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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.
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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.



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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.
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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.
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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.
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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
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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.
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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
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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
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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.
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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.

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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?
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g: 0 Posted By: DaysFan
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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.

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All key study skills are covered including essay writing, revision and exams, tutorials, and dissertations
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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?
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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!
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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.

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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.
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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
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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.


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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]
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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)



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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:

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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.
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g: 1 Posted By: MrsGuin
Views: 244 Replies: 0 http://www.fanatics.com
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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.
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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.
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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
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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.)
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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
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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.)
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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.



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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.



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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
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...
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g: 0 Posted By: DaysFan
Views: 153 Replies: 0 linked


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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!



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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
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Added on : Sunday October 27th 2013 05:00:09 AM
g: 0 Posted By: DaysFan
Views: 70 Replies: 0 http://www.cvs.com/

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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!

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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
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$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
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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.
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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!
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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!
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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

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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?
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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!
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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:
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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)
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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

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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?
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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


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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

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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
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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.)
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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?
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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
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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...


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There is one a few dollars cheaper, but I can't find out about the shipping, unless I order it, but the link is:


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Price: $53.89

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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.

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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.
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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.

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Scroll down to "customers who also bought this item"
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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?

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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
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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
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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
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g: 56 Posted By: remick
Views: 5091 Replies: 14 Newly free as of today - may not be tomorrow.


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Views: 2961 Replies: 6 Newly free as of today - may not be tomorrow.


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Added on : Saturday September 07th 2013 01:00:04 PM
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Views: 1082 Replies: 0 Newly free as of today - may not be tomorrow.


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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


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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.
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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..
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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!


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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.










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Staples Ad 9/8 - 9/14 : 25, 50, $1, $1.50 school deals ; paper deals
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g: 2 Posted By: usernamemax20charact
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Views: 322 Replies: 0 http://http://www.walmart.com/ip/Tide-Back-To-College-Laundry-Value-Bundle-with-BONUS-Bounce-Dryer-Sheets/26935108

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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.)
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Tailgaters Special: NCAA Plush Blankets for $32.99 + $4.99 shipping
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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!
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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
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g: 0 Posted By: beasport
Views: 134 Replies: 1 NEW Maxim Magazine (2yr sub)
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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

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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


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saples tiger paper clips 1" 100 pack = 25, limit 2
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hammermill 8.5 x 11 copy paper = $6.99 - $3 ER = $3, limit 4 ER's
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roseart colored pencils 12 pack = $1, limit 2
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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
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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
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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
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Staples Coupons
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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


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g: 0 Posted By: remick
Views: 262 Replies: 0 http://www.amazon.com/English-Prodigy-Spelling-Bootcamp-ebook/dp/B00EORJ6BO
Books Deals

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Classroom teachersin middle school, high school, university and adult continuing education.
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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.
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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)

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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.



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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)
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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.
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- 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?
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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?
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g: 0 Posted By: FatWallette
Views: 0 Replies: 0


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Victoria's Secret PINK 15% off
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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
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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
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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
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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.)
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g: 0 Posted By: Virgil27
Views: 0 Replies: 0 Ultimate Laptop with Choice of Laptop, Case, Flash Drive and Printer @ Walmart - From $327.00
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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 IT leaders; data, web, and data warehouse specialists, and many others.About the Author
THOMAS H. DAVENPORT, (Cambridge, MA) co-founder and Director of Research of the International Institute for Analytics, a world renowned thought leader and executive advisor on analytics. His book, Analytics at Work: Smarter Decisions, Better Results, was named a must-read for 2010 by CIO Insight. Davenport holds a Ph.D. from Harvard University, taught at Harvard Business School, and led research centers at McKinsey and CSC. He is President's Distinguished Professor of Information Technology and Management at Babson College; senior advisor, Deloitte Analytics, Deloitte Touche Tohmatsu; and member, Board of Sponsors, MIT Center for Information Systems.
Amazon Coupons
Playtex Diaper Genie Refills- 3 boxes (9 refills) for the price of 2 boxes for $39.98 + free shippinghttp://www.diapers.com/p/playtex-diaper-genie-refill-3-pk-25172The price quoted above ($40 bucks) is for 3 boxes of refills for diaper genies (9 total refills). Because it is over $35, you get free two-day shipping. Use code LOVE1FREE. Which, incidentally, was also my mantra in college.But, please note that all Diaper Genie items (including on-the-go packs) are buy 2, get 1 free, except individual refills. So, you could buy one pail and two sets of wipes, or three two-packs of 3 refills (18 refills). You could buy 3 pails for all I care. Go nuts! Get creative. We don't judge.They repost this deal periodically, so if you miss it this time, it will probably come around again in three months or so. I posted this deal because I so rarely see diaper genie deals on other sites. Plus, my black triangle recently went back down to purple.
As always, free two-day shipping when you spend $35 across all their sites (e.g., Soap.com, Wag.com). Award winning, spare-no-expense customer service. They accept UPromise.
Diapers.com Coupons
Help me assess my financial health! (Straight out of college)
Added on : Friday May 17th 2013 03:00:10 PM
I just graduated this week from UC Berkeley (undergrad) and will be working in San Francisco. I'm just wondering if you guys see any financial gaps or things I should be doing moving forward to maximize my earnings and spending.I have around a 800 FICO score with ~70k in total available credit among several cards, but I mainly rotate between CSP, Citi Forward, and AMEX Blue Everyday. I never pay interest charges. Would it make more sense to consolidate my spending onto one card like the CSP for rewards? I eat out a lot, travel, etc.I've contributed the max to my Roth since age 18. It's currently at Vanguard in a retirement index fund. I plan to contribute to my job's 401(k) up to matching limits at least. I have enough savings for about a year. No student debt.I'll be renting for the next year. Is real estate a good investment in the Bay Area over the next few years? I wouldn't want to get caught in another housing downturn. Out of curiosity, I got a mortgage preapproval for $550k at this moment in time, but that certainly doesn't get you a whole lot in SF.I've lurked around here for a long time and taken a lot of advice from the members here so thanks for that! I'm just wondering if I'm missing anything big here.
Orlando Water Parks - Wet 'n Wild
Added on : Tuesday May 14th 2013 12:00:02 AM
Free All Year - Buy a Day, Get the Rest of the Year Free.
http://www.wetnwildorlando.com/tickets_floridaadm.php
Enjoy unlimited visits to Wet n Wild from date of activation through December 31, 2013
with the purchase of a regular daily admission.
This pass is only valid for the year it was purchased. Adult or Child Admission
Proof of Florida residency required.
Available at the park. Out of State Visitor
Orlando FlexTicket - Unlimited admission to five or six parks for up to 14 consecutive daysOrlando FlexTicket
Unlimited admission to the five parks below for up to 14 consecutive days
Wet n Wild Universal Studios Florida Islands of Adventure SeaWorld SeaWorlds Aquatica Orlando FlexTicketPlus
Unlimited admission to the six parks below for up to 14 consecutive days Wet n Wild Universal Studios Florida Islands of Adventure SeaWorld SeaWorlds Aquatica Busch Gardens Tampa Bay
REGULAR PRICE
FlexTicket Plus (6 park) Adult $344.95 + tax
FlexTicket Plus (6 park) Child $324.95 + tax
FlexTicket (5 park) Adult $304.95 + tax
FlexTicket (5 park) Child $284.95 + tax BUY ONLINEAdditional Details Please allow up to 7 business days for tickets to be delivered if purchasing online. Access is valid for the entire length of your stay, up to 14 consecutive days from the first day of use. You may visit the parks as many times as you want during this time. Six-park, Orlando FlexTicketPlus includes unlimited, free bus transportation to Busch Gardens Tampa Bay on the Busch Gardens Shuttle Express, which has scheduled departures from SeaWorld Orlando and various locations in the Orlando area. Your Orlando Flexticket also includes free access to select live entertainment venues at Universal Orlando Resorts CityWalk entertainment complex (must be 21 or older for some venues). A Parking Fee is required only once each day, regardless of the number of parks visited. (Youll need to show your parking receipt from the first park visited that day.)
3-Park Tickets - Save on your Wet n Wild visit when you add admission to Universal and Islands of Adventure
Save $20 off the gate price on all multi-day tickets!Base Ticket
The Base Ticket is valid for one Guest Admission to Wet n Wild and to EITHER Universal Studios Florida OR Islands of Adventure for (3 or 4 days). You choose which days to use your tickets during a two-week period (14 consecutive days), beginning the first day of use. Adult Child (3-9)
4-Day Base, plus Wet n Wild $178.49 +tax $165.49 +tax
3-Day Base, plus Wet n Wild $168.49 +tax $156.49 +tax

Park-to-Park Ticket
The Park-to-Park Ticket is valid for admission to Wet n Wild and to BOTH Universal Studios Florida AND Islands of Adventure for (3 or 4 days). Plus, paid admission to the entertainment venues of Universal CityWalk during the same length of stay. You choose which days to use your tickets during a the two-week period (14 consecutive days), beginning with the first day of use. Adult Child (3-9)
4-Day Park to Park, plus Wet n Wild $192.49 +tax $179.49 +tax
3-Day Park to Park, plus Wet n Wild $185.49 +tax $173.49 +tax
BEST DEAL: Length-of-Stay Pass - Save $10 when purchased in advance. Unlimited visits for 14 consecutive days Save $10 off the gate when your purchase your tickets in advance.
Enjoy unlimited visits to Wet n Wild during your stay for up to 14 consecutive days.
REGULAR PRICE ADVANCE PURCHASE
Adult or Child Admission $55 + tax $45 + tax
Children (under 3 years) Free Free
*Ticket valid for 14 consecutive days beginning with the first day of use. Discount only available for advance purchase.
Not valid during special events, after-hours events, or private parties. Discounted ticket must be purchased and redeemed by 12/31/13.
Single Day General Admission - Save up to $10 when you purchase in advance. REGULAR PRICE ADVANCE PURCHASE
Adult Admission $55 + tax $45 + tax
Child Admission (Ages 3-9) $50 + tax $40 + tax
Children (under 3 years) Free Free
*Discount only available for advance purchase. Not valid during special events, after-hours events, or private parties. Discounted ticket must be redeemed by 12/31/13.
Afternoon Tickets - Half-Price off Adult and Child General Admission when you visit Wet n Wild in the afternoon Get Half-Price off General Admission when you visit Wet n Wild in the afternoon! Adult Admission $27.50 + tax
Child Admission (Ages 3-9) $25.00 + tax
Children (under 3 years) Free
Pending available capacity. Available only at Front Gate Ticket Booths.
Date Half Price Admission
3/23/13 - 4/6/13 after 3 p.m.
4/7/13 - 4/26/13 after 2 p.m.
4/27/13 - Waves of Glory after 3 p.m.
4/28/13 - 5/24/13 after 2 p.m.
5/25/13 - 6/6/13 after 3 p.m.
6/7/13 after 4 p.m.
6/8/13 - Early Close after 3 p.m.
6/9/13 - 6/27/13 after 4 p.m.
6/28/13 - 8/17/13 after 5 p.m.
8/18/13 - 9/2/13 after 3 p.m.
9/3/13 - 12/31/13 after 2 p.m. Restrictions apply. Not valid with any other discounts or pricing.
Florida Resident
Unlimited Annual Pass - Online SpecialUnlimited visits to Wet n Wild all year long, includes weekends$3 off regular admissions for accompanying guests 50% off rental items (except Cabana rentals) 10% off Breakers Beach Shop purchases (except sale and sundry items) Cost is less than two Adult General Admission ticketsValid for one year from the date of first useIncludes Free Parking
REGULAR PRICE ADVANCE PURCHASE
Unlimited Annual Pass
Adult or Child $92 + tax $82 + tax
Not valid during special events, after-hours events, or private parties. Cannot be combined with any other discount, offer or promotion. Weekday Annual Pass - Unlimited visits Monday through FridayEnjoy unlimited admission to Wet n Wild Monday Friday, all year long (excludes weekends).
Valid for one year from the date of first use.

Weekday Annual Pass
Adult or Child $58 + tax
Not valid during special events, after-hours events, or private parties.
BEST DEAL: Buy a Day, Get the Rest of the Year Free - Unlimited visits for the remainder of 2013Buy a Day, Get the Rest of the Year Free.
Enjoy unlimited visits to Wet n Wild from date of activation through December 31, 2013
with the purchase of a regular daily admission.
This pass is only valid for the year it was purchased.Adult or Child Admission $55 + tax
Proof of Florida residency required. Not valid during special events, after-hours events, or private parties. Florida Resident Admission - Florida Residents save up to $20 on single day admissionAdult or Child AdmissionProof of Florida residency required.Offer is valid on the purchase of a regular daily admission only. Tickets must be used by 12/31/2013.
Limit 6 tickets per ID.
$35.00 + tax
Not valid during special events, after-hours events, or private parties. Afternoon Tickets - Half-Price off Adult and Child General Admission when you visit Wet n Wild in the afternoon Get Half-Price off General Admission when you visit Wet n Wild in the afternoon! Adult Admission $27.50 + tax
Child Admission (Ages 3-9) $25.00 + tax
Children (under 3 years) Free
Pending available capacity. Available only at Front Gate Ticket Booths.   Date Half Price Admission
3/23/13 - 4/6/13 after 3 p.m.
4/7/13 - 4/26/13 after 2 p.m.
4/27/13 - Waves of Glory after 3 p.m.
4/28/13 - 5/24/13 after 2 p.m.
5/25/13 - 6/6/13 after 3 p.m.
6/7/13 after 4 p.m.
6/8/13 - Early Close after 3 p.m.
6/9/13 - 6/27/13 after 4 p.m.
6/28/13 - 8/17/13 after 5 p.m.
8/18/13 - 9/2/13 after 3 p.m.
9/3/13 - 12/31/13 after 2 p.m. Restrictions apply. Not valid with any other discounts or pricing. 3-Night Florida Resident Hotel & Ticket Package start from only $95* per adult, per night, tax inclusive! Experience it all with:
3-night hotel accommodations at a Universal Partner Hotel 2-Day Base Ticket to Universal Studios Florida and Universals Islands of Adventure Plus Wet 'n WildAccess to live entertainment^ at Universal City Walk Early Park Admission to experience The Wizarding World of Harry Potter and
The Amazing Adventures of Spider-Man  Universal Studios FloridaWhy just go to the movies when you can become a part of them! Step through the massive arches of Universal Studios Florida, and take a starring role in some of the biggest movies and TV shows ever created. At the worlds premier movie and TV based theme park, youll find an amazing array of rides, shows, movie sets and attractions. And while every stunt, scream and scare are delivered with Hollywood flair, theyre all just backdrops for the memories youll make.
Universal elements and all related indicia TM & 2012 Universal Studios. 2012 Universal Orlando. All rights reserved.Universals Islands of AdventureHeroes of legend. Stories that transcend generations. Creatures from the past and from your wildest imaginations. Epic adventures and unforgettable journeys. This is Universals Islands of Adventure, your own personal playground. Experience cutting edge rides, shows and interactive attractions that challenge all your senses. Because in these lands, the worlds biggest stories come to life and theres no telling what might happen next.
Universal elements and all related indicia TM & 2012 Universal Studios. 2012 Universal Orlando. All rights reserved.
Universal CityWalkA vacation cant just be all fun and games, can it? Oh, it can? And you want more fun and games? OK! How about Universal CityWalk, an entire entertainment complex where you can dine, dance and play the night away! Just outside both Universal Orlando theme parks is the best in restaurants, nightclubs, shopping, movies and more. Grab a quick bite or a coffee in the morning, shop and dine at your leisure throughout the day, and party the night away until 2 am.
Universal elements and all related indicia TM & 2012 Universal Studios. 2012 Universal Orlando. All rights reserved.Vacation Package Details
2011 BMP. 2011 Wet n Wild. All rights reserved. Hard Rock Hotel Hard Rock Cafe International (USA), Inc. Universal
elements and all related indicia TM & 2011 Universal Studios. 2011 Universal Orlando. All rights reserved. HARRY POTTER, characters, names and related indicia are trademarks of and Warner Bros. Entertainment Inc. Harry Potter Publishing Rights JKR.(s12)All prices, package inclusions & options subject to availability and to change without notice and additional restrictions may apply. Errors will be corrected where discovered, and Universal Orlando and Universal Parks & Resorts Vacations reserve the right to revoke any stated offer and to correct any errors, inaccuracies or omissions, whether such error is on this website or any print or other advertisement relating to these products and services.* Rate is tax inclusive, per adult, per night and based on double adult occupancy for a three night stay at the International Palms Resort Orlando, standard room. Subject to availability, room type, hotel, and travel dates selected. Rate valid for bookings now 8/31/12 and travel now 12/20/12. Reservation must be made 72 hours in advance. Additional hotels and rates available. The 2-Day Base Ticket entitles one (1) guest admission to EITHER Universal Studios Florida OR Islands of Adventure per day. Ticket is valid for any two (2) calendar days during a fourteen (14) consecutive calendar day period which includes the first day any portion of the ticket is used. This ticket also includes fourteen (14) consecutive calendar days of admission to the paid entertainment venues of Universal CityWalk which commences and includes the first day any portion of the ticket is used. The Wet 'n Wild option entitles one (1) guest admission to Wet 'n Wild for the duration of the Universal Orlando portion of the ticket.^ CityWalk Party PassSM valid for fourteen (14) consecutive nights including first day any portion of ticket is used. Not valid for separately ticketed concerts and special events. Some venues require ages 21 or older for admission. Valid photo ID required. Does not include admission to AMC Universal Cineplex 20 with IMAX or the Blue Man Group show. Subject to availability. Requires theme park admission. Early Park Admission begins one (1) hour prior to Universal's Islands of Adventure regular scheduled park opening for Universal Parks & Resorts Vacations guests who purchase a vacation package including hotel and theme park tickets. Current offer valid 7 days a week for travel 7/1-12/31/12 only at Harry Potter and the Forbidden Journey, Flight of the Hippogriff, Dragon Challenge and Caro-Seuss-el; during 3/19/12-6/30/12 valid only at Harry Potter and the Forbidden Journey, Flight of the Hippogriff, Dragon Challenge and The Amazing Adventures of Spider-Man.^^ Transportation schedule and availability subject to change without notice. Excludes Marriott Grande Vista, Holiday Inn Club Vacations Orange Lake Resort and Sheraton Vistana Villages.~ Excludes locations in The Wizarding World of Harry Potter.**Rate is tax inclusive, per adult, per night and based on double adult occupancy for a three night stay at the Royal Pacific Resort, water view room. Subject to availability, room type, hotel, and travel dates selected. Rate valid for bookings now 8/31/12 and travel now 10/4/12. Reservation must be 72 hours in advance. Additional on-sites hotels and rates available.◊ Not valid at Harry Potter and the Forbidden Journey and other select attractions. On-site hotel privileges good for hotel stay as indicated on the room key card and Universal Express Unlimited Pass. Only valid for the number of guests staying in the room. Paid theme park admission required. Ride access available during normal theme park operating hours only. Not valid for separately ticketed special events. Additional restrictions may apply and benefits are subject to change without notice.◊◊ Based on seasonal peak pricing for the Universal Express Unlimited Express pass.
Universal Parks & Resorts Vacations is registered with the State of Florida as a seller of travel. Registration number ST-24215.
 
Wet n Wild Express Pass (Available Seasonally)
Available on some of your favorite attractions. Choose from two types of passes that will help you reach the front of the ride lines more quickly. Visit the park for more details, pricing and to make your purchase.ExpressPass: Valid for one-time use per ride.
Unlimited ExpressPass: Allows unlimited use of your favorite rides at your convenience. This is a Seasonal Offer and is only available at the park.Express Pass price does not include park admission; park admission sold separately. Price varies seasonally (see park for details). Express Pass is only available for use for select rides. Limited daily quantity and additional fee required. Purchase at the park only.
EXPRESS PASS RIDES & MAP
Cabana RentalsRelax in and enjoy a cabana set in a lush, tropical oasis on an island surrounded by the Lazy River. Price includes four guests; up to two additional guests for $20 each (six guests per cabana.)YOUR CABANA EXPERIENCE WILL INCLUDE:
Refrigerator with , three complimentary bottles of water per guest
Towels
A lockbox
Table, chairs and loungers
20% off merchandise at the Breakers Beach Shop
Cabana price does not include park admission; park admission sold separately. Price varies seasonally. Purchase online or at the park. Click on Reserve Online below, for availability, pricing and to reserve your cabana today.
CABANA AVAILABILITY VARIES SEASONALLY.
CHECK FOR AVAILABLE DATES WHEN MAKING YOUR RESERVATION ONLINE.
RESERVE ONLINE--------------------------------------------------------------------------------Enjoy beach front leisure with your own dedicated lounge chair in a private seating area. YOUR PRIVATE SEATING EXPERIENCE WILL INCLUDE:
0.Two padded lounge chairs0.A lockbox0.Dedicated retractable shade structure
Price varies seasonally. Only available for purchase at the park at the Concierge or Beach Rentals Desk. Cabanas and private seating are assigned on first come/first served basis upon check-in on day of rental.
Pricing and amenities subject to change. Rentals do not include park admission.
Unlimited BBQ
Hungry? Wet n Wilds Unlimited BBQ is guaranteed to satisfy your appetite. Enjoy an all-you-can-eat buffet including a selection of entrees,
dessert and soft drinks throughout the day.
Eat as often as you like and as much as you like FOR ONE PRICE!Located at the Riverside Pavilion.Menu for All You Can Eat BBQ Fresh Grilled Hamburgers Corn on the Cob Fresh Fruit
Pulled Pork Potato Salad Dessert
Hotdogs Baked Beans Ice Cold Coca-Cola Drinks
BBQ Chicken Legs Macaroni and Cheese
Now - May 18th, 2013 - Open Saturdays and Sundays Only
Starting May 19th - Open Daily

ONLY RIVERSIDE PATRONS PERMITTED IN THE AREA. All food and beverages must be consumed in BBQ area.
Price is valid for a single day. Open during summer months, usually May through August.$33.99* per person
Offer valid for up to (6) six people per College ID. To receive discount present your valid college Id at the time of purchase at any Wet n Wild ticket booth.*Rate does not include 6.5% Florida Sales Tax. Cannot be combined with any other offer. Offer subject to change without notice.
Military DiscountsNow through December 31, 2013In advance: Visit your nearest participating military base ITT or ITR offices to purchase discounted Wet n Wild admission tickets. Tickets are eligible for a FREE upgrade to a "Length of Stay" pass, allowing for unlimited admissions for 14 consecutive days from your first visit. Tickets eligible for a free upgrade require you to present your purchased ticket at Wet n Wilds Front Gate. Upgrade must be completed on your first day of visit. Offer valid until 12/31/13. Restrictions apply.At the front gate:
Present your current Military or Department of Defense ID to Wet 'n Wilds Front Gate and receive $5 off each General Admission ticket, valid up to six (6) admissions.

Group DiscountsSingle Day Tickets Purchase a minimum of 15 tickets or more and receive a group discount. Tickets must be purchased in advance and include an all-day admission. Annual Passes - Purchase a minimum of 15 or more and receive a group discount on Annual and Weekday Annual Passes. Passes allow a single user unlimited admission for one year from first use. Passes must be purchased in advance.
Restrictions may apply. For more information on our discounted admission tickets, please call a Group Sales Representative
at 800-992-9453 or 407-351-1800 or e-mail groupsales@wetnwildorf.com. 
Parking and Rentals

Parking

Cars, Vans and Motorcycles
$12.00

RVs, Cars with Trailers
$16.00


Rentals
Towels $4.00 + tax
Lockers - Mini Size $5.99 + tax
Lockers - Standard Size $8.99 + tax
Lockers - Family Size $10.99 + tax
Life Vest Free

Deposits: There is a $3.00 deposit on each rental item, which will be refunded upon return.
Dates, times, and prices are subject to change.For specific details, call our 24-hour Information Line 407-351-WILD or 1-800-992-WILD.
For Group Sales information, please call 407-351-1800 or 1-800-992-9453.
Pay a private student loan in full while in college?
Added on : Sunday May 12th 2013 02:00:11 PM
I recently came into some money via an inheritance and think its probably best to settle my private student loan (appx. $50k) in full as the interest rate is 7,25%. Its gonna be hard to beat that rate that investing the money. I know I'm allowed to make interest payments while a "in school" status, but am I allowed to pay off the balance in full?TYA
Credit score after college...
Added on : Sunday May 12th 2013 07:00:04 AM
I recently cosigned my brother's car and started a Wells Fargo college credit card with plans on buying simple things to establish my credit while I earn my 2 year degree. These both should establish and increase my credit correct?I also have federal student loans for school, will my credit take a hit during college, after, or won't change?My plans would be to ad another credit line after college(car loan) and I would like to steadily increase close to 800 by the time I'm 30?
Chase $200 Coupon Code With Direct Deposit Expires May 15th!
Added on : Sunday May 12th 2013 06:00:11 AM
I recently came across this link and thought I would share with the fatwallet community as this type of coupon is regularly requested through out the forums. Each code will be unique so no one will have to use the "guess method" to be able to take advantage of this deal. https://www.chase.com/ccp/index.j...r%E2%80%A6As per usual here are the terms and conditions for the bonus:Must be a new Chase Total Checking customer.*Service Fee - Chase Total CheckingSM has no Monthly Service Fee when you do any one of the following each statement period: Option #1: Have monthly direct deposits totaling $500 or more made to this account; OR, Option #2: Keep the daily balance in your checking account at or above $1,500; OR, Option #3: Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances. Otherwise a $12 Monthly Service Fee will apply ($10 Monthly Service Fee for CA, OR and WA). We will notify you of changes to your account terms or fees. For more information, please see a banker or visit chase.com/checking.Bonus/Account Information: Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. To receive the bonus: 1) open a new Chase Total CheckingSM account, which is subject to approval; 2) deposit $100 or more within 10 business days of account opening; AND 3) have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. After you have completed all the above requirements, we'll deposit the bonus in your new account within 10 business days. The bonus cannot be used as the opening deposit. You can only receive one checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099-INT.Account Closing: If your checking account is closed within six months, we will deduct the bonus amount at closing.Banker Instructions:Eligibility: Personal checking accounts except for High School, College, and Access Checking. Coupon good one time and may not be transferred to others.
Account opening: Enter coupon code. Customer has 60 days to have their first direct deposit post to this account and then bonus will be deposited within 10 business days.
E-Coupon Receipt: Print and give to the customer.Enjoy your bonus!
Cabela's Women's Basic Fleece Hooded Pullover
Regular Price: $34.99 Sale Price: $7.99 Qty:
Item: IK-917716
Step 1: Select SIZESMALLMEDIUMLARGEStep 2: Select COLORLAVENDER ICE - $7.99 - In StockText
The kind of relaxed comfort youll want to sink into. Cozy 60/40 cotton/polyester is cut with a roomy, relaxed fit. Embroidered Cabelas logo. Imported.
Sizes: S-2XL.
Colors: Pomegranate, Brown.  
sorry, sold out!!Cabela's Women's Varsity Hooded Sweatshirt
Regular Price: $39.99
Sale Price: $4.88 Qty: Item: IK-918879
Step 1: Select SIZE MEDIUM
Step 2: Select COLORLIGHT HEATHER GREY - $4.88 - In Stock
Screen-printed graphics and logo appliqus combine with 80/20 cotton/polyester fleece construction for rugged, college-inspired looks and warm, next-to-skin comfort. Rib-knit collar, cuffs and hem deliver long-wearing durability. Kangaroo pocket. Three-piece drawstring hood. Machine washable. Imported.
TextCabela's Women's Varsity Hoodie
Regular Price: $39.99 Sale Price: $14.99 Qty: Item: IK-919440
Step 1: Select SIZESMALLMEDIUMLARGEXL2XLStep 2: Select COLORBLACK - $14.99 - In StockCHARCOAL HEATHER - $14.99 - Limited StockMOUNTAIN ROSE - $14.99 - In StockWHITE - $14.99 - Limited Stock

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Cabela's Coupons
Financial aid while working?
Added on : Saturday May 11th 2013 11:00:04 PM
hi, everyone.i am a student at City College Of San Francisco and getting financial aid for it.six months ago, i have been working full time in a restaurant and making about 1100 per month.actually, i don't want to work to that much while i am still in school because i feel like i am a little behind in school and i don't want to quit the job (i don't want to ask my parents for money as they don't make much at all). so i would like to know how much is the maximal income that i can make if i still want to be qualified for the financial aid ? i am 24 year old and single.
Cabela's Women's Varsity Hooded Sweatshirt
Regular Price: $39.99
Sale Price: $4.88 Qty: Item: IK-918879
Step 1: Select SIZE MEDIUM
Step 2: Select COLORLIGHT HEATHER GREY - $4.88 - In Stock
Screen-printed graphics and logo appliqus combine with 80/20 cotton/polyester fleece construction for rugged, college-inspired looks and warm, next-to-skin comfort. Rib-knit collar, cuffs and hem deliver long-wearing durability. Kangaroo pocket. Three-piece drawstring hood. Machine washable. Imported.
TextCabela's Women's Varsity Hoodie
Regular Price: $39.99 Sale Price: $14.99 Qty: Item: IK-919440
Step 1: Select SIZESMALLMEDIUMLARGEXL2XLStep 2: Select COLORBLACK - $14.99 - In StockCHARCOAL HEATHER - $14.99 - Limited StockMOUNTAIN ROSE - $14.99 - In StockWHITE - $14.99 - Limited Stock

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Cabela's Coupons
Would like advice on my personal finances.
Added on : Tuesday May 07th 2013 07:01:39 PM
Hello. I'm new here, except that I've been getting the FW Deals email for about a year now. Browsing the forums I noticed someone who had a thread like mine, so I was hoping to get some advice for myself. I had a bankruptcy when I was 20 that kind of haunted me for a long time. Always been terrible about paying my bills on time and so my credit is awful. When we got married she had New credit... not really good or bad. But it has gone down hill over the last several years. The house is in both our names and we have made many late payments and our credit took a hit each time.She's has been with the same company since she got out of college and has a really nice job that offers pretty much unlimited OT opportunities. She always gets 15 hrs OT every week. We have insurance through her company. They offer 401k but she has not activated it yet.I have a new job (less then 3 months) that pays well. No insurance offered. No 401k offered.
Married: YES
Ages: Early 30s.
My Education: HS
Her Education: BoFA
Children: Two (5 and 7 years old)
Job: Both Employed FT
My Take Home: $1,600 (Bi-weekly)
Her Take Home: $1,300 (Bi-weekly, Amount includes 15 hours OT she generates every two weeks, this is guaranteed and does not fluctuate)
Combined Take Home: $5800/mo
Region: Southeast
My 401k: $5,300 (I no longer work at the company where this 401k was started, and no longer contribute to it but I still get quarterly statements.)
Her 401k: $0 (Have not initiated her 401k yet... but her company will match 3% and contribute up to 6%)
Savings: $0
NO OTHER ACCOUNTS OF ANY KINDExpenses
My mortgage was an 80/20 split. Recently Wells Fargo admitted to fraud and I was part of a class action settlement that netted me $300. My interest rates are 7% on each loan. House is small 2 bedroom, 1 bath, 1100sq/ft. I feel like I was ripped off when I bought this house. It had major problems with the roof, the plumbing, etc. It was a rental before I bought it and man was it dirty! But I loved the neighborhood and the house has charm. Still, I feel like a sucker for paying so much monthly on this small house. I know I am not getting any bang for my buck here. Outstanding balance on house is: $75,000
Mortgage #1: $735/mo
Mortgage #2: 135/mo
Electric: $200/mo
Cellular: $187/mo
Auto Insurance: $75/mo (Currently we have 1 vehicle)
Fuel Expenses: $240/mo or $60/wk, sometimes more if go "for a drive".
Groceries: $600/month
Satellite TV: $225/mo. (We just upgraded to premium service for HBO... Game of Thrones is back on!!)
Internet: $70/mo
Netflix: $8/mo
Child School Lunch Program: $30/mo
Other Expenses: $45/mo
Her Student Loan: $150/mo. (Owe $12,000, we haven't been paying this for years and have been doing deferments where they carry the loan over for 6 months)Credit Cards
Bank of America (Closed): $600 Balance (Going on 5 years)
Hospital Bills: $1,500 (Going on 7 years)
2012 Taxes Owed: $500 (Extension filed)
No other debt of any kind.We are all caught up on all monthly bills.Current Spending Priority: New Heat Pump by June 1 or we have NO A/C for summer! Estimated Cost: $2800 installed.4 Year Goal: Improved Credit, Move to Larger House!THANK YOU FROM THE BOTTOM OF MY HEART FOR ALL YOUR COMMENTS!
Gifting money to nephew FW style
Added on : Monday May 06th 2013 05:01:24 PM
I want to make a gift of one or $2000 to my nephew who is 12. I don't want the funds to be commingled with the family's money (I don't know if the marriage will last). And I intend the money for college expenses. I'm wondering what ideas people might have to do this. I was thinking of a 529 plan that I own (529 so I won't suffer any tax liability) ... But I wonder how to make him and his parents believe that it's really his. It seems too sensitive to ask his parents for ss#s to have a UGTMA account or a 529 plan that they own. Just thought I'd throw it out there. Thanks.
Student looking for scholarship money
Added on : Monday May 06th 2013 12:01:15 PM
Hey everyone!I'm new to the forum and was wondering if anybody had some advice about finding scholarships as a college student.Applied to some recently, but haven't had any success. Beyond Fastweb.com, any good recommendations for applications that won't take a huge chunk of time? Anything with some real chances for success?Thanks so much!
-Broke Student.
Ratio of property taxes to gross revenue for rentals
Added on : Monday May 06th 2013 11:01:17 AM
FWF,Did a search... couldn't find anything...I am in the process of learning everything I can about rentals and "passive income." Our property taxes just came out in IL and in talking with my neighbor (who does this for a living) he mentioned all of his units have a ratio of property taxes / gross revenue of 20%-28%.My question is: what is an acceptable ratio for these two variables? Mid-20% seems quite high to me.Note - My neighbor rents to college students in multi-unit homes and also believes he is assessed high.
Financial acumen in a spouse
Added on : Sunday May 05th 2013 08:01:12 PM
I'm looking for historical experiences of members and maybe what they've seen in people around them too.Specifically, I'm looking for experiences on the financial aspect with a spouse:
1. Should both people already be aligned prior to marriage on their approach to finances/saving/etc.? Did this turn into a bigger issue later on for those who did not address it before marriage?
2. Has anyone successfully helped a spouse improve their situation, or is that normally a lost cause? (Teaching them to save, etc.)My specific situation: I've been seeing a girl who is very different from me - decisions are really based on emotion rather than fact. Her: 30 years old and earns 40k, has 25k of debt on a new car, no retirement, no real savings, etc. and essentially lives paycheck to paycheck. She didn't have health insurance until I made it a priority, and I'm not sure she truly grasps the benefit of it. (She raised her deductible to 7500 from 5000 the other day to "save money" when in reality she doesn't even have savings to cover the $5,000 level)Me: 25 and make > 65k, no debt, and have a net worth of ~100k with 50k liquid including retirement, savings accounts, brokerage accounts, HSA, etc. I live with a roommate, maximize CC deals, etc.My approach is that if I know I want to have a family, I know major expenditures will likely include a home ($50k down payment), college expenses for the kids ($100k each in today's dollars), etc. It's much easier for me to save money now than later in life, and it provides me a lot of flexibility later in life. She has 5 years on me of time and I don't think she's ever been around people like me before, so it hasn't ever (and still isn't) been a priority to have finances in order or even plan for the future. (She's often been in a sales environment and I'm 99% confident her coworkers haven't ever even opened a retirement account - the impression I have is that they all live in the present searching for short term excitement)I've spoken to some coworkers and it seems like the spouses who did have a habit of saving a bit were taught to do so from an early age. I'm debating if it's worth pursuing with her given the big difference in our situation. I know that I would never marry her unless we had the finances figured out and an already established track record on her part. Any changes on this aspect need to happen far in advance - I'm certain of that. The challenge is knowing if I should put in 2-3 years and take it 1 step at a time to help her. This might mean getting her to open a 401k and start by putting $50/month in it, then getting her to ramp it up after a year or so of creating a habit. The real issue is that I don't think she feels a desire to figure this out at all, and so any effort on my part is not benefiting her life today, and future problems are not visible today. ("Why would I need to save for retirement? I like my work and plan to keep working")
Car Insurance for babysitting?
Added on : Sunday May 05th 2013 04:01:18 PM
Hi all-22 year old college student here, and ive gotten pretty tired of retail jobs over the summer. I have child care experience, so i have applied and interviewed for a few families to be a full time babysitter over the summer. Great money and I love kids so it seems like a win win. But the more I have looked online the more questions I have about needing extra balloon car insurance to protect me while I would drive the kids to their swim practice in the morning and then back to their house for the rest of the day. Itd only be like 2 miles every weekday, and im a great driver never been in one single accident. If my insurance company thinks im driving occasionally to class and only for personal use, I dont think I could afford the potential jump in price to add "business use". Any advice would be appreciated!
Craftsman 182 pc. Mechanics Tool Set with 3-Drawer Chest Over 50% Off: $110 AC (Reg. $230) + Free Shipping *You must be a Craftsman Club & Shop Your Way Rewards member (both free memberships) and be signed into your account to be able to get this price*
Craftsman Club Signup [craftsman.com]
https://www.craftsman.com/shc/s/UserLogonFormView?URL=TopCategor...
Sears has the Craftsman 182 pc. Mechanics Tool Set with 3-Drawer Chest on sale for $129.99 (Reg. $229.99) for Craftsman Club members. Applying the SYWR code TOOLS15 takes off $15 and VALPAK5 takes off another $5, for a total price of $109.99 Shipping is free, or choose free in-store pickup. Craftsman 182 pc. Mechanics Tool Set with 3-Drawer Chest [Sears.com]
Product Descriptionhttp://www.sears.com/shc/s/p_10153_12605_00933182000P?sid=IAx200... Craftsman 182 pc Mechanics Tool Set Delivers Torque for Life
Whether you're wrenching under the hood of your car or slapping together flat pack furniture for your home, the Craftsman 182 pc mechanics tool set with 3 drawer chest is made for whatever job you face. With 99 sockets that fit onto 3 quick-release wrenches, you'll be able to easily reach and maneuver in even the tightest engine spaces, while an array of 40 hex keys ensure you have the right grip for any assembly job. Equipped with 3 roomy drawer-compartments, a no rust plastic enclosure, and backed by the power of the Craftsman Forever Guarantee, this set delivers for life. Bring it home, and get those fasteners spinning.Craftsman 182 pc mechanics tool set with 3 drawer chest includes: 99 sockets for 1/4 to 3/8 and inch ratchets, 3 ratchets, 21 screw and nut drivers bits, 40 hex keys, 14 combo wrenches
Great starter tool set for the new homeowner or college student leaving home for the first time-or retirees setting out in their RV to travel the country
Quick-release ratchets make switching sockets easier and faster
3-drawer tool box constructed of rust- and dent-resistant material
Rugged steel delivers serious torque
Backed by the Craftsman Forever GuaranteeThanks Corwin76 op sd
Gift from grandparents to toddler
Added on : Friday May 03rd 2013 05:02:32 AM
My parents are toying with the idea of giving my 2 yr old his inheritance now and putting it into some sort of savings or investment. His college is covered, and I'm not exactly sure how much they are thinking, but it probably wouldn't be enough to bother with a trust. Any suggestions of where to put the money if they decide to give it now?Thanks!ETA--I'm guessing it would be in the 25,000 range.
Were we all wrong?
Added on : Thursday May 02nd 2013 05:01:19 PM
Please see this archived thread for background: http://www.fullofdeals.com/forums/finance/1139182/The overwhelming consensus was that these "colleges" are scams and that she would be better off not going there. At the time, I agreed.Now, 1.5 years later, she has finished the medical assistant program and has been working for the past 3 months making more than double what she was when she was in school. She took a federal student loan for $10k to get the degree, so she technically doesn't even have to make payments under IBR.Obviously this isn't a "rags to riches" story, but for a girl that failed out of high school and college, who reads at a 5th grade level, this for-profit program seems to be paying off.
Berkeley Dropout Returning - Need Advice on Career Path
Added on : Tuesday April 30th 2013 09:01:19 PM
I am a former student of CAL who was placed on academic probation and dismissed several years ago. In a nutshell, I pursued poker/gambling/interning heavily to the detriment of my GPA and education. It never panned out and now I am currently a corporation player for table games. 36k/year not too much more room for growth. Probably 50-60k most in a few years. Winning prop poker players make more. After much time off, I fulfilled all the requirements to return to CAL this Fall and want some guidance as to how to proceed thinking about my career.I was an intended political science major. Finished all major requirements short two courses. I have a foreign language requirement remaining - plan to take Chinese. I just need to take two full semesters worth of coursework to fulfill my unit requirement and graduateWhat are my best options right now?1. Go heavy on extra political science courses?
2. Pursue a minor in philosophy which I have some credit for already?
3. Start all over and complete a computer science degree if the college lets me?
4. Retake courses to up my GPA so I can pursue graduate school?
5. Something else? More useful courses for a career?I have a 4.0 GPA this year at a community college - yes it doesn't mean too much given the lower workload and standards. I'll do my best to do the same at CAL - hopefully that will look good for a prospective employer. But how do I explain away my past? The fact that I rebounded and returned is a personal accomplishment for me, and may be admirable to an employer but isn't exactly squeaky clean.
$20 Skype Credit for $10 (.Edu Email or Facebook Required) *Back Again - TODAY ONLY*CollegeBudet

Valid only for those with a student email or login with Facebook$20 Skype Credit for $10 [collegebudget.com]
http://collegebudget.com/national/deal/today-only-$10-for-$20-wo... Expires Oct 01, 2013 12:00 AM. No cash alternative. Not for resale. One voucher per user. Skype reserves the right to exclude participants from the offer in the event of suspected abuse or fraud. To redeem your voucher and make Skype calls, you must have a registered Skype Name and an Internet connection. A connection fee applies. Redeem your voucher by 09.30.12. Skype is not a landline replacement and cannot be used for emergency calls. Skypes Terms of Service apply see www.skype.com/tos [Skype.com])
http://www.skype.com/en/?url=http%253A%252F%252Fwww.skype.com%25... How does this deal work?
1) Buy this deal right now, right here for $10.
2) Get a $20 e-gift code to spend at Skype.com
3) Take your smokin' hot e-gift code, go to Skype.com/voucher and enter your code into to redeem your voucher. sd
How should one apply for a job when they are over qualified?
Added on : Tuesday April 30th 2013 06:01:27 AM
Hi everyone,
I have recently moved to Texas from California to search for new business opportunities. I've owned different businesses for the last 15 years and have experienced a modest amount of success. My experience ranges from retail, over seas importation of new product for U.S., and finally residential property flips. I'm looking to find a job here in Texas that will allow me to travel around this community to create relationships and learn the micro business environment so that I can choose a small business that would fit my goals. I don't care about pay, in fact, I would easily volunteer for a position like that. I've seen some job opportunities that would fit that criteria yet I'm unsure how to present myself. I haven't had a W2 since my college days. These are entry level positions opportunities.I've always tried to improve any place that I've been, so I'm sure I would benefit any employer for the time that I spend with them. Any former business owners out there that may have had such an experience?
Financial and id theft risk of lease guaranty
Added on : Tuesday April 30th 2013 06:01:26 AM
I would like community opinion re my concerns.
Situation: daughters moving out of college campus housing for next year.
A place they toured and picked as No. 1 has to me a strange requirement.
I presume that due to the fact that despite they are adults (20, 21) but have no income, parents are asked to be guarantors on the lease.
That is fine with me in principle but the text of the "agreement" obviously prepared by their lawyers basically abdicates responsibility for everything (still somehow acceptable) but their require SSN, copy of driving license and income plus my permission for what I understand would be a hard pull
on my credit.
With the staff in the office being maybe students or whoever, I feel very uncomfortable releasing this info. Of course, they can just deny the rental I suppose.
Am I paranoid?
Paying for college with appreciated Stock
Added on : Monday April 29th 2013 06:01:20 PM
My son plans to go to a private 4 yr college with annual expense of over $50K/yrs including tuition and boarding. We have about $50K in Education IRA. I did some seach on Google to find out that there are ways to pay for college with appreciated stock. Especially this article - http://indycollegefunding.org/content/tax-saving-tactics.Has anyone tried it? Has anything changed since article was published in 2012?Thoughts?Thanks
Auto Insurance Question - Driving Record Affecting Premium
Added on : Monday April 29th 2013 01:01:17 PM
My insurance is up for renewal in July - I am on a 6 month renewal term. I had a bad year a while back, with 2 accidents and a speeding ticket. I have also been insuring my almost 18 yr old daughter for a couple of years. Needless to say, my rates have been high. It has now been over three years since my accidents/ticket, so I have shopped around for some quotes. I have been paying about $1600 every 6 months for three drivers and three cars in Ohio. A recent quote with Esurance is for $980. I had a conversation with my insurance agent (American Family), and she says she can't change my rates in the middle of my term even though my accidents have fallen off the radar. She also can't (or won't) quote me new rates until renewal time. The logic is that a change also wouldn't be made in the middle of the term if I had a couple of accidents, only at renewal time. Should I wait 3 months for the renewal period to see if my American Family renewal comes in lower, or should I jump ship now to a different insurance with lower rates? Does it matter if I have had 3 different insurance companies in the past 3 years?Also, my daughter will be going off to college in the fall in Hawaii, so I will definitely not be insuring her or a third car while she is in school. I intend to drop her off the insurance at that time, and will probably also sell one of my cars. Is that a good move? Is that a change I will be able to make in the middle of the renewal period, or will I have to change insurance companies again to see an immediate change? Should I keep her insured even though there is no possibility of her driving one of my cars in Ohio? She probably won't be home at Christmas time, but possibly summer.
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TextThrough pure determination, fortitude and attitude, Daniel pulled out of impossibly difficult situations. His story is true, his story is a personal inspiration to me and I hope it will inspire you too to maximize your potential and go for the greatest of dreams. - Mark Victor Hansen, Bestselling Author, Chicken Soup for the Soul.Powerful and inspiring, Daniel Milsteins story is a testament to following your dreams and never taking no for an answer. - Seth Green Actor, Writer/DirectorOn a cold December night in 1991, a young boy with seventeen cents in his pocket first set foot in the United States. Twenty years later that young man found himself the founder and CEO of a Multi-Million dollar corporation. Daniel Milsteins harrowing story about how his mother, father and brother escaped the oppressive government of the U.S.S.R and immigrated to the United States and carved out a life for themselves has been described as the quintessential immigrant story of the era. 17 Cents and a Dream begins with a candid, gripping account of the Milstein familys tough life in Kiev, Ukraine under the oppressive government of the former Soviet Union. He recalls how he and his family were affected by the 1986 explosion of the Chernobyl nuclear power plant: Daniel was ten years old, and the disaster took place only 78 miles from their home, killing 100,000 people and spreading poisonous radiation throughout the environment. A few years later the family, struggling against poverty, government oppression, and anti-Semitism, made a secret plan to flee to America. After a narrow escape, the family arrived in Ann Arbor, Michigan with no understanding of English and few belongings. Young Daniel had only seventeen cents in his pocket, given to him by a friend to cover the cost of a postage stamp so Daniel could send him a letter. In the ensuing years, Daniel endured extreme poverty, endless hunger, relentless bullying from his new classmates, and cruel mistreatment while working long hours mopping floors and cleaning toilets. The never-ending sense of hunger in the pit of my stomach, he writes, became a part of me and manifested into the drive to do more, to be more, so my family could eat without worry.That hunger, plus the work ethic instilled in him by his grandfather, fueled Milsteins determination; after graduating from college, he worked for various financial institutions and was consistently promoted because of his strong work ethic.But perhaps most inspiring is Milsteins courage and sheer willpower as he began to build upon his success in the world of finance, working harder and longer than anyone else until eventually opening and growing his own multimillion-dollar company, Gold Star Mortgage Financial Group."17 Cents and a Dream: My Incredible Journey from the USSR to Living the American Dream" is both a true American success story and a manual for anyone who dreams of becoming successful in todays competitive world of finance and sales.DANIEL MILSTEIN is founder, president and CEO of Gold Star Mortgage Financial Group. He has been recognized as the #1 loan officer in the United States; has achieved more than $3 billion in personal mortgage originations; and is one of the top 40 finance professionals in the nation, ranked by National Mortgage Professional Magazine. Milstein led the company to the Inc 500 list and one of the fastest growing companies in the United States. Gold Star has over 500 employees in 43 offices across the U.S. and has been named a Top Workplace in Michigan for three years by the Detroit Free Press. Milstein holds an honorary doctorate and BBA in business management from Cleary University, Ann Arbor, from which he graduated with honors. He is the author of The ABC of Sales: Lessons from a Superstar, which in March 2012 sold 10,000 copies and became the #1 sales book on Amazon.com and the thirty-first top seller of all ebook sales.*Foreword by Mark Victor Hansen
How much money to put in your kids name?
Added on : Wednesday April 24th 2013 08:01:18 PM
If you didn't have to worry about gift limits, how much money (if any) would you put in your children's names? On one hand, there are some tax advantages to earning at least a modest level of investment income for your kids (~$2k in gains under the kiddie tax threshold). OTOH, 80% of the first ~$500k of any money that stays in their name will get confiscated by the education cartel when they hit college in 15 years, and that would be a shame. I'm assuming that with 15+ years of brainwashing and a strong FWF mentality, I expect i wont have problems instilling the right financial ethics to keep them from wanting to blow it all.I'm coming at this from an active trading perspective, so I'm pretty confident I can earn them some profits if I want (at the expense of my own account). I suppose a bigger tax win might be trading enough they meet the active trader definition and get to treat their profits as ordinary income (which avoids the kiddie tax, they get their own full standard deduction, qualifies for IRAs, etc). Any other considerations I should generally be wary of when it comes to money in their names? If I don't want it to stay in their name, I might make them take loans instead so that at least the principle comes back while still getting the investment tax break.
Smart phone Magic Music Box
Added on : Wednesday April 24th 2013 06:00:07 PM
Smart Phone Music Box for $24.95 I've ordered one and have used it with my phone and it works great comes in colors blue, black,and white I got the blue one.Never tried any of these types devices but it works great and sounds great! It is available at a site Mufungo and has the same on Amazon.There is no code for ordering and it is 5.00 less than anything even remotely close.two speakers-NO Wires-No Paring or Syncing the phone-just lay is on the box and it makes the favorite songs you like sound great,I ordered one for my daughter in college for Dorm,and can use in cubicle at work or camping.I have searched a lot of places on google and Bing and found very little info on it, Induction device!Here is the link to order if you would like to get one
http://www.mufungo.com/Magic_Music_Box_Cell_Phone_Speaker_p/musb...
iTunes - Music - Recovery - Single by Frank Turner FREE to Download
Added on : Tuesday April 23rd 2013 09:01:41 PM
https://itunes.apple.com/us/album/recovery-single/id638509865A former member of punk rock band Million Dead, Frank Turner turned his attention to folkier, acoustic "musics" after the demise of the aforementioned hardcore outfit. Born in Bahrain in 1981, Turner was educated at Eton College in England. His first foray into the world of punk and rock, with the band Kneejerk, came to an end in 2000, and he soon found himself joining up with Million Dead. Over the course of that band's four-year lifespan, Million Dead released two critically lauded albums, but...
Firms of Endearment: How World-Class Companies Profit from Passion and Purpose [Kindle Edition] - was $39.99Jagdish N. Sheth (Author), Rajendra S. Sisodia (Author), David B. Wolfe (Author)http://www.amazon.com/dp/B0093J9OPG
Publication Date: January 30, 200330 Reviews ★★★★.5Todays best companies get it. From Costco to Commerce Bank, Wegmans to Whole Foods: theyre becoming the ultimate value creators. Theyre generating every form of value that matters: emotional, experiential, social, and financial. And theyre doing it for all their stakeholders. Not because its politically correct: because its the only path to long-term competitive advantage.
These are the Firms of Endearment. Companies people love doing business with. Love partnering with. Love working for. Love investing in. Companies for whom loyalty isnt just real: its palpable, and driving unbeatable advantages in everything from marketing to recruitment.
You need to become one of those companies. This book will show you how. Youll find specific, practical guidance on transforming every relationship you have: with customers, associates, partners, investors, and society. If you want to be greattruly greatthis is your blueprint.

Were entering an Age of Transcendence, as people increasingly search for higher meaning in their lives, not just more possessions. This is transforming the marketplace, the workplace, the very soul of capitalism. Increasingly, todays most successful companies are bringing love, joy, authenticity, empathy, and soulfulness into their businesses: they are delivering emotional, experiential, and social valuenot just profits.
Firms of Endearment illuminates this, the most fundamental transformation in capitalism since Adam Smith. Its not about corporate social responsibility: its about building companies that can sustain success in a radically new era. Its about great companies like IDEO and IKEA, Commerce Bank and Costco, Wegmans and Whole Foods: how they earn the powerful loyalty and affection that enables truly breathtaking performance.

This book is about gaining share of heart, not just share of wallet. Its about aligning stakeholders interests, not just juggling them. Its about building companies that leave the world a better place. Most of all, its about why you must do all this, or risk being left in the dust... and how to get there from wherever you are now.About the Authors
Rajendra S. Sisodia
Raj is professor of marketing and founding director of the Center for Marketing Technology at Bentley College. He has a Ph.D. in marketing and business policy from Columbia University. He has published nearly 100 articles in journals such as Harvard Business Review, Journal of Marketing, Journal of Business Strategy, Journal of Business Research, and many others. He also writes frequently for the wall street journal. His research, teaching, and consulting expertise spans the areas of strategic marketing, marketing productivity, marketing ethics, and stakeholder-based marketing. In 2003, he was cited as one of 50 Leading Marketing Thinkers by the U.K.-based Chartered Institute of Marketing. Raj consults with and provides executive seminars for companies in various industries. Clients have included Sprint, Volvo, and IBM, to name a few. He coauthored The Rule of Three (Free Press, 2002) with Jag Sheth. Other recent books include Tectonic Shift: The Geoeconomic Realignment of Globalizing Markets (Sage Publications, 2006) and Does Marketing Need Reform? (M.E. Sharpe, Inc., 2006), both with Jag Sheth. Forthcoming books include The 4As of Marketing and Marketing Management (John Wiley & Sons), also with Jag Sheth.

David B. Wolfe
David is an internationally recognized customer behavior expert in middle-age and older markets. He is the author of Serving the Ageless Market (McGraw-Hill, 1990) and more recently Ageless Marketing: Strategies for Connecting with the Hearts and Minds of the New Customer Majority (Dearborn Publishing, 2003). Davids consulting assignments have taken him to Asia, Africa, Europe, and throughout North America. He is widely published in publications in the United States and abroad. He has consulted to numerous Fortune 100 companies, including American Express, AT&T, Coca-Cola, General Motors, Hartford Insurance, Marriott, MetLife, Prudential Securities, and Textron.

Jagdish N. Sheth
Jag is the Charles H. Kellstadt Professor of Marketing in the Goizueta Business School at Emory University. He has published 26 books, more than 200 articles, and is nationally and internationally known for his scholarly contributions in consumer behavior, relationship marketing, competitive strategy, and geopolitical analysis. His book The Rule of Three (Free Press, 2002), coauthored with Raj Sisodia, has altered current notions on competition in business. This book has been translated into five languages and was the subject of a seven-part television series by CNBC Asia. Jags list of consulting clients around the world is long and impressive, including AT&T, GE, Motorola, Whirlpool, and 3M, to name just a few. He is frequently quoted and interviewed by the wall street journal, New York Times, Fortune, Financial Times, and radio shows and television networks such as CNN, Lou Dobbs, and more. He is also on the board of directors of several public companies. In 2004, he was honored with the two highest awards bestowed by the American Marketing Association: the Richard D. Irwin Distinguished Marketing Educator Award and the Charles Coolidge Parlin Award.
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NEW!!!NEW Garmin nuvi 50LM US 5.0 GPS Navigation System with Lifetime Maps via eBay via buydig $108.99Garmin GPSProviding 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.
Free Game of Thrones viewing party kit for college students - FB
Added on : Friday April 19th 2013 11:00:49 AM
https://www.facebook.com/Xfinity4College/app_335945729840074
30pc Rubbermaid Set -€“ Microwave & Dishwasher Safe! for $14.99 + free shippinghttp://www.dealgenius.com/30pc-rubbermaid-set-microwave-dishwash...Look out belooowplastic avalanche! Weve all been there before. A mountain of mixed plastic containers and lids gives way like a stack of Jenga when attempting to pull just one piece out. Bring some order and harmony back to your cabinets with the 30-Piece Rubbermaid Easy Find Lid Set (15 bowls + 15 lids). The bowls nest to save space, and the lids snap onto the base so you never have to go digging for matching lids again. Never be a victim in your own kitchen again. The 30-Piece Rubbermaid Easy Find Lid Set makes a great housewarming, wedding, shower or back-to-college gift.nuts & bolts:
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(5) 1.25 Cup Containers, (4) 2 Cup Containers, (2) 5 Cup Containers, (2) .5 Cup Containers, (1) 7 Cup Container, (1) 3 Cup Container
Pay down debt vs. Investing vs. Saving for house
Added on : Thursday April 18th 2013 03:01:00 PM
I am seeking advice on how to meet the goals that my wife and I have set for ourselves. I am 23 and she is 22. We both are one year out of college and live in a low COL area. We are currently saving $1000.00 a month after our bills. I expect our income will increase 7% annually.We currently have $18,000.00 sitting in a high interest savings which we say is our emergency fund. This is approximately 6 months worth of expenses. We have been married for almost 1.5 years and within this time both of our cars died. We have two car loans which sit at $9500.00 @ 2.75% and $15,000.00 @ 1.99%. These are our only debts.We would like to buy a house within the next few years, but our struggling with the fact that we would like 20% down to avoid PMI. We need to save $32,000.00 to purchase a house that would meet our future needs.My question is how would one go about saving for the future? Would you start investing now or wait until all debts are paid? Would you keep things the way that they are and invest as well as save for a home? I feel like we are doing well, but want to stay ahead of the game.Any advice would be well appreciated it.Thanks,John
Property insurance for a college student
Added on : Monday April 15th 2013 09:01:10 PM
I have been looking at property insurance for my children when they are at college. Although I wanted coverage for theft, I also wanted a policy that covered damage due to accidents. More of my friends' children have dropped or spilled something on their laptops or phones than had items stolen at school. Options:1.Homeowners policy. I decide against this option because I have a deductible that exceeds the value of every possession any of my children will have at school. Although I could reduce the deductible, the cost of doing so didnt make sense. Also, I am unwilling to risk losing coverage due to making small claims.2.Rental insurance. Although rental insurance might be a good option, most policies I found (HO-4) did not cover accidental damage.3.Separate policies for electronics. Most policies for phones and laptops are in my opinion overpriced and do not cover spills.4.Specialized insurance. There are at least two major firms, CSI and NSI that tailor their policies to college students. Each of these companies offers plans that cover the same perils that the rental insurance plans I considered plus accidental damage.Once I decided on option 4, I compared CSI and NSI. I selected CSI because for as little as $1 more per year than NSI, its policies offered more coverage for bicycles and jewelry plus identity theft insurance. Although there may be better options, I thought this might at least help someone at FWF considering insurance for a college student. CSINSI
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Are We on the Right Path? FWers Assess my Finances & Goals
Added on : Sunday April 14th 2013 09:01:07 PM
Hi all--New FW user but longtime follower. Have used many of your tips in the past but haven't been on the forum in awhile. I'm looking for some advice on my wife and my financial situation, specifically with two things in particular- our home and our desire for children (more later).My wife(29) is a Registered Nurse and I am a Bakery Manager(30) for a high-volume location in a mid-size grocery store chain. Her W2 income last year was $62,000 and mine was $55,000. We have a 3bed/2 bath townhome we bought for 105k in May 2010, with a 30yr mortgage at 4.5% with a payment of $447.50 per month but we generally send an additional $500 towards prinicipal. Our balance is around $68,000~. The current value of the home is around 90k~ due to a few foreclosures and many up for sale in the neighborhood. My 401k is 50% in company stock and 50% in bond funds, with a balance of $60k. My contributions are 6% of salary, and 3% are matched at 100%. My wife has a 403b contributing 5% with a 50% company match, all in growth funds (Fidelity), with a $35k balance. We both have 100k life insurance through our employer.We have no credit card debt and she has $36k remaining in student loans and I have $55k for a degree I have no use for. Mine is at 2.5% and hers is around 4%. One car loan with a year left of $430 payments at 0%. Other car paid for.
My questions:
1) We'd like to move into a single family home because I will be moved to a new location soon, which is closer to her work. 3 bedroom homes generally range from 200-300k in that area. My concern is because of the depressed home values in our neighborhood (specifically the townhome community) we'd be taking a loss on the home around 35k after all is said and done. And who knows how long it would take to sell? Is renting an option? The HOA dues are $130 and we could probably rent for $900~ (booming town and community college nearby), so that is positive cash flow. However I am completely new to owning rental property. What liability would I be taking on and what is recommended for screening tenants? Should I hire a manager/management company?2) My wife suffers from infertility and we have spent $20k on three rounds of IVF to no avail (no insurance coverage despite a very good policy). We are now considering other options, including adoption. We are in the process of reading up on that...is a lawyer necessary? Should we do anything financially to prepare?3) Even though we have no kids or debts, how is our life insurance? Should we supplement with a term life policy (I know whole life and annuity/life blends are frowned upon here)? I know if my wife quits working to take care of potential children that I should get a much higher policy.4) Consider starting an IRA? Anything else we should be worried about?We have significant net income after our mortgage, car, and expenses. Our "guilty pleasures" are good vacations 2-3 times a year. That being said, we have a good amount in checking and savings, as well as a separate 6 month emergency reserve. Vacations will be cut once we have children.
Termination!! Obviously sob stories.. What to do next?
Added on : Saturday April 13th 2013 06:02:20 PM
Hello, I hope that you are having pleasant day. I've been learning a lot from FW finance forum- today, I humbly ask for your honest opinion of what I should do next. Since I didn't want to get this issue known to anybody(though this is anonymous forum... crazy, I know), I used Alt-ID and for that, I am genuinely so sorry about those who don't like to see Alt-ID: never knew I would be the one that would be using it. After the graduation of college, I decided to stay at college town so that my fiance could finish her degree. (I majored in Economics, for those who care). Since I wanted to do something useful while waiting, I started my first career as a teller in a local bank. Even though I knew that being a teller wasn't going to strengthen my resume, I worked really hard as if becoming teller was my destiny. I quickly reached incentive level and reached top 10 percent of tellers among five states, which was all good. The cash flow from being a teller wasn't big enough, but I was able to put food on the table along with some nice gift for my gal. I was a happy man back then. Then the cookie started to crumble. The relationship between my fiance and me went south- after breakup, I realized that I do not have any connection or friends. While I don't want to say that the time that I spent with her was a waste, I certainly should have had my personal life. I was floating in middle of nowhere in geographic sense(not in a big city like Boston, Chicago, San Francisco etc) either. I was stressed as is and this was what happened after a week of breakup. I was preparing to move to another big city so that I can finally start my second beginning albeit it was without her. We, as retail tellers, occasionally help the commercial tellers because there is so much for the commercial tellers to do. That day was the day that commercial room wasn't able to handle the workload that they are given. After 5:00PM, I realized that I was 5.14 dollars short from the drawer and the commercial room asked for the help they needed. Grudgingly any available retail tellers started to help them out. At 7:00PM, everybody was tired and wanted to go home. At the very last deposit, I found a deposit slip where they did not write down the amount of deposit. THIS WAS WHERE IT WENT WRONG. For some reason, I put 5 dollars less than what the actual deposit was (not 5.14!!!). I did not know what got into my head- the balancing wasn't my motive to put that money into my drawer since I ended up writing off 14 cents. My balancing rate was more than 95 percent so I knew for sure that my supervisor would not mind me being off 5.14 dollars let alone 14 cents. My coworkers saw me underwriting from the deposit and reported to supervisor that I shorted them for 5 dollars. Few minutes later, managers available at 7PM all gathered up and asked me whether I did that terrible act. He asked me whether I really did that since he could not believe the fact that I, who were so enthusiastic and friendly about this bank, would commit this serious issue. I told them the truth as I wouldn't lie. They asked me that whether I have been doing that more than once and I told them that I did not. If that was the case, I would've denied the fact that I shorted commercial deposit at the first place instead of admitting it. They agreed that I am not the character like that and yet were deeply shocked by this incidence. They told me to correct the transaction and come back tomorrow for further action. Feeling terrible and befuddled about the motive of force balancing, I showed up to my work after that day. I have concluded that the recent crumble with the relationship that went south interfered with the clear thinking that I always had. They took the whole day to investigate whether I shorted other customers to balance myself. Of course, they was not able to find the supporting evidence as I never did such act prior to this. After escalating this issue to vice president and HR, they decided to terminate me. I was asked to sign the paper where it read as "the bank has lost trust to employee XXXXX for this action and has decided to terminate his position". However, the head of HR told me that the bank and supervisors do not believe that I did this in any malicious way- but they have to follow the compliance. Long story short, I was terminated with free of charge(no, they did not call police), which was fortunate. The head of HR further told me that they will only verify the start date and duration of employment, the tile as a teller- they would not answer the question of eligibility of rehire. She added that they use the term terminated for every single person who leave the bank: whether it is their own accord, retired, or terminated. I honestly think that this is the end of line for me- I lost everything that I took pride and loved. I lost my fiance, and now I lost my career where I once took my pride and excelled at. With the big termination mark at teller job, I do not think that any financial institution would hire me. I wanted to apply asset management careers after getting myself married and moving to a big city but all those dreams turned into ashes. Honestly, who would hire me after hearing this story? While I certainly don't hope that this would lead to depression or any sort, I would like to ask for your opinion. Am I done for the life? Would I be better off throwing myself from the building? <-Okay, that was little bit extreme, but I really, really don't know what to do. I don't even know whether I should be posting this. Please share me your thought.
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Added on : Saturday April 13th 2013 04:00:05 PM
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Housing Advice - Ft. Lauderdale area
Added on : Wednesday April 10th 2013 02:01:07 PM
I know that FWF isn't a housing board, but since there are so many people here who follow real estate I figured I'd ask.The situation is: my GF is starting a job as an assistant professor at one of the colleges in Davie FL. We're headed down next week to look into housing, and I've been doing a lot of research online in advance.First: I thought the housing market crashed in south FL. You certainly can't tell by the rent prices! 1BR apts seem quite expensive at 1K/mo+ near the colleges. She's trying to avoid commutes, so walking/biking distance is what we're looking for, but a short drive is OK too if it will save significant money. However, it seems silly to spend 30 min in the car each day, so long commutes are out of the question (I just can't think of a good reason to not live close to work). We're not sure how long she will be in FL, since I will be graduating with my PhD in about 2 years, and want to leave ourselves open to a national job search for both of us considering how academia is these days. So, renting seems to be the smart choice, correct? Does anyone have any advice on finding good deals around Davie? Her starting salary is ~60k and I cringe at the idea of spending 25% of her income on rent; we've had roommate issues over the past few years, so I don't think that's an options he'd consider especially considering that most of the room-renters in the area may be students at her college.Second: I know that eventually I want to start investing in rental properties. I've got the skills to do house maint. and minor construction work myself, but I have never lived in a climate like FL so I have a lot of research to do before I would consider buying a rental property. However, the rents in the Ft. Lauderdale area seem crazy high compared to the housing prices. Is there something I'm missing? Should I be looking in to this further? (I can post this question in the RE thread, if that would be more appropriate).No pics of GF, but maybe some green for not making a new UN?
Pre-college programs. Is it beneficial to do it?
Added on : Wednesday April 10th 2013 02:01:07 PM
Our son is 11th grade and we are getting quite a few mail (postal and emails) about pre-college programs offered by many universities/colleges. Most of them are expensive (around 4k to 6k for 3 to 4 weeks).
Is it beneficial in the college admission process?
Profile of our son:
GPA: In the 3.75 range
SAT (based upon super score): high 2300 range.I will appreciate feedback from others as this is totally new area for us.-Nirav
Selling Car, to fix bumper or sell with out fixing bumper??
Added on : Wednesday April 10th 2013 01:01:11 PM
Hey Guys, I know car buying/selling advice is seen alot on FWF and mostly its a matter of personal opinion. But I feel this is more financial than most posts which are simply I want a new car or should I keep an old one. I plan on selling my car, an 09 Lancer, The driver side Fender and Bumper need to be replaced, a shop quoted me about $1500 for the repairs, should I pay for the repairs than try to sell the car or should I just try and sell the car the way it is. These are only cosmetic damages does not effect driving or anything like that. I also have a lot of scratches on the car, (used to park in my college town and I guess drunk people thought it would be funny to key my car??). So if I replace the bumper/fender I will still not be able to list the car in PERFECT/AWESOME condition... any advice?Thanks!
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Added on : Wednesday April 10th 2013 10:01:18 AM
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Added on : Wednesday April 10th 2013 12:01:16 AM
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Bitcoin worth $190 US this morning
Added on : Monday April 08th 2013 10:01:05 AM
site said: in May 2010, a programmer famously asked in a forum if anyone would take his 10,000 BTC (Bitcoins) in exchange for ordering a couple pizzas for him. This pegged his 10,000 BTC at around $41 USD in value. Today, those same coins are worth more than $1.5 million USD hope he enjoyed that pizza!

Before I explain the most important aspects of Bitcoin, I want to promptly vaccinate you against some of the rather lame narratives the mainstream media and banking establishment will shamelessly shove down your throat over the next few months to dissuade many Americans from using Bitcoinsource
I wish I'd gotten in last year when my college roommate told me to check it out. Shudder to think how wealthy he (might) be today.
Getting a law degree without wanting to be a lawyer?
Added on : Sunday April 07th 2013 04:01:07 PM
New to this site but had read prior topics on post bachelor degrees here and wanted to ask something specific to my scenario.I got my undergrad degree from a Midwest state University, majoring in Finance and International Business. Got a job for a large manufacturing company as an accountant/financial analyst and have been working there for close to two years. I've know I wanted to get an MBA for awhile, but wanted to put in more years of experience before that. The company I'm working for is possibly looking to promote to a position within Portland for a few years, which I'm willing to do, but while I'm out there I'd like to do a part time program for school and take advantage of the area (where I'm located currently, there are no options for schooling). Aside from some state schools out there offering Masters in Econ or Finance, there's not much of interest related to finance specifically. However Portland is home to Lewis and Clark College and offers a reputable part time law program, and specifically business law certification.On top of this my father currently runs his own law firm and does pretty well for himself, and my parents recently had a conversation with my brothers and I about what he's going to do with the business when he dies/retires. Currently he can't legally transfer ownership of a law firm to someone without a law degree. My brothers are in engineering and web design, so they have no desire for law school. Which leaves me. I really don't want to ever be a lawyer, I like corporate finance and dealing with strategic business decisions, however I'd also hate to see my Dad's firm dissolve.So I guess what I'm asking is a law degree beneficial to someone in business who isn't trying to become a lawyer? Is it worth it to take on ~$100K in debt without necessarily seeing a huge pay increase? Anyone have experience in this?
Want Costco Amex, Advice?
Added on : Sunday April 07th 2013 02:02:07 PM
Hello. I have a business and buy a ton of stuff at Costco. I would like to get the Costco AMEX to start getting more CashBack (I have the executive card and get the full CB every year). I have a few negs on my credit I wanted to go over and see what you all thought.I signed up for an Experian account about a month ago. I had 2 old medical bills in collection from 6 years ago that I didn't know about. I moved around a bunch after college and apparently my insurance didn't cover a few things from when I was in school. So I called the companies and paid both of them off. I looked at my Experian credit report today and they are both gone and my credit score jumped from 591 to 648.One problem I see with my credit report is I have a student loan that is repeated. The DOE sold my loan with them to a different company. Now it shows the loan twice and says I have 40k in student loans instead of 25k. I've read that student loans aren't a big problem so I'm not sure if I need to do something here or not.Other than that I have 1 CC that I pay off monthly. It's a Wells Fargo card with a limit of $4700 that I have had for 8 years. I have 2 inquiries in the last year, and 2 CCs that I closed about 4 years ago.Any advice would be great. I have cash and anything I can do raise my score would be awesome to know, I did read that I should probably have more than 1 CC. Any AMEX that pays CB would work. I want the most limit I can get as I spend about 20k at Costco a month. Also, anybody have any idea on how quickly you can get your limit raised if you use the card a lot and never keep a balance? Thanks!
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Hello FW Family,I'm looking for some life saving advice because you don't know what you don't know. My goal of this post is to access my current saving plan and make proper adjustments. I'm "stingy" with cash and feel like I MUST save although I'm not really saving for anything specific. I just worried that just cause I make more money now that I should spend it.BACKGROUND:I graduated college in 2006 and a friend told me about the Fatwallet community. I actually joined just to save a few bucks and turned out to buy stuff I didn't really need from the "hot deals" forum. Since then I've spent lots of time in the "finance" forum shadowing post on "buying houses" and learned about the basics of getting out of debt, got scared to get in debt, and really learned from a lot of you all. I bought my first condo with the help of fatwallet, turned into a landlord with the purchase of my second property, paid of all my CC debt, and saved $90k in cash. Hell you all saved me hundreds in my last post when I got screwed by a water heater company.Debt:
$40K College loans at 3% rate
$1500 (Monthly) - Rent + Parking (Recently moved to San Francisco)
$300 (Monthly) - Bills (Cell phone, cable, electric, etc) My current saving strategyAt the start of the month I get paid and immediately pay my rent $1500 and put $1500 away in my ING account. When I get paid on the 15th, I put away $1500 in ING and have $1500 to pay bills, eat, live etc. This $1500 typically covers me for the next time I get to the middle of the month. I treat it as a "game" kinda but I've been sticking to my plan of $3000 saved in ING monthly. I'm not saying this is a good plan and I do purchase items and go out to eat here and there. I just graduated my master's program and will have to start paying back on my loans in 6 months. I currently invest 12% in my 401K and do not contribute to my ROTH IRA anymore since I'm not much a good stock investor.Questions
1) I know my saving plan isn't sophisticated so ANY advice on other alternative saving plans would be greatly appreciated. Tips?
2) What is a good amount I should be saving per month?
3) I plan on buying a car in the next year? What is the best way to finance it? I could pay cash but I've also heard you could borrow against your 401K or do a HELOC. Any advice there?
4) Is there any place I should be putting the money other than ING?
5) What moves did you use while 30 (Question assumes you're over 30 years old)Thanks in advance. This post in no way is to come across as a d*uche or another what should I do with 6 figures of saving kinda post. I'm generally asking for help because I have trust issues going to a personal advisor at Merril Lynch or something along those lines. In a weird way I feel you guys are my extended family.
Hello All,I have already posed this question in GMAT Club forums and Wall Street Oasis. I have only received limited feedback, so I thought that I would ask the most financially savvy community on the internet their opinions about career and school guidance. If this is too big a favor to ask by all means give me red.Let me apologize in advance for the length of this post. It is a hybrid of career choice and school questions- I am considering the necessity of MBA school / chances / where to apply and believe I understand the nuances of most schools inside the top 20.I am an Air Force Captain with about 7 years' service. Undergrad double major in Supply Chain/Econ from one of the better Big Ten schools with a 3.7 GPA. Also have an MSc in Quant Finance from an average Pac-Twelve School (not in California!) but with a fairly robust curriculum and 3.8 GPA.My AFSC (MOS) is in the Finance arena, but have had some very atypical assignments, have checked the blocks on deployments to both major AORs in ways that were not standard Bob on the Fob G-8, and am currently working at an Embassy assignment... fair amount of breadth and I'm reasonably sure that for a non combat arms role my profile is strong - would be grateful for feedback on my Linkedin/Resume and would happy to provide on a PM.I have also passed my CFA Level 1 exam and will be sitting for the Level 2 in June.BLUF: I want to work at a hedge fund full stop, first as an analyst, and progressing to a portfolio manager-global macro long/short go anywhere fund. I am not interested in working at a long-only asset manager or mutual fund. Eventually I want to run my own fund and if all goes well (yes that's an optimistic assumption but you have to have goals) I have some longer term plans about how I would want to build out the fund and turn it into more of a venture philanthropy/ emerging mkt micro venture capital endeavor - this would be the crux of any essays I would put in for MBA schools. I would also attempt to parlay my international experience in essays. This plan has evolved, but for the most part it is what I've wanted to do since my junior year of college. The career progression I've sought is pretty self-explanatory to any school with the Master's degree concentration and the CFA, and my rationale would be the school as a natural pipeline for a career change and network exposure. My dilemma is as follows: I am questioning the necessity of attending MBA school at all, because last year I was seriously considering getting out and managed to land interviews at several of the BB banks in NY, which at the time I viewed as a critical stepping stone to the alternative asset space. Managed to land one job offer in the market reg side in oil futures surveillance, but the salary offered was on par with a first time job out of undergrad. I have a spouse with grad school debt and we could not make the numbers work in NYC. I worked closely with Veterans on Wall Street to get to these interviews, but the industry was in such flux with Dodd-Frank at the time that 4 firms asked me to wait until summertime. That said, I've maintained contact with my interviewers and hope/think that they will keep me in mind down the road.In parallel I was offered this very unique Embassy job opportunity; my wife is in the NGO/Int'l Development arena and we had to jump at the chance. In the Air Force you only have 5 days to accept an assignment selection or you have to establish a date of separation and no deferral of an offer. Fast forward to today and we have another year left here, but possibly up to two years if I put in for an extension. Leading up to the week that I accepted the overseas job, I had been cultivating relationships with a few hedge fund managers and sought their counsel - a common piece of advice I got was get the international/life experience, skip the MBA completely, pursue the CFA, and learn Python programming. They also recommended trying to start directly at a HF rather than try to navigate the as-of-yet uncertain maze of what Sales/Trading desks at the big banks will look like post the major regulatory changes. Although they personally said they would speak to me when I returned home - 2 years is a long time and there are no guarantees.Since before I was commissioned I've been trading equities/options on my own and have managed to grow the portfolio to a fairly comfortable level (market hours are friendly in SWA); I have all of my transactions documented and can verify performance figures- I absolutely realize that this is close to irrelevant in hiring for institutional money management but only offer it to further emphasize my dilemma. As an undergrad I was also active in my school's investment association which at the time was running the largest student run fund in the world, and studied in the UK my junior year that concluded with a short internship in London at the LME and a week survey at the Bank of England.Back when I was applying for the Master's program I didn't do as well on the GMAT as hoped and got a 660 which I attribute to poor time management. But that was 7 years ago meaning it is off the books at this point, and I am quite confident I could push above 700 with a reasonable amount of prep. First, given all the above details, is there an overly compelling need for me to go to MBA school? The fact that I was offered an analyst/undergrad position is a concern I have because an analyst's salary will not work for me in either NYC or SF as family planning is going to be a reality in the very near future. The other big banks seemed to be hinting at a senior analyst level or even associate position, but likely for a summer internship offer. I certainly understand the risk they are assuming with an unproven person coming into a new industry. Since that time many of the large firms have come out with military specific programs, which they may have known about when we were speaking, but were not public at that point. Believe me, I have heard and understand the "You're taking the difficult path" rather than the natural one by NOT going to MBA school.Although there are differences between top MBA salaries over the course of career by most normal metrics, in my specific case I'm wondering if the lost opportunity cost is worth it... I will be a little older than your standard post Academy/ROTC guy and low 30s should be prime earning years, even if I am able to attend school cheaply or even for free with Post 9/11 and Yellow Ribbon. I remember looking at Cornell Johnson's 1 year program but the issue with that is no opportunity for an internship and you're left to your own devices at graduation- could be stated from a position of ignorance but I spoke with a few of the military guys there at the time and they recommended going for the 2 year one. With 1 year, the time isn't automatically built in so most of your school experience would be trying to get recruited.Second, If school is absolutely the way to go, for hedge fund specific positions, are there any other schools to seriously consider than Columbia, Wharton, NYU, and Booth? MIT certainly has a lot of academia in that realm with Andrew Lo's finance lab, but I perceive it to be more an operations/quant/management place. For West Coast, I would think both Haas and Anderson are well represented, but Stanford (impossibly tough to get into) seems to be much more tailored to the VC/PE/Startup set.Finally, Is there any factor that I am not thinking about that I should give more consideration? With a 700 GMAT & reasonable quant is there anything more that you would recommend in terms of application approaches other than what I've already mentioned?Thank you very much in advance for any advice you can offer, and once again I apologize for the length of this post.
Strategy for Parent's Unmanageable Student Loans
Added on : Friday April 05th 2013 06:01:40 PM
My parents took out loans to help me pay for college many years ago. After my graduation, they paid toward them a little, but then decided to attempt to forbear indefinitely. This was "successful" for many years until Sallie Mae recently purchased the loan. Years of accrued interest have brought the total to $90,000.The payment level Sallie Mae is requiring wasn't budgeted for by my parents, who had basically mentally written the loan off. They believe that paying the monthly payments would bring them to a subsistence existence; this could be close to the truth.They've requested my help, understandably. I could put about $20,000 toward the debt before falling into debt myself. Given my parent's total debt level and income, however ($125k total vs. $30k/yr, respectively), I'm not sure that even $20k would be particularly impactful over the long term.I don't know that a consolidation loan would be available given their middling credit scores and the large debt size, but we haven't yet looked into it. Both are at retirement age, so I'm trying to come up with a sustainable situation without taking on unsustainable debt myself. Those two situations may be mutually exclusive, I fear.Any ideas would be greatly appreciated, thanks.
Help make college decision: premed
Added on : Friday April 05th 2013 12:01:05 PM
Daughter got accepted to University of Toronto, McGill, BC, Brandeis
Canadian schools cost around 33k + living expenses.
BC: around 52k
Brandeis: 43kThe goal is to get accepted to medical school after undergraduate. Which school would you select and why?
Help make college decision
Added on : Thursday April 04th 2013 04:02:03 PM
My son has been fortunate enough to get accepted into quite some colleges and it has lead to interesting challenge of shortlisting one of them. At this point, he plans to do Computer Science followed by MBA or Law. But things may change.He got into the following amongst other such as UChicago and John Hopkins that he is not considering.
1. UC Berkeley - in state tuition about $13K/yr
2. USC - University of Southern california - Full ride with honor research program that pays about $3K/yr. It would have been a easy decision to not consider USC if they were not offering full ride.
3. Caltech - Tuition about $40K/yr.My wife and I think that where one goes for undergrad is important as this is the brand that carries for life. Moreover some employers (Mckinsey, Facebook, etc) only go to top tier schools for recruitment and are therefore leaning towards Caltech.What do you think? Looking for pros and cons so that we can make an informed decision.Thanks
Save cash for a house or get a mortgage?
Added on : Thursday April 04th 2013 11:01:19 AM
Hello,
My family is moving in a year. Our current house is paid off, and we should have no trouble selling it when we move.
A similar house at the new place costs more. Should we stop our retirement and college investing for a year to save cash for the new house,
or get a small mortgage and pay it off quickly? Thanks for your input.
Buying too much house?
Added on : Tuesday April 02nd 2013 08:01:00 AM
Hi,There's probably been a few threads on here with this title, but I was hoping to get some more detailed advice given my circumstances. My wife and I are looking to build a home that would cost $450k. Below I'll list some basic facts about us:- Our combined gross income is around $132,000
- We have no debt other than our current house, of which we have around $33k in equity.
- We would do 20% down on the new house and have a little over $50k left liquid post-closing. This is NOT assuming we sell the current house, might rent it out. If not I'd expect that to bring another $20k or so.
- After all monthly expenses (including new mortgage/taxes/insurance and utilities inflated for the bigger home) we'd be saving $2,000/month.
- The above also includes the 15% pre-tax I put into my 401(k), my wife's 6% in her 403(b), and the $5k we each put into our Roth-IRAs each year.
- We both have excellent credit (800's)I've read that your housing expenses should not exceed 28% of your monthly gross income, this house would be 20% at current incomes. So we'd seem to be pretty conservative there. But I've also read you should not buy a home costing more that 2.5x your annual income. That would only be around $330k for us. So there would seem to be a huge discrepancy between those two rules. The 28% rule would put us at a max home price of around $650k, about twice the 2.5x rule. So I'm a little concerned with that. Further, a couple years after this move we'll be thinking of having kids (at most 2). By my estimates to put 1 child in day care is around $1k/month, so that'll put a dent in the monthly savings, not to mention the other costs of raising a child and trying to fund a college savings account. Granted, each year of the 5 years I've been with my current company I've gotten around a 4-5k raise, but that's no guarantee. I could see down the road having to curtail retirement contributions unless incomes grow substantially. However, we are likely putting more than we need to in retirement accounts by my estimates.Bottom line, do you think we're looking at too much house? If so, what would be a good number for us to stay within? Do I need to provide more information?Thanks
Financial Aid
Added on : Monday April 01st 2013 11:01:01 AM
I'm trying to get approved for financial aid, but the problem is I'm single, no kids, live with my mom, and I make over 40k a year. Any suggestions when filling out the application. I could really use the extra money to pay for college. My writing skills sucks, so I can't write a essay for scholarships.P.S my mom in school also don't know if that helps
Get your college degree fast and inexpensively
Added on : Sunday March 31st 2013 05:01:01 PM
Long time on here for me, but I think first time I am starting a thread. I see a lot of posts on here about college costs and many times no degree.
There is a way to get your degree relatively inexpensively from an accredited University. There are 3 different universities you can choose. I am using Excelsior University out of New York. They offer a Bachelors in Liberal Studies that you can transfer any college credits in for. You can also take CLEP tests, DSST tests, and use a company called Straighterline for college credits.The CLEP and DSST tests cost around 100 dollars each for 3 credits if you pass. The catch? Enrollment fees are usually around 1000-2000 dollars. However, for Excelsior, if you join POAG, you get a reduced enrollment fee of 130 dollars. Credits for classes taken is also reduced to 330 per credit hour. You can use FASFA at them. SO for Excelsior, to get the reduced fees, and it does save a lot, you need to take 12 credits, or 4 classes, with them, ut if you do 2 at a time, you can get FASFA if you qualify. Need a degree?? Check into it. Goggle the Big 3 colleges.
Education Help, Stuck Between Rock and Hard Place
Added on : Saturday March 30th 2013 01:00:57 PM
The me preface this by apologizing if this isn't finance related enough.I am currently a student in college (junior on paper, sophomore in real life), having earned 79 credits from this school, or AP credits, or transfers from another school when I was in high school.
I am currently going for computer engineering and have hit a point where things just are not being absorbed in school. I am failing every class but my GE for this semester and it isn't for a lack of trying. I went into this major because I am a tech enthusiast, I like the pay out of college, and because I'd almost be guaranteed a job out of school. I don't know if I'd enjoy sitting in an office all day designing technology as I spend almost my entire Summer outdoors.
I was looking to switch my major to something else but everything that I'm interested in requires a GPA higher than what I have (engineering has killed my GPA) and they require less than 75 credits to transfer into them (thanks to everything transferred from high school, that deadline has passed).
I have been going around to the various departments on campus to try to get an idea of what will happen if I drop classes, fail classes, etc. and to see what my options are but they are seeming sort of bleak at this point.
I refuse to take a semester off because I fear I would never return (and I'm sure my parents wouldn't be too fond of it either). My friend has rightfully called a college degree a "participation award" and there is no way I'm not going to get one.
I really, really dislike my school but attend because it is local and I live at home to save money (the FWF way I guess). I'm stuck between a rock and a hard place at the moment and I feel like if I don't act within the next two weeks, I won't be able to transfer to another school if that is what I decide to do because the deadlines will have passed and my GPA will just drop even lower.
Any advice would really be appreciated as there is a lot going on, the on campus support is not overly helpful, and they are all pretty big decisions.
Thanks.
Financial plan on how to use $37k
Added on : Friday March 29th 2013 01:01:07 PM
I got a 30k bonus this year. Usually, it's only half of this much. Not sure what to expect next year (or the year after that). I also expect about a $7000 tax return (IRS) I have about $15,000 in debt (no kidding). I am inclined to cut that down to $4k. I am dedicated to a debt-free life (getting rid of the debt forever). I need to get the significant other an engagement ring (2 carat or higher only). My best guess is that a good quality ring will be $15,000.I need to save about 60k for college tuition for child (6 years left until college) (and I should probably have money in savings anyway...all depleted)I have this problem every year. I don't know what the best way is to deal with such a windfall.
Any advice? If I pay off all of my debt and buy the ring, I will have $7,000 left. If I leave about $4,000 in debt, I can have $4,000 toward savings. Maybe the question is whether $4000 would be better to get rid of all my debt or put into savings to increase savings amount?Edit: I also have employment related resricted shares of stock that I am looking to cash out on any day now. I expect to cash out on those around $30k or so (which would probably go toward child's college education)
Life insurance-Cash Payout
Added on : Friday March 29th 2013 09:01:05 AM
Many years ago when I was very young my parents took out life insurance policies for my sister and I with the thought that if anything happened to us it would allow for final expenses, but my aunt(insurance agent at that time) also explained that they have a cash value and would help pay for college..... College has came and passed, my parents have gotten divorced and I was asked last week if I wanted to continue this insurance. It's only $10 a month, but I have ample life insurance for myself and my wife at this time. Can anyone on here explain what the "cash value" is? They have been paying on this for about 20 years at this point and I believe it is set to "mature" at the end of the year.Sorry if I am being very vague, but I have very little info myself at this point. I don't want to spend money I don't need to, but I also don't want to walk away from cash.
Banks that show transfers as Direct Deposits
Added on : Friday March 29th 2013 07:00:58 AM
Please don't put this in the old direst deposit post on this topic - that post is from 2006 - nobody will read it, its 2013. The 2006 info is outdated. I know this has been covered in another thread but as I read thru it, it mostly talks about who accepts ING Direct which is now Capital One 360 and PayPal as ACH (DD). But the truth is, after multiple transactions, ING Direct is almost always showing up as a transfer and when you transfer money into them for making the transfer, there's a long hold time esp. when you add in the weekends. To make matters worse, they only allow 2 external accounts assuming you use your regular bank as one to move cash in and out. Another pet peeve I have is they ask you 4 security questions when adding a new account and every time they ask a 4 phone numbers security question and most of the time the numbers are over 20 years old - then you get locked out and have to go thru a security lock out process on the toll free. I checked a phone number I got wrong and it was from when I was in college at 19 years old - I'm 55! Anyway what other banks are folks using? Take into account that we all know that different banks process differently so you'll never have a really high success rate(please don't post an aggressive reply about how impossible it is). I was using HSBC for awhile - you could use any amount of external accounts - really easy to set up - no holds - fast processing - success rate was pretty good but lately all I see are transfers on my online activity - the last 3 as a matter of fact and the bonuses were $150 so I have to look elsewhere.
I've targeted Emigrant Direct - heard good things about them anybody have experience with them? I'm checking with them to see how many external accts, you can have.
I don't want to deal with PayPal - they'll barrage me with other products and reports
There has to be some other banks beside the old ING Direct (which hasn't worked for in my repeated experience and maybe now using Capital One's system) and Pay Pal.What other banks are working? Thanks!
Kindle Books 3/28/13
Added on : Thursday March 28th 2013 03:00:47 PM
Archena mentioned she'd been gone next week, but she may be gone today(?), so I'll start it off and hope she arrives. As always, only guaranteed FREE at time of posting!From Abused Puppy to Beloved Family Member: The Life Story of Jacob the Rottweiler [Kindle Edition]
http://www.amazon.com/gp/product/B005J4Z8OU/ref=oh_d__o00_detail...
Pub. 8/24/11
Follow the life journey of an abused Rottweiler puppy named Jacob to a new life in a forever home and see the effect he had on the couple who rescued him.--------------------------------------------------------------------------------Free Yourself From the Shackles of Clutter: Simple + Easy Methods to Declutter Your Home + Other Vital Aspects of Your Life [Kindle Edition]
http://www.amazon.com/gp/product/B00A8VQQ0E/ref=oh_d__o01_detail...
Pub. 11/16/12Feeling overwhelmed with clutter in your home? Are you constantly losing items due to a messy home? Or perhaps you have clutter everywhere in your office which is affecting your productivity? If you are looking for the most efficient way on how to declutter, then this book is for you. Clutter can negatively impact a person in many ways. From missing items, being less productive and even low self esteem it is essential that you break free from the shackles of clutter. However it may have gotten so overwhelming you may not even know where to begin. Or if you do, it seems that you are not making hardly any progress and dismiss cleaning as a lost cause.This book shows you step by step how you can easily declutter not only your home but many other aspects of your life such as your office, college dorm room and even your mind from negative thoughts. So go ahead and break free of the shackles of clutter and become free to live again with much less stress from having too much clutter. Learn how to declutter and take your life back now!
--------------------------------------------------------------Connected Souls: A Dog Story [Kindle Edition]
http://www.amazon.com/gp/product/B008KRWRF6/ref=oh_d__o02_detail...
Pub. 7/11/12Anytime is a good time to read a dog story! When Karen and Will have to unexpectedly put their beloved best friend to sleep, they aren't sure they will ever be ready for another dog. But when an unusual event happens, they learn there is another dog out there who is counting on them.Based on true events that happened in the author's life, this short story tells the tale of two very different dogs that loved their way into the heart of one family and how, through both life and death, they each formed a bond that would be cherished forever.
-------------------------------Homemade Cookie Recipes The Whole Family Will Love! [Kindle Edition]
http://www.amazon.com/gp/product/B00C0M8FVC/ref=oh_d__o03_detail...
Pub. 3/24/13Homemade cookies are everyones biggest weakness. So if you like homemade cookies, you will love cookie recipes from this book. Simple to
prepare. Rich and decadent, your family will ask you to make these delicious treats often. Homemade Cookie Recipes The Whole Family Will Love! By Heavyn Elizabeth will help you find new, tried and true homemade cookie recipes your whole family will surely love.
----------------------Bread Making Made Easy! A No Fluff Guide To Creating Savory Home Made Bread With Instructable Pictures To Go Along [Kindle Edition]
http://www.amazon.com/gp/product/B00C17MVPC/ref=oh_d__o04_detail...
Pub. 3/25/13Ever wanted to make homemade bread? Now you can! This simple, straightforward guide will show you how to create homemade bread right from the comfort of your home without any expensive equipments needed! Comes with recipes for making popular breads like:- Chapati Bread
- Naan Bread
- Sourdough Bread
- And Many More!(Instructions with pictures enclosed)
--------------------------------------------------35 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine [Kindle Edition]
http://www.amazon.com/gp/product/B00C107L8G/ref=oh_d__o05_detail...
Pub. 3/24/1335 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine. Are you looking for ideas on what to serve with your main course? Try these Slow Cooker Side Dishes! The Slow Cooker RevolutionYes, not knowing what to serve with a main course (or having the time to cook) can be discouraging at times, but you don't have to worry with these delicious and easy to make slow cooker side dishes for chicken, fish, beef or pork.With your hectic schedule, you're just too tired for an idea to pop up in your head, right?Well, in this side dish cookbook you will find a variety of recipes that will make your meal planning much easier - and quicker! I wanted to free up some of time for you by compiling this crockpot cookbook filled with 35 side dish recipes and here are a few I've included . . . - Italian Bean Casserole
- Zucchini & Cheese Souffle
- Baked Cinnamon & Orange Apples
- Spanish Rice & Tomatoes
- Hash Brown Potatoes & Cheese
- Plus many more
-------------------------------------------------25 Simple Salads and Delightfully Delicious Dressings [Kindle Edition]
http://www.amazon.com/gp/product/B00BZQLOCG/ref=oh_d__o06_detail...
Pub. 3/22/13When you think of the word salad do you associate it with the words boring, dull or diet? Many people associate salads with diet foods, believing there is no reason to eat them unless you have to. In reality, a salad can not only be very healthy but also very flavorful! A traditional chicken Caesar salad tossed in homemade dressing and topped with fresh parmesan cheese is anything but boring and a southwestern chicken salad is sure to tempt your taste buds. If you want to take a step toward a healthier diet without sacrificing flavor, try these simple salads!
------------------------------------------------Cake Mix Recipes [Kindle Edition]
http://www.amazon.com/gp/product/B00BUR70QO/ref=oh_d__o07_detail...
Pub. 3/14/13The book contains instructions about baking the delicious cookies, brownies, and blondies. The book aims to give everyone with recipes that are easy to prepare. It also changes the way people understand procedures and easily streamline their entire baking process. *extra recipe at the end of this book from the new book due to release this Spring 2013
----------------------------------------------------------------------------------------------Top 50 Delicious Salad Recipes: Latest Collection of MOST-WANTED, Easy And Healthy Salad Recipes For Both Vegetarians And Non-Vegetarians [Kindle Edition]
http://www.amazon.com/gp/product/B00BMAQZRO/ref=oh_d__o08_detail...
Pub. 2/26/13Kinza Waneeeza has another book about salads in general (and a very successful and popular one at that) but here she turns to bow to vegetarians and offers a splendid array of choices that are restricted to being meatless.Of course, keeping with her penchant for International tastes she begins with Famous Greek Salad with recipes for both the salad and the accompanying dressing, Macaroni Salad, her Ultimate Greek Salad (!), Tomato-Basil Pasta Salad, Tzatziki Cucumber Dipping Sauce, Kinza's Balsamic Vinaigrette, Mock Tuna Salad (a very healthy alternative without forgoing taste), California Pasta Salad, Mom's Danish Potato Salad, Radish-Olive Salad with Mustard Vinaigrette, Quinoa Black Bean Salad, Baby Cos, Pear and Feta Salad, a Vegetarian Quinoa Pilaf, Mozzarella Tomato and Basil Couscous Salad and others."
---------------------------------Relationship Questions: Dating Questions for a Healthy Relationship [Kindle Edition]
http://www.amazon.com/gp/product/B00C08KHU8/ref=oh_d__o09_detail...
Pub 3/23/13Want a good relationship? The secret to a good relationship is asking the right questions in the very beginning. Never fall in love with losers again by really learning how to screen out the weirdos from the beautiful people. Its important to know someone before you get attached to the idea of being with them romantically. This book will give you the tools to really know someone before taking the dive and avoid all the relationship troubles most people go through. "Relationship Questions" has over 600 powerful and fun questions to ask that person of interest to you. Instead of finding out things years later, get to know them now and never be surprised again!Asking the right questions means finding the right person!
-------------------------------------------------------------
Light of a Dog [Kindle Edition]
http://www.amazon.com/gp/product/B00BQYJJ06/ref=oh_d__o00_detail...
Pub. 3/7/13This is a real story, though the names are fiction ones. I'd like to keep some respect to my family members.
Though this short story, describes part of my life, it's not a whole biographical book, but it keeps some of it inside. It's impossible to be aware of not sharing part of my life along my books, when there are so many lessons I learned in just five years. So, here I gave you a clue. My books and novels are inspired always in real events. I inspired them in some of my living stories, but I trimmed them with some fiction too.
This book is an inspiration of my two lovely dogs, especially my new girl Shine who is the queen of the story.
--------------------------------Total Chi Fitness - Meridian Stretching Exercises for Ultimate Fitness, Performance and Health (Chi Powers for Modern Age) [Kindle Edition]
http://www.amazon.com/gp/product/B00BZG7NK8/ref=oh_d__o01_detail...
Pub 3/21/13This book is complete, practical guide from where you can learn ancient meridian stretching exercises that will enrich your life in many different ways. Learning curve is short (4-6 days) and 15 minutes for doing them is more than enough. To learn complete set of Total Chi Fitness exercises and therefore enjoy full benefits they provide, you do not need anything else but this book (next to the detailed description and photos, videos are also provided by the author). Simplicity and great power of Total Chi Fitness meridian stretching is shocking to most of the practitioners who reports about this sort of benefits:These exercises will boost your energy levels strongly. If you do them correctly they will help you fight disease, accelerate your mental and physical performance far better then any artificial booster or 'food supplement' and provide you with dozen of additional benefits.If your body is sick or weak:Total Chi Fitness exercise program will help you to heal faster. Relief from modern diseases and health disorders (back pain, headache, feeling of low energy and weakness, inability to concentrate etc.) are only some of the healing benefits people report experiencing with this program.If you're healthy, hard-working, active in sports etc.:Total Chi Fitness exercise program will enhance the result you are achieving. It will catapult you to dimensions packed with fresh energy resources that you currently don't even know of! "Secret" of Total Chi Fitness powers is simple: originating from ancient Chinese medicine and martial arts, it remained unchanged by thousands of years.
Meridian stretching and techniques of Total Chi Fitness rapidly 'clean' your energy channels from all the blocks and obstacles that slowdown free and healthy flow of the life energy - Chi.
--------------------------------------------------------Writing for The Soul: An Autobiography and Guide for the Broken Down [Kindle Edition]
http://www.amazon.com/gp/product/B00BUTMVPM/ref=oh_d__o02_detail...
Pub. 3/14/13Writing for The Soul: An Autobiography and Guide for the Broken Down is the story of author Dylon J. Serpa's journey through depression. It reveals the ugliness of mental health disorders including raging fits during basketball games, striking ones parent and more. The story also follows the story of a younger teens terrible struggle through depression and how writing therapy allowed her to express herself. The book also doubles as a guide, showing the beneficial components of writing therapy.
------------------------------132+ Delicious Salads, Dressings And Dips (Gabrielle's FUSS-FREE Healthy Veg Recipes) [Kindle Edition]
http://www.amazon.com/gp/product/B00BQTE3PW/ref=oh_d__o03_detail...
Pub. 3/7/13From the jaw droppingly simple to wonderfully inventive creations, you can (re-) inject some healthy magic into your mealtimes. No matter what your food preferences are - omnivore, vegetarian, vegan, raw-food, 'paleo' or meat eater, you'll discover how to transform salads into must-have meals and tasty side dishes. Making sensational salads, delicious dressings and delectable dips is one sure fire way to delight your taste buds easily! Let Gabrielle lead you on your own personal salad revolution! Never be bored with the same old boring salads again. Salads can be the flagship of any meal when you have the know-how. Sometimes it's in the salad itself. Other times it's in what you dress it with. Imagine combining two winning recipes which may very well inspire even the most salad-phobic of folk. Gabrielle shows you:How to create delicious salads, dressings and dips all fuss-free, tried and tested and using easy-to-find ingredients!
How to make even the most often-used salad ingredients taste different, by cleverly preparing your vegetables to vary consistency and "mouth-feel". And what a difference that makes.
How simplicity can make you a winner in the kitchen. Some salad recipes you will learn are beautiful precisely because of their simplicity.
How you don't always need a complex or long list of ingredients to make your creations interesting or delicious.
Many versatile recipes, ranging from simple right through to Gabrielle's famous and sophisticated "super salads" showing you how to use anywhere from a handful of ingredients to a cornucopia of produce, all with spectacular result.
It's no secret that eating fresh (mostly) raw vegetables is one of your keys to vibrant health. Join the growing wave of people who believe fresh food should be our medicine and make the transition away from "packaged and processed foods" easily by eating more salads.Gabrielle Raiz is also the author of the best-seller "Green Smoothie Magic". In this 200+ page volume she brings you well over 132 easy-to-prepare, fuss-free Salads, Dressings and Dips that will refresh your senses day in and day out ... deliciously!
-------------------------------Eat to Beat Stress: 10 Super Foods to Prevent Major Symptoms of Stress
http://www.amazon.com/gp/product/B00AS074VA/ref=oh_d__o04_detail...
Pub. 3/21/12Leah Borski is a work-at-home mom, family nutrition enthusiast, fitness & wellness Coach, and TheFamilyTableCookbook.com author/blogger. In Eat to Beat Stress, she lays out a simple and direct guide for using food to defeat five major symptoms of stress. Research shows that when people feel stressed, they reach for food. The trouble lies in the types of food sought out during these times. Studies have found a tendency toward fatty, high-sugar foods, which throw off the bodys ability to function effectively and essentially drive people into a vicious cycle of compounded stress and poor eating habits. Eat to Beat Stress demonstrates simply the mechanics of such a pattern and provides a fast-track to breaking it with 10 nutrient rich foods - including protein foods, grains, and fruits & veggies that specifically target 5 major symptoms of stress. In this booklet, readers will find an easy-to-use list of superfoods with a brief description of each foods stress-fighting benefits, photos, serving ideas, shopping tips, cooking instructions, make-ahead tips, recipes from The Family Table Cookbook website, and a sneak preview section of family-friendly recipes from the upcoming publication The Family Table Cookbook: Cook Smart, Stress Less, Eat Better...Together. Each delicious recipe is quick to prepare and includes specific serving tips and instructions for babies and kids (8 months of age and older) so that everyone in the family can easily benefit from the powerful nutrition and stress-busting qualities of these foods.  ]
I need help with automobile insurance claim
Added on : Sunday March 24th 2013 09:01:11 PM
STORY:last Wednesday i was driving home from work. approached a 4 way stop sign and stopped. i was heading eastbound. Another driver, whom stopped second, was heading west-bound (same road) both single lane roads....no passing. Okay, so i proceeded through my stop sign and i was about halfway into the road when all of he sudden a truck heading northbound blew his stop sign, doing 45, and railed my truck. i was pushed into the tuck that proceeded from his stop (the one heading westbound) and sandwiched. I filed my claim and we got the police involved, ofc. it was a very bad accident and all 3 cars got towed. the at-fault driver ha his truck totaled as is mine. That night i called his insurance company and he hasnt filed ANYTHING. HA! well, i give him the benefit of the doubt. Today is day 5 and he has yet to even contact his insurance or give a statement. I have no rental. I am going through his insurance because i shouldnt be paying a deductable, he was the moron who blew a stop sign. im a college kid who doesnt exactly have that kind of money laying about..anyways, at this point if he does not record a statement what can i do? i mean- when can i sue this loser and light a fire under his ass? His insurer is State Farm and i live in PA. im not overly familiar with the state laws so enlighten me. Time is of the essence. Please tell me how this process is likely to turn out. It sems, that he is just going to keep is head buried in the sand hoping it all goes away. I was told by State Farm that there is nothing they can do without a statement..
https://www.facebook.com/Xfinity4College/app_335945729840074promo over but they have been listing new ones for this every couple of days
https://www.facebook.com/Xfinity4College/app_335945729840074
Free game of thrones viewing party kit for college students
Added on : Sunday March 24th 2013 03:00:51 PM
https://www.facebook.com/Xfinity4College/app_335945729840074
Taking over a automotive lease-Need Advice
Added on : Saturday March 23rd 2013 01:01:04 PM
I am graduating college in May, and I need a car afterwards for job search/ work. I looked at used cars, but it seemed to be cheaper to take over a lease especially since my situation may change relatively quickly (graduate school, moving out of country, etc.). I have looked at leasetrader and swapalease, but they seem to be a rip-off. They charge buyers and sellers money upfront to obtain contact information with little value provided besides aggregating the listing to a central site. I have been using the leasetrader to look up vehicles within my price range, and cross referencing CL postings for similar vehicles in those regions. I read some postings about taking over leases in this forum, but has anyone actually done this with success? What are some things to watch out for and common mistakes people make? I have read that having a dealer perform an inspection is recommended, but what does that extra $150 do when I could look myself for excessive wear or cosmetic damages? Unless red flags go off in the early stages (seller really motivated to off-load the lease at any costs), I don't see a problem with maintenance problems/ quality issues because people have a greater incentive to maintain their leased vehicles. Doing a vehicle inspection right before they turn over the keys makes more sense to me if that is how it is arranged.
[Mail Offer - Targeted(?)] AMEX Blue $250 Reward Dollars for $1K spend
Added on : Thursday March 21st 2013 10:01:06 AM
Received an AMEX Blue offer in the mail yesterday for a $250 "Reward Dollars" after $1000 spend in 3 months. I just opened a AMEX MR card (50K pts for $1k spend) about 4 weeks ago so it seems funny that I am getting another offer from AMEX. Wanted to share this offer and then wanted to know if it was okay to open the Blue card and do that credit as well. I didn't look at the fine print on the mailed offer b/c I was busy watching college basketball yesterday
Been looking for a new machine to replace the one I gave to my daughter for college. Found this SodaStream 'Fizz Mega Pack' on sale at Sam's Club this week! Also noticed it is available online here: http://www.samsclub.com/sams/sodastream-fizz-mega-pack/prod83500...The kit includes:
Fizz machine w/ Patented Fizz Chip Technology to monitor gas and fizz levels (great to know when you have to get a CO2 refill)
12 ct Variety Flavor Pack
1 liter BPA-free bottle
2 60L cylinders (will make 120 liters worth of soda before you need a refill) Regularly $129.99 on sale now $99.99SodaStream is selling a Fizz Kit on their site, but with only 1 CO2 for $129.99, here: http://www.sodastreamusa.com/Fizz-Seltzer-Starter-Kit-P298.aspx If you are a fan and avid user, you know this is a good deal for a brand new kit! Not to mention, there is often a $20 MIR floating around there that could make this deal even hotter.(I'll be on the lookout)
Sams Club Coupons
I've been doing reading all weekend about whole term policies. The consensus seems to be - bad investment vehicle, too expensive for insurance, a possibly good tool for really rich people for estate planning. I recently inherited 3 policies that my dad got on my when I was 6 - I am now 36. Ignoring whether or not it was a good investment of my Dad's (as that cannot be changed), in my shoes I have 3 policies (two 65 Life and one whole life) from NW mutual. The annual premiums combined are about $600. The net death on the 65 Life are about 50k apiece, the whole life is 25k (and seem to rise with age). The kicker - he took some loans out of them to help pay for my college (which seems to be one of the things they tell you when they sell you these things). If I kept them, I would probably pay off the loans (which I can comfortably do) with my HELOC to get the interest rate down from 6% to 2.8% and use them as life insurance - i.e. leave them til I die and my wife or child would receive them. Although it does seem from my reading that at some point the cash value = net death. I realize that whole term is not something 98% of people should ever get and I don't believe I fall into that category of very wealthy that might need them, but if you 'inherited' them after 30 years of payments on them, are they worthwhile? If so at what percentage of cash value/loans should you bail? Should I just get a chunk of term first, cash them out and invest that plus the premiums (seemingly the consensus, but I'm not sure if my situation of taking them 'mid stream' changes things)? I've read these policies don't become worthwhile until after 30 years or so, keep in mind I never made any of those initial payments. I certainly do not trust the NW mutual agent to ask these questions to. I have some projections that show the growth, but those are from the NW mutual agent and I'm sure are a rosy best case scenario.Little help from those much smarter than me on this matter is appreciated
Lowrance LWX-1 SIRIUS Weather/Radio Module
Get a $99 Visa rebate with activation of the Sirius weather plan High-resolution, current weather radar images
Pinpointed lightning strikes
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Dimensions: 4.87"H x 3.63"W x 1.63"D.
Weight: 1.6 lbs.
Link to the deal...Rebate information if you get the Sirius weather plan.
February 13, 2013
SiriusXM $99 Rebate
Buy an LWX-1 for $99 and get a $99 rebate from SiriusXM when you purchase a qualifying SiriusXM Marine Weather subscription
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Cabela's Coupons
Definitive FAQ for App-O-Rama newbie
Added on : Friday March 15th 2013 06:01:20 AM
Hey guys, I am a AOR newbie and I want to find out where I can read everything about the 'apply-for-credit-cards-to-get-bonus-rewards' game. I am in this for the long term and I want to maximize my long-term earnings. I am a college senior with five cards now (Discover student, Boa Cash Rewards, AMEX premier gold, AMEX Delta, Citi AA). My credit score is 729 on credit karma. I am thinking of applying to say 8 more credit cards soon to get the benefits. My thoughts are 'what's stopping me from doing this'. However, I know I may be not aware of some consequences. I am thinking of applying to maybe 3 chase cards, one more AMEX card, one more citi AA, the southwest rapid rewards cards (these were taken from mostly the points guy blog)I am also an international student so I am looking for cards which I can exchange for international flights. I mostly plan to sell half these points and convert to cash, and use half for traveling. I would really appreciate some advice or links to readings or good FAQs that can help educate me.Thanks,
wezx
Should I Re-negotiate Job Offer? If So, How?
Added on : Wednesday March 13th 2013 05:01:00 AM
I'm a recent college graduate, unemployed, and live with my parents.
I received my first job offer in writing today.Salary.com & Glassdoor reports a median of $57,000 ($27/hr) base salary for this sales position.During the interview, I gave a weak (in my opinion) negotiation on my salary. I was asked how much I was looking for and I suggested $27/hr based on market research for this position. They countered by saying that they were only planning to offer $14-$18/hr. I responded with an offer of $20/hr ($42,000 salary - bottom 10th percentile) and they accepted. Now that I have the offer in writing, I'm having second thoughts of whether I should have been able to negotiate higher. Should I re-negotiate? If so, how?Pros:
Short commute
Interested in career path
Performance evaluation in 6 months (pay raise?)Cons:
No health, dental, or vision insurance.
No 401K or any retirement plans.
1 week vacation + 1 week sick days don't kick in until after 1 year of employment.
No commission until 6-month training period is over.
At-will employment (can be a pro? No idea)
Didn't see any pretty women working there.Thanks.
Getting mortgage for a condo (gt; 50% rental property)
Added on : Wednesday March 13th 2013 12:01:11 AM
I am a college student and I am trying to purchase my first home (condo). I am new to all these mortgage things. So, I thought could get some tips here from you guys. Sorry, the post is quite longI have been trying to look for a mortgage company with the lowest closing fee (more important) and rate in Central/Clemson, SC region. The condo is about $70k, and I'm planning to put 20% down (I can afford 30% down as well). So, I only need to get $55k loan. In the area, there are condos (1,334 sq ft) and townhouses (1,550 sq ft). I was told that even though it's a townhouse, I don't really own the land since it is connected to the other unit. The prices between the two are quite close. What would be a better option? I personally prefer the townhouse one since it is supposedly bigger and no one lives above your apartment. Condo
http://www.zillow.com/homedetails/148-University-Village-Dr-APT-...Townhouse
http://www.zillow.com/homedetails/205-Campus-Dr-APT-B-Central-SC...
I got excellent credit (>760) as reported by creditkarma.com. Now, the problem is most of the condos in that area are rental properties. So, not many lenders are willing to provide loan for such unit. The other problem would be due to the small amount of loan ($55k). A lot of lenders require a minimum loan of $75k or so. I found two mortgage companies (BBT and Blue Ridge bank) that are willing to provide such loan. However, the rate ranges from 4.5-4.75% with 1% origination fee and $750 lawyer fees (BBT will waive appraisal fee). These are the best choice I got so far (I've only looked for several). I don't want to start the pre-approval process yet since these lenders will do hard inquiries which will hurt my credit. I heard that I can apply for several pre-approvals with different companies within 14 days and be counted as just one inquiry. Is this accurate? Is there a limit to how many I can apply for within the period? How much will my credit score drop? How long will it get back up?I plan to pay it off within 7 years or so (large sum towards the end after I graduate and got a nice job), so I prefer one with the lowest closing fees. But, I want to apply for 30 years fixed rate for now, just in case if I face financial difficulty in the future.I've only been calling local banks to ask for the rates and etc. I thought there might be some credible mortgage companies online that could provide better options for me. Do you any of you guys have any good experience getting loan from online mortgage companies? My case is a little more difficult since it's a condo with mostly rental properties.
Is there a way to do this?This collection has dropped my credit score by 200 and I need to get this up ASAP! (getting a car soon)I did not pay tuition for my last semester which was a year ago, and I have since moved to a different state.Wasn't the school supposed to send a bunch of notices in the mail, before sending the charge to collection?I did not receive any of those, at both old and new address.
I know FWF loves followups, so here is mine from http://www.fullofdeals.com/forums/finance/1125911/Recap: Young child is injured at daycare. Conflicted on what actions to take. FWF opinions ranged from "get over it" to "lawyer up."We lawyered up. It took until now to get final resolution and the result is a settlement. I can say that the entire process was boring and painless - our lawyer went through the motions with the insurance company and they finally agreed to an amount of around $100K.The daycare didn't bat an eye - I'm not sure any of the workers even knew about it, apart from the corporate office (who, as I mentioned briefly, actually urged me to file an insurance claim). The safety issue was removed, along with other safety improvements.I'm now faced with a dilemma in how to handle the settlement. I told my attorney my intention is for the funds to go to my daughter with no possibility of my, or anyone else, being able to touch it. I trust my wife and I, but not anyone else were we to no longer be in the picture. The insurance company has presented several settlement disbursement scenarios, with varied amounts, years, and types (monthly, annual, lump sums, mixtures). My attorney tells me that only A+ rated institutions ie. Prudential, etc are considered. As I understand it, I don't have any say in the underlying investments; The payout amounts are guaranteed so it looks like the funds earn modest interest that looks to counteract inflation.IE, One suggested plan is for a 1/4 split along four years starting at 18, for college: $36K per year for four years.
Another includes a $20K per year payout for four years, then monthly payments until funds are depleted.
Another has $30K at 18, 40K at 24, and 50K at 28.My question, for those that have dealt with structured settlements for a minor:Do I have any choices in the way the settlement is invested? Should I even explore those, considering there is higher risk?
Are there any questions I should be asking? The final amount was agreed on and I'm being presented with a list of disbursement options, wondering if there's anything else I should looking into before picking an option.
How can I best protect this amount, from myself (assuming my future self becomes crazy and greedy), some other guardian, and my daughter?That leads me to a less 'finance' oriented question. My daughter is 5 yrs old. I will raise her with every ounce of commitment possible, and hope she will grow into a responsible, prudent, and financially wise young lady. I'm also a realist, and know that there is the possibility she will not be those things despite my best efforts. Further, I have had some insight into the damaging effects of a windfall, like an inheritance, on a young person's life. My origins are from very meager, poverty-line means, and I believe that history is responsible for much of my current success. I don't believe in handouts, yet I'm also intrigued at the prospect of giving my child such a substantial advantage, especially in the form of potentially a free education.My knee-jerk reaction was "100% payout at 18, which she will use for college and invest in a solid portfolio". But I will have no legal authority over those funds, and she is not me, so the prospective pitfalls with such a plan are probably obvious for this crowd.For those that are wondering, she's doing great - beautifully healed, happy and healthy. She will require scar remediation at a later age.Any advice or knowledge transfer is much appreciated.
Failure to Launch: Advice requested
Added on : Saturday March 09th 2013 04:01:08 PM
I have three offspring
Offspring #1 is in mid twenties, employed 2+ years, salary in high 5 figures, secure job in tech field, 401k contributions above min for company match, buying company stock at discountOffspring #3 senior in high school, accepted so far at 5 of 6 top tier colleges (waiting on #6), pursuing engineering, potential for full ride academic scholarshipOffspring #2 (OS2) is the challenge. 4th year in college, early twenties, perhaps 2 1/2 years of credits, is now academically suspended. We moved OS2 belongings back from college yesterday. Was pursuing international relations degreeOS2 is probably the smartest of the 3. (OS1 had been on academic probation during college years, but turned it around)OS2 has started counseling (again) - and has previously had severe depression . We have told OS2 needs to get a job, and has two months to begin paying us rent.
OS2 says is looking, but hard for me to tell, and I know jobs are scare for low / no skillOS2 does not have own car. Have previously told OS2 that our financial commitment to help with college ends after 4 years, so there should be no expectation of coming back for money to try college againObviously I want OS2 to succeed, but don't believe I should be open checkbook. What am I looking for from FWF
1) Should I be separating, legally, in some fashion, a seperate financial entity for OS2. I will not cosign a loam, nor do I want to be considered on FAFSA if OS2 decides to go back to school one day. If so, how
2) What is a fair way to establish rent amount? Should I be putting it aside for OS2 to "return" to OS2 when OS2 is ready to move out? Should I tell OS2? Or leave that to move out time?
3) What else?PS
I have decided not to create an alt-ID, as I believe my previous post history establishes a context for who I am that may be relevant, but am seeking to maintain anonymity. Including not using gender specific pronouns like she and he. I have not used the word "child" or "adult child" to describe offspring - because in previous posts, the "younger set" somehow viewed that term as meaning that I did not see offspring as adults. In any case, please read OS2 as nothing more than a non-gender specific labelPPS. Beginning late Monday, I will be on an extended business trip, so there may be delayed responses. This is not lack of engagement on my part, but rather, other time zones and long flghts
Went to the local store in State College, PA and Sams Club is running a Waived activation fee and upgrade fee offer till this Sunday March 10, 2013 only.
They carry the Samsung Galaxy Note 2 for $198.88 with a qualifying 2 year agreement from AT&T. This is the cheapest you are going to get from AT&T although Sprint has been offering the same for $79.99-$99.99.
LINK
Sams Club Coupons
Help me pick a credit card with a bonus, quick! Big expense coming up.
Added on : Thursday March 07th 2013 10:01:08 AM
Ok I have a deal with my son's daycare that if we pay for the entire summer in advance, including all the swim lessons, field trips, etc. that they will give me 10% off.
Since his daycare runs about $200 a week and summer is about 12 weeks long, that runs me about $2400 and saves me about $240. I think they only take MC/Visa.I typically just write them a check but started thinking, hey there are so many credit cards out there that want you to spend X amount of dollars in the first month, or 3 months to get some great bonus. We have done this before with the Chase Sapphire card (don't have any longer) and with the Chase Marriot rewards Chase card (still have it but downgraded from the annual fee version).
I also have a Barclays card I'm getting ready to close/convert as well as a Citibank Preferred card, ditto. I also have a Discover card, same one since college (1988!) and an AMEX Delta Skymiles card we hardly ever use but Delta is our main carrier in my airport so we are saving for a rainy day. We like to travel but prefer to drive than fly. We really don't want too much trouble, like converting strange miles to points to dollars to Cash Back etc. Would prefer a card with a quick Cash Back or statement credit for spending about $3000 in 3 months, max. Never had a Capital One Card, never had a card with any other banks. So, what is out there and what do you recommend. What would pay in cash, Chase Points or maybe, Marriot or Delta Skymile points or be convertible to either? I have a 840 credit score, no open loans except small mortgage, just finished a 0% interest Toyota loan, 0 balance on all these cards and a net worth of over 250k. I can qualify for just about anything. Please point me to some good deals! I checked the threads and a lot of the links are expired already, like the Barclays card is not $400 or $500 anymore, it's just $200. Any help appreciated.
Tax Help - Cost Basis for transferred DRIP acct.
Added on : Wednesday March 06th 2013 06:01:39 PM
Hi,I was hoping someone could help me decipher my tax situation. I liquidated some DRIP accounts last year to invest in something else. Up until high school, my parents took any money I got through birthdays/holidays/odd jobs and stuck it in DRIP accounts, in their own names. In 2011, after my college graduation, they were transferred into my name. How do I calculate the cost basis for these? Is it based on the stock value at the time of the name transfer? Or is it based on the total cash used to purchase?Thanks!
529 plans...advantages while minimizing disadvantages
Added on : Wednesday March 06th 2013 03:00:58 PM
This is long, but hopefully worthwhile.The purpose of this post is to discuss how to take advantage of the benefits of 529 plans while minimizing the disadvantages. I am absolutely looking for feedback here. I am knowledgeable, but would not consider myself an expert. By posting here, the idea is that it may give others some good ideas, and/or have others improve on the ideas listed here and/or correct any information if it is wrong or misleading.Financial aid implications are based upon the FAFSA (Free Application For Federal Student Aid) http://www.fafsa.ed.gov/ formula.Advantages of 529 plans:
1) Possible state tax deduction
2) Money grows tax deferred
3) Money is tax free if used for qualified higher education expenses (QHEE)
4) Money is generally out of the estate of the owner and escapes probate
5) Accelerated gifting can be used. This allows one to do 5 years of gifts at one time. A husband and wife combined could gift $140,000 into a plan without eating into their lifetime exemptions.
5) If the 529 plan is owned by a dependent student, it gets counted as a parental asset instead of a student assetDisadvantages of 529 plans:
1) If it is not used for QHEE, the gains are all taxed as income.
2) Depending upon the reason why it is not used for QHEE, it may also be subject to a 10% penalty.
3) It is a countable asset for financial aid purposes if either the student or the parent owns the plan. This is true even if the beneficiary is not the student.
4) If someone other than the parent owns the 529 plan, it is not a counted asset, but it will be treated as student income the year after it is used.Let's keep in mind that this isn't about whether a 529 plan should be used as opposed to HOW it should be used when one makes the decision to use one.Here's an example of a 529 plan without the benefit of actual planning: "Jim" opens up a 529 plan. He has two children. It is funded with $100,000 and it grows to $150,000.
1) Jim needs $25,000 to pay for something having nothing to do with QHEE. He takes an unqualified withdrawal. Withdrawals are proportional between basis and gains. He would owe taxes and penalties on his $8,250 gain. If he pays a combined 30% state/federal tax, the distribution will cost him $2,475 + $825 penalty =$3,300.2) At some point, he puts back in that $25,000 and it is again worth $150,000 and it does get used for QHEE. When they apply for aid, this $150,000 asset can increase his expected family contribution (EFC) by $8460 ($150,000 x .0564).
Here are some general possibilities of things that can be done to negate the disadvantages:1)Underfund it instead of overfund it.
2)Set up multiple plans.
3)One plan should take advantage of the state tax benefits.
4)Each plan should be invested very differently
5)Allow a very trusted relative to be the owner of one of the plans.Here's an example of how proper 529 planning can negate the disadvantages:Jim is still going to fund 529 plans with $100,000 and it will still grow to $150,000. Instead of opening one plan, he opens up four plans with $25,000 each. Each plan is invested very differently.
529 plan #1: Jim owns it: Grows to $40,000
529 plan #2: Jim owns it: Grows to $45,000
529 plan #3: Jim owns it: Stays at $25,000
529 plan #4: Jim's dad owns it: Grows to $40,0001) Jim needs $25,000 to pay for something having nothing to do with QHEE. He takes an unqualified withdrawal from 529 plan #3. There is no gain, so there are no taxes and no penalties.2) At some point, he puts back in that $25,000 and we will keep calling it 529 plan #3. Jim and his son are going to fill out the FAFSA in February or 2013. His son will be attending school starting in August of 2013. In December of 2012, he takes a non-qualified withdrawal from 529 plan #3. There are no taxes and penalties since there is no gain. He takes the money and puts it into an uncounted asset (pay off his house, annuity, etc.)He changes the beneficiary of 529 plan #2 to his daughter. He then changes the ownership to her making it an UTMA/529.In January of 2013, he cashes in 529 plan #1 and puts the money into an uncounted asset529 plan #4 should be left alone.For FAFSA purposes, the $150,000 is now $0. 529 plans 1 and 3 no longer exist. 529 plans 2 and 4 are not counted assets since neither Jim nor his son are the owner. If the QHEE end up being $40,000 or less, the withdrawal from Plan #1 is qualified and there are no taxes or penalties. If, for example, the QHEE is only going to be $25,000, $15,000 can be rolled back into a 529 plan within 60 days and there won't be an unqualified withdrawal. I don't know if it is Kosher to remove money from a 529 plan and then put it back in to avoid it being counted. If it is not ok, 37.5% of the gain would be taxable and subject to penalty. ($25,000/$40,000= 62.5% basis and 37.5% gain) The gain is $15,000 ($40,000-$25,000 basis). $15,000 x .375 =$5625 non qualified withdrawal = $1,687 taxes + $562 penalty = $2250. (Better alternative: just remove $25,000. This would leave $15000 in countable assets. Impact on EFC: $15,000 x .0564 = $864.The end result due to Jim's planning is that he still received all of the benefits of 529 plans, but none of the disadvantages. The money still grew to the same amount. He still got whatever upfront tax breaks were available. The money still grew tax deferred. It is still tax free for QHEE. He saved $3300 in taxes on his early distribution and his college costs may be more than $8,500/year less.
Feedback?
For employees of eligible organizations (Long list below), proof of employment required.Price w/o phone $29.99/mo, I got it a few days ago (did not yet get the bill), free installation (you might have to call customer service later to waive any fees that appear on the bill), no contract. Price guaranteed for 36 months. A $9.99 broadband processing fee upon disconnection of service applies.The Wifi router it comes with has an amazing range.http://www.frontierforhome.com/affinity/From the site:
Through our FLEX Program, if you work at one of the many large employer Eligible Organizations, youre entitled to exclusive offers and discounts on select Frontier services.*Get FiOS Internet up to 15Mbps for just $19.99/month with qualifying phone bundle. No contract required. 3-year price guarantee. Call today for details!Eligible Organizations:
Aerojet; Alcoa; AT&T; Battelle/PNNL; Bechtel; BE Meyers; Boise Cascade; BP Cherry Point Refinery; Central Washington Hospital; CH2M Hill PRC; City of Everett; City of La Grande; Community Colleges: Cascadia, Bellevue, Everett, Shoreline, Edmonds; Con Agra; Costco; Darigold; Digipen Tech School; Eastern Oregon University; Eddie Bauer; Edmonds School District; Energy Northwest; Everett Clinic; Federal Government; FEMA; Fluke Danaher; Fluor Hanford; Fred Meyer; Google; Grande Ronde Hospital; Group Health; Haggen, Inc.; Honeywell; Island County; Janicki Industries; Kadlec Medical Center; Kennewick General Hospital; Kennewick School District; Lake WA School District; Lake WA Technical School; Naval Air Station Whidbey Island; Nooksack Tribe; Nordstrom; Northshore School District; Northwood Industries; Panasonic; PeaceHealth; Philips; Providence; QFC; REI; Richland School District; safeway School Districts: Everett, Redmond, Mukilteo, Marysville, Stanwood, Lake Stevens, Mt. Vernon, Ferndale, Oak Harbor, Sedro- Wooley, Burlington, Coupeville; Skagit County; Skagit Valley College Skagit Valley Regional Hospital and Clinics; Snohomish County; State of Oregon; State of Washington; Stemilt Growers; Stewart Title; Swinomish Tribe; Terrex; The Markets, LLC; Town Auto Group; Trident Seafoods; Tulalip Tribe; Union County; Union County School Districts; Union Pacific Railroad; UPS; URS Washington Division; UW University; VMC; Volt Technical; Wal-Mart; Washington Closure Hanford; Washington River Protection; Wenatchee Valley Medical Center; Weyerhaeuser; Whatcom County; Zones;
I am a recent college grad, moved back home with my parents, got a job paying 45k. It just doesn't seem possible at all making that amount to move out and pay for rent and all other expenses, even with roommates. It appears that rent is at a minimum, $1,000 per month with roommates in the bay area. How are young college grads able to afford this without living paycheck to paycheck? Should I try taking on a second job or creating some sort of online business on the side? It seems like one has to make at least 60k to be able to live somewhat comfortably with roommates in the bay area and be able to contribute to a retirement plan/savings plan. Do you have any advice for a young person trying to make more money? Thanks!
What to do with an unneeded 529?
Added on : Sunday March 03rd 2013 05:01:08 PM
Child will be entering college in the fall and may be in a "free ride situation" 529 is in excess of $105K on a basis of $65K. There are no other children who are likely to need it, and no grandchildren at presentSeems like my alternatives are
1. I believe that I can have the money withdrawn from the 529 to the extent that is the same value as academic scholarships. This, I think, avoids the 1% withdrawal penalty, but is subject to ordinary income taxes. Not clear to me whether the funds withdrawal goes to the parent or the child
2. Hold it as is for future unanticipated educational needs changing beneficiaries as appropriate
3. Use it explicitly for estate planning but I am not quite clear on how this works. I do know it passes outside the estate, but do not understand what the new custodian should be or how it is treated for tax purposed
4. Something else?I am in relatively high tax bracket and am subject to the AMT. Spouse and I are in early 50s. Other than Social Security (if any), retirement will be paid for out of entirely our own assets. 401k has been funded to maximum amount (plus company match) for almost 30 years, although most of it is a rollover (pretax) IRA.
Question
1. Is my understanding of the options I have correct?
2. Are there other alternatives?
3. What should I be thinking about as far as pros and cons?
What s
American Eagle clearance 40% off plus 15% off with coupon
Added on : Monday February 25th 2013 02:00:04 PM
American Eagle has their clearance 40% off plus you get an additional 15% off if you use coupon 27450901. If you're a Shoprunner member you'll get free 2-day shipping. Note that the college/pro clothing is not eligible for the discounts which stinks.American Eagle
Saving for College: Reality vs Myths - FW Parents please weigh in.
Added on : Monday February 25th 2013 09:01:05 AM
I've read these boards on college savings and what I'm missing is actually mom and dads giving examples of how 529 plans turned out bad for them. My impression after reading all these threads is that 529 plans are not great if taken out by the parent, so my question is what about having the grand parents put the 529 plans in, will that help. I know there's not a perfect answer to pay for college but my situtation is I have a 3 and 6 year old and I haven't started saving at all. I jut found out about the Coverdell and will start doing that as they will most likely be going to private middle/high school. But with college 10 years away and me not having saved a penny (HSA and 401K is maxed and no mortgage on house were the priorities first). I now am focused on making the right decision today for 10 years from now but reading these threads have me doubt setting up the 529 plans as it sound like I make too much money (approx $250,000 anually). But it being tax free seems like too good an option to pass up. Still financial aid/tution help is better than 529 advantages so I don't want to make a mistake that costs me financial aid in the future. I've always benefited from the advice given on these boards but this is the first time it's been counter (don't do 529 plans) than what I've heard or read elsewhere. I'd appreciate fathers and mothers who have gone (recently) or are going through the process to weigh in on 529 plans on give advice on what one should do in my circumstance (38 years old)Thanks in Advance
Going to look at some property this weekend. What Q's should I be asking?
Added on : Wednesday February 20th 2013 07:00:57 PM
Saw an ad on the bulletin board at a grocery store on my way home when I stopped to pick up a few things for dinner. Someone has a lot for sale in a private Lake community nearby. $1000 for a lot piqued my interest, so I gave them a call. I'm wanting to sell my current home because I'm about 65 miles from work. This would put me at about 35 miles from work while still being in a very nice, safe, rural area.
So far the info I have is -Its 1/4 mile from the Lake
Water, Sewer and Electric at the curb, but nothing hooked up.
Its JUST a lot.
Roughly 1 acre. 225 feet of road frontage.
No Liens (but I'd run a title search of course)I'm going to go talk to the guy and take a look at the lot with my wife on Sunday.At this point, what questions should I be asking?

Average taxes?
What type of deed (warranty vs. Quick Claim)
HOA docs
What sort of restrictions does the HOA have on buildings?I'd really like to put in a modular home. Under $100k for a nice house on my lot seems appealing. I've been to this community before, I dated a girl for a few months in college that lived there.
Its pretty clean, nice little lake, nice neighborhood, etc.I have no clue why he's selling so low. $1000 for an acre, even in the mid-west is crazy. There has to be something wrong with the property, or taxes, or a lien.But maybe I'll get lucky.So yeah. What questions should I ask this guy? And what should I go in prepared with?
Update: Need some advice from older people (since im 25 now)
Added on : Monday February 18th 2013 11:00:57 PM
Original PostWow does time fly. Its been a while since Ive been on fatwallet. I just wanted to get some more opinion's and give an update. Here is my message for those too lazy to click Date Posted: Sep/11/2006 9:00 PM
Im 25 now, make around 60k, single. I have about 8k in CC loans at (2.99 apr), 15k in school and about 10k of car loans. I have about 3k in savings in 3k in stocks. I live at home but do pay part of the mortgage, about 800 a month. Ive been telling my self I have till im 30, to have fun, try to get rich, etc. I just feel instead of being at or around where a 30 year old should be in terms of stocks, cash etc im more around a 22 year old. TAXES ARE KILLING ME
Should I be more concerned about paying off my bills or playing around with stocks, I dont plan on getting married anytime soon.
I just think in this day of age with all these open doors you have no reason not to have your wallet padded.
Looking for some guidance, I just dont wanna look back 10-15 years from now and fell I didnt try hard enough or didnt take enough risk in trying to get to that 1 million dollar figure.
Please note since then I have bought a house with my parents so I do get back SOME money from the IRS but nothing near what they take.
Here is an update:Now I'm soon to be 32, Still single, still own the house with name on title. Sadly we paid somewhere around 380k back then, I just checked the value and it's estimated to be worth around 240k. I was laid off from that job around 2010 and was able to get back into my industry in Sept of 2011. While unemployed I used up all my savings, maxed out my CC to pay bills and came within a month of tapping into 401k. Thankfully I know make 120+ a year and can feel my life is starting to go from red to green. With that said here is where I stand financially.CC debt is around 18k
House mortgage is around 300k
College loan is 10k
401k is about 40k
I have about 2k invested in lendingclub
2k in savingsMonthly check after 6% 401k is around 7k
-2000 taxes, help with parents mortgage -2000, leaving me $3k for rent, food, cable, phone, gym, etc with anything left over going towards savingsGoal for Dec 2013 is to be 1) Pay off CC and a good chunk of college loan. Also my current car is over 10 years old and is on its last leg. Its currently in need of about 4k in repairs so I might as well get a new one. I am debating between buying or leasing a hybrid. With gas going north of $4 a gallon I think it would be a wise choice to go with hybrid. I estimate this will cost around $300 a month.My question for the forum is what should I start thinking about once I have paid off the CC and college loan? I'd love to buy some real estate and put it up for rent but I think at my age and with upcoming expenses (marriage, kids in the next 5 years that might be hard to save up for)
Taking out home equity loan to pay for student loans?
Added on : Wednesday February 13th 2013 04:01:23 PM
Here is our situation. We own our home outright. Appraised at 382K last summer when we bought it. The reason we are able to own our home right now is that we were extremely fortunate and my parents bought the house for us outright with cash. They are extremely well off, and I have never asked my parents for any money, so they did this for us. Since I was 18 I have never asked or taken any money from my parents, worked hard through college and grad school to fund my own education, so that I graduated debt free. However, my wife has about $145k in student loans (mainly due to graduate school), at 4.85% currently. Min payment is about $900/month; my wife has actually been paying down approx $3k per month. Last year, she paid about $8k in interest on the student loans. Currently, we are living quite comfortably. Our combined gross annual income is right about 300k. We are both maxing out our 403bs and 457s (instead of 401k because we work for the same government institution). We have about 120k saved in our liquid emergency fund. Our jobs are both quite stable (like I said, we both work for the same government institution), and we could easily just pay the minimum on her loan and forgot about it for the next 20 years or however long it takes to pay it off. However, like I mentioned, I was always careful with money and even though I have a well paying job now, I still try to maximize rewards/minimize interest payments. Im lucky that my familys wealth did not make me a spoiled brat, unlike some of my cousins. My question is, should we take out a home equity loan to pay for the student loans? If we borrow about 140K, and repay over 5 years or 10 years, Im guessing I can get a rate between 2.5 to 3%. That would make our monthly payment in the $2500 range for the 5 year option and $1500 for the ten year option. Remember, my wife has been paying down about 3k a month anyways.
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Yet another request for buy or rent advice!
Added on : Monday February 11th 2013 01:00:59 PM
Hi, super-longtime lurker coming out of hiding here.I have three young kids, a husband in medical school, and 50k in liquid investments. My goal is to keep as much of that as possible. Since hubby's started med school, we've dipped into our investments and already burned through 50k. I need to find a way to hang onto what we have, and make it work for us. I don't want to end up a couple hundred thousand in debt right before my kids start college.I've been studying real estate investing, and think this may be the way to go. I'm in Atlanta, and in the current market I could use the investments to buy a home (or a couple mobile homes) with cash, rehab it, and resell it for profit. We also own a rental property that we can refinance and take some cash out if needed.Problem is, our living situation is changing; we currently live mortgage/rent free in an overseas relative's house, but they recently decided they need to sell. Where we want to live (near the med school, with good schools for the kids) the rent is going for $1300-1500 for a 3bd/2ba. Market value for homes built in the 90s+ are around 150-250k for a 3bd/2ba.We aren't sure how long we will be in the area, but probably somewhere between 2-5 years.Our financial situation:
- Med school loans @ 40k/year
- Kids and their extracurriculars, about 1000/year
- I work parttime. It covers groceries and gas.
- About 15k in consumer debt, transferred to 0% interest credit cards every 18 months
- Cars paid off
- Rental home has cash flow of about $150/month
As far as I see, we have two options:
-We rent, and use our $$ to invest RE
-We use our investments to buy a short-sale/REO home, fix it up and sell it in the next few years for profitSo, what do you think? I'm coming to you wise FW finance people for advice, because honestly I don't even know who to begin asking these questions to. Accountants? Investors? Realtors? I have a lot of respect for the advice given here from some of you.Thanks.
Broke mama
X box from optionshouse with new 10K acct and 15 trades @ &3.95
Added on : Sunday February 10th 2013 02:01:00 PM
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Added on : Saturday February 09th 2013 01:00:02 AM
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Applying for 2nd credit card--Need advice
Added on : Wednesday February 06th 2013 11:00:57 AM
I'm considering applying for a second credit card and would like some advice regarding whether or not to do a mini App-O-Rama with 3 or 4 applications being submitted at the same time on different computers or should I only apply for only 1 card now?My goal is to increase my CL to build my credit and maybe earn some sign-up bonus. I'm not so much concerned about having a low APR because I pay off my balance every month now. However, I do want to avoid annual fees.I'm thinking of going for
(1) Chase Freedom
(2) Citi Forward for College Student
(3) Citi Dividend Platinum Select Visa
(4) Boa Cash Reward
(5) Capital One Cash
(6) Any other cards from your suggestion?My CK score is 729 with a limited history of 6 mos on a Discover Student card with $650 limit. I'm a 22-yr old international graduate student, trying to pull my way through graduate school debt-free without relying on families at home. I try to pay off my credit card balance every month but sometimes I do carry a balance when tuition time comes. I've been reading FWF for like 2 months now for everyday and the experience has been very rewarding to me. I do hope to learn more from you guys. I'd really appreciate your advice. Thanks.
Another real estate decision - should we just take the hit now?
Added on : Wednesday February 06th 2013 09:01:24 AM
I want to give a full picture of our situation. I posted a while ago (somewhat controversial) about refinancing our condo and your insights paid off. We live in MA where the real estate bubble was horrible. In 2005, we paid $210K for a condo and now owe $190K. The area is not the best and it was originally a 3-5 yr plan - before kids, although now we have one and, round trip, I have a 3 hour commute each day. We need/really want out, which I'll explain so I don't receive "deadbeat" or "you're the problem with this country". The finances:Mortgage payment: $1280 + $310 condo fee = $1590/month (taxes are ~$1,500)Earnings/Savings: HH income of ~$160K give or take ~$10K; max out my 401(k); my wife contributes to SEP; 6+ month emergency fund; college fund for daughter; very low bills (no credit cards, one small car payment); however, separate from all of that, we have $70K set aside to buy a new/second primary home.The idea was to refi to get the condo payment down and rent it out so we could buy a new home. We can get $1,200 in rent for the condo, which means we would pay $400 out of pocket every month to make up the difference. Horrible, I know, but walking away just isn't an option to us and we don't qualify for a short sale. We felt that we could take the $400 hit each month and "wait it out" perhaps forever/until paid off because I know this thing will never be worth what we paid (arguably, it never should be or the bubble will burst again). The "hit" would obviously be larger due to vacancy and maintenance etc.However, I recently joined the condo board as I figured it would be a great way to stay close to the building/tenants when renting it out and then I quickly realized that the reserves are in serious danger. So many people have walked away w/o paying condo fees ($17,500 condo fees in collection). The building is historically registered (I learned a valuable lesson there) and the whole board is quietly questioning the building's future and we are talking about another assessment, shortage of fees/revenues, needing to increase condo fees, and while the expensive granite facade is beautiful, it's extremely costly to maintain. Essentially, I can't fathom how this building will be maintained, in the long run, due to his historic age and constant need of repairs.Long winded, sorry. But the point is, not only is the condo unit a bad investment for us, which we were willing to ride out, but now the entire building just doesn't seem to have a bright future. This whole situation is very upsetting to us. Not a moment goes by without me stressing out about getting my young family in a house (schools etc.). Literally, whether right or wrong, I lose sleep over it.I just had three CMAs completed - all came in close with a value of ~$120K-160K. There is no way we get $160K.Say we could get an offer for $130,000: How effing crazy am I to give the bank my additional $70,000 now just to stop the bleeding and get this all behind us? Yes, we could rent it and take the $400/month hit (plus vacancies etc.), but that limits our next buy. Its such a crazy idea to give the bank our $70K, but I just think the whole situation needs to be over with. If we surrendered our savings, we could rent for year and then have a FHA etc. down payment for a house we want to be in. We would be out the $, but happy.Please help. Am I nuts?
Financing/accommodating your "midlife crisis"
Added on : Tuesday February 05th 2013 01:00:56 PM
I am turning 40 in a few months (yikes!). I know its a clich, but I feel this strong need to spend some $$$ on something stupid, probably a fast car. Its hard to explain, but its just a reality of life I guess.Here is the problem. I havn't budgeted / saved for this. I've been married for more than 8 years and my finances are pretty much completely transparent to my wife. I wish I had the kind of relationship where I could say, "Honey I need, NEED to spend $80k on a german sportscar", but I do not. We have 3 kids and wife is hell bent on saving money for college for the little ones.I have 6 months. Taking on debt is not really an option. I feel like I can probably squirrel away $1000 a month, but I'm not sure that will be enought to fulfil my need.I am open to suggestions. Advice how you may have justfified this expense to your significant other. Ways to get something fun for only $6000 or less. Ways to "hide" expenses like this. Also would be interested in hearing what others have done for their crisis.
Help me Fatwallet you're my only hope (New Job and need your wisdom)
Added on : Tuesday February 05th 2013 12:01:10 PM
Oh wise Fat wallet Sages I seek your wisdom. I have an account, but my normal account contains part of my name and since Im giving some personal financial information I opted not to use it. Background:
Ive worked in the past in the Phone industry, Bank, University, and Health care provider, but I feel that this latest job will be a potential career (CA govt). I know Im a bit behind in my savings, but I took a hit during the recession and had issues with an investor that I trusted. I would greatly appreciate any tips or suggestions to maximize saving / investing for starting a new career and possibly new outlets that I havent contemplated. My current plan is to go back to school (part time) while working. Because I have limited experience (in auditing) I was thinking of going to the local junior college and getting an accounting AS or certificate to fortify my knowledge base. I also would like to get a Masters for career development, but Im not sure what MS Accounting or MBA and if it is needed (read an article about several people with post graduate degrees saying it wasnt worth it)Personal info:
Age: 28
Children: none (dont really want any)
Status: Single
Current Bachelors: EconomicsFinances:
Car: paid off
Housing: Paid for I just pay utility bills
Savings: 401k: $4,000; Liquid: $1,000
Travel: Drive about 600 miles a month, but I may drive more with the new job
CC Debt: $2,000
School Debt: $10,000 (I can pay this off with an UTMA)New employer:
state Govt
Salary: 40-50kGoals:
Go back to college and get a masters (in 4 years).
Save for college and retirement.
Look into possible rental properties (5 years)
New car, hopefully something sporty
Questions:
Is there an account to save up for ones own education? I know there are 529 but I think those are mostly for dependents.
Do I need insurance if I have no dependents? I think that my savings can cover my funeral expenses.
Based off what Ive listed do you have any tax saving tips?
For a person in the audit industry, what Masters program would you suggest?Also if you have any other comments or suggestions or need to clarify anything please post.Thanks,TLDR: I just started a new job with state govt and I need suggestions on how to maximize my potential earning / savings (Ie: post graduate schooling, Saving 401k/Roth) so I can avoid my fear of working when Im old.
BNY Mellon Wealth Management
Added on : Monday February 04th 2013 03:01:08 PM
Anyone have any accounts with BNY Mellon Wealth management?Saw they were offering now 100% financing of mortgages if you had investments with them. I emailed a rep and got the go around regarding fees since he wouldn't tell me anything online with the account and wanted me to speak over the phone. The rep seemed to be a young college grad from low level universities and I was not having a good rapport with the representative. I know they have wealth management branches, but I am wondering if anyone has had any positive results with them as a firm? They have legitimate locations so I am wondering if it was just one bad representative I was dealing with or if the product is actually worthwhile so as to pop into one of the locations to actually speak with someone in person. I was looking at it this way: 100% financing would save a lot on Capital gains so I wouldn't have to liquidate investments even though the investments would serve as collateral. But alas the person I spoke without wouldn't give me any information via emails and insisted I talk to him.
Is it a good idea to pay student loans with a 0% apr BT?
Added on : Saturday February 02nd 2013 09:01:00 PM
I don't have any CC debt. When in college I did and needed it to get by. Now I have a bunch of cards that have ok rates, decent limits and I get BT offers all the time. I pay off my students loans pretty quickly but it's going to take me a year or two more. Around 80% of each paycheck goes to loans. My loans have an apr of around 5.4%. I get offers for BT's for a year at 0% apr and a 1.99% fee. I can easily afford the payment on both. Is it worth it?
Considerations for Changing Jobs
Added on : Sunday January 27th 2013 08:01:02 PM
I know a lot of people, including me, have started posts about changing jobs in the past. I am in the position again, but this time, I thought that maybe we could discuss things that are important when considering a job change, especially when a huge motivation is overall compensation. Many folks tend to focus on base salary, perhaps bonuses, and some of the big benefits, like medical insurance... but there are many of other factors and just because you get an increased base salary does not mean you are coming out ahead. In addition, there are considerations related to career path/growth and how well you fit with the organization and its mission, but those are not part of this conversation.1) Base salary - This is obviously the big one... we leave whatever else we could be doing in order to earn money to support ourselves, our loved ones, and hopefully enjoy life. However, there are other reasons to focus on increasing your base salary. For instance, other benefits and bonuses are often a percentage or multiple of your base salary. Unless I just really need a job (out of work or truly and dissatisfied) I will not move for anything less than a double-digit percentage increase, and most likely above 15%. My personal ability to do this is likely diminishing as I am getting up there for my market.2) Medical/dental/vision - This is important for most people I have to think, except the healthy and young that don't see the point in buying. There are several factors, like whether all or some of the benefits are available (vision may not be important as the others as it covers the least and some folks have good vision, and potentially even dental as it is similar but usually provides a better value proposition than vision since everyone has teeth... unless you don't). Also, there is the cost of the premium you pay, the deductible, co-pays, network, flexibility, etc. When employers provide benefits summaries, they don't tend to outline most of this information... usually just premium and maybe the deductible. With the advent of high deductible plans and health savings accounts, some employers contribute to the HSA, as well.2) Retirement savings - this is Crucial for folks that earn more than the limit for contributing to IRAs and folks that want to contribute more than an IRA allows. Also, employers (perhaps a decreasing amount) offer some sort matching program that may or may not have a vesting schedule. In my opinion, since I work in IT and the tenure at each employer seems to be a few years, a lower or non-existent vesting schedule is preferable. This is also one of those benefits that is a derivative of the base salary... the higher your base salary the higher the employer match. Also, when you exceed the social security cap each year, some employers offer the 6.5% employer side as a contribution.3) Life/disability - Again, this is another one that is a derivative of your base salary... normally a multiple. I remember a conversation with my mother-in-law who said that at some point you have to feel like you have made enough... I could have screamed for so many reasons, but life insurance was a huge one. I figure that my mother-in-law would understand that as her father died when she was young and my risk aversion comes from me experiencing the same thing. Many employers either state that they offer life insurance and they may state how much they provide, but I have not witnessed any providing information on cost and ceiling on supplemental life insurance. The same holds true with AD&D. (no, definitely nothing to do with role-playing games). I am married with multiple children... it matters greatly to me. I am maxed out with my current employer which allows me to have 5x my base salary in life insurance and 10x my base salary in AD&D... so, if I were to die in an accident, my family would have 15x my base salary. Some folks are okay to buy this coverage on their own, but I prefer buying through my employer as they don't tend to require medical examinations and it has been less expensive, at least for me.4) PTO and holidays - The value of this benefit varies greatly from each employer. Some let you carry over, others don't; some pay out, some don't; some have separate vacation and sick days, some don't; some offer flexible working arrangements that mean you can make up time; some situations leave you not using your PTO. I tend to build up my accrue my PTO close to the maximum before I use any, and even then I don't tend to draw it down much. I like to use it as an extra cushion in case something happens to my job or as a bonus when I leave. Employers can actually be fairly flexible with PTO when you are negotiating salary. In four of my six past salary negotiations, I have increase my PTO beyond the standard, usually by five days.5) Tuition - This one has always been important to me. I worked full-time throughout my undergrad work and my employers throughout paid for 50% of my tuition. Also, my current employer paid for 2/3 of my masters degree. Now, it isn't as important to me as I don't really plan on going to school for a while unless it is a trade class (like welding, which I can do inexpensively at the local community college and wouldn't likely meet company policy for reimbursement) or something for fun (which I could take for free as audit credit at my alma mater). Another consideration is tuition pay back if you leave. None of my previous employers sought these funds, as I left two before getting past that point... but now that my current employer is rather large, I think they would actually pursue it.6) Work schedule/location - Flex schedule? Telework? Shorter commute? I personally like being able to go into the office, but I prefer being able to work from home a day or two a week. I tend to have a roundtrip of 30 miles as my shortest possibility (currently it is 60 miles, and it looks to be extending to 70). The fewer days I have to commute, the less time I spend commuting, the less fuel I consume, the less wear and tear on my vehicles, and the less risk of an accident or getting a traffic ticket. Also, I like to adjust my daily schedule frequently. For instance, I used to go in later so I could see my kids off to school in the morning; now that the wife is done with school (well, the first part), I go in early so I can come home early.So, my current situation is offering an almost 14% increase in my base salary... but comparing many of the benefits, it isn't as great as it might appear (some may not even think that the 14% is even worth it). The retirement match is a lower percentage, but when I considered all of the stipulations between the two, it actually came out to be the same nominal value, so at least it is about a wash there. PTO was negotiated to improve the disparity. Some other benefits are no longer useful to me.Anyhow, what are some other considerations that you all have found important? Some offer stipends for mobile phones, gym memberships, food in the break room or subsidized cafeteria, discounts for various items (whether at other companies or an employee discount).
Just had a baby whats the best way to turn into savings
Added on : Saturday January 26th 2013 10:00:57 AM
I went and did the FWF unthinkable and had a baby(6 weeks old now)
She was born in late decemeber so got a tax break but had an extra $2500 deductable.Whats the best way to use her to make extra money with her.Her income so far is $60 from SSI(born a primie so gets $30/m for 2 months) and $300 from X-mas. I am expecting another $200 or so a month from grandparents towards college fund.I try and put $600+ a month in savings. If possable I would put a few grand in her account to make the bonus young saver intrest.

I know some banks give higher intrest for childrens saving accounts. But how young do they start? Which are the ones with highest rates and highest maximum account balance?
Join Amazon Student for a Chance to win $5000 College Cash
Added on : Friday January 25th 2013 02:00:39 PM
Use the link given below to register for Amazon Student account and you will automatically enrolled in a sweepstakes for $5000 College Cash. Hurry offer ends in 5 days...http://www.amazon.com/gp/student/signup/info?
Schooled [Kindle Edition]
Added on : Wednesday January 23rd 2013 04:00:36 PM
SchooledDalton Jackson (Author) 29 reviews and Rated ★★★★★
11 LikesPublication Date: April 12, 2012Overview:Immediately after graduating from college in 2006, Dalton Jackson took a job as a high school Biology teacher in Cramer county, located in the rural southern United States. Over the course of the next two years, he shared his students' triumphs, tragedies, joys, and frustrations. He got a behind the scenes look into how school systems and teachers function as well as how they break. He faced threats of violence and potential lawsuits. As the pressure built and the runaway train of his brief teaching career began to derail, Dalton came to understand why the education system can't seem to recruit new teachers and why many of the teachers in the existing system aren't doing their jobs.
First Party Claim - UM Claim - Pay for Lawyer or Small Claims
Added on : Wednesday January 23rd 2013 02:00:56 PM
Statute of limitations for suing insurance company / resolving claim is in three months.A few years ago while a broke college student, I was hit by a woman driving and uninsured luxury SUV at a T intersection (young and naive; no police report). I was not at fault and fully insured in my crappy car which I had fully insured. Information was exchanged but it turns out the insurance on the vehicle lapsed over a year. I informed my ins about this, expecting a UM claim. Instead learned other driver lied with BS witness corroborating story. Was materially misled on several occasions by ins co, told that had to accept fault for vehicle to be repaired, etc. No further investigation was carried out. In the end I got statement, phone calls, and video which all were in my favor. Presented this to ins co. Ins co contacted my witness (1+ month after I provided contact info) and said that he was not credible b/c he had mixed up street names. Got crappy lawyer that did absolutely nothing and burned my time to act under personal injury. Lawyer ended up dropping case. Sent complaint to Dept of Ins at which point case was reviewed and liability reversed (no new evidence was provided to prompt this). Submitted demand letter based on crappy attorney. Being lowballed. Lawyers do not want to take case (they say it's not worth it). I want to try to sue in small claims court b/c I never had the money to pay a lawyer at their high hourly rates. Initially, lawyers did not want case because my insurance was holding me at fault. Dealing with backward insurance has resulted in several damages (depression, grades, pain, loss of income) and the financial situation it put me in was horrible. Though it doesn't seem like a lot, I only worked to survive as I was full time student. I was a PT delivery driver and the diff in deductible was over half my rent. No outside support. Unable to use car and city I am in is largest in country with no public transport (there was no viable/comparable/equitable employment alternative due to schedule and pay rate)Can now afford to pay lawyer somewhat, but would only do this if seeking punitive damages and trial (expensive). What are thoughts on the best plan of action? I know I have very few options.
The ABC of Sales: Lessons from a SuperstarDaniel Milstein (Author)Billion Dollar Sales Expert Shares Secrets on How to Become a Sales Superstar.
The ABC of Sales, Lessons From a Superstar is an award winning book. It was selected the first place winner in the "how-to" category of the Paris France Book Festival and earned an honorable mention in the prestigious New England Book Fair and the San Francisco Book Festival in the business category as well as a first place win in the DIY Book Festival, Los Angeles. During the month of March 2012, The ABC of Sales sold 10,000 copies and became the #1 Sales Book on Amazon and the 31st top seller of all eBook sales.Renowned sales trainer, Brian Tracy, calls The ABC of Sales: Lessons from a Superstar, "an exciting tale of success and achievement...it gives you the tools and strategies to achieve all your goals."Author Daniel Milstein shares eight secrets for consistently reaching high sales levels and lays out in clear understandable language what it takes to be a Sales Superstar. You'll peer inside the mind of a successful sales talent so rare that universities will use this book for their business classes.We're not talking theory here--Dan Milstein is the real deal. He is the 35 year-old CEO of Gold Star Mortgage Financial Group, an Inc. 500 Company which closes a billion dollars in loans annually. Milstein has been recognized as the #1 mortgage originator in the nation, has been among the top 40 financial professionals in America for 10 years and has achieved more than $3 billion in personal career mortgage sales.You can't rack up numbers like that if you don't know how to sell.Born in Kiev, Ukraine, Daniel and his family immigrated to Ann Arbor, Michigan after the Chernobyl nuclear disaster. In high school, Dan developed his work ethic during long hours at McDonald's. After graduating from college he went to work for various financial institutions and was promoted consistently because of his sales acumen.Former FOX News Producer, Jess Todtfeld, says "Dan Milstein will join Zig Ziglar, John Maxwell, Og Mandino, and Brian Tracy in the pantheon of salesmen we should all learn from."Among the gems in The ABC of Sales is Milstein's adage that "Lunch is for Losers," and that the Great Commandment of Sales is "Always Be Closing.""ABC - Always Be Closing, is one of my favorite phrases," says Milstein. "It is a motto I live by and is one of the nine reasons I have been successful as a sales professional. I never turn off my selling mindset; I'm always ready to engage a friend, colleague or stranger in conversations that will lead to a sale."If you really want to rise to the top in sales and be inspired and motivated to surpass your loftiest dreams then order your copy today.FREE for a limited time and so posted under Hot Deals
The ABC of Sales: Lessons from a SuperstarDaniel Milstein (Author)Billion Dollar Sales Expert Shares Secrets on How to Become a Sales Superstar.
The ABC of Sales, Lessons From a Superstar is an award winning book. It was selected the first place winner in the "how-to" category of the Paris France Book Festival and earned an honorable mention in the prestigious New England Book Fair and the San Francisco Book Festival in the business category as well as a first place win in the DIY Book Festival, Los Angeles. During the month of March 2012, The ABC of Sales sold 10,000 copies and became the #1 Sales Book on Amazon and the 31st top seller of all eBook sales.Renowned sales trainer, Brian Tracy, calls The ABC of Sales: Lessons from a Superstar, "an exciting tale of success and achievement...it gives you the tools and strategies to achieve all your goals."Author Daniel Milstein shares eight secrets for consistently reaching high sales levels and lays out in clear understandable language what it takes to be a Sales Superstar. You'll peer inside the mind of a successful sales talent so rare that universities will use this book for their business classes.We're not talking theory here--Dan Milstein is the real deal. He is the 35 year-old CEO of Gold Star Mortgage Financial Group, an Inc. 500 Company which closes a billion dollars in loans annually. Milstein has been recognized as the #1 mortgage originator in the nation, has been among the top 40 financial professionals in America for 10 years and has achieved more than $3 billion in personal career mortgage sales.You can't rack up numbers like that if you don't know how to sell.Born in Kiev, Ukraine, Daniel and his family immigrated to Ann Arbor, Michigan after the Chernobyl nuclear disaster. In high school, Dan developed his work ethic during long hours at McDonald's. After graduating from college he went to work for various financial institutions and was promoted consistently because of his sales acumen.Former FOX News Producer, Jess Todtfeld, says "Dan Milstein will join Zig Ziglar, John Maxwell, Og Mandino, and Brian Tracy in the pantheon of salesmen we should all learn from."Among the gems in The ABC of Sales is Milstein's adage that "Lunch is for Losers," and that the Great Commandment of Sales is "Always Be Closing.""ABC - Always Be Closing, is one of my favorite phrases," says Milstein. "It is a motto I live by and is one of the nine reasons I have been successful as a sales professional. I never turn off my selling mindset; I'm always ready to engage a friend, colleague or stranger in conversations that will lead to a sale."If you really want to rise to the top in sales and be inspired and motivated to surpass your loftiest dreams then order your copy today.FREE for a limited time and so posted under Hot Deals
http://www.amazon.com/dp/B00A5B8SSUWhat Foreigners Need To Know About America From A To Z: How to Understand Crazy American Culture, People, Government, Business, Language and MoreLance Johnson (Author)
This unique book paints a revealing picture of America and its people for those foreigners who will benefit from a better understanding of America. It will also inform Americans who want to learn more about the U.S. and how it compares to other countries around the world. World traveler and teacher Lance Johnson studies cultural differences and the difficulties foreigners have understanding crazy America, as some call it. Foreigners might come to the U.S. to work for American employers, to open branch offices or factories for their homeland employers, to start their own businesses, or go to school. Others might work for American organizations in their homelands or have American teachers there. An understanding of American culture and language will contribute to their success. As the title suggests, this book is for foreigners. Dictionaries say they are people who are not citizens of a country. For this book they are defined as anyone who is not sufficiently familiar with American culture to achieve success. This includes the multitudes of foreign-born, naturalized citizens who have lived in the U.S. for years and still struggle with the ways and the language. A foreigner could also be a first-generation American whose immigrant parents did not fully expose their children to American culture and they now pay the price in mainstream U.S. There are lots of other examples, too. FORMAT Each of the 26 chapters brush strokes contributes to the final painting of what America is all about. For ease of understanding, the chapters are grouped into four sections. (The sections are available as individual books as well.) Section I America's Heritage. This defines the historical background of why America and its people became who and what they are today. Section II America's Culture. This section describes everyday life in America, ranging from customs and etiquette, to whats on the minds of Americans, to education. Practical advice is provided for the one million foreign applicants who seek and gain admission to U.S. colleges and universities each year. Pointers are provided on the cultural differences students should expect, and how to get the most from their education. Section III America's Business. This explains the complex business environment, operations, and people-related customs and why the U.S. is an economic juggernaut. Information is provided for starting a business of your own in the U.S. as well as how to increase the chances of your getting hired by an American firm in the U.S. or abroad. Section IV America's Language. These chapters discuss practical ways to improve English grammar, speech, writing, communication skills, and reducing accents. Common English grammar and speech errors made by foreigners are identified and simple tips are provided for overcoming them. ENDORSEMENTS I congratulate you on writing this timely work. This will promote better mutual understanding between America and Asia." - Tommy Koh, Singapore Ambassador to the U.N. and U.S. Your book covers a broad range of topics that I am sure manywill find very useful. - Clark T. Randt, Jr., U.S. Ambassador to China. I greatly appreciate your efforts in sharing with other people your opinion and experience on the exchanges between different peoples and cultures. It is so important for us to better understand each other while striving to build a better world for all. - Zhou Wenzhong, China Ambassador to U.S. I found this book refreshingly different from the general run of books in this genre. - Mohammad Vazeeruddin, India journalist. The A to Z chapters are nicely written and...the language is simple and lucid. - Jay Gajjar, India language professor. I love this books generous use of helpful hints. I highly recommend it for anyone who wants to learn more about America like I did." - Sarah Kim, Korean American business owner.
http://www.barnesandnoble.com
Code: P29X44DPUNKUSIn-Store Coupon here valid thru 1/21.In-Stores: Buy 1 Fresh Baked Cookie Get 1 FREE
15% Off One Item Coupon Details:For each customer, this coupon can be redeemed once at any Barnes & Noble retail store or once per billing address online at BN.com.This coupon is valid at BN.com from January 17, 2013 at 12:01am to January 22, 2013 at 2:59am Eastern Time, and at Barnes & Noble stores from January 17, 2013 to January 21, 2013 at close of business.This coupon entitles you to 15% off one eligible item in your order. The 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 toNOOK 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, 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.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. Void where prohibited by law.
I don't want to post the direct link to the card because there is a referral code. But the Maximizing Money blog describes it at http://www.maximizingmoney.com/college-savings/student-advantage...I wonder if there is a way to milk this, such as signing up friends and family? The blog says:"For U.S. residents, the 1-year card is $20 plus $2.50 for shipping, the 2-year card is $30 plus $2.50 shipping, the 3-year card is $40 plus $2.50 shipping, and the 4-year card is $50 plus $2.50 shipping."So I wonder if that kills the deal?
Finish BA/BS - Private(low GPA) vs. Public (high GPA) - Advice?
Added on : Tuesday January 15th 2013 01:01:05 PM
After fits and starts, I've returned to school to finish my BS/BA. I'm registered at 2 universities - Carnegie Mellon and the University of Minnesota. I flunked out of CMU due to anxiety/gf dump a couple years ago. Spent 2 years in China (H&B+easy money-$2k in savings/month no tax). I ask the FWF Diaspora for help with one of the most major decisions in my life. Be brutally honest as I know you can be. I've read several other threads on public/private. I know there is no one simple rule.Me:
Age 27, worked for another major private Univ as IT guy (lvl 2 Helpdesk -$50k/yr salary) for 1 year, taught in China for 2 years
Like Business/Finance/Entrepeneurship - first company when I was 16, investing since I was 12, currently manage my own portfolio (12% for last year)
Love China - interested in Chinese studies - the women are HOT
Don't want to have a useless liberal arts degree
Want to work in a multinational somewhere in Asia, or maybe SA - don't want to live in the States post-grad
Will continue Chinese studies - be conversational fluent upon gradCMU:
Prestige (top 25 school), alumni network, amazing career office, on-campus recruiting
low GPA - will finish slightly above 2.0
International Relations and Politics BS - marketable? I have no other options for a degree for the year time-frame. Changing would involve more time+money.
Need to get almost straight As in order to finish above 2.0 - more rigorous
Expensive! Double the cost (no aid available to me)!
Will never have this opportunity again for this tier of schoolU of Minnesota:
Will enter under the Continuing Education school for their Inter-College Program - self-designed degree
Concentration in Management, and Chinese Studies (also other options)
Lower prestige, more area-centric for networking opportunities
Assume everything transfers properly, blank slate of a GPA, so graduate with higher GPA (will work @$$ off for 4.0)
Degree certificate will just show "U of M", not Continuing Ed school. But transcript will say it.
Resident tuition rate - cheap! Ranked well among state schools.Can finish at either school in one year - same time frame. Hiring managers - advice, please? What would you do?
I know I will have to explain the gap in my resume.
What's your thoughts good private school (low GPA) vs public school (high GPA)? I know this doesn't matter so much 5+ years post-grad, as your work experience counts more. But I need to consider how to jump-start my career in the best way possible - is CMU worth it, especially considering networking/internships?Thank you!
http://www.amazon.com/dp/B00A5B8SSUWhat Foreigners Need To Know About America From A To Z: How to Understand Crazy American Culture, People, Government, Business, Language and MoreLance Johnson (Author)
This unique book paints a revealing picture of America and its people for those foreigners who will benefit from a better understanding of America. It will also inform Americans who want to learn more about the U.S. and how it compares to other countries around the world. World traveler and teacher Lance Johnson studies cultural differences and the difficulties foreigners have understanding crazy America, as some call it. Foreigners might come to the U.S. to work for American employers, to open branch offices or factories for their homeland employers, to start their own businesses, or go to school. Others might work for American organizations in their homelands or have American teachers there. An understanding of American culture and language will contribute to their success. As the title suggests, this book is for foreigners. Dictionaries say they are people who are not citizens of a country. For this book they are defined as anyone who is not sufficiently familiar with American culture to achieve success. This includes the multitudes of foreign-born, naturalized citizens who have lived in the U.S. for years and still struggle with the ways and the language. A foreigner could also be a first-generation American whose immigrant parents did not fully expose their children to American culture and they now pay the price in mainstream U.S. There are lots of other examples, too. FORMAT Each of the 26 chapters brush strokes contributes to the final painting of what America is all about. For ease of understanding, the chapters are grouped into four sections. (The sections are available as individual books as well.) Section I America's Heritage. This defines the historical background of why America and its people became who and what they are today. Section II America's Culture. This section describes everyday life in America, ranging from customs and etiquette, to whats on the minds of Americans, to education. Practical advice is provided for the one million foreign applicants who seek and gain admission to U.S. colleges and universities each year. Pointers are provided on the cultural differences students should expect, and how to get the most from their education. Section III America's Business. This explains the complex business environment, operations, and people-related customs and why the U.S. is an economic juggernaut. Information is provided for starting a business of your own in the U.S. as well as how to increase the chances of your getting hired by an American firm in the U.S. or abroad. Section IV America's Language. These chapters discuss practical ways to improve English grammar, speech, writing, communication skills, and reducing accents. Common English grammar and speech errors made by foreigners are identified and simple tips are provided for overcoming them. ENDORSEMENTS I congratulate you on writing this timely work. This will promote better mutual understanding between America and Asia." - Tommy Koh, Singapore Ambassador to the U.N. and U.S. Your book covers a broad range of topics that I am sure manywill find very useful. - Clark T. Randt, Jr., U.S. Ambassador to China. I greatly appreciate your efforts in sharing with other people your opinion and experience on the exchanges between different peoples and cultures. It is so important for us to better understand each other while striving to build a better world for all. - Zhou Wenzhong, China Ambassador to U.S. I found this book refreshingly different from the general run of books in this genre. - Mohammad Vazeeruddin, India journalist. The A to Z chapters are nicely written and...the language is simple and lucid. - Jay Gajjar, India language professor. I love this books generous use of helpful hints. I highly recommend it for anyone who wants to learn more about America like I did." - Sarah Kim, Korean American business owner.
Funding college education for a toddler
Added on : Saturday January 12th 2013 10:01:02 AM
i got a nephew whose birthday is coming he is a toddler, i wanted to start a college fund for him as a gift.. what are my options. i went to the banker he said i can open a checking out for a minor but seemed thats the parents responsibility than mine.. i want something that grows for him.. is there like a cd or certificate you can get and gift it to his parents and maybe they can open one or hold on to it.. or should i just give them a check for his college fund.. let me know your thoughts finance gurus
$50 in GradSave College Savings ($24.00) @ LivingSocial
Added on : Friday January 11th 2013 10:00:24 PM
Linky
http://www.foundationccc.org/CollegeBuys/ForStudents/tabid/468/D...
Usually costs around $300-400, I believe. You can get the DVD version for $10 more.
Also, if you buy before April, 2013, you should be able to upgrade for free to the new version of Office whenever it comes out: http://office.microsoft.com/en-us/offer/
Living Social $24 for $50 into a 529 thru GradSave.com
Added on : Thursday January 10th 2013 09:01:04 PM
GradSave is offering a $50 contribution to a 529 College Savings Plan for only $24 via the Living Social network through January 22, 2013.GradSave is an online college savings registry that helps friends and family give contributions directly to a childs college savings plan.Funds that are contributed to GradSave can be transferred to a linked 529 plan, or they will be held in a regular FDIC-insured savings account from Bank of America until you decide to withdraw them.http://www.livingsocial.com/deals/491862Thanks to maximizing money dot com...
Private Student Loan Consolidation - 36k
Added on : Thursday January 10th 2013 08:00:57 AM
Hello,Can anyone provide some advice on the best way to consolidate 36K in private student loans from Wells Fargo and Sallie Mae? All of my loans have (high) variable rates, this is the breakdown:
Ammount Rate Lender
$12,519.18 9.49 WF
$10,930.137.99 WF
$12,515.486.25 SM
I just graduated college (2011) and hate seeing the majority of my payments go interest. My goal is to consolidate all loans under a fixed rate with same or lower monthly payment with either SunTrust or Wells Fargo, as these have the lowest rates I've seen. After I get a consolidation, I hope to increase my payments and do a debt snowball sort of thing to get them paid off in a couple of years. Some more detail that may be helpful is the following:I make 53K a year.
My current payments for Wells Fargo is $239 and Sallie Mae is $93
I have no other debt right now besides a car that will be paid off in June of this year and a 18K Direct Loans student loan.
According to Credit Karma, my credit score is 768.
ETA: I've been employed at my current job for 1-year making the same salary.What are the chances of Sun Trust or Wells Fargo approving me for a consolidation loan without a cosigner? I don't have a cosigner that has good credit and I don't want to get high interest rates like these again. Does anyone else have any suggestions or advice?Thank you for your help!
School doesn't accept student loans. Options?
Added on : Wednesday January 09th 2013 04:01:00 PM
My mother-in-law is currently enrolled in a community college this semester. She had planned to get student loans to help pay for things so she could quit working full time. It was just discovered that the school does not accept any student loans (federal or private). She does not qualify for any financial aid either. It is my understanding the school got in trouble over student loans in the past and they had to quit accepting them. I don't understand why a public college would not be required to accept student loans. One would think all that is required of the school is to accept the money and report to the lender that the student is in good standing. Are there any options other than a personal loan from a bank? Maybe a bank that would do private student loans, but send the money directly to the student?
FREE to join for Students (.edu email address needed for verification)
Prime shipping benefits FREE for SIX months
50% off ($39/year) Prime subscription after that. You can set it to not auto-subscribe/renew and you will not be charged anything
Prime Instant video is almost as good as Netflix now, and it costs less than Netflix. Prime subscription is $39/year only for students. Plus you get FREE 2-day shipping.
Chance to win $5000Text
Amazon Coupons
Finance advice
Added on : Sunday January 06th 2013 02:01:02 PM
kind of on similar lines with another thread posted sometime ago2007- dumb,single, fresh out of college bought a condo with 5% downpayment and a 18K car with CC debt and minimal cash reserves! Somewhat learnt my lesson and moved on with actions(developing budget, paying down debt, working on self to increase income etc) thanks to reading this forum. A big thanks to the members here!Current situationPaid - 138K (irrelevant now)
Current value - 116K per Zillow (doubt if I would get that, recent foreclosure around sold for 100K or so)
Balance - 111K
P&I+HOA - 700 bucks (paid down over the years to get couple of refinances done, rate 3.5%)Property is a 2 bd 1 bath and is becoming a bit inconvenient with grown family of 3 and occasional long visits from in-laws and parents who are not local. Recently had an issue with plumbing and luckily was able to avoid major inconvenience but got me thinking.Income - 3.6K after taxes,401K, ESPP contributions etc401K - maxed out before take home
Roth - automatic withdrawals set at maxDebt - none except 4.5k at 0% on CC - Plan to pay this off in July when it expires - pay 400 per month
Cash - 60KExpenses
P&I+HOA - $800 (pay about 100 extra on mortgage payment, sticking to old P&I - requirement is 700)
Roth - $450
Debt down payment - $400
Groceries + dining out - $600
Utilities (cable,phone,internet,gas and electric): $250-$300
Gasoline+insurance+registration - 225$
Other spending (clothing for kids,diapers, our clothing) - $225
Total - 3000$
To savings - 600$In addition due to ESPP contributions and other bonus, I get something to the tune of 25K annually that goes into savings. So if this is factored to income, income would be approx 5.6K per monthAm I still somewhat stupid to consider the below after June when the 400$ debt repayment goes away or have I gotten on the other end of risk taking since last mistakes?1) renting this and buying a 3bd,2 bath at 200K or so?
2) selling this and buying a 3bd,2 bath at 200K or so?
3) Do nothing,live with what we have and build on savings for X amount of time? If so any recommendations on X?Which one would the members recommend and why?TIA
Buying a house: Great credit, no debt, but recently Self-Employed
Added on : Sunday January 06th 2013 01:01:01 PM
Seriously considering buying a house. Watched the housing market around here for ages and just did an initial walk-through of the house in consideration. However, before I go too far down this road, I'd hoping FWF can shed some light on whether I'd qualify for a mortgage or not. I've lurked on a few property threads and haven't found much that would shed light on my particular circumstances. I'm a young, single college grad with no debt. Student loans paid off, never owned a car. I've dabbled in lucrative Credit Cards bonuses/churning ever since I discovered FWF but don't carry balances. Excellent credit score. Elephant in the room: Currently self-employed and I've never had a 'real' job. I started my own business in June. It's a low-overhead, seasonal business of which I'm the sole proprietor and sole employee. At the end of the 1st season in late October, ended up with a profit of roughly 22k. I expect the business to grow this upcoming season and I plan on opening up in April instead of June. So, I can show my books to a lender and they'll see a young, profitable business. But will a lender give any credence to a business this new? It'll basically clear out my savings, but I could put 20% down on the property. Ideally, I'd love to only but 10% down, but I'm not sure if that's feasible. The house I am looking is priced at 99k. It's a duplex and is currently bringing in 1,100/month in rental income. I would be planning on living in the upstairs of the duplex and continuing the rent out the 1st floor for 550/month to the current tenants. Will lenders factor in that rental income at all when it comes to evaluating your ability to pay a mortgage? Any feedback would be appreciated. I am extremely green when it comes to home ownership, but I do feel like this is a smart place to put my money. I'm bullish about the neighborhood, know I can handle basic tenant fixes w/out outsourcing them, and - most importantly - love the neighborhood and see myself sticking around for a good while.
Coverdell still alive
Added on : Saturday January 05th 2013 08:01:04 PM
Reports are that it was made permanent with the fiscal cliff bill -- these means 2k for 2012 and 2k for 2013 can be added This is an education IRA that starts at K and goes to college
Condo Question - Rent, Refinance or Sell
Added on : Saturday January 05th 2013 03:01:15 PM
Looking for some FWF insight on this.I, unfortunately, own a condo that I paid way too much for at the peak of the bubble in 2007. I was fresh out of college, dumber than I am now, and it seemed like a good move at the time. Anyway, family has grown and we are in a house nearby now but trying to figure out long term what the best thing to do with the condo is. We have been renting it the past 2 years and wondering if it is worth it to keep renting or if we should sell it. Also how possible a refi would be.Stats:
Location: Seattle suburb.
Paid 220k for it in 2007 (not really relevant anymore)Currently owe: 120k
Current value (per Zillow): 135kRent Revenue:
Current rent 950/mo (Zillow estimates we could rent as high as 1250 but we are renting to people who take care of it and we know so we are willing to discount)Expenses:
600 in interest per month (mortgage is at 5.75%, have been underwater till recently which limited refi options. Also had WF's LPMI which reduced HARP options for a while)
300 in HOA
200/month to insurance, prop tax
Obviously, at the moment, it is a money loser. We could probably pay it off in 2 years but even then, would it be worth it?
Lets say, best case in 2 years, it brings in 1200/mo with average 650/mo expenses (HOA, insurance, misc), it would bring in just 6600/profit. That comes with an opportunity cost of the maybe 120k I could get out of it now (selling, with fees, etc). That would give a 5.5% rate of return on that capital?Does it make sense to keep? Am I overlooking anything? I accept whats in the past, just looking to best options in the future.
Thanks for the thoughts!
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BoA "Wealth Management Banking Client"
Added on : Friday January 04th 2013 04:01:04 PM
My story starts with me opening a regular BoA checking/savings account (some sort of college version I believe), along with a BoA credit card. I used BoA as my primary bank, keeping an average of between 10K-20K in my accounts. Starting a few months ago, my account started displaying "Welcome wealth management banking client" when I logged into the BoA website. I ordered new checks, which also displayed "Wealth Management Banking" on them. Service, both by tellers and over the phone, improved significantly. I didn't know why I was receiving the perks, but thought there was no harm in continuing to enjoy them without pushing for an explanation and risking loosing them. I recently called in to ask about a transaction in my checking account (long story short, a bank error caused a $1000 payment to me show up as a $10 payment, which was quickly resolved). What threw me off guard is the fact that when I called, the phone was instantly answered by a rep who seemed a bit flustered that I was calling. He let me know I could call "my" private banker next time anything came up, and reminded me of his name and phone number. I googled his name and it turns out he is a Merril Lynch advisor. The strange thing is...I have never had any contact with BoA other than my basic checking/savings/credit card...so what is going on?Is "wealth management banking" actually some sort of private banking, or just a watered down retail program? If it's the former, I should probably dig deeper to figure out whats going on. If it's the latter, I'll just enjoy it while it lasts. Anyone know what this is, or have advice on whether I should pursue this further or just enjoy the perks while they last?
Managing debt and planning for the future
Added on : Thursday January 03rd 2013 02:01:03 PM
I would really appreciate some feedback/suggestions for improvement on my financial situation.Age 28, married, no children, living in a suburb of a major Metropolitan AreaIncome:
Me: $60k + $20k/yr toward student loans + 5% 401k match, working in a very specialized mechanical/electrical field
DW: $35k, working as a part-time private school teacher
Additional: ~$10k additional using various side-income streams.
Outlook: DW's income is unlikely to change much in the future. Mine is scheduled to increase to 62k next year and 70k the year after. Then it should jump to at least $200k. Uncertain after that.Monthly costs:
Food: $300
Gas/Car Insurance: $300
Health insurance: $250
Phone (total): $120
Rent: $1000
Student loans: $500
Misc/Entertainment: $300Debts (All Stafford Student Loans):
Me: $140k with AVG ~5%
DW: $60k with AVG ~6.5%
We're on an IBR plan and pay a total of $500 per month
No credit card or other debtAssets:
$5000 Vehicle
$2000 DW's vehicle
$70k savings in various high-yield accounts (4-6% interest) when it isn't being used for churning
$50k investments: $40k in ROTH managed by a financial counselor which I pay $35/yr (hasn't done much in 5 years) and $10k in 401k and other investmentsSummary: DW and I have really thinned our spending. We are recently FWF-reformed and try not to spend anything unless we get a good deal. We have found that NOT spending money is actually pretty fun and we no longer equate spending money to having a good time (or success). We made some mistakes with overspending in college and have to deal with that now, but we have learned so much since then.My financial counselor only charges me $35/yr because it's a friend, but I've made next to nothing in my ROTH in the last 5 years which really sucks. I really have no idea how to manage investments and would really like some advice on where to start with that. The other issue is trying to balance our current savings with paying off our loans. Our thought is that it will be less burden with my increased income in 2 years than it is now, so we'd like to have this safety net for the next 2 years even if it costs us a marginal difference in interest. That and I may find other loan repayment options with future employers.Thanks so much for reading. Bring on the pain!
indohottie's AOR 1.0
Added on : Wednesday January 02nd 2013 02:00:59 PM
So I have been reading and lurking around Fatwallet for some time... And I think now is the right time for me to try an AOR. I am new to this, so I am looking for some honest feedback on my choices in cards based on my goals:Goals
1. Increase my ability to churn with better CashBack cards
2. Secure some great mileage/travel bonus's to plan a trip for the mid to end of 2013.
3. Increase my overall credit limitCurrent Cards
1. Capital One Venture - 10K limit, my daily spender ~ max 3K on it at any point
2. Bank of America Cash Rewards - 15K limit, was converted from Schawb 2%card - do not use it much
3. Citibank Dividend - 15K limit - do not use much
4. Macy's AMEX - 8K limit - do not use much
5. Discover - 3K limit - was my college credit cardTotal limit of about 51K with only 3 or so ever in use.Cards I am planning on applying for
1. Usbank Cash + - lucky enough to have a branch close
2. AMEX Blue Preferred - 150 dollar bonus. groceries 6%
3. Sallie Mae Mastercard - 25 dollar bonus, groceries 5%
4. Chase freedom - 100 dollar bonus, 5% CashBack drug stores
5. Chase Ink Business - 200 dollar bonus, 5% CashBack on business expenses - my first business card
6. Penfed Platinum Rewards - 5% back on gas
7. Priceline Rewards Visa - 2% on all purchases - not sure this one is needed since i have a couple other 2% everyday spendersI am also looking at travel cards like:
Citi AAdvanatage Card
Citi HHilton Rewards
Chase British Airways Card
United Mileage PlusI am trying to identify which would be the best to rack up miles with -- currently have adhered to the cheapest flight possible method when booking travel so I do not have any current airline loyalty. Also you will see that I am not to focused on the balance transfer game at this point. I am not 100% comfortable with it yet, so I am currently not focused on that as one of my goals.Thanks for the feedback in advance.
Car Purchase Input
Added on : Tuesday January 01st 2013 04:01:07 PM
I know the best answer to my question is eliminate debt but please here me out. I currently own a 2006 Avalon with 67k miles. I am the third owner. The Platinum warranty has just expired on the 31st. The car has no issues at this time. My expenses will increase as I have a daughter starting college in the fall of 2013. While my current budget can handle the current payment of the Avalon. I was think of trading the Avalon for a 2011 Hyundai Sonata Limited with 24k mile on it. The Sonata has a 5 year/60k bumper to bumper warranty as a standard item. As the second owner you only lose the 10yr/100k power-train warranty. I can do this deal with no money out of my pocket as I owe less on the Avalon then the current market rate here in Atlanta, basically will have about $6k in equity. I have firm price quotes on 2 different Sonata at this time. With Pen Fed financing I would end up with the same payment I have now. So why do this? I want to limit my risk of a "large" auto repair expense. The Avalon is a nice and reliable car but stuff breaks and it does not take much to incur a 500 to 1000 dollar repair.SO that is my story want to get some feedback of what folks think? THANKS JJ
How Does Anyone Build Wealth?
Added on : Tuesday January 01st 2013 02:01:12 PM
Hi FWF,I'm an avid follower and recent college grad only now realizing how difficult it is to save, build wealth and generally thrive in the "real world". I've been reviewing the 2012 Career Choices thread and starting to save on my own and have realized it is near impossible to actually build wealth. Is this cynical?I'm 22, just graduated college in a job that makes ~$120K/year. I save half my income (after contributing ~7% to 401K with 5% company match) and keep my expenses very low. Still, if I were to save frugally for the next 3-4 years, if I went to grad school, the entire savings would be wiped out and I would be forced to start over, only to become positive in net worth again by 30. Assuming I continue making even a slightly upper middle class salary, I can only hope to save one or two million by retirement (30 years of working * ~50K savings/year), obviously this excludes any investment growth (and loss which people tend to forget) not to mention most of these savings probably will end up in a home. How do people do it? Am I missing something?
http://ocw.mit.edu/courses/SEE ENTIRE LIST BELOW. THANKS TO ALL WHO CONTRIBUTED!A great way to get a head start or review select topics for various exams. I have watched every single physics class offered. Walter Lewin is a terrific instructor who demonstrates the Faraday Cage (escape a lightning blast), uses methane gas to fire a gun, and other fun stuff. Faraday and the gun are at the ends of lectures 4 & 5: http://ocw.mit.edu/courses/physics/8-02-electricity-and-magnetis...Courses are complete, meaning exactly what you will get in undergraduate lectures minus recitation. Most colleges will not have in-class demonstrations of this quality and depth. This is not a demo or preview. These are actual full-length courses.
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What Do You Splurge On? Am I foolish for "living" a little?
Added on : Sunday December 30th 2012 12:01:24 AM
Been reading personal finance websites, FWF, etc for a while.. see the same things over and over: buy a car that is cheap and you can run into the ground, never lease a car, don't buy a home over xxx% of your income, and various frugal living advice. I have been on my own, financially, about a year now, but still living on a college budget. I'm making very good money (130,000) , and I am considering 'splurging' on a nice BMW 535i or Cadillac CTS-V. I have never been one to waste money, and I saved about 75% of my after tax income this year. My current car payment is about $200/mo, but I'm thinking "screw it" - I'm 24, what's the point in making lots of money if you don't live a little. Looking at cars in the $30k - $40k range. Am I young and foolish for wanting to blow some of my disposable income on an awesome car? This purchase would bump my "transportation - car/gas/insurance" costs from ~4% of my '12 income to ~10%. My rent/utilities are 6%.
FWF, What do YOU splurge on?
http://ocw.mit.edu/courses/A great way to get a head start or review select topics for various exams. I have watched every single physics class offered. Walter Lewin is a terrific instructor who demonstrates the Faraday Cage (escape a lightning blast), uses methane gas to fire a gun, and other fun stuff. Faraday and the gun are at the ends of lectures 4 & 5: http://ocw.mit.edu/courses/physics/8-02-electricity-and-magnetis...I could have sworn this was already posted but I cannot find it.
Looking finance a house with credit issues?
Added on : Friday December 28th 2012 02:01:06 PM
I'm in kind of a unique kind of situation here. During my last semester of college (a year ago), I had to have emergency surgery and it resulted in a ton of medical bills that I've slowly been paying off. Prior to this, my credit was pretty solid, but for some reason that even the mortgage broker can't seem to explain, the medical collections have brought me down big time.I have a regular W2 income. My husband is self-employed and he tends to put his money back into his business or into rental property, so he cannot show much income on paper. His credit is average.I have student loans and the medical debt, but otherwise we are fairly low in debt. He owns 3 houses and only has a small equity loan left to pay on the one that's currently rented out. I own land and he also has a lot of land available.We would like to purchase a house together, to live in. The one we're currently in is paid off, but small (and we have 3 kids), so we plan to rent it out. Now, it's been a LONG time since I had to finance a house, so I'm not at all sure how things work now. We have 3 options:
1) Buy a fixer-upper for less than $100K that can pass inspection but needs work (around $90K)
2) Buy a fixer upper that can't pass inspection (around $90K)
3) Build on our own land (Around $130K)
4) Buy a ready made house. (Around $150K)The people we've been working with to finance us have been pretty vague on details--I initially planned to finance it myself but the credit problems have nixed that. Selling any of the houses is not an option, but we would consider refinancing if it makes sense. Can anyone help me reason through some of this? Quite frankly, it all seems overwhelming just finding a place to start.
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30 Paleo Chiken Recipes - Simple and Easy Paleo Chicken Recipes
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Captain James Hook and the Curse of Peter Pan
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Cookies (Scrumptious Cookies)
Cool and collected Poems - Complete poetry in English
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El Marsam Cookbook: An Umbrian Farmhouse and its Kitchen
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Enzo Flashfire: The Birth Of Spyridon Five (The Spyridon Five)
Every Woman's Hero
Executive MBA Guide to Global Strategy and Strategic Planning
Exotic Animal Guide - Different Types of Sharks
The Expectant Geek's Guide to Boy Baby Names - 26 Names Your Wife Won't Let You Use for Your Son
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Fairys Of The Rainforest (The Fairy Clan Chronicles)
Play Fast! Win Big! What You Can Learn from the Fastest Team In College Football, The Oregon Ducks.
Fighting Temptation
The Final Appearance of America's Favorite Girl Next Door
Finding Rebecca: A Novel of Love and the Holocaust
First World Problems: 101 Reasons Why The Terrorists Hate Us
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From Belfast to St. Joe: 1838
Fruit Is Not Dessert: Rich Low-Calorie Desserts (Scrumptious Low-Calorie Recipes Cookbook)
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GHOST OF A CHANCE (The Ghost Series)
Gamingtology: Freedom is having your own Journey
Genetically Modified Foods vs. Sustainability
Get Inspired. Get Thinking - Intro copy (Get Inspired. Get Thinking.)
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Gift Horse: When Death Teaches Perspective
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Glaziers: Stories From People Who've Done It (Careers 101 Kindle Book Series)
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Gumption: The Salvation of Detective Billy Pomerloy
HORN OF PLENTY - The Cornucopia of Your Life
HOW TO QUALIFY FOR A MORTGAGE LOAN
Half of a Life - A Collection of Drawings
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Hero For Christ: 30 Ways You Can Be More Like Mother Teresa, Martin Luther King Jr., and Twenty More World Changing Christ...
Highland Fling
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Homemade Christmas gift Ideas: Delicious Candy Arrangements
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How to Buy a Fish? A Lesson
How to Do an Agenda: The Quickie Guide (The Quickie Guides)
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How to Be Motivated: A Blueprint for Increasing Your Motivation (The Personal Transformation Project: Part 1 How to Feel A...
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Jennifer's Book of Poetry
Jerusalem Artichoke: Production and Marketing
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Lives Interrupted
Top 10 Tips To Making Money On eBay (Vanessa Deighton - eBay Guides)
How to Save Money and Still Have FUN- The Easy Way to Learn Money Management and Obtain Financial Freedom
A Marriage Story: Some Marriages are Different from Others.
10 Mexican Style Slow Cooker Recipes
7 Minute Slow Cooker Recipes: For People With No Damn Time to Cook!
Mission: Explore Food (Mission Explore)
Montana by the Numbers - Important and Curious numbers about Montana and her cities (States by the Numbers)
Morning Glory - A Novelette
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Motherhood?! How to Survive and Thrive After Your First Pregnancy
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Murphy at Law: The Power of Negative Thinking
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My Human Condition: Life's Trials & Delights: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poetry)
The Newborn Vampire (Vampire Romance Novels #1)
The Night Kit Blew Up the Eggs. And Died.
Noahs Nuclear Niche - Romantic Fantasy Comedy
The Office Idiot Reviews (A laugh out loud comedy book)
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Paige's Doll-a prequel to Le Twins Wife Series (Prequels to Le Twins Wife Series)
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Piercing the Darkness: Undercover with Vampires in America Today
Poison in the Shadows (Crimson Murder Mysteries)
Political Ideals
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