just got out of college and got a decent job in my field making 55k/yr. I have about 5k in savings and no debt besides my car payment. I want to save for so many things it seems crazy to imagine how people pay for everything they do and still save money. I want to save for retirement, a house, and i'll probably want to have some kids in a couple of years as well. I want to save money in a place in which i can use it if needed like when it comes time to buy a new car or house but it seems like IRAs and 401ks make that process difficult and costly. I don't want to live my entire life pinching pennies, I want to live too buy new things every once in a while.

Any advice on savings accounts or funds i should look into?
also, I don't expect to make this much money forever, but realistically the most I could make maybe 10 years from now is 100k. I was looking at homes in my area just to get an idea and everything under 400k was like 1100 sq feet and looked like garbage, how are people affording these expensive homes when a mortgage payment would be over 2500 a month, this seems crazy to me. I'd need to put like 150k down to get reasonable payments, That would take me like 10 or 15 years to save for. I gotta be missing something here.
Personal Finance Deals
Free Kindle Book (Christian)- Gifts of Gold (was $10.99)
Added on : Friday January 24th 2014 05:00:08 AM
g: 0 Posted By: remick
Views: 90 Replies: 0 Gifts of Gold (Apples of Gold Series)

http://www.amazon.com/Gifts-Gold-Apples-Betty-Huizenga-ebook/dp/...
4.4 out of 5 stars (5 customer reviews)Betty Huizenga, author and founder of Apples of Gold, says Mentoring is really nurturingsharing ideas from life lessons and passing on wisdom, ideas, and truth from God from one generation to the next. It is a forgotten artone that we have neglected and, in the process, we have lost the joy and sheer fun of days gone by.At the heart of Apples of Gold is the desire to touch the lives of women, young and old, by reviving the art of older women nurturing younger women. InGifts of Gold, Betty encourages and instructs the wonderful golden women who have answered Gods call to be mentors. Wondering if you were meant to mentor? Answer these questions for yourself: Can you be a friend?
Can you listen?
Can you share what Christ has done in your life?
Do you care about the needs of other women?
Do you have a tender heart toward God and others?



Also free today is:

Who is Jesus . . . Really?: A Dialogue on God, Man, and Grace (The Coffee House Chronicles)
http://www.amazon.com/Who-Jesus-Really-Dialogue-Chronicles-ebook...

4.9 out of 5 stars (14 customer reviews)

With over 40 million books sold, bestselling author Josh McDowell isno stranger to creatively presenting biblical truth. Now, partnering with fellowapologist Dave Sterrett, Josh introduces a new series targeted at the intersectionof story and truth.
InWho is Jesus, Really?: A Dialogue on God, Man, and Grace, the group ofstudents now meeting at the coffee house at a college town in Texas come face-to-facewith the implications of the person and works of Jesus Christ. Their questions andconversations lead them to creatively respond to a well-known Atheist about Jesus'claims and actions. The other two books in the series: Is the Bible True, Really?and Did the Resurrection Happen, Really? continue the unfolding story atthe college campus and the coffee house down the road.
Books Deals

Amazon Coupons
Elite Cuisine 2-in-1 Toaster & Coffee Maker - $12.97 + Free Pickup @ Meijer
Added on : Wednesday January 22nd 2014 11:00:03 AM
g: 0 Posted By: mmax
Views: 56 Replies: 0 This is a pretty quirky thing, a 2-in-1 coffee maker and toaster from Elite Cuisine. This Breakfast Station is on sale for only $12.97 and it has free store pickup as an option which is a bonus if you live by an meijer.
meijer said: Start your morning right with the Elite Cuisine 2-in-1 Breakfast Station that is perfect for those on the go mornings. Its space saving design makes it perfect for colleges, RVs, small apartments, or simply as a stylish addition to any home kitchen. The Elite Cuisine Breakfast Station features a cool touch body and two wide slots perfect for toasting bread, bagels, muffins and more. The built-in single serve coffee maker allows you to brew a fresh 8 oz cup of coffee and the indicator light lets you know when your coffee is ready to enjoy. It includes a removable easy to clean coffee filter and anti-slip rubber feet.

Deal URL:

http://www.meijer.com/s/elite-cuisine-2-in-1-breakfast-station-t...
Dog-E-Glow Fashion & NCAA Collars & Leashes - $14.99 @ woot!
Added on : Tuesday January 21st 2014 09:00:01 AM
g: 0 Posted By: slervik
Views: 21 Replies: 0 home woot! has the Dog-E-Glow Fashion & NCAA Collars & Leashes on sale for $14.99 w/ $5.00 shipping.

This would be a good idea if you walk your dog at night, or if your dog has a tendency to run.

Comes in assorted colors. Choose from classic dog themes or college based teams.



For price comparison, these are priced at $24.98 at Amazon.

LINK
Financial Advice After Insurance Settlement
Added on : Monday January 20th 2014 06:00:08 PM
g: 0 Posted By: tylerAlwaysAdvancing
Views: 83 Replies: 1 First off, thanks for taking the time to read this and respond with any advice. I am a 23 year old recent college graduate. I am engaged and work as a region rep for my fathers small business he started 14 years ago. I rent an apartment with hopes of buying a home in Summer 14.

Recently I was involved in an wheeler accident with zero fault on my part. I suffered back injuries, nothing major but still very much so significant. I am expecting anywhere from 300k-600k in a settlement. I have a top attorney doing his job, all the information has been provided its in their hands.

I am wanting advice on options for me and my soon to be family here in the near future. I have zero college loans or credit debt. I own my current car (after the accident took mine and left me with cash to buy another). I currently have no investments, savings, retirement funds or anything. I have roughly 10k in the bank and my fiance is a school teacher making a living while having no expenses all through hs/college/and young profession other than a car payment. (scholarship, no school debt) she has a nice sum in her bank. I will make around 50k this year and should increase 15-20% a year after that.

The #1 thing to do is purchase my first home. I believe it is in my best interest to purchase my home by paying cash without worrying about mortgages. My budget we will say is 250k.
After that I am running laps around my head trying to figure out what to do first; insurance, retirement, investments, kids college funds etc. and how much to really dive into that right away.

Obviously I need money set aside if my back injury takes a bad turn later down the road.. I will eventually own my fathers company and insurance won't be easy to come by (fiance dreams of stay a home mom) I want to be as prepared as possible going into this.

Any advice would be appreciated.
Personal Finance Deals
The Internship (DVD) - $2.99 @ Amazon (Prime)
Added on : Monday January 20th 2014 03:00:06 PM
g: 0 Posted By: heyyl0w
Views: 227 Replies: 0 Amazon has The Internshipon DVD for $2.99. Ships free with Prime.

"Vince Vaughn and Owen Wilson team up to crash the digital world in this laugh-out-loud buddy comedy you've been searching for! Trying to reboot their obsolete careers, old-school salesmen Billy (Vaughn) and Nick (Wilson) talk their way into an internship program at the state-of-the-art Google campus, vying for a handful of spots among tech-savvy college students who are half their age and twice as smart. The competition is fiercely funny as Billy and Nick break all the rules in a hilarious quest to land their dream jobs!"

Looking at reviews, it's clear that critics hate this movie. I thought it was pretty funny- albeit cornier than Iowa. For $3 you can see for yourself.
DVD Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 238 Replies: 0 http://www.amazon.com/dp/B00B85AD7G

from Publishers Weekly
Convicted serial bank robber Cooper steals the show in the road to redemption genre for 2009 with this gripping narrative about his slide from petty theft to hostage-taking bank heists. Shot down mid-robbery, captured and sentenced in 1982 to 99 years, the author takes readers into the prison with grotesque scenes of predators and brutality. In prison, Cooper reflects on the double life that led to his incarceration; he worked for a Christian college, but also robbed banks to medicate the loss of his wife. Finding freedom, even in lock down, and forgiveness for his crimes, including his disregard for God and his stepson, becomes a quest that will have readers hanging on till the end of this surprisingly well-narrated book. The power of God's love and of prayer for enemies leads to the transformation of an entire cell block from heinous rape and sex games to a place of peace and love of neighbor. This new voice will be a runaway favorite for fans of the redemption narrative. (Aug.)
Books Deals

Amazon Coupons
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
Thoughts on significant other staying in school for masters degree?
Added on : Saturday January 18th 2014 08:00:09 AM
g: 0 Posted By: NonReturnable
Views: 21 Replies: 0 My wife will be graduating from Penn State World Campus (online college, but same degree as if she went to Penn State in person) with a B.S. in Human Resources.

We have twin girls who turn 3 in March.

She is debating about staying in school for another 2-3 semesters to finish a Masters program in Human Resources / Employee Relations.

The cost would be about 20k, which would have to go on student loans.

Pros:
She would finish her Masters. She's worried if she stops now, she may not want to go back.
We wouldn't have to pay for a babysitter, she can do the degree online and stay home with the kids. When she graduates is about when the kids would be going into kindergarten, so daycare cost would go from $250 a week to $100-$150.
Better job prospects and more money when she graduates.
Kids have a mom at home, instead of spending all day at a daycare.

Cons:
More student loans.
She could potentially find a job where they pay for her degree, but it could be a long ways off, and she would have to work + go to school. Doing it without working means she could keep her GPA higher.
We stay a single income family. I have a very stable job with a well known company, and am not worried about a layoff. But, shit happens.

I don't believe we could pay for the school out of pocket, but I will be picking up book costs, etc. For her BS, books cost around $500 a semester, it hurt pretty bad.

What are your thoughts / opinions?
Do it now and get it out of the way and have a longer higher standard of living?
Or make due with the BS? She has friends with BS degrees that make as low as $15 an hour that are all suggesting she just get the masters over with because she could come out of it and land a job right out of school making 50-60k a year.

Personal Finance Deals
Free Kindle Book - Hocus Pocus by Kurt Vonnegut (was $8.99)
Added on : Saturday January 18th 2014 05:00:07 AM
g: 1 Posted By: remick
Views: 96 Replies: 0 http://www.amazon.com/gp/product/B005IHWCLA

Eugene Debs Hartke (named after the famous early 20th century Socialist working class leader) describes an odyssey from college professor to prison inmate to prison warden back again to prisoner in another of Vonnegut's bitter satirical explorations of how and where (and why) the American dream begins to die. Employing his characteristic narrative device--a retrospective diary in which the protagonist retraces his life at its end, a desperate and disconnected series of events here in Hocus Pocus show Vonnegut with his mask off and his rhetorical devices unshielded.

Debs (and Vonnegut) see academia just as imprisoning as the corrupt penal system and they regard politics as the furnishing and marketing of lies. Debs, already disillusioned by circumstance, quickly tracks his way toward resignation and then fury. As warden and prisoner, Debs (and the reader) come to understand that the roles are interchangeable; as a professor jailed for ""radical"" statements in the classroom reported by a reactionary student, he comes to see the folly of all regulation. The ""hocus pocus"" of the novel's title does not describe only the jolting reversals and seemingly motiveless circumstance which attend Debs' disillusion and suffering, but also describe the political, social, and economic system of a country built upon can't, and upon the franchising of lies.
Books & Magazines Deals
Free Reaction Cards ($10 on Amazon) - email
Added on : Friday January 17th 2014 02:00:05 PM
g: 0 Posted By: remick
Views: 81 Replies: 0 http://reactioncards.com/

emailcalisto.reaction@gmail.comwith your address and which card pack that you want. They do ask that you review them on Amazon http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Dtoys-a...after trying them out.


Parental Reaction LLC, doing business as Reaction Cards, was founded in 2012 by Eric Calisto and Chris Martin. The company was created after realizing that people were becoming too caught up in technology and forgetting to pay attention to the people around them. As a result, the company set out with a goal of bringing family and friends back together through unique conversation starters.Today, Reaction Cards has created a whole line of conversation starters.Reaction Cardshas 22 conversation starters with topics ranging from the 60′s through the 90′s decade editions, and educational conversation starters like Parental Reaction, Marital Reaction, Teen Reaction, and College Reaction. We also have a conversation starter, known as Political Reaction, which sparks a debate with unbiased questions on political subjects popular in todays political agendas. We offer another gift idea for grandma and grandpa with our unique Senior Reaction as well as many more subjects aimed at getting you to put the phone down to start an old fashioned conversation!
Toys, Games,& Collectibles Deals
*UPDATE* Official 2013 Tax Software / E-Filing Roundup Thread
Added on : Friday January 17th 2014 11:00:08 AM
g: 8 Posted By: slervik
Views: 797 Replies: 2 As we get closer and closer to the tax time, we're going to see a lot more deals on Tax Software & E-Filing coming in and out of the thread. I figured I would go ahead and try to round everything up in one post to make it easier for everyone to sort through. I've previously just gone to H&R Block and just had them do my taxes for me, but I believe this year I'm going to try and do this all on my own. Below are deals that I have found on Fatwallet and just looking around different sites. So any tips for me and anyone else who may just be starting up would be highly appreciated. Mods, feel free to sticky this, as I will be updating this thread as much as I can!

I did notice that Fat Wallet is currently doing a contest for the Turbo Tax Federal/ State Software Deluxe Edition. I'm going to provide the link to anyone else, besides myself, who wants to see if they could win it. Instructions for entry are posted lower on the page. Good luck! Fat Wallet Contest Link

*Please update the Quick Summary with any new tax software deals you come across or remove expired/ OOS ones. Thanks all for the help!


Tax Resource Threads:
2013 Free File Taxes Your AGI $58,000 or Less - Various Programs(Thanks to terriprg)
Turbo Tax's Software Download on KingDeals4U Appears to be Scam(Thanks to tracksupr)
FAFSA Tax Input for College Students for 2014-2015 School Year(Thanks to Wizard83)
Tax Deductibles Volunteering Vacations(Thanks to mooingmooseman)


Turbo Tax Deals:
Free Federal Filing: Intuit TurboTax Freedom Edition(Thanks to terriprg)
Free Access to Turbo Tax 2013 Preparation for State Farm Customers(Thanks to CSREwallet)
Win A Deluxe Edition of Turbo Tax's Federal/State Software(Thanks to akmckenna)
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)
Costco: $10 Off Online or B&M(Thanks to SlimTim)
Amazon: Turbo Tax Deluxe Federal + EFile + State - $40 w/ FS for Amazon Prime(Thanks to johnny98)
Amazon: 10% Gift Card Using Refund(Thanks to xelint)
Amazon: $10 Off Home & Business w/ Prime(Thanks to Rookie 555)

H&R Block Deals:
Free Federal Edition Tax Filing(Thanks to terriprg)
State Tax Filing for Non Qualifying Customers - $14.99
Simple Tax Basic Edition - $19.99
Investors/ Homeowners Deluxe Edition - $29.99
Amazon: $24.99 - $64.99

Quicken Deals:
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)

Multiple Deals:
Office Depot FAR Software & Tax Software Purchase Rebates for 2014(Thanks to bpvh)
Amazon: Save Up to $25 on Tax Software & Norton Bundles

Tax Software Deals

Amazon Coupons
Official 2013 Tax Software / E-Filing Roundup Thread
Added on : Friday January 17th 2014 10:00:09 AM
g: 7 Posted By: slervik
Views: 429 Replies: 2 As we get closer and closer to the tax time, we're going to see a lot more deals on Tax Software & E-Filing coming in and out of the thread. I figured I would go ahead and try to round everything up in one post to make it easier for everyone to sort through. I've previously just gone to H&R Block and just had them do my taxes for me, but I believe this year I'm going to try and do this all on my own. Below are deals that I have found on Fatwallet and just looking around different sites. So any tips for me and anyone else who may just be starting up would be highly appreciated. I will be updating this thread as much as I can!

I did notice that Fat Wallet is currently doing a contest for the Turbo Tax Federal/ State Software Deluxe Edition. I'm going to provide the link to anyone else, besides myself, who wants to see if they could win it. Instructions for entry are posted lower on the page. Good luck! Fat Wallet Contest Link

*Please update the Quick Summary with any new tax software deals you come across or remove expired/ OOS ones. Thanks all for the help!


Tax Resource Threads:
2013 Free File Taxes Your AGI $58,000 or Less - Various Programs(Thanks to terriprg)
Turbo Tax's Software Download on KingDeals4U Appears to be Scam(Thanks to tracksupr)
FAFSA Tax Input for College Students for 2014-2015 School Year(Thanks to Wizard83)
Tax Deductibles Volunteering Vacations(Thanks to mooingmooseman)


Turbo Tax Deals:
Free Federal Filing: Intuit TurboTax Freedom Edition(Thanks to terriprg)
Free Access to Turbo Tax 2013 Preparation for State Farm Customers(Thanks to CSREwallet)
Win A Deluxe Edition of Turbo Tax's Federal/State Software(Thanks to akmckenna)
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)
Costco: $10 Off Online or B&M(Thanks to SlimTim)
Amazon: Turbo Tax Deluxe Federal + EFile + State - $40 w/ FS for Amazon Prime(Thanks to johnny98)
Amazon: 10% Gift Card Using Refund(Thanks to xelint)
Amazon: $10 Off Home & Business w/ Prime(Thanks to Rookie 555)

H&R Block Deals:
Free Federal Edition Tax Filing(Thanks to terriprg)
State Tax Filing for Non Qualifying Customers - $14.99
Simple Tax Basic Edition - $19.99
Investors/ Homeowners Deluxe Edition - $29.99
Amazon: $24.99 - $64.99

Quicken Deals:
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)

Multiple Deals:
Office Depot FAR Software & Tax Software Purchase Rebates for 2014(Thanks to bpvh)
Amazon: Save Up to $25 on Tax Software & Norton Bundles

Tax Software Deals

Amazon Coupons
FAFSA - Go ahead and File with Estimated Taxes
Added on : Sunday January 12th 2014 01:00:05 PM
g: 0 Posted By: Wizard83
Views: 0 Replies: 0 Just a heads up to all the folks out there with Children who will be in College for the 2014-2015 School Year.

Go ahead and file your FAFSA now using estimated Tax info from last year.

I filed for both of my kids today.

You can go back and correct it when you get -your taxes done.

If your think your child might qualify for any Grants, etc be sure to file early because these typically all get awarded early.

File at fafsa.gov be warned that there are a lot of other sites out there with FAFSA trying to get your attention and money, but go to the fafsa.gov site and file for free.

Cheers and Good Luck


$3000 GM credit card dollars..........worth looking at a lease?
Added on : Wednesday January 08th 2014 01:00:07 PM
g: 0 Posted By: Rambler
Views: 129 Replies: 1 I used to have a GM Card which gave points/dollars to be redeemed for car purchase or lease. Haven't used it in years, but it had $500 or so on it. They just sent a flyer saying they topped it off to $3k. Woo hoo.

Not in the market for a new car (3 kids in college) ..........but hey, if this would mean a cheap lease is possible, I may consider it. Last time I even thought about a lease it seemed to be so high priced and with so many bogus fees I ran like hell.

Assuming they do 24 month leases, it would be like knocking $125/month off the price.........what do you folks think, is this worth pursuing? Thanks.
Personal Finance Deals
Social Security Assigned Same SSN to two people
Added on : Tuesday January 07th 2014 06:00:18 AM
g: 0 Posted By: mamamouse
Views: 21 Replies: 0 Husband was born in Jacksonville, FL in 1985. Another man with same first and last name, born on same day in Miami, FL. When husband was five his parents found out that the Same SSN was issues to both boys. SSA told my in-laws to keep SSN and assigned other guy a new one. When the other man turned 18, he started using my husbands SSN for everything and racked up tens of thousands in debt. We have worked for years on it to no avail. Went to pull credit report today and we can't answer verification questions correctly (because its not his info being asked about...) so can't pull report. Where in the world do we start??? Appears based on verification questions that the other Aaron opened a mortgage 2 months ago using my husbands SSN. We are at a loss, no money or a lawyer, and desperate to get this rectified so we can move on with our lives. Can't get a house or a car. Husband graduates college in 9 months and I'm terrified this will effect him finding a job. We have filed with police, alerted credit bureaus, and made a complaint with the FTC yet nothing had helped and he is still using my husbands SSN. What would you do?
Personal Finance Deals
RadioShack $5-$25 Giftcard for Trade In on Old Consumer Electronics
Added on : Monday January 06th 2014 03:00:03 PM
g: 0 Posted By: tommythe
Views: 272 Replies: 2 ~~ RadioShack has a promotion starting 1/5/2014 that will give customers a $5 gift card for each consumer electronic device they trade in up to $25 total. This promotion lasts until 2/28/14 FYI if using your gift card to make a purchase, bring in a valid college ID or former/active military ID and get 10% off most products in the store.I.E.Trade in 1 qualifying item, get $5 gift card
Trade in 2 qualifying items, get $10 gift card
Trade in 3 qualifying items, get a $15 gift card
Trade in 4 qualifying items, get a $20 gift card
Trade in 5 qualifying items, get a $25 gift cardRULES:
1) Item must be in working condition
2) Customer must present drivers license and store must participate in RadioShack trade and save program
3) Customer must process all applicable trades at one time. Customers cannot trade in one device at store A and then trade in three additional devices at store B.
4) Customers will receive credit off their purchase or a RadioShack gift card, whichever they device.
5) Customers cannot process over five items per drivers license(Not sure how we are tracking that?)
This is a slick way to get rid of old cell phones, headphones, video games and other things that clutter up your house.
Electronics Deals

RadioShack Coupons
New York Italian courses discounts
Added on : Saturday January 04th 2014 07:00:03 AM
g: 0 Posted By: amihe
Views: 113 Replies: 0 Parliamo Italiano(Hunter college) in New York has discount for 3 courses(any of Elementary, Intermediate, Advanced):Special Promotion:Register for any 3 evening classes for only $950 or any 3 daytime classes for $1050!

Broshure
Restaurants & Entertainment 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
Get a parent loan or stop maxing out 401K?
Added on : Thursday January 02nd 2014 05:00:14 PM
g: 0 Posted By: helloagain
Views: 72 Replies: 4 My son is going to college this fall and the estimated family contribution is over $40K. My wife and I are currently max out on our 401K ($17.5K each). I do not see how I can afford $40+K per year without either getting a Federal parent loan or stop maxing out the 401K. Any recommendations?
Personal Finance Deals
Maxing out retirement - what to do next?
Added on : Thursday January 02nd 2014 03:00:07 PM
g: 0 Posted By: CaptainHuey
Views: 200 Replies: 5 My wife and I are fortunate enough to be able to max out our 401k's and Roth IRA's (viayearlybackdoor conversions). With my 401k match, we put away ~$50k in 2013 towards retirement and we are in our mid/late 30's. We have been doing this level of maxing-out for close to a decade (at whatever the limits were), so our combined retirement balance is pretty good given our age.

We also own a nice home in a pricey area where we have 30%+ equity and it is being financed over 15 years at 3% fixed. The house should be paid off when our oldest child is of college age and our average age would be ~50. I think that we should have a very comfortable retirement with 10-12k/month, and I think we are on track for that (especially if the massive mortgage payment goes away ~15 years prior to retirement).

All that said, we have a few tens of thousands in savings not earning much and with the prospect of padding on to that with additional savings from leftover funds, the question is, what to do with the money?

-Munis? Seems like relatively low yield and ties the money up.
-Taxable investment account? Probably will go this route and buy index funds.
-Rental property? I am VERY handy, but I live around a pricey area, so it is not so easy to find a rental property that seems like a "slam-dunk" investment. Example: The best I've found is a 4-unit (all 1BR/1BA units) in average shape & location selling for over 500k with a profit of 39k/year assuming all four units are rented. I then have to pay the mortgage from that - figure ~30k/year (20% down) for a net profit of around 10k/year. Nothing else comes close.
-Buy small business and have someone run it? Could be profitable if properly vetted but always risky to have someone else run it.

Thoughts on what to do or anything else I mentioned?

Investing Deals
Hire your kids in your business for their IRA contribution
Added on : Tuesday December 31st 2013 12:00:08 PM
g: 0 Posted By: VAIndigo
Views: 154 Replies: 7 Came across this article and am surprised if it is that simple? Sounds very good to me and just wonder if there is any catch..

Having a one person S-Corp (IT Consulting) and two kids (10 and 5) can this be done? any success stories and pointers that need to be aware of ..
Any tips on what i can hire them for?

My objective is to fund their college into their Roth instead of 529 and disburse tax free ..what am i missing

http://beginnersinvest.about.com/od/rothira/a/Opening-A-Roth-IRA-For-Kids-Can-Help-Your-Children-Build-Serious-Wealth.htm
Discussion Deals
g: 1 Posted By: BigBoyMichigan
Views: 420 Replies: 0 Programs varies per location, website and offer. Please read website for details.


WASHINGTON DC METRO AREA -http://www.wrap.org/soberride/

WRAP's 2013 Holiday SoberRide program will be offered from 10:00 p.m. to 6:00 a.m. nightly from December 13, 2013 to January 1, 2014. To receive a FREE cab ride home (up to a $30.00 fare), please call 800-200-8294 (TAXI). AT&T customers may dial #WRAP from their wireless phones. Please refer to the SoberRide information listed below for important details concerning this program. You must be 21 or older to use the SoberRide service

Important note: All requests for SoberRide service must be called to and dispatched from 1-800-200-8294. Do not call a taxi company directly for SoberRide service as the ride will not be covered under this program.GeneralSoberRideInformationWRAP's SoberRide , called one of the nation's most successful free cab ride programs for would-be impaired drivers, has helped to ensure greater Washington, DC residents have a safe way home on high-risk holidays. Since 1993, WRAP has provided over58,576safe rides home.Currently,SoberRideoperates during the December/January holiday season, St. Patrick's Day, Independence Day and Halloween.WRAP'sSoberRideprovides a free cab ride home up to a $30 fare.

Callers are financially responsible for anything over $30.You must be 21 or older to use theSoberRideservice.All calls must originate in Montgomery and Prince George's Counties in Maryland; the Cities of Rockville, Bowie, College Park, Gaithersburg, Greenbelt and Takoma Park in Maryland; the District of Columbia; Arlington, Fairfax, Prince William and Eastern Loudoun Counties in Virginia; and the Cities of Alexandria, Falls Church, Fairfax, Manassas and Manassas Park in Virginia.You cannot reserve aSoberRideor schedule a pickup in advance.To receive a ride, you must call 1-800-200-8294 (TAXI) during the program hours. ASoberRidecall operator will direct your request to the correct participating cab company.

Participating Taxi Companies:
■Alexandria Yellow Cab (Alexandria)
■Barwood, Inc. (Montgomery County)
■Fairfax Yellow Cab (Fairfax County)
■Loudoun Yellow Cab (Eastern Loudoun County)
■Manassas Cab Company (Prince William County)
■Red Top Cab Company (Arlington County)
■Silver Cab of Prince George's County (Prince George's County)
■Yellow Cab of District of Columbia (District of Columbia)
■Yellow Cab of Prince William County (Prince William County)

When waiting for a SoberRide, please watch for a cab from the participating taxi company in the area from which you are calling.


CAB FARE
$00.00 - $30.00........Free Cab Ride
$30.01+....................Driver deducts $30.00 from Fare anything remaining you pay out of pocket + Tip.



WASHINGTON D.C. METRO AREA

==========================================================================================================

San Francisco Metro Area, California -
http://sf.funcheap.com/free-cab-rides-home-years-eve/
Safe and Sober Free Cab Ride HomeProgram
New Years Eve 2014
Berg Injury Lawyers offer free cab rides home only in SF and Sacramento, typically from 10 pm on Tuesday December 31, 2013 through 4 am on Wednesday, January 1, 2014.

San Francisco(within city limits),call Luxor Cab at (415) 282-4141.Tell themBerg Injury Lawyers is picking up the tab($35 Limit)
In Sacramento, call Yellow Cab Company of Sacramento at (916) 444-2222.Tell themBerg Injury Lawyers is picking up the tab($35 Limit)

EAST BAY UPDATE:Unfortunately the Safe and Sober Free Cab program isnot valid in the East Bay. You can still tryAAAs Tipsy Tow, theDowntown Oakland Free B Busand check outFuncheaps NYE public transport guide.Stay safe and please dont drink and drive.
Free Cab Tips:
■Onlyvalid for called cabs, not if you hail one in the street
■Be patient when calling it may be tough to get through over the phone
■Cabs will take you homefrom a bar, restaurant or club(not from house parties andnot to other bars)
■Dont forget to tell driver Berg Injury Lawyers is picking up the tab
■The first $35.00 of the fare will be covered, you must cover the rest.
■Free cab rides offered on December 31, 2013 from:10:00 PM - 3:00 AM.
■Dont forget to tiplike a rockstarCab rides are made available to area residents who otherwise might attempt to drive home after drinking. Rides are provided from bars & restaurants (NOT from house parties) to an individuals residence and NOTto other drinking locations.

San Francisco /Sacramento Metro Area, California -
===========================================================================================
Other Free, Reimbursement or Discount Cab Fare Offers
■Charlottesville, VA..............................Free Fare
■Corpus Christi, TX..............................Free Fare
■ Salt Lake City, UT...............................Up To $35.00 Reimbursement
■ Homer, AK............................................Free Fare
■ Hancock / Houghton, MI...................Free Fare
■ Storm Lake, Iowa...............................Discounted Fare




Services Deals
g: 0 Posted By: BigBoyMichigan
Views: 255 Replies: 0 Programs varies per location, website. Read website for details.


WASHINGTON DC METRO AREA -http://www.wrap.org/soberride/

WRAP's 2013 Holiday SoberRide program will be offered from 10:00 p.m. to 6:00 a.m. nightly from December 13, 2013 to January 1, 2014. To receive a FREE cab ride home (up to a $30.00 fare), please call 800-200-8294 (TAXI). AT&T customers may dial #WRAP from their wireless phones. Please refer to the SoberRide information listed below for important details concerning this program. You must be 21 or older to use the SoberRide service

Important note: All requests for SoberRide service must be called to and dispatched from 1-800-200-8294. Do not call a taxi company directly for SoberRide service as the ride will not be covered under this program.GeneralSoberRideInformationWRAP's SoberRide , called one of the nation's most successful free cab ride programs for would-be impaired drivers, has helped to ensure greater Washington, DC residents have a safe way home on high-risk holidays. Since 1993, WRAP has provided over58,576safe rides home.Currently,SoberRideoperates during the December/January holiday season, St. Patrick's Day, Independence Day and Halloween.WRAP'sSoberRideprovides a free cab ride home up to a $30 fare.

Callers are financially responsible for anything over $30.You must be 21 or older to use theSoberRideservice.All calls must originate in Montgomery and Prince George's Counties in Maryland; the Cities of Rockville, Bowie, College Park, Gaithersburg, Greenbelt and Takoma Park in Maryland; the District of Columbia; Arlington, Fairfax, Prince William and Eastern Loudoun Counties in Virginia; and the Cities of Alexandria, Falls Church, Fairfax, Manassas and Manassas Park in Virginia.You cannot reserve aSoberRideor schedule a pickup in advance.To receive a ride, you must call 1-800-200-8294 (TAXI) during the program hours. ASoberRidecall operator will direct your request to the correct participating cab company.

Participating Taxi Companies:
■Alexandria Yellow Cab (Alexandria)
■Barwood, Inc. (Montgomery County)
■Fairfax Yellow Cab (Fairfax County)
■Loudoun Yellow Cab (Eastern Loudoun County)
■Manassas Cab Company (Prince William County)
■Red Top Cab Company (Arlington County)
■Silver Cab of Prince George's County (Prince George's County)
■Yellow Cab of District of Columbia (District of Columbia)
■Yellow Cab of Prince William County (Prince William County)

When waiting for a SoberRide, please watch for a cab from the participating taxi company in the area from which you are calling.


CAB FARE
$00.00 - $30.00........Free Cab Ride
$30.01+....................Driver deducts $30.00 from Fare anything remaining you pay out of pocket + Tip.



WASHINGTON D.C. METRO AREA

==========================================================================================================

San Francisco Metro Area, California -
http://sf.funcheap.com/free-cab-rides-home-years-eve/
Safe and Sober Free Cab Ride HomeProgram
New Years Eve 2014
Berg Injury Lawyers offer free cab rides home only in SF and Sacramento, typically from 10 pm on Tuesday December 31, 2013 through 4 am on Wednesday, January 1, 2014.

San Francisco(within city limits),call Luxor Cab at (415) 282-4141.Tell themBerg Injury Lawyers is picking up the tab($35 Limit)
In Sacramento, call Yellow Cab Company of Sacramento at (916) 444-2222.Tell themBerg Injury Lawyers is picking up the tab($35 Limit)

EAST BAY UPDATE:Unfortunately the Safe and Sober Free Cab program isnot valid in the East Bay. You can still tryAAAs Tipsy Tow, theDowntown Oakland Free B Busand check outFuncheaps NYE public transport guide.Stay safe and please dont drink and drive.
Free Cab Tips:
■Onlyvalid for called cabs, not if you hail one in the street
■Be patient when calling it may be tough to get through over the phone
■Cabs will take you homefrom a bar, restaurant or club(not from house parties andnot to other bars)
■Dont forget to tell driver Berg Injury Lawyers is picking up the tab
■The first $35.00 of the fare will be covered, you must cover the rest.
■Free cab rides offered on December 31, 2013 from:10:00 PM - 3:00 AM.
■Dont forget to tiplike a rockstarCab rides are made available to area residents who otherwise might attempt to drive home after drinking. Rides are provided from bars & restaurants (NOT from house parties) to an individuals residence and NOTto other drinking locations.

San Francisco /Sacramento Metro Area, California -
===========================================================================================
Other Free Cab Fare Offers
=14pxCharlottesville, VA




Services Deals
$170k income, but 21yo and self-employed. How can I get a mortgage?
Added on : Sunday December 22nd 2013 12:00:05 PM
g: 1 Posted By: younginquisitive
Views: 152 Replies: 4 I started an online business several years back selling clothes, screenprinted graphic shirts and the like. I've never had a traditional job. Things are going steadily. I've been living in an apartment costing $1,000/month for the last year and a half and feel like I'm ready for a house (or townhome), in part because I need the extra space. In this area, most of the ones that I was looking at were around the $300k range, which would mean a mortgage of around $1,500-$1,800 a month. I've been reading the forum extensively, but I feel like my age and self-employed status makes for a trickier case than most of what I've read.

Any information on whether I could be approved for a mortgage/what I would need to do to ready my accounts for the underwriting process would be greatly appreciated.

Here's any information I think could be relevant:

2011 income was $45k, 2012 income was $170k, 2013 income looks like it will end up about $200k
I have $80k in savings and $80k in stocks that could be quickly liquidated
No one can co-sign for me, my family all has terrible credit
I have four personal credit cards and two business ones, all paid in full every month
My oldest account is 2 yrs 7 months old, the average account age is 1 yr 3 months.
No debt at all, car was paid for in full, never went to college
CreditKarma score of 758

Any other information you might need, let me know. Getting a house has been the smart choice for a while now and I'd like to move forward with this in the near future. Even if I don't know what I'm doing yet, I thought it was time to come forward so that I at least knew the right resources to seek or the right questions to be asking.

Thank you for your time.
Real Estate Deals
Save up to $400/year per child on your taxes with a custodial account
Added on : Sunday December 22nd 2013 04:00:10 AM
g: 0 Posted By: tarcapone
Views: 0 Replies: 0 It's been written about on FWF before ( http://www.fullofdeals.com/forums/finance/955610/ ), but it's been a while. It's also been a while since we've had significant appreciated stock (at least for me). Here's the basic concept:

You can gift up to $13K per year to your child (so can your wife/husband)
This gift can be the current value of appreciated stock
When your child sells stock, the first $1,000 per year (amount occasionally increases) is tax free and the next $1,000 is taxed at their rate. Any income over $2,000 is taxed at the parents rate. I always avoid this because it complicates your taxes.
The gift is an irrevocable gift to your child. However, you can take the money out to use for the child's benefit. I take it out in a lump sum. I know that I spend enough on the kids to cover this, but don't track it. It is somewhat loosely defined by the IRS. You could probably argue that a portion of your mortgage is for the child's benefit, but certainly camps, vacations, tuition, clothes, toys, etc.

I've found the most effective way to maximize these benefits is to gift appreciated stock with the highest appreciation percentage to my child. I estimate how many shares are needed to reach the $2,000 gain and transfer the shares from my Fidelity account to theirs (very easy on the Fidelity site, don't know about other brokers). I then sell once the transfer is completed (takes a couple days).

When my children were younger, I gave them a large block of appreciated stock that they sold over the years to hit that $2,000 threshold (was lower back then). I would plan so that the dividends plus gains would reach the Target.

Two caveats that Mimi6789 points out in the post linked above are "If your kids are close to college age, you have to keep in mind that those are your child's accounts and are counted as their assets for FAFSA calculation. Also, if you gift stock to your child and the stock tanks, you cannot transfer the stock back to you to harvest the tax loss." Also, keep in mind you'll have to file tax returns for your kids each year. These are pretty simple returns and after the first year, only take a couple of minutes.

It is a bit of work, but can save $300-$400/year per child in taxes. Worth my time.

Tax Deals
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/Bargain-Plain-City-Peace-ebook/dp/B00FFBG1PM

4.3 out of 5 stars (34 customer reviews)

Its 1971, and Betsie Troyers peaceful and predictable life is about to become anything but.
When their parents flee the Amish, nineteen-year-old Betsie and her seventeen-year-old sister Sadie are distraught. Under the dubious guidance of a doting aunt, the girls struggle to keep the secret, praying their parents will return before anyone learns the trutha truth that may end all hopes of Betsies marriage to Charley Yoder.

Worse still, Betsie must learn a trade while she boards with a dysfunctional Englisher family: Sheila, a twelve-year-old desperately searching for a friend and in dire need of her mother; the free-spirited mother, who runs off to "find herself" on the stage; the angry father whose structured life crumbles; and Michael, a troubled college dropout nearly killed in the Kent State Massacre.

Thrust into the English world, Betsie must grapple with the realities of war and miniskirts, pot parties and police brutality, protests and desertion. Can she help the Sullivan family and find peace in her new surroundings, or must she forget the bargain she made and seek refuge back in Plain City with protective and reliable Charley?
Books Deals

Amazon Coupons
Rockland Luggage Four-Piece Luggage Set (Pink Giraffe) $79.99
Added on : Wednesday December 18th 2013 02:00:03 PM
g: 0 Posted By: MelissaB
Views: 81 Replies: 0 at Amazon.(Price drop)
I've taken the luggage on several trips and sent it with my daughter to college and it has held up well and is easy to spot on the luggage carousel..
Luggage Deals

Amazon Coupons
Are use taxes unconstitutional?
Added on : Wednesday December 18th 2013 01:00:13 PM
g: -1 Posted By: Matrim33
Views: 190 Replies: 2 I studied business law back in college. As I remember the constitution says that states cannot interfere with interstate commerce. That is why you do not pay taxes on out of state online purchases. But my accountant is telling me I have to pay a "use tax" on out of state purchases my business made for office supplies. You can find the rules about Washington State's use tax here:

http://dor.wa.gov/content/getaformorpublication/publicationbysub...

That use tax hinders interstate commerce. It is called a use tax, but in essence it is a sales tax. Thoughts?

Tax Deals
Investing for a new child
Added on : Monday December 16th 2013 02:00:08 AM
g: 0 Posted By: jhall1822
Views: 57 Replies: 2 Our 3 month old son just received a few hundred bucks for his baptism and I'm assuming he could possibly get more money around the holidays. We're trying to figure out the best approach for investing money for him. This would also include money on a monthly basis from his mother and I.

I have already started a 529A for him but we don't want to put too much money over an 18 year span into a 529A in case he gets scholarships, doesn't go to college etc. Is our best approach to put some in a 529A and the rest into another account with stocks/indexes?

Thanks!
Question Deals
Request for career advice (Update 2)
Added on : Saturday December 14th 2013 02:00:05 PM
g: 0 Posted By: puddonhead
Views: 123 Replies: 0 Okie doe... It's one year since I hadlast posted on this topic. I'm giving a mid-course update - partly to chronicle what's happened and partly to request for any helpful suggestions/advice anyone can offer.

Previous topic #1: Request for career advice
Previous topic #2: Request for career advice (Update ...)

Recap:
1. Wifey was a stay-at-home mom, looking to get back to work after minding the kids for 6 years. This was circa 2011.
2. She had a liberal arts background, with an MA in English Literature.
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). She started taking courses in the community college towards to meet pre-requisites as advised by the local teaching college advisoron Jan-12 (Undergrad Spring semester).
4. Some of the pre-requisites included math and science. She did pretty well in those - well enough to be appointed as a "peer tutor" of mathematics in the CC getting paid $9/hr.
5. One semester of peer tutoring later - she has now completed Pre-Calc and started Calculus I. She got an offer to join as an "EA" at the same CC - doing the same job as a peer-tutor, but getting paid $24/hour instead.
6. By this time her goals have completely changed. From elementary teacher, she initially wanted to become a math teacher, and eventually veered into Computer Science.
7. After doing some leg-work, she gets admission into the MS program in Computer Science in one of the local universities. Because of her (lack of) background - she has to take 6 additional, undergrad level courses as compared to a normal MS student.

Since Then:
1. She has completed the Calculus Series of mathematics (I, II, and III). With A's in everything but Calc.-II, where she got a B.
2. She has taken 4 of the 6 required pre-requisite CS Undergrad courses: Programming I (she got an A), Programming II (B), Data Structures (grades not out yet: possibly a B+ or A-), Computer Architecture (grades not out yet: but almost certainly anA).
3. She still needs to take Algorithms and Operating Systems as the undergrad core courses - in addition to the graduate courses for her degree.

Plan:
1. At the time of last posting - she was not sure if she will pursue an academic career or a job-oriented one. This has now been clarified - she will complete the MS degree and start a job ASAP.
2. If everything goes according to plan - she should be able to complete all the courses required for MS sometime in the middle of 2015.
3. The goal is to prepare for, and get a Java Certification (associate - to start with) during the summer break of 2014.

Other considerations:
1. Consequent to her goal clarification (i.e. going for job, not academics)- some of the earlier course plans have changed. She had earlier planned to take some intermediate level math courses (e.g. Diff. Eq., Linear Algebra, Discrete Math etc.). Only Discrete is still in the course plan. Also jettisoned are some of the theoretical CS courses like the "Computation Theory", "Theory of Programming Languages" - in preference of courses that have more practical applications.
2. Once she completes the MS and starts a job- she will re-evaluate if it makes sense to change course (perhaps a part time PhD, or try to find any academic position etc)..

Some of the suggestions (and even negative... errr... constructive) feedback in the earlier threads were helpful. Any suggestions?
Question Deals
Barnes and Noble 25% off F&F
Added on : Thursday December 12th 2013 07:00:03 AM
g: 0 Posted By: rockymast
Views: 273 Replies: 0 Barnes and Noble 25% off F&FEnter code FRIENDNFAM

barnesandnoble.com
For each customer, this coupon can be redeemed once at any Barnes & Noble retail store and once per billing address online at BN.com.

This coupon is valid at BN.com from December 12, 2013 at 12:01am to December 16, 2013 at 2:59am Eastern Time, and at Barnes & Noble stores from December 12, 2013 to December 15, 2013 at close of business.

The 25% discount will be applied to the most expensive eligible item in the order - not the entire purchase - and will be deducted after all other eligible discounts, including (if applicable) the standard Member discount, are applied.

Additional Rules Governing Use of this Coupon: This coupon is (i) not redeemable for cash or cash equivalents (including Gift Cards and eGift Cards); (ii) not valid on past purchases; (iii) not eligible for purchases of the following products and services: Barnes & Noble Memberships, Gift Cards, eGift Cards, gift-wrapping, textbooks, digital content (including but not limited to NOOK Books(TM), NOOK Magazines(TM), NOOK Newspapers, and NOOK Periodicals), NOOK� devices, NOOK accessories that are already discounted, other hardware and electronics, software, products available for pre-order, products from the Rosetta Stone Series, LEGO� Architecture Studio, LEGO� Mindstorms EV3, VTech Innopad Interactive Learning Tablets, and LeapFrog LeapPad Ultra Kids' Learning Tablets, in-store purchases of Print Magazines, or products marked as not eligible for "coupons or promotional discounts," (iv) not valid on purchases made from third parties accessible from the BN.COM website (e.g., used books, etc.); (v) not valid on applicable sales tax or shipping or handling expenses; (vi) may not be combined with any other coupon or promotional discount; and (vii) may not be combined with the Educator program discount. This coupon is not valid at Barnes & Noble College bookstores or websites. Barnes & Noble is not responsible for typographical or pictorial errors.
Books & Magazines Deals
20% off Friends and Family code for many college book stores online and B&M
Added on : Wednesday December 11th 2013 05:00:06 PM
g: 0 Posted By: Saver
Views: 340 Replies: 0 Here is a link to a friends and family code for college book stores. I didn't find my school, but found a lot of others. The code does not work on textbooks and technology items (TV's, Computers and Calculators), but I did find that it works on some things in the supply category (watches, sports equipment, vacuums, fitness) and clearance. I found the FitBit Zip for $59 minus 20% picked up at a nearby store is around $50.

http://follett.mobilewebs.biz/landing/Follett/friendsAndFans/


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

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

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

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

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

what would you do? i should say that i'm pretty thankful for what i have, but i feel i wasted 15+ years squandering money, a lot of which i had no control over and due to unexpected circumstances. thanks for listening.
Personal Finance Deals
personalizationmall.com Executive Personalized Leather iPad Portfolio
Added on : Tuesday December 10th 2013 10:00:03 AM
g: 0 Posted By: DaysFan
Views: 125 Replies: 0 http://www.personalizationmall.com/Personalized-Leather-iPad-Portfolio-Black-p13700.prod?sdest=dept&sdestid=1058&storeid=20&categoryid=1058
linked
image
Executive Personalized Leather iPad Portfolio
Price: $69.95 Item#: 11542 Ships In: 1-2 days
Preparation is noted when on a conference table or carried into a meeting with our leatherpersonalized portfolio that holds your iPad!

This portfolio makes an impressive statement, especially with your full name artfully stamped across the bottom in your choice of silver or gold tone and the choice of block or script font style.

9" x 12" paper pad included.
Made of premium bonded black leather.
Genuine leather corner straps to hold iPad in place.
Snap closure.
Black leather interior.
Comes handsomely gift boxed for presentation.
Measures 12 1/2" x 9 3/4" x 3/4".

A great gift for any office or traveling professionals, and ideal for recent college graduates!iPad is not included.




Free Economy Shipping On Orders Over $65
Use Coupon Code: SHIP124 at checkout.

Not to be used in conjunction with other offers. We reserve the right to limit or exclude certain items from promotion at our sole discretion. Not valid on items within the Corporate store. We reserve the right to cancel this promotion at any time without notice. Offer valid for economy shipping within the contiguous United States only. Surcharges on some oversized items may still apply. Offer valid thru December 12, 2013.
Tablet Accessories Deals

Personalization Mall Coupons
g: 0 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/Gift-Christmas-Present-Melody-Carlson-ebook/dp/B007CKAKYM

4.7 out of 5 stars(36 customer reviews)

College student Christine Bradley grew up in a loving and honest family. So she couldn't have been more surprised when, shortly after her mother's death, her father revealed the startling truth that Christine had been adopted at birth.

In search of clues about her biological mother, Christine encounters a family she never knew she had. She digs deeper as Christmas nears and what she finds reveals a shocking lineage. Will Christine be able to come to grips with the past, take hold of the present, and look forward to a brighter future?

Carlson's warm tale of loss, recovery, and acceptance will captivate current fans and create new ones.
Books Deals

Amazon Coupons
Logitech - Wireless Boombox Bluetooth Speaker $99 (pick up only)
Added on : Friday December 06th 2013 01:00:03 PM
g: 0 Posted By: Asucollege
Views: 189 Replies: 0 This is the cheapest I could find this right now. Only available for pick up at your local store. I got lucky and had one in my area that still had a few. Good luck!

Link:http://www.bestbuy.com/site/Logitech+-+Wireless+Boombox+Bluetooth+Speaker+-+Gray/6503977.p?skuId=6503977&productCategoryId=abcat0205009&id=1218747945654


Headphones & Speakers Deals

Best Buy Coupons
g: 0 Posted By: VegasVegan
Views: 224 Replies: 0 Big Sky Military Appreciation Weekend
Dec. 13 - 15
Big Sky, MT (near Bozeman)

Lift Ticket Discounts:
Free skiing for active duty or retired military with I.D. on Saturday and Sunday.
Half price lift tickets for immediate family with I.D. on Saturday and Sunday.

Lodging Discounts:
Lodging specials are valid the nights of December 13th and 14th. Contact Big Sky Central Reservations for the following lodging specials:
$135 Huntley First Class or Huntley Handicap Room
$145 Huntley Mountain View
$165 Huntley Loft
$255 3-bedroom Big Horn Condo

Other Discounts:
25% off lessons for military and family on Saturday and Sunday.
25% off basecamp activities for military and family on Saturday and Sunday with I.D.
50% off rentals for military and family on Saturday and Sunday.
Present I.D.s at the Snowsports School on the second level of the Snowcrest Lodge and for rentals at the Big Sky Ski Rental located on the first floor of the Snowcrest Lodge.

2013/2014 Lift Ticket Rates
Daily lift tickets access all of Big Sky Resort's 5,750 acres.
Age Group Full Day Rate Half Day Rate Adult (18-69) $99 $89 Senior (70+) $79 - Junior (11-17) $79 - College (with ID) $79 - Youth (6-10) $49 - Child (5 and under) Free Free

Restaurants & Entertainment Deals
college students get 2-days amazon shipping free
Added on : Thursday December 05th 2013 12:00:10 PM
g: 0 Posted By: jba
Views: 68 Replies: 0 Amazon offers first 6 months free 2 days shipping for college students and 50% off prime afterwards.
http://www.amazon.com/gp/student/signup/info/ref=sm_st_mobile_UD...


Memberships & Services Deals
New Round Of TicketCity.com Coupon Codes!
Added on : Tuesday December 03rd 2013 02:00:03 PM
g: 0 Posted By: CouponSaverMan34
Views: 255 Replies: 1 1DTIX 3% Off & Free Shipping On One Direction Tickets 9/1/2014 BOWLS 3% Off & Free Shipping On College Bowl Tickets 1/10/2014 SBNY $150 Off ANY Super Bowl Ticket Order 1/17/2014 SAVE5 $5 Off ANY Order + Free Shipping 12/31/2014 SAVINGS Surprise Discount On ANY Order & Free Shipping 12/31/2014 FAREWELL 3% Off & Free Shipping On George Strait Tickets 7/1/2014

Restaurants & Entertainment Deals
g: 1 Posted By: tracksupr
Views: 177 Replies: 0 Kroger is offering 4X Fuel Points when you buy Gift Cards now through December 9, 2012. It is a great way to purchase gift cards for places where you eat or shop on a regular basis (or for giftsyou will earn 4x the Fuel Points which = FREE gas! (Kroger Gift Cards Not Included).For example, a $25.00 Lowes gift card equals 100 fuel points, a $50.00 HDepot card equals 200 points, and a $100.00 Sears Card for equals 400 fuel points! 400 pts= $.40/gal off
max you can earn is $1 per month and does not carry forward to the next month. Maximum fillup is 35 gallonsso the max you can save per fillup is $35. You will have to buy $250 in GC to earn $1

Giant Eagle has a better deal but is a regional chain. Most of the time you earn .20/$50 spent there is no limit on how much you can accumulate(a few years ago I put in new carpet on a rental with Home Depot Gift Cards and had free gas for about 3 months I was travelling 500-1,000 miles per week so I made out.) Maximum fillup is 30 gallonsmax you can save per fillup is $100+
you can also save an additional .04/ gallon by getting the Giant Eagle CC. at .24/gal you will have to purchase about $700 in GC to earn afillup

Both chains have GC fo most big box stores and major restaurant chains, movie theatres, ITUNES Google Play etc. Kroger has Target,Giant Eagle has Amazon and Stub Hub (I recently purchased tickets to a major college Football game and a NFL Game and got a free tank of gas)
Links
http://www.gianteagle.com/Gift-Cards/#/0/Gaming:Category:4294771...
http://giftcards.kroger.com/Default.aspx?mall=yes
Tools & Automotive Deals
American Eagle - 50% + FS - Online Only Today
Added on : Sunday December 01st 2013 07:00:13 PM
g: 0 Posted By: aunttk
Views: 224 Replies: 0 http://www.ae.com/web/index.jsp

Use Code 94C486V1

Beginning December 2, 2013 at 12:00am EST through December 3, 2013 at 3:00am PST get 50% off online only when you enter code 94C486V1 on ae.com, aerie.com or aeofactorystore.com. This 50% off offer cannot be combined with other discount offers. Discount applies to merchandise at AE.com, Aerie.com, aeofactory.com. Discount applies to merchandise costs only, not tax and shipping & handling costs. This discount is not redeemable for cash, nor applicable toward previously purchased merchandise. Excludes Aerie undies, AEO undies, AE Stores, Aerie Stores, and AEO Factory Stores and merchandise from these brands: Bass, BC, Bed Stu, Birkenstock, Clarks, Creative Rec, Coconuts, DV, Eastland, GOLA, Havaianas, Keds
, Matisse, Minnetonka, Mowgli Surf, New Balance, New Balance/PF Flyers, Palladium, Pro Keds
, Pura Vida, Reebok, Seychelles, Thorogood, Tretorn, Tailgate, Timberland, Volley, College & Pro Merchandise and Gift Cards. Discount promotion and associated terms and conditions subject to change at AE's sole discretion.
Clothing Deals
g: 0 Posted By: nahata22
Views: 209 Replies: 0 I scored a Lumia 520 ATT Go phone at RadioShack B&M. This has a price of $69.99 for thanksgiving(ends today 11/30)
Plus there is a $10 RadioShack cash on your purchase of $50 or more.

Here is my scenario(if that helps anyone)

ATT 520 Lumia (special bundle with 8GB micro SD card and additional back case)= 69.99
- 10% college discount (7.00) If you have a college ID (YMMV)
- $10 RadioShack coupon when you register your email (or if you have 10 off 50 coupon which RS-B&M gave out as a promotion in October)
=52.99 + Tax + CPN for $10 off next purchase

Will all the coupons and savings, my view is that this is a better deal than MS Store price ( and which btw is OOS @ MS Store)

Hope this helps. Please follow deal rules. I believe this is B&M only and not online.
Cell Phones Deals

RadioShack Coupons
Tips for Extended Stay in Orange County, CA
Added on : Friday November 29th 2013 01:00:12 PM
g: 0 Posted By: josie8
Views: 34 Replies: 0 I recently moved back to Southern California to attend acupunture college full time. My home is on the market. I need a temporary place to stay for 1-3 months in the Orange County area. Checking craigslist, airbnb, zillow. Any recommendations or tips for places to stay or how to get discounts/coupons for Extended Stay America, etc?
Requests Deals
AprilMarin Shawls on Today show
Added on : Wednesday November 27th 2013 07:00:10 AM
g: 0 Posted By: College123
Views: 183 Replies: 0 Check out the AprilMarin shawls up to 70% off. These are the best gifts. They are one size fits all. I bought 5 City Ruffle Shawls last year for holiday gifts and just bought 4 more for $42.
http://todayshow.aprilmarin.com/?p=todayscarf


Clothing Deals
g: 0 Posted By: CollegeRamenEater
Views: 122 Replies: 0 Got sent this email an hour ago - I know that it says not to share with family and friends, but what's the worst that could happen, I get banned from purchasing at ICE.com? Boo hoo. #yolo and stuff.

use coupon codeIRB112613
or linkhttp://www.ice.com/pearl-earrings-prd-40005019/?coupon=IRB112613&utm_source=CRM&utm_medium=Email&utm_campaign=20131126_buyer_reactivation6-7


Jewelry Deals

ICE.com Coupons
g: 0 Posted By: imanemokid
Views: 417 Replies: 0 B1G1 32oz College Inn Broth $2.69 @ Publix thru Nov 27, 2013 & $1.00 off Qz x2

College Inn Broth
BUY 1 GET 1 FREE
Assorted Varieties, 32-oz ctn.
SAVE UP TO $2.69ValidthruNovember 27, 2013 @ PUBLIX

and use $1 Qz from coupons.com with zip 08052 (GIANT)

UPDATE - GET TWO MORE SETS USING ZIPz 23450 & 06607 (Martains & Stop and Shop)

(although on the coupons.com page the description says Redeemable at Giant - there is no such wording on the Q itself)

for a final price of $0.85 each for 32 oz carton

(and you can even price match the B1G1 deal @ walmartsux, if there's no PUBLIX around)
Canned & Packaged Goods Deals
Tuition Reimbursement Plan for S-Corp
Added on : Monday November 25th 2013 05:00:12 PM
g: 0 Posted By: joaustin
Views: 154 Replies: 0 I have a small S-Corp with a single part-time employee (other than myself) who works about 100 hours a year. Starting in 2014, I intend for a young family member to take over as this part-time employee while attending college locally. I will help this family member pay for some of the college and I have a 529 for her. She will probably be eligible for need-based financial aid. I do not intend to use the 529 until Spring semester of her Junior year to avoid any financial aid issues.

I am considering setting up a tuition reimbursement plan for my company so that I could assistance to her. It is my understanding up to $5,250 is tax-free to the employee and deductible by the employer. Has anybody ever done this for a small S-Corp? Any ideas on how this might affect need-based financial aid? Would it be similar to using the 529?
Personal Finance Deals
g: 2 Posted By: Redbeard25
Views: 96 Replies: 1 http://regentcollege.createsend1.com/t/ViewEmail/j/B6A487C77B894...

Remembering Jack
On the fiftieth anniversary of the death of C. S. Lewis (29 Nov 1898 22 Nov 1963), Regent Audio offers a series of free audio downloads in memory of a beloved Christian writer and thinker.

Alister McGrath
THE LIFE AND IMPACT OF C.S. LEWIS

J.I. Packer
C.S. LEWIS: THE MAN FROM NARNIA

Douglas Gresham
C.S. LEWIS: A PERSONAL PERSPECTIVE

James Houston
PERSONAL REFLECTIONS ON C.S. LEWIS

Philip Ryken
CLIVE THE EVANGELIST

John Stackhouse
THIS IS MY FATHER'S WORLD: C.S. LEWIS' THEOLOGY OF CULTURE

Ralph Wood
TOLKIEN & LEWIS: FRIENDS & COMBATANTS

Alan Jacobs
NARNIA'S PAST & FUTURE

Promo Code: JACK50 expires midnight, 11/26
Totally Free Deals
g: 0 Posted By: imanemokid
Views: 108 Replies: 0 B1G1 32oz College Inn Broth $2.69 @ Publix thru Nov 27, 2013 & $1.00 off Qz x2

College Inn Broth
BUY 1 GET 1 FREE
Assorted Varieties, 32-oz ctn.
SAVE UP TO $2.69ValidthruNovember 27, 2013 @ PUBLIX

and use $1 Qz from coupons.com with zip 08052

(although on the coupons.com page the description says Redeemable at Giant - there is no such wording on the Q itself)

for a final price of $0.85 each for 32 oz carton

(and you can even price match the B1G1 deal @ walmartsux, if there's no PUBLIX around)
Canned & Packaged Goods Deals
g: 0 Posted By: imanemokid
Views: 54 Replies: 0 B1G1 32oz College Inn Broth $2.69 @ Publix thru Nov 27, 2013 & $1.00 off Qz x2

College Inn Broth
BUY 1 GET 1 FREE
Assorted Varieties, 32-oz ctn.
SAVE UP TO $2.69ValidthruNovember 27, 2013 @ PUBLIX

and use $1 Qz from coupons.com with zip 08052

(although on the coupons.com page the description says Redeemable at Giant - there is no such wording on the Q itself)

for a final price of $0.85 each for 32 oz carton

(and you can even price match the B1G1 deal @ walmartsux, if there's no PUBLIX around)
Canned & Packaged Goods Deals
$20 bonus for applying for US Bank credit card (geo restrictions)
Added on : Saturday November 23rd 2013 10:00:10 AM
g: 0 Posted By: FatMoneyClip
Views: 79 Replies: 0 Here is a way to get a small bonus for credit cards that do not usually offer them, like the U.S. BankCash+ card.
Details below came from a branch handout. Application must be submitted at a branch inthe San Diego and Inland Empire areas of California(YMMV).

GROW YOUR CREDIT IQ
$20 FOR YOU, $20 FOR CHARITY
10/01/12 - 11/30/13

1. Apply for a U.S. Bank Visa Credit Card between October 1 and November 30, 2013.
2. Go to usbank.com/iq and explore.
3. Take a quiz between October 1 and December 16, 2013.
4. Earn $20 for yourself and $20 for charity*.

Knowledge is power, and U.S. Bank want you to have more of it. Apply for a U.S. Bank Visa Credit Card, review our credit wellness site, take a quiz and we'll deposit $20 in your U.S. Bank Checking or Savings Account, plus we'll donate $20 in your name to Junior Achievement**.

You must apply for a U.S. Bank Visa Credit Card between October 1 and November 30, 2013 and have a U.S. Bank Checking or Savings Account in order to receive $20 for yourself and a $20 donation for Junior Achievement.

*All credit cards subject to credit approval. Certainterms and conditions apply. To receive this one-time offer, you must apply for a new U.S. Bank Visa Credit Card at a participating San Diego or Inland Empire, CA area U.S. Bank branch between October 1 and November 30, 2013. Additionally, you must bring a valid quiz confirmation number to a banker in a participating branch between October 1 and December 16, 2013. You must have a U.S. Bank Checking or Savings Account that is open and in good standing to receive the $20, which will be credited to such account within five business days. One $20 offer person, per household is permitted. In addition to the depositing $20 in your qualified U.S. Bank Checking or Savings Account a $20 donation will be made to Junior Achievement** after the promotion ends. This offer is available to all legal residents of the United States and the District of Columbia who are 18 years of age or older. Offer is not available if you are a College Student. The creditor and issuer of the Visa card is U.S. Bank National Association, pursuant to ta license from Visa U.S.A. Inc.

** Donations will be made to San Diego and Inland Empire [CA].


Deal Deals
Insurers Cut Doctors' Fees in New Health-Care Plans
Added on : Friday November 22nd 2013 06:00:11 AM
g: 0 Posted By: CollegeSavings
Views: 76 Replies: 1 As per WSJ, doctors' are getting paid less under new plan.
http://online.wsj.com/news/articles/SB10001424052702304607104579212450545926912

My thinking is reverse. More customers with insurance now, more money. As more people will have insurance now, they will visit doctors, hospitals more which will increase total revenue for them.

Do doctors like to complain in general or is it because their take home netis less now in reality?

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

Sugar Detox: How to Overcome Sugar Addiction NOW and for the Rest of Your Life [Kindle Edition] was $4.99

Charlotte Young (Author)

http://www.amazon.com/dp/B00GLLKPWA

Publication Date: November 11, 2013

Publisher: Speedy Publishing LLC

14 Reviews ★★★★★

#3 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Personal Health > Healthy Living


Did you click on this book because you thought you might be addicted to sugar? You may be curious to find out and it can be difficult to know at first; however, many people are addicted to sugar and do not even realize it!

In Sugar Detox: How to Overcome Sugar Addiction NOW and for the Rest of Your Life, you will discover what sugar addiction really is, what a sugar detox means and what it involves, and why you might want to consider doing one.

In this book you will learn how to cut back on sugars in your food and ways to make better food choices that will improve your health--sometimes dramatically:
Take a quiz on sugar addiction to find out if you are hooked on sugar
Finally understand the differences between simple carbs and complex carbs, good carbs and bad carbs, and high carbs and low carbs - in everyday language
Discover where sugar hides in all the foods you eat
Understand the benefits of conducting your own sugar detox
See lists of healthy foods to buy
Receive a FREE download for a grocery list you can take to the store
Know what to expect during a detox so you can be prepared
Discover how to conquer sugar cravings
Plan how to eat out in restaurants successfully
Enjoy using a list of additional resources to help you discover programs, books, and recipe books that will help you eliminate sugars now and for life
Check out the delicious recipes at the end of the book, including a FREE download of the recipes to print out for ease of use
Written in a conversational style that makes the information easy to understand, you will learn all about a sugar detox through colorful charts and helpful topics.

About the Author
Like many of us, Charlotte remembers a childhood of being described as chubby, and college years of experimenting with every diet known to man, had very little effect. Even classes on nutrition yielded minimal results. Finally, as a married woman, Charlotte was able to surround herself with friends who lovingly supported her and gave her the encouragement and information she needed to understand how her body worked. It was then she was able to begin to see positive changes. Through extensive research and conducting her own interviews with medical professionals and people who had lost weight, she changed her eating habits, eliminated most sugars from her diet, and became active in sports something she was never able to do as a child. Charlotte now enjoys teaching others about health, exercise, and healthy cooking as a writer, a lecturer and through cooking classes held in her home.
g: 0 Posted By: ctgolfer
Views: 147 Replies: 0 Today Only

www.homedepot.com/SpecialBuy/SpecialBuyOfTheDay#.Uo3INd_zsiA
Home & Garden Deals

Home Depot Coupons
Dell Venue 8 16GB $127.39 starting 11/21 7am EST at Dell EPP
Added on : Wednesday November 20th 2013 07:00:03 AM
g: 2 Posted By: bhanush
Views: 270 Replies: 0 This is for the Dell Venue 8 (NOT Pro) 16GB with Android OS.

$127.39 starting 11/21 7am EST at Dell EPP

Info about the deal:http://www.ivc.edu/resources/technology/Documents/dell-mpp/Irvine%20Valley%20College%20Dell%20MPP%20Black%20Friday%20Flyer.pdf

Deal should should show up when its live on this page:http://www.dell.com/us/eep/p/member-exclusive-pcs#!member-exclusive-pcs

or just go to Dell.com/mpp and search for it.

Android Tablets Deals
Sprint , Best Buy: Free talk, text, and data for 12 months for students
Added on : Monday November 18th 2013 08:00:03 AM
g: 0 Posted By: bhanush
Views: 14 Replies: 0 Credit DealNews

AtBest Buy, eligible students can bag12 months of talk, text, and up to 1GB dataforfreewith the purchase of aqualifying Sprint phoneand activation of anUnlimited My Way plan. That's a saving of up to $840 per year. The plans include unlimited talk and text and 1GB of data for smartphones, or blocked data for basic phones. A list of qualifying phones is availablehere. The buyer must be an active student enrolled in a U.S.-based elementary, middle school, high school, college, university or accredited institute

$36 activation fee applies.
Services Deals

Sprint Coupons
Sprint / Best Buy Student Promo - 1yr Service - FREE
Added on : Monday November 18th 2013 06:00:02 AM
g: 0 Posted By: MeIsCheap
Views: 41 Replies: 0 Sprint and Best Buy have partnered up to offer a My Way Student promo through 1/4/2014 where all students (i.e. anyone enrolled in a U.S.-based elementary school, middle school, high school, college, university or other accredited institute!) can snag up to 12 months of FREE talk, text . Thats a whopping savings of up to $70/month off the base monthly rate charge!

Here are the requirements:

* The student must purchase a phone at Best Buy at the student-activated price (all Sprint smartphones and basic phones are eligible for this offer!).
* Activate phone at time of purchase on Unlimited, My Way Student Promotion (a fee of $36 per line applies to each activation).
* Account holder must validate student within 14 days of phone activation date (Sprint will accept the following items via fax or online for validation: valid report card from current school year, Student ID, Enrollment confirmation /tuition receipt for current school year, or required state documents if home schooled)
* Note that this promotion is available exclusively at Best Buy it is not available at your local Sprint Store.
* At the end of the students 12 months of free service, the account holder can terminate the student line by calling Sprint or dialing *2 from their mobile phone before the end of 12 months.
* Click here for more information.


In the more information area: All student lines can add unlimited data for $10/month.
Services Deals

Sprint Coupons
Out of College Tax Help
Added on : Sunday November 17th 2013 07:00:05 AM
g: -1 Posted By: FalseKiva
Views: 51 Replies: 1 Hi,

I've just finished my first year at my first job out of college and take strides to be diligent with my personal finances (credit card churning, budgeting, etc all the FWF way). But, I'm new to taxes and want to know what is the best way to plan for this past year and future years to capitalize on deductions, etc.

Some details:
23 years old
120K annual salary
10K personal trading, mostly ST capital gains
maxed out 401K but did it through roth 401K (should I consider doing the regular next year to minimize taxes? My concern is if tax rates rise the roth is better)
Can I contribute to an IRA or Roth this year? Not sure how to best think about the MAGI and also not sure if I should contribute now or if I can wait until I do my taxes after 2013 ends
No mortgage so no deduction. No student loan so no deduction. I am filing as single household. Any other ways to claim deductions? Can I deduct transportation costs that were part of my job search?

Thanks in advance to the FWF community!

Tax Deals
Best Ways To Churn At this Point...
Added on : Thursday November 14th 2013 05:00:16 AM
g: 0 Posted By: justignoredem
Views: 101 Replies: 2 Hello FWers. I'm looking for some advice from people. Namely, these questions:
1) Should I get more credit cards (Or will it hurt my credit too much?)
2) Which Credit Cards Should I get? (To Maximize churn, good starting bonus, etc)
3) Should I get any with annual fees that I have been avoiding like the plague?

Situation:
I am looking for more ways to churn money as possible. As of right now, I have stuck with nothing but No annual fee, rotating 5% category credit cards. These have been incredibly lacking lately. Apparently they are playing a game for the last year called "Match what the other is doing!", thus making them insignificant to having multiple (aside from being able to put more into the category). I want to maximize as much different revenue from all categories as possible. At the same time, I don't wantrandom cards for 1 tiny category that I barely contribute anything to - especially if it has an annual fee tacked on to it. While I don't want to HURT my credit, I'm not at a point where I think I can hurt it too much either. I have 0 loans under my belt (including college), 0 mortgage, but ~4 years experience with credit cards and 0 late fees. I do not pay interest on anything.

The other day we decided to buy $2k for wooden flooring replacement. I had nothing to do other than get a measly 1% out of it. I felt bad getting so little out of that. We just got back from a trip where we had to spend on hotels, I feel we don't get enough CashBack out of trips as well... For that, I was thinking the Marriott with 70k points, but that is an annual fee card.

Current Credit Cards:

Discover - Rotating 5% Categories
Chase - Rotating 5% Categories
Citi - Rotating 5% Categories
American Express, Costco - 3% Off Gas (Not used), 2% Travel (Use this for flights/hotels), 1% Else. Mostly this card I use for risky transactions, AMX is known for being the most reliable in helping
Bank of America, Cash Rewards - 3% Off Gas (Use this), 2% Off Groceries (Use this), 1% Else
Bank of America, Better Balance Rewards - Free $ Churn


Personal Life:
I'm in my mid 20's. I'm about to get married, my fiance has a mortgage that is entirely under her name. We have a lot of expenses coming up with the wedding, honey moon, and more. While we want to move, there currently is just no means to with our job situation. We hate the town, but we have excellent opportunity with our career. It's a mixed bag.

Anythign else, feel free to ask
Credit Deals
College Fleece Sweatpants ($14.99 was $40.00) @ Finish Line
Added on : Thursday November 14th 2013 05:00:13 AM
College Fleece Sweatpants @ Finish Line - $14.99
Added on : Thursday November 14th 2013 05:00:07 AM
g: 0 Posted By: Trishako1
Views: 108 Replies: 0 College Fleece Sweatpants @ Finish Line - $14.99
was $40.00
Free shipping on orders over $49  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Finish Line Coupons
Mix and Match College Hoodies (2 for $35.00) @ Finish Line
Added on : Thursday November 14th 2013 04:00:07 AM
Mix and Match College Hoodies and Sweats Sale (2 for $35.00) @ Finish Line
Added on : Wednesday November 13th 2013 12:00:06 PM
g: 0 Posted By: remick
Views: 198 Replies: 1 http://www.amazon.com/Database-Driven-Website-using-MySql-ebook/dp/B009OMFL0E

Connecting a database to a webpage leads to interactive participation and not as static information being displayed. MySQL database can store records in tables which can be accessed (both updated and retrieved) through webpage forms.

This book will be useful for anyone who wants to understand how to connect a MySQL database to a web page. It is also intended for someone, who has ever wondered, How a webpage displays the result of a candidate given her unique_id as input? As in every remote school, colleges results are published on their respective notice boards, the same can be done in their website and viewed by all. Also one can prepare feedback forms that can be filled up online. Such data can be either used to update a table or make any query. The possibilities are many.
Books Deals

Amazon Coupons
Getting rid of the car I shouldn't have bought
Added on : Tuesday November 12th 2013 04:00:07 AM
g: 0 Posted By: sc9092
Views: 206 Replies: 10 I started a thread a few months ago about how I purchased a car I shouldn't have when I got out of college. Now I am just about upside down on a 72 month loan for a 2012 Dodge Challenger have about 25,500 left on the loan payments are around 400/month. I was looking to just sell the car outright and try to make my money back on it but I never had any luck doing that. So I have been looking for other cheaper vehicles I could buy and hopefully pay off within a few year instead of having this long term loan and maybe the dealer wouldn't hurt me too bad. Well after a few visits to dealerships I could never get a good offer for my car so i was going to just start paying extra towards the Challenger and maybe put a dent in the loan. Yesterday I found a 2008 ford explorer with about 60000 miles on it listed for 13800. I went and looked at it and it is a nice vehicle and they first offered me 22000 for my car and I declined because that would be financing about 18k which I do not want to do. So they came back and offered me what I owed on the car which was very tempting but I was still worried because I am not completely sold on the explorer(have never owned one). Got one more offer of 26,000 which would be about 500 more than what i owe on the car and I would be financing about 13. I could do the loan for 42 month and pay about 350/month or 36 and make the payment i was on the challenger. Either way I would pay more and try to get it paid off, it just looks better to tackle a 3 year 13k loan that a 72 month 25k loan. Any advice on this?
Personal Finance Deals
g: 0 Posted By: pitflyer
Views: 193 Replies: 0 BestBuy offers special one-time use coupon codes for those with college (.edu) email addresses:
http://www.bestbuy.com/site/Global/College-Student-Deals/pcmcat276200050000.c?id=pcmcat276200050000

I signed up based on a previous hot deal posting that showed the Chromecast available at $30. It takes a long while to receive the email (several days) but once you confirm your email address the next email that you click to get unique discount codes comes pretty quick.
It includes $30 off the Pebble SmartWatch. I haven't seen many other discounts and there is competition in this space from Galaxy Gear and others but it seems like a decent deal. Free in-store pick up or shipping.

Watches Deals

Best Buy Coupons
Basic Finance/Budgeting Help Needed
Added on : Saturday November 09th 2013 10:00:08 AM
g: 0 Posted By: pteach
Views: 32 Replies: 0 Hi,
I just graduated and got a job with a technology consulting company in atlanta georgia. I have no idea how finance/tax works. I've pretty much had my taxes done by a family friend for the past few years and have not invested any money in stocks or ira or anything.
I want to get some advice on how to properly position my finances. (How much to save for taxes, rainy day, stocks/investing)

Background:
No student loans (worked during college)
Paid off my car (high yearly maintenance due to it being 10+ years old and 200,000+ miles)
Single
Salary: $57,000
age; 25
Will be renting an apartment (See myself in the job for atleast 5 years at the same salary)


Expenses:
Personal/Food/Living/Car Maintenance: $20,000 - $22,000


Question:
I'm just an average joe with an average risk appetite in regards to the stock market investing. (I've followed the market for a little bit but never invested)

Any advice is greatly appreciated.

Thank You

Personal Finance Deals
Mix and Match College Sweats Sale (2 for $40.00) @ Finish Line
Added on : Thursday November 07th 2013 01:00:06 PM
g: 0 Posted By: Virgil27
Views: 728 Replies: 0 Mix and Match College Sweatshirts Sale @ Finish Line - 2 for $40.00
Free Shipping!Whether you want to support your favorite team or you're just looking for something warm to weather, you can't go wrong with this Mix & Match deal on Two College Sweatshirts for $40 with Cash Back and Free Shipping. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Finish Line Coupons
Mix and Match College Sweatshirts Sale (2 for $40.00) @ Finish Line
Added on : Thursday November 07th 2013 12:00:07 PM
Mix and Match College Sweaters Sale (2 for $40.00) @ Finish Line
Added on : Thursday November 07th 2013 11:00:08 AM
Mix and Match College Sweaters Sale @ Finish Line - 2 for $40.00
Added on : Thursday November 07th 2013 11:00:03 AM
g: 0 Posted By: Virgil27
Views: 88 Replies: 0 Mix and Match College Sweaters Sale @ Finish Line - 2 for $40.00
Free Shipping!Whether you want to support your favorite team or you're just looking for something warm to weather, you can't go wrong with this Mix & Match deal on Two College Sweaters for $40 with Cash Back and Free Shipping. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Finish Line Coupons
Home Equity Loan issue
Added on : Wednesday November 06th 2013 09:00:09 AM
g: 0 Posted By: CollegeSavings
Views: 73 Replies: 0 I applied for HE loan for an investment property with the bank. Property is Single Family (Duplex). For legal description, it is considered Single Family. After 5 weeks of requesting all documents (more than normal loan), bank rejected loan funding because property is Duplex. On their website as well as on the loan application, no where it was written that they don't fund duplex type. On their website as well as application, they have clearly stated that they fund single family.
Only at the point of rejection, they advised me about this issue. Bank officer indicated that it is written in their 46 page internal document that they don't fund duplex.
Do I have any recourse here?
Real Estate Deals
*** DEAD *** FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Wednesday November 06th 2013 06:00:17 AM
g: 10 Posted By: archena
Views: 2852 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
Books & Magazines Deals
*** DEAD *** FREE Kindle Book - Take Back Your Money was $9.99
Added on : Wednesday November 06th 2013 05:00:18 AM
g: 10 Posted By: archena
Views: 1364 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

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

John E. Girouard (Author)

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

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

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

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
Totally Free Deals
*** DEAD*** FREE Kindle Book - OPEN was $9.99
Added on : Tuesday November 05th 2013 11:00:06 AM
g: 4 Posted By: archena
Views: 2248 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

OPEN [Kindle Edition] was $9.99

David Price (Author)

http://www.amazon.com/dp/B00FLYFS98

Publication Date: October 2, 2013

Publisher: Crux Publishing

16 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership

#1 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Organizations & Institutions

"OPEN is a revelation. With an engaging wit and a clear mind Dave Price casts a penetrating light on how the new dynamics of digital culture are transforming not only how we work and play but how we think, feel and learn. He writes with a sharp sense of social history and theory. But he argues too from deep practical experience as an artist, parent and noted leader in educational change. From every perspective 'Open' will open your mind to some of the real implications of digital technologies for how we live and learn in the 21st century."
Sir Ken Robinson, world-leading expert on education and creativity

"There are lots of books about learning, but there are hardly any that manage to put the coming education revolution in a context that makes sense both emotionally and economically. OPEN is a tour de force that is by turns inspiring, shocking, highly entertaining, but above all practical. David Price combines the rare skill of understanding an institution without being institutionalised - a maverick thinker who can, through force of reason and humour coupled with long experience, make the job of re-booting education a fun one. He's just the kind of revolutionary the new world needs - one whose influence comes from putting the power to change things directly into your hands."
Mark Stevenson, author of An Optimists Tour of the Future

"David has constructed a powerful argument for Open Education initiatives and disciplines, not just within Academia, but also within Enterprise. His insights and observations make this a must read book for decision makers and senior managers in understanding what is possible within their own institutions, and what is essential in supporting vocationally focused education and life long learning."
Alan S. Greenberg, Education Technologies Consultant & ex Apple Education EMEA/Asia

SYNOPSIS
What makes a global corporation give away its prized intellectual property? Why are Ivy League universities allowing anyone to take their courses for free? What drives a farmer in rural Africa to share his secrets with his competitors?

A collection of hactivists, hobbyists, forum-users and maverick leaders are leading a quiet but unstoppable revolution. They are sharing everything they know, and turning knowledge into action in ways that were unimaginable even a decade ago. Driven by technology, and shaped by common values, going open has transformed the way we live. Its not so much a question of if our workplaces, schools and colleges go open, but when.

Packed with illustration and advice, this entertaining read by learning futurist, David Price, argues that open is not only affecting how we are choosing to live, but that its going to be the difference between success and failure in the future.
Totally Free Deals
FREE Kindle Book - Take Back Your Money was $9.99
Added on : Tuesday November 05th 2013 07:00:14 AM
g: 0 Posted By: archena
Views: 58 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

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

John E. Girouard (Author)

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

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

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

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
g: 0 Posted By: remick
Views: 3 Replies: 0 http://www.amazon.com/Good-Those-Trying-Harder-ebook/dp/B006T4YX...

Review
"Alan Kraft has charted a roadmap that points, in very clear and practical ways, a pathway of hope and help for Christians who are tired of stumbling and fumbling--tired of the treadmill of weariness with efforts that end in discouragement and defeat. If you want to understand how the joyous and dynamic life of a true disciple of Jesus can be experienced, here's the handbook. -- Dr. Jack W. Hayford, president, International Foursquare Churches, chancellor, The King's College and Seminary, and founding pastor of The Church On The Way

"For those of us who find ourselves cranky, sour, angry, or cynical while trying to do God's work, Alan Kraft eases our burden. Instead of trying to please God, Alan leads us to trust God. And delight in Him. This is a freeing book that redefines what it means to live by faith. Just what I needed." -- Marshall Shelley, editor, Leadership Journal and vice president, Christianity Today International

"God has a way of bringing us to the end of our resources in order that we may discover His. Sadly, many resist this brokenness, but it is the key to the victorious and what God intended to be the `normal' Christian life, which is `Christ in you the hope of glory.' Alan has discovered what it means to let the life of Christ live through him and to let it happen rather than struggle to make it happen. I highly recommend this book for every Christian pilgrim who wants to live a liberated, righteous and fruitful life by faith in the power of the Holy Spirit." -- Dr. Neil T. Anderson, founder and president of Freedom in Christ Ministries

"God speaks through Alan Kraft, and his book made my "must read" list. This message is for every Christian, but especially for pastors and ministry leaders who sometimes serve out of their own efforts instead of relying on God's Spirit. This book brought me to tears more than once. Read it and let God refresh your faith." -- Alan Nelson, executive editor Rev! Magazine and author of Me To We

"Good timing, Alan! This book has come into my hands precisely at a time when I am being made painfully aware that my own zeal and determination are insufficient to touch Kingdom fullness. Once again I am throwing myself upon the mercy of a God who is committed to working in us according to HIS zeal and determination (Phil. 2:13). And that's what this book is about--celebrating the power of God to do in us what we cannot do for ourselves. Alan's unfolding insights will skillfully guide you into a fresh discovery of the true freedom of the Gospel." -- Bob Sorge, author of Secrets Of The Secret Place

"In a very honest and compelling way, Alan Kraft shows us why believers still need the gospel every day. When Trying Harder Doesn't Work should help many people get off the performance treadmill in their relationship with God. I highly recommend it." -- Dr. Jerry Bridges, author of The Pursuit of Holiness

"Many who once took their faith seriously are either considering (or are currently) walking away from the church. Alan Kraft's gospel-clarifying and faith-restoring book addresses the core issue for this exodus and shows the path back to authentic faith. I love Alan's heart and honesty. Read, understand, and apply the truth in these pages. If you do it will change everything." -- Dan Webster, founder, Authentic Leadership, Inc.

The most readable, realistic and biblically "right-on" discussion of spiritual formation I've read in a long time. Try hard and you'll feel tired or proud. Get real and you'll trust Christ as never before. I felt a weight lift as I read it. You will too. -- Dr. Larry Crabb, speaker, founder of NewWay Ministries, and author of Shattered Dreams and The Pressure's Off

About the Author
Alan Kraft is the lead pastor of Christ Community Evangelical Free Church in Greeley, Colorado. He graduated with honors from Trinity Evangelical Divinity School. Alan and his wife, Raylene, have four children.
g: 0 Posted By: Bluefw
Views: 128 Replies: 0 Buy $75 or more in Barnes & Noble gift cards or egift cards and receive a free $10 egift card. This offer can be redeemed only once per customer. The $10.00 Barnes & Noble eGift Card will be automatically delivered via email on December 26, 2013.

Offer Details: Earn a Free $10.00 Barnes & Noble eGift Card with purchase of $75.00 worth of Gift Cards or Barnes & Noble eGift Cards at Barnes & Noble.com. This offer is valid only on purchases of Barnes & Noble Gift Cards and eGift Cards totaling $75.00 in a single transaction only at Barnes & Noble.com. This offer is also valid on purchases of customized Barnes & Noble Gift Cards totaling $75.00 in a single transaction initiated through links on Barnes & Noble.com and processed and fulfilled by Cardways.com. The value of your qualifying Gift Card and eGift Card purchase must total at least $75.00 to qualify for the $10.00 Barnes & Noble eGift Card. Sales tax, gift wrap, processing charges, shipping and handling charges, or any additional charges will not count towards the qualifying purchase amount of $75.00. This offer can be redeemed only once per customer. Your purchase must be made between November 3, 2013 and December 3, 2013 at 2:59 a.m. Eastern Time to qualify for this offer. No promotion code is necessary. The $10.00 Barnes & Noble eGift Card will be automatically delivered via email to you on December 26, 2013 to the email address associated with your $75.00 BN.com Gift Card / eGift Card purchase on Barnes & Noble.com.

Additional Rules Governing this Promotion: This promotion is (i) not redeemable for cash; (ii) not valid on past purchases; (iii) may not be combined with any other promotion; and (iv) not valid at any Barnes & Noble retail bookstore or Barnes & Noble College bookstore or website.

Barnes & Noble.com is not responsible for typographical or pictorial errors. This offer is subject to change or discontinuation without notice; we will, however, honor properly placed orders with valid methods of payment with sufficient funds placed prior to such change or discontinuation. Returns or cancellations of qualifying Barnes & Noble Gift Cards or eGift Cards may result in forfeiture of the $10.00 Promotional Barnes & Noble eGift Card. Void where prohibited by law.
Gifts Deals
Chromecast $30 Bestbuy with edu e-mail
Added on : Sunday November 03rd 2013 08:00:03 AM
g: 1 Posted By: mictester
Views: 243 Replies: 0 Bestbuy added Chromecast to its student promotions and it is available for $30.

http://www.bestbuy.com/site/Global/College-Student-Deals/pcmcat2...
TV Deals

Best Buy Coupons
laptop bundle wal-mart $255.00
Added on : Saturday November 02nd 2013 10:00:04 AM
g: -2 Posted By: bestbuy1115
Views: 252 Replies: 0 Fall Savings Laptop & Accessories Bundle with Laptop, Case & USB Flash DriveBundle features:

Your Choice of Laptop
Your Choice of Laptop Case
Your Choice of USB Flash Drive


nice link

i'd get this bundle if I needed a laptop and extras
Laptops Deals

Walmart Coupons
Discover it $75 Amazon GC sign up bonus, smells like $$$
Added on : Friday November 01st 2013 12:00:11 PM
g: -5 Posted By: PippiLongStockings
Views: 686 Replies: 1 Hi everyone,
Scrolled through my Amazon today's deals and I stumbled over this offer. YMMV. Greenify my post, thanks
Apply for a Discover it cc and receive $75 Amazon gc (not applicable for college students), no min purchase specified.
Here are the details:http://www.amazon.com/dp/B00AW3IXZO

Get a $75 Amazon.com Gift Card* after your first purchase.
Earn cash rewards you can spend at Amazon.com. $1 CashBack Bonus = $1 at Amazon.com.
5% CashBack Bonus on up to $1,500 in purchases for Online Shopping through December 2013 with free and easy sign-up.
1% Cash Back on all other purchases.*
No annual fee, no overlimit fee, no pay-by-phone fee and no foreign transaction fee.*
No late fee the first time you pay late, plus we won't raise your APR for paying late.*
Call any time and talk to a person right here in the U.S.
Get a $75 Amazon.com Gift Card* within 8 weeks after first purchase.
*Get a $75 Amazon.com Gift Card when you are approved for a Discover it card and make your first purchase within 3 months of approval. Offer only available to new cardmembers. Offer not available to college students. Gift card will be sent within 8 weeks after first purchase. One gift card per account.
0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.



Services Deals

Discover Card Coupons
Discover it $75 Amazon GC sign up bonus, smells like $$$
Added on : Friday November 01st 2013 11:00:04 AM
g: -2 Posted By: PippiLongStockings
Views: 418 Replies: 0 Hi everyone,
Scrolled through my Amazon today's deals and I stumbled over this offer. YMMV. Greenify my post, thanks
Apply for a Discover it cc and receive $75 Amazon gc (not applicable for college students), no min purchase specified.
Here are the details:http://www.amazon.com/Discover-it%C2%AE/dp/B00AW3IXZO

Get a $75 Amazon.com Gift Card* after your first purchase.
Earn cash rewards you can spend at Amazon.com. $1 CashBack Bonus = $1 at Amazon.com.
5% CashBack Bonus on up to $1,500 in purchases for Online Shopping through December 2013 with free and easy sign-up.
1% Cash Back on all other purchases.*
No annual fee, no overlimit fee, no pay-by-phone fee and no foreign transaction fee.*
No late fee the first time you pay late, plus we won't raise your APR for paying late.*
Call any time and talk to a person right here in the U.S.
Get a $75 Amazon.com Gift Card* within 8 weeks after first purchase.
*Get a $75 Amazon.com Gift Card when you are approved for a Discover it card and make your first purchase within 3 months of approval. Offer only available to new cardmembers. Offer not available to college students. Gift card will be sent within 8 weeks after first purchase. One gift card per account.
0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.



Services Deals

Discover Card Coupons
FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Friday November 01st 2013 04:00:16 AM
g: 1 Posted By: archena
Views: 87 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
Books & Magazines Deals
g: 25 Posted By: ysnreddy
Views: 2872 Replies: 8 Here is the link for lot of Kindle books which includes feature releases which can be pre-order.

Amazon Kindle books


Boundless College Text books for free on Amazon.COM for Kindle and Kindle to PC Edition.

Here is the link: Amazon Boundless College Textbooks

Hope you like it.
Books Deals

Amazon Coupons
25% Off on Rooms + 25% Off on Car Rental!
Added on : Thursday October 31st 2013 12:00:04 PM
g: 0 Posted By: amyortizastic
Views: 145 Replies: 0 College buddies are off to some serious Jazz Fest in Miami, FL with a game plan!

Great thing we get 25% discount on rooms with Corporate ID 1000009302 at DaysInn.com

and up to 25% off discount on car rental with code - D626001 - goes into BCD box at budget.com

Gonna Jazz it up!!!

Travel Deals Deals
Next Financial Step
Added on : Thursday October 31st 2013 04:00:12 AM
g: 0 Posted By: beanie4me
Views: 9 Replies: 0 I am curious what next financial step you all would take in my situation.

Situation:

No debt except Mortgage (about $178.6K at 3.75%, 79% LTV on primary residence purchased in 4/2013)
Emergency Fund that covers 9 months of living expenses at current levels
Saving about 10% for retirement to get company match and fully fund Roth IRAs. No other matching funds exist.
Combined gross income: $126K

My Ideas:

Start 529 college fund. Pros: Tax avoidance if used to pay for college. Cons: No kids yet. Future kids may get full-ride scholarships like wife & I
Save more in non-Rothretirement accounts.Pros: Tax deferral. (Really a pro?) Cons: Withdrawal restrictions & illiquidity
Invest.Pros: Flexible withdrawalCons: No tax benefits
Pay off mortgage early.Pros: Peace of mind. Guaranteed savings on interest. Cons: 3.75% for 29 more years is cheap money. (Note: Our tax deductions are too low to itemize, so we do not see tax benefits for our mortgage.)

Wife says investment properties are off the table.
Wife says H&B and divorce are off the table.

Thanks for the input.
FREE Kindle Book - OPEN was $9.99
Added on : Thursday October 31st 2013 01:00:06 AM
g: 0 Posted By: archena
Views: 58 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

OPEN [Kindle Edition] was $9.99

David Price (Author)

http://www.amazon.com/dp/B00FLYFS98

Publication Date: October 2, 2013

Publisher: Crux Publishing

16 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership

#1 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Organizations & Institutions

"OPEN is a revelation. With an engaging wit and a clear mind Dave Price casts a penetrating light on how the new dynamics of digital culture are transforming not only how we work and play but how we think, feel and learn. He writes with a sharp sense of social history and theory. But he argues too from deep practical experience as an artist, parent and noted leader in educational change. From every perspective 'Open' will open your mind to some of the real implications of digital technologies for how we live and learn in the 21st century."
Sir Ken Robinson, world-leading expert on education and creativity

"There are lots of books about learning, but there are hardly any that manage to put the coming education revolution in a context that makes sense both emotionally and economically. OPEN is a tour de force that is by turns inspiring, shocking, highly entertaining, but above all practical. David Price combines the rare skill of understanding an institution without being institutionalised - a maverick thinker who can, through force of reason and humour coupled with long experience, make the job of re-booting education a fun one. He's just the kind of revolutionary the new world needs - one whose influence comes from putting the power to change things directly into your hands."
Mark Stevenson, author of An Optimists Tour of the Future

"David has constructed a powerful argument for Open Education initiatives and disciplines, not just within Academia, but also within Enterprise. His insights and observations make this a must read book for decision makers and senior managers in understanding what is possible within their own institutions, and what is essential in supporting vocationally focused education and life long learning."
Alan S. Greenberg, Education Technologies Consultant & ex Apple Education EMEA/Asia

SYNOPSIS
What makes a global corporation give away its prized intellectual property? Why are Ivy League universities allowing anyone to take their courses for free? What drives a farmer in rural Africa to share his secrets with his competitors?

A collection of hactivists, hobbyists, forum-users and maverick leaders are leading a quiet but unstoppable revolution. They are sharing everything they know, and turning knowledge into action in ways that were unimaginable even a decade ago. Driven by technology, and shaped by common values, going open has transformed the way we live. Its not so much a question of if our workplaces, schools and colleges go open, but when.

Packed with illustration and advice, this entertaining read by learning futurist, David Price, argues that open is not only affecting how we are choosing to live, but that its going to be the difference between success and failure in the future.
Totally Free Deals
g: 1 Posted By: ysnreddy
Views: 215 Replies: 0 Boundless College Text books for free on Amazon.COM for Kindle and Kindle to PC Edition.

Here is the link: Amazon Boundless College Textbooks

Hope you like it.
Books Deals

Amazon Coupons
Credit Card Reward Networks and Strategies
Added on : Wednesday October 30th 2013 02:00:11 PM
g: 0 Posted By: BenH
Views: 30 Replies: 0 I would like to get a thread going where we can discuss all the big credit card reward networks out there.

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

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

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

I'll start off with what I know:

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

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

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

...
Credit Deals
g: 0 Posted By: DaysFan
Views: 153 Replies: 0 linked


Additional 40% Off AEO ClearanceReceive 40% off your AE and Aerie Clearance PurchaseBeginning October 18, 2013 at 6:00am EDT, for a limited time only, get 40% off your AE and Aerie Clearance purchase. Offer is valid on ae.com and aerie.com and in Aerie stores. Excludes AE and AEO Factory stores. This 40% off discount is automatically applied once an AE or Aerie Clearance item is added to the ae.com or aerie.com shopping bag. This 40% off offer cannot be combined with other discount offers. Discount applies to AE, and Aerie merchandise costs only, not tax and shipping & handling costs. This discount is not redeemable for cash, nor applicable toward previously purchased merchandise. Excludes AE clearance jeans, Aerie undies and merchandise from these brands: Adidas, Bass, BC, Bed Stu, Birkenstock, Chronicle, Clarks, Creative Rec, DV, Eastland, GOLA, Havaianas, Keds
, Me Too, MIA, Minnetonka, New Balance, New Balance/PF Flyers, Old Soles, Palladium, Pro Keds
, Reebok, Saucony, Seychelles, Sperry, Steve Madden, Sweet Shoes, Tailgate, Timberland, Tretorn, Volley and college and pro merchandise. Discount promotion and associated terms and conditions subject to change at AE's sole discretion example

https://www.ae.com/web/browse/product.jsp?catId=cat6300041&productId=0133_5815_600&editId=ci60446001209&sizeName1=XS&sizeName2=
AE Printed Board Short
Style: 0133-5815 | Color: 600
reg $39.95
X-Small Red
Price:$19.99$


Merchandise: $19.99 Discount: -$8.00 Merchandise after discount: $11.99 Shipping: FREE Tax:? $0.00 Order Total $11.99

Clothing Deals
g: 0 Posted By: NonReturnable
Views: 162 Replies: 0 I'm 28, my wife is 25. We have twin daughters, 2.5 years old.
My wife will graduate from college in two semesters from Penn State World Campus with a B.S. degree in Human Resources.
She has not worked for over 5 years, since she moved in with me. She quit her job, and I've been the sole source of income.
She is currently a "stay at home mom" in addition to going to school online full-time.

I make roughly $80k a year.

I owe $70k in student loans.
My loans are on the income based repayment option.
Yes, I understand that I'm not even paying the interest. The plan is, once she graduates and gets a good job, to put all of her income (besides what it takes to pay for childcare) at paying everything off ASAP.
Right now, the goal is to just keep our heads above water. Obviously we did not expect twins, and it has incurred a lot more expense than expected when we decided to have a kid.
I am concerned, if she works, my payment goes up beyond the extra money she is bringing in (if any at all) after paying for childcare.

She is concerned about not having anything on her resume for 5 years, and has started applying at entry-level jobs, to beef her resume up.
She has an offer for $10 an hour to work as a "sample lady" at WalMart, for a contracting company. This would be roughly 30 hours a week, mostly during the afternoons.

This means, we will need to start paying for childcare. This would actually be good for my girls, because they are a bit behind speech wise, and it would be very good for them to be around other kids.

I have a couple of concerns. If she works 30 hours a week, she could potentially bring home up 15k a year. This could either raise my IBR payment, or totally knock me out of IBR, meaning my payments would almost triple.
However, if she does get the job, its just going to be barely enough to pay for childcare. She would be doing it only to get something recent on her resume, to get out of the house, and so that the kids can have some time around other kids. We've looked into playgroups, and there just aren't any in our area. We live in a rural farming area.

I found thishttp://www.irs.gov/uac/Ten-Things-to-Know-About-the-Child-and-Dependent-Care-Credit

"The credit can be up to 35 percent of your qualifying expenses, depending upon your adjusted gross income."

So...I can only write off 35% of the child care costs? meaning, 65% of her income is still going to go towards our gross for the year.

Are there other child care tax reducing methods that I do not know off? Any advice?

Thanks!



Personal Finance Deals
kmart in-store and online twin Belmont mates bed $99 w/storage drawers
Added on : Sunday October 27th 2013 11:00:06 AM
g: 0 Posted By: DaysFan
Views: 262 Replies: 0 Valid from October 27 - November 02
Belmont mates bedReg. $129.99SALE $99.99
image
image
Kmart.com weekly ad
link Kmart Item# 021W006145530001 | Model# 5536080KP
Essential Home Belmont Mates Bed - Honey Pine
http://www.kmart.com
online
With its sleek and simplified design, the Belmont Mates Bed seamlessly blends with your existing bedroom furnishings. A twin mattress fits perfectly on the bed's platform which includes two drawers for all of your concealed storage needs.

Brushed nickel hardware
Two drawers for concealed storage
Accommodates a twin mattress
Headboard sold separately
15 11/16 in H x 76 7/16 in W x 41 1/8 in D Fully assembled

Dimensions: Height (in.): 15.75 Depth (in.): 76.5 Width (in.): 41.1 Product Overview: Bed Size: Twin Supplemental Rail: No Audience: Dorm/College Bed Type: Captain/Storage Beds Weight (lbs.): 130 Assembly: Ready to assemble Style: Transitional Lifestyle: Casual Color: Color Family: Beige & Tan Materials & Finishes: Hardware Finish: Brushed Material: Particle Board Finish: Light Finish

Bedding Deals

Kmart.com Coupons
CVS.com $15 OFF $60 + FREE Shipping
Added on : Sunday October 27th 2013 05:00:09 AM
g: 0 Posted By: DaysFan
Views: 70 Replies: 0 http://www.cvs.com/

code SAVE15 AND FREESHIP

$15 OFF $60 + FREE Shipping!
perfect for sending a care package to that college student/invalid family member!!

*Offer available online only. Expires on 10/30/13 at 11:59 PM ET. To receive $15 off your order of $60 or more you must enter coupon code SAVE15 at Checkout. This coupon excludes prescriptions and gift cards. Tax charged on price before savings applied. Savings are not transferable. No Cash Back. To receive free shipping on your order, you must enter coupon code FREESHIP at Checkout. Free standard shipping applies to a nonprescription order that totals $45 or more after all discounts have been applied. Offer not valid for orders placed on CVSPhoto.com and CVS/pharmacy Optical. Free shipping cannot be combined with other online offers. There may be an additional shipping and handling surcharge associated with particular items in your order. You will be notified of any such charges during Checkout if they apply to items in your order.

Health & Beauty Deals

CVS Coupons
Need travel tip for Hawaii - traveling solo
Added on : Thursday October 24th 2013 06:00:07 PM
g: 0 Posted By: Free1As1A1Bird
Views: 20 Replies: 0 Dear FW friends,
My college student son wants to visit Hawaii. He can afford the plane ticket and a few hundred dollars pocket money at the most. Do you have any tips or advise for him?
He was saying that he could stay at the YMCA. Have any one ofyou stayed at the Y in any of the Hawaiin islands? Any tips?
I saw on TV that thousands camp out at the beaches in Hawaii, but, I cannot allow my own kid to do that. What is the cheapest way to visit Hawaii and still stay safe?
Hawaii Deals
Planning to sell the house and travel 48 states for 2 years
Added on : Thursday October 24th 2013 06:00:07 PM
g: 0 Posted By: Free1As1A1Bird
Views: 61 Replies: 0 Hi FW friends!
My wife and I are planning to sell our house and travel the country for 2 years, startingnext year. Our youngestkid is starting college next year. We were hoping you could give us some pointers.
Our house is paid off, no other loans either. We have gathered a lot offurniture and stuffover the years. If we sell the house, we will need a place to store our belongings while we travel. I never used a public storage. Are those public storages safe? Whatabout paying a friend or relative to rent out their basement and store stuff?
We are planning to drive around the lower 48 states and stay in extended-stay type hotels/motels. I heard that people are renting their furnished houses on a weekly basis. Are these rental houses safe? Is there a reputable web site for short term personal property rentals other than Craigslist.com and the first 10 search results on Google?
Do you recommend a car or a SUV for the 2 year long road trip?
Discussion Deals
Any advice for getting healthcare if you can't afford it?
Added on : Thursday October 24th 2013 04:00:07 PM
g: 0 Posted By: mxmaniac
Views: 161 Replies: 4 I'm in a tough spot right now, in need of healthcare and treatment for some medical problems. I make too little to afford care, yet too much to qualify for any help. I know I'm not the only person like this, there are tons of people who live paycheck to paycheck.

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

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





Personal Finance Deals
g: 1 Posted By: remick
Views: 180 Replies: 0 http://www.amazon.com/Amazing-Grades-Improve-Learning-ebook/dp/B00FFJUG8C

5.0 out of 5 stars with 11 reviews

Learn study skills,test preparation and memory improvement in HALF the time! Use your learning style - read, listen or video chapters.
Use the learning and life skills in this book to raise your grades, test scores, get into and stay in the college of your dreams!
"If you've ever questioned your abilities in school, I can tell you for sure I was right there with you. Just a few short years ago, I felt like a failure - reading was actually painful for me and this made all my other subjects a real struggle. But today is a whole new story. I now have a Master s Degree and my Psy.D. degree in clinical psychology thanks to the strategies in this book. They literally changed my life!

--Kathryn Langley, M.A., Psy.D.

Amazing Grades is a worldwide goodwill book, the result of a year long work by 101 best-selling authors and experts to help students in grades 7-college raise their grades and test scores, in the fastest and most efficient way possible. Bonus chapter included by Nasha Fitter, Worldwide Lead of Education for Microsoft.

Topics include:
3 Learning styles and how to master study skills and test prepartion in your learning style
Study skills in every subject area
How to handle special learning challenges and differences
Life skills that you need to succeed
mp3 chapters and scan tags for videos related to the chapters
Totally Free Deals
$88k left in student loan debt - am I on the right path?
Added on : Tuesday October 22nd 2013 03:00:06 AM
g: 0 Posted By: Killy215
Views: 122 Replies: 4 Hi there! I am new to the forums and have been reading over other posters financial woes when it comes to their student loan debt. For the last 2 years, I have been working to get myself out of all of my debt. This is going to be long, but I want to give the whole picture! A little bit of background:

3 years ago, I moved from Jersey to Maryland to take a new job, paying a decent amount over what I was making. To be immediately frugal, I moved to a much cheaper town about 30-40 minutes away from my job with my partner. When we first moved, my partner didnt have a job so I paid the bulk of the expenses, while she paid for a small part. She ended up going to school and getting her CDL, and within a year got a job. So for our first year in the house, I wasnt able to put much extra towards any of my debt. Once my partner got the job, we worked out an agreement where she took on my portion of the rent for a year, and I got to work attacking my credit card debt, which was about $15,000. I began paying it off in January of 2012 and finished in March of 2013. Im really proud of myself for this.

Now I know its time to work on my student loan debt, which is just an enormous, crushing weight on my shoulders. I know I can pay it off much sooner than the payments have me set to do, so thats what Im going to try to do. I got a B.A. degree in Psychology that I dont even use, but it did help get me the job Im in today. When I graduated college in 2007, I had $98,000 in student loan debt, and I went to a public school. I made poor choices, taking out more money than school cost so that I could live/pay rent/groceries, etc. Also, it took me 7 years to finish instead of 4 for about 65% of that time I was working full time and going part time. I wish I understood the consequences of what I was doing more, or that someone was there to guide me a bit more/answer my questions, but unfortunately, that is not the case. I take full responsibility for the loans and taking them out, and it has certainly given me a great lesson in all of this. Bottom line is, I have this debt now and Ive got to get it out of here. My student loans are split between federal and private. Ive been paying on the loans for 5 years, since 2008. The balances Im giving you are what is current. Heres the breakdown:

Private: $55,247.13 at 6.2735% (These are multiple loans that have been consolidated into one). Their minimum payment per month is $406 over 30 years. Federal: Total is $33,293.38, breakdown below. 1. Consolidation Loan: Subsidized = $5,330.42 at 2.875% / Unsubsidized = $12,426.18 at 2.875% 2. Stafford Loans: Subsidized = $3,862.02 at 6.8% / Unsubsidized = $5,143.56 at 2.35% / Unsubsidized = $6,531.20 at 6.8%The federal loans are currently in deferment because Im going to graduate school (employer-paid), but I AM paying the accrued interest. I need to get rid of these loans, and I know I need to work on the private loan first. Here are is my total amount of monthly expenses, which I have in a budget spreadsheet and keep track of throughout every month:

Rent: $425/month (split, per person)
Car payment: $396 + $102 extra for principal (paying $500/mth so that I can have the car paid off in 3 more years, shaving 2 years off of the initial term). Interest is 1.9%.
Car insurance: $530 per year I make 1-3 bulk payments in December/January.
Cell phone: $77
Gas/Heat (home): $86
Gas (car): $240
Life insurance: $20
Water/sewer/trash: $60
Netflix: $7.99
Misc: $150
Private student loan: $455.03 (I put an extra $50 each month towards the principle, Ive been doing this for about 2 years)
Federal loans interest: $260
Savings account: $100
League dues (roller derby): $35

I bring home around $3,170 per month, which leaves me around $873 per month extra. I also put 3% towards my 401k, where my company matches 50% up to 6%. (Next year, my healthcare is going up about $30 per month, so thats a factor as well). I would like to commit to putting an extra $800 on my private student loan each month. My partner and I live a pretty frugal, simple life, so I do believe this is possible, save for any weird expenses that may come up (i.e., our renters insurance or my AAA membership, which I never take into consideration for monthly expenses).

Ive already started looking for a second job, which means I would have to quit playing roller derby (I cant do 2 jobs, plus grad school, plus derby). This disappoints me because its definitely a great outlet and a way for me to keep up my spirits and exercise, but I know a second job would really help chip away at this money. Next, I received a balance transfer offer for my credit cards at 0% for 12 months with a 2% fee. So last week, I took $8,000 from this offer and paid it towards my $55,000 private loan. I can get the $8,000 paid off in a year with payments of $666 per month towards the credit card. Then Ill take another $150 every month and add it to the student loan payments with my $455. After the $8k is paid off, I hope to use another offer of 0% and do it again.

Does this sound like a reasonable plan? We dont have a lot of extras, and the ones we used to have have been cut when I started paying off my credit cards (i.e., cable). I recently looked into leaving my cell phone company, AT&T, as T-Mobile can get me a similar plan for about $20 less per month, however my cancellation fee of $260 does not make it worth it at this time. Maybe there is something Im missing with the cell phone situation that someone can give me information on. Also, Ive went through my house and pretty much sold all of my extra things on eBay and Craigslist. I have 1 or 2 other things that I might be able to get rid of. Otherwise, I take my breakfast and lunch to work every day except on Friday, where I splurge on an $8 lunch each week. This $32 is part of my $150 misc expenses.

Also, if you were me, where would you put any extra money you received (i.e., tax refund)? A part of me wants to put it on my car so I can get that paid off quicker (and thus freeing up $500 per month), but I also know it makes more sense to put it on the higher interest loan. Thoughts?

Ive really changed my outlook on money over the last few years, and Im trying to get to a better place. There are things I want to buy (like a house!) that I know I just cannot because I cant afford it. Id like to have kids, but they are going to have to wait because I cannot afford them at this time. I feel lucky to have landed such a good job and be in a place in my life where Im able to make this plan and actually execute it. Id really appreciate any insight, especially on things that Ive missed or could do better.

Thanks for listening.
New User Question Deals
g: 1 Posted By: remick
Views: 229 Replies: 1 https://www.udemy.com/college-application-essay/?couponCode=REDDIT
Services Deals
College: Is there a reason to NOT get a computer science degree?
Added on : Sunday October 20th 2013 10:00:07 AM
g: 0 Posted By: JacksonX
Views: 126 Replies: 6 I'm considering the changing role in college, and what to counsel my own children;

It seems that just about every single job out there either requires or would appreciate advanced computer skills, pretty much regardless of the field.
It also seems like Computer Science/Computer Engineering is one of the most difficult and strenuous majors out there.
I was a chemistry major at an engineering school in the 1990's, and took some CS courses to "test the waters", and they were by far another level of difficulty.

My question is; is there a reason NOT to major in CS/CE (other than rigor)? Unless someone wants a specific career in, say, chemical engineering, it seems like all fields might respect this course of study.

For instance, someone who wants to go into finance; I'd imagine many companies would think someone with a CS (or maybe math?) degree have the ability to think and mine data appropriately, possibly more than someone with an economics degree.

Plenty of people get liberal arts degrees and end up going into some sort of field which utilizes computers, such as IT; why not just cut out the middle-man?

If you KNOW that you want to be a medieval historian at Harvard, that's a good reason to get a degree in such a subject; otherwise, should we be guiding pretty much everyone who insists on going to college to get a degree in CS/CE?
Personal Finance Deals
Career going very well, yet the money is not there. Advice?
Added on : Saturday October 19th 2013 08:00:09 AM
g: -1 Posted By: dynorodzilla
Views: 262 Replies: 8 I graduated HS in 2005. From 2007-2011 I was making around $16 an hour while going to school. Graduated from a well known state college in December 2010 with a bachelors in business

After graduating, I took a trainee role working at a scrap metal recycling company for $21 hourly, with no benefits until the trainee period ended. It was kind of a mismanaged company and I did not see much potential there. After 8 months I decided to start looking for a new job. I anticipated a difficult job search, but got the first job I interviewed for and was hired on to an entry level job at a salary of $38,000 with good benefits. I started in November 2011. I have had 2 reviews/raises since then. First one raised me $1000 to $39,000. I was recently reviewed again and received a promotion for which I got an 8% raise. Which really is only a 4 or 5% raise because everyone gets a standard 3 or 4% raise every year. So now I am in this position which should be paying in the $50,000's, yet I am making $42,000 a year.

Everyone at my company seems to like me. I get great reviews every year and meet every challenge I am given. The company has a good reputation and I am working in the company s main building, which has 500+ people working in it.I like everything about my job and employment situation, except my paycheck. I am not some young kid anymore and I am gonna have to support a family. I need to make more money. Considering I was recently promoted, how long do I have to put in before leaving for a competitor, if that is my best option?

Does anyone have any suggestions for me? Thanks






Personal Finance Deals
g: 1 Posted By: archena
Views: 1043 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

But I Don't See You as Asian: Curating Conversations about Race [Kindle Edition] was $9.99

Bruce Reyes-Chow (Author), Laura Garwood Meehan (Editor), Ryan Kemp-Pappan (Illustrator)


http://www.amazon.com/dp/B00D5KAHQO

Publication Date: June 2, 2013

Publisher: BRC Publications

22 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Nonfiction > Politics & Social Sciences > Social Sciences > Discrimination & Racism


In "But I Dont See You as Asian: Curating Conversations About Race" Bruce Reyes-Chow curates a collection of cringe-inducing statements about race such as, If they can say it, why can't I?" "Do you know martial arts?" and Hes a different kind of Black, hoping to turn awkward moments into a dialogue between friends.

Sitting in the sweet spot between lectures in academia and activism on the streets, Bruce invites the reader into a salon type of atmosphere where he directly addresses thoughtless words and diversionary tactics, such as dismissing racial discussions as being impolite or avoiding race conversations altogether. He invites the reader to chuckle, gasp, and perhaps nod in understanding as he lists the kinds of statements often used against persons of color in a predominantly white culture. But rather than stopping there, Bruce asks readers to swap shoes with him and reconsider their assumptions about race.

Useful for individual reading, or as a tool for opening group and community discussions, "But I don't see you as Asian" puts one persons joys and struggles on the table for dissection and discovery.


About the Author

Bruce is a native Northern Californian and 3rd generation Chinese/Filipino who writes and speaks extensively on faith, politics, race and technology.

Bruce graduated from San Francisco State University with a degree in Philosophy, Sociology and Asian American studies, earned his masters degree from San Francisco Theological Seminary and was granted an honorary Doctor of Divinity degree from Austin College.

The author of The Definitive-ish Guide for Using Social Media in the Church, for the past 20 years he has worked with groups and individuals in areas of social justice, church planting, technology and diversity.

Bruce lives in San Francisco, CA with his wife, Robin, his three daughters, Evelyn, Abby and Annie and one very cute canine.
Books & Magazines Deals
g: 1 Posted By: archena
Views: 65 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

But I Don't See You as Asian: Curating Conversations about Race [Kindle Edition] was $9.99

Bruce Reyes-Chow (Author), Laura Garwood Meehan (Editor), Ryan Kemp-Pappan (Illustrator)


http://www.amazon.com/dp/B00D5KAHQO

Publication Date: June 2, 2013

Publisher: BRC Publications

22 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Nonfiction > Politics & Social Sciences > Social Sciences > Discrimination & Racism


In "But I Dont See You as Asian: Curating Conversations About Race" Bruce Reyes-Chow curates a collection of cringe-inducing statements about race such as, If they can say it, why can't I?" "Do you know martial arts?" and Hes a different kind of Black, hoping to turn awkward moments into a dialogue between friends.

Sitting in the sweet spot between lectures in academia and activism on the streets, Bruce invites the reader into a salon type of atmosphere where he directly addresses thoughtless words and diversionary tactics, such as dismissing racial discussions as being impolite or avoiding race conversations altogether. He invites the reader to chuckle, gasp, and perhaps nod in understanding as he lists the kinds of statements often used against persons of color in a predominantly white culture. But rather than stopping there, Bruce asks readers to swap shoes with him and reconsider their assumptions about race.

Useful for individual reading, or as a tool for opening group and community discussions, "But I don't see you as Asian" puts one persons joys and struggles on the table for dissection and discovery.


About the Author

Bruce is a native Northern Californian and 3rd generation Chinese/Filipino who writes and speaks extensively on faith, politics, race and technology.

Bruce graduated from San Francisco State University with a degree in Philosophy, Sociology and Asian American studies, earned his masters degree from San Francisco Theological Seminary and was granted an honorary Doctor of Divinity degree from Austin College.

The author of The Definitive-ish Guide for Using Social Media in the Church, for the past 20 years he has worked with groups and individuals in areas of social justice, church planting, technology and diversity.

Bruce lives in San Francisco, CA with his wife, Robin, his three daughters, Evelyn, Abby and Annie and one very cute canine.
Books & Magazines Deals
Up to 20% OFF Room Rentals at Motel6
Added on : Monday October 14th 2013 12:00:05 PM
g: 0 Posted By: amyortizastic
Views: 196 Replies: 0 My college buddies and I are off to the Festival of the Dead in Salem, Ma. for a serious night of Ghost Hunting, Necromancy with Ouija board and all the works!

Will type this code CP567374 in the Corporate Plus ID at motel6.com for up to 20% slash the rates!

We are so done with the usual get drunk and get lost Halloween. This is gonna be freaky!
Travel Deals Deals

Motel 6 Coupons
g: 0 Posted By: remick
Views: 282 Replies: 0 http://www.amazon.com/dp/B00COGYQOO

A brand new collection of up-to-the-minute personal finance guidance from award-winning columnist Liz Weston 4 authoritative books, now in a convenient e-format, at a great price!

All the realistic, trustworthy money advice you need! 4 up-to-date books from Liz Weston, Americas #1 personal finance columnist

Money! Debt. Credit Scores. Investments. Retirement. College. You need answers you can understand, trust, and actually use! Thats where Liz Weston comes in. In this amazing 4 book collection, Americas #1 personal finance columnist helps you create and execute your own action plan for long-term financial security. No hype, no lectures, no nonsense: just realistic, up-to-the minute help delivered in plain English. Start with the latest edition of Westons nationwide best-seller, Your Credit Score, Fourth Edition complete with brand-new information on protecting (or rebuilding) the 3-digit number that rules your financial life. Learn how todays credit scores work exactly how much skipped payments, bankruptcies, and other actions will lower your score how companies can and cant use your score against you. Get Crucial new information on FAKO alternative scores, short sales, foreclosures, FICO 8 mortgage scores, new credit risks from social networking and mobile banking, and how to fight score-related credit limit reductions or higher rates. Next, in Easy Money, learn how to simplify and take control of your financial life, now and forever! Weston takes on the problem everyone has: the sheer hassle of managing money! Youll find practical guidance and easy checklists for investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your financessave time and moneyand live a more rewarding, secure life. In Deal With Your Debt, Updated & Revised Edition , Weston offers up-to-the-minute help on averting disaster, recovering from serious money setbacks, getting real help, and taking action that works. Weston reveals why its simply impractical to live forever debt free - and why trying to do so can actually make you poorer. Youll find up-to-the-minute strategies for calculating how much debt is safe, and assessing and paying off the right debts first... and if youre too far in debt, Weston will gently and non-judgmentally guide you back into your safety zone. Finally, in There Are No Dumb Questions About Money, Weston offers up-to-date, common sense answers to the financial questions people ask most often. Youll find quick, sensible advice on setting priorities choosing investments saving for college, home-buying, retirement, or other major expenses getting past the pain, arguments, and guilt surrounding money, and doing what works!
Books Deals

Amazon Coupons
g: 0 Posted By: MISTERCHEAP
Views: 194 Replies: 4 http://www.cokezerorewards.com/showLBE.do?id=cokezero&

For each coke zero code you will get

ONE FREE Contest Entry into ESPN.com College Football Sweeps

ONE FREE " " to choose one of 10 prizes

When you enter 5 contest entries in the one of 10 prizes contest, you also receive 20 BONUS MCR POINTS.
Services Deals
Tax beyond exemption - need help
Added on : Saturday October 12th 2013 06:00:08 AM
g: 0 Posted By: thewenson
Views: 85 Replies: 0 This a capital gain tax issue for helping my parent (California)

They bought a large house for $230K about 30 years ago
All children are grown up and moved out.
College costs of children exhausted most of parents savings
They are retiring in about 4 months with only $85K IRA and small emergency fund.

Learning from a retired relative lived on the rent of rental properties, parents hope to downsize and generate rental income with 3 small rental units using one for home themselves. However they dont want to move far away from all their friends around for30 years.

The house is now valued at $1.1M (by a realtor friend)
$90Kcostswill be sale commission (6%) and escrow stuffs (2%+)
Re-financed mortgage balance is ~$310K
Taxable capital gain of home sale = $370K (after $500K exemption)
Small rental units in our area are normally around $250K each
For producing income, all properties should have no loan.

Not only the 370K income would put them in high tax rates, but also the Capital Gain Tax could likely go over $110K!? Federal rate 20% and California State rate 10%+ (Google results so not sure). For less than $600K left, it seems unlikely to reach their 3 units goal.
Deferring the capital gain taxes would make a big difference here (if possible),
Any way to do it?
Tax Deals
g: 0 Posted By: KashisKing
Views: 0 Replies: 0 [All-in-1] HooToo TripMate Wireless N Portable Travel Router (5200mAh Power Bank, USB Storage Wi-Fi Media Sharing, Access Point, Wi-Fi Mini Router & Bridge)

I just ordered one.This thing looks pretty great! Enter code I7GC97HO for $10 off at checkout.$39.99 w/fsss

http://www.amazon.com/gp/product/B00DTPYRTI/

From Description:

Whether you are an International business traveler, road warrior, or a college student living in a dormitory, the NEW HooToo TripMate HT-TM01 is the perfect solution for your tech needs away from home. The TripMate is a wireless router, power bank, wireless USB storage reader, and media sharing device all-in-one! It is small, lightweight and fits easily in your pocket or even the smallest of handbags!
- Instantly convert wired network to wireless (through AP/Router/Bridge Mode)
- Network Attached Storage enabled, easy sharing between USB storage and iOS/Android devices
- Download free app "HooToo TripMate" to share photo/movie/music from iOS and Android devices
- Built-in 5200 mAh external charger to rejuvenate your mobile phones/tablets (Samsung, Apple, etc)
- Platforms: Windows/Mac/iOS/Android
- Admin setup page: Point your browser to 10.10.10.254 after your device is connected with TripMate

Specifications:

- CPU: Ralink RT 5350 MIPS24KEc 360 MHz Flash: 8M SPI FLASH
- WiFi: Frequency: 2.4 GHZ Speed : 72M @ 20MHz / 150M @ 40MHz
- SDRAM:32MB(256Mbit)
- WAN Port: RJ45 Ethernet 100M/s
- Signal Strength: 2dBi(Wi-Fi) - 14dBi(Main Chip)
- Emission(EMI), Safety Certs.: FCC Class B / CE / CEC (California Energy Commission)
g: 0 Posted By: VivYip
Views: 77 Replies: 0 credit dealcatcher via searchalldeals

dailysteals via eBay has this item for $29.99 with free shipping

Casio FX-9750GII Graphing Calculator w/ Unit Conversion & Probability Functions
Product Features:
8-line display with dual screen capability
Direct connection to CASIO projectors
Data transfer from unit-to-unit and from unit-to-computer
Icon-based menu adds to overall intuitive usability
Fast processing speeds result in quicker calculations an enhanced overall performance
Display statistical graphs with ease, including pie charts, bar graphs and more
Graph inequalities using the correct symbols.
Allows for input of multi-variable formulas
Compatible with all of the major college entrance and credit exams
Functions:
Random Integers
Unit Conversion
New types of regressions
Chi-squared GOF Function
9 new probability functions
Pie Charts & Bar Graphs
Graph X=f(Y)
And much more!
What You Get:
Casio FX-9750GII Graphing Calculator - Assorted Colors (Bulk Packaged)

Hope this might help someone. Thank you for reading.
g: 2 Posted By: remick
Views: 179 Replies: 0 http://www.amazon.com/There-Questions-About-Money-ebook/dp/B008ZEO5NG

Up-to-Date, Common-Sense Money Answers, from the Internet's #1 Personal Finance Journalist!

Quick, bite-size advice you can understand, trust, and use
Save for retirement, college, or anything else
Pay off debt, the smart way
By award-winning MSN Money/AARP financial columnist and CNBC contributor Liz Weston

You can build financial security--and you don't need to be a rocket scientist to do it. This book brings together all the help you'll need, in common-sense language anyone can understand. It's organized around the questions real people have asked Liz Weston, the Internet's #1 financial columnist. Weston's answers are simple, accurate, and up-to-date and best of all, you can use them.

Here are powerful, sensible ways to get out of debt set financial priorities for a better life and save for everything from college to retirement. Weston offers realistic, up-to-date help with everything from investing to home buying, from improving your credit score to avoiding identity theft. You'll also learn how to master the emotions of money: to get past the pain, arguments, and guilt, and do what works.
Books Deals

Amazon Coupons
Help me choose best investment option for my kid's education
Added on : Friday October 04th 2013 09:00:09 AM
g: 0 Posted By: valvo23
Views: 89 Replies: 0 Hello. I have 2 kids, currently 3yrs and 1 yr old. We are 36. I've done pretty well so far saving for my wife's and I retirement and now looking to get a better grip on our kid's college fund. Our goal is to save somewhere in the 150 - 200K range total to give the kids. I know that won't cover it all but it would be a good start. We expect to increase the investment amt in future yrs. but let's assume we don't. I currently have a NY 529 account setup for each child that last yr. returned~ 17% RoR. I don't fund these accounts that well at this point. In 20 yrs, this would have around 30K - 40 K in it.
We met with my brother-in-law who works for NE Financial on options. This is 3 he suggested all assuming a rate of 8% interest and paying $300/mo

#1 - Open a variable life insurance policy.Each of use would open a $100K policy. He assumes after 20yrs it would result in about 123K in cash value plus theaddtl life insurance should something were to happen to 1 of us. We already have term life insurance on each of us. This would put us at around 150K for their education. (this option + personal 529)

#2. - Open a Roth IRA in 1 of our names. We could pull out what what's put in w/o penalty which would be 72K in 20 yrs for theiruse and then have around 70K in earnings in the Roth. This would put us at around $105K for their education. (this option + personal 529)

#3 - Open a professionally managed 529 for each kid. After 20yrs, have around $148K in 529.Per B-I-L, thistype of fund is not sheltered when looking for aid so it would beworth at about132K with his figures.This would put us at around $162K for their education. (this option + personal 529)


Which of these would you suggest? I'm not fond of option #1but won't throw it out until I hear others opinions. I'm leaning towards #2. That way if the kids don't go to college, don't need all the funds, etcthe money can be redistributedelsewhere. For #3, is there any advantage w/ having them managea 529 versus mejust sticking with the personal 529s already created?
Any other options that we should look at besides these 3?
Investing Deals
g: 6 Posted By: onlypinkfloyd
Views: 1039 Replies: 7 For those looking at college admissions... Free on kindle
http://www.amazon.com/Beating-Bias-Overcoming-Stereotype-ebook/d...

Totally Free Deals
g: 1 Posted By: onlypinkfloyd
Views: 201 Replies: 2 For those looking at college admissions... Free on kindle
http://www.amazon.com/Beating-Bias-Overcoming-Stereotype-ebook/d...

Books Deals

Amazon Coupons
Wolfgang Puck 12" Cast Iron Braising Pan $29.90 - BJ's in store
Added on : Saturday September 28th 2013 04:00:03 PM
g: 0 Posted By: sat1600
Views: 155 Replies: 0 My BJ's in College Point Queens has the "Wolfgang Puck 12" Cast Iron Braising Pan" on clearance for $29.90.
Closeouts in BJ's are usually for the same for whole chain.
I justmade a pot roast in this pot and it came out awesome

link for reference only


Home & Garden Deals
FREE Kindle Book - Italian Cook Book was $15.95
Added on : Saturday September 28th 2013 10:00:02 AM
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Italian Cook Book [Kindle Edition] was $15.95

Tony Salvitti (Author, Illustrator, Photographer)

http://www.amazon.com/dp/B00BKZCBI8

Publication Date: February 24, 2013

13 Reviews ★★★.5

#1 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Drinks & Beverages > Spirits

#1 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Regional & International > European > Italian

Italian cook book, that is a collection of my family recipes, and ones I have learned over the years through my travels.
It contains the following sections: meat dishes, pasta, vegetables, desserts, seven sauces, healthy eating dishes, plus a section on wine's and the correct one to go with each meal, easy and fun to make dishes that will having you getting hungry in no time!
Illustrated with drawings and photos..

About the Author
Tony Salvitti, is originally from Los Angeles, California, and attended and graduated high school in Kaiserslautern, in Vogelweh West Germany. Where he was trained in Muay Thai-competing against U.S. Army soldiers in the light heavyweight division(later becoming a heavyweight in natural bodybuilding at 230 ripped lbs.), hatha yoga, Judo, and lettered in track and field. From there he went to college, before being recruited in the U.S. Navy in 1981 (with the awesome crew of the U.S.S. Peoria LST-1183 Assualt Squadron Seven San Diego, CA, and later the TWR-1 Diamond Norfolk, VA.) served with pride and honor. Trained in Japan,Korea, and China, in martial arts as well as been a natural heavyweight bodybuilder. Then worked for the U.S. goverment in Langley, VA. until 1986. Trained on the weekends at "Vinces gym" in Studio City, CA. under the tutelage of the great trainer Vince Gironda. Later moving to Norfolk, VA. Becoming a acomplished stone mason, building marble and granite mosuleums, and installing monuments markers, from Virgina Beach, VA. to North Carolina. Also working with nuclear weapons and reactors, as well as the latest in composite materials for aircraft. During which he traveled around the world over 6 times. Became a diver and retrieved torpedos for nuclear fast attack submarines on the east coast of the USA. A devoted student to his late Sifu~Kwan Li, becoming his number one student(and later holding the rank of "Sifu" in both Tai Ch'i Chuan, and Hsing-i Chuan(Xing Yi Quan) training for over 35 years in martial arts. A competitive natural bodybuilder since 1976 and last contest was in Sacrameno, CA. July 22, 2000 "The 2000 INBF Capital City Natural Bodybuilding Championships". Built his first new home in 1985 in Virgnia Beach, VA.(1901 Ripplemead Drive) after getting out of the U.S.Navy active duty. Becoming a freelance writer, and writing technical books and articles for the U.S. Goverment.
He became an avid treasure hunter/metal detecting both on land and under water, as a hobby, which he still does to this day. Some of his other interests and specialities besides natural bodybuilding, Chinese herbalistic medicine, certified master of acupressure, rank of Sifu in Tai Ch'i Chuan, and Hsing-i chuan(Xing Yi Quan),World Black Belt Bureau member,Japanese archery (Kyudo, and Kendo), All types of cooking, wine tasting and gardening fresh food, hypnosis, binaural beat-frequency and brain wave activity, animals,
photography, archeology, rock climbing, drawing, painting, sculpting, woodworking, welding,designing new equipment and devices and exploring distant geographic points of interest and learning about new cultures and customs. The "Black Dragon Ch'i Kung Dojo", is where he will be found teaching students "Ch'i Kung" (Qi Gong), and being a personal trainer to all natural bodybuilders. In addition to this he also writes (for fun) under the following "pen names" Cyrus A. Lobanaid, Milo Monzetta, & Lucas Bach.
His website is:
www.worldbodybuilding.net
FANATICS.COM CLEARANCE SALE 40% OFF + FREE SHIPPING FanaticsRewards
Added on : Friday September 27th 2013 02:00:03 AM
g: 0 Posted By: aamine
Views: 86 Replies: 0 Fanatics.comis having aClearance Sale on select Sports Outlet TeamItems
Free 3-Day Shippingwhen you sign up for their FanaticsRewardsSIGN UP FOR FREE

Clearance Sports Team Sale
MLB TEAMS
NFL TEAMS
NBA TEAMS
NHL TEAMS
COLLEGE TEAMS


Clothing Deals
Fanatics Clearance Sale: Extra 40% off NFL Outlet Items @ Fanatics
Added on : Friday September 27th 2013 12:00:05 AM
g: 1 Posted By: zimphella
Views: 376 Replies: 0 Fanatics Clearance Sale: Extra 40% off NFL Outlet Items @ Fanatics
Shipping adds $4.99Extra 40% off these outlet items as well: MLB OutletNBA OutletNHL OutletCollege Outlet  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Fanatics Coupons
g: 0 Posted By: DrewR
Views: 66 Replies: 0 I just started a new job this week. Company is small (8 employees) and offers a simple IRA with employer match. I have a Roth IRA already but wanted to participate to at least get the company match.

So the rep for our simple IRA came in to meet me today. He is with Morgan Stanley and his title is Certified Financial Planner - Financial Advisor. While talking with him, he indicated multiple times that the only purpose of today's meeting was to get enrolled, so I could start taking advantage of the company match. He said we would have to meet again to discuss my needs, my goals, college saving for my son, etc.

When I asked him about the investment options (I'm mainly looking for low cost, target date index funds) I was basically stonewalled and told that we would need to discuss that later. Then he told me that he wanted to build up 10K in cash reserves in my account before investing anything because it would allow me to be more diversified. This seems like a big red flag me, but I wanted to get FWF input. Thoughts?
Personal Finance Deals
Kindle free 20 eBooks Boundless College Books
Added on : Wednesday September 25th 2013 12:00:08 AM
g: 0 Posted By: Cheapstuffs
Views: 136 Replies: 0 Boundless has 20 free ebooks for college courses.

Linky Amazon index
Totally Free Deals
Back to College Laptop & Accessories Bundle with Laptop, Case & USB Flash Drive  $292.00
Free Amazon Prime for College Students [Extended]
Added on : Sunday September 22nd 2013 09:00:04 PM
g: -1 Posted By: JamesJr8
Views: 198 Replies: 0 For college students with a .edu e-mail, they can sign-up and receive a free prime membership. PLUS, they are entered to win $30,000 in a sweepstakes by Amazon. To sign-up for the free prime, visitthis page.
Services Deals

Amazon Coupons
Football Field Tailgate Toss Cornhole Set $57.99 at Amazon
Added on : Sunday September 22nd 2013 04:00:02 PM
g: 0 Posted By: Ayla
Views: 126 Replies: 0 http://www.amazon.com/Wild-Sports-Football-Tailgate-Toss/dp/B007...


List Price: $99.99

Price: $57.99

FREE Shipping

You Save: $42.00


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

There is one a few dollars cheaper, but I can't find out about the shipping, unless I order it, but the link is:


http://www.valleyseek.com/wild-sports-gttf-1-tailgate-toss-game/...

Price: $53.89

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


The College Football Bean Bag Tailgate Toss Game takes the excitement outside. This football-themed bean bag game can be enjoyed by young and old alike, packs up easily for travel, and includes eight bean bags (two sets of four) and two solid wood boards. Players throw bean bags toward the round hole in the green wooden target board, which highlights a gridiron design with yard lines and all. Score three for landing in the hole, and one for landing on the board. The player or team with the most points wins! Boards are made of solid wood and measure 24W x 36D x 3.5H inches.

Football field theme.

Football field theme
Includes 8 bean bags (2 sets of 4)
Football-style bean bags
2 solid wood boards
Board measures 24W x 36D x 3.5H inches
Packs up easily for travel
Water resistant carry bag with handles
Game Deals

Amazon Coupons
College Planning thoughts
Added on : Saturday September 21st 2013 02:00:09 PM
g: 0 Posted By: VAIndigo
Views: 71 Replies: 0 My daughter is in 5th grade and doing very good with her academics. We live in VA. Also to consider is I have a son aged 4 yrs.

Little late but I plan to start a 529 for her. Considering she is doing good, I want to be prepared for an IVY for undergrad , just in case.
Online tools estimate on average, 4 yr expense at 375k for her for any Ivy school. Being a VA resident my first choice should be VA529 plan. But given this situation, prePaid mayn't make sense. investPlan has a minimum expense at 0.35% with limited investment options. But the good part is I could get 5.75% state tax deduction on 5k per year which amounts to $280 per year. Of course that can be bumped up by opening multiple accounts.
Assuming I contribute 140k (presumed limit according to NY Vanguard plan), my total savings will be $8k

Comparing that to NY Vanguard plan

Expense ratio is 0.17% but I will not get state tax credit. More investment choice compared to VA plan.

Not sure to go with VA plan or NY plan.

Also total expenses being around 375k, how can we reach that contribution in next few years as there are contribution limits.

Am i missing any other innovative options... appreciate any insights.

I hear that grandparents could open an account and fund and could be better for aid evaluations. But in our case her GPs are outside US. Can they open and fund 529 in that case? Is there a considerable advantage for GPs to open an account with my daughter as beneficiary , how does it helps with aid? Better yet, can GPs open me or my wife as beneficiary so that funds wouldn't be traced to my daughters aid evaluation?

Appreciate ur inputs.
Personal Finance Deals
Kindle - more free books - academic/college
Added on : Friday September 20th 2013 07:00:04 AM
g: 1 Posted By: guilty1
Views: 380 Replies: 0 Amazon has PLENTY of free academic books now.

Calculus, Algebra, Statistics, Chemistry, Writing, Finance, Accounting, US History, Microbiology, Sociology, Art History, etc.

Don't know the quality, but for free, "buy" them all.

Here's the link: here

Scroll down to "customers who also bought this item"
Books Deals

Amazon Coupons
REI ends generous return policy
Added on : Tuesday September 17th 2013 12:00:08 PM
g: 0 Posted By: avalon6
Views: 0 Replies: 0 Sign of things to come? Apparently a few people were returning knock offs and used items bought from garage sales to REI for cash. Article claims people made enough money to pay their mortgages and college tuition.

http://online.wsj.com/article/SB10001424127887324549004579068991226997928.html
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
Why Generation Y Yuppies are Unhappy
Added on : Monday September 16th 2013 05:00:05 PM
g: 0 Posted By: bigdinkel
Views: 187 Replies: 2 Pretty interesting article here and I agree with a majority of it. As a Generation Y or "Millenial" I think we've been nurtured to think that if we work hard and try our best then the Sky is the Limit. I'm thankful to be a college graduate and have a good standard of living, but I am not as delusional to think that the dividends of hard work come overnight. I do feel "special" but that doesn't mean that I should ever receive special treatment. I feel "special" because of the unique talents and abilities I've been given. Overall, this article is pretty accurate of my Generation.



http://www.huffingtonpost.com/wait-but-why/generation-y-unhappy_b_3930620.html
Discussion Deals
Let's make the cheapest college budget possible.
Added on : Monday September 16th 2013 04:00:11 PM
g: 0 Posted By: Gauss44
Views: 55 Replies: 0 Let's make the cheapest college budget possible. My cheapest thinking is below. Please contribute.

-Tuition and student fees: Stuck with what they charge.

-Books and school supplies: Make a list in advance and try to buy while on sale, from another student*, or from eBay.

-Rent: Look into affordable housing, housemates (possibly problematic if they move out or become nuisances), rent control, and starting a lease in the winter or early summer.

-Internet: Switch frequently to get promotions.

-Phone: Magic Jack

-Cable $0 (Watch shows on computer.)

-Utilities: Buy energy-efficient lamps and energy-saving power strips. Clean the pipes on the back of refrigerator (from Gail Vaz Oxlade's website).

-Food: (Time is money, so effortless is good.) Peanut butter and jelly, bean burritos, pasta and nutritious sauce, ramon, farmer's market on rainy days (for discounts), stock-up sales,

-Casual Clothes: Second-hand, except for a few special outfits.

-Toiletries: Sales and regular search of Fat Wallet freebies.

-Furniture: Craigslist freebies. Yard sales.

-Hardware: Sales.

-Cleaning or cleaning supplies: Sales.

-Gym: $10 a month after free trials run out. The free trials only last so long; however, there are a lot in the Free Stuff section on FW and on gyms' websites.

-Transportation: Walking and biking.

-Dry cleaning: $100 a year (I'm guessing I won't need that much.)

-Hair cuts: $25 every 3 months. Only cut it when it's least acceptable.

-Retirement: Hold off on contributions while in school? Hum. Only use that as tax-bracket control? (Invest financial aid? ...probably either risky or a bad interest rate.)

-Gifts: Write letters instead.

-Entertainment: Order cheaper and fewer things on the menu. Drink drinks slowly so you don't buy as many.

-Medical: Get medical and dental insurance. Is there tax benefit available to unemployed students, like a type of tax-free medical savings account?

*I'm surprised no one's made a website exclusively for students to exchange books with one another, or sell them from student to student. I won't be doing it because I have no computer skills.

Discussion Deals
Employer Dillema
Added on : Saturday September 14th 2013 08:00:05 AM
g: 0 Posted By: petenth
Views: 139 Replies: 3 My sister works for a daycare(franchise) which is not so professional environment. She makes minimum wage and she notified the owner that she will be going back to college for pre-med. She worked there for the summer. Her last day was Aug. 16. Up to this day they have not send her last paycheck. She has talked to the supervisor last week and said that he will mail the check last Saturday but up to this day she has not received the check. What should she do now? It has been three weeks. The daycare was cited during the summer for a violation. My sister is afraid that they might not pay her. The check is for $900
Personal Finance Deals
Free 2014 Stossel In The Classroom DVD for Educators
Added on : Wednesday September 11th 2013 06:00:09 AM
g: 0 Posted By: remick
Views: 185 Replies: 0 http://www.stosselintheclassroom.org/freedvd/
Includes eight segments from John Stossel's television programs.College Tuition and Campus Luxuries
Product Liability Lawsuits: Who Gets Burned?
High Speed Rail: Boondocks & Boondoggles
Food Nannies: Who Decides What You Eat?
The Psychology Behind Political Campaigns
Totally Free Deals
g: 56 Posted By: remick
Views: 5091 Replies: 14 Newly free as of today - may not be tomorrow.


Accounting[PrintReplica][KindleEdition]
thttp://www.amazon.com/Accounting-ebook/dp/B00EZYZPQQ

Algebra[PrintReplica][KindleEdition]
http://www.amazon.com/Algebra-ebook/dp/B00EZYZRKK

ArtHistory,VolumeI:Prehistoric-1400[PrintReplica][KindleEdition]
http://www.amazon.com/Art-History-Volume-Prehistoric-1400-ebook/dp/B00EZYZ2QY

ArtHistory,VolumeII:1400-Present[PrintReplica][KindleEdition]
http://www.amazon.com/Art-History-Volume-1400-Present-ebook/dp/B00EZYZ34U

Business[PrintReplica][KindleEdition]
http://www.amazon.com/Business-ebook/dp/B00EZYZ930

Calculus[PrintReplica][KindleEdition]
http://www.amazon.com/Calculus-ebook/dp/B00EZYZG7Y

Chemistry[PrintReplica][KindleEdition]
http://www.amazon.com/gp/product/B00EZYZK2K

Communications[PrintReplica][KindleEdition]
http://www.amazon.com/Communications-ebook/dp/B00EZYYRQU

Finance[PrintReplica][KindleEdition]
http://www.amazon.com/Finance-ebook/dp/B00EZYZ5EI

Management[PrintReplica][KindleEdition
]http://www.amazon.com/Management-ebook/dp/B00EZYZMFK

Marketing[PrintReplica][KindleEdition]
http://www.amazon.com/Marketing-ebook/dp/B00EZYZ7VO

Microbiology[PrintReplica][KindleEdition]
http://www.amazon.com/Microbiology-ebook/dp/B00EZYZRXM

Sociology[PrintReplica][KindleEdition]
http://www.amazon.com/Sociology-ebook/dp/B00EZYZBFG

Statistics[PrintReplica][KindleEdition]
http://www.amazon.com/Statistics-ebook/dp/B00EZYYULW

U.S.History,VolumeI:Pre-1492-1865[PrintReplica][KindleEdition]
http://www.amazon.com/U-S-History-Volume-Pre-1492-1865-ebook/dp/B00EUG11FS

U.S.History,VolumeII:1865-Present[PrintReplica][KindleEdition]
http://www.amazon.com/U-S-History-Volume-1865-Present-ebook/dp/B00EZYYYMC

Writing[PrintReplica][KindleEdition]
http://www.amazon.com/Writing-ebook/dp/B00EZYZC3M


Books Deals

Amazon Coupons
17 (now 20) Free college-level introductory textbooks - Kindle
Added on : Saturday September 07th 2013 06:00:04 PM
g: 39 Posted By: remick
Views: 2961 Replies: 6 Newly free as of today - may not be tomorrow.


Accounting[PrintReplica][KindleEdition]
thttp://www.amazon.com/Accounting-ebook/dp/B00EZYZPQQ

Algebra[PrintReplica][KindleEdition]
http://www.amazon.com/Algebra-ebook/dp/B00EZYZRKK

ArtHistory,VolumeI:Prehistoric-1400[PrintReplica][KindleEdition]
http://www.amazon.com/Art-History-Volume-Prehistoric-1400-ebook/dp/B00EZYZ2QY

ArtHistory,VolumeII:1400-Present[PrintReplica][KindleEdition]
http://www.amazon.com/Art-History-Volume-1400-Present-ebook/dp/B00EZYZ34U

Business[PrintReplica][KindleEdition]
http://www.amazon.com/Business-ebook/dp/B00EZYZ930

Calculus[PrintReplica][KindleEdition]
http://www.amazon.com/Calculus-ebook/dp/B00EZYZG7Y

Chemistry[PrintReplica][KindleEdition]
http://www.amazon.com/gp/product/B00EZYZK2K

Communications[PrintReplica][KindleEdition]
http://www.amazon.com/Communications-ebook/dp/B00EZYYRQU

Finance[PrintReplica][KindleEdition]
http://www.amazon.com/Finance-ebook/dp/B00EZYZ5EI

Management[PrintReplica][KindleEdition
]http://www.amazon.com/Management-ebook/dp/B00EZYZMFK

Marketing[PrintReplica][KindleEdition]
http://www.amazon.com/Marketing-ebook/dp/B00EZYZ7VO

Microbiology[PrintReplica][KindleEdition]
http://www.amazon.com/Microbiology-ebook/dp/B00EZYZRXM

Sociology[PrintReplica][KindleEdition]
http://www.amazon.com/Sociology-ebook/dp/B00EZYZBFG

Statistics[PrintReplica][KindleEdition]
http://www.amazon.com/Statistics-ebook/dp/B00EZYYULW

U.S.History,VolumeI:Pre-1492-1865[PrintReplica][KindleEdition]
http://www.amazon.com/U-S-History-Volume-Pre-1492-1865-ebook/dp/B00EUG11FS

U.S.History,VolumeII:1865-Present[PrintReplica][KindleEdition]
http://www.amazon.com/U-S-History-Volume-1865-Present-ebook/dp/B00EZYYYMC

Writing[PrintReplica][KindleEdition]
http://www.amazon.com/Writing-ebook/dp/B00EZYZC3M


Books Deals

Amazon Coupons
17 (now 19) Free college-level introductory textbooks - Kindle
Added on : Saturday September 07th 2013 01:00:04 PM
g: 16 Posted By: remick
Views: 1082 Replies: 0 Newly free as of today - may not be tomorrow.


Accounting[PrintReplica][KindleEdition]
thttp://www.amazon.com/Accounting-ebook/dp/B00EZYZPQQ

Algebra[PrintReplica][KindleEdition]
http://www.amazon.com/Algebra-ebook/dp/B00EZYZRKK

ArtHistory,VolumeI:Prehistoric-1400[PrintReplica][KindleEdition]
http://www.amazon.com/Art-History-Volume-Prehistoric-1400-ebook/dp/B00EZYZ2QY

ArtHistory,VolumeII:1400-Present[PrintReplica][KindleEdition]
http://www.amazon.com/Art-History-Volume-1400-Present-ebook/dp/B00EZYZ34U

Business[PrintReplica][KindleEdition]
http://www.amazon.com/Business-ebook/dp/B00EZYZ930

Calculus[PrintReplica][KindleEdition]
http://www.amazon.com/Calculus-ebook/dp/B00EZYZG7Y

Chemistry[PrintReplica][KindleEdition]
http://www.amazon.com/gp/product/B00EZYZK2K

Communications[PrintReplica][KindleEdition]
http://www.amazon.com/Communications-ebook/dp/B00EZYYRQU

Finance[PrintReplica][KindleEdition]
http://www.amazon.com/Finance-ebook/dp/B00EZYZ5EI

Management[PrintReplica][KindleEdition
]http://www.amazon.com/Management-ebook/dp/B00EZYZMFK

Marketing[PrintReplica][KindleEdition]
http://www.amazon.com/Marketing-ebook/dp/B00EZYZ7VO

Microbiology[PrintReplica][KindleEdition]
http://www.amazon.com/Microbiology-ebook/dp/B00EZYZRXM

Sociology[PrintReplica][KindleEdition]
http://www.amazon.com/Sociology-ebook/dp/B00EZYZBFG

Statistics[PrintReplica][KindleEdition]
http://www.amazon.com/Statistics-ebook/dp/B00EZYYULW

U.S.History,VolumeI:Pre-1492-1865[PrintReplica][KindleEdition]
http://www.amazon.com/U-S-History-Volume-Pre-1492-1865-ebook/dp/B00EUG11FS

U.S.History,VolumeII:1865-Present[PrintReplica][KindleEdition]
http://www.amazon.com/U-S-History-Volume-1865-Present-ebook/dp/B00EZYYYMC

Writing[PrintReplica][KindleEdition]
http://www.amazon.com/Writing-ebook/dp/B00EZYZC3M


Books Deals

Amazon Coupons
17 Free college-level introductory textbooks - Kindle
Added on : Saturday September 07th 2013 10:00:07 AM
g: 0 Posted By: remick
Views: 41 Replies: 0 Free at the time of posting


Accounting[PrintReplica][KindleEdition]
thttp://www.amazon.com/Accounting-ebook/dp/B00EZYZPQQ

Algebra[PrintReplica][KindleEdition]
http://www.amazon.com/Algebra-ebook/dp/B00EZYZRKK

ArtHistory,VolumeI:Prehistoric-1400[PrintReplica][KindleEdition]
http://www.amazon.com/Art-History-Volume-Prehistoric-1400-ebook/dp/B00EZYZ2QY

ArtHistory,VolumeII:1400-Present[PrintReplica][KindleEdition]
http://www.amazon.com/Art-History-Volume-1400-Present-ebook/dp/B00EZYZ34U

Business[PrintReplica][KindleEdition]
http://www.amazon.com/Business-ebook/dp/B00EZYZ930

Calculus[PrintReplica][KindleEdition]
http://www.amazon.com/Calculus-ebook/dp/B00EZYZG7Y

Chemistry[PrintReplica][KindleEdition]
http://www.amazon.com/gp/product/B00EZYZK2K

Communications[PrintReplica][KindleEdition]
http://www.amazon.com/Communications-ebook/dp/B00EZYYRQU

Finance[PrintReplica][KindleEdition]
http://www.amazon.com/Finance-ebook/dp/B00EZYZ5EI

Management[PrintReplica][KindleEdition
]http://www.amazon.com/Management-ebook/dp/B00EZYZMFK

Marketing[PrintReplica][KindleEdition]
http://www.amazon.com/Marketing-ebook/dp/B00EZYZ7VO

Microbiology[PrintReplica][KindleEdition]
http://www.amazon.com/Microbiology-ebook/dp/B00EZYZRXM

Sociology[PrintReplica][KindleEdition]
http://www.amazon.com/Sociology-ebook/dp/B00EZYZBFG

Statistics[PrintReplica][KindleEdition]
http://www.amazon.com/Statistics-ebook/dp/B00EZYYULW

U.S.History,VolumeI:Pre-1492-1865[PrintReplica][KindleEdition]
http://www.amazon.com/U-S-History-Volume-Pre-1492-1865-ebook/dp/B00EUG11FS

U.S.History,VolumeII:1865-Present[PrintReplica][KindleEdition]
http://www.amazon.com/U-S-History-Volume-1865-Present-ebook/dp/B00EZYYYMC

Writing[PrintReplica][KindleEdition]
http://www.amazon.com/Writing-ebook/dp/B00EZYZC3M


Books Deals

Amazon Coupons
Wells Fargo College unsecure card any good?
Added on : Saturday September 07th 2013 09:00:04 AM
g: 0 Posted By: gremlin477
Views: 4 Replies: 0 I have any credit history at all, have never owned a card, and am 22. My banker at Wells Fargo said since I have a job, go to college full time and have banked there for years, I could get their unsecure college card. Would you suggest I do this (it's only 1% back) or go with another? If another, could which would you suggest? Do you think they would take anybody with little history for their college card?

One of the reasons why I was considering the Wells Fargo card was because my other accounts are already there and it would be easy to transfer money from my checking to the credit to pay off bills. To pay off bills from one bank's checking to another's credit, is that a pain or can it all be done electronically? I might switch banks all together one day if that won't hurt my credit score.

I thought the citi and the discover it looked like good deals, but I'm not sure if they would accept me or if the rotating 5% backs choose bad categories or not.

I've looked at the which card is best thread, but I don't know how these factors can be weighed in there. This is my first post here, so correct me if I'm doing things wrong.

Thank you.
Credit Deals
Vacation and Luxury Spending - First World Problems
Added on : Friday September 06th 2013 12:00:07 PM
g: 0 Posted By: Horseymen
Views: 235 Replies: 3 Fatwallet Friends,

I have spent a lot of time thinking about this over the last few weeks - and I have even done quite a bit of research on this. I know there is no right answer to the questions I will pose, but perhaps hearing different people's philosophies toward it can be helpful.

There was a thread similar to this on a Disney Board with good datapoints, but I find these people are different than Fatwalleters:

http://www.disboards.com/showthread.php?t=2661952&page=1

The question is in essence - how much will you allow yourself to spend on luxury items like vacations? What rules would you apply in different scenarios?

I grew up extremely poor - our household income growing up was probably 15,000 as a family, so the idea of spending $15,000 dollars for ONE vacation is a bit nauseating to me. I have been collecting miles - and have over nearly a million miles - but if dates don't line up and things to that end - you gotta pay for airfare and things to that end. But, one thing I've learned from reading many threads is that the one thing that people will spend money on are experiences. I try to budget miles like cash, so I don't want to spend miles if I'm only going to get a penny a point value - I try to save the miles for the saver flights.

My personal situation - we are debt free other than the mortgage. As my primary job is a college professor, I have 4 months a year to basically travel. (3 months in summer, 1 month in December/January - and Spring Break). As a family (wife, me, 2 kids), we value traveling and enjoy it. I don't have any other hobbies, and really don't spend much on anything else.

We love traveling but have been doing it super cheap. We have used timeshare deals, last minute traveling and driving instead of flying to score some killer deals on travel. This past summer, we spent 7 straight weeks on "vacation" - at Marriott's, Disney resorts using RCI points, Starwood hotels while driving - and probably only spent about $7000 dollars (entertainment, hotel cost, gas cost, car rental) for 7 weeks - I ignore food in that budget because at most timeshares, we shopped and ate at the condo and we were going to eat anyway. To me, I can wrap my head around that because there's value - just about everything was a good deal (had a friend get us in Disney on a military pass, scored great deal on the minivan, used 5% cards for gas, used points when we stayed in hotels, etc..). I'm thinking a 7 week trip to Europe next summer could run as high as 20-25k.

We are now to the point where we have been to 49 of the 50 states. We've done Disney. We've done oceans and beaches. It's time for international travel. It's time for Hawaii. It's time for that world. Even though we have the money, I can't wrap myself around $4,000 dollar flights for 4 people (just in Coach!) - or multi-thousand dollar cruises. I know many of you would then say "Use miles!" - but generally speaking, as a teacher, most of my travel availability is when everyone else is traveling, so good luck finding a trip to hawaii one can use on miles from December 13th to 21st, for instance.

It would be helpful to know some of the rules that middle class to upper middle class people use - and maybe you don't value travel - but might have a hobby that is expensive similarly that you do value. We make around 150-175k a year - and generally after retirement and bills/utilities have anywhere between 2k and 4k left over in a month. We recently (in the last couple of months) just became debt free. We could easily have a $25,000 dollar a year travel budget putting aside $2000 a month - but is this ridiculous? Should one wait until literally every bill (including the mortgage) is paid off before starting to do that level of travel/luxury spending? Would you require a certain level in 401k's before doing this? What rules have you applied to the financing of things you value? If you're a deal hunter like me - will you forego a trip because there's no deal available? Or do it because it's what you want to do?

Like I said, I know there are no "right" answers to this, but hearing how others handle this could be helpful in developing my own philosophy - since this wasn't something I necessarily had growing up or even have friends who role model this type of behavior. I know many of you are very financially fortunate and well off and may have had a chance to develop philosophies on this.

I don't want to be the one at 60 who says "I wish I would have seen the Great Wall of China.." - but I don't want to be stupid and extravagant, either..
Personal Finance Deals
g: 0 Posted By: archena
Views: 158 Replies: 0 Did not see this posted please lock if repost.

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

50 Ways to Protect Your Identity in a Digital Age: New Financial Threats You Need to Know and How to Avoid Them (2nd Edition) [Kindle Edition] was $25.99

Steve Weisman (Author)

http://www.amazon.com/dp/B009PM8XOY

Publication Date: October 10, 2012

Publisher: FT Press

55 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing

It is better to stop identity theft from happening in the first place than have to fix or repair the situation afterwards. Steve Weisman reveals the threats of new identity theft attacks based on use of Facebook, iPad, iPhone, Android, cloud apps, iPod, and other new technologies -- and shows you how to protect yourself, or how to fix the damage if you've already been attacked! Discover why ID theft is more dangerous than ever, and discover today's most dangerous new threats -- including attacks targeting medical records, personal finance and online banking sites, the elderly, and military service members. Meet the hackers and organized crime groups who want to steal your identity and money -- and learn how to protect your data and your life! Step by step, Weisman shows how to avoid risks, minimize risks you can't completely avoid, and immediately take the right steps if you're ever victimized. He objectively reviews new products and services that promise to fight identity theft, and previews emerging dangers, such as RFID credit cards. If you use a computer, the Internet, a smartphone, cell phone, tablet, or any other communications device, 50 Ways to Protect Your Identity in a Digital Age isn't just an indispensable wake-up call: it's the world's best resource for protecting yourself!


Protect Yourself from Todays Dangerous New Forms of Identity Theft!
● Prevent new ID attacks via Facebook, smartphones, iPads, Wi-Fi, and the cloud
● Offers todays best techniques for fixing damage after youve been attacked
● Objectively reviews products that claim to help you prevent identity theft

Identity theft is more dangerous than ever! The bad guys are smarter, more sophisticated, more organized--and as we live more of our lives online, were exposing far more personal information to them. Now, identity theft expert Steve Weisman reveals todays worst new threats and helps you systematically reduce your vulnerabilities.

Weisman shows how social media, mobile devices, and the cloud have created major new dangers and how groups ranging from local hackers to foreign organized crime syndicates are exploiting them. He offers indispensable new guidance for avoiding risks, minimizing risks that cant be completely avoided, and quickly halting the damage after an attack.

Packed with checklists, sample letters, and other practical tools, this is todays one indispensable guide to protecting what matters most: your identity!

Includes exclusive must-read information about new attacks on
● Senior citizens
● Children
● Military service members
● Anyone whos recently visited a doctor or hospital

About the Author
Steve Weisman hosts the radio show A Touch of Grey, syndicated to 50+ stations nationwide, including WABC (NYC) and KRLA (LA). A senior lecturer at Bentley College, he is a member of the National Academy of Elder Law Attorneys and is admitted to practice before the U.S. Supreme Court. The legal editor for Talkers Magazine and a monthly columnist for the American Institute of Economic Research, he writes for publications ranging from The Boston Globe to Playboy and earned an ABA Certificate of Merit for excellence in legal journalism. His books include The Truth About Avoiding Scams, featured on Dr. Phil and CNN. Weisman holds a J.D. degree from Boston College Law School. He also operates the website www.scamicide.com, which provides the latest information on scams and identity theft.
Books Deals

Amazon Coupons
g: 0 Posted By: elfrozo
Views: 21 Replies: 0 Hi All,

I've posted a question on here before and got ripped to shreds but learned a lot so I'm going to do it again. I have worked at a few different universities over the last few years and have some ideas on how to get through quicker and cheaper that most students do not know of.

I am considering writing a book or e-book to compile all the different ideas I have. It would be titled something like "The Savvy Student's Guide to Completing College Faster and Cheaper". The book would have several different ideas like:

- Using AP and community colleges to get the first 60 credits (two years) cheaply
- Buying and selling books online and how to spend less than $50 each semester on books
- How to split up classes to get the maximum credits each semester without compromising grades
- How to build and utilize relationships with professors
-Various scholarship and financial aid tips and tricks. Other little know sources of money for students
- Cheap housing and obtaining jobs with campus housing to live for free
- How to take the maximum advantage of university resources
- How to keep food and transportation costs to a minimum
- Jobs that allow one to study while working and how to get them
- Identifying the best major for the job market. Which majors to get student loans for and which majors to either stay away from or make sure not to get loans for.

I have several other ideas that may be common sense to folks on here but may not be for the average student.

My questions are:

1. Do you think a book like this would be useful? I haven't really seen anything like this out there put together in one spot.
2. Is there anyway to make a little money off this without charging students too much to buy the book?
3. Would any company be interested in publishing something like this or is it better just to do an e-book?

Basically, I'm trying to figure out whether something like this might be worth spending my time on putting together or whether it's not really interesting or useful material.

Thank you in advance for any and all suggestions.










Personal Finance Deals
Staples Ad 9/8 - 9/14 : 25, 50, $1, $1.50 school deals ; paper deals
Added on : Sunday September 01st 2013 12:00:02 PM
g: 2 Posted By: usernamemax20charact
Views: 134 Replies: 1 Staples 1 subject wide ruled 8 x 10.5 70-sheet notebook= 25
321463
limit 6
above limit price is 50



roseart crayons 24 pack = 50
504550
limit 2



Staples lined 3 x 5 index cards = 50
296608
limit 2



Staples glue stick 4 pack = $1
334641 - clear
334823 - colored
limit 2



binder clips 15 pack = $1
assorted skus
limit 2



5.5 x 8.5 dry erase board with marker = $1
364495
limit 2



Staples wireless notebook 8.5 x 11 80 sheets = $1
421133
limit 2



colored paper clips 120 pack = $1
assorted skus
limit 2



Staples stickies 1/2" tape 125 pac = $1
474649
limit 2



paper mate magic rub erasers 3 pack = $1
421271
limit 2



hammermill copyplus copy paper = $6.99 - $3.99 ER = $3
122408
in store only
limit 4 rebates per household



Staples 8.5 x 11 multipurpose paper 10 ream case = $49.99 - $25 ER = $24.99
513096
in store only
limit 2 rebates per household



sandisk cruzer glide 16GB usb drive = $7.87
654676



50% off all backpacks
in store only
assorted skus
whiles supplies last
excludes clearance



Staples accel 100-sheet 1 subject wide or college ruled notebooks = $1.50
assorted skus
in store only



Staples brights colored paper = buy 1 get 1 free
assorted skus
in store only
valid on same sku only
excludes clearance



avery 5160 laser and 8160 inkjet address labels = 50% off after ER
limit 1 rebate per household




Office & School Supplies Deals

Staples Coupons
g: -1 Posted By: mamamoss
Views: 322 Replies: 0 http://http://www.walmart.com/ip/Tide-Back-To-College-Laundry-Value-Bundle-with-BONUS-Bounce-Dryer-Sheets/26935108

Includes your choice of (1) 31 count package of Tide Pods
1 container of your choice of Downy Unstopables
1 box of either 80 ct. or 105 ct. box of Bounce Dryer Sheets

FS to home


Home & Garden Deals

Walmart Coupons
g: 0 Posted By: mamamoss
Views: 0 Replies: 0 http://http://www.walmart.com/ip/Tide-Back-To-College-Laundry-Value-Bundle-with-BONUS-Bounce-Dryer-Sheets/26935108

Includes your choice of (1) 31 count package of Tide Pods
1 container of your choice of Downy Unstopables
1 box of either 80 ct. or 105 ct. box of Bounce Dryer Sheets

FS to home

g: 0 Posted By: Virgil27
Views: 157 Replies: 0 Back to College Desktop Bundle with Desktop PC, Monitor and Printer @ Walmart - From $406.88
Free Shipping!Did you get all the way to your dorm, only to discover your set-up is not accident-poof, root beer proof or maybe just not roommate proof? Replacing your desktop is easy with this bundle is easy which includes  eight desktops, seven monitors and nine printers to choose from with Cash Back and Free Shipping! (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Desktop Computer Deals

Walmart Coupons
Tailgaters Special: NCAA Plush Blankets for $32.99 + $4.99 shipping
Added on : Friday August 30th 2013 02:00:02 AM
g: 0 Posted By: Deals4mykids
Views: 146 Replies: 0 Tailgaters Special: NCAA Plush Blankets for $32.99 + $4.99 shippingNCAA Royal Plush Blanket (60" X 80"). Official team logo and color of your favorite teams!
https://www.tanga.com/deals/tailgaters-special-ncaa-plush-blanke...

This officially licensed design is perfect for the die-hard college sports fan.

Show off your favorite alma mater! Your teams logo features big and bold in bright, eye-catching color.

These super warm and plush throws are known for their rich saturated colors, and exceptional durability.

Blankets will retain your favorite teams colors even after repeated machine washing.

Bedding Deals

Tanga Coupons
Private college loans please help I've hid for too long
Added on : Wednesday August 28th 2013 11:00:07 AM
g: 0 Posted By: Dago84
Views: 231 Replies: 3 P { margin-bottom: 0.08in; }Hello I have some questions regarding my student loans. I know there are government loans and private loans. My government loans were garnished until a certain period of time, and then I proceeded to pay them off (on top of my garnishments). The private loans are held through Sallie Mae, and being that they're private they do not garnish. Instead, Sallie Mae has continued to hit me with very high interest rates at which are doubling and tripling my total amount due over the years. I can no longer run and hide, the more I hide the sooner my loans reach $100k mark. I am confused and not sure what to do, it seems if I start paying I will simply be paying the interest for years and years prior to even touching the principal amount due. Onto my question, and I have to ask because I don't know what to do. I have been told by many people that after 7 years and (3-4 months) private loans will fall off of my credit report. I am coming here to see if there is any truth to this and or what I should do to increase my score.I'm financially stable at this point and need to get the credit score addressed immediately for it is affecting many points in my life. If this means tackling the loans head on, then so be it. It will be a long while before they are paid, but if that's what needs done so be it.If you all tell me I should start paying them, will I see a increase in my score once I start making payments? Thanks all, sorry it's so brief but figured you didn't want a long read. Thank you all, if there is any information you need please let me know. Apprecaite any advice you can offer I'm simply looking for the most cost affective and best way to increase my score. Sadly I didn't even finish college due to a job offer at which I couldn't pass up and I am currently still employed with said company.
Thanks all
Personal Finance Deals
Free/Close to Free Yearly Magazine Subscriptions
Added on : Wednesday August 28th 2013 09:00:12 AM
g: 0 Posted By: beasport
Views: 134 Replies: 1 NEW Maxim Magazine (2yr sub)
http://www.twwservices.com/maxim.php

NEW Stuff Magazine (2yr sub)
http://www.twwservices.com/stuff.php

Stuff Magazine (1yr - for renewals only) + the one above = 3 yrs
http://www.discountmags.com/subscriptions.php

Big Rig Owner Magazine (1yr sub)
http://www.bigrigowner.com/requests/subscribe.html

Computer Shopper Magazine (1yr sub - digital format)
http://www.freebizmag.com/emailcompushop01welcome.htm

NEW CE Lifestyles (6mth sub)
http://www.freebizmag.com/emailcesix01welcome.htm

Estylo Magazine (1yr sub)
http://www.freebizmag.com/emailestylomag01welcome.htm

Scuba Diving Magazine (1yr)
http://www.freebizmag.com/emailscubadiving01welcome.htm

MAXIM Magazine (1yr)
http://maxim.freebiepeople.com/index.cfm?mbaffid=2939

Biography (Channel) Magazine (1 yr sub)
http://www.biographyclub.com/registration.cfm

Assets Magazine (1 yr sub)
http://www.assetsmagazine.com/subscribe.html

Drive Performance Magazine (2 year sub)
http://www.driveperformancesubaru.com/DrivePerformanceSignUp.aspx

Go Boating Magazine (1 yr sub)
http://www.boatowners.com/goboatingnew.htm

American Baby Magazine (1 year sub)
https://secure.americanbaby.com/bhg/store/checkout/partner/?promoCode=I401VADF4&ordersrc=webclients

Travel America Magazine (1 year sub)
http://www.freebizmag.com/emailtravel01welcome.htm

Wine Enthusiast Magazine (1 year sub)
http://www.freebizmag.com/wineenthusiastad03welcome.htm

Remedy Magazine (3 year sub)
http://www.omeda.com/cgi-win/rx.cgi?p=realage

Muscle Car News Magazine (1 year sub)
http://www.musclecarnews.com/magsub.php

Redmond Magazine
http://www.mcpmag.com/subscribe/free/

New England Bride Magazine (1 year sub)
http://www.nebride.com/asp/register/register.asp

Computer Gaming Magazine (1 yr sub)
http://www.freebizmag.com/computergamesad03welcome.htm

Dance Magazine (1 yr sub)
http://www.magazine-city.net/dance/dance.asp

Caribbean Adventure Magazine (1 yr sub)
http://www.caribbeanadventure.com/subscribe.htm

Military & Aerospace Electronics Magazine (digital or print format)
http://www.omeda.com/cgi-win/mae.cgi?ADD

Discovery Medicine Magazine (1 yr sub)
http://www.freebizmag.com/erewardshealth01welcome.htm?FT=BPJQGTJE59M39

Digital Juice Magazine
http://www.digitaljuice.com/subscribe/default.asp

Baseline Magazine (free 1 yr sub - $205 value)
http://www.omeda.com/ziff/bsl/bsl.cgi?&p=CUSTADD

Fly Tyer Magazine (free 1 yr sub)
http://www.freebizmag.com/flytyerad03welcome.htm

TechNet Magazine (1 yr sub)
http://www.technetmagsubs.com/

Upscale Magazine (1 yr sub)
http://www.freebizmag.com/emailupscale02welcome.htm

Network World Magazine &/or Network Life Magazine
https://www.subscribenw.com/subscribe/PrintSubscription?PAGE_REQUEST=NewSub&code=em43

Permission to Hunt's Ultimate Outdoors Magazine (1 yr sub)
http://www.permissiontohunt.com/land_locator/subscribe.htm

Interview Magazine (1 yr sub)
http://www.freebizmag.com/emailbrantimag01welcome.htm

Life Extension Magazine (1yr)
http://www.magazine-city.net/lifeextension/lifeextension.asp

Music Tracks Magazine (1 yr sub)
http://www.towerrecords.com/tracks/default.asp?

Automotive Engineering Magazine
http://associates.tradepub.com/free/au/

Golf Week Magazine (1yr sub)
http://www.freebizmag.com/golfweekad03welcome.htm

LEGO Kids Magazine (2 yr sub)
http://club.lego.com/eng/magazine/subscription.asp

Motorcycle Product News Magazine (USA & Canada)
http://associates.tradepub.com/free/mpw

FireHouse Magazine
http://associates.tradepub.com/free/fh/

Vitals Magazine
https://www.pubservice.com/subcnew1.asp?PC=VT

The New York Observer Newspaper (1 yr sub)
http://www.freebizmag.com/emailnewyork01welcome.htm

Antiques Magazine
http://www.freebizmag.com/antiquesad03welcome.htm

Game Developer Magazine
http://associates.tradepub.com/free/gd/

EF&P Magazine (for EMT's / Paramedics /etc)
http://www.paramedic.com/efpsubscription.asp

Money Magazine (1 yr sub)
http://800forfunds.com/offer.html

SYNC Magazine (1yr)
http://www.zdmcirc.com/zdmcirc/prom...ters/index.html

Bicycling Magazine (1 year sub)
http://www.freebizmag.com/bicyclingad03welcome.htm

Budget Living Magazine
http://www.freebizmag.com/snapfishbudget01welcome.htm

CADBlocks CD-Rom Subscription
http://associates.tradepub.com/free/cadb/

College Parent Magazine (1 year sub)
http://www.collegeparentmagazine.com/pn/

Southern Gaming & Destinations Magazine
http://www.impactimagination.com/clients/sogd/1_freesubscription.asp

Electronic Design Magazine
http://associates.tradepub.com/free/ed/

Food Arts Magazine (1yr sub)
http://associates.tradepub.com/free/fda/

Packet Magazine
http://www.submag.com/cgi-bin/subscribe/kt?tc=1

Home Business Magazine (1yr sub) <- good magazine
http://www.freebizmag.com/emailhomebusns03welcome.htm

Money Magazine
http://800forfunds.com/offer.html
Totally Free Deals
g: 3 Posted By: archena
Views: 346 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

The Rules to Raise Happy, Healthy Children (Collection) (2nd Edition) [Kindle Edition]

Richard Templar (Author), Roni Jay (Author), Stephen Briers (Author)

http://www.amazon.com/dp/B00COGYQZI

Publication Date: April 27, 2013

Publisher: FT Press

No Reviews#8 inKindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > ParentingA brand new collection of great parenting advice -- fun, non-judgmental, and amazingly helpful! 3 great books help you become a better, happier parent and raise happier, less stressed, more successful children! When it comes to parenting, nobodys perfect, nobody can do it all, and nobody can guarantee results. Not you. Not anyone. So, how do you do the things you can do? The things most likely to help your children enjoy their lives, and grow into healthy, confident, successful, happy adults? These three books bring together invaluable advice: help thats fun, friendly, non-judgmental, realistic, and above all, useful! Richard Templars The Rules of Parenting, Expanded Edition serves up 100+ flexible tips and adaptable Rules for your family, starting with the most important Rule of them all: RELAX. Heres all you need to know from toddler to first boyfriend/girlfriend, driving lessons through college and beyond help with attitude, discipline, siblings, school, teenage life, crises, grown children and above all, staying sane! Next, in Nobody Told Me That!, Roni Jay offers great advice for raising kids who are more confident, resilient, ethical, loving, competent, responsible, fulfilled, engaged, and enthusiastic. Jay identifies what the most successful parents do, distills those insights into 10 core principles, and shows how to actually apply them in your own family. Finally, in How Your Child Thinks, world-renowned child psychologist Dr. Stephen Briers goes inside your childs mind, and helps you give them the skills, tactics, and strategies theyll need to manage their own lives. Briers teaches powerful, proactive techniques that dont simply respond to bad behavior, but keep it from happening in the first place. Drawing on compelling new research on positive psychology, he shows how to cultivate specific habits of thought that nurture resilience and help inoculate against depressive illness promote happiness and well-being cultivate personal competence and social confidence boost problem-solving skills, and more. With these eBooks, you and your kids will enjoy each other more and theyll grow up with the solid foundation they need to find their own paths, build their own lives, and thrive!From world-renowned family happiness experts Richard Templar, Roni Jay, and Stephen Briers

Books Deals

Amazon Coupons
g: 17 Posted By: usernamemax20charact
Views: 2885 Replies: 14 HP Double Rewards
Get 10% back in Staples rewards on purchase of HP printers and paper, and 10% back in Staples rewards when you buy $75 of HP ink or 2 of the same HP toners


Staples #2 pencil 12 pack = 25, limit 2
476919


Staples school glue 4 oz = 25, limit 2
855975


paper mate sharpwriter 0.7mm mech pencil= 25, limit 2
710152


Staples pink cap erasers = 25, limit 2
167601


saples tiger paper clips 1" 100 pack = 25, limit 2
326962


Staples slider pencil case = 25, limit 2
599113


Staples glue sticks = $1
334641 - clear
334283 - colored


Staples photo supreme 8.5 x 11 double sided = $14.99 - $11.99 ER = $3, limit 4 ER's
564121


hammermill 8.5 x 11 copy paper = $6.99 - $3 ER = $3, limit 4 ER's
122408


Staples 8.5 x 11 multipurpose paper 10 ream case = $49.99 - $28 ER = $21.99, limit 2
513096
in store only
^ possible money maker with $28 off coupon (if cashier accepts it since it expires 8/31) --> $49.99 - $28 coupon - $28 ER = $6.01 MM


50% off all High Sierra backpacks
assorted SKUs, excludes clearance


25%-50% off all other backpacks
assorted SKUs, excludes clearance


Staples filler paper 8 x 10.5 = 85
772966 - college rules
772968 - wide


scotch magic tape and dispenser = $1, limit 2
849338


Staples fat book = $1, limit 2
481762


roseart colored pencils 12 pack = $1, limit 2
563639


Staples graph ruled comp books = $1, limit 2
858198


Staples graph rule notebook 8 x 10.5 = $2, limit 2
919352


Staples graph rule filler paper 8 x 10.5 = $2, limit 2
509651


scotch shipping tape = $2, limit 2
824219


scotch super glue = $2, limit 2
861702


oops! correction tape 2 pack = $2, limit 2
752997


Bic brite liner highlighters 5 pack = $2, limit 2
459112 - assorted
476262 - yellow


Staples poly cover comp book = $1, limit 2
assorted SKUs


Staples poly cover 1 subject notebook = $1, limit 2
assorted SKUs


Expo 8.9 x 11.8 double sided writing dry erase board = $3
643037


crayola washable markers assorted 8 pack = $2
352369 - broad line
430942 - thin line


crayola washable markers assorted 12 pack = $2
382256


crayola washable crayons assorted 24 pack = $2
452838


crayola large washable crayons 8 pack = $2
738120


staedtler pencil compass = $1
446385


staedtler protractor = $2
274704


Buy 2, Get 1 Free on any roll of colored Duck Tape
assorted SKUs


5.5 x 8.5 dry erase board with marker = $1
364495


bounty duratowel single roll = 99
176815
Office & School Supplies Deals

Staples Coupons
g: 14 Posted By: usernamemax20charact
Views: 2058 Replies: 14 HP Double Rewards
Get 10% back in Staples rewards on purchase of HP printers and paper, and 10% back in Staples rewards when you buy $75 of HP ink or 2 of the same HP toners


Staples #2 pencil 12 pack = 25, limit 2
476919


Staples school glue 4 oz = 25, limit 2
855975


paper mate sharpwriter 0.7mm mech pencil= 25, limit 2
710152


Staples pink cap erasers = 25, limit 2
167601


saples tiger paper clips 1" 100 pack = 25, limit 2
326962


Staples slider pencil case = 25, limit 2
599113


Staples glue sticks = $1
334641 - clear
334283 - colored


Staples photo supreme 8.5 x 11 double sided = $14.99 - $11.99 ER = $3, limit 4 ER's
564121


hammermill 8.5 x 11 copy paper = $6.99 - $3 ER = $3, limit 4 ER's
122408


Staples 8.5 x 11 multipurpose paper 10 ream case = $49.99 - $28 ER = $21.99, limit 2
513096
in store only
^ possible money maker with $28 off coupon (if cashier accepts it since it expires 8/31) --> $49.99 - $28 coupon - $28 ER = $6.01 MM


50% off all High Sierra backpacks
assorted SKUs, excludes clearance


25%-50% off all other backpacks
assorted SKUs, excludes clearance


Staples filler paper 8 x 10.5 = 85
772966 - college rules
772968 - wide


scotch magic tape and dispenser = $1, limit 2
849338


Staples fat book = $1, limit 2
481762


roseart colored pencils 12 pack = $1, limit 2
563639


Staples graph ruled comp books = $1, limit 2
858198


Staples graph rule notebook 8 x 10.5 = $2, limit 2
919352


Staples graph rule filler paper 8 x 10.5 = $2, limit 2
509651


scotch shipping tape = $2, limit 2
824219


scotch super glue = $2, limit 2
861702


oops! correction tape 2 pack = $2, limit 2
752997


Bic brite liner highlighters 5 pack = $2, limit 2
459112 - assorted
476262 - yellow


Staples poly cover comp book = $1, limit 2
assorted SKUs


Staples poly cover 1 subject notebook = $1, limit 2
assorted SKUs


Expo 8.9 x 11.8 double sided writing dry erase board = $3
643037


crayola washable markers assorted 8 pack = $2
352369 - broad line
430942 - thin line


crayola washable markers assorted 12 pack = $2
382256


crayola washable crayons assorted 24 pack = $2
452838


crayola large washable crayons 8 pack = $2
738120


staedtler pencil compass = $1
446385


staedtler protractor = $2
274704


Buy 2, Get 1 Free on any roll of colored Duck Tape
assorted SKUs


5.5 x 8.5 dry erase board with marker = $1
364495


bounty duratowel single roll = 99
176815
Office & School Supplies Deals

Staples Coupons
g: 13 Posted By: usernamemax20charact
Views: 1549 Replies: 7 HP Double Rewards
Get 10% back in Staples rewards on HP printers, ink, toner, and paper


Staples #2 pencil 12 pack = 25, limit 2
476919


Staples school glue 4 oz = 25, limit 2
855975


paper mate sharpwriter 0.7mm mech pencil= 25, limit 2
710152


Staples pink cap erasers = 25, limit 2
167601


saples tiger paper clips 1" 100 pack = 25, limit 2
326962


Staples slider pencil case = 25, limit 2
599113


Staples glue sticks = $1
334641 - clear
334283 - colored


Staples photo supreme 8.5 x 11 double sided = $14.99 - $11.99 ER = $3, limit 4 ER's
564121


hammermill 8.5 x 11 copy paper = $6.99 - $3 ER = $3, limit 4 ER's
122408


Staples 8.5 x 11 multipurpose paper 10 ream case = $49.99 - $28 ER = $21.99, limit 2
513096
in store only
^ possible money maker with $28 off coupon ($49.99 - $28 coupon - $28 ER = $6.01 MM) assuming coupon triggers the correct rebate


50% off all High Sierra backpacks
assorted SKUs, excludes clearance


25%-50% off all other backpacks
assorted SKUs, excludes clearance


Staples filler paper 8 x 10.5 = 85
772966 - college rules
772968 - wide


scotch magic tape and dispenser = $1, limit 2
849338


Staples fat book = $1, limit 2
481762


roseart colored pencils 12 pack = $1, limit 2
563639


Staples graph ruled comp books = $1, limit 2
858198


Staples graph rule notebook 8 x 10.5 = $2, limit 2
919352


Staples graph rule filler paper 8 x 10.5 = $2, limit 2
509651


scotch shipping tape = $2, limit 2
824219


scotch super glue = $2, limit 2
861702


oops! correction tape 2 pack = $2, limit 2
752997


Bic brite liner highlighters 5 pack = $2, limit 2
459112 - assorted
476262 - yellow


Staples poly cover comp book = $1, limit 2
assorted SKUs


Staples poly cover 1 subject notebook = $1, limit 2
assorted SKUs


Expo 8.9 x 11.8 double sided writing dry erase board = $3
643037


crayola washable markers assorted 8 pack = $2
352369 - broad line
430942 - thin line


crayola washable markers assorted 12 pack = $2
382256


crayola washable crayons assorted 24 pack = $2
452838


crayola large washable crayons 8 pack = $2
738120


staedtler pencil compass = $1
446385


staedtler protractor = $2
274704


Buy 2, Get 1 Free on any roll of colored Duck Tape
assorted SKUs


5.5 x 8.5 dry erase board with marker = $1
364495


bounty duratowel single roll = 99
176815
Office & School Supplies Deals

Staples Coupons
g: 1 Posted By: usernamemax20charact
Views: 343 Replies: 1 HP Double Rewards
Get 10% back in Staples rewards on HP printers, ink, toner, and paper


Staples #2 pencil 12 pack = 25, limit 2
476919


Staples school glue 4 oz = 25, limit 2
855975


paper mate sharpwriter 0.7mm mech pencil= 25, limit 2
710152


Staples pink cap erasers = 25, limit 2
167601


saples tiger paper clips 1" 100 pack = 25, limit 2
326962


Staples slider pencil case = 25, limit 2
599113


Staples glue sticks = $1
334641 - clear
334283 - colored


Staples photo supreme 8.5 x 11 double sided = $14.99 - $11.99 ER = $3, limit 4 ER's
564121


hammermill 8.5 x 11 copy paper = $6.99 - $3 ER = $3, limit 4 ER's
122408


Staples 8.5 x 11 multipurpose paper 10 ream case = $49.99 - $28 ER = $21.99, limit 2
513096

50% off all High Sierra backpacks
assorted SKUs, excludes clearance


25%-50% off all other backpacks
assorted SKUs, excludes clearance


Staples filler paper 8 x 10.5 = 85
772966 - college rules
772968 - wide


scotch magic tape and dispenser = $1, limit 2
849338


Staples fat book = $1, limit 2
481762


roseart colored pencils 12 pack = $1, limit 2
563639


Staples graph ruled comp books = $1, limit 2
858198


Staples graph rule notebook 8 x 10.5 = $2, limit 2
919352


Staples graph rule filler paper 8 x 10.5 = $2, limit 2
509651


scotch shipping tape = $2, limit 2
824219


scotch super glue = $2, limit 2
861702


oops! correction tape 2 pack = $2, limit 2
752997


Bic brite liner highlighters 5 pack = $2, limit 2
459112 - assorted
476262 - yellow


Staples poly cover comp book = $1, limit 2
assorted SKUs


Staples poly cover 1 subject notebook = $1, limit 2
assorted SKUs


Expo 8.9 x 11.8 double sided writing dry erase board = $3
643037


crayola washable markers assorted 8 pack = $2
352369 - broad line
430942 - thin line


crayola washable markers assorted 12 pack = $2
382256


crayola washable crayons assorted 24 pack = $2
452838


crayola large washable crayons 8 pack = $2
738120


staedtler pencil compass = $1
446385


staedtler protractor = $2
274704


Buy 2, Get 1 Free on any roll of colored Duck Tape
assorted SKUs


5.5 x 8.5 dry erase board with marker = $1
364495


bounty duratowel single roll = 99
176815
Office & School Supplies Deals

Staples Coupons
Staples Ad 9/1 - 9/7: 25 school deals; $1 and $2 deals; paper deals
Added on : Sunday August 25th 2013 08:00:07 AM
g: 0 Posted By: usernamemax20charact
Views: 13 Replies: 0 Staples #2 pencil 12 pack = 25, limit 2
476919


Staples school glue 4 oz = 25, limit 2
855975


paper mate sharpwriter 0.7mm mech pencil= 25, limit 2
710152


Staples pink cap erasers = 25, limit 2
167601


saples tiger paper clips 1" 100 pack = 25, limit 2
326962


Staples slider pencil case = 25, limit 2
599113


Staples glue sticks = $1
334641 - clear
334283 - colored


Staples photo supreme 8.5 x 11 double sided = $14.99 - $11.99 ER = $3, limit 4 ER's
564121


hammermill 8.5 x 11 copy paper = $6.99 - $3 ER = $3, limit 4 ER's
122408


Staples filler paper 8 x 10.5 = 85
772966 - college rules
772968 - wide


scotch magic tape and dispenser = $1, limit 2
849338


Staples fat book = $1, limit 2
481762


roseart colored pencils 12 pack = $1, limit 2
563639


Staples graph ruled comp books = $1, limit 2
858198


Staples graph rule notebook 8 x 10.5 = $2, limit 2
919352


Staples graph rule filler paper 8 x 10.5 = $2, limit 2
509651


scotch shipping tape = $2, limit 2
824219


scotch super glue = $2, limit 2
861702


oops! correction tape 2 pack = $2, limit 2
752997


Bic brite liner highlighters 5 pack = $2, limit 2
459112 - assorted
476262 - yellow


Staples poly cover comp book = $1, limit 2
assorted SKUs


Staples poly cover 1 subject notebook = $1, limit 2
assorted SKUs


5.5 x 8.5 dry erase board with marker = $1
364495


bounty duratowel single roll = 99
176815


Office & School Supplies Deals

Staples Coupons
g: 0 Posted By: remick
Views: 262 Replies: 0 http://www.amazon.com/English-Prodigy-Spelling-Bootcamp-ebook/dp/B00EORJ6BO
Books Deals

Amazon Coupons
Free Subscription to Yes! Magazine for Teachers and School Librarians
Added on : Thursday August 22nd 2013 06:00:17 AM
g: 0 Posted By: remick
Views: 195 Replies: 0 http://www.yesmagazine.org/forms/free-subscriptionWho is eligible?

Classroom teachersin middle school, high school, university and adult continuing education.
Middle school, high school, college, and universitylibrarians.
Homeschool teacherswho work at a resource center or with a consortium.
Eligible teachers and school librarians must have a U.S. mailing address.
We regret we do not have funding for pre-K, daycare, elementary, or individual family home school educators.

Limited Eligibility Deals
Insurance for College Student Possessions
Added on : Tuesday August 20th 2013 05:00:13 AM
g: 0 Posted By: couponking1953
Views: 230 Replies: 6 Just an FYI if anybody is in a similar situation.

My daughter just left for college. I was able to add insurance coverage using my homeowners policy for her PC for $20/yr against theft/DAMAGE/loss. Her musical tools (sax.oboe) are covered at $0.59/yr per hundred of stated value. Zero deductable, any claims are not counted against my homeowners record.

If anybody has better thoughts on this type of coverage, those would be welcome.
General Economics Deals
FREE Kindle Book - Supply Chain Network Design was $89.99
Added on : Monday August 19th 2013 09:00:03 AM
g: 0 Posted By: archena
Views: 56 Replies: 1 Supply Chain Network Design: Applying Optimization and Analytics to the Global Supply Chain (FT Press Operations Management) =16px[Kindle Edition] was $89.99Michael Watson (Author), Sara Lewis (Author), Peter Cacioppi (Author), Jay Jayaraman (Author)

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

http://www.amazon.com/dp/B008Z03RIE

Publication Date: August 20, 2012

Publisher: FT Press
7 Reviews★★★★.5

#1 inKindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

Using strategic supply chain network design, companies can achieve dramatic savings from their supply chains. Now, experts at IBM and Northwestern University have brought together both the rigorous principles and the practical applications you need to master. Youll learn how to use supply chain network design to select the right number, location, territory, and size of warehouses, plants, and production lines; and optimize the flow of all products through your supply chain even if extends around the globe. The authors present better ways to decide what to manufacture internally, where to make these products, which products to outsource, and which suppliers to use. They guide you in more effectively managing tradeoffs such as cost vs. service level, improving operational decision-making by integrating analytics throughout supply chain management; and re-optimizing regularly for even greater savings. Supply Chain Network Design combines best practices, the latest methods in optimization and analytics, and cutting-edge case studies: everything you need to maximize the value of supply chain network design. For all supply chain executives, managers, strategists, and analysts; and for all students, instructors, and researchers in advanced supply chain management and/or logistics courses.About the AuthorMichael Watson is currently the world-wide leader for the IBM ILOG Supply Chain Products. These products include the network design product, LogicNet Plus XE. He has been involved with this product since 1998 when the product was owned and produced by LogicTools and then sold to ILOG in 2007 prior to being acquired by IBM. During this time, he has worked on many network design projects, helped other firms develop network design skills, and helped shape the direction of the group and product. He is an adjunct professor at Northwestern University in the McCormick School of Engineering, teaching in the Masters in Engineering Management (MEM) program. He holds an M.S. and Ph.D. from Northwestern University in Industrial Engineering and Management Sciences.

Sara Lewis is currently a world-wide technical leader for the IBM ILOG Supply Chain Products. She has run many full-scale network design studies for companies around the world, she has conducted hundreds of training sessions for many different types of clients, leads a popular network design virtual users group, and helps create educational material for network design. She has been involved with this group since 2006 when the network design tool was owned and produced by LogicTools. Prior to LogicTools, she held various supply chain roles at DuPont. She holds a Bachelors degree in Business Logistics and Management Information Systems from Penn State University and is a fre- quent guest lecturer on the topic of network design at several U.S. universities.

Peter Cacioppi is the lead scientist for IBMs network design product, LogicNet Plus XE. He also holds the lead scientist role for IBM's inventory optimization solution. He first began developing network design engines in 1996 as employee number one for LogicTools, a supply chain planning company that was sold to ILOG in 2007 prior to being acquired by IBM. His responsibilities include translating business design issues into formal mathematical problems. His scientific contributions have ranged from developing a targeted network design computational engine to designing both the GUI and the engine for network design multi-objective analysis. He holds an M.S. in Computer Science (with a thesis in Operations Research) from the University of Chicago, and a BA in Computational Physics from Dartmouth College.

Jay Jayaraman currently manages the ILOG Supply Chain and Optimization consulting services team within IBM. This team solves clients most challenging supply chain and optimization business problems. He brings extensive hands-on expertise in supply chain network design and inventory optimization, with projects ranging from large scale, global supply chain network design strategy to implementing production planning and inventory optimization projects at the tactical level. He has successfully led and managed consulting projects for clients around the world and in many different industries such as chemicals, consumer packaged goods, retail, transportation, pharmaceutical, and many others. Prior to joining LogicTools (later acquired by ILOG and then IBM), he worked for Kuehne & Nagel, helping run network design projects and implement the results. He holds an M.S. in Industrial Engineering from the University of Florida, and a Bachelors degree in Industrial Engineering from Anna University, India.



Books Deals

Amazon Coupons
Buy 3 get 1 Free "Back to College supplies" @ Amazon
Added on : Sunday August 18th 2013 10:00:02 PM
g: 0 Posted By: bittul
Views: 50 Replies: 0 Add 4 products to cart and the fourth (cheapest) is free.Link to "Back to College" products.Link to "Back to School" products.(my guess is that last week's glitch was a result of overlapping products that appear in both promos... Just a thought)
Office & School Supplies Deals

Amazon Coupons
g: 0 Posted By: trauma233
Views: 182 Replies: 6 So I just got my first after college job and before taxes my salary is $57,000. I wanted to ask people for any feedback regarding how to handle the money considering my situation at the moment:
I currently live with my parents but have a long commute so will be moving out on my own in a couple of months.
My fiancee is going to school full time this year and he will have ~$40K of loans at the end of the year. However, if all goes well, the minimum salary for those who have graduated in the past few years from the program has been $85K so we are hopeful. Next year we'll be moving in together.So I have a bunch of questions considering that I am not in a stable living situation and my fiancee currently has no income.
1) What should my exemption be? Right now I have put in 0 for exemption, 0 for allowance and am receiving about 70% of my pretax salary. 2) I need your opinion on how to best handle my money, what accounts to open etc.
I only have $2000 on a checking account right now.
- I have $3.5K student loans that I need to pay back. I am still in the grace period though. Should I pay this off first and then start putting money aside?
- I can open a Roth IRA through my company, I can have a 401K and company matches up to 6.2%. Should I pursue either of these.
- Should I open a savings account or keep everything in a checking account so I can use them whenever needed?
- Credit card - I have a Discover with 1% CashBack on everything and 5% on selected items, no annual fee. I have never missed a payment in the last 3 years that I have had had it so my credit should be good to very good. Is there a credit card with better rewards?
Any feedback from your experience would be greatly appreciated. Thank you all!
Personal Finance Deals
g: 0 Posted By: miserly
Views: 41 Replies: 0 i can go to a junior college, and many offer hybrid courses with in person exams for intro class (i may need to take for promotion).
around here, CA, i'm looking at $160 for 1 intro course
udacity.com had similar course, all online, for $150.any others?
Discussion Deals
Free Backpack w/ College Outwear Purchase at Carhartt + 8% Cash Back
Added on : Friday August 16th 2013 07:00:02 AM
g: 0 Posted By: FatWallette
Views: 0 Replies: 0


The Carhartt brand was founded over 120 years ago. Today we continue to specialize in durable outwear for the active lifestyle. The company is committed to providing the Best-In-Class apparel for the active worker.

Get a Free Backpack with any Carhartt College Outerwear Purchase Use coupon GEARUPOffer expires 8/18/13
Free US Ground Shipping on Orders over $99 Use coupon FREESHIPA



More Offers from Carhartt
8% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.
Cash Back Sale ends 8/16/2013
Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email
Victoria's Secret PINK 15% off
Added on : Thursday August 15th 2013 09:00:05 AM
g: 0 Posted By: quasarcat
Views: 193 Replies: 0 You can get 15% off your PINK purchase with your college ID in store only. Valid August 16th & 17th.Victoria's Secret
Clothing Deals
g: 0 Posted By: jaymanthegreat
Views: 70 Replies: 0 Easy Riser Queen Size Pillowtop Air Bed w/Remote Grey
Kmart Item# 089V003959667000 | Model# ER632RACReg Price: $119.99 Savings: $12.00 Product Description:The Easy Riser Queen Size 11" Tall Grey Pillowtop air bed with remote control is the perfect sleeping solution for all your guests. It's like having a guest bedroom in a bag! The Easy Riser Queen Size 11" Tall Grey Pillowtop air bed with remote control is the perfect sleeping solution for all your guests. It's the quick and easy answer for sleep-overs, surprise house guests, college dorms, vacation cottages, and road trips. The New and Improved Easy Riser-brand portable air bed is so comfortable it feels like you are sleeping on a cloud of air! Rest easy knowing that Easy Riser has 25 years of experience manufacturing comfortable, high-quality, reliable beds. New, more powerful government-patented, 120V UL-approved AC pump that is hidden inside the bed for quietness, convenience, safety, and long life. Inflates in under 2 minutes. Its so simple, just press the remote control inflate button. Flocked cushiony pillowtop with a soft velour sleep surface for warmer in the winter and cooler in the summer, comfortable sleeping! Everything you need is attached to the bed, the motor, remote control and deflation cover. Uses standard sized sheets(not included). The bed stores in the convenient, over sized, storage bag (included) so the next time you need the bed it's right there, ready to use!http://www.kmart.com/shc/s/p_10151_10104_089V003959667000P
Camping Deals

Kmart.com Coupons
g: -1 Posted By: Virgil27
Views: 1358 Replies: 2 Ultimate Laptop with Choice of Laptop, Case, Flash Drive and Printer @ Walmart - Refurbished ones starting at $327.00
Free Shipping!Still not finding what you're looking for with all the Back-to-School Laptop deals? How about you make your own? This Wal-Mart deal lets you build your own bundle by choosing from 17 laptop models, 13, cases, 5 printers, 7 flash drives and 3 mice (the plastic kind, not the cheese-eating kind) from $327 for a refurbished one with Free Shipping and Cash Back!(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Laptops Deals

Walmart Coupons
Coleman Xtreme C4WP 12 MP Waterproof Digital Camera @ Buydig - $49.95
Added on : Tuesday August 13th 2013 05:00:03 PM
g: 0 Posted By: Virgil27
Views: 340 Replies: 0 Coleman Xtreme C4WP 12 MP Waterproof Digital Camera @ Buydig - $49.95
compare at $69.99
Free Shipping!Keep your memories coming at college without worrying about getting wet with this Coleman Waterproof Digital Camera for $20 off with Cash Back and Free Shipping! (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Cameras Deals

Buydig Coupons
g: 0 Posted By: Virgil27
Views: 0 Replies: 0 Ultimate Laptop with Choice of Laptop, Case, Flash Drive and Printer @ Walmart - From $327.00
Free Shipping!Still not finding what you're looking for with all the Back-to-School Laptop deals? How about you make your own? This Wal-Mart deal lets you build your own bundle by choosing from 17 laptop models, 13, cases, 5 printers, 7 flash drives and 3 mice (the plastic kind, not the cheese-eating kind) from $327 with Free Shipping and Cash Back! (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Laptops Deals

Walmart Coupons
g: 0 Posted By: archena
Views: 270 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Service Management: An Integrated Approach to Supply Chain Management and Operations (FT Press Operations Management) [Kindle Edition] was $71.99 / Paperback is $40.46Cengiz Haksever (Author), Barry Render (Author) http://www.amazon.com/dp/B00DCNNJG4Publication Date: June 11, 2013Publisher: FT PressNo Reviews#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations#3 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management Tie customer-driven strategies to service operations and process management, and sharpen your focus on creating customer value throughout your entire service organization! This comprehensive, multidisciplinary reference thoroughly covers today's most effective theories and methods for managing service organizations, drawing on innovative insights from economics, consumer behavior, marketing, strategy, and operations management. Leading experts Cengiz Haksever and Barry Render provide Crucial insights into emerging service operation and supply chain topics, reinforcing key points with up-to-date case studies. Service Management contains a valuable chapter-length introduction to linear and goal programming and its services applications; and also addresses many other topics ignored by competitive texts, such as: Service SCM methods and approaches
Focusing on customers and their service purchase behavior
Service productivity
Managing public and private nonprofit service organizations
Vehicle routing and scheduling
Ethical challenges to SCMService Management will be an invaluable resource for senior and mid-level managers throughout any service organization, and for students and faculty in any graduate or upper-level undergraduate program in service management, service operations management, or operations management
About the Author
Cengiz Haksever is a Professor of Management Sciences at the College of Business Administration of Rider University. He received his B.S. and M.S. degrees in Industrial Engineering from Middle East Technical University in Ankara, Turkey, his M.B.A. from Texas A & M University in College Station, Texas, and his Ph.D. in Operations Research from the University of Texas in Austin.His research interests include service management, supply chain management, operations research, operations management, quality and continuous improvement, and data envelopment analysis. Dr. Haksevers work appeared in European Journal of Operational Research, Journal of the Operational Research Society, Computers & Operations Research, Computers & Industrial Engineering, Journal of Construction Engineering and Management, International Journal of Production Economics, Journal of Small Business Strategy, Journal of Business Ethics, Education Economics, International Journal of Production Economics, International Journal of Information and Management Sciences , and Business Horizons.He has taught courses in operations management, supply chain management, service operations management, management science, quality assurance, statistics, and regression in undergraduate and M.B.A. programs. He served as examiner and senior examiner for the New Jersey Governors Award for Performance Excellence. During the 1993-1994 academic year, he was a Fulbright Senior Lecturer at Marmara University in Istanbul, Turkey. At Rider University, he was awarded the Jessie H. Harper Professorship for the academic year of 2000-2001. Dr. Haksever served on the Editorial Advisory Board of Computers & Operations Research and was a guest editor of a special issue of the journal Data Envelopment Analysis.Barry Render is Professor Emeritus, the Charles Harwood Professor of Operations Management, Crummer Graduate School of Business, Rollins College, Winter Park, Florida. He received his B.S. in Mathematics and Physics at Roosevelt University and his M.S. in Operations Research and Ph.D. in Quantitative Analysis at the University of Cincinnati. He previously taught at George Washington University, University of New Orleans, Boston University, and George Mason University, where he held the Mason Foundation Professorship in Decision Sciences and was Chair of the Decision Sciences Department. Dr. Render has also worked in the aerospace industry for General Electric, McDonnell Douglas, and NASA.Professor Render has coauthored 10 textbooks for Prentice Hall, including Managerial Decision Modeling with Spreadsheets, Quantitative Analysis for Management, Service Management, Introduction to Management Science, and Cases and Readings in Management Science. Quantitative Analysis for Management, now in its eleventh edition, is a leading text in that discipline in the United States and globally. Dr. Renders more than 100 articles on a variety of management topics have appeared in Decision Sciences, Production and Operations Management, Interfaces, Information and Management, Journal of Management Information Systems, Socio-Economic Planning Sciences, IIE Solutions, and Operations Management Review, among others.
Dr. Render has been honored as an AACSB Fellow and was twice named a Senior Fulbright Scholar. He was Vice President of the Decision Science Institute Southeast Region and served as Software Review Editor for Decision Line for six years and as Editor of The New York Times Operations Management special issues for five years. From 1984 to 1993, Dr. Render was President of Management Service Associates of Virginia, Inc., whose technology clients included the FBI, the U.S. Navy, Fairfax County, Virginia, and C&P Telephone. He is currently Consulting Editor to Financial Times Press.Dr. Render has taught operations management courses in Rollins Colleges M.B.A. and Executive M.B.A. programs. He has received that schools Welsh Award as leading professor and was selected by Roosevelt University as the 1996 recipient of the St. Claire Drake Award for Outstanding Scholarship. In 2005, Dr. Render received the Rollins College M.B.A. Student Award for Best Overall Course and in 2009 was named Professor of the Year by full-time M.B.A. students.
Books Deals

Amazon Coupons
Target Dorm Essentials on sale and First Apartment Sale
Added on : Sunday August 11th 2013 07:00:05 AM
g: -1 Posted By: DaysFan
Views: 244 Replies: 3 Text
http://www.target.com/Room Essentials Easy Care Dorm Sheet Set (Twin XL) $14.99 Online PriceReg: $17.99 - Save 17%
Room Essentials Easy Care Dorm Sheets give you soft, colorful options to match your style and personality. Settle into luxurious softness and delicate ...
Text
Sunbeam .9-cu.-ft. microwave
$44 sale Offer valid 8/11/2013 through 8/17/2013  
Room Essentials 30-inch x 54-inch bath towel
$3.50 sale Offer valid 8/11/2013 through 8/17/2013 Additional Information
Room Essentials Bath Towel - Turquoise/Yellow $3.50 14406377 14406377
Room Essentials Bath Towel - Gray/Pink $3.50 14406513 14406513
Room Essentials Bath Towel - Pink/White $3.50 14406517 14406517
Room Essentials Bath Towel - Aqua Chrome $3.50 13337719 13337719
Room Essentials Bath Towel - True White  Room Essentials task floor lamp
$18 sale Offer valid 8/11/2013 through 8/17/2013 Additional Information
Room Essentials Torchiere Floor Lamp with Task Light - Black $18 11039961 11039961
Room Essentials Torchiere Floor Lamp with Task Light - Silver $18 14023471 14023471  Room Essentials adjustable organizer desk lamp
$15 sale Offer valid 8/11/2013 through 8/17/2013 Seasonal merchandise; no rain checks.
Additional Information
Room Essentials Task Lamp with Tablet Slot $15 14421643 14421643
Room Essentials Task Lamp with Tablet Slot $15 14421745 14421745
Emerson compact 2.8-cu.-ft. fridge
$99 sale Offer valid 8/11/2013 through 8/17/2013  
Crock-Pot 4.5-qt. slow cooker
$16 sale Offer valid 8/11/2013 through 8/17/2013
Additional Information
Crock-Pot Patterned Slow Cooker 4.5-qt. $16 13796517 13796517
Crock-Pot Slow Cooker 4.5-qt. $16 13796571 13796571  
Aroma 7-cup electric kettle
$16 sale Offer valid 8/11/2013 through 8/17/2013
Black & Decker single-serve coffeemaker with 16-oz. travel mug
$19 sale Offer valid 8/11/2013 through 8/17/2013  Hamilton Beach single-serve blender with travel jar
$19 Offer valid 8/11/2013 through 8/17/2013
Presto nonstick 2-serving compact griddle
$19 Offer valid 8/11/2013 through 8/17/2013
Sunbeam 2-slice toaster
$16 sale Offer valid 8/11/2013 through 8/17/2013
Black & Decker 4-slice toaster oven
$24 sale Offer valid 8/11/2013 through 8/17/2013 Additional Information
Black & Decker White 4 Slice Toaster Oven $24 14504218 14504218
Black & Decker Black 4 Slice Toaster Oven $24 14504217 14504217  Black & Decker 12-cup programmable coffeemaker
$29 sale Offer valid 8/11/2013 through 8/17/2013
Sunbeam panini maker and grill
$24 sale Offer valid 8/11/2013 through 8/17/2013
Hamilton Beach breakfast sandwich maker
$24 sale Offer valid 8/11/2013 through 8/17/2013 George Foreman classic 5-serving grill
$29 sale Offer valid 8/11/2013 through 8/17/2013 T-Fal 15-pc. Simply Clean nonstick cookset
$59.99 sale Offer valid 8/11/2013 through 8/17/2013  Oster 12-speed blender
$29 sale Offer valid 8/11/2013 through 8/17/2013
Additional Information
Oster 12 Speed Blender - Brushed Nickel $34 14449916 14449916
Oster 12 Speed Blender - Red $34 14461607 14461607 Room Essentials latching storage
$5.99 each sale Offer valid 8/11/2013 through 8/17/2013
Additional Information
Sterilite 66-qt. Latching Tote - Gray $5.99 14089594 14089594
Sterilite 20-gal. Latching Tote - Turquoise $5.99 13680021 13680021
Sterilite 20-gal. Latching Tote - Gray $5.99 13680081 13680081  Sterilite medium 3-drawer rolling cart
$9.99 sale Offer valid 8/11/2013 through 8/17/2013
Sunbeam steam iron
$17 sale Offer valid 8/11/2013 through 8/17/2013
Black & Decker cord-reel steam iron
$21 sale Offer valid 8/11/2013 through 8/17/2013
Dirt Devil Easy Lite Cyclonic Quick Vac
$35 sale Offer valid 8/11/2013 through 8/17/2013
Threshold soft-sided hanging 10-shelf shoe or 6-shelf sweater organizer
$11.99 each sale Offer valid 8/11/2013 through 8/17/2013
Additional Information
Threshold Brown Linen Rigid 6 Shelf Shoe Organizer $11.99 14450176 14450176  Sterilite 18-gal. Ultra Tote
$6.99 sale Offer valid 8/11/2013 through 8/17/2013
Additional Information
Sterilite Ultra Green Storage Container 18-gal. $6.99 13794465 13794465
Sterilite Ultra Blue Storage Container 18-gal. $6.99 13794470 13794470
Sterilite Ultra Purple Storage Container 18-gal. $6.99 13794486 13794486
Bedding Deals
g: 0 Posted By: bpvh
Views: 162 Replies: 0 OfficeMax Bonus Rewards week of 08/11: 1 after rewards binders, dividers, batteries, postits, labels, notebooks
Offers are valid in-store. Might be regional. Will know if online or via phone early Sunday morning.
All [IN]PLACE EverBind Heavy-Duty View and OfficeMax Durable View Binders*
1 Cent after MaxPerks Bonus Rewards ($1.40 - $39.99)
Limit 2.
For example:
[IN]PLACE EverBind 1.5" Binder
YOU PAY $9.99 YOU GET $9.98 back in MaxPerks Bonus Rewards** = 1 Cent
#2388-4520
AVERY 5-Tab Ready Index Reference Dividers*
YOU PAY $2.99 YOU GET $2.98 back in MaxPerks Bonus Rewards** = 1 Cent
#0402-0348
Limit 1.
DURACELL CopperTop AA or AAA Batteries, 20-Pack*
YOU PAY $16.99 YOU GET $16.98 back in MaxPerks Bonus Rewards** = 1 Cent
2225-9681/2225-6773
Limit 2.
POST-IT 3x3 Canary Pop-Up Super Sticky Notes, 10-Pack*
YOU PAY $16.79 YOU GET $16.78 back in MaxPerks Bonus Rewards** = 1 Cent
#2118-2774
Limit 1.
AVERY 5160 White Laser Mailing Labels, 3,000-Pack*
YOU PAY $26.99 - YOU GET $26.98 back in MaxPerks Bonus Rewards** = 1 Cent
#0700-1497
Limit 1.
Select OfficeMax 1-, 3- or 5-Subject Poly Notebooks*
1 Cent after MaxPerks Bonus Rewards** ($3.50 - $6.00)
Limit 2.
Available in wide or college rule.
For example:
1-Subject Poly Notebook, 100 Sheets
YOU PAY $3.50 YOU GET $3.49 back in MaxPerks Bonus Rewards** = 1 cent
2107-1233/2107-1359
DETAILS TO FOLLOW
=======================bpvh's unofficial OfficeMax MaxPerks FAQ LINK=======================
Office & School Supplies Deals

OfficeMax Coupons
g: 2 Posted By: MISTERCHEAP
Views: 216 Replies: 2 Starts 8/18/13-8/24/13 - Back To School Deals 1 1 Subject Spiral Notebooks, Rulers, $99 Brother HL-2280DW Wireless Mono Multifunction Laser Printer and more Office Depot B&M Valid 8/18/13 through 8/24/13
YMMV.
These are in store only with the exception of a few items that may be available online. I posted the links for reference. Make sure to check your local ad online.
1 Limit 3 per household/business. While supplies last. No rainchecks.

Office Depot Brand 1 Subject Spiral Notebook, 70 Sheets, Wide Ruled, Assorted Colors
[OfficeDepot.com]Item # 902166

Office Depot Brand 1 Subject Spiral Notebook, 70 Sheets, College Ruled, Assorted Colors
[OfficeDepot.com]Item # 902202

Office Depot Brand Plastic Ruler For Binders, 12", Assorted Colors
[OfficeDepot.com]Item # 720461
$1 Limit 3 per household/business. While supplies last. No rainchecks.

Wilson Jones Basic Round-Ring View Binder, 1" Rings, White
[OfficeDepot.com]Item # 698094

Office Depot Brand Permanent Self-Adhesive Reinforcement Labels, 1/4" Diameter, White, Pack Of 200
[OfficeDepot.com]Item # 837558

Office Depot Brand Mechanical Pencils With Comfort Grip, 0.5 mm, Pack Of 12
[OfficeDepot.com]Item # 154928

Office Depot Brand Mechanical Pencils With Comfort Grip, 0.7 mm, Pack Of 12
[OfficeDepot.com]Item # 154944

Office Depot Brand Magnetic Eraser
[OfficeDepot.com]Item # 959092
$2.00 Elmer's Washable School Glue Sticks, 0.24 Oz. Pack Of 4
[OfficeDepot.com]Item # 990500

$3.00 Office Depot Brand Translucent Poly 13-Pocket File, Letter Size, Assorted Colors
[OfficeDepot.com]Item # 371994

$3.00 for Rewards members. Limit 3 per household/business. While supplies last. No rainchecks.

Office Depot Brand Premium Multipurpose Paper Bonus Pack 625 Sheets
[OfficeDepot.com]Item # 676453
$5.00 Swingline 545 Desk Stapler Combination Pack With Staples And Remover, Black
[OfficeDepot.com]Item # 500777

$10.00 Limit 2 per household/business. While supplies last. No rainchecks.

Office Depot Brand Back to School Copy Paper 3-Ream Case [OfficeDepot.com]
Item #436664
$99.99 Reg. $199.99 Brother HL-2280DW Wireless Monochrome Laser Printer
[OfficeDepot.com]Item # 642217

$279.99 Toshiba Satellite C855D-S5900 Laptop Computer With 15.6" Screen & AMD E-300 Dual-Core Accelerated Processor
[OfficeDepot.com]Item # 852149

$299.99 Lenovo G500 (59374977) Laptop 15.6" Intel Celeron 4GB memory 320GB hard drive
[OfficeDepot.com]Item # 127793

$379.98 for both laptop and tablet

Lenovo IdeaTab A1000 Tablet With 7" Screen and Lenovo-G500 laptop [OfficeDepot.com]
Item # 79211109

Use your Office Depot business or personal credit account and receive a $50 Visa prepaid card after mail in savings. Making this $329.98 AR
$379.99 AR

Toshiba Satellite C55-A5286 Laptop 15.6" Intel Core i3 8GB memory 750GB hard drive
[OfficeDepot.com] Item # 418637 $499.99 Acer Aspire V5-571P-6472 Laptop 15.6" Touch-Screen Intel Core i3 6GB memory 500GB hard drive Back Lit Keyboard
[OfficeDepot.com]Item # 546203
Get 12 months of XBOX Live Gold Free when you purchase Office 365. $99
thnx hauserhere/sd
Office & School Supplies Deals

Office Depot Coupons
Free condoms for college students 18-29 from GACC
Added on : Wednesday August 07th 2013 02:00:07 AM
g: 0 Posted By: remick
Views: 150 Replies: 0 http://amplifyyourvoice.org/gacc-applythey are meant to be distributed on campus
Limited Eligibility Deals
Are all public trading companies like this?
Added on : Tuesday August 06th 2013 03:00:13 PM
g: 0 Posted By: beyond827
Views: 12 Replies: 0 I work for a Fortune 500 IT company. Ever since the Great Recession the company has been cutting cost - first by eliminating travel fundings and raises, and now with furloughs and layoffs. The company is making money, but lower cost means higher stock price. I've always wondered if that's just how things are nowadays, or this one is really going down. This is the only real job I've had since college, so I have nothing to compare with. My friends who work for other large companies also seem to have similar complaints. I'm sure employees of Google and Apple are much happier, but I was hoping people could share their experience with other "normal" companies.
Personal Finance Deals
23 free Kindle Books
Added on : Tuesday August 06th 2013 11:00:08 AM
g: 11 Posted By: remick
Views: 866 Replies: 1 Free at the time of postingTRINIDAD CARNIVAL RECIPES [Kindle Edition]
http://www.amazon.com/dp/B00C4XJHNM/Quick Fix Healthy Breakfasts Under 300 Calories: That Keep You Feeling Energized and Help You Lose Weight [Kindle Edition]
http://www.amazon.com/dp/B008IXLF2SThe Vegetarian: Italian Cookbook [Kindle Edition]
http://www.amazon.com/dp/B009KLZFKA/Grilled Cheese :The Ultimate Recipe Guide - Delicious & Best Selling Recipes [Kindle Edition]
http://www.amazon.com/Grilled-Cheese-Ultimate-Delicious-ebook/dp...Authentic Mexican Recipes Made Easy: How To Make Green Sauce Chicken Tamales [Kindle Edition]
http://www.amazon.com/Authentic-Mexican-Recipes-Made-ebook/dp/B0...Danish Baking [Kindle Edition]
http://www.amazon.com/dp/B00E7Z6ZK8Easy Tasty Oriental Recipes by Katharine Koe [Kindle Edition]
http://www.amazon.com/Tasty-Oriental-Recipes-Katharine-ebook/dp/...Mastering Major Account Selling [Kindle Edition]
http://www.amazon.com/Mastering-Major-Account-Selling-ebook/dp/B...Your Book Your Profits [Kindle Edition]
http://www.amazon.com/dp/B005NIABYECompete Outside the Box: The Unconventional Way to Beat the Competition [Kindle Edition]
http://www.amazon.com/dp/B00760B7UYMake Millions and Make Change! [Kindle Edition]
http://www.amazon.com/Make-Millions-Change-ebook/dp/B0031ESWBQDoes Your Bag Have Holes? 24 Truths That Lead to Financial and Spiritual Freedom [Kindle Edition]
http://www.amazon.com/dp/B00486U6D8THE SECRETS TO BUILDING A LUCRATIVE IMPORTING BUSINESS IN YOUR SPARE TIME FROM HOME [Kindle Edition]
http://www.amazon.com/BUILDING-LUCRATIVE-IMPORTING-BUSINESS-eboo...Critical Thinking: Tools for Taking Charge of Your Professional and Personal Life [Kindle Edition]
http://www.amazon.com/dp/B004MMEIY6Power Rapport Building: How To Build Instant Rapport With New Friends, Romantic Interests, And Coworkers [Kindle Edition
http://www.amazon.com/dp/B00AKO7HTSThe Mind-Made Prison: Radical Self Help and Personal Transformation [Kindle Edition]
http://www.amazon.com/dp/B006PHDCTILive Simple: 31 Tips To Declutter, Simplify, And Organize Your Life [Kindle Edition]
http://www.amazon.com/dp/B00CMEW7US/Household Hacks: Cleaning Tips and Tricks To Save You Money, Time, and Energy When Cleaning Your House [Kindle Edition]
http://www.amazon.com/dp/B00B3OAKC0/Long Knife-Life, Living on the Edge One woman's unusual Vietnam-war-torn love story [Kindle Edition]
http://www.amazon.com/dp/B007QWEMW2The Zombie Handbook: Surviving The Apocalypse [Kindle Edition]
http://www.amazon.com/The-Zombie-Handbook-Apocalypse-ebook/dp/B0...College Admission Policies Demystified: Understanding Homeschool Requirements for Getting In (Coffee Break Books) [Kindle Edition]
http://www.amazon.com/College-Admission-Policies-Demystified-ebo...How to trade using Elliott Wave Theory [Kindle Edition]
http://www.amazon.com/trade-using-Elliott-Theory-ebook/dp/B00A7G...Escape Guide to The Ultimate Gap Year: The Essential Guide To Your Year Out [Kindle Edition]
http://www.amazon.com/Escape-Guide-Ultimate-Year-ebook/dp/B00E6N...
Totally Free Deals
20 free Kindle Books
Added on : Tuesday August 06th 2013 10:00:13 AM
g: 10 Posted By: remick
Views: 715 Replies: 1 Free at the time of postingTRINIDAD CARNIVAL RECIPES [Kindle Edition]
http://www.amazon.com/dp/B00C4XJHNM/Quick Fix Healthy Breakfasts Under 300 Calories: That Keep You Feeling Energized and Help You Lose Weight [Kindle Edition]
http://www.amazon.com/dp/B008IXLF2SThe Vegetarian: Italian Cookbook [Kindle Edition]
http://www.amazon.com/dp/B009KLZFKA/Grilled Cheese :The Ultimate Recipe Guide - Delicious & Best Selling Recipes [Kindle Edition]
http://www.amazon.com/Grilled-Cheese-Ultimate-Delicious-ebook/dp...Authentic Mexican Recipes Made Easy: How To Make Green Sauce Chicken Tamales [Kindle Edition]
http://www.amazon.com/Authentic-Mexican-Recipes-Made-ebook/dp/B0...Danish Baking [Kindle Edition]
http://www.amazon.com/dp/B00E7Z6ZK8Mastering Major Account Selling [Kindle Edition]
http://www.amazon.com/Mastering-Major-Account-Selling-ebook/dp/B...Your Book Your Profits [Kindle Edition]
http://www.amazon.com/dp/B005NIABYECompete Outside the Box: The Unconventional Way to Beat the Competition [Kindle Edition]
http://www.amazon.com/dp/B00760B7UYMake Millions and Make Change! [Kindle Edition]
http://www.amazon.com/Make-Millions-Change-ebook/dp/B0031ESWBQDoes Your Bag Have Holes? 24 Truths That Lead to Financial and Spiritual Freedom [Kindle Edition]
http://www.amazon.com/dp/B00486U6D8THE SECRETS TO BUILDING A LUCRATIVE IMPORTING BUSINESS IN YOUR SPARE TIME FROM HOME [Kindle Edition]
http://www.amazon.com/BUILDING-LUCRATIVE-IMPORTING-BUSINESS-eboo...Critical Thinking: Tools for Taking Charge of Your Professional and Personal Life [Kindle Edition]
http://www.amazon.com/dp/B004MMEIY6Power Rapport Building: How To Build Instant Rapport With New Friends, Romantic Interests, And Coworkers [Kindle Edition
http://www.amazon.com/dp/B00AKO7HTSThe Mind-Made Prison: Radical Self Help and Personal Transformation [Kindle Edition]
http://www.amazon.com/dp/B006PHDCTILive Simple: 31 Tips To Declutter, Simplify, And Organize Your Life [Kindle Edition]
http://www.amazon.com/dp/B00CMEW7US/Household Hacks: Cleaning Tips and Tricks To Save You Money, Time, and Energy When Cleaning Your House [Kindle Edition]
http://www.amazon.com/dp/B00B3OAKC0/Long Knife-Life, Living on the Edge One woman's unusual Vietnam-war-torn love story [Kindle Edition]
http://www.amazon.com/dp/B007QWEMW2The Zombie Handbook: Surviving The Apocalypse [Kindle Edition]
http://www.amazon.com/The-Zombie-Handbook-Apocalypse-ebook/dp/B0...College Admission Policies Demystified: Understanding Homeschool Requirements for Getting In (Coffee Break Books) [Kindle Edition]
http://www.amazon.com/College-Admission-Policies-Demystified-ebo...
Totally Free Deals
Walmart brushed steel desk lamp with plug outlet and caddy $15
Added on : Monday August 05th 2013 11:00:08 AM
g: 0 Posted By: mrpresidentusa
Views: 654 Replies: 0 Ever stay at a hotel and appreciate the electrical plug outlet that is on the base of a desk lamp? It is convenient to plug in your phone right there instead of reaching under the desk for the outlet. Then ever try to find a similar feature lamp online or at a store? They are either way overpriced, ugly, not practical, or not even at the stores.
Could not find any such lamp that was even close to a hot deal price. I liked this WalMart lamp so much we now have four of them! Great for college students ! Even the regular price is a hot deal for me because there is nothing even close.  Not a hot deal in the sense of lower price, but it is in stock at WalMart store when usually you have to buy online ( out of stock online now )wait for delivery.
Brushed steel finish, electric plug outlet and storage caddy makes this a very helpful desk lamp. In stock at Woodland Hills WalMart on Fallbrook. About 10 on the shelf. Also available in colors, but they are plastic. I liked the brush steel.Sorry, had trouble creating a link so here is the site: http://www.walmart.com/ip/Mainstays-LAMP3GR-COM-Mainstays-Goosen...
Home & Garden Deals

Walmart Coupons
Walmart Desk lamp with plug outlet and caddy $15
Added on : Monday August 05th 2013 06:00:06 AM
g: 0 Posted By: mrpresidentusa
Views: 238 Replies: 0 Ever stay at a hotel and appreciate the electrical plug outlet that is on the base of a desk lamp? It is convenient to plug in your phone right there instead of reaching under the desk for the outlet. Then ever try to find a similar feature lamp online or at a store? They are either way overpriced, ugly, not practical, or not even at the stores.
Could not find any such lamp that was even close to a hot deal price. I liked this WalMart lamp so much we now have four of them! Great for college students ! Even the regular price is a hot deal for me because there is nothing even close.  Not a hot deal in the sense of lower price, but it is in stock at WalMart store when usually you have to buy online ( out of stock online now )wait for delivery.
Brushed steel finish, electric plug outlet and storage caddy makes this a very helpful desk lamp. In stock at Woodland Hills WalMart on Fallbrook. About 10 on the shelf. Also available in colors, but they are plastic. I liked the brush steel.Sorry, had trouble creating a link so here is the site: http://www.walmart.com/ip/Mainstays-LAMP3GR-COM-Mainstays-Goosen...
Home & Garden Deals

Walmart Coupons
JC PENNY SPENCER METAL FULL OR QUEEN SIZE BED $287.10 AFTER COUPON
Added on : Saturday August 03rd 2013 11:00:07 AM
g: 0 Posted By: yung7928
Views: 149 Replies: 0 JC PENNY SPENCER METAL FULL OR QUEEN SIZE BED $287.10 AFTER COUPON CODE: GRTDEALADDITIONAL 10% CashBack FROM DISCOVER CARD YMMVhttp://www.jcpenney.com/dotcom/for-the-home/college-living/furni...SHIPPING IS $49, BUT YOU CAN PICK IT UP AT STORE.
Furniture Deals

JCPenney Coupons
13" Macbook Air (newest model) $999 at Best Buy ($100 off MSRP)
Added on : Friday August 02nd 2013 03:00:03 PM
g: 1 Posted By: seanclayton
Views: 102 Replies: 0 This is the Macbook Air that was just released (June 2013) and is the lowest price yet (previously was $1,049).Best Buy Macbook Air 13" Newest ModelRegister an .edu e-mail address at Best Buy will lower the price another $100, to $899, through August 17, 2013.Best Buy College Student Deals
Macbooks Deals

Best Buy Coupons
g: 1 Posted By: bpvh
Views: 868 Replies: 0 OfficeMax in-store BTS deals week of 08/04/2013: 1 SCHOOLIO crayons (24pk)*, $0.50 glue stics and erasers, $1 highlighters and dry erase markers
Offer is regional.
Weekly PENNY DEALS (after $5 minimum purchase, before taxes and excluding Max Value item):12" Wood Ruler with Metal Edge* [2121-5472] 1 Cent, limit 3SCHOOLIO Crayons, 24-Pack* [2248-9451] 1 Cent, limit 3Pencil Sharpener* [2228-2593] 1 Cent, limit 3
MAX VALUE Items:WESTCOTT 5" Pointed or Blunt Scissors* [2106-8684/2106-8693] $0.50, limit 2AVERY Permanent Glue Stics or Disappearing Color Glue Stic 3-Packs with Bonus Stic* [0702-3507/0702-3516] $0.50, limit 3Select SCHOOLIO Composition Books* $0.75, limit 5OfficeMax Filler Paper, 100 Sheets* [2227-4717/2227-4726] $0.75, limit 5
--- Available in college or wide rule.Select BIC Velocity Gel Pen 4-Packs* $1.00, limit 5
Coupon Offers:PAPER MATE White Pearl Erasers, 3-Pack [2108-9313] $0.50 a/c, limit 3SHARPIE Accent Liquid Pen-Style Yellow Highlighters [1011-8491] $1.00 a/c, limit 3EXPO Chisel-Tip and Low-Odor Dry Erase Marker 4-Packs [1001-4824/2230-3384] $1.00, limit 3JUST BASICS Yellow #2 Pencils, 72-Pack [2252-8481] $2.00, limit 3
The cashiers at my stores have accepted printouts of the jpeg coupons. YMMV.
Office & School Supplies Deals

OfficeMax Coupons
g: 0 Posted By: bpvh
Views: 150 Replies: 0 OfficeMax in-store BTS deals week of 08/04/2013: 1 SCHOOLIO crayons (24pk)*, $0.50 glue stics and erasers, $1 highlighters and dry erase markers
Weekly PENNY DEALS (after $5 minimum purchase, before taxes and excluding Max Value item):12" Wood Ruler with Metal Edge* [2121-5472] 1 Cent, limit 3SCHOOLIO Crayons, 24-Pack* [2248-9451] 1 Cent, limit 3Pencil Sharpener* [2228-2593] 1 Cent, limit 3
MAX VALUE Items:WESTCOTT 5" Pointed or Blunt Scissors* [2106-8684/2106-8693] $0.50, limit 2AVERY Permanent Glue Stics or Disappearing Color Glue Stic 3-Packs with Bonus Stic* [0702-3507/0702-3516] $0.50, limit 3Select SCHOOLIO Composition Books* $0.75, limit 5OfficeMax Filler Paper, 100 Sheets* [2227-4717/2227-4726] $0.75, limit 5
--- Available in college or wide rule.Select BIC Velocity Gel Pen 4-Packs* $1.00, limit 5
Coupon Offers:PAPER MATE White Pearl Erasers, 3-Pack [2108-9313] $0.50 a/c, limit 3SHARPIE Accent Liquid Pen-Style Yellow Highlighters [1011-8491] $1.00 a/c, limit 3EXPO Chisel-Tip and Low-Odor Dry Erase Marker 4-Packs [1001-4824/2230-3384] $1.00, limit 3JUST BASICS Yellow #2 Pencils, 72-Pack [2252-8481] $2.00, limit 3
The cashiers at my stores have accepted printouts of the jpeg coupons. YMMV.
Office & School Supplies Deals

OfficeMax Coupons
Merit Scholarships/Grants for Adult College Students
Added on : Thursday August 01st 2013 05:00:06 PM
g: 0 Posted By: zhelder
Views: 0 Replies: 0 After many years, my brother decided to return to college a few years ago with the goal of obtaining a bachelor's degree in medical informatics. He began the program at a community college, and he just received the associate's degree in the field with a 3.9 GPA. He now wants to attend a public four year technical college to complete the bachelor's degree. The problem is, the cost per class are about triple what they were at the community college. He has a full-time job, but his salary certainly wouldn't light the boards up here, and the tuition reimbursement is meager. He squeezed out enough money to pay for one class, but he's likely not going to be able to pay for many more classes on his own.Does anyone know of any merit based scholarships or grants for adult students? Almost all of the information online is focused on high school students. He is trying to avoid taking out loans, because he's afraid of getting stuck in a position where he has to pay back a ton of money and might not have a job that pays enough to do so. Thanks for any tips or information.
g: 1 Posted By: Butcherboy
Views: 225 Replies: 0 Master College Admissions: The Common Application ($49 value)CODE: FIRST25https://www.udemy.com/mastercollegeadmissions/
Services Deals
g: 0 Posted By: walt99
Views: 85 Replies: 1 Need advice ASAP as my parents need to respond to the summons! Please refrain from personal attacks as this is extremely emotional for us.My elderly parents (mid-late-60's) are being sued in California state by a creditor for $10K credit card balance that they are delinquent on. The credit card was used for living expenses. The card is in my mother's name.My mother is a homemaker with ~$250/month income from SS
My father is unemployed after being laid off from his maintenance job and his unemployment runs out this month. His only income will then be ~$800/month from SS.Total income: ~$1050/month, rent $600/monthThey have no assets ($0 savings), no automobiles in their name, no house, or other assets. They will soon be relocating to live with me so that I can help them with living expenses.My understanding is that SS wages cannot be garnished. They have no need for credit. From what I've read, it seems like there wouldn't be any recourse. For this reason (only SS income and no assets), it doesn't seem beneficial for them to incur the costs of bankruptcy, especially considering they can't afford it. They can't afford a lawyer and they're both immigrants who speak little English. I am trying to help them as best as I can, but I am a recent college graduate who is trying to get my own post-grad affairs in order. I am also ~2000 miles away and so unable to help them in person thus am trying to do everything remotely.
What should they do? What is their best course of action? Should we contact the CC company and tell them there's nothing to go after and no income coming in? Should we respond to the summons and if so, how? Or should we simply ignore the notice and let it go into default?Thank you so much in advance for your advice!
Credit Deals
Staples Ad Scan: 8/4 - 8/10: Free Pens (AER), Filler Paper $0.01
Added on : Monday July 29th 2013 04:00:07 PM
g: 6 Posted By: dazviking
Views: 457 Replies: 4 Staples Sale. Starts Sunday August 4
Free After Easy Rebate (ER)
Pentel Ball Point Pens, fine, assorted, 5/pack. $4.49 - $4.49 ER
Limit 1 rebate per householdStaple's Filler Paper $0.01 with $5 minimum spend
College-ruled and wide-ruled
Limit 5 per customerEasy Rebates for Paper (Be on lookout for possible 'free after' coupons)
Hammermill Ream Paper: $6.99 - 5.99 ER = $1.00
Staple's Photo Plus 4" x 6": $9.99 - $6.99 = $3.00Kindles
Kindle Fire (SKU 984032) $129
Kindle Fire HD 7" 16GB (SKU 984029) $159
Kindle Fire HD 7" 32GB (SKU 984031) $189 (Haven't figured out how to save rotation change on PDF. Suggestions welcomed)
Office Equipment Deals

Staples Coupons
Bank security
Added on : Monday July 29th 2013 05:00:08 AM
g: 0 Posted By: CollegeSavings
Views: 127 Replies: 1 I recently had incidents when someone created bogus checks with ACH and account number to take money from the account.
Checks had incorrect bank name, no signature, no one to payable to and withdrew around 3k (4 checks) from the account. Bank did not even realize it till I contacted them.
I am surprised by the fact that how easy it is for anyone can create a bogus check and get money from the account bypassing all securities that bank has in place.
Really, do banks' have any security in place for this type of transaction?
General Economics Deals
How to use 529 Plans funds in case of overfunding?
Added on : Monday July 29th 2013 04:00:16 AM
g: 0 Posted By: stevento
Views: 38 Replies: 0 We opened 529 plans for each of our 2 daughters shortly after their births (13 and 10 now).
Initially, we contributed $5K total for both.
Eventually, as our income rose, that grew to the max $10K deductible under state tax rules.
Last year, we tripled it to $30K by opening 529 plans in grandparents' names (all still working last year and this, perhaps their last working years), and will likely do it again.If we do make a full $30K contribution this year as well, I'll need to look into risks of overfunding, and creative uses of 529 plans funds.
I've seen mentions of buying real estate with the funds in the college town and paying for mortgage as a housing expense through the plans.
While that seems interesting, I don't know how profitable that might be as that seems to be a forced decision.
Are there any other ways to cash out of overfunded 529 plans without incurring penalties?
Personal Finance Deals
g: 0 Posted By: archena
Views: 1620 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Small Business Tax Deduction Secrets [Kindle Edition] worth $9.99Stephen L Nelson (Author) http://www.amazon.com/dp/B00E1QJDIEPublication Date: July 18, 2013Publisher: Stephen L. Nelson, Inc.No Reviews#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > Accounting#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > AccountingOkay, so there's a simple strategy for minimizing a small business's taxes. And oddly most tax accountants don't spend enough time talking about the strategy with their clients. And that's a shame. Because the strategy is incredibly easy to use: All you need to do is arrange your business to legitimately maximize your deductions!Here's the deal. If you're a small business, a good deduction will nearly always save you the 15% self-employment tax. And for successful small businesses (those that make a living wage or better), a good deduction will also save you 10%, 20% or even more in federal and state income taxes.And the weird part is this: Despite what you might think right now, you probably could structure and arrange your business to take many more deductions that you do now. Probably you could cleverly harvest deductions that would reduce your annual taxes by thousands of dollars.Did you know that sometimes you can even re-cycle (or double-deduct) a deduction?You just need to have somebody identify those deductions which are easy for small businesses to use--and then you need to understand the rules for correctly taking these deductions."Small Business Tax Deduction Secrets" addresses this information short-fall by sharing tips and tricks that allow you to identify and then maximize the legitimate small business tax deductions you're now missing.Specifically, what's in the book? "Small Business Tax Deduction Secrets" emphasizes those business deductions you would probably never guess you can add to a business return. Here's just a partial list of the deduction secrets and tax saving tricks covered:Writing off travel expenses including family vacations to Hawaii, Florida or Southern CaliforniaDeducting and even double-deducting healthcare expensesTurning family members and even the cost of a college education into tax deductionsLegitimately putting hobby expenses onto a business tax return as a valid deduction. (If you do this right, you can save huge amounts of tax--but be careful, the rules are tricky.)Using a small business pension plan to dramatically boost what you can save in a retirement savings account.Incorporating to get tax deductionsDeduction rules when you're starting a businessThe truth about using an S corporationWhen out-of-state incorporation works as a way to avoid state income taxesHome office deductions--including when this deduction doesn't save money
Company car deductions, including the rules for deducting luxury automobilesIn short, "Small Business Tax Deduction Secrets" covers everything the small business owner needs to know to legitimately maximize his or her income tax deductions. And it provides Straight Talk about the aggressive tax reduction techniques which business owners often want to learn more about.
Totally Free Deals
Internship at Northwestern Mutual
Added on : Sunday July 28th 2013 04:00:10 AM
g: 0 Posted By: markmedina
Views: 4 Replies: 0 I have recently been offered an internship job at Northwestern Mutual. I am going to be sophomore in college this upcoming semester and I work at family dollar. I really want to expand my resume, and I believe this could be a good move for my future. Does anyone have any insights to this internship?
Question Deals
"Top College Cuisine" t-shirt $12 shipped @ Woot
Added on : Saturday July 27th 2013 08:00:08 PM
g: 0 Posted By: ctgolfer
Views: 237 Replies: 0 http://shirt.woot.com/offers/top-college-cuisine
Clothing Deals

woot! Coupons
g: 0 Posted By: SangioveseW
Views: 103 Replies: 0 CNBC article: Auto insurance quotes can be 40% higher for drivers with less education and lower-job status.From the article:CFA went online to get price quotes for two hypothetical customers: a factory worker with a high school diploma and a plant supervisor with a college degree. Both were the same in every other way: a 30-year old single woman who rents in a moderate-income neighborhood, drives a 2003 Honda Civic, had no accidents or moving violations in the last 10 years and who went without insurance coverage for the past 15 days.The price-shopping took place in May and June with attempts to get quotes from the 10 largest insurance companies for the minimum required liability coverage in 10 major urban areas: Atlanta, Louisville, Chicago, Houston, Denver, Phoenix, Oakland, Seattle, Baltimore and Hartford.CFA found that five of the companies American Family, Farmers, Geico, Liberty Mutual and Progressive apparently consider education and occupation when setting rates:The Geico quote for the factory worker with only a high school education was significantly higher than the plant supervisor with a college degree: 45 percent more per year in Seattle ($870 vs. $599), 40% percent more in Hartford ($1,299 vs. $926), 33 percent more in Oakland ($922 vs. $693), 23 percent more in Louisville ($2,200 vs. $1,791), 21 percent more in Chicago ($1,013 vs. $840), and 20 percent more in Baltimore ($1,971 vs. $1,647).
Progressive also quoted higher annual premiums for the factory worker: 33 percent more in Baltimore ($1,818 vs. $1,362), 14 percent more in Houston ($1,406 vs. $1,236), 9 percent more in Louisville ($2,390 vs. $2,185), 9 percent more in Denver ($995 vs. $911) and 8 percent more in Oakland ($736 vs. $684).
Liberty Mutual's website would not even provide a rate quote for a high school graduate in five cities Atlanta, Louisville, Chicago, Denver, and Seattle but it would give a quote for a college graduate.
Personal Finance Deals
Bankrupt, Renegotiate Rates, Shoot Myself
Added on : Friday July 26th 2013 05:00:05 PM
g: 1 Posted By: didyamissme
Views: 268 Replies: 6 Ok so the last one isn't an option....at least most days.I recently graduated college with dual degrees - unfortunately I did not have the finances to finish them. I had been working three jobs at once during my college career and built up a great credit score for my age. I had access to $40,000 worth of credit cards and used them to pay off my last 18 months of school.- They are eating me alive.I've gotten them to about $32,000 and have nothing left really to keep going. I have asked the cards for help with no avail. I even moved across the US for a higher paying job in an effort to be able to pay them down. I live in a $300 apartment AFTER utilities etc. I'm not sure what else to do. I already work NON stop. When I call the card companies they refuse to help as I am current. Should I throw in the towel and try bankruptcy and ruin my life - considering I work in business management? I'm looking any advice you have. I'm 24 and my degrees are a Bachelors in Business Administration and a Bachelor of Arts in Communication Studies. Thanks KindlyFinancials:
The current Transunion score is 644 as of today.
Annual Income is $26K Was at one point $38k. At my score height it was nearly 800. I just moved from NC to KY to an entirely new company with the hopes of fast track income increase. Interest rates on 12K worth of debt is 9% the rest vary from 12% to 20%. I currently have no other bills. The credit card bills are near $1,000 a month. I only make $1,600 a month now. The oldest accounts date back to 2008. While I have been current on all of my accounts my credit score has fallen dramatically due to the debt to income ratio and credit utilization.
Personal Finance Deals
Pay off the mortgage?
Added on : Friday July 26th 2013 09:00:08 AM
g: 0 Posted By: GreatestGambler
Views: 142 Replies: 3 I am trying to decide if it would be a wise decision for me to pay of my mortgage.
Mortgage Payoff amount $570K (@ 3.5% for 30 year loan)
Car loan 18K @ 1.5%
Cash: 300K
Stocks: 200K
Other investment: 40K in 401K
Single income, around 200K/year (+ around 50K from stocks)
The cash is sitting in my brokerage account earning almost no interest. Stocks are doing ok, around 8 to 10% up and earning some dividend.No other investment or loan.
Age 40. Have one kid, will go to college in 8 years. No separate collage fund setup yet. But I want to pay for his college (my parents paid for mine).It may not be the best financial decision to pay the mortgage off as much as possible. But I have worked hard for this cash and dont want to risk it with wrong investment decision.After seeing all the greed in financial and banking sector over past several years, I am not very trusting on their investment advice. Thats why I invest myself in stock and did ok. But it takes too much of my time and risky, so I started cashing it and have 300K in cash with tax paid off. I can cash in remaining 200K to pay off mortgage.I am looking for easy and safe way. I will lose all extra income from stocks once pay off mortgage, but it will reduce risk and give me more free time.
Or is there other safe investment where I can get more than 3.5% interest completely risk free?
Personal Finance Deals
g: 0 Posted By: plainview
Views: 337 Replies: 0 MacBook Pro With Retina Display Starting As Low As $1,175 At Best Buy "Black Friday In July" SaleDETAILS AT THIS LINK: http://gizmodo.com/the-retina-macbook-pro-is-more-than-300-off-a...STUDENT PROMO: http://www.bestbuy.com/site/Global/College-Student-Deals/pcmcat2...AMEX PROMO: https://sync.americanexpress.com/twitter/offerterms/F0DB7D8D5273...Also, Don't Forget Fat Wallet Cash Back And Reward Zone PointsTwo-Day Sale (Friday And Saturday Only)www.bestbuy.com
Macbooks Deals

Best Buy Coupons
g: 1 Posted By: lovelybones
Views: 306 Replies: 1 Special buy of the daySave on Select College Buckets Get ready for game day! Select 3-Pack of College Team Buckets!
Sports & Outdoors Deals

Home Depot Coupons
g: 0 Posted By: bpvh
Views: 164 Replies: 0 OfficeMax in-store BTS deals week of 07/28/2013: free highlighters after coupon, 1 junior scissors, zipper binder pocket, 1-hole punch, etc.
Freebie:SHARPIE Accent Assorted Tank-Style Highlighters, 4-Pack [2211-7433]

FREE with coupon. (will update with coupon from flyer)Limit 2. While supplies last.
Valid in store only 7/28/13 thru 8/3/13. Coupon valid on regular-, sale-, promotional- and/or clearance-priced items. Limit 2 coupons per customer. Valid on purchase of Sharpie Accent Assorted Tank- Style Highlighters, 4-Pack. Void if copied, sold, purchased, transferred, taxed or where prohibited. Cannot be combined with any other coupon, associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. Not valid on prior purchases or for credit card payments. Coupon must be surrendered at time of purchase. No cash or credit back. Cash value .001 Cent.
Weekly PENNY DEALS (require $5 minimum purchase, before taxes and excluding Max Value items):OfficeMax Clear Zipper Binder Pocket [2004-5087] 1, limit 5
--- First 5 at 1 cent each. Additional pockets at regular price.WESTCOTT 5" Junior Blunt or Pointed Scissors [2004-8592/2004-8903] 1, limit 2
--- First 2 at 1 Cent each. Additional scissors at regular price. Available in assorted colors.OfficeMax 1-Hole Punch with Grip [2004-7478] 1, limit 2
--- First 2 at 1 cent each. Additional punches at regular price.
MAX VALUE Items:OfficeMax 4-oz. Glue Bottle and Glue Sticks Combo Pack [2178-0716] $0.50, limit 3AVERY 5-Tab Insertable Dividers [2256-8053] $0.50, limit 5SCHOOLIO 1" or 1.5" 3-Ring Poly Binder [2228-0586/2228-0602] $1, limit 5All SCHOOLIO Poly Folders, $1OfficeMax Poly Notebook, 70 Sheets [2329-8496/2329-8673] $1
--- Available in wide or college rule.SCHOOLIO 1-Subject Notebook, 70 Sheets [2228-3280/2228-5590] 2 FOR $1
--- Mix and match. Available in wide or college rule.POST-IT 2x2 Notes Neon or Ultra Cube [2021-6008/2021-6017] $1, limit 3OfficeMax 0.7mm Assorted Mechanical Pencils, 24-Pack [2376-1591] $1, limit 3
Office & School Supplies Deals

OfficeMax Coupons
FREE Kindle Book - Small Business Tax Deduction Secrets worth $9.99
Added on : Thursday July 25th 2013 06:00:12 AM
g: 0 Posted By: archena
Views: 114 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Small Business Tax Deduction Secrets [Kindle Edition] worth $9.99Stephen L Nelson (Author) http://www.amazon.com/dp/B00E1QJDIEPublication Date: July 18, 2013Publisher: Stephen L. Nelson, Inc.No Reviews#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > Accounting#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > AccountingOkay, so there's a simple strategy for minimizing a small business's taxes. And oddly most tax accountants don't spend enough time talking about the strategy with their clients. And that's a shame. Because the strategy is incredibly easy to use: All you need to do is arrange your business to legitimately maximize your deductions!Here's the deal. If you're a small business, a good deduction will nearly always save you the 15% self-employment tax. And for successful small businesses (those that make a living wage or better), a good deduction will also save you 10%, 20% or even more in federal and state income taxes.And the weird part is this: Despite what you might think right now, you probably could structure and arrange your business to take many more deductions that you do now. Probably you could cleverly harvest deductions that would reduce your annual taxes by thousands of dollars.Did you know that sometimes you can even re-cycle (or double-deduct) a deduction?You just need to have somebody identify those deductions which are easy for small businesses to use--and then you need to understand the rules for correctly taking these deductions."Small Business Tax Deduction Secrets" addresses this information short-fall by sharing tips and tricks that allow you to identify and then maximize the legitimate small business tax deductions you're now missing.Specifically, what's in the book? "Small Business Tax Deduction Secrets" emphasizes those business deductions you would probably never guess you can add to a business return. Here's just a partial list of the deduction secrets and tax saving tricks covered:Writing off travel expenses including family vacations to Hawaii, Florida or Southern CaliforniaDeducting and even double-deducting healthcare expensesTurning family members and even the cost of a college education into tax deductionsLegitimately putting hobby expenses onto a business tax return as a valid deduction. (If you do this right, you can save huge amounts of tax--but be careful, the rules are tricky.)Using a small business pension plan to dramatically boost what you can save in a retirement savings account.Incorporating to get tax deductionsDeduction rules when you're starting a businessThe truth about using an S corporationWhen out-of-state incorporation works as a way to avoid state income taxesHome office deductions--including when this deduction doesn't save money
Company car deductions, including the rules for deducting luxury automobilesIn short, "Small Business Tax Deduction Secrets" covers everything the small business owner needs to know to legitimately maximize his or her income tax deductions. And it provides Straight Talk about the aggressive tax reduction techniques which business owners often want to learn more about.
Totally Free Deals
g: 0 Posted By: LCH59
Views: 98 Replies: 0 OFFER DETAILS: Order today and you'll receive one Table-Mate for $29.95 plus $12.95 Heavy Duty S&H and as a bonus you'll get a second Table-Mate free! Just pay separate $12.95 S&H. Table-Mate That's $55.85 total for TWO Table-Mates (includes shipping & handling). These Table-Mates can hold up to 50 pounds, and come with an adjustable cup holder. Perfect for apartments and college dorm rooms. Also great for kids. Compare to more expensive options on QVC and Amazon.

**You'll also have the pop-up option of signing up for a 30-day free trial of FreeShipping.com after you order online so you can save even more money. Another great pop-up option includes 2 wood-grain Table-Mates for $29.95 with no shipping costs! (I ordered the extra two Table-Mates to save for Christmas gifts.)If you only want to purchase ONE Table Mate Folding Adjustable Table, then the lowest price right now is $21.48 plus $8.72 shipping at QVC. QCV Table-Mates received a 5 out of 5 star rating by over 120 QVC reviewers. ______________________________________________________Table-Mate is the perfect portable table for anything you need a table surface for and can hold up to 50 lb! Use it for eating, as a laptop computer table, study desk, reading, writing, drawing, board games, models, puzzles, arts and crafts, trade shows, gardening, serving table, table to hold a computer keyboard or anything else you can possibly think of! Table-Mate is Like Having 18 Tables in One! Slides right to you Now with built in cupholder! Adjusts to 6 different heights (from 22" to 28") and 3 angles Ideal for those with limited space and mobility Holds up to 50 LBS Lifetime Guarantee! Folds flat for storage or stacks for convenience (slide it under your couch or bed)
Home & Garden Deals
Walmart Dorm Mini Frig & Microwave Bundle for $129 + FS
Added on : Monday July 22nd 2013 05:00:09 PM
g: 0 Posted By: SNakian
Views: 139 Replies: 0 Perfect for your college dorm or even apartment.
You'll get: Igloo 3.2-Cubic Foot Refrigerator and Freezer + Galanz 1.1 cu ft White Microwave Oven with Digital Display for $129. Free S/H.
Not sure how reliable these brands are, because it's my firs time ordering these brands. The frig has 4 stars and the microwave 4.5 stars.
Not sure when this sale will be over.Walmart Frig + Microwave Bundle
Appliance Deals

Walmart Coupons
HELOC - longer draw or better rate?
Added on : Sunday July 21st 2013 07:00:11 AM
g: 0 Posted By: jaknjul
Views: 5 Replies: 0 HI all. I'm brand new here and hope someone can help explain which would be a better option regarding HELOC's. I have 2 i'm looking at (US BANK - 15 year draw, 10 year payback with prime + .75 and PNC with 10 year draw and 10 payback with prime - .25%). My kids are 3 and 6 years away from college and I need a car now so I would guess I would have drawn about $50,000-75,000 in the next 5 years. Am I better off doing an interest only with a longer draw period so I don't find myself with a large payback monthly bill before I'm ready to sell our house? At face value, it seems like that the longer I can hold off the principal payback, the better but I'm not sure? Any insight?thanks!
g: -1 Posted By: archena
Views: 76 Replies: 0 PX This - The Revised Edition (Diary of the "Maitre d' to the Stars") [Kindle Edition] was $8.00Abbe Diaz (Photographer)http://www.amazon.com/dp/B00452VG34Publication Date: September 29, 20106 Reviews ★★★★★#6 in Kindle Store > Kindle eBooks > Humor & Entertainment > HumorPX This. (Diary of the Matre d to the Stars), by Abbe Diaz, is the witty, irreverent (star-studded) four-year diary of a struggling artist/fashion-designer moonlighting as a matre d at some of Manhattans most renowned restaurants. It is a humorous, poignant, and uniquely insightful romp through the nightly playgrounds of some of New Yorks (and Hollywoods) most glamorous and elite, as viewed from the front podium.
Youll laugh! Youll cry! Its the bible of the [NYC fine-dining Food and Beverage] industry.About the Author
Abbe Diaz is a freelance commercial-artist, designer/dressmaker, and restaurant consultant. She has worked in the restaurant/bar industry for nearly 25 years, with numerous stints throughout the New York dining/party scene that include: Limelight, Palladium, Tunnel, Club USA, Coffee Shop, Spy, Cafe Tabac, The Strand (Miami Beach), Mercer Kitchen, Ilo, Lotus, and Theo. She served as the opening maitre d' for The Park, Smith, and 66.She is proud to have had the opportunity to work under such nightlife arbiters as: Jean-Georges Vongerichten, Brian McNally, Jonathan Morr, Peter Gatien, Eric Goode, and Sean Macpherson.Diaz gained a B.A. in Economics from Rutgers College, Rutgers University - New Brunswick. She was further educated as a non-matriculate Design student at the Fashion Institute of Technology, in NYC, where she currently resides.
Books & Magazines Deals
g: 0 Posted By: bpvh
Views: 129 Replies: 0 OfficeMax in-store BTS deals week of 07/21/2013: 1 index cards, glue sticks, pencils; 50 pencil boxes, wipes, mini storage boxes, notebooks
Weekly PENNY DEALS:SCHOOLIO 3x5 Index Cards, 100-Pack* [2250-4951/2250-4960] $0.01, Limit 2
1 Cent after $5 minimum purchase, before taxes and excluding Max Value items.
Available in ruled or blank.
First 5 at 1 Cent each. Additional at regular price.OfficeMax Glue Sticks, 2-Pack* [2160-6291/2248-9647] $0.01, Limit 2
1 Cent after $5 minimum purchase, before taxes and excluding Max Value items.
First 2 at 1 Cent each. Additional at regular price.Single Woodcase #2 Pencil* [2345-3460] $0.01, Limit 20
1 Cent after $5 minimum purchase, before taxes and excluding Max Value items.
First 20 at 1 Cent each. Additional at regular price.
$0.50 Deals (Not marked as Max Value items in the online flyer at least for my zipcode):Sliding Pencil Box* [2227-5431] $0.50, Limit 5
First 5 at 50 each. Additional at regular price.CLOROX Disinfecting Wipes To-Go Pack* [2108-9858] $0.50, Limit 5
First 5 at 50 each. Additional at regular price.All REALLY USEFUL 0.14-Liter Mini Storage Boxes $0.50, Limit 10
First 10 at 50 Cents each. Additional at regular price.
Available in clear, pink, purple and blue.SCHOOLIO 1-Subject Notebook, 70 Sheets* [2228-3280/2228-5590] $0.50, Limit 5
First 5 at 50 each. Additional at regular price of $0.59.
Available in wide or college rule.
Coupon:SAVE $5 when you purchase $25 or more in office and school supplies (coming soon)
Plus save online at OfficeMax.com with promo code SCHOOL.Valid 7/21/13 thru 7/27/13 in store and online at OfficeMax.com. Coupon valid on regular-, sale-, promotional- and/or clearancepriced items. Limit 1 per customer. Minimum purchase of $25, before taxes, required. Discount does not apply to calculators and backpacks. Void if copied, sold, purchased, transferred, taxed or where prohibited. Cannot be combined with any other coupon, associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. Not valid on purchases of gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, U.S. postage stamps, shredding services, MaxAssurance, Ctrlcenter, OfficeMax Essentials kits, assembly or FedEx shipping services. Not valid on prior purchases or for credit card payments. No rain checks on offer unless required by law. Coupon only valid in the U.S., Puerto Rico and the U.S. Virgin Islands. Coupon limited to onetime use only and must be surrendered at time of purchase. No cash or credit back. Cash value .001. 2013 OMX, Inc.
=======================For this week's bonus rewards thread, see "OfficeMax MaxPerks Bonus Rewards week of 07/21/2013: labels $0.01 after rewards, ream paper $1 a/rewards, case paper $5 a/rewards" LINK=======================
Office & School Supplies Deals

OfficeMax Coupons
g: -1 Posted By: outtawhack
Views: 196 Replies: 1 This is a decent deal if you were in the market for a 13" MBP or MBA.Any email address which ends in .edu will net you an extra $100 off any Macbook or any iMac at Best Buy through 8/17.Here is the link to register your .edu address: College Student DiscountI got the coupons using my alumni email address which is a fake email which redirects to my personal email.A few seconds later you should get a set of coupons in your inbox....10% off touchscreen all in one computers
$100 extra off all Macbooks
$100 extra off all iMacs
a whole bunch of others.Through 7/26 Best Buy is selling the 13" Macbook Pro non-retina for $999, this knocks an extra $100 off making it $899.The 2012 13" Macbook Air would be $849 and the 2013 13" Macbook Air would be $949.That said if you weren't going to buy one in the next couple weeks it may not be super hot considering a new Macbook Pro with the better Haswell CPUs and a new lighter thinner form factor are due soon enough, so this same Macbook may be had for less in a month.And please no comments about Macs being expensive, I can't subject my spouse to Windows 8 and it's an equal waste of money right now to spent $500-$1000 for a decent touchscreen Windows 8 laptop knowing Haswell CPUs will be flooding the market soon which will crash the prices on current Windows 8 laptops available.
Laptops Deals

Best Buy Coupons
g: 1 Posted By: Solipsist
Views: 1304 Replies: 2 Extra 50% off AE Clearance @ American Eagle Outfitters - Extra 50% off
Free shipping on all orders
No coupon required. Discounts automatically applied at checkout.
Offer TermsBeginning July 18, 2013 at 6:00 A.M EDT for a limited time get 50% off AE clearance items in AE stores and at ae.com. This 50% off discount is automatically applied once an AE Clearance item(s) is added to the ae.com shopping bag. This 50% off offer can be combined with other discount offers. Discount applies to merchandise at ae.com and AE stores. Only valid in US and Canada stores. Discount applies to merchandise costs only, not tax and shipping & handling costs. This discount is not redeemable for cash, nor applicable toward previously purchased merchandise. Discount only valid on AE Clearance items. Excludes Aerie merchandise, AEO Factory merchandise and merchandise from these brands: Adidas, Bass, BC, Bed Stu, Birkenstock, Clarks, Creative Rec, DV, Eastland, GOLA, Havaianas, Keds, MIA, Minnetonka, New Balance, New Balance/PF Flyers, Palladium, Pro Keds, Reebok, Seychelles, Steve Madden, Tailgate, Timberland, Tretorn, Volley and college and pro merchandise. Discount promotion and associated terms and conditions subject to change at AE's sole discretion.(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals
g: 1 Posted By: Solipsist
Views: 454 Replies: 1 Extra 50% off AE Clearance @ American Eagle Outfitters - Extra 50% off
$7.00 flat-rate shipping
Free shipping on orders over $100No coupon required.  Discounts automatically applied at checkout.
 Offer TermsBeginning July 18, 2013 at 6:00 A.M EDT for a limited time get 50% off AE clearance items in AE stores and at ae.com. This 50% off discount is automatically applied once an AE Clearance item(s) is added to the ae.com shopping bag. This 50% off offer can be combined with other discount offers. Discount applies to merchandise at ae.com and AE stores. Only valid in US and Canada stores. Discount applies to merchandise costs only, not tax and shipping & handling costs. This discount is not redeemable for cash, nor applicable toward previously purchased merchandise. Discount only valid on AE Clearance items. Excludes Aerie merchandise, AEO Factory merchandise and merchandise from these brands: Adidas, Bass, BC, Bed Stu, Birkenstock, Clarks, Creative Rec, DV, Eastland, GOLA, Havaianas, Keds, MIA, Minnetonka, New Balance, New Balance/PF Flyers, Palladium, Pro Keds, Reebok, Seychelles, Steve Madden, Tailgate, Timberland, Tretorn, Volley and college and pro merchandise. Discount promotion and associated terms and conditions subject to change at AE's sole discretion. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals
$2(or less) Comedy DVD's. Knocked Up $1.60, Harold & Kumar Go to White Castle $1.89, National Lampoon's Dorm Daze $2. Amazon FS w/PrimeCrude humor comedies, but cheap. The Knocked Up movie comes with a free HD DVD, for those "cool enough" to own an HD DVD player.Knocked up: http://www.amazon.com/Knocked-Up-Combo-DVD-Standard/dp/B000TZJBP...Harold & Kumar Go to White Castle:
http://www.amazon.com/Harold-Castle-Extreme-Unrated-Edition/dp/B...National Lampoon's Dorm Daze 2:
http://www.amazon.com/National-Lampoons-Dorm-Daze-College/dp/B00...
Amazon Coupons
Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
check the rewards store and saw this thought it might helps some college students out. I live in colorado and thats where my account is registered so it is possible other states will have there colleges here is the linkhttp://www.mycokerewards.com/rewards/csu-25-campus-bookstore-gif...college bookstores so far are
Colorado state university
Auto Loan / Payoff
Added on : Monday July 15th 2013 06:00:07 AM
Ok here is the deal i graduated college and have a real job now and decided to go buy me a nice car 28k. I don't have any trouble making the payments on it, I just did not put any money down on it so I am around 1000-2000 upside down on it. What i am wanting to do is get a cheaper car that i can pay off and have liability and start paying extra on student loans. My question is should i go ahead and trade it in for a cheaper car with negative equity or wait till I catch up then trade it in? any advice appreciated
Option Strategies for Earnings Announcements: A Comprehensive, Empirical Analysis [Kindle Edition] was $49.99Ping Zhou (Author), John Shon (Author)http://www.amazon.com/dp/B009R6O392Publication Date: October 15, 2012Publisher: FT Press10 Reviews ★★★★By trading on corporate earnings, investors can reliably profit in both up and down markets, while avoiding market risk for nearly the entire quarter. In this book, two leading traders and portfolio managers present specific, actionable techniques anyone can use to capture these sizable profits. Ping Zhou and John Shon have performed an unprecedented empirical analysis of thousands of stocks, reviewing tens of millions of data points associated with option prices, earnings announcement returns, and fundamentals. Their massive analysis has identified consistent opportunities associated with focusing on the magnitude of the markets reaction to earnings, not its direction. Option Trading Set-Ups for Corporate Earnings News offers concrete guidance for improving the likelihood of making correct forecasts, and managing the risks of incorrect forecasts. It introduces several ways to exploit option trading opportunities around earnings news, discuss Crucial issues that most retail investors havent considered, and explore aspects of earnings-related option trading that have never been empirically examined and documented before. For example, they identify hidden patterns and potential opportunities based on valuation, industry, volatility, analyst forecasts, seasonality, and trades that immediately follow earnings announcements. Simply put, trading on earnings reports offers immense profit opportunities, if you know how. This book provides incontrovertible facts and detailed strategies, not just theories and anecdotes!Option trading on earnings reports offers immense profit opportunities, if you know how. For the first time ever, theres a comprehensive, evidence-based guide to profiting from these trades. This guide reflects analysis of the full universe of all equity options contracts traded over 14 years: objective, empirical results based on millions of observations. The authors distill this unique data set into knowledge you can immediately apply to identify trades with high profit potential and low market risk.Zhou and Shon demonstrate the impact of changes to holding periods, strike prices, expiration months, and other factors. Next, they walk through diverse approaches based on options trades made before, during, and after earnings announcements. Finally, they explore ways to improve profitability by identifying characteristics of securities most likely to support profitable earnings-related trades--even drilling down to specific industries and the impact of analysts forecasts.By trading on corporate earnings, investors can potentially profit in both up and down markets. Moreover, such strategies avoid taking market risk during non-event periods. Now, two leading traders and portfolio managers present detailed, specific, actionable techniques any moderately experienced investor can use to capture these sizable profits.Ping Zhou and John Shon have performed an unprecedented empirical analysis of thousands of companies, reviewing tens of millions of data points associated with option prices, earnings announcement returns, and fundamentals. They have identified consistent opportunities associated with focusing on the magnitude of the markets reaction to earnings, not necessarily its direction. Drawing on this extraordinary body of work, they offer concrete guidance for improving the likelihood of making correct forecasts and managing the risks of incorrect forecasts. Their analysis is based on solid, empirical evidence rather than selective anecdotes, which lends higher credibility to their recommendations. Their quantitative work also helps investors better quantify and manage risks. Option Strategies for Earnings Announcements introduces valuable new ways to exploit option trading opportunities around earnings news, illuminates Crucial issues most investors have never considered, and explores aspects of earnings-related option trading that have never been empirically examined before. Whether youre an options investor seeking profitable market-neutral strategies or an equity investor who wants to hedge earnings-related risk, it provides the end-of-quarter advantage youve been searching for.This is a remarkable book that I would recommend to any active investor who wants to explore event-driven strategies and go beyond simple buy-and-hold. Ping Zhou and John Shon provide some very detailed analysis on trading earnings news with options. They expertly cover directional and volatility trades and trades around earnings announcements, discuss the security selection process, and document the backtest results of their strategies.
--Minh Trinh, Managing Partner, Referee Advisors LLCThe authors have provided a remarkable analysis of how the timing of earnings announcements affects option value. This clarifies the true meaning of volatility, and the exhaustive research that backs up the authors conclusions leaves no doubt about the effects of earnings timing. Whether you prefer long or short positions, in, at, or out of the money, or volatility plays, you cannot ignore the importance of this work. I recommend this book to all serious options traders.
--Michael C. Thomsett, author, Options Trading for the Conservative Investor, second edition, and The Options Trading Body of Knowledge Detailed strategies supported by comprehensive analysis of the actual data: not cherry-picked anecdotes or guesswork
For option investors seeking market-neutral strategies and stock investors who want to hedge earnings risksOption trading on earnings reports offers immense profit opportunities, if you know how. For the first time ever, theres a comprehensive, evidence-based guide to profiting from these trades. This guide reflects analysis of the full universe of all equity options contracts traded over 14 years: objective, empirical results based on millions of observations. The authors distill this unique data set into knowledge you can immediately apply to identify trades with high profit potential and low market risk.Zhou and Shon demonstrate the impact of changes to holding periods, strike prices, expiration months, and other factors. Next, they walk through diverse approaches based on options trades made before, during, and after earnings announcements. Finally, they explore ways to improve profitability by identifying characteristics of securities most likely to support profitable earnings-related trades--even drilling down to specific industries and the impact of analysts forecasts.By trading on corporate earnings, investors can potentially profit in both up and down markets. Moreover, such strategies avoid taking market risk during non-event periods. Now, two leading traders and portfolio managers present detailed, specific, actionable techniques any moderately experienced investor can use to capture these sizable profits.Ping Zhou and John Shon have performed an unprecedented empirical analysis of thousands of companies, reviewing tens of millions of data points associated with option prices, earnings announcement returns, and fundamentals. They have identified consistent opportunities associated with focusing on the magnitude of the markets reaction to earnings, not necessarily its direction. Drawing on this extraordinary body of work, they offer concrete guidance for improving the likelihood of making correct forecasts and managing the risks of incorrect forecasts. Their analysis is based on solid, empirical evidence rather than selective anecdotes, which lends higher credibility to their recommendations. Their quantitative work also helps investors better quantify and manage risks. Option Strategies for Earnings Announcements introduces valuable new ways to exploit option trading opportunities around earnings news, illuminates Crucial issues most investors have never considered, and explores aspects of earnings-related option trading that have never been empirically examined before. Whether youre an options investor seeking profitable market-neutral strategies or an equity investor who wants to hedge earnings-related risk, it provides the end-of-quarter advantage youve been searching for.Let the data surprise you--and follow where it leads
Profit from historical evidence you (and the rest of the market) didnt expectLet the data surprise you--and follow where it leads
Profit from historical evidence you (and the rest of the market) didnt expectMaster volatility-based earnings trades
Trade on the magnitude of earnings-based moves, not their directionRide post-earnings-announcement drift to greater profits
Outperform by combining the right securities with the right strategiesUse advanced analysis to significantly improve your odds
Exploit implied volatility, market cap, valuation, industry effects, and historical earnings announcement returns to improve the probabilities of profitable trades
About the AuthorPing Zhou, Portfolio Manager and Senior Vice President at Neuberger Berman, specializes in portfolio theory, market anomalies, investor behavior, corporate finance, and risk management. Formerly Accounting Professor at City University of New York-Baruch College, he publishes extensively in leading academic and practitioner journals on equity investing. He holds a Ph.D. in Accounting from Georgia State Universitys Robinson College of Business.John Shon, Prof. of Accounting at Fordhams Gabelli School of Business and Graduate School of Business Administration, has earned several grants and awards for his equity markets research and has published extensively in academic journals. He holds a Ph.D. in Accounting and an MBA from the University of Chicagos Booth School of Business.
Amazon Coupons
Background info: 23, out of college, first job, ~50k salary. I want to purchase a home in about 6 years. I already max out my ROTH IRA and want to start putting aside money for a down payment on a house. I don't want to just leave my money in a savings account or CD earning 1% a year, not even keeping up with inflation. I'm thinking I can put aside about $800 a month into a brokerage account spread across some ETF's and/or low fee mutual funds. However, there seems to be a lot of fees associated with having brokerage accounts. Hypothetically, if I were to have 5 funds, and I wanted to put money into each fund every month, the fees would take out $7*5=$35 from the $800 I put in. That's over 4% lost up front. This would occur monthly, so over a year, $35*12 = $420 of expenses. How can a "little guy" like myself get into the market without the large fees? Thanks for your input.
BTS Back to School Supplies week of 07/14/13
Added on : Sunday July 14th 2013 06:00:03 AM
Office Depot Select Notebook Filler Paper
25 ea On Sale Now!
See The Weekly Ad
Offer valid 7/14/2013 through 7/20/2013
Find it at: Office Depot
Reg. $1.69
Limit 3 per household/business. While supplies last. No rainchecks2-Hole Manual Pencil Sharpeners25
Reg. 99
Valid 7/14/13 through 7/20/13 Item #283-966
Today's Inventory:
Available at Your Selected Office Depot StoreLimit 3 per household/business. While supplies last. No rainchecks.
.
Office Depot Brand Flexible Ruler
50
Reg. $5.99FORAY Single Pens
50
Reg. $1.99Crayola Crayons, 24-CT
50
Reg. $1.69

OfficeMax Offer valid 7/14/2013 through 7/20/2013
Single Woodcase #2 Pencil*
1 cents On Sale Now!
Reg. 5 cents
Weekly PENNY DEALS
after $5 minimum purchase, before axes and excluding Max Value items. First 20 at 1 cent each. Additional pencils at regular price. *Available in store only. While supplies last.
OfficeMax Wide- or College-Rule Poly Notebook, 70 Sheets*
$1
EACH
Jul 14 thru Jul 20
2329-8496/2329-8673
Max Value
*Available in store only. While supplies last.
SCOTCH Student Scissors
2 FOR $3
Buy 1 at Reg. $1.99
Jul 14 thru Jul 20
2391-8110/2400-0661
Buy 1 at Reg. $1.99
Mix and match. While supplies last.
OfficeMax 4-oz. Glue or Glue Sticks, 4-Pack*
25 cents
EACH
Reg. $1 - $1.75
Jul 14 thru Jul 20 All SCHOOLIO Paper Folders*
15 cents
EACH
Reg. 25 cents
Jul 14 thru Jul 20
Available with or without fasteners.
Reg. 25 cents
Max Value
First 10 at 15 cents each. Additional folders 25 cents each. *Available in store only. While supplies last.SCHOOLIO 1" or 1.5" 3-Ring Poly Binder*
$1
EACH
Reg. $1.49 - $1.99
Jul 14 thru Jul 20
2228-0586/2228-0602
Reg. $1.49 - $1.99
Max Value
First 5 at $1 each. Additional binders at regular price. *Available in store only. While supplies last. All JUST BASICS Ballpoint Pen 10-Packs*
25 cents
EACH
Reg. $1
Jul 14 thru Jul 20
Reg. $1
Max Value
First 5 at 25 cents each. Additional packs $1 each. *Available in store only. While supplies last.
PURELL 1-oz. Advanced Hand Sanitizer*
10 cents
EACH
Reg. 99 cents
Jul 14 thru Jul 20 CRAYOLA Crayons, 24-Pack*
50
EACH, $1Tuesday thru Saturday
Jul 14 thru Jul 20
Staples
Staples Memo pad with magnetic closure, 3" x 4.25", 60 sheets
25
Reg. price 50
Jul 14 thru Jul 20 Zebra Z-Grip mechanical pencils, 7/pack
$1
Reg. price $3.99
Jul 14 thru Jul 20
Staples Memo pad with magnetic closure, 3" x 4.25", 60 sheets
25
Reg. price 50
Jul 14 thru Jul 20 Slider pencil case, assorted
25
each
Jul 14 thru Jul 20
Limit 2 per customer. Above limit price $1. While supplies last. In store only.Staples 8.5" x 11" multipurpose paper, 500 sheets /ream
$1 after easy rebate
$6.99 - $5.99 easy rebate = $1Staples fat book, 5.5" x 4.25", 200 sheets
$1
Reg. price $2.99
Jul 14 thru Jul 20
Reg. price $2.99
Assortment varies by store. In store only. While supplies last. Each $1 and $2 item is limit 2 per customer unless otherwise noted.
Walgreens
Backpacks or Tote Bags
buy 1 at $10.99 get 1 free with card
Reg. $10.99
Jul 14 thru Jul 20
School Supplies
49
Jul 14 thru Jul 20 Wexford Scissors, 5 in. Crayola Posterboard, 22x28 in. Tijeras o Cartulina
good at Walgreens with COUPON and CARD/vlido en Walgreens con cupn y tarjeta
Limit 6. No limits in NM.School Supplies
39
Jul 14 thru Jul 20
Wexford No. 2 Pencils, 8 pk. Penway Crayons, 24 pk. Lpices o Crayones
good at Walgreens with COUPON and CARD/vlido en Walgreens con cupn y tarjeta
Limit 6. No limits in NM.
Wexford 1-Subject Notebooks
49
Jul 14 thru Jul 20 Wexford School Supplies
8/$1 On Sale Now!
2-Pocket Folder Mini Highlighter Carpeta con 2 Bolsillos o Mini Resaltador
good at Walgreens with COUPON and CARD/vlido en Walgreens con cupn y tarjeta
Limit 16. No limits in NM.WalMart
1 Subject 70 Sheets Wide or College Ruled Notebook
17 each
Jul 14 thru Jul 20
Crayola Crayons
50
Jul 14 thru Jul 20
24 ct.
Prices, promotions, styles, and availability may vary by store and online.
2 Pocket or 2 Pocket with Prongs Paper Folders
15 each
Jul 14 thru Jul 20 USA Gold Pencils 10 Pack
$1.84
Jul 14 thru Jul 20 1" Economy Binder
92
Jul 14 thru Jul 20
Variety of colors available
Prices, promotions, styles, and availability may vary by store and online.2 Pocket or 2 Pocket with Prongs Poly Folder
50 each
Jul 14 thru Jul 20
CVS
Caliber 1-subject notebook sheets
buy 1 get 1 FREE*
WITH CARD
Jul 14 thru Jul 20 ALL Scotch Mailing Supplies
buy 1 get 1* 50% OFF
WITH CARD
Jul 14 thru Jul 20
Target
up & up school supplies
50 EACH On Sale Now! Kids licensed or Pet Pal backpacks
$13 EACH
sale
Back-to-School Shop.Embark backpack with matching lunch kit
$16 EACH
sale
Jul 14 thru Jul 20
Kmart
Solid poly color folders, Westcott shatterproof rulers, Elmer's 2-pk. school
SALE 50 each
Jul 14 thru Jul 20 BIC 10-ct. Round Stic pens or 5-subject notebooks
SALE $1.49
Jul 14 thru Jul 20 Marble black & white or colored composition books, 3"x 3" Super Sticky Post-it notes
SALE $1.00 each
Jul 14 thru Jul 20
or Sharpie 2 pk. fine or ultra-fine black markersCrayola 12-ct. colored pencils or 10-ct. broad or fine markers
SALE $1.25
Jul 14 thru Jul 20
Walgreens Coupons
I am currently in college, and not enjoying where I am at. I am currently a resident of Illinois and want to attend University of Missouri. It is really expensive for being out of state, but if I gain residency it will be a lot cheaper. I am wondering if I will have to pay for my own insurance because i will become a resident, and whether or not I will be included on my parents taxes as being a dependent of them.Any suggestions or other ways to get around issues like this will greatly appreciated.
The condo is a 1 BR. It is in an a well off town close to my work. 1 BR's in the association were selling for around 200k from 04-07, now are selling for 125-135 in the last year or so. the condo would be a very easy, safe financial move. Paying the mortgage would be a breeze. I would pay it off in less then 10 years, and then hold it, become a landlord and collect an inflation protected ~$600 a month for life. Other option would be to buy a 2 family house in a lower end town. Its near a college with 10,000 students. It would run around $210,000 for a 2 unit house with a couple 2 BR apts. I could rent a 2BR apartment out for $1200 a month even if its outdated and not very nice. I would probably also let a buddy live with me for like $400 a month in the spare bedroom in my apt. Thinking maybe the 2 family would be the better financial move, even if it is a bit riskier.
The Big One solid bath towels $1.99 - $4 @ Kohl's
Added on : Friday July 12th 2013 08:00:02 AM
Get the Big one solid bath towels for only $1.99 - $4 ( reg.$5.99 - $9.99 ) in-store from Kohl's or go to www.kohls.com/product/prd-c27214/the-big-one-solid-bath-towels.j... to check out this deal that's great for the college students going back to school.many colors available
First home buyer - 30 yr fixed jumbo or 5/5 arm
Added on : Thursday July 11th 2013 02:00:04 AM
I'm first time buyer and buying a bigger home. I've sufficient finances and make 150-175k/year. Enough in 401k/roth/ira, emergency fund etc.My son goes to college in about 7 years. I plan to be in house for > 10 but may be less than 15 years. Home is $750k, taking 600k loan.1. I have option of paying upfront cash and take $417k conventional loan. I have convinced myself not to waste liquid cash.2. I get 30 yr fixed jumbo @4.375% interest with $3000k payout from Wells fargo. Or using famous penfed 5/5 arm with closing costs covered @8000$. There is difference of 1.375% difference between the two.
Is it better to take 30 yr fixed or arm? Thanks. Is it better to pay off in about 10-15 years or at least keep min. debt?
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
http://www.amazon.com/dp/B0055PJHPYGenre RomanceDigital List Price: $4.99
Print List Price: $11.99
Kindle Price: $0.00Book Description
Publication Date: June 12, 2011
An Amazon Bestseller - SOON TO BE A MAJOR MOTION PICTURE
Maggie is a seventeen year old girl who's had a bad year. She was smart and on track, but her mom left, her dad is depressed, she's graduating, barely, and her boyfriend of almost three years dumped her for a college football scholarship. Lately she thinks life is all about hanging on by a thread and is gripping tight with everything she has.
Then she meets Caleb.
She saves his life and instantly knows there's something about him that's intriguing, but she's supposed to be on her way to a date with his cousin. Things change when they touch, sparks ignite. Literally.
They imprint with each other and she sees their future life together flash before her eyes. She learns that not only is she his soul mate, and can feel his heartbeat in her chest, but there is a whole other world of people with gifts and abilities that she never knew existed. She herself is experiencing supernatural changes unlike anything she's ever felt before and she needs the touch of his skin to survive. Now, not only has her dad come out of his depression to be a father again, and a pain as well, but Caleb's enemies know he's imprinted and are after Maggie to stop them both from gaining their abilities and take her from him.
Can Caleb save her or will they be forced to live without each other after just finding one another?
Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
Technical Analysis of Gaps: Identifying Profitable Gaps for Trading [Kindle Edition] was $35.99Julie Dahlquist (Author), Richard J. Bauer (Author) http://www.amazon.com/dp/B0089EM3GIPublication Date: June 5, 2012Publisher: FT Press23 Reviews ★★★.5#1 in Kindle Store > Kindle eBooks > Business & Investing > Investing > StocksGaps have attracted the attention of market technicians from the earliest days of charting. Theyre not merely conspicuous: they represent price jumps that could signal profitable trading opportunities. Until now, however, "folklore" about gap trading has been common, and tested, research-based knowledge virtually nonexistent. In Technical Analysis of Gaps, renowned technical analysis researchers Julie Dahlquist and Richard Bauer change all that. Drawing on 60 years of comprehensive data, they demonstrate how to sort "strategic" gaps from trivial ones, and successfully trade on gaps identified as significant. Building on work that recently earned them the Market Technicians Associations 2011 Charles H. Dow Award for creativity and innovation in technical analysis, Dahlquist and Bauer offer specific gap-related trading tips for stocks, futures, and options. They consider a wide variety of market conditions, including gap size, volume and previous price movement, illuminating their findings with easy-to-understand diagrams. Coverage includes: understanding what gaps are and how they arise; recognizing windows on candlestick charts; identifying gaps with superior profit potential; combining gaps with other technical techniques for a more complete and effective analysis; and putting it all together with real trading strategies. For stock, commodity, and currency traders in the U.S. and worldwide, and for active individual investors seeking new ways to maximize returns.About the AuthorJulie R. Dahlquist, Ph.D., CMT is a senior lecturer, Department of Finance, at the University of Texas at San Antonio College of Business. She is the recipient of the 2011 Charles H. Dow Award for excellence and creativity in technical analysis. She is the coauthor (with Charles Kirkpatrick) of Technical Analysis: The Complete Resource for Financial Market Technicians and coauthor (with Richard Bauer) of Technical Market Indicators: Analysis and Performance. Her research has appeared in a number of publications, including Financial Analysts Journal, Journal of Technical Analysis, Active Trader, Working Money, Managerial Finance, Financial Practices and Education, and the Journal of Financial Education. She serves on the board of the Market Technicians Association Educational Foundation and is a frequent presenter at national and international conferences. She earned her B.B.A. and Ph.D. in economics from University of Louisiana at Monroe and Texas A&M, respectively, and her M.A. in Theology from St. Marys University.
Richard J. Bauer, Jr., Ph.D., CFA, CMT is Professor of Finance at the Bill Greehey School of Business at St. Marys University in San Antonio, Texas. His degrees include a B.S. in Physics, M.S. in Physics, M.S. in Economics, and a Ph.D. in Finance. He is the author of Genetic Algorithms and Investment Strategies and Technical Market Indicators (with J. Dahlquist), both published by John Wiley and Sons. He is the recipient of the 2011 Charles H. Dow Award for excellence and creativity in technical analysis. His research has appeared in a number of publications, including Financial Analysts Journal Journal of Business Research, Managerial Finance, and Korean Financial Management Journal. He became a CFA charterholder in 1990 and a CMT charterholder in 2010. He is a past president of the CFA Society of San Antonio.
Amazon Coupons
Staples Ad: 07/14 - 07/20: $1 Ream Paper after SER, backpacks, 25 crayons, 25 glue, $1 Items, $2 Items, $10 SER on $60 HP inkhttp://www.staples.com/

25 Items:

Staples school glue, 4 oz. (855975) -- limit 2 per customer
Slider pencil case (599113) -- limit 2
RoseArt crayons (504550) -- limit 2
Staples Memo pad w/ magnetic closure, 3" x 4.25", 60 sheets (899060) -- limit 2
Staples Easy Rebates:

Staples 8.5" x 11" multipurpose paper, 500 sheets/ream (513099), $6.99 - $5.99 easy rebate = $1 after SER -- limit 2
Staples photo supreme 8.5" x 11" paper, double-sided matte, 50/pack (564121), $14.99 - $11.99 easy rebate = $3 after SER -- limit 4
Buy $60 of HP ink and get a $10 Staples gift card after easy rebate (not valid on HP toner) -- limit 2
$1 Items

BIC Wite-Out correction tape, 2/pack (482491) -- reg. $4.49
Zebra Z-Grip mechanical pencils, 7/pack (521181 & 567199) -- reg. $4.79
Staples fat book, 5.5" x 4.25", 200 sheets (481762) -- reg. $3.29
$2 Items

Staples 3-hole binder punch (193425) -- reg. $4.79
Staples invisible tape, 3/4" x 300", 4/pack (729449) -- reg. $4.49
Staples Hype! pen-style highlighters, 6/pack (412775 & 412783) -- reg. $4.49
Staples Accel 1-subject notebook, wide or college ruled, 100 sheets (assorted colors and SKUs)
Elmer's clear glue sticks, 3/pack (672971) -- reg. $4.29
Purell instant hand sanitizer, 8 oz. (320863 & 824874), in store only -- reg. $3.99
Misc.

Staples eraser and grip value tub, 115/pack (433345), $5 (reg. $10.79)
Recycle your old binder, save $2 instantly on the purchase of a new binder (excludes simply brand binders)
JanSport big student backpack (639110 & 854836), $44.99 (reg. $59.99)
25%-50% off all backpacks (excludes clearance items)
Up to $20 off scientific and graphing calculators
Charmin Basic bathroom tissue, 16 big rolls (833825), $6.99 (reg. $9.99)
Bounty single-fold paper towels, 12/pack (854955), $6.99 (reg. $10.99)
Up to $180 off of chairs and furniture

thnx AintEinstein; Today at 02:42 AM..
Staples Coupons
L-Shaped Glass Computer Desk on Amazon for $80 with free shipping
Added on : Monday July 08th 2013 03:00:03 AM
This is the link... http://www.amazon.com/dp/B00166DUSG/I have the silver one already and it is a great desk. My son is starting his first year at the local community college and this desk, with a little moving around, will fit nicely in his bedroom. Other desks are significantly higher. I see where it has been as low as $70 in past years. Think I'll get some window tint to blacken out the glass. Any thoughts?Almost forgot, ships in three to six weeks.... I'm waiting.
Amazon Coupons
TextMagic Chef 3.5 cu. ft. Mini Refrigerator in Stainless Look, ENERGYSTAR WAS $159
Model # HMBR350SE
http://www.homedepot.com
Internet # 203425045 Store SKU # 637338$98.00 /EA-Each
Pick Up In Store FreeWhether you're college-bound or simply want a little extra refrigerator space in your home, this Magic Chef 3.5 cu. ft. Compact Refrigerator has the storage options you're looking for. The sleek appearance is matched by its well-designed interior a can dispenser conveniently keeps soda in the door while additional door shelves provide space for other frequently used items. Glass refrigerator shelves are easy to clean.Energy Star qualified - meets or exceeds federal guidelines for energy efficiency, which means year-round energy savings
Upfront Interior analog controls for making quick adjustments to internal temperature
3 fresh-food shelves provide storage for both larger items and smaller items to efficiently utilize interior capacity
Door shelves help you keep frequently used items up front for easy access
Can dispenser keeps soda cans neat and convenient
3.5 cu. ft. capacity mini refrigerator is manual defrost
Full width freezer compartment allows for freezing of smaller frozen food items
Interior light for easy viewing of stored items
Warranty is 1 Year Parts and Labor, 5 Years on compressor (parts only)
This item does not qualify for the Major Appliance Delivery and Haul Away or Installation Services
This item does not qualify for the Major Appliance Delivery and Haul Away or Installation Services
MFG Model # : HMBR350SE
MFG Part # : HMBR350SE
Home Depot Coupons
See linkBuy a Mac for college,
get a $100 App Store Gift Card and also save with education pricing. Or buy an iPad or iPhone and get a $50 card.* Youll receive your App Store Gift Card with your purchase when you buy a qualifying product from one of these stores:**Apple Online Store for Education
Apple Retail Store
Apple Authorized Campus StoreWho qualifies
To qualify for the App Store Gift Card and get
education pricing on a Mac, you must be a college student, a student accepted to a college, a parent buying for a college student, or a faculty or staff member from any grade level. Apple does this offer every year - other than that, there is usually no discount on iPhone purchase from them.
Apple Store Coupons
Santa Monica College (SMC), CA - New Students (YMMV)
VIP Welcome Day: Friday, August 23, 2013Outline of the day's events:
8 to 9 a.m. Check-in at the main campus Quad.
9 a.m. Opening Ceremony in front of the library steps
10 to 10:50 a.m. Workshop Series #1 (See our listing of workshops for details)
11 to 11:50 a.m. Workshop Series #2
Noon to 1:30 p.m. Lunch provided by IN-N-OUT BURGER and Green Truck! Yum!
8 a.m. to 1 p.m. Campus Resource Fair in the quad
1 to 3 p.m. Special Out-of-State student orientation
1 to 4:30 p.m. Take care of back-to-school-business (pay fees, buy your books, etc.)Lunch is available after the second workshop session until 1 p.m. in the quad by the fountains.

A variety of foods from IN-N-OUT BURGER will be provided free of charge while supplies last! Green Truck will also be on site with organic and vegetarian/vegan options.

And, free giveaways will be distributed throughout the day while supplies last!SMC VIP Welcome Day
Subsidized Student Loans Will Be Variable Rates Soon
Added on : Tuesday July 02nd 2013 07:00:05 AM
http://online.wsj.com/article/SB10001424127887323393804578555143...I can usually tell how a bill will shake out just based on the leverage of different players and those that are lining up on different sides.The compromise legislation will probably be something like 10 year treasury +.5%. It's possible that either side could get the other side to go their way with treasury +1%(or higher) or treasury +0%, but the people trying to stop this or actually even decrease fixed rates even more will lose since not doing anything means that they shoot up to double the rate fixed. Thought this was material enough financial information to some people especially those looking at going to school or back to school to post.
P.S. I particularly laughed hard at the idiocy of Elizabeth Warren in this situation.
WSJ said:
If you think the federal student-loan program looks like a bad deal for taxpayers, imagine how it would look with honest accounting. And now you don't need to imagine thanks to a new report that's receiving far too little attention. Turns out that the official "savings" for taxpayers of $184 billion over the next decade really add up to $95 billion in losses.

Here's the scam: Lawmakers peddle what is a massive subsidy for universities while claiming that student loans generate a windfall for the taxpayer. This phony windfall is conjured by creative accounting that politicians mandated via the Federal Credit Reform Act of 1990. Specifically, the law requires a deliberate under-counting of the cost of defaults.

This is partly how a Democratic Congress and President Obama managed to enact ObamaCare in 2010 while claiming that their big entitlement expansion would reduce costs. The health plan was paired with legislation that made the U.S. Department of Education the originator of roughly 90% of all student loans, which in turn generated billions in imaginary budget "savings."

To its credit, the Congressional Budget Office has noted on various occasions that while the law forces it to use this Beltway math, CBO knows it's not accurate under fair-value accounting. And in a new report on the costs of student loans made in the decade ending in 2023, CBO quantifies the size of this discrepancy at $279 billion. CBO adds with its typically wry understatement that Washington's mandated accounting method "does not consider some costs borne by the government."

That's for sure. Now keep in mind that the $95 billion net loss for taxpayers happens under current law. This includes Monday's doubling of rates that pushed subsidized Stafford loans for undergrads up to 6.8% from 3.4%. Politicians on both sides of the aisle say they don't want the rate increase to stick, and they are working on a bipartisan compromise that would be retroactive to July 1.

It's too much to hope that the politicians will swear off fraudulent accounting or try to reduce defaults. But one positive development is a growing bipartisan consensus that student-loan rates should rise as the government's own costs of borrowing rise.

The House has already passed a bill that would prevent student rates from doubling but would also protect taxpayers in the future by floating the rates at some spread above the 10-year Treasury note rate, depending on the type of loan.

Senate liberals like Tom Harkin (D., Iowa) came into the debate demanding that subsidized Stafford loans remain at a fixed 3.4%. Freshman Elizabeth Warren (D., Mass.) even introduced a plan to lend to kids at the Federal Reserve's discount window rate, currently 0.75%. Senator Warren claims to understand finance, by the way.

Refreshingly, someone at the White House budget office figured out that offering low fixed rates to students could be disastrous as the Treasury's own borrowing costs start to go north. Since Mr. Obama and Democrats have driven private firms almost entirely out of this market, the private lenders can't be squeezed anymore to pay for the next round of subsidies. So the President's budget also calls for tying rates to the 10-year Treasury note, though his plan is more taxpayer-unfriendly than the House bill.

The President's baby step toward fiscal sanity seems to have caught his liberal allies by surprise. Hence the recent hilarious spectacle of Ms. Warren, a Democrat, resisting a GOP effort to force a vote on the President's proposal.

Ms. Warren feared the vote because moderate Democrats increasingly accept that rates have to be tied to something resembling economic reality. Last week Senators Joe Manchin (D., W.Va.) and Tom Carper (D., Del.) joined Maine Independent Angus King and Republicans Lamar Alexander, Richard Burr and Tom Coburn to introduce a compromise plan that ties rates to the 10-year Treasury.

But bitter-enders including Majority Leader Harry Reid still want to gore the taxpayer with a fixed 3.4% rate, financed by tax increases. When Congress returns after this week's recess, expect Mr. Reid to force a vote on a one-year extension of his sweetheart rate for colleges. Fortunately for taxpayers, the Senate will also likely vote on the bipartisan plan that moves toward market rates.

If Mr. Reid wins, a $95 billion taxpayer hit will look like a lowball estimate. Either way, you can count on politicians like him to keep claiming they're saving you money.
Apple is offering a $100 App Store gift card with purchase of a new Mac computer or a $50 App Store gift card with purchase of iPad or iPhone.LinkDetails:
Youll receive your App Store Gift Card with your purchase when you buy a qualifying product from one of these stores:**Apple Online Store for Education
Apple Retail Store
Apple Authorized Campus StoreTo qualify for the App Store Gift Card and get education pricing on a Mac, you must be a college student, a student accepted to a college, a parent buying for a college student, or a faculty or staff member from any grade level. DetailsBuy a qualifying Mac and receive a $100 App Store Gift Card, or buy a qualifying iPad or iPhone and receive a $50 App Store Gift Card. The Mac or iPad must be purchased from Apple or a participating Apple Authorized Campus Store from July 2, 2013, through September 6, 2013. iPhone devices must be purchased from Apple; Apple Authorized Campus Store iPhone purchases are not eligible. iPhone eligibility may vary by model. Purchaser must be eligible for Apple Education Individual Pricing; education pricing is not available for iPad or iPhone. Quantity limits may apply. The App Store Gift Card may be used on the Mac App Store, the iTunes Store, the App Store, and the iBookstore. If the Mac, iPhone, or iPad is returned, your refund may be reduced by the full amount of the App Store Gift Card. Terms and conditions apply. The Mac App Store, the iTunes Store, the App Store, and the iBookstore are available only to persons age 13 or older in the U.S. Terms apply. See www.apple.com/legal/itunes/terms.html for more information.**iPhone is not available at Apple Authorized Campus Stores.
Apple Store Coupons
Back-to-School Twin XL or Full Bedding Set with Mattress Pad, 6 Pc Towel Set, Pillow(s), Pouf and Laundry Baghttp://1saleaday.com/family/
1SaleADay Coupons
Sorry if this is common knowledge -- Recently, I applied for two of the checking accounts (at different banks) mentioned on FWF that were giving account-opening bonuses for jumping through some hoops. I noticed something regarding these applications that I had not run into before regarding online checking account applications (or other applications) - when they were verifying my identity, they obviously checked with some kind of report (credit report or just chex system?) and asked 3 questions regarding very old information that was on there.In both of the threads on those checking account bonus offers, other FW commenters had said that these banks only looked at the chex system during these account openings, and nothing had showed up on their credit reports regarding the applications, so I was surprised at the type of identity validation these banks were doing. (Maybe it's normal now? It's been 7 months since I've opened a checking account for a bonus.) I was surprised to see that one of the questions asked by both banks was about people I had known in the past -- I was given a list of 5 or 6 names and asked to tick which person I had interacted with before in my life. But how would they know the names of people I have associated with in the past? Does that type of thing show up on credit/financial-history reports?I can't even remember the full names of my past bosses or landlords or professors, or even some guys I dated long ago, let alone the names of random people I may have worked with in a huge office complex or lived near to in a college dorm or something, so this question seems tricky indeed. Does one now have to maintain a database with the names of every person one's ever met, to make sure not to fail this type of question?I didn't recognize the names that either bank provided, so I chose the answer "none of the above" for the name questions. On both applications, the other 2 seemingly-credit-report-based questions were about former addresses, and thank goodness I have a list of those -- one of the addresses I was challenged with I had only lived in as a subletter for 2 months, 22 years ago. Anyway, I am certain that all the address questions I answered correctly (because the addresses were on the list that I keep), but in the case of one bank's application, I got the message that I had failed the identity portion of the application because I had not answered all 3 questions correctly, and my application was cancelled. It seems as if they really did think I had known one of the people whose names they'd shown me. ?I started the application over again, and the second time the identity check asked different questions and I got through it successfully, so I was able to open that checking account, but I'm still a little confused about this strange names-from-the-mists-of-time aspect of i.d. checking. It felt creepy. (I know, 'welcome to modern life'!)Does it sound like they were doing pulls of my credit report? Again, sorry if I've missed a memo somewhere along the line and am asking a silly question.
Mission 85: The U.S. Eighth Air Force's Battle over Holland, August 19, 1943 (Stackpole Military History Series) [Kindle Edition] was $18.95Ivo De Jong (Author)http://www.amazon.com/dp/B00CYMZEL2Publication Date: March 1, 2013Publisher: Stackpole Books1 Review ★★★★★#1 in Kindle Store > Kindle eBooks > History > Military > Aviation● Minute-by-minute chronicle of the U.S. Eighth Air Force's bombing mission against German airfields in Holland
● Mission came just days after the famous Schweinfurt-Regensburg raid
● The Americans expected an easy mission, but it proved to be anything but
● Loaded with firsthand accounts from pilots and crews of bombers and fightersAbout the Author
Ivo de Jong, an officer in the Dutch army, has been an international fellow at the U.S. Army War College. He has researched the Eighth Air Force for nearly twenty years and lives in Holland.
Amazon Coupons
Garmin nuvi 50LM US 5.0 GPS Navigation System with Lifetime Maps Refurbished50LM GPSThis is a refurbished item; it has been professionally repaired by Garmin to work like new.Providing a complete navigation solution - nuvi delivers you safely wherever life takes you. Designed to make navigation easy, simply enter an address and premium features including lane assist with junction view, help you make all the right turns! With three different display options available, the nuvi is a great gift idea, whether it's an extra Garmin for another car, a college student, or anyone who could use a little help with directions.Product Features and SpecificationsLifetime Maps
Slim design fits easily in pocket
Easy-to-use, touchscreen interface - 5" diagonal color display
Lane assist with junction view - navigate with confidence while nuvi directs you to the preferred lane; also view images of upcoming junctions
Voice prompted turn-by-turn directions that speak street names to your destination - "Turn right on Main Street"
Speed limit indicator - unit displays speed limits for most major roads
Configurable vehicle icons - allows users to select fun, customized car-shaped icons; download additional choices from Garmin's website
"Where Am I?" feature - find the closest hospitals, police stations, gas stations, nearest address, intersection and coordinates
Trip computer records mileage, max speed, total time and more
microSD memory card expansion slot
Unit dimensions: nuvi 50: 5.5"W x 3.4"H x 0.7"D (14.0 x 8.6 x 1.8 cm); Weight: 6.3 ounces (177.2 g)
Built-in lithium-ion battery
Includes sturdy suction cup mount that allows for easy adjustment and quick release
Simplified PC connectivity, using USB mass storage, access either the microSD card slot or the unit's internal memory directly from your PC desktop
The map data is provided by NAVTEQ, a world leader in premium-quality mapping
US - Includes preloaded street maps for the United States, Puerto Rico, U.S. Virgin Islands, Cayman Islands, Bahamas, French Guiana, Guadeloupe, Martinique, Saint Barth lemy, and Jamaica.Limit of 1 per customer.
Fix an old car or buy a used one? (based on my financial situation)
Added on : Tuesday June 25th 2013 11:00:06 PM
My financial situation:+ $2400/month take home pay in Los Angeles, CA (First job out of college)
- Live with parents (pay them $700/month for rent, health & car insurance)
- $600 groceries and dining out (my GF lives with me/us... whole other topic!)
- $200 gasoline
- $30 cell phone bill
- $150 electronics/clothing/etc
=========================================
~ $720 Put into savings accountNow the car question:I drive my parent's 1997 V6 Toyota Camry and it needs $2500 in repairs. (Tires, axles, O2 sensor, CV boots, valve cover gasket)
It has 275,000 miles and gets 19 combined mpg.
It still runs but I only drive it locally (20 mile radius) for work and groceries. I don't know when it's gonna die on me.
Ideally, I'd like to be car-payment-free until I get a higher paying job but I'm not sure if that's feasible.The twist is, it's my parent's car. I can't sell it, but I'll have to maintain it if I want to drive it (seems fair).Fix it or buy another? Sorry, couldn't find any Crown Vics.Appreciate any car/finance advice. Many thanks from a 25 year old.
Google Offer Details: This coupon entitles customers to the following discount online, Barnes & Noble retail stores and Barnes & Noble College bookstores. $120 off NOOK HD+ 16GB - ($149 for Promotional Period) $120 off of NOOK HD+ 32GB - ($179 for Promotional Period)
https://www.google.com/offers/savable/mc/7LNVT5VMLUJAO-HDPLUS_EX...Get offer for free now, use by Sept 1, 2013 (but not sure what prices will be then...it's just $120 off whatever is the current price at the time).Don't forget 2% CB via FW for B&N Nook if you purchase online.
Google Offer Details: This coupon entitles customers to the following discount online, Barnes & Noble retail stores and Barnes & Noble College bookstores. $120 off NOOK HD+ 16GB - ($149 for Promotional Period) $120 off of NOOK HD+ 32GB - ($179 for Promotional Period)
https://www.google.com/offers/savable/mc/7LNVT5VMLUJAO-HDPLUS_EX...Get Offer for free now, use by Sept 1, 2013.Don't forget 2% CB via FW for B&N Nook if you purchase online.
Business and Competitive Analysis: Effective Application of New and Classic Methods [Kindle Edition] was $71.99Craig S. Fleisher (Author), Babette E. Bensoussan (Author)http://www.amazon.com/dp/B000RG1O1QPrint Paperback is $67.66.Publication Date: February 27, 2007Publisher: FT Press8 Reviews ★★★★.5The Definitive How-To Guide for Business and Competitive Analysis● Transform raw data into compelling, actionable business recommendations
● Answer the questions executives askWhat? So What? and Now What?
● Todays 24 most valuable techniques: how to choose them, how to use them
● For everyone who performs analysis: managers, consultants, functional specialists, and strategists
● A completely new book by the authors of the popular Strategic and Competitive AnalysisBusiness success begins with deep clarity about your competition and your business environment. But, even as data gathering has improved dramatically, few business professionals know the state-of-the-art techniques for analyzing their data. Now theres a comprehensive, immensely practical guide to todays best tools and techniques for answering tough questions and making actionable recommendations.
Business and Competitive Analysis begins with end-to-end guidance on the analysis process, including defining problems, avoiding analytical pitfalls, choosing tools, and communicating results. Next, the authors offer detailed guides on 24 of todays most valuable analysis models: techniques that have never been brought together in one book before.They offer in-depth, step-by-step guidance for using every techniquealong with realistic assessments of strengths, weaknesses, feasibility, and business value.

About the Author
Dr. Craig S. Fleisher is the Dean and Professor of Management in the School of Business and Public Affairs at the College of Coastal Georgia, Brunswick, Georgia, USA. A nationally recognized MBA instructor in Canada, he is a former President of the a national Public Affairs association and the international association of Strategic and Competitive Intelligence Professionals (SCIP) - in which he has also been recognized as a Meritorious Award winner - the Association's highest international honor as well as a Fellow. He holds a Docent appointment in the Dept. of Business Information Mgmt. at Tampere Univ. of Technology (Finland) and is on the graduate MSCom faculty at the Universit della Svizzera italiana (Switzerland). Professor Fleisher has performed advisory and consultancy assignments for many international groups including many leading multinational corporations, government agencies and 4th-sector organizations. A popular presenter and keynote speaker, he has given talks on topics in public affairs, competitive strategy and performance management to many groups in over 40 countries. His books, frequently translated into a variety of languages, are required reading in numerous international professional certification programs as well as leading business schools.
Amazon Coupons
Forward/Freedom/it/Amazon for a College Senior
Added on : Sunday June 23rd 2013 06:00:04 PM
Lurker here crawling out from under a rock...I'm trying to build a solid credit foundation and now looking to add one or more credit cards now that my existing paid-in-full accounts have aged for awhile. Most of my spending goes towards Amazon and restaurants, and I would like to maximize the rewards I can earn on those categories. I am an authorized user on my father's Chase card which has helped start my credit report, and I'm hoping now it can act as a foot in the door for individual Chase cards. I think the Citi Forward for college students has the best rewards, but I'm worried about redeeming the points at a decent rate (I have no loans/mortgages) and that Citi seems to be phasing out the Forward. Whichever cards I get now I plan to keep for as long as possible, while building a permanent relationship with the card's bank. What would you do in my shoes?
"Designer" iPhone CordUse Coupon Code "FRIENDSFAMILY" for 90% off
https://www.etsy.com/listing/154697540/belaycords-fabric-chargin..."Inspired by rock climbing ropes, Belay Cords are a more durable and personalized way to charge your Apple product. Belay on!" dunno if it works on all store itemshttp://www.etsy.com/shop/MadeInCollege
BelayCords iPhone Charging Cord $1.90 Etsy After Coupon YMMV
Added on : Sunday June 23rd 2013 03:00:03 PM
"Designer" iPhone CordUse Coupon Code "FRIENDSFAMILY" for 90% off
https://www.etsy.com/listing/154697540/belaycords-fabric-chargin..."Inspired by rock climbing ropes, Belay Cords are a more durable and personalized way to charge your Apple product. Belay on!" dunno if it works on all store itemshttp://www.etsy.com/shop/MadeInCollege
Best credit card for college grad?
Added on : Saturday June 22nd 2013 10:00:06 AM
Hi everyone. I am a recent college grad who will be working full time next month. I was wondering what would be the best credit card for me to get. I've had a US Bank credit card for 4 years with a $1500 limit but I'm not very satisfied with their services. I've never had a late payment. I want to try and continue to improve my credit score and take advantage of the great rewards some cards have. Thanks in advance!
Engineer to Finance Career Change: NEED ADVICE!!
Added on : Saturday June 22nd 2013 07:00:04 AM
I have been working as an engineer for 3.5 years. I have a BS and MS in structural engineering from Georgia Tech. I really don't like engineering and think that a career in finance would better suit me. I think jobs would be easier to find, and my career would be more stable in finance. My question is how do I get a job in Finance??I have heard from alot of people that I should take the plunge and get an MBA. I am heavily considering that and that may be the route I take. Getting an MBA also raises a number of questions in itself. Should I focus on getting a MBA from the best school I can get into? Should I go full-time? Should I go part-time? Should I get an MBA online?

Financing an MBA is also a major concern. I am currently still paying for student loans for grad school. I have thought maybe the best option is to move back in with my parents while getting an MBA and try to find a part-time job. If I moved back in with my parents, I would have to get a MBA from whatever college is in the same city as they are. So the selection would not be that impressive. But I could also just do an online MBA if that would even be a good idea. Ultimately, what I want is to be able to be self-employed to some extent. Would a finance MBA give me that option? Is there any concentration of an MBA program that would give me the option of being self-employed? Or atleast give me the option to moonlight? My ideal finance career would be something on the side of portfolio management, market analysis, trading/investing, and the like. I have basic programming knowledge. I have used mainly Matlab and some python. I am interested in algorithmic trading and have actually created a number of trading algorithms in which I am currently backtesting and optimizing. I have partnered with a friend of mine that is better equipped at coding (he has a M. Comp. Sci.). We are currently working on our own trading platform in which we would implement the trading algo. So, I would love to be able to work on that full-time. But its not to that point yet. In getting an MBA, I hope that would be beneficial for my side venture. In summation, I need advice on the following:
Do I definitely need to get an MBA to be able to switch from engineering to finance?
Will an MBA give me some skills that would enable me to become self-employed or be able to moonlight?
Would having an MBA be beneficial for my side venture of algorithmic trading?I'm sorry if my post seems to be rambled and jumbled thoughts. I truely need some direction, and these decisions are not easy for me to make. I am trying to make the best decision and am hoping to get some good responses.Thank you for your time.
Back to College Ultimate Laptop Bundle with Choice of Laptop, Case, Flash Drive & Printer  $288.00
Do you like the NAME of your company?
Added on : Thursday June 20th 2013 04:00:07 PM
OK, so here's the deal. I work for a Big Four company in advisory. I think we're all rational here and no one here thinks that's anything special. Salary is nothing special, the work is nothing special, the work life is nothing to brag about, and while you are surrounded by generally above average people, there's really nothing that great. Except one thing.In the IRRATIONAL real world, if you tell someone (say on a first date) you're a manager, they get all googly eyed. It's almost the same effect as if my Camry turned into a BMW 5 Series. Even if they should be smarter than that, for example, say on a first date, your date works in audit in the Big Four... You tell them you're in advisory and again they get all googly eyed even though realistically, you probably make at most 10% more than your audit counterpart. In fact, the funny thing is, if you told them you worked at McKinsey or Bain or Carslyle or Blackstone, they probably would give you a blank stare!Now the rational part... How much does this NAME also mean on your resume and what is its value to a career?The reason I ask is my sibling has an offer out of college at one of the Big Four and another offer at a manufacturing company that you'd probably never heard of without Google offering 10k more.What do you think?
How did you achieve a six figure salary?
Added on : Thursday June 20th 2013 08:00:15 AM
I've enjoyed reading the archived employment discussion thread and I'm curious how people have achieved a six figure salary. I'm in the camp that prefers to increase salary over increasing savings.

Do you run your own business or work "for the man"? Do you have multiple jobs or streams of income? What sort of education did you have to get? Is your high salary negated by being located in a high cost of living area or large student loan debt or working every waking hour? Was it just hard work climbing the corporate ladder?How old are you? Was there anything significant in your career that you feel has allowed you the ability to hit six figures? Or was it just dumb luck?
Myself, I'm in my mid 30s working as the Director of IT for a large nonprofit in Ohio. Didn't finish my college degree but worked in IT since college, working my way up from Help Desk. I'm currently attempting to finish my degree (online distance learning) and my salary is in the mid $80k range. I'm just trying to figure out how I might break into the six figure salary club and from the job postings I've seen I think at least my BS will help, but I often see MBA preferred listings. I'm not sure I'll go that route since the FWF consensus seems to be that the networking aspect of an MBA program is more important than the MBA itself and more than likely I'd lean toward an online MBA program (two kids and full time job make online more attractive). Anyone care to weigh in with their thoughts and opinions?
http://www.homedepot.com/p/Magic-Chef-3-5-cu-ft-Mini-Refrigerato...might be possible to add $2 in filler and use the $10 off $100 coupon floating around, search hot deals for it.
Home Depot Coupons
Additional 50% Off American Eagle Clearance!
Added on : Wednesday June 19th 2013 06:00:11 AM
http://www.ae.com/web/browse/hp_clearance.jsp?catId=clearance&na...2 Day Shipping is Free with a Shoprunner Account.
ADDITIONAL 50% OFF AE CLEARANCE
Beginning May 30, 2013 at 6:00 A.M EDT for a limited time get an additional 50% off AE clearance items in AE stores and at ae.com. This 50% off offer cannot be combined with other discount offers. Discount applies to merchandise at ae.com and AE US and Canada stores. Discount applies to merchandise costs only, not tax and shipping & handling costs. Only valid in US and Canada stores. This discount is not redeemable for cash, nor applicable toward previously purchased merchandise. Excludes Aerie merchandise, AEO Factory merchandise and merchandise from these brands: Adidas, Bass, BC, Bed Stu, Birkenstock, Chronicle, Clarks, Creative Rec, DV, Eastland, GOLA, Havaianas, Keds
, Me Too, MIA, Minnetonka, New Balance, New Balance/PF Flyers, Old Soles, Palladium, Pro Keds
, Reebok, Saucony, Seychelles, Sperry, Steve Madden, Sweet Shoes, Tailgate, Timberland, Tretorn, Volley and college and pro merchandise. Discount promotion and associated terms and conditions subject to change at AE's sole discretion.
2013 AEO MANAGEMENT CO. ALL RIGHTS RESERVED.
profile:Late 20's
BA from University 4 year college in Business Economics
Working as wealth management at a bank.Does having an accounting certificate help land a job in accounting? Im not talking about the big four or anything like that but if I decided for a career change, I always wondered if those accounting degrees that some universities offer do anything.Usually the UC extension schools here in CA have an accounting certificate that seems pretty cheap.
THis is good for someone who doesnt want to completely go the MBA route.
What Banks offer no ATM Fees?
Added on : Sunday June 16th 2013 05:00:04 AM
Don't post much and didn't see this when I searched so please be kind...My daughter is headed off to college out of state (Philadelphia) and I noticed that there were TD Bank ATMs on campus. I haven't heard too many good thinks about TD Bank lately so I am a little leery of them. Does anyone know what banks offer a no ATM fee or ATM rebates for foreign ATMs?
Would I qualify for a mortgage if I am under 2 years at my job?
Added on : Thursday June 13th 2013 05:00:09 PM
26, second job out of college. I was making roughly $40,000 ever since April 2011. Switched jobs to align with long term career goals in Feb 2012. Been there since and I was recently promoted.
- $53,000 current salary (recently promoted)
- 680 credit score
- $19,000 student loans ($240 a month)
- Credit score was 680 last time I checked
- 2008 model car paid off (90,000 miles)
- Looking to buy in the $130,000 rangePaid off the car. Paid off $3000 or so of credit card debt I carried throughout college. I am putting 10.5% of salary into my 401k including employer match. Been saving up and I am getting close to the point where I am ready to buy. Feel like I am in a good financial situation to pull the trigger.
My question is, do I need to worry about qualifying for a mortgage? I have heard something about needing to be in my job for 2 years before being able to get one?
Kids getting $100k gift
Added on : Wednesday June 12th 2013 05:00:10 AM
Great grandparents have advised that within 30 days they will be gifting at least $50k each to my 2 children and it maybe up to $100k per kid. They would like the git to be used towards their college education but have left it up to my wife and I how to set up the account or trust, how to manage the investment and the distribution. They are not concerned with restricting it in any formal way but have just reiterated they want it used for our kids benefit and preferably to pay for college. They have made it clear they want to gift it and not leave it in their will.My wife and I are true fat wallet mentality people. We both hold down good jobs, have no debt, very reasonable housing payments, substantial savings, max out roth and 401k, etc. Therefore, we both discussed it and can not envision a time where we would need or want to touch this money. We had fully planned on paying for our kids college prior to this. My thought was to invest it using a Vanguard with a moderate risk portfolio of mutual funds. I understand there are likely tax implication and I am happy to hear about that but my main questions concern the best means to set up an account to receive the gift. 1) Should I have 1 account for each child or an account for both
2) Is there a way I should think about structuring it
3) Is there a way to not have to report it on FAFSA (oldest is still 10+ years away from college)
4) Are there other things I should be considering?Any other advice or things to consider would be greatly appreciated.
Game of Thrones Life Size Replica only $25,200.00 after FW cashback!
Added on : Thursday June 06th 2013 02:00:03 PM
Didn't see this posted, sorry if I missed it.hbo store is offering a life size replica of the Iron Throne as seen in "Game of Thrones" for $30,000.00 and $1800 shipping.Use 20% off coupon code HBOCOLLEGE to shave $6,000 off, making the price only $24,000. Don't forget the 2.5% FW Cash Back,which should be about $600.00The final price should be $25,200 + sales tax.HBO StoreDimensions: Height: 7'2", Depth: 5'11", Width: 5'5"
Made Of: Hand finished, hand painted fiberglass throne. Fire rated resin.
Weight: 350 poundsThe Game of Thrones Iron Throne is unlike anything you've ever seen before. This custom chair is designed to mimic the seat of kings in the Seven Kingdoms. On the show, the Iron Throne was constructed by Aegon I Targaryen, the first king of the Seven Kingdoms. He made it from the swords surrendered by his enemies. Legend has it, it's made of a thousand swords that took 59 days to hammer out into a throne. Spikes and jagged edges in every direction make this one very intimidating lounge. Our version is constructed of hand-finished, hand-painted fiberglass and fire-proof resin that's been twisted and turned to re-create the Game of Thrones design. Now's your chance to own this very special custom-made piece of furniture that, by all appearances, is more closely related to art. Extra large in size, it measures over 7' in height, close to 6' in depth and 5.5' in width. Calling it "impressive" is an understatement.ADDITIONAL DETAILS:Surcharge includes ground shipping, insurance and white glove service delivery to your home. The Game of Thrones, "Throne" is custom produced and will be available for shipping within 6-8 weeks of your order being processed and upon a successful authorization of funds. The hbo store will hold your order for up to 48 hours, after this period the order will begin processing. Unfortunately, NO cancellation requests will be accepted after this period and sales are FINAL as this is a custom piece. The item weighs 350 lbs and is delivered in a wooden crate (dimensions of the crate are 74L x 65W x 93H). HBO Shop Customer Service Agents will contact you upon confirmation of your order to arrange a time and place of delivery. For any question or concerns please contact hboshop@custhelp.com or call us at 1-866-316-4814.
HBO Store Coupons
Life insurance help
Added on : Wednesday June 05th 2013 10:00:06 AM
Looking to get term life insurance for myself and mrs. Both of us are 34 years old, non smokers, good health etc preferred plus? rating. Have one kid 2 years of age, might have another.First regarding insurance need. Both of us work and have high income within 5% of each other (varies based on RSUs/bonus but fairly similar) . So decided that we need to have life insurance for the same amount for both of us. Current net worth is roughly 25% in home equity, 25% taxable brokerage/bank accounts, 50% in pre tax (401k, IRA) . How do I account for the pretax accounts in calculating the insurance need? If one of us were to die to tomorrow, with one person working (scaling back the number of hours) I estimate the need to be about 1.2 million using bankrate.com calculator. Also my simple calculation seems to agree. 1.2 mill will cover for kid's expenses including college with sufficient cushion, mortgage debt, property taxes for 20 years. I have assumed that the other person will work and save for retirement independently (doable since the house will be fully paid for + already have some assets). Also I am thinking 20 years should be enough although we can easily afford premium for 30 years. Only consideration is that if we have another kid later down the line.
Looked at term4sale and contacted couple of agents from there.Since we have some group coverage through our employers decided to get a quote for 1 million coverage. One agent gave me a quote with banner life for 20 years, premium is 40.xx for me and 38.xx for my wife and 30 years is 71.xx for me and 61.xx for my wife. These are monthly premiums. Do these look reasonable? Should I get more quotes? I have already delayed this and want to do it asap.Thanks in advance,
fiacardservices (former MNBA) --- cards still on site?
Added on : Wednesday May 29th 2013 10:00:06 PM
just wondering what cards are still serviced by this websitemy old fidelity 2% college savings mastercard still sits there (of course billpay is gone)this is more of a trivia question --- but is anything else still served by the site?
Initial Job Candidate Questionnaire - How Serious is this Company?
Added on : Wednesday May 29th 2013 03:00:07 PM
So I emailed my resume to a company of a colleague of mine on a project that we have been working out of state. I am the project manager on a project that is installing systems at his site. He is providing a referral for me. His company is a small engineering company of under 500 people and the benefits are amazing to include a two-part retirement package that will account for a total of up to 50% additional compensation above base salary. In addition to the retirement package they offer an extremely generous tuition reimbursement program and great medical. They are a company where 93% of their new hires come from referrals of current employees and they have an industry leading retention rate. I got an email from their recruiter asking me to fill out a preliminary questionnaire and then they will set up a time to call to discuss their opportunities, their company and my skill set. Below are some of the questions:Skills Summary: Years of experience and your skill set.

Looking: What type of position are you looking for?

Current Situation: Where are you currently working? Why are you looking to make a move?

Availability to Start: When are looking to make a move? What is your timeframe? Will you need a two week notice?

Travel: How much travel are you interested in? What is your percentage? Do you want more of less travel? Any restrictions on travel locations?

Commute Restrictions: Radius of commute? Any special commute restrictions?

Relocate: Are you willing to relocate? If so, where?

Clearance: type, sponsoring agency, last investigation/review.

Education: highest level of education and training.

Interviewing: Are you currently interviewing with other companies? If so, who?

Outstanding Offers/Submissions: Are you actively searching for a position? Have you started to receive any firm or contingent offers? With whom? How much?

Compensation: What is your current base salary, what was the bonus actually earned last year (what was total W2), when was your last review, what is your expected salary?

Candidate's "Hot Buttons"/Decision Criteria: What is the most important to you? What are the top 2-4 things that you are truly looking for?
When I emailed my resume to the company I was just hoping to get my name out there and have my resume in their files in case anything happened with my current contacting job. This communication seems a bit more serious than that, but I want to make sure I am not reading into it too far. I am a young 30s engineering professional leading a small group working in government contacting. I have eight years of experience in a variety of things. Other than out of college I have never looked for a job before so I am a bit naive to the process. Any help would be great.Im looking for both thoughts and suggestions for how to answer the questions above. If it is a fairly serious step in the process then I will need to talk to my wife and discuss the possibilities of relocation before I go much further. As always thanks for your time. Oh yeah, I posted here because the retirements benefit package alone have huge impacts on our financial future.
Health insurance after graduation
Added on : Tuesday May 28th 2013 08:00:14 PM
Hey guys, I am a new college graduate, and I need health insurance for the next year as I look for a job. I am totally lost, and don't know where to start. Can someone point me in the right direction? Where can I start my search?
Leaving the US for College
Added on : Tuesday May 28th 2013 09:00:07 AM
After my last thread and now this one, you guys might start to think I hate the US! In reality I just think were doing a few things wrong, and a big one is college.My nephew is looking at going to college at a state school in Michigan in communications. I just got a call from my brother (way to late which will limit his options), about paying for his college which will start in the fall. The state school is $11,220 per year for tuition, and $8544 per year for room and board (required for first year students).Working on suggestions, and am going to suggest the community college route for the first two years instead (or community college in the spring and summer so he can finish in three years). Any others that you might suggest?I started looking around and it seems like a degree from a university in Ireland, the UK, Australia or New Zealand might be less expensive, and a way better value.Has anyone here sent there kids overseas for a degree (not just a semester abroad).What pitfalls were there?How did it work out?
$199.99 Virgin & Boost Galaxy S II with $10 Coupon at Radioshack
Added on : Saturday May 25th 2013 08:00:02 PM
RadioShack has both the Virgin Mobile and Boost Mobile Galaxy S II phones for $199.99 right now. They also give out a $10 coupon for a future purchase three days into the future. Oh and finally if you happen to qualify stores give out a 10% military active/retired discount or a 10% college educator/student discount. This discount is available with valid identification. Happy hunting FatWalleters!
Create-a-Monster of Yourself from Disney's Monsters University
Added on : Friday May 24th 2013 09:00:11 AM
It is Friday of a long holiday weekend, so let's have some fun.Disney's Monsters University has created a fun page to create-a-monster of yourself.Dare to scare us with what you really looked like in college?
Got the job in January 2012. Second job out of college. I was at the first for less then a year before landing my current role. I got hired in one interview and everything went pretty quickly. I accepted the first offer they made to me ($38,000). The company has across the board performance reviews in August. I got a $1500 bump at that time (August 2012). I also have gotten like $2000 or so in bonuses sporadically in the time I was working there (including $1000 in February) Everything is going very smoothly and I recently learned that they want to promote me. My superiors have talked with HR and the ball is now rolling on that. They are interviewing for a replacement and are going to switch me over to "training" mode and go very light on the workload at first. work with other people doing the job, etc, etc
So the question is, what would be reasonable to ask for when it becomes time to discuss compensation? The average for someone in the role is in the $60,000s. I should also point out that there is minimal growth opportunities after this promotion takes place. I am likely to be in the role for 5+ years
Royal Shave is having a Father's Day sale [[L=http://www.royalshave.com/c/special-deals.html]]http://www.royalshave.com/c/special-deals.html][/L] starting today.Among the deals is Taylor of Old Bond Street luxury shaving cream bowls for $12.95 each. Available scents include Almond, Lavender, Rose, Lemon & Lime, Avocade, Sandalwood, Mr Taylor, Eaton College, St James, and Coconut.Two bowls (or $25) nets free shipping.
Need Input: Deciding between job offers
Added on : Wednesday May 22nd 2013 03:00:11 AM
I have mulled over this for the past week and would appreciate any additional insight. I even made a decision matrix and it appears both rank equally. I am fresh out of college but cannot tell which one is a better deal for me.Job Offer 1:
+ Operations at a small/medium investment bank. Goal is to move into business/research side over-time. I have interest in current events.
+ Work will be operational (finding pricing mistakes, researching prices on securities, improving processes). I will learn more VBA in this position.
+ 46k (guaranteed 46-50 hours per week).
+ Education paid (after one-year).
+ Employee paid healthcare.
+ 401(k) - 50% match (4 years vesting period).
+ Culture: Bit strict (pant, shirts, maybe tie).Job Offer 2:
+ Real estate purchase and leaseback at a small firm. It's bit like venture capital/private equity where they buy, operate, lease the real estate properties.
+ I will be analyzing properties, risks, financial statements. Sounds interesting.
+ 55k (plus 10-20% bonus). (At max 40-45 hours per week).
+ Employer paid healthcare.
+ 401(k) - 4% match dollar to dollar.
+ Culture: No dress code. I've seen employees in jeans and t-shirts. Which one would you pick? Should I always take the job that pays more? Am I risking too much by hoping I will overtime have the opportunity to work on the investment side? What else would you consider overall?
I am a college student, but have managed to save up several thousand dollars. I want to set aside about two thousand so that it can grow and add money to it whenever I can. This isn't my emergency fund, and I am willing to be exposed to some risk. After doing some reading, I think that an ETF or Mutual fund would my best bet. I dont have enough money or interest to invest in stocks, and I think (correct me if I am wrong) I can expose myself to more risk then CD's, and bonds.I started looking at mutual funds, and it was difficult to find one that out preformed the S&P 500. Since Mutual funds charge anywhere between 0.5 to 2 percent a year to be managed, that takes a chunk out of my money. The only benefit I can see of having a mutual fund is that since its managed, it could prevent me from losing less if something goes wrong. However, I'm not even sure about that. Learning that only 11 percent of Mututal funds outpreformed the S&P 500, I decided to look at an ETF that tracks it. If I buy SPY, which just tracks the SP 500, it will preform better then mutual funds, pay dividends, and charge less for management.Is this good reasoning? I realize that the S&P 500 is at all time high, but Goldman Sachs predicted it would continue to grow to steadily grow till 2015. My other reasoning was that even if it took a dip, its bound to go up again in the long term (3-5) years. Also, I signed up for E*Trade after reading some good reviews of it. I couldn't find anything that was wrong with it, anything I should be looking out for?
Enterprise Analytics: Optimize Performance, Process, and Decisions Through Big Data (FT Press Operations Management) [Kindle Edition] - was $49.99Thomas H. Davenport (Author), International Institute for Analytics (Author) http://www.amazon.com/dp/B0099RN76OPublication Date: September 13, 20127 Reviews ★★★.5#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > MISThe Definitive Guide to Enterprise-Level Analytics Strategy, Technology, Implementation, and Management
Organizations are capturing exponentially larger amounts of data than ever, and now they have to figure out what to do with it. Using analytics, you can harness this data, discover hidden patterns, and use this knowledge to act meaningfully for competitive advantage. Suddenly, you can go beyond understanding how, when, and where events have occurred, to understand why and use this knowledge to reshape the future. Now, analytics pioneer Tom Davenport and the world-renowned experts at the International Institute for Analytics (IIA) have brought together the latest techniques, best practices, and research on analytics in a single primer for maximizing the value of enterprise data. Enterprise Analytics is todays definitive guide to analytics strategy, planning, organization, implementation, and usage. It covers everything from building better analytics organizations to gathering data; implementing predictive analytics to linking analysis with organizational performance. The authors offer specific insights for optimizing supply chains, online services, marketing, fraud detection, and many other business functions. They support their powerful techniques with many real-world examples, including chapter-length case studies from healthcare, retail, and financial services. Enterprise Analytics will be an invaluable resource for every business and technical professional who wants to make better data-driven decisions: operations, supply chain, and product managers; product, financial, and marketing analysts; CIOs and other