College hot deals search results

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.

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?

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?

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.

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

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,

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?

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.

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?

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?

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!

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.

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

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.

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.

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

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?

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

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

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!

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.

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.

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.

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")

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]
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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

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.

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.

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

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?

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?

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

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

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 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...

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
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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

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

The Truth About Managing People (3rd Edition) [Kindle Edition]Stephen P. Robbins (Author) http://www.amazon.com/dp/B009NW9NTAPublication Date: October 9, 201221 Reviews ★★★★In the Third Edition of the bestselling book, The Truth About Managing People, bestselling author Stephen Robbins shares even more proven principles for handling virtually every management challenge. Robbins delivers 61 real solutions for the make-or-break problems faced by every manager. Readers will learn how to overcome the true obstacles to teamwork; why too much communication can be as dangerous as too little; how to improve your hiring and employee evaluations; how to heal "layoff survivor sickness"; how to manage a diverse culture; and ways to lead effectively in a digital world. New truths include: how to nurture friendly employees, forget about age stereotypes, first impressions count, be a good citizen, techniques for managing a diverse age group, and ethical leadership among others.About the Author
Stephen P. Robbins, Ph.D., professor emeritus of management at San Diego State University, is the worlds best-selling author of textbooks in management and organizational behavior. His books are used at more than 1,500 U.S. colleges and universities and have been translated into 19 languages. Robbins has served in management roles for Shell Oil and Reynolds Metals. A member of the USA Masters Track and Field Hall of Fame, he has won 11 individual world Sprint titles and set numerous American and world age-group records.
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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.

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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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?

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

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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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.

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?

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.

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.

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?

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

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.

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

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

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.

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.

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)

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.

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!

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.  ]

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

https://www.facebook.com/Xfinity4College/app_335945729840074

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.

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
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Beam real-time weather data and radio content straight into your boat, whether you're at your favorite lake or miles offshore. This innovative module provides a premium mix of safety and entertainment with your choice of affordable subscriptions. SIRIUS Inland Content features high-resolution, current weather radar images with pinpointed lightning strikes and cross-country weather forecasts. Saltwater anglers will love the SIRIUS Coastal Content for up-to-the-minute weather- and sea-condition reports, including detailed sea-surface temperature forecasts, wave speed and direction, and constantly updated wind conditions. You also can add 120 channels of SIRIUS radio to either package for music, news, NASCAR, NFL and college football. The Easy-to-install antenna.
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
Offer Details:
Purchase and activate a new Lowrance LWX-1 marine weather receiver between February 1, 2013 and June 30, 2013.
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Receive a $99 SiriusXM Visa Prepaid Card from SiriusXM. --------------------------------------------------------------------------------To participate or learn more about the $99 SiriusXM Rebate, go to:
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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

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.

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.

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

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.

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!

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?

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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!

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

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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

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?

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)

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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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

The free Microsoft Xbox promotion applies only to newly funded OptionsHouse customers who initially fund their account within 60 days of completing the application. To be eligible for the free Microsoft Xbox (promotion referred to as a promotional item), 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 XBOX; (2) Make 15 commissionable trades within 90 days after funding your new OptionsHouse account. Note: Commission-free trades do not qualify toward the 15 trades. Fulfillment of the Microsoft Xbox will occur within 30 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 will provide customer shipping and contact information to a third party fulfillment vendor, Links Unlimited. Promotional item will ship directly to customer from the vendor. Links Unlimited will only ship products to addresses within the 50 states, Washington D.C. and APO/FPO military addresses. 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. 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. Microsoft Xbox images are the property of Microsoft Inc. and used with permission. 2012 Microsoft. All rights reserved. Void where prohibited. OptionsHouse reserves the right to debit any account that has received a promotional item and has either closed their account or withdrawn assets below the minimum qualifying funding level within 180 days of original funding date. Accounts receiving a Microsoft Xbox and failing to meet the 180-day funding requirement may be debited $300.00. This promotion expires December 31, 2013.

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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.

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?

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.

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.

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.

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?

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).

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?

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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.

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.

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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?

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.

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

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/

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...

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!

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?

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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

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.

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

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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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?

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!

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.

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

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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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.

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.

http://www.amazon.com/gp/reader/B007GB6R9YTop financial columnist Liz Weston helps you build your credit score -- and your entire financial future! Millions of people now turn to Liz Weston for plain-English, common sense advice on building wealth and financial security in fact, shes now the Internets most read financial columnist! Now, in two remarkable eBooks, Weston delivers indispensable up-to-the-minute guidance for maximizing your all important credit score, simplifying your finances, and getting what you want out of life! In Your Credit Score, Fourth Edition, Weston reveals Crucial new information about protecting (or rebuilding) the three digit number thats now being used by everyone from lenders to potential employers, insurers to cellphone carriers. Weston thoroughly covers new credit laws explains the new FAKO alternative scores offers up-to-the-minute coverage of short sales, foreclosures, and the FICO 8 Mortgage Score helps you protect yourself against new credit risks, fight lower limits and higher rates, rebound from bad credit, and choose credit solutions that help, not hurt! Next, in Easy Money, Weston offers a practical, easy-to-understand guide to taking control of all your personal finances for the rest of your life! Youll walk through all the fundamentals, from investing to retirement and college planning discover new ways to control your spending and reduce your financial services costs learn how to get the most out of your credit cards even learn what to do if youve overspent on your most recent car purchase! Packed with checklists and charts, this easy-to-use book puts you back in charge of your money, where you belong
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Reposting without the erotic e-books. These should all be readable even if you don't have a Kindle or even a Kindle app.1000 Interesting Facts: Fun Facts to Kill Some Time and Have Fun with Your Family
30 Paleo Chiken Recipes - Simple and Easy Paleo Chicken Recipes
(adult title deleted)
A Grim Noel
A Letter to Noah
(adult title deleted)
A Second Chance
A-Z Book of Animal Devotions
Accountants: Stories From People Who've Done It (Careers 101 Kindle Book Series)
Adam Born of Stars: Voyage 1 - Lost at Galaxy's End
Adam and Eve (Conversations Through the Pages - Old Testament)
Always the Designer, Never the Bride: An Emma Rae Creation
Always the Wedding Planner, Never the Bride: An Emma Rae Creation
Top 35 Amazing Cakes Recipes for the Whole Family (The Best New Year's Eve Recipes)
How To Make Amazing Money Writing Articles From Home!
An Englishwoman's Guide to the Cowboy
(adult title deleted)
Angel Fire: The First Book of Fallen Angels
Andy and the Angry Dragon (Bedtime Story Book 1)
99 Answers to Questions about Angels, Demons, and Spiritual Warfare (Second Edition)
As An Angel Might Sleep: Never Turn Away
Asset Protection
Basic Astronomy Concepts Everyone Should Know (With Space Photos)
Attila's Lost Gold
BEHOLD A PALE LIZARD (Wake Up And Smell The Reptiles! Series)
BRITISH POUNDS STERLING, Vol. 7-7.2
Bartholomew (Fells Point Private Investigator Series)
Battered Nation Syndrome
Beatitudes: How to Live a Blessed Life (Daily-Bible-Reading Series)
Beauty and the Beast
Beginner Database Design Using Microsoft SQL Server
Biblical Foundations for the Cell-Based Church
How to Get Rich in the Billion Dollar Info Market without the Gimmicks, Tricks or Fine Print
Black Cow
Brain Spanking - Volume II:
Brian's Here: First Tale from the Hotel Central (Tales from the Hotel Central)
Bridging the Gap from Broke to Success
Kanban, The Kanban guide, For the Business, Agile Project Manager, Scrum Master, Product Owner and Development Support Team
Buy And Sell Gold
Cabernet Sauvignon: Beginners Guide to Wine (101 Publishing: Wine Series)
Captain James Hook and the Curse of Peter Pan
50 Low Carb Brown Bag Lunch Recipes : Easy To Follow & Less Than 30g of Carbohydrates Per Serving (The Green Gourmet)
Carried Away (The FitzRam Family Medieval Romance Series)
The Cartographer ~ 1492 (The Jewish History Novel Series)
Cat secrets
The Dance of the Caterpillars Bilingual Korean English
Chasing Nikki (Chasing Nikki #1)
Chausie Lynx: Screenwriter
Keep Your Child Out Of The School Bully's Target Zone
Christopher and Columbus
From My Slow Cooker To Yours (Slow Cooker Recipes From Dinner To Dessert)
Cookies (Scrumptious Cookies)
Cool and collected Poems - Complete poetry in English
How To Cope..with life (Terry Talks Series)
1,000 Creative Writing Prompts for Seasons: Ideas for Blogs, Scripts, Stories and More
Cynic, Surfer, Saint (Scenic Route to Paradise #1)
Declare Your Life! Rhyming Affirmations For An Unlimited Life
Deep
The Definitive Guide to List Building
Dinner in a Flash (Fast Food From Home)
Dog Next Door, The: And Other Stories of the Dogs We Love
Dog Secrets
Double Trouble
Dreamhackers Vol.1 (Comic Book Graphic Novel)
Dreamhackers Vol.1 (French edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (German edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (Italian edition) (Comic Book Graphic Novel)
Dreams of Steam II Brass and Bolts
(adult title deleted)
Easy to Use Sales Questions
The Effective Business Email Writing Formula in 7 Easy Steps (EasySteps Business English)
El Marsam Cookbook: An Umbrian Farmhouse and its Kitchen
Emprise (The Stream #3)
Energy for Your Life: Think Positive - Ideas You Can Use Daily - Readings, Affirmations & Journal Ideas - One Idea a Day f...
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
Secrets of Extraordinary Salads... Fantastic Salad the Most Diverse Dish in the World (Big, Bold and Delicious Recipe Series)
FREE Business Plan Review - How to obtain a savvy review of your business plan or executive summary free of charge
FURIES : An Ancient Alexandrian Thriller
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
Fishing in Brains for an Eye with Teeth (Thirteen Tales of Terror)
From Belfast to St. Joe: 1838
Fruit Is Not Dessert: Rich Low-Calorie Desserts (Scrumptious Low-Calorie Recipes Cookbook)
Fulfillment of the Cups: Memorize All Cups Cards in Tarot (Article)

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.)
Getting Started with the iPhone for
[L=Ghost Stories [Illustrated]]http://www.amazon.com/Ghost-Stories-Illustrated-ebook/dp/B006B0R...[/L]
Gift Horse: When Death Teaches Perspective
Gifts from the Grandmothers (The Wisdomkeeper Collection)
(adult title deleted)
Glaziers: Stories From People Who've Done It (Careers 101 Kindle Book Series)
The Green Gourmet Perfect Cup Of Tea Book : Tea History & Culture, Teas of the World, Growth & Processing, Blending & Grad...
Lie Down in Green Pastures (The Psalm 23 Mysteries #3)
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
How to Have Your Chocolate and Lose Weight Too! (The Diva Body System)
Heku (The Heku Series)
Hero For Christ: 30 Ways You Can Be More Like Mother Teresa, Martin Luther King Jr., and Twenty More World Changing Christ...
Highland Fling
Home Health Aides: Stories From People Who've Done It: A candid look at a growing industry from education and experience r...
Homemade Christmas gift Ideas: Delicious Candy Arrangements
House of Matches
How to Buy a Fish? A Lesson
How to Do an Agenda: The Quickie Guide (The Quickie Guides)
How to Use Facebook Business Pages
How to Be Motivated: A Blueprint for Increasing Your Motivation (The Personal Transformation Project: Part 1 How to Feel A...
How to Overcome Envy and Jealousy
How to do Requirements for your Project
How To Make Fireworks
HowTo Cope...with life
Huachuca Woman
Human Biology - Lives of Cells
My Human Condition: Work's Exertions & Inspirations: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poe...
Implementation of the Wands: Memorize All Wands Cards in Tarot (Article)
Import Anything From China
27 Most Important Health Questions about Prostate Health: Mainstream, Complementary and Nutritional Answers (27 Most Impor...
Internet Marketing Strategy - For Income, Influence and Impact - Turn Your Passions into Income Online! (Web Marketing, Sm...
Introducing Sara Green
It's Party Time
Japanize Your Amazon Business. Utilize the Power of FBA to Sell Your Products in Japan.
Jennifer's Book of Poetry
Jerusalem Artichoke: Production and Marketing
Jesus Has Arrived: Pre-Rapture, 21st Century
Jesus, Mary, Lazarus, and Child : The Great Secret of the Fourth Gospel
Johnny Came Home (A John Lazarus Adventure)
I Know You Will Find Me
LIZARDS RULE OUR PLANET (Wake Up And Smell The Reptiles! Series)
Lancelot's Lady
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1750
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1749
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1751
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1752
The Lion Vrie (The White Lion Chronicles)
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
Moscato: Beginners Guide to Wine (101 Publishing: Wine Series)
Motherhood?! How to Survive and Thrive After Your First Pregnancy
Mouthwatering Side Dishes From Il Bel Paese (Italian Cuisine)
Murphy at Law: The Power of Negative Thinking
My Creative Writing
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)
One Chance: A Powerful Romantic Suspense Thriller About Family, Friendship, Love, Honor, and Courage.
25 One Pot Meals For Vegetarians - Quick and Easy Dishes You Can Prepare Everyday (Vegetarian Cookbook and Vegetarian Reci...
Paige's Doll-a prequel to Le Twins Wife Series (Prequels to Le Twins Wife Series)
Paul Prescott's Charge
Paul's First Letter to the Corinthians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Paul's Letter to the Philippians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Piercing the Darkness: Undercover with Vampires in America Today
Poison in the Shadows (Crimson Murder Mysteries)
Political Ideals
Pollyanna
How to Pass Professional Designation Exams without Completely Ignoring Your Family
Prosperity Promises: What the Bible says about Wealth, Success, Money And Prosperity
Public School Domestic Science
Pumpkins Aren't Just For Halloween and Other Outlandish Ideas, Recipes and Stories (Easy Cheap Comfort Eats)
What's Your Purple Goldfish? How to Win Customers and Influence Word of Mouth
Put Your Idea on the Shelf
Quick and Easy Breakfast Recipes For One
Quicklet on Eric Weiner's The Geography of Bliss
The Rebel Flag Serial Killer: Book One: Death Row.
The Rebel Who Rose From The Dead. (The Rebel Who...)
Record Collecting in the Digital age
Reign of Silence
Religions of the World: The History of Buddhism
Report on Surgery to the Santa Clara County Medical Society
Rethinking Retirement -How to create the life you want without waiting to retire
Rich Man's Coffin
At Road's End (Pre-Aztec Series, Book 1)
How QR Codes Are Rockin' Businesses Online And Offline
Romy's Garden Adventures (Christmas City)
Lady Rosamond's Secret A Romance of Fredericton
Roses in Winter
Rough Living: Tips and Tales of a Vagabond
Run Away
SEAL Endeavor (SEAL Brotherhood)
STANLEY'S
Sabor Latino: Flavors from Cuba, Mexico & Spain
30 Savory Scrumptious Seafood Dips
Sea to Eternity: Treasury of Inspirational Poetry
Search for the Bark Warwick (Warwick Saga)
What Is The Secret of Gratitude?-How to Attain an Attitude of Gratitude (What Is?)
Seed of Avraham - The 4000 Year History of the Jewish Family
Selma at 4 A.M.
Shades of Gray: A Novel of the Civil War in Virginia
Shear Terror (Wool Fanfiction)
25 Simple Casserole Recipes for Any Occasion
Simple Spiritual Solution: How to Create Happiness and Health
Simply Delicious Vegetable Soups
Slow Cooker Meals (Working Mom Easy Slow Cooker Meals)
(adult title deleted)
(adult title deleted)
Is SMO the New SEO? The Rise of Social Media Optimization (Social Caffeine)
Soup and Stew Recipes
Mama's Southern Cookbook-28 Old Fashioned Cake Recipes From Scratch
Star Force: Inception (SF1)
Still Chattel After All These Years (Still Chattel Collection)
(adult title deleted)
(adult title deleted)
Story Design: Storyteller's Handbook for Writers and Dream Merchants
Stressed Out Moms' Devotions to Go
Struggles
60 Top Tips for Successful Freelancing (Business Matters)
Superfoods And Their Benefits
Healthy Secrets Superfoods Recipes (Incredibly Healthy & Delicious Collection)
Surviving Unemployment Devotions to Go
Swan Place
Sweet Tooth Diva Devotions to Go
Switch!
Tales of Occult Horror: Real-life Encounters with the Supernatural
Taste of Korean Food and Thought
The Abduction of Mary Rose
The Assassins Code (The Assassins Journey)
The Book of Joseph
The Call of Zulina: Book One in Grace in Africa
The Confessions of Queen Cinderella
The Dropshipping Guide: How to Start Your Dropshipping Business Without the Learning Curve
The Ganesha Keystone
The 10 Habits of Successful Writers
The Hedgehog Princess
The History of Napoleon Buonaparte
The Homemade Cook: Homemade French Sauces - Quick & Easy Dinner Sauces and Recipes to make any meal lip-smacking
The Hope of Shridula: Blessings in India Book #2
The Incubus
The KKK Coincidence: A True Story
The Kincaids
The Lady Luna Wicca 4 in 1
The Life of a Colonial Fugitive
The Loch Lass: The Discs of Caledonia Highlander Romance Series Part I
The Lost Ark
The Lost Canvas
The Nigerian Tragedy
The Pastor's Pen: Eating from the Tree of Life
The Pattern & The Glory
The Poetry of Seraena
The Race for Money: Investment Ideas
The Shopping Swap
The Star of Christmas
The T.A.S.S.L.E. Plan
The Texicans
The Ticket
The Tube Riders
The Twilight Years - book 2, the twilight years
The Wooden Box (The Goode Family)
The Woods of Smyrna
30 Things You Should & 30 Things You Should Not Be Doing To Yourself
Thirty Seven Ideas For Tactical Managers*: *Improve Your Project and Process Management Skills!
This Time You Lose
Thoughts of A Common American: I've Had Enough!
Time Management: A Holistic Approach
Top Tips for How to Publish and Market Your Book in the Age of Amazon: 3 Top Tips Books in 1

Back in College I worked at a mail boxes etc. The owner asked me to become a notary public so I could notarize stuff for customers. I filled in some forms and went to the city hall and took an oath. For several years I notarized documents, the store was paid for it, it was just part of my job . When I left the job I left the notary journal at the store.Out of the blue I got a call from somebody looking for proof of something I notarized in 2005. His lawyer called me at work, and he called me on my cell phone. During the conversation he was pushy and already seemed to know a lot about me, where I worked, where my parents lived, where I went to school etc. He has visited the store several times and nobody can find the journal. I talked to the store owner and he knew all this information before ever visiting the store.Young and stupid, but after reading the law it looks like I was supposed to maintain possession of the journal, even if I was notarizing for someone else. Im also reading all these horror stories about notaries being held liable for damages. Im planning on notifying the secretary of state that the journal has been lost. Should I contact a lawyer?

chegg is an excellent online book rental/buy/sell place for college students. They have great prices and can save you hundreds of $$$ each semester, and offer free return shipping on all rented textbooks! Now you can save another 10%. They are offering a "Sugar Plum and chegg Treats" Holiday savings coupon for 10% off the first 5,000 orders on textbook rental/purchase if you like them on Facebook at this link:http://che.gg/RngVLXTo save you the "liking", the code is: CHEGGTREATSIf the code is used more than 5,000 times, it drops to 5% off. Coupon expires Jan 1, 2013.Get your Spring Term books ordered and save $$$!!!
Chegg Coupons

Had a discussion with a co-worker the other day about my son getting a job offer for when he graduates in May (hooray!) and how I will be able to remove him from my health insurance the month after he starts the job and his insurance kicks in. My co-worker (who is well paid but admittedly not a money person and has his wife handle everything) told me that he thought they had left their son (now 25) on their employer-provided insurance policy and would be able to until next year thanks to Obamacare. I spoke to him again today and he confirmed that was the case, that their son was still on their policy, even though he has a full-time job. He wasn't at all concerned that this made no sense given that I'm sure they pay the full cost of the insurance with no subsidization since he is over 21 and not a student, while the son would presumably get much cheaper insurance from his own job. The kid still lives at home and the parents pay for his food, etc. at home.Is there anyone else out there who still pays for their employed children's health insurance if they can get it on their own? I know when my daughter got a full-time job after graduating, I had her off my policy as soon as her insurance kicked in. I could understand if the child is unemployed or has a job that does not provide insurance, but I can't imagine why anyone wouldn't, unless there are some medical issues and the parent's insurance is that much better (which is not the case there). Is it even allowed under the terms of the law?

NEW FOR 2013
============
GATEKEEPER BAT-WINGED ROLLER COASTER - SPECIFICS
GATEKEEPER VIDEO - YOU TUBE
CEDAR POINT RESORTS GETTING $60 MILLION OVERHAUL FOR 2013-14, No New Buildings will be added. 
CEDAR POINT VIDEOS
==================
Tour of Cedar Point - June 2012 (1)
Cedar Point Lip Dub to Carly Rae Jepsen's Call Me Maybe (5)
Cedar Point Giant Ferris Wheel Light Show #1 - Electronic Music (4)
Cedar Point Giant Ferris Wheel Light Show #2 - Electronic Music (4)
Cedar Point's Luminocity (1)
Space Spiral Tribute Video (2)
Space Spiral Demolition Video (3)VIDEO CREDITS
(1) CoasterBob62
(2) Flymd11, Nathan Tenney
(3) Zack Yutzey
(4) Dabigar
(5) Cedar Point
2013 OPENING DATES
==================
CASTAWAY BAY INDOOR WATERPARK.......OPEN YEAR-ROUND
CEDAR POINT.........................MAY 11, 2013....10:00 AM
SOAK CITY...........................MAY 25, 2013....11:00 AM
CHALLENGE PARK......................TBA SPECIAL NOTICE:
===============
Windseeker is indefinitely closed until further notice at ALL US/CANADA Cedar Fair Parks
Cedar Point charges a $5.00 Fee per online transaction.
CEDAR POINT REGULAR PRICES - 2013 SEASON
=======================================================
KIDS/ADULTS OVER 4 FEET TALL...................$54.99*
MILITARY w/ID..................................$36.99* (FREE JULY 4-5, 2013)
SENIORS........................................$29.99*
KIDS/ADULTS UNDER 4 FEET TALL..................$29.99*
KIDS 2 & UNDER.................................FREE
DINOSAUR ALIVE (NEW,OPTIONAL)..................$05.00* + GATE ADMISSION
* There is NO Discounts for Non-Riders. Scroll below for DISCOUNT TICKETS 
CASTAWAY BAY TICKETS - 2013 SEASON
==================================
AGES 3+ PAY INADVANCE ONLINE...............$25.00 - Click Daily
AGES 3+ PAY AT DOOR...........................$29.00
BABY..........................................FREE 
DAILY PARKING FEE - PAY ONLINE OR PARK**
========================================
CLICK PARKING TO PURCHASE PARKING
CARS..............................$15.00
MOTORCYCLES.......................$15.00
HANDICAPPED PARKING W/PERMIT......$15.00
VANS/TRUCKS.......................$20.00
CAMPERS...........................$20.00
TRAILERS..........................$20.00
CARS - VALET PARKING..............$25.00
PLATINUM PASS HOLDERS.............FREE
CORPORATE - BUSES.................FREE (1)**Daily parking fees includes a $.50 toll charge. (1) BUS DRIVER w/ 15 passengers showing Valid CDL License gets FREE Parking AND FREE Admission, Not valid on Vans. 

CEDAR POINT RESORTS DISCOUNT TICKETS
====================================
ADULTS..........$32.00 PER PERSON - SAVE $22.00 PER PERSON
KIDS/SENIORS....$21.00 PER PERSON - SAVE $08.00 PER PERSON*STAY AT ANY CEDAR POINT RESORT REQUIRED BELOW, C.P. Admission for Children 2 & under are FREE. Includes 1 Hour Early entry into park.CONSTRUCTION NOTICE: CEDAR POINT RESORTS IS DOING AN $60 MILLION REMODELING ON THEIR PROPERTIES 2013-14 SEASON, EXPECT LIMITED SERVICES, LIMITED PARKING & NOISES AT ALL HOURS OF THE DAY.* Hotel Breakers (2)
* Sandcastle Suites (2)
* Lighthouse Point (3)
* Camper Village (3)
* Breakers Express (3)
* Castaway Bay (3)(2) Reviews courtesy of yelp.com
(3) Reviews courtesy of tripadvisor.com
2013 RESORT TICKET DISCOUNT LINKY
2013 HOTEL DISCOUNTS LINKY 
2013 PLATINUM SEASON PASS - ALL PARKS & FREE PARKING - US/CANADA
================================================================
Your Cedar Fair Platinum Pass is valid for unlimited season-long admission* ■ Cedar Point.............................Sandusky, Ohio
■ Soak City...............................Sandusky, Ohio
■ Kings Island............................Kings Mills, Ohio
■ Wildwater Kingdom.......................Aurora, Ohio
■ Michigan's Adventure....................Muskegon, Michigan
■ Kings Dominion..........................Doswell, Virginia
■ Carowinds...............................Charlotte, North Carolina
■ Dorney Park & Wildwater Kingdom.........Allentown, Pennsylvania
■ Worlds Of Fun...........................Kansas City, Missouri
■ Oceans Of Fun...........................Kansas City, Missouri
■ Valleyfair..............................Shakopee, Minnesota
■ Gilroy Gardens..........................Gilroy, California
■ California's Great America..............Santa Clara, California
■ Knotts Berry Farm......................Buena Park, California
■ Knott's Soak City Palm Springs..........Palm Springs, California
■ Knott's Soak City Chula Vista...........San Diego, California
■ Knott's Soak City Orange County.........Buena Park, California
■ Canada's Wonderland.....................Vaughan, Ontario CANADA
** SPECIAL - Buy Now, Pay Later! No payments until April 01, 2013!
This year, stuff their stockings with more than 150 rides, shows and attractions, including the NEW record-breaking wing coaster, GateKeeper! Order now and get immediate access to a printable holiday gift and your credit card doesn't get charged until April 1, 2013!Your Pass includes: Additional MEMBER ONLY BONUSES include: Free Parking at all Parks (See normal parking prices above), 1 Hour Ride Entry Before Park Opens to Public, 1 Hour Ride Entry after park closes (Select Dates), Family/Friend Ticket Discounts (Select Dates), Member Discounts on Games, Meals, Drinks, Hotel. 50% Off RipCord, Skyscraper, Challenge Golf, Challenge Racing, Northcoast Parasail. Children 2 & under are FREE. 2013 Platinum Passes are valid January 1, 2013 - December 31, 2013. Platinum Passes are not valid at any seasonal events (example: concerts) at which an additional admission fee is charged.
PRICES PER PERSON
=================
$169.00....2013 Cedar Fair Platinum Pass ADULTS** - Height Over 4 Feet
$099.00....2013 Cedar Fair Platinum Pass SENIORS - Age 62+
$099.00....2013 Cedar Fair Platinum Pass JUNIORS - Height Under 4 Feet

2013 Season Pass Questions - Click Here  2013 CEDAR POINT ONLY SEASON PASS
=================================
The Cedar Point Season Pass is valid for unlimited 2013 season-long admission to CEDAR POINT ONLY. May 11 - October 28, 2013. It does NOT include parking (See prices above), perks or admission to Soak City or other Cedar Fair parks across the U.S. and Canada. RATES PER PERSON
================
$109.99..........2013 Cedar Point Season Pass ADULTS - Height Over 4 Feet
$074.99..........2013 Cedar Point Season Pass SENIORS - Age 62+
$074.99..........2013 Cedar Point Season Pass JUNIORS - Height Under 4 Feet2013 Season Pass Questions - Click Here 
CEDAR POINT GROUP TICKETS DISCOUNTS
===================================
MARCHING BANDS....Click Here
CHOIRS............Click Here
SCHOOL GROUPS.....Click Here
GROUP HOTEL ACCOMMODATIONS - Stay close to the action with the Cedar Point Resorts! Discounted packages are available. For more information, call 419.609.5669 or click "I'm interested in overnight accommodations" when you place your online ticket order and they'll contact you! 
GROUP CATERED MEALS - ALL YOU CAN EAT
=====================================
SCHOOL GROUPS.........$10.25 + 6.5% TAX......Minimum 025 people
SMALL GROUPS..........$11.50 + 6.5% TAX......Minimum 025 people
CORPORATE.............Varies.................Minimum 150 PeopleTickets/Catered events are served for 1 hour in the Coral Dining Room 3 Weeks Advance reservations & Payment is required.
GROUP MEAL VOUCHERS - Give your group the flexibility of eating what they want, when they want. Pay one low price and your group can choose one of our four delicious meals available at select locations. Minimum purchase of 15 meal vouchers per day. Meal vouchers are $9.99+TAX per person. Download our meal voucher information here. GROUP DRINK WRISTBANDS - Quench your thirst with an all-you-can-drink wristband. Show your wristband at select locations and receive FREE Pepsi fountain beverages all day long (includes all carbonated and non-carbonated beverages dispensed from the fountain). Drink wristbands are available to GROUPS ONLY and must be purchased for the entire group. Quantity must be equal to or greater than the amount of tickets purchased. Not sold individually. All-You-Can-Drink Wristbands are $7.00 per person, plus tax. (Regular price for 1 Large Drink is $4.00+Tax.) *plus 6.5% Ohio State Sales Tax. If your group is entitled to tax exemption for food, a copy of your organizations sales tax exemption certificate must be provided when making your reservation for your trip. 
STUDENT GROUPS OVERNIGHT PACKAGE
================================
Student groups can save when they package their Cedar Point Admission, meals and overnight stays all into one. We offer perks no other hotel can offer! * Price is based on four people per room and do not include taxes. Prices vary depending on day of week, date of visit and availability.Packages starting at only $75.99* per person include:
1 - Overnight Stay
1 - One Day Cedar Point Ticket
1 - Admission to Dinosaurs Alive!
1 - Early Entry to Cedar Point
1 - Delicious Pizza All-You-Can-Eat Buffet
1 - Hot Breakfast All-You-Can-Eat Buffet OTHER DISCOUNT OPTIONS
======================BLOOD CENTERS.................Donate Blood and receive FREE Cedar Point Ticket(s) as well as other Freebies. Select Blood Centers Click here
AAA (American Automobile Assoc). Member Ticket Discounts in their Travel Department, Also available online. Not available thru Cedar Point box office.
MILITARY DISCOUNT..............$36.99 Per Person (Free Admission on special select dates and discounts for family members watch here for updates.) Valid ID required. Discount applies to active, retired or honorably discharged military personnel and immediate family members. Discount must be purchased in person. Types of Military ID's include: Active Duty ID, Retired Personnel ID, VA Medical System Picture ID OR copy of DD-214 discharge papers (please do not bring the original) along with a photo ID (drivers license, etc) for confirmation.
SENIOR DISCOUNT................$29.99 Valid ID required, Age 62+meijer STORES..................Coupons/Purchase Tickets at Customer Service Desk.
KROGER STORES..................Coupons/Purchase Tickets at Customer Service Desk.SUBWAY RESTAURANTS.............Coupons/Purchase Tickets at Cash Register.eBay AUCTIONS..................Several people will sell their unused tickets for a savings to you.
PARKS & RECREATION CENTERS....Several cities offer a discount whether or not your a resident of their cityNEAR-BY HOTELS................Hotels near Cedar Point want your business too, They will offer discount and even Free tickets based on the number of nights of stay.SANDUSKY TOURISM BUREAU.......Discount book for Cedar Point.BURGER KING RESTRAUNTS........Located in NorthEast Ohio offer Cedar Point Ticket Coupons for $44.99 at counter inside restaurant.CREDIT UNIONS.................Offer discounted tickets to its members.CEDAR POINT GROUP SALES......Several options here, For every 15 people who are paid-in-advance, You can receive 1 (one) Free Cedar Point Ticket a savings of $54.99 Each Ticket. for more info go to: LINKYCEDAR POINT RESORT DISCOUNTS..http://resorts.cedarpoint.com/public/packages.cfmCEDAR POINT GETAWAY GUIDE.....C.P. Coupons for all ages, Tickets, Food, Games, Hotel, everything. register online 3 weeks to arrive or contact: 1-419-627-2350. Getaway Guide will come by U.S. Snail Mail.
http://www.cedarpoint.com/public/visit/brochures.cfmREST AREA TRAVEL BUREAU.......Open during the day on select weekends offering discount tickets (OH,MI,KY)GOOGLE.COM....................Type in "Cedar Point Amusement Discount Tickets" for great discounts.CONTESTS / GIVEAWAYS..........Local Radio Stations give away Free tickets if you are picked, look under contests or giveaways thru Radio Station website/Google/Yahoo Search.COUPONS BY MAIL/ONLINE........Cedar point advertises heavily thru Coupon companies both by mail and online (MI,OH,IN)COLLEGE DISCOUNTS.............Participating colleges offer discounts to their students and family members.  CEDAR POINT JOBS LINKS
======================
SUMMER JOBS (MAY-AUGUST)
HALLOWEEKEND JOBS (AUGUST-OCTOBER) - Job Code 613: Screamster
YEAR-ROUND JOBS (JANUARY-DECEMBER)LIVE AUDITIONS JOBS (MAY-OCT)
NON-PROFIT ORGANIZATIONS FUNDRAISER JOBS MAY-OCTOBER
JOBS - FREQUENT QUESTIONS OTHER CEDAR POINT'S USEFUL LINKS
================================
CEDAR POINT FREQUENT QUESTIONSTRIP TIPSCEDAR POINT LIVE WEB CAM - YEAR ROUNDLEARN ABOUT THE HISTORY OF CEDAR POINT INCLUDING THRILL RIDES - INFO COURTESY OF: WikipediaGUESTS WITH SPECIAL NEEDS / DISABILTIES - INFORMATIONGUEST AMENTIES - Family Care Center, KidTrack, Parent Swap, Rentals, Lockers, Pet Chek
CEDAR POINT AMUSEMENT PARK
1 Cedar Point Drive
Sandusky, OH 44870
PHONE.....1-419-627-2350
TTY.......1-800-750-0750
Google Maps

NEW FOR 2013
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GATEKEEPER BAT-WINGED ROLLER COASTER - SPECIFICS
GATEKEEPER VIDEO - YOU TUBE
CEDAR POINT RESORTS GETTING $60 MILLION OVERHAUL FOR 2013-14, No New Buildings will be added. 2013 OPENING DATES
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CASTAWAY BAY INDOOR WATERPARK.......OPEN YEAR-ROUND
CEDAR POINT.........................MAY 11, 2013....10:00 AM
SOAK CITY...........................MAY 25, 2013....11:00 AM
CHALLENGE PARK......................TBA SPECIAL NOTICE:
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Windseeker is indefinitely closed until further notice at ALL US/CANADA Cedar Fair Parks
Cedar Point charges a $5.00 Fee per online transaction.
CEDAR POINT REGULAR PRICES - 2013 SEASON
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KIDS/ADULTS OVER 4 FEET TALL...................$54.99*
MILITARY w/ID..................................$36.99* (FREE JULY 4-5, 2013)
SENIORS........................................$29.99*
KIDS/ADULTS UNDER 4 FEET TALL..................$29.99*
KIDS 2 & UNDER.................................FREE
DINOSAUR ALIVE (NEW,OPTIONAL)..................$05.00* + GATE ADMISSION
* There is NO Discounts for Non-Riders. Scroll below for DISCOUNT TICKETS 
CASTAWAY BAY TICKETS - 2013 SEASON
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AGES 3+ PAY INADVANCE ONLINE...............$25.00 - Click Daily
AGES 3+ PAY AT DOOR...........................$29.00
BABY..........................................FREE 
DAILY PARKING FEE - PAY ONLINE OR PARK**
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CLICK PARKING TO PURCHASE PARKING
CARS..............................$15.00
MOTORCYCLES.......................$15.00
HANDICAPPED PARKING W/PERMIT......$15.00
VANS/TRUCKS.......................$20.00
CAMPERS...........................$20.00
TRAILERS..........................$20.00
CARS - VALET PARKING..............$25.00
PLATINUM PASS HOLDERS.............FREE
CORPORATE - BUSES.................FREE (1)**Daily parking fees includes a $.50 toll charge. (1) BUS DRIVER w/ 15 passengers showing Valid CDL License gets FREE Parking AND FREE Admission, Not valid on Vans. 

CEDAR POINT RESORTS DISCOUNT TICKETS
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ADULTS..........$32.00 PER PERSON - SAVE $22.00 PER PERSON
KIDS/SENIORS....$21.00 PER PERSON - SAVE $08.00 PER PERSON*STAY AT ANY CEDAR POINT RESORT REQUIRED BELOW, C.P. Admission for Children 2 & under are FREE. Includes 1 Hour Early entry into park.* Hotel Breakers (2)
* Sandcastle Suites (2)
* Lighthouse Point (3)
* Camper Village (3)
* Breakers Express (3)
* Castaway Bay (3)(2) Reviews courtesy of yelp.com
(3) Reviews courtesy of tripadvisor.com
2012 RESORT TICKET DISCOUNT LINKY
2012 HOTEL DISCOUNTS LINKY 
2013 PLATINUM SEASON PASS - ALL PARKS & FREE PARKING - US/CANADA
================================================================
Your Cedar Fair Platinum Pass is valid for unlimited season-long admission* ■ Cedar Point.............................Sandusky, Ohio
■ Soak City...............................Sandusky, Ohio
■ Kings Island............................Kings Mills, Ohio
■ Wildwater Kingdom.......................Aurora, Ohio
■ Michigan's Adventure....................Muskegon, Michigan
■ Kings Dominion..........................Doswell, Virginia
■ Carowinds...............................Charlotte, North Carolina
■ Dorney Park & Wildwater Kingdom.........Allentown, Pennsylvania
■ Worlds Of Fun...........................Kansas City, Missouri
■ Oceans Of Fun...........................Kansas City, Missouri
■ Valleyfair..............................Shakopee, Minnesota
■ Gilroy Gardens..........................Gilroy, California
■ California's Great America..............Santa Clara, California
■ Knotts Berry Farm......................Buena Park, California
■ Knott's Soak City Palm Springs..........Palm Springs, California
■ Knott's Soak City Chula Vista...........San Diego, California
■ Knott's Soak City Orange County.........Buena Park, California
■ Canada's Wonderland.....................Vaughan, Ontario CANADA
** SPECIAL - Buy Now, Pay Later! No payments until April 01, 2013!
This year, stuff their stockings with more than 150 rides, shows and attractions, including the NEW record-breaking wing coaster, GateKeeper! Order now and get immediate access to a printable holiday gift and your credit card doesn't get charged until April 1, 2013!Your Pass includes: Additional MEMBER ONLY BONUSES include: Free Parking at all Parks (See normal parking prices above), 1 Hour Ride Entry Before Park Opens to Public, 1 Hour Ride Entry after park closes (Select Dates), Family/Friend Ticket Discounts (Select Dates), Member Discounts on Games, Meals, Drinks, Hotel. 50% Off RipCord, Skyscraper, Challenge Golf, Challenge Racing, Northcoast Parasail. Children 2 & under are FREE. 2013 Platinum Passes are valid January 1, 2013 - December 31, 2013. Platinum Passes are not valid at any seasonal events (example: concerts) at which an additional admission fee is charged.
PRICES PER PERSON
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$169.00....2013 Cedar Fair Platinum Pass ADULTS** - Height Over 4 Feet
$099.00....2013 Cedar Fair Platinum Pass SENIORS - Age 62+
$099.00....2013 Cedar Fair Platinum Pass JUNIORS - Height Under 4 Feet

2013 Season Pass Questions - Click Here  2013 CEDAR POINT ONLY SEASON PASS
=================================
The Cedar Point Season Pass is valid for unlimited 2013 season-long admission to CEDAR POINT ONLY. May 11 - October 28, 2013. It does NOT include parking (See prices above), perks or admission to Soak City or other Cedar Fair parks across the U.S. and Canada. RATES PER PERSON
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$109.99..........2013 Cedar Point Season Pass ADULTS - Height Over 4 Feet
$074.99..........2013 Cedar Point Season Pass SENIORS - Age 62+
$074.99..........2013 Cedar Point Season Pass JUNIORS - Height Under 4 Feet2013 Season Pass Questions - Click Here 
CEDAR POINT GROUP TICKETS DISCOUNTS
===================================
MARCHING BANDS....Click Here
CHOIRS............Click Here
SCHOOL GROUPS.....Click Here
GROUP HOTEL ACCOMMODATIONS - Stay close to the action with the Cedar Point Resorts! Discounted packages are available. For more information, call 419.609.5669 or click "I'm interested in overnight accommodations" when you place your online ticket order and they'll contact you! 
GROUP CATERED MEALS - ALL YOU CAN EAT
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SCHOOL GROUPS.........$10.25 + 6.5% TAX......Minimum 025 people
SMALL GROUPS..........$11.50 + 6.5% TAX......Minimum 025 people
CORPORATE.............Varies.................Minimum 150 PeopleTickets/Catered events are served for 1 hour in the Coral Dining Room 3 Weeks Advance reservations & Payment is required.
GROUP MEAL VOUCHERS - Give your group the flexibility of eating what they want, when they want. Pay one low price and your group can choose one of our four delicious meals available at select locations. Minimum purchase of 15 meal vouchers per day. Meal vouchers are $9.99+TAX per person. Download our meal voucher information here. GROUP DRINK WRISTBANDS - Quench your thirst with an all-you-can-drink wristband. Show your wristband at select locations and receive FREE Pepsi fountain beverages all day long (includes all carbonated and non-carbonated beverages dispensed from the fountain). Drink wristbands are available to GROUPS ONLY and must be purchased for the entire group. Quantity must be equal to or greater than the amount of tickets purchased. Not sold individually. All-You-Can-Drink Wristbands are $7.00 per person, plus tax. (Regular price for 1 Large Drink is $4.00+Tax.) *plus 6.5% Ohio State Sales Tax. If your group is entitled to tax exemption for food, a copy of your organizations sales tax exemption certificate must be provided when making your reservation for your trip. 
STUDENT GROUPS OVERNIGHT PACKAGE
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Student groups can save when they package their Cedar Point Admission, meals and overnight stays all into one. We offer perks no other hotel can offer! * Price is based on four people per room and do not include taxes. Prices vary depending on day of week, date of visit and availability.Packages starting at only $75.99* per person include:
1 - Overnight Stay
1 - One Day Cedar Point Ticket
1 - Admission to Dinosaurs Alive!
1 - Early Entry to Cedar Point
1 - Delicious Pizza All-You-Can-Eat Buffet
1 - Hot Breakfast All-You-Can-Eat Buffet OTHER DISCOUNT OPTIONS
======================BLOOD CENTERS.................Donate Blood and receive FREE Cedar Point Ticket(s) as well as other Freebies. Select Blood Centers Click here
AAA (American Automobile Assoc). Member Ticket Discounts in their Travel Department, Also available online. Not available thru Cedar Point box office.
MILITARY DISCOUNT..............$36.99 Per Person (Free Admission on special select dates and discounts for family members watch here for updates.) Valid ID required. Discount applies to active, retired or honorably discharged military personnel and immediate family members. Discount must be purchased in person. Types of Military ID's include: Active Duty ID, Retired Personnel ID, VA Medical System Picture ID OR copy of DD-214 discharge papers (please do not bring the original) along with a photo ID (drivers license, etc) for confirmation.
SENIOR DISCOUNT................$29.99 Valid ID required, Age 62+meijer STORES..................Coupons/Purchase Tickets at Customer Service Desk.
KROGER STORES..................Coupons/Purchase Tickets at Customer Service Desk.SUBWAY RESTAURANTS.............Coupons/Purchase Tickets at Cash Register.eBay AUCTIONS..................Several people will sell their unused tickets for a savings to you.
PARKS & RECREATION CENTERS....Several cities offer a discount whether or not your a resident of their cityNEAR-BY HOTELS................Hotels near Cedar Point want your business too, They will offer discount and even Free tickets based on the number of nights of stay.SANDUSKY TOURISM BUREAU.......Discount book for Cedar Point.BURGER KING RESTRAUNTS........Located in NorthEast Ohio offer Cedar Point Ticket Coupons for $44.99 at counter inside restaurant.CREDIT UNIONS.................Offer discounted tickets to its members.CEDAR POINT GROUP SALES......Several options here, For every 15 people who are paid-in-advance, You can receive 1 (one) Free Cedar Point Ticket a savings of $54.99 Each Ticket. for more info go to: LINKYCEDAR POINT RESORT DISCOUNTS..http://resorts.cedarpoint.com/public/packages.cfmCEDAR POINT GETAWAY GUIDE.....C.P. Coupons for all ages, Tickets, Food, Games, Hotel, everything. register online 3 weeks to arrive or contact: 1-419-627-2350. Getaway Guide will come by U.S. Snail Mail.
http://www.cedarpoint.com/public/visit/brochures.cfmREST AREA TRAVEL BUREAU.......Open during the day on select weekends offering discount tickets (OH,MI,KY)GOOGLE.COM....................Type in "Cedar Point Amusement Discount Tickets" for great discounts.CONTESTS / GIVEAWAYS..........Local Radio Stations give away Free tickets if you are picked, look under contests or giveaways thru Radio Station website/Google/Yahoo Search.COUPONS BY MAIL/ONLINE........Cedar point advertises heavily thru Coupon companies both by mail and online (MI,OH,IN)COLLEGE DISCOUNTS.............Participating colleges offer discounts to their students and family members.  CEDAR POINT JOBS LINKS
======================
SUMMER JOBS (MAY-AUGUST)
HALLOWEEKEND JOBS (AUGUST-OCTOBER) - Job Code 613: Screamster
YEAR-ROUND JOBS (JANUARY-DECEMBER)LIVE AUDITIONS JOBS (MAY-OCT)
NON-PROFIT ORGANIZATIONS FUNDRAISER JOBS MAY-OCTOBER
JOBS - FREQUENT QUESTIONS OTHER CEDAR POINT'S USEFUL LINKS
================================
CEDAR POINT FREQUENT QUESTIONSTRIP TIPSCEDAR POINT LIVE WEB CAM - YEAR ROUNDLEARN ABOUT THE HISTORY OF CEDAR POINT INCLUDING THRILL RIDES - INFO COURTESY OF: WikipediaGUESTS WITH SPECIAL NEEDS / DISABILTIES - INFORMATIONGUEST AMENTIES - Family Care Center, KidTrack, Parent Swap, Rentals, Lockers, Pet Chek
CEDAR POINT AMUSEMENT PARK
1 Cedar Point Drive
Sandusky, OH 44870
PHONE.....1-419-627-2350
TTY.......1-800-750-0750
Google Maps

Background: I am in my early 50s with two children still at home ages 16 and 12. My husband is also 52. He is chronically obese and has several health problems related to this. Does not look that after 12 years he is going to do anything about it. I have a chronic autoimmune disease that limits my income production. I could file for SSDI but choose to work part-time instead. It brings in more money and I had rather work, but it does limit my income. Husband has life insurance through work, but the highest rate that can be purchased is not enough. I need to purchase an term life insurance policy that would take me through my 12 yo getting through college. I know the rate will be high because of his obesity, but I need that safety net. Have done some searches but none have been very satisfactory. Anyone have any advice for me?

http://www.amazon.com/Bleed-Cubbie-Blue-Decades-ebook/dp/B00AGME...Why would anyone root for a team that hasnt been in a World Series since 1945 and hasnt won one since 1908, has had just 20 winning seasons since 1939, and plays in a ballpark thats nearly a century old and is falling apart? I Bleed Cubbie Blue, a memoir of one fans six-decade love affair with the Chicago Cubs, offers a charming and compelling answer to this burning question. Combining personal memories and reflections with meticulous research, native Chicagoan Doug Erlandson describes his lifelong affection for a team that has raised but ultimately crushed his hopes countless times, a team to which he remains intensely loyal after nearly sixty years of fandom. Beginning with a description of the first game he attended in 1954 (a loss, of course, to the New York Giants), he weaves highlights from every season from the late-1950s through 2012 with detailed descriptions of significant games, front-office follies, trades (some of which should never have been made, others of which turned out to be sheer genius), as well as the individual players (from the great to the incompetent) who toiled in a Cubs uniform during this period. I Bleed Cubbie Blue provides often humorous, sometimes tongue-in-cheek, but always accurate commentary on P.K. Wrigleys college of coaches, the Brock-Broglio trade (which, according to Erlandson, did not seem like such a bad trade the day it was made), the collapse in 1969 (which still ranks as quintessential of all Cubs swoons), why Leo Durocher was a great manager (and why he was not), the lean years of the Seventies and early Eighties, the wonderfully giddy year of 1984 (along with a detailed account of the two most important games of the season), a year that ultimately resulted in the second Great Disappointment (the first being 1969), the improbable divisional championship of 1989, why Kerry Woods fifth Major League start was and remains the greatest pitching performance of all times, why Steve Bartman was not to blame for the Cubs loss in the 2003 playoffs, and much, much more.
Along the way I Bleed Cubbie Blue describes bizarre plays (such as Cal Neemans unlikely inside-the-park homerun when Bob Skinner forgot what inning it was), the tragic death of Ken Hubbs at age 22, the pitcher who claimed he pitched in a hypnotic trance, Jack Brickhouses call of an around-the-horn triple play (before it happened!), the unintentionally funny moments with Harry Caray in the broadcast booth, and the most memorable performances by guest conductors during the seventh-inning stretch.
A comment from the Epilogue sums up Erlandsons reason for writing this memoir: Whether in winning or losing, the Cubs have provided me with countless memories that are as wonderful and as fresh as the beautifully-manicured baseball diamond that has anchored the northeast corner of Addison and Clark for a hundred years.

A little background: Long time reader, first time poster. I just turned 24 and graduated from college about a year and a half ago with a Bachelors in Computer Information Systems. During college I did both web design and helpdesk/desktop technician work at my university. Despite the job experience, I had a tough time finding anything that paid decently when I job hunted from May-December 2011. By December I had grown discouraged, so I decided to look for freelance work. In January I found a full-time gig as a telecommuting project manager/writer for a small web development firm in Toronto. I've now been working in this role for 11 months, though only 10 of them have been full-time. While I enjoy the work and am paid ok for a single person living in Michigan (pay this year will be roughly $25,000 and should be higher next year), I've still got my eye on the future and where I want to be career-wise in a year or two.There's two things I dislike about this job. The first are all of the taxes I have to pay as a self-employed individual--this year it won't be too bad, but next year is sure to be more expensive as my income will rise. The second is that there are (obviously) no benefits--right now this isn't a huge problem as I am on my dad's excellent health insurance plan, but I'm already looking ahead to 2015 when I age out of it. I've already looked into health insurance and can see that there's a huge increase in rates when a woman turns 26 (presumably the prime "child bearing" years). Obviously, I know most employers aren't going to give the generous insurance that my dad's employer did, but it'd be nice to not have to entirely shoulder the burden on my own.I should also mention that I have student loans and debt. Yes, I've made some STUPID mistakes in the past, but I am doing my best to recover from those. Last year I owed nearly $13,000 in cc debt and was past due on all accounts; now I owe $9500, am current, my credit score is finally recovering and I will be out of cc debt by 2015 at the very latest, if not 2014 if I can throw some extra money at the debt. I have about $24,000 in federal loans that are currently on the income based repayment plan (essentially, given my past income, I will not have to begin paying anything on these until February 2014) and $4200 in loans that I've already began to repay.My monthly expenses are a bit on the high side for someone that still lives at home--factoring in bills, food, vet expenses, the debt and tax withholdings/payments, I need to pull in at least $1600 per month to live comfortably; $2500 per month to pay extra towards my debt and start building up a decent savings account. I don't own a car at the moment and share a newer model one with my mom and am on their insurance plan.Considering all this, I'm left with a couple of options:(1) Keep freelancing but take on additional work to raise my monthly income to $2500 after taxes.
(2) Find a full-time job around here with benefits that pays $2500 per month after taxes--or around that and continue to freelance to make up the difference.The thing that worries me about continuing to freelance is will this make me unemployable in the future? I know some employers do not take freelancing seriously and I'm thinking the longer I freelance and am out of college, the harder it will be to find a job. There's also the issue of health insurance, even though it's 2 years away from being a reality. The thing that worries me about switching to a local office job is what if I'm miserable or cannot adapt to the different environment? What if I get laid off? Then again, I suppose the same thing could happen with my current position.And what jobs should I be applying for? Project manager positions in IT (a lot of the ones I see ask for 2+ years experience and I'll only have 1 as of next month) or support technician stuff similar to what I did in college and had two years experience doing? And when do I begin to look at getting a car of my own or a place of my own? After I've been on the new job for a while? Considering I'd be commuting using my mom's car (unless it's somewhere local local where I could be dropped off/picked up) it'd be tough, but I suppose doable for a while.Any advice for a young IT professional looking to follow the right path toward a successful future both career and finance-wise?

Ive been thinking about posting this for a bit and SIS also suggested I do in a recent thread, hopefully you may find it entertaining maybe even inspirational.I guess this story started about 5-6 years ago on a plane ride....I was flying to Vegas for vacation and was sitting next to a guy and we started talking. I cant remember exactly, but he ended up being a hire up exec and did a lot of hiring and firing. He asked what I did, at this time I was going to community college and working part time, I said I was in school for Marketing. He said "Oh, you want to be a waiter?". I had a great convo with him after and decided to drop out when I got back from Vegas, I was basically flunking out anyway and was only there because my parents essentially forced me to go. So fast forward a bit....I was working full time in retail, had an online business, an offline business and owned a few rental houses. I would basically take care of the offline business (which involved driving all over) before and after my full time job and at night work on my online business....so I was basically working all the time. I then moved to part time at my retail job and focused on my businesses more, the offline one was good for some extra money, but not consistent enough to be full time so I was really banking on my online business. Without being too specific, the online business had a lot of potential but was a pain in the ass, required cash flow and I started to have to float it with credit cards. While I was doing all this I had rental properties as well, you can see my world famous thread here regarding one of them. There seemed to always be an issue with the rentals being they were rented to section 8 (the least pain tenant was the drug dealer that moved in after the one who flooded the one in the link and just paid me in 20's) so after awhile, I had to float rentals with credit card money as well.About the credit card money, I was able to get $200k in credit lines from AOR's and had about $100k in the bank of 0% money, which I started to have to use.....bad idea I know. Meanwhile, things at my retail job weren't going well, I hated management and constantly bumped heads with them, I eventually just brought my laptop to work and worked while I was at work, management of course caught wind of this and was just as excited as you would think they were. I kept bringing it to work because, frankly, I didnt care if I got fired, I was basically living the movie Office Space (minus the stealing). So eventually, I got fired. It was a pretty liberating and exciting feeling, I was at that job for 4+ years. But, I also had rent and bills to pay (remember that 0% money?) so it was a bit terrifying too. At this point I wasnt ready to live full time on my businesses so I went looking for jobs, I found a good one, got an interview and another and then....I was supposed to have a third interview and something in me just said 'F*** IT' I never went. Instead I went out of town to visit a friend and partied my ass off for a weekend, responsible I know. When I got back, it was basically 8 months of being completely broke. I worked all the time on my online business which turned into businesses, mainly being the original though. During this time, I was hit with every kind of road block you could think of, one event that really sticks in my head is waking up one morning with my business bank account $2k over drawn from chargebacks from credit card fraud. I literally had tears in my eyes and really didnt know what to do, I ended up taking out the last bit of money in my personal savings account to cover it. I was flat broke, I had to start withdrawing money from my IRA (always save kids!) to live on, which was about $10k. Back to the houses, Section 8 tenants are a pain in the ass, as we know, so they would move out some what frequently. When a Section 8 tenant moves out, your house looks like a pack of wild dogs lived in it, so being broke, I couldn't put the money towards fixing them and over time had to foreclose on all the houses. Since I was foreclosing and my credit was screwed anyway, I went nuclear and stopped paying my credit cards as well, I paid back whatever money I had left in the bank from the 0% money but still owed.... about $45k. I also closed down my main online business at this point after my merchant account was shut down (see chargebacks/credit card fraud), it made no sense to keep running it anyway and frankly, I couldn't due to cash flow. I did have another online biz that was making a little money here and there at this point though.At this point I was pretty depressed and broke and to top it off, I had to move back with my parents because I could barely afford rent. I kept working on the new online biz and was making a little money. Since I was living with mom and pops, it was enough to live on without using my IRA money, which I only had like $1k left anyway. I then scraped together some monies to go to a conference, the end of last year, related to the industry my new online biz was in. I ended up meeting a lot of great people and made lots of connections. Very long story short and without much detail....I had a great idea for another business and contacted one of my new connections with an idea that was a great fit for them because of their already established business and infrastructure.After a week or so working 16 hour days getting this new idea ready - It became an instant hit, we started making thousands in sales everyday instantly.This new business has blossomed into several million dollars in sales this year. I was able to move out of mom and dads with a sizable stack of money saved and things have been going really great ever since and I own a couple other businesses now as well.I know you are wondering about the houses and credit card debt. The houses were foreclosed and credit cards sent to collections before I could attempt to pay them back, so unfortunately, thats that and my credit score is about as low as it can get.If there is a moral of the story, its never give up and bust your ass. You create your own luck by putting yourself in the right situations. Im sure anyone interested may have some questions, I left a lot of detail out, so fire away, I would be happy to answer any - inb4 pay your bills dead beat

Purchasing a $284,000 home. Local credit union is providing two options both 30 year terms, similar closing costs and no PMI.Option A:
20% down with .25% point due at signing ($57,368)
loan amount of $227,200 @ 3.125%
Monthly payment of $973.26 Option B:
5% down ($14,200)
loan amount of $269,800 @ 3.625%
Monthly payment of $1230.43Total cost of loans would put Option A infront with a savings of $49,413 over the life of the loans ($92,581 monthly payment difference - $43,168 downpayment difference).BUTI can take the $43,168 difference in downpayment/point from Option A and place it in a very low risk, annuity that I've owned since I was 3.
It pays a garunteed minimum rate of 5.5%, compounded monthly. I can't touch it till 62.5 or I'll be hit with 10% penalty but that's only on earnings.
So, I'd be paying $49,413 in mortgagne interest to earn a minimum $180,761 in low risk annuity interest. What would you do? Monthly budget is going to be tight for the next few years, so the extra $257 a month is somewhat significant.
Questions I've been asking myself.
Taxes are a big what if, that affects the calc. Length of time I stay in the home is a question. Am I putting myself in greater risk with a home with low equity or is it better to have the chunk of money in an annuity if shite hits an oscillating device?
Am I stupid to not take advantage of interest rate arbitrage....
Extraneous Life information.
33 years old
I currently earn $92K, in a stable but new job, have $126K liquid
Wife has decided to stay home with a 17 month old, another on the way (need to keep a sizable emergency fund)
She has the potential to return to the workforce with a salary comparable to mine in the event of a job loss.
Have ~170K in 401k, was previously maxed but probably won't be able to while wife is out of the workforce for ~5 years.
~7K in college savings, going to have to increase for new little one.
No car loans, 2 late model cars recently purchased with cash.
Only debt is 26K in student loans with rate @ 1.625%

Hi Everyone,I have been a member here for a few years and have obtained a lot of good advice. I am currently an academic advisor at the College of Business at a mid sized university in the mid west. I see undergraduate students majoring in Finance, Accounting, Management, Marketing and a couple of other related fields. Mainly I assist students in strategically picking classes to get them to graduation. I also work with students who are not doing well to identify their areas of strengths and weaknesses and help them formulate a plan to do better.I'm posting to see if anyone has suggestions, books, websites and so on that I could use to obtain more information on what students can do to make themselves more competitive for the first job out of college. Personal examples of your own stories would be great too. I always recommend internships, student organizations and part time jobs but was hoping for more useful information I could give my students.I am new at this position (3 months in) and most of my experience has been in a different field. I have the counseling experience necessary and know the basics of how to help students graduate but would like more information that I could give them that they can't get elsewhere.

I was one of the unfortunate to lose my job in the finance industry a couple of months ago. This is the first time I've been without a job since graduating from college. It was much easier to get interviews back then even when I was looking to switch jobs during the height of the financial crisis. I've reached out to people (although none have worked out and I've run out of people to contact), am scouring job boards, monitoring multiple university job boards, and sending customized resumes to anything where I can see myself working. I've job hopped more than I should have in the past so I believe I should stay in my next position for at least 3+ years and I want to try to land a position that is somewhat relevant to my career path. Is this all I can do at the moment? Continually send my resumes in and hopefully I get a callback?
How else can I spend my time more effectively?

I need some advice. My 23 year old son just lost his job and moved home. Turns out he has about $15,000 in credit card debt, hasn't made a payment in months, is overdrawn at the bank, and has a total of $2 cash. He is a college dropout and has gone from one minimum wage job to another and is probably not eligible for unemployment (fired from pizza delivery following an at fault MVA). Current job prospects where we live are limited.He also has student loans of $10,000 and a car loan of $4,000 and I am making those payments as I co-signed the loans.I hope this is his bottom and he is now asking for advice. What can he do about the credit cards? Bankruptcy, debt settlement, anything? I did have him call a credit counselor but they seemed more interested in getting money for themselves rather than find a soluction. I am sorry but I am just overwhelmed.

Hi AllFor a family which has high chances to move from one state to another within US due to job,what could be best option for 529 collge savings account for my kids.
Also which option is generally considered better pre paid tution program or savings plan?Appreciate your help!
Andy

My daughters earned a little money last summer as camp counselors (19 year old about $2300; 17 year old about $1200). I thought it would be a nice idea to open up Roth IRAs for each. I would put in about $750 on their behalf (as if they were the ones contributing). My goal would be to do this until they finish school and start earning their own way. Questions:
Can the check come from me?
Is there a better option for the money? (I already have their college funds taken care of)
Are there particular banks/brokerage houses/etc that might have a better deal than others?
My thought was $750 won't hurt me too much now and could make a huge difference for them in 50 years. Thanks for your thoughts and suggestions!

Next year my twins will be entering college. I have an older daughter that is a Junior in college so I will have three total. She has been accepted in the speech pathology program so she has three more years. I have a younger son in high school as a sophomore. One of my twins is special needs with aspergers but she is high honors. so starting for next year on, I have 3, 3, 4, 3, 1, 1, 1 kids in college.All kids are honor students but have only had ACT scores between 27 and 29. My oldest has no current scholarship. My daughter who has the special needs, won a national art scholarship and has basically a full ride. My son is looking at a NCAA div 2 school and hopes to get a sports scholarship. My youngest was valedictorian at JHS and is currently ranked 10th at his high school I have a savings account put aside that I have been drawing funds, I never created an account for the kids but I am paying for their expenses. I have about 20,000 as available funds which will not be enough but I am adding into the account heavily nowThe school is saying that I should apply for aid but I wasnt thinking that I would qualify.

Hello all my little sister is getting married, and I'm looking for a gift that will be appreciated/enjoyed, but will also help teach her the value of a dollar, how to save and budget, the value of savings and interest, etc. She makes OK money, but spends like a Kardashian, so is always in credit card debt, home equity line, etc. I have tried many times to help her with budgeting and personal finance, but it goes in one ear and out the other. (Most of the spending is on clothes, purses, iPhones, flat screen TVs, dining out, just wasteful stuff.)I don't want to just give her cash and watch her buy some expensive outfit she will wear twice then throw in a closet. Or a 4th flat-screen TV. Or a new iPhone to replace her Galaxy III. Etc. Like I said, I want it to be instructive, but not "preachy" -- which is why I don't think a session with a financial planner will work (she'd look at it as homework, and it would go in one ear and out the other).Some thoughts I had: - A savings bond that won't mature for a while (but interest rates are terrible, and she'd probably cash it in ASAP instead of waiting 20 years).
- Purchase a CD (where I keep the principal) and give her the interest -- like a quarterly reminder that savings are good because they produce tangible benefits. (Say, a $5,000 CD that gives her $100 a year in interest for 5 years.)
- Donation to a 529 college savings plan, but a little odd since there are no kids yet.
- Maybe some sort of investment (like LED bulbs, but on a larger scale) that will save her money in the future. I don't think she needs any new major appliances that I know of, though, and solar panels are probably outside my budget.I want to give her something nice, maybe in the $500 range or so, but am flexible for a great idea that costs more. I am hoping some of the great minds at FW have some good ideas that could help prod my sister towards a better financial path for the future. Basically, I don't want to give her a fish, I want to teach her how to fish, if that makes sense.Thank you in advance for any helpful advice!

I plan on traveling abroad for about 4 months before I start working next summer. I already have a decent job and could easily pay off $10k or so once I start work. I would probably be able to pay off a 10k loan after 2-3 months considering my signing bonus and salary. The problem is that I have less than $1k cash right now. I have a $9k 0% APR credit line w/ Discover which I will try to use wherever Discover is accepted abroad. I can also get a $7k 0% APR balance transfer w/ Citi but this has a 3% transfer fee. Would taking the $7k Citi BT be the best way to pay for my trip?

Buy the Dunkin Coffee Book for $12.00 which is (10) coupons for 10 large hot coffees (no substitutions allowed). Not valid in stadiums, airports, colleges or universities.Available at Dunkin Donuts stores participating locations:
Metro NY including Long Island, Hudson Valley, Westchester
North & Central NJ including Ocean and Monmouth counties
CT
DC Metro area
PA region Harrisburg/Lancaster/Lebanon/York state college/Altoona/Johnson/Clearfield
edit: yes we know it is cheaper to brew coffee at home.

I couldn't quite find a topic on this. Forgive me if I am mistaken and please refer me to it.I'm in the process of wanting to save for my son (2.5 yrs old). I said just saving, because I don't think I want to be tied to only college expenses via a 529 plan or something else, but I don't know what else exists or what would be considered best for my tax purposes as well as financial aid. I realize there is a lot of options that could exist, which is why i'm looking for advice or a few tidbits that could swing me one way vs the other. Thanks.

great gift for college student or your room  Link

TextAvery Desk/Pen Style Highlighter Combo Pack, Assorted, Chisel Tip, Box of 24
Colors: 16 Fluorescent Yellow and 8 Fluorescent Pink
Box tops for education
Here is an idea for a cute teacher's gift:
TextIt would also be an excellent stocking stuffer for your college student or writer/editor, or really for anyone who does a lot of research. Heck-I'll take one if your willing!
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40% off coupon at www.OriginalRetroBrand.com - Coupon Code: THANKS40 This site has awesome retro college tees, concert shirts, nhl, etc. Super high quality. Sale ends 11/26/2012

Linked: Livescribe Echo 4GB Use Discount Code "LIVESCRIBE5OFF" for a 5% discount (lifted from retailmenot). Had to pay tax in MA, so depending where you are at, this may affect your final price. Shipping is free, though. Also the Livescribe Sky is a WiFi-enabled, more advanced model than this one, but it's considerably more expensive. I'm a college student and have a Pulse (first version) This price is good enough for an upgrade.

I lost my job 2 months ago for a non-performance related reason and it still bothers me a little to this day. I learned my lesson and have moved on (or trying my best). I have 3 years of experience out of college in the financial services sector. I've been scouring job sites, looking at ads on numerous university boards, reaching out to people nearly everyday but haven't had much luck. There aren't many new job postings. I reached out to someone high up at a company who graduated from my university and he is open to a phone call. How can I turn this phone call into a possible job offer opportunity? Any advice for what to talk about and how to guide this call without coming across as too aggressive?
I'm doing fine financially since I had saved a large safety net but I'm concerned about having an extended gap on my resume.

Target in College Staion, TX has WD MyPassport 1TB USB3.0 WDBBEP0010BBK-NESN for $69.99. There were a couple of units left.
Cheaper than Amazon ($79.99)
They also have Seagate 1TB USB3.0 2.5" Backup Plus Portable external HDD for $69.99.
Just got myself one of each

Stolen from bogleheadsOpen a Virginia 529 Plan CollegeWealth Savings account at Union First Market Bank with 2.3% APY (2.00% APY for <$10k) or if you prefer BB&T 2.25% APY (2.00% APY for <$25k). Open to all 50 states.When you take a distribution, the earnings are subject to a 10% penalty, so the 2.30% becomes 2.07%.The only downsides I can think of are that I imagine that distributions may take a little longer than normal online savings (maybe a week vs a couple days) and about 10 minutes of extra work at tax time. Seems that many FWF savers are willing to jump through more hoops than that for 100 basis points. Upside vs reward checking is no $ cap and no activity requirements.Union First linkBB&T link

I'm looking for something inexpensive and something that can be completed at a vocational/community college. My mom is in her 50s with no skills. She has been working in restaurants and retail stores for the majority of her life. Any recommendations on certs/job training with high placement rates that I could look into for her?

I've decided I want to work in tax. I am finishing my bachelor's in accounting and finance right now. I have a 3.5 GPA, so I expect I would be able to get into a good grad school (but probably not Harvard). I'm wondering what are the benefits and drawbacks of each of the following ways of approaching a tax career:1. Enrolled Agent. I could just take the enrolled agent exam, and be able to do taxes. If I did this, what types of jobs would become available? Would I be looking at contract work during tax season, or is it relatively easy to get into tax planning and controversy work?2. CPA. I would need to either do an MS in tax, or go back to the community college and take about a year's worth of classes to be eligible to take the CPA. Is there is a benefit to the MS vs. just getting enough hours for the exam? What jobs are available outside of the Big 4? Are there any options where I could expect to earn a reasonable living and not have to work 60-80 hour weeks?3. Tax attorney. I am considering going to law school to specialize in tax. Obviously, this has the most time commitment (another 3 years). Do tax attorneys make enough more than CPAs or EAs to justify the time investment? I would say that, of the 3 options, this seems to be the most interesting to me. If I do this, should I get an LLM? And should I look at law schools any differently given that I am specializing in tax?

First, thanks for taking the time to read. Background: working as a financial analyst in an rotational program and will be studying for my CPA beginning in January (covered by my company). I live with my girlfriend of 4 years (we lived together in college. Shes relocated with me, a huge sacrifice. We both worked full-time and went to school and both come from impoverished backgrounds so have already had to support our families. Age: both 22, graduated college in May Financial Analyst in rotational program My gross base pay: $67,000 with a $6K relo bonus every year. (Used 100% of my $13K signing bonus earlier this year to pay down debt). Take-home pay ~$3900 a month after contributing 5% to 401k, insurance, etc. (I get a 7% match for the 401K).I also get a $2,000 HSA contributionHealth & dental Insurance: $60/month for me, $230/month for gf's policy Girlfriends salary: Asst. Manager in retail as she relocated with me to a rural area with limited jobs, take-home pay ~$1,550Side gig income (eBay, book scouting, rebates, etc.) ~$300/month; also recently hired part-time as an Internet Assessor at Lionbridge ($13.50/hr x max 20 hrs/week, not sure how many well be able to put in)
Total monthly take-home pay: $5,750/month sometimes moreOutstanding Debt: ALL STUDENT LOANS HAVE MINIMUMS DUE BEGINNING IN JANUARY
Hers:
Direct subsidized: $3,500 @ 6%
Direct subsidized:$5,500 @ 4%
Direct subsidized$4,500 @ 5.6%
Direct subsidized:$5,500 @ 3.4%
Direct unsubsidized:$2,400 @ 6.8%
Direct unsubsidized:$2,300 @ 6.8%
Direct unsubsidized:$2,100 @ 6.8%
Her Total = ~$26,000Mine:
Direct subsidized:$5,500 @ 5.6%
Direct subsidized:$4,500 @ 4.5%
Direct unsubsidized:$2,200 @ 6.8%
Direct unsubsidized:$6,900 @ 6.8%
Direct unsubsidized:$2,400 @ 6.8%
Car Loan: $4,700 @ 4.99%
My Total: $26,200Minimum student loan payments: ~$500, $178 for the car until paid off.We just paid off her private loans (totaling $48K), and will now be starting on my loans as shes taking CC classes that will keep her subsidized loans in deferment.$5K EF good job security, and I can always move back home. Monthly budget:
Rent: $965, all utilities, laundry, etc. included for a 2 bedroom townhome (we use one bedroom as an office and it was only ~$45 more a month for the 2nd room.
Internet: $55
Cell phone: $22 total, Page Plus pre-paid plans
Car payment: $178, hoping to have this paid off by Christmas ($4700 balance left)
Car insurance: ~$75
Food budget: ~$250-$300
Entertainment: ~$100-$150
Accelerated debt payment: consistently paying off $2,800 minimum for past 6 months; not sure how sustainable this will be after we move for my next rotation, have to buy another car, she has to find another job and go back to school, etc.We spend little/nothing on clothes due to thrift stores and accumulated wardrobes, she is an extreme couponer and so we get our toiletries, etc. for practically nothing/free, very little spending outside of these categories.Goals/Other Concerns
1) I would like to be as debt free as we can before my girlfriend goes back to Physicians Assistant school in 1-2 years. Id like to be debt free so that I can pay her tuition in payments without borrowing. Otherwise we will have even more student loans.
2) I want to propose within the next year and will be looking for a ring.
3) Should I focus so much on debt repayment or start putting more into a Roth IRA, etc.? Im already getting 12%/year in my 401K.
4) I want to figure out how to moonlight in accounting/finance/anything related for extra income. In addition to studying for my CPA, my work will be paying for my MBA in the next ~2 years. Suggestions?
5) Its likely my future in-laws will be moving in with us soon as theyre elderly, poor, etc. how can I plan for this?Advice: how to prioritize the debt payments, how to make more money or advance our skillsets, how to plan for her return back to school, how to save money off our expenses, etc. Anything you can think of.

26, graduated college with a degree in economics. I have a career going, but I am only making $41,000 (although I am still entry level and that's poised to increase significantly over time).
I am looking to get into something around my work schedule (which is flex time, any 8 hours between 7 AM and 7 PM). Open to either starting my own side business or getting a well paying side job. Something I was thinking about doing was apprenticing at a locksmith, learning the business and then eventually partnering with someone and opening up our own shop. Any suggestions?

Hi all, I've been really happy with my current DRIP "provider", lets me pick the stocks I want and how much to invest each month with the most minimal of fees, my goal is to build my own mutual fund. However, they don't offer some of the companies I would like to buy stock in, no ETF's, and now I want to set up a DRIP for my just out of college son to get him started.
I like to have no interference, pay the least amount of fees, pick the stocks myself and feel confident in the organization for when I do need customer support.
Any thoughtful suggestions are graciously appreciated. Happy Holidays!

http://u.roboform.com/You will need .edu email id 4 Years for ONLY $19.95!
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0 Posted By: FatWalletTopDeals
Views: 326 Replies: 0

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There are a lot of factors to consider. For those of you not interested in a lengthy read, look away now! I have some concerns and I'm hoping that the decisions my wife and I are making now aren't going to haunt us for years to come. Let me start by giving my story and then I'll pose a few questions at the end. Hopefully, someone can shed some light on what I'm doing right and wrong. Maybe this thread will help others who are just completely confused.The Story:My wife and I (25-years-old and 26-years-old) got married back in June of 2010 and bought a foreclosure in January of 2011. We ended up getting an unbelievable deal. The house appraised for $64,500 and we bought it for $18,900. We borrowed $10,000 from my parents and combined it with our savings to pay cash for the home. We immediately took out a $45,000 loan against the house so we could do some renovating. We used $10,000 to pay back my parents and then used $12,000 to pay off my wife's student loan. The remainder went into the home. We saved a ton by doing all of the work ourselves. Upon completion, the home was appraised again. The current appraisal value is $80,000. Roughly $9,000 of the money spent was toward furniture that will go with us if we ever decide to sell. All in all, it didn't take much to completely change the home.In addition to the home loan, I still have a student loan to the tune of $28,000 and a car loan for $16,600. While in college, I applied and was approved for a college rewards credit card. It started out with a $300 limit, but was later increased to $400. Last year, I requested a $1,000 limit in the event we would have an emergency and not have access to savings. Surprisingly, at least to me, we were denied. We never carried a balance on the card and have never been late for a payment on anything. We only use the card for gas and online purchases and then pay it off during the same billing period. I guess they didn't like not making any money off of interest. Anyway, the card is of little to no use, so we recently applied and were approved for another credit card through a different bank. We asked for a $1,000 limit and were given a $2,500 limit. I'm contemplating setting up all of our utility bills and my student loan to be auto-paid with the card. I would still pay the entire balance at the end of each month.My wife and I do not make a lot of money. I work at a college and make $25,500 a year. I was fortunate enough this year to teach 4 credit hours of classes as and adjunct faculty for an additional $2,000. My wife works at a local bank and makes $22,500 a year. We work in the same town, so we only need the one vehicle.Debt Summary
Mortgage: $238 per month for 30 yrs. (almost 28 yrs. remaining)
Car: $325 per month for 72mo. (58mo. remaining)
Student Loan: $225 per month... until I die. (Opened 8/2005)
Credit Card 1: $0 balance ($400 limit - Opened 4/2008)
Credit Card 2: $0 balance ($2,00 limit - Opened 10/2012)
Total: $788Bills
Insurance: (We always pay our homeowner's, flood, and car insurance for the entire year when we get our tax return.)
Electricity: $65
Water/Sewage/Trash: $35
Gas: $40
TV/Internet: $85
Cell Phones: $75
Total: $300Income
$4,000 p/mo. combined - before taxes ($788/$4000 = D/I Ratio: 19.7%)
$2,950 p/mo. average combined after taxes, retirement contributions, etc.Current Savings: $1,300
My Current Retirement: $3,650 with an annual ROR of 12.9% (My employer matches a max of 6% - that is what I currently contribute - I've only been with this employer since 09/2011 and do not have any additional retirement accounts elsewhere.)
Wife's Current Retirement: $0 (No program offered by employer - she does not currently have any retirement.)
My Equifax Credit Score as of 10/2012: 748
Wife's Equifax Credit Score as of 10/2012: 750
So here are my questions:At a glance, do our finances seem acceptable or are we in trouble?
Should we be worried about my wife not having started a retirement plan at this point?
Where should we start?
Should we have a target amount that we should be putting into savings each month?
Are our credit scores/debt-to-income ratio considered good?
I suppose the one question that could be asked is:If you had a friend that was in exactly the same financial position as we are, would you loan them money?

Hello Fatwallet Finance,You guys are an amazing and helpful group of people. I want to thank you in advance for all the help you provide.My parents borrowed 400k from an acquaintance to start a small business and buy a house about 12 years ago at 5% interest rate. I have not seen the exact loan terms but I believe the house and the small business are collateral to the loans. They have been paying just the interest (2k a month) past 12 years. They have not been able to pay down any principal mostly due to children's college education (300k for 3 people). The house is itself is worth about 225k.There was a calamity at the small business. Due to being under insured, they only got about 120k after public adjuster's fees. With the existence of a large loan and small business gone, their finance is no longer sustainable. The question I want to ask is what is the best exit strategy. They are old and I don't think they should try to start a new business. They do not have skills in the market place that would earn them much above minimum wage. I thought they should sock away as much as they can in self-employeed 401k and roth ira this year and next year and declare bankruptcy, lose the house and move in with me. Would that be feasible? Once again, thank you for your help.

Hi - I have been reading quite a bit (and speaking with my CPA) regarding minimum compensation for an S-Corp.I thought the consensus on the internet was a little over 50% of your income should be declared as wages, meaning you pay SS/Medicare on those wages. After reading more and speaking with my accountant, it seems that this is not always true, as it depends on the nature of the business and what the member's responsibilities are. I buy and sell various items on eBay, Amazon, etc, so my sole job functions are: sit in front of a computer and bid, purchase items; list items for sale, and ship items that have sold. Anyone could do my job, and my accountant seems to think that compensation for what I do could justifiably be as low as 25,000 . I'm hesitant because my total income for 2012 will be $100,000. (I'm in some very profitable niches. There's nothing special about my job functions)Does this sound fine? I don't add any value or services (aside from improving market efficiency in a macroeconomic sense) and there's no higher education needed besides good business savvy. Also -this is the first year I've been in business, I'm 23 just out of college.Thanks in advance for the input!

Thought somebody might need external battery for their portable devices -specially for phone for emergencies/power outages -
product seems okay w 300+ 4star reviews on AmazonI saw New Trent IGeek IMP99D on Amazon for $69.95 and have 4 special offers - one was for a free New Trent IPulse IMP100P $65.95 add both to cart and use code 33IPULSE at checkout to get the $65.95 discounted - did'nt see when offer will expirehttp://www.amazon.com/New-Trent-IMP99D-Thunderbolt-Blackberry/dp...great for emergencies - after seeing news of people in East Coast charging their phones on generators - might as well get a set one for home and for kid in college
Amazon Coupons

Just recently started a new job as a secret shopper with a company Ive worked with in retail for 5 years through college. The secret shopper position is essentially an entry level marketing position in their corporate office that I plan to do until another position opens up in their office. Until then, Im living the life of a shopper working 40 hours a week traveling around a few states shopping their stores and trying to maximize all the perks I can with this job (hoping there might be some more that can be pointed out to me??). Current Perks of the job include:
Company Car (100 miles a week of personal use free, 55 cents for every mile after that, all fuel costs put onto company card)
$25 a day for meals (put on company card, no incentive for spending less but expected to consume what I purchase that day)
Hotel stays (usually 3 times a week) expected to stay in hotels $80 or less whenever possible(put on company card and I can keep hotel rewards) As of right now, Ive been booking my hotel stays using ebates for CashBack bonus and sticking with Choice Hotels whenever possible (Choice Hotels seems to have the best promotions from what Ive seen that still fit the $80 budget. I guess Im looking for any other deals I may be overlooking that I can take advantage of? Was looking for a big chain restaurant that may have a punch card or something but no luck yet. To be clear, not looking to take advantage of the company I work for by finding loopholes in their policies, just looking for deals being offered by other stores that would benefit my current on the road lifestyle.

Thought somebody might need external battery for their portable devices -specially for phone for emergencies/power outages -
product seems okay w 300+ 4star reviews on AmazonI saw New Trent IGeek IMP99D on Amazon for $69.95 and have 4 special offers - one was for a free New Trent IPulse IMP100P $65.95 add both to cart and use code 33IPULSE at checkout to get the $65.95 discounted - did'nt see when offer will expirehttp://www.amazon.com/New-Trent-IMP99D-Thunderbolt-Blackberry/dp...great for emergencies - after seeing news of people in East Coast charging their phones on generators - might as well get a set one for home and for kid in college
Amazon Coupons

I have been struggling with a solution and realized that FW is a great resource, full of members with great suggestions and experiences. I hope you can help me.I will try to keep this short and to the point.I have a job, a great job, and a fantastic opportunity to grow professionally. I am certified by the state (and have been for 10 years) for my job and have all the resources around be to move up to the next level of certification. The training involved and specific non-college courses are all provided. Now to get this upgraded certification through the state, they require a bachelor's degree as a prerequisite in order to take the exam. The state does not require a 'specific' BA, just one from an 'accredited' college/school. The application says, "Bachelors Degree _yes _no".I have a few hours of college from back in the day and an associates degree not related to my job. I though maybe my local 'big 10' school would be an option (close to the house and 'accredited') but found out that 36 of the 60 hours must be taken at that school. $500 x 36 is a ton of money. And honestly I do not have the time to physically go to class for 1.5-2 more years. I have my full time job and do some fee work on the side. There is no degree that is specific to my job so whatever I pursue in school will not be utilized at my job. Perhaps an basket weaving degree from an online school would get that box checked. Heck, I would pay $10k to have a BA in volleyball. This change to the certification was recent and the existing cert holders were not given enough time to beat the deadline (get in with the old rules) so I have to plan ahead. You take hundreds of hours of specific training and they still want that piece of paper and that is what I intend to get, the cheapest, fastest and easiest BA there is.Thank you for you comments and suggestions. I can try to answer anything to be clearer.

Need some advice on funding college education for my son.Background
1. Son, targeting Ivy colleges with total 4 years expense to be about $250K. Given his profile, they are within his reach, even though we understand that nothing is guaranteed. He is applying for colleges this year.
2. We are blessed to have strong financial base. I came to this country with $200, 17 years back. Our family annual income is $300K+ and have $200K cash, $400K stocks, $500K 401Ks, $400 mortgage and around $40K in Education IRA.
3. My understanding is that we would not qualify for any need based scholarship given our financial background. However there might be little chance to get merit based scholarship.Question for the fellow FW members.
1. Is there anything that can be done to reduce overall education bill.
2. Will it help if I have less cash and use it to pay off mortgage?
3. Not sure, if it helps but I do have a younger son with special needs and we are planning to set aside good $$'s as we expect to suppport him during his adult life.Please do not suggest - Look for alternate colleges - since we have already explored those options and we are not considering them at this point.Thanks

I had a full time job making decent money while I was in college, but this is my first "professional" job that i got after college. A couple months shy of a year on the job. Right now I making about 40k handling basic accounts with no real issues. The normal salary for an established person in my field is like 50-70k. My company then has a higher position where salaries are like 75k+ I would like to stay with the company I am at. How do I end up getting fair market value? what if they offer like a $9,000 raise? Its tough to play hardball when they offer you like a 20% raise. But I know that would be underpaid.

I have been searching for affordable high quality carpet tile squares. I found some at Lowe's and Home Depot, but most of their deals were $1.00 to $2.00 per square foot plus tax. My former college roommate lives in Georgia, in a town that is considered carpet capital of the world (Rome or Dalton or something). She swears by a warehouse that has carpeted her family's homes. I believe they are called GA Carpet Outlet and they have carpet tiles that are in color families (such as earth tones or blues) at an excellent price. I think those are 69 cents per sq foot shipped.They also have assorted carpet tiles (approximately 20 by 20) for 49 cents and free shipping across the United States. The assorted ones generally include a lot of browns and grays, as those are the most popular colors. The carpet tiles are all the same size. You can either glue them with carpet glue or simply lay them down without gluing. Surprisingly, they sit nicely next to each other. If you stain them, just pull the stained ones up and put new ones down. Here is their direct number 888-434-7795
http://www.businesscarpetoutlet.com/Steals_Deals.php?cat=stealsd...

Free Atlas Shrugged Part II Movie Action Kit for college students
Atlas Shrugged Movie Action Kit Request Form:
In just 29 days Atlas Shrugged Part II will be playing in a theater near you.
We're looking for a few good men and women to help spread the word.
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D'Aun

This is theoretical, but be seriousLet's say I have a possible bad situation in the upcoming future (impending divorce, security clearance revocation, mortgage bankruptcy, petty theft etc...you make up the situation) and I want to lessen the fallout from a stupid decision (domestic battery, lying to a cop etc, filing papers on time) BUT don't intend to pursue the case for months/years/until I have to. If I have two lawyers one with a $100 consultation fee, and another that's free, which should I choose and how do I know which will more sound advice?Also how do you get a pro bono petty theft (would it even be worth most lawyers time?)/security clearance (specialized law) lawyer if you are a broke ass student right out of college? I looked up security clearance lawyers and I could not find a single one. I am seriously considering moving back to DC if that industry is that lucrative

borrowed... searched and not found posted here.6 Free Redbox codes from Verizon FIOSI got an email from Verizon saying the following:

Turn your living room into a screening room. Why wait in line for the latest hits? Let us tell you why Verizon FiOS is so amazing and you'll get 6 FREE 1-day DVD rentals from Redbox. There's no obligation to buy! It's an easy reward for spending just a few minutes online with us. But we think the best part will be when you find out why FiOS is the ultimate entertainment experience.

Play the little game, answering 3 easy questions, then the next page is where you enter your email address.The offer seems to only be valid in cities where FIOS is offered. So you may have to play around until you find a city were offered. I used zillow.com to find addresses in Keller, TX.Others reportedly used a celebrity address of: 3661 Cross Creek Rd., Malibu, CA 90265Then there was a link that says "Admit One."
Link LinkyIt is a FIOS advertisement, but I got my six codes a week later in an email. You may want to search for addresses that FIOS serves if it does not serve your address. I'm imagining they won't give you the codes if you can't actually buy FIOS after.
The gift is reported now as a $5.00 Amazon Gift Card.
___________________________________________________________________________________________________

***It takes almost a week to get your codes.***

Promo code terms: Promo code expires 6/30/14. Limit: 1 code per transaction, regardless of # of rentals. 1 time use of code only. Unless specifically stated otherwise, promo code valid at the box only for a 1-day standard DVD rental or a discount worth the value of the standard DVD daily rental rate off the first nights daily rental fee for a Blu-ray Disc or video game. Unless specifically stated otherwise, promo codes are not valid online, on the app or for prior rentals. Your payment card (necessary for any rental) will be charged the excess daily rental fee for a Blu-ray Disc or video game and the full daily rental rate for any additional items, plus applicable tax (except for MD rental transactions for which additional tax is not charged) for the first night of rental, if applicable, and will be charged the full daily rental fee for all items plus applicable tax (except for MD rental transactions) for each day you do not return your rental by 9:00 pm local time (at the box) after first rental night. Void where prohibited by law. Code must not be copied, sold, or otherwise offered. Any other use constitutes fraud. Cannot be combined with other offers. Not redeemable for cash. Offer subject to cancellation or change at any time.

** 1 code per transaction, street address and/or email address. Unless specifically stated otherwise, good at kiosk only. Code required. Charges apply for additional days. Cant be combined with other offers. Subject to additional terms. Void where prohibited. Limited to one code per household and/or email address.According to http://www.consumerfiber.com/fios-availability the following cities have FIOS...Adelanto, CA Hollis, NH Port Washington, NY
Alta Loma, CA Hudson, NH Poughkeepsie, NY
Anaheim, CA Londonderry, NH Pound Ridge, NY
Apple Valley, CA Nashua, NH Queens, NY
Arroyo Grande, CA New Castle, NH Rockville Centre, NY
Artesia, CA Newfields, NH Roessleville, NY
Banning, CA Newington, NH Ronkonkoma, NY
Bermuda Dunes, CA Newton, NH Roosevelt, NY
Cabazon, CA Nottingham, NH Rosedale, NY
Calabasas, CA Plaistow, NH Roslyn, NY
Calimesa, CA Portsmouth, NH Roslyn Heights, NY
Camarillo, CA Rye, NH Rye, NY
Cerritos, CA Salem, NH Salisbury Mills, NY
Cherry Valley, CA Stratham, NH Scarsdale, NY
Chino, CA Windham, NH Schenectady, NY
Chino Hills, CA Aberdeen, NJ Seaford, NY
City Ranch, CA Allendale, NJ Shrub Oak, NY
Coachella, CA Allenhurst, NJ Skaneateles, NY
Corona, CA Allenwood, NJ Skaneateles Falls, NY
Cypress, CA Alpine, NJ Slingerlands, NY
Desert Hot Springs, CA Atco, NJ Smithtown, NY
Fallbrook, CA Audubon, NJ Snyder, NY
Fontana, CA Avon-by-the-Sea, NJ Somers, NY
Forest Falls, CA Barrington, NJ South Bethlehem, NY
Fort Irwin, CA Basking Ridge, NJ South Farmingdale, NY
Fountain Valley, CA Bedminster, NJ Sparkill, NY
Garden Grove, CA Bergenfield, NJ Spring Valley, NY
Gilman Hot Springs, CA Berkeley Heights Twp, NJ Springfield Gardens, NY
Guadalupe, CA Berlin, NJ St James, NY
Hawaiian Gardens, CA Berlin Township, NJ Staten Island, NY
Helendale, CA Bernards Twp, NJ Stony Brook, NY
Hemet, CA Bernardsville, NJ Stony Point, NY
Hermosa Beach, CA Bogota, NJ Suffern, NY
Hesperia, CA Bound Brook, NJ Swormville, NY
Homeland, CA Bradley Beach, NJ Syracuse, NY
Huntington Beach, CA Branchburg, NJ Tarrytown, NY
Indio, CA Bridgewater Twp, NJ Thiells, NY
La Mirada, CA Brielle, NJ Thornwood, NY
La Palma, CA Brookside, NJ Tomkins Cove, NY
La Quinta, CA Carlstadt, NJ Tonawanda, NY
Lake Elsinore, CA Cedar Grove, NJ Tuckahoe, NY
Lakewood, CA Cedar Knolls, NJ Uniondale, NY
Lancaster, CA Chatham, NJ Valley Cottage, NY
Loma Linda, CA Cherry Hill, NJ Valley Stream, NY
Long Beach, CA Cherry Hill Twp, NJ Van Buren, NY
Los Alamitos, CA Chester, NJ Verplanck, NY
Malibu, CA Clayton, NJ Walden, NY
Manhattan Beach, CA Cliffside Park, NJ Wallkill, NY
March Air Reserve Base, CA Cliffwood, NJ Wantagh, NY
Menifee, CA Clifton, NJ Wappinger, NY
Mentone, CA Closter, NJ Wappingers Falls, NY
Midway City, CA Colts Neck, NJ West Harrison, NY
Moreno Valley, CA Cranford Twp, NJ West Haverstraw, NY
Murrieta, CA Deal, NJ West Nyack, NY
Newbury Park, CA Demarest, NJ West Seneca, NY
Nipomo, CA Denville, NJ Westbury, NY
North Palm Springs, CA Dover, NJ White Plains, NY
Nuevo, CA Dumont, NJ Williston Park, NY
Oak Hills, CA East Hanover Twp, NJ Woodbury, NY
Ontario, CA East Rutherford, NJ Wykagyl, NY
Oro Grande, CA East Windsor, NJ Yonkers, NY
Oxnard, CA Eatontown, NJ Yorktown, NY
Palm Desert, CA Edgewater, NJ Yorktown Heights, NY
Palm Springs, CA Elk Twp, NJ Aloha, OR
Palmdale, CA Elmwood Park, NJ Beaverton, OR
Perris, CA Emerson, NJ Cornelius, OR
Phillips Ranch, CA Essex Fells, NJ Dundee, OR
Pomona, CA Evesham, NJ Fairview, OR
Quail Valley, CA Ewing Twp, NJ Gales Creek, OR
Quartz Hill, CA Fair Haven, NJ Glenwood, OR
Rancho Cucamonga, CA Fair Lawn, NJ Gresham, OR
Redlands, CA Fairfield, NJ Hillsboro, OR
Redondo Beach, CA Fairview, NJ Lake Oswego, OR
Riverside, CA Far Hills, NJ McMinnville, OR
Romoland, CA Flemington, NJ Newberg, OR
San Dimas, CA Florham Park, NJ Portland, OR
San Jacinto, CA Franklin Lakes, NJ Sherwood, OR
Santa Fe Springs, CA Franklin Twp, NJ Timber, OR
Santa Maria, CA Freehold, NJ Troutdale, OR
Santa Monica, CA Freehold Twp, NJ Tualatin, OR
Seal Beach, CA Garfield, NJ Wilsonville, OR
Signal Hill, CA Garwood, NJ Allentown, PA
Somis, CA Glassboro, NJ Allison Park, PA
Spring Valley Lake, CA Glen Rock, NJ Ardmore, PA
Stanton, CA Green Village, NJ Aston Twp, PA
Sun City, CA Greystone Park, NJ Bala-Cynwyd, PA
Sunset Beach, CA Hackensack, NJ Bethel Park, PA
Surfside, CA Haddon Heights, NJ Breinigsville, PA
Temecula, CA Haddonfield, NJ Brookline, PA
Thousand Oaks, CA Haledon, NJ Broomall, PA
Topanga, CA Hamilton, NJ Bryn Athyn, PA
Torrance, CA Hamilton Twp, NJ Bryn Mawr, PA
Victorville, CA Hanover Twp, NJ Caln Twp, PA
Warner Springs, CA Harding Twp, NJ Camp Hill, PA
Westminster, CA Harrington Park, NJ Carnegie, PA
White Water, CA Hasbrouck Heights, NJ Cedarhurst, PA
Whittier, CA Haworth, NJ Chalfont, PA
Wildomar, CA Hawthorne, NJ Chester Springs, PA
Willow Springs, CA Hazlet Twp, NJ Cheyney, PA
Winchester, CA Hightstown, NJ Cochranville, PA
Greenwich, CT Hillsdale, NJ Collier Twp, PA
Riverside, CT Ho-Ho-Kus, NJ Concord Twp, PA
Washington, DC Hoboken, NJ Conshohocken, PA
Bear, DE Holmdel Twp, NJ Crescent Twp, PA
Bridgeville, DE Hopewell, NJ Downingtown, PA
Cheswold, DE Howell Twp, NJ Doylestown, PA
Claymont, DE Island Heights, NJ Dresher, PA
Clayton, DE Jersey City, NJ Dublin, PA
Dover, DE Jobstown, NJ Eagleville, PA
Dover Air Force Base, DE Kearny, NJ East Brandywine Twp, PA
Edgemoor, DE Kenilworth, NJ East Fallowfield Township, PA
Harbeson, DE Kenvil, NJ East Liberty, PA
Hockessin, DE Keyport, NJ East Norriton, PA
Kenton, DE Lawnside, NJ East Pikeland Twp, PA
Little Creek, DE Lawrence, NJ Easttown Twp, PA
Long Neck, DE Lincroft, NJ Edgmont Twp, PA
Middletown, DE Little Falls Twp, NJ Exton, PA
Newark, DE Little Ferry, NJ Findlay Twp, PA
Odessa, DE Little Silver, NJ Fort Washington, PA
Port Penn, DE Livingston Twp, NJ Fountainville, PA
Smyrna, DE Lodi, NJ Frazer, PA
St Georges, DE Long Hill Twp, NJ Garden City, PA
Townsend, DE Lyndhurst, NJ Gibsonia, PA
Wilmington, DE Madison, NJ Glen Mills, PA
Apollo Beach, FL Mahwah Twp, NJ Glenmoore, PA
Bayonet Point, FL Manalapan Twp, NJ Gwynedd, PA
Braden River, FL Manasquan, NJ Hampden Twp, PA
Bradenton, FL Maple Shade, NJ Hampton Twp, PA
Brandon, FL Maplewood Twp, NJ Harleysville, PA
Carrollwood, FL Martinsville, NJ Harrisburg, PA
Champions Gate, FL Maywood, NJ Hatboro, PA
Clair Mel City, FL Mc Guire Afb, NJ Hatfield, PA
Clermont, FL Medford, NJ Hatfield Twp, PA
Cortez, FL Mendham, NJ Haverford, PA
Crystal Beach, FL Middlesex, NJ Hershey, PA
Dade City, FL Midland Park, NJ Horsham Twp, PA
Davenport, FL Millburn, NJ Hummelstown, PA
Duette, FL Millburn Twp, NJ Huntingdon Valley, PA
Eagle Lake, FL Millington, NJ Jamison, PA
Ellenton, FL Millstone Twp, NJ Jeffersonville, PA
Gibsonton, FL Mine Hill, NJ Kennett Square, PA
Haines City, FL Montclair, NJ Kennett Twp, PA
Holiday, FL Montgomery Twp, NJ Langhorne, PA
Hudson, FL Montvale, NJ Lansdale, PA
Jpv, FL Montville Twp, NJ Lebanon, PA
Kathleen, FL Moonachie, NJ Lemoyne, PA
Kissimmee, FL Morganville, NJ Library, PA
Lakeland, FL Morristown, NJ Line Lexington, PA
Land O Lakes, FL Mountainside, NJ Linwood, PA
Lithia, FL Mt Tabor, NJ London Grove Twp, PA
Lutz, FL Neptune Twp, NJ Longswamp Twp, PA
Mango, FL New Hanover Twp, NJ Lower Makefield Twp, PA
New Port Richey, FL New Milford, NJ Lower Merion Twp, PA
Nokomis, FL New Providence, NJ Lower Paxton Twp, PA
North Port, FL North Arlington, NJ Lower Providence Twp, PA
North Venice, FL North Brunswick, NJ Macungie, PA
Northdale, FL North Haledon, NJ Manoa, PA
Odessa, FL North Middletown, NJ Maple Glen, PA
Oldsmar, FL Northvale, NJ Mc Knight, PA
Oneco, FL Norwood, NJ Merion Station, PA
Osprey, FL Nutley, NJ Messiah College, PA
Palm Harbor, FL Oakland, NJ Middle City East, PA
Palma Ceia, FL Ocean Twp, NJ Middle City West, PA
Parrish, FL Oceanport, NJ Middletown Twp, PA
Port Richey, FL Oradell, NJ Miquon, PA
Riverview, FL Paramus, NJ Monroe Twp, PA
Rubonia, FL Park Ridge, NJ Mont Clare, PA
Ruskin, FL Parsippany, NJ Montgomery Twp, PA
Sarasota, FL Passaic, NJ Moon Township, PA
Seffner, FL Paterson, NJ Morton, PA
Sidell, FL Peapack and Gladstone, NJ Mt Lebanon Twp, PA
Spring Hill, FL Pennington, NJ Narberth, PA
Sun City Center, FL Pitman, NJ Neville Twp, PA
Tampa, FL Plainsboro Twp, NJ New Cumberland, PA
Tarpon Spngs, FL Princeton, NJ New Garden Twp, PA
Tarpon Springs, FL Princeton Junction, NJ Newlondon Twp, PA
Terra Ceia, FL Princeton Twp, NJ Newtown Square, PA
University of Tampa, FL Ramsey, NJ Noblestown, PA
Valrico, FL Randolph, NJ North Wales, PA
Venice, FL Randolph Twp, NJ Orefield, PA
Wesley Chapel, FL Raritan, NJ Paoli, PA
Wimauma, FL Readington Twp, NJ Paxtonia, PA
Winter Haven, FL Red Bank, NJ Penllyn, PA
Zephyrhills, FL Ridgefield, NJ Perkasie, PA
Fort Wayne, IN Ridgefield Park, NJ Peters Twp, PA
Huntertown, IN Ridgewood, NJ Philadelphia, PA
Laotto, IN Ringoes, NJ Phoenixville, PA
New Haven, IN River Edge, NJ Pittsburgh, PA
Abington, MA River Vale, NJ Plum, PA
Acton, MA Rochelle Park, NJ Plumstead Twp, PA
Andover, MA Rockaway, NJ Plymouth Twp, PA
Arlington, MA Rockaway Twp, NJ Radnor Twp, PA
Auburndale, MA Rocky Hill, NJ Richboro, PA
Bedford, MA Roosevelt, NJ Salford Twp, PA
Belmont, MA Roseland, NJ Schwenksville, PA
Boston, MA Roxbury Township, NJ Sellersville, PA
Boxford, MA Roxbury Twp, NJ Sewickley Heights, PA
Boylston, MA Rumson, NJ Shadyside, PA
Braintree, MA Rutherford, NJ Shaler Twp, PA
Burlington, MA Saddle Brook, NJ Silver Spring Twp, PA
Cambridge, MA Scotch Plains, NJ Silverdale, PA
Canton, MA Sea Girt, NJ Skippack Twp, PA
Dedham, MA Secaucus, NJ South Fayette Twp, PA
Dorchester, MA Sewell, NJ South Hills, PA
Dover, MA Shrewsbury, NJ Southampton, PA
Dunstable, MA Sicklerville, NJ Spring City, PA
East Walpole, MA Skillman, NJ Spring House, PA
Everett, MA South Bound Brook, NJ Springfield, PA
Framingham, MA South Brunswick Twp, NJ Swarthmore, PA
Franklin, MA South Orange, NJ Swatara Twp, PA
Freetown, MA Spotswood, NJ Thornbury Twp, PA
Georgetown, MA Spring Lake, NJ Towamencin Twp, PA
Grafton, MA Springfield Twp, NJ Trexlertown, PA
Groton, MA Stirling, NJ Upper Allen Twp, PA
Hamilton, MA Summit, NJ Upper Darby, PA
Hanover, MA Teaneck, NJ Upper Holland, PA
Holliston, MA Teterboro, NJ Upper Makefield, PA
Hopkinton, MA Titusville, NJ Upper Merion Twp, PA
Ipswich, MA Toms River Twp, NJ Upper Salford Twp, PA
Lakeville, MA Totowa, NJ Upper St Clair, PA
Lawrence, MA Trenton, NJ Upper Uwchlan Twp, PA
Lexington, MA Union City, NJ Valley Forge, PA
Lincoln, MA Upper Montclair, NJ Valley Township, PA
Littleton, MA Upper Saddle River, NJ Verona, PA
Lynn, MA Verona, NJ Villanova, PA
Lynnfield, MA Waldwick, NJ Warminster Twp, PA
Malden, MA Wall, NJ Warrington, PA
Marion, MA Wall Township, NJ Washington Xing, PA
Marlborough, MA Wallington, NJ Wayne, PA
Marshfield, MA Washington Twp, NJ West Caln Twp, PA
Mattapoisett, MA Waterford Works, NJ West Chester, PA
Maynard, MA Weehawken Twp, NJ West Goshen Twp, PA
Medfield, MA West Caldwell, NJ West Grove, PA
Medford, MA West New York, NJ West Point, PA
Medway, MA West Orange, NJ Wexford, PA
Melrose, MA Westfield, NJ Whitpain Twp, PA
Methuen, MA Wharton, NJ William Penn Annex East, PA
Middleboro, MA Whippany, NJ William Penn Annex West, PA
Millbury, MA Wood-Ridge, NJ Willow Grove, PA
Millis, MA Woodcliff Lake, NJ Wynnewood, PA
Nahant, MA Wrightstown, NJ Zieglerville, PA
Natick, MA Wyckoff, NJ Coventry, RI
Needham, MA Albany, NY Cranston, RI
Needham Heights, MA Amawalk, NY East Greenwich, RI
Newton, MA Amherst, NY Exeter, RI
Newton Center, MA Amity Harbor, NY Foster, RI
Newton Highlands, MA Ardsley, NY Hope, RI
Newton Lower Falls, MA Arlington, NY Kingston, RI
Newton Upper Falls, MA Athol Springs, NY Narragansett, RI
Newtonville, MA Atlantic Beach, NY North Kingstown, RI
Norfolk, MA Auburn, NY North Providence, RI
North Andover, MA Babylon, NY Peace Dale, RI
North Grafton, MA Bayberry, NY Providence, RI
North Reading, MA Bayville, NY Slocum, RI
North Waltham, MA Bear Mountain, NY Smithfield, RI
Northborough, MA Bedford, NY Warwick, RI
Norwell, MA Bedford Corners, NY West Greenwich, RI
Norwood, MA Bedford Hills, NY West Kingston, RI
Onset, MA Bellerose Village, NY West Warwick, RI
Pembroke, MA Bethlehem, NY Little River, SC
Reading, MA Bethpage, NY Longs, SC
Rochester, MA Blauvelt, NY Myrtle Beach, SC
Rockland, MA Bohemia, NY North Myrtle Beach, SC
Rowley, MA Brewerton, NY Ocean Drive, SC
Scituate, MA Briarcliff Manor, NY Addison, TX
Sherborn, MA Brightwaters, NY Allen, TX
South Grafton, MA Bronx, NY Aubrey, TX
Southborough, MA Bronxville, NY Bacliff, TX
Stoneham, MA Brookhaven, NY Baytown, TX
Stoughton, MA Brooklyn, NY Carrollton, TX
Stow, MA Buchanan, NY Colleyville, TX
Sudbury, MA Buffalo, NY Coppell, TX
Sutton, MA Cambria Heights, NY Corinth, TX
Swampscott, MA Camillus, NY Dallas, TX
Tewksbury, MA Carle Place, NY Dayton, TX
Topsfield, MA Carmel, NY Decatur, TX
Tyngsboro, MA Cayuga, NY Denton, TX
Wakefield, MA Cedarhurst, NY Dickinson, TX
Walpole, MA Centereach, NY Flower Mound, TX
Waltham, MA Centerport, NY Fort Worth, TX
Wareham, MA Cicero, NY Friendswood, TX
Wayland, MA Clarkstown, NY Garland, TX
Wellesley, MA Clay, NY Grand Prairie, TX
Wellesley Hills, MA Cold Spring Harbor, NY Grapevine, TX
Wenham, MA Congers, NY Hitchcock, TX
West Lynn, MA Copiague, NY Irving, TX
West Newbury, MA Cornwall, NY Justin, TX
West Newton, MA Cornwall on Hudson, NY Keller, TX
Westborough, MA Cortlandt, NY Kemah, TX
Weston, MA Crompond, NY Krum, TX
Westwood, MA Deer Park, NY La Marque, TX
Wilmington, MA Delmar, NY Lantana, TX
Winchester, MA Dix Hills, NY League City, TX
Woburn, MA Dobbs Ferry, NY Lewisville, TX
Wrentham, MA East Rockaway, NY Mont Belvieu, TX
Andrews Air Force Base, MD East Syracuse, NY Murphy, TX
Annapolis, MD Eastchester, NY North Richland Hills, TX
Annapolis Junction, MD Elmsford, NY Plano, TX
Arnold, MD Far Rockaway, NY Ponder, TX
Ashton, MD Farmingdale, NY Richardson, TX
Baltimore, MD Fayetteville, NY Roanoke, TX
Beltsville, MD Fire Island Pines, NY Rockwall, TX
Bethesda, MD Fishkill, NY Rowlett, TX
Beverley Bch, MD Fleetwood, NY Sachse, TX
Bladensburg, MD Floral Park, NY Saint Paul, TX
Bowie, MD Franklin Square, NY Sanger, TX
Boyds, MD Freeport, NY Southlake, TX
Brinklow, MD Garden City, NY Texas City, TX
Brookeville, MD Garden City Park, NY The Colony, TX
Burtonsville, MD Geddes, NY Webster, TX
Bwi Airport, MD Goldens Bridge, NY Aldie, VA
Cabin John, MD Granite Springs, NY Alexandria, VA
Calverton, MD Great Neck, NY Annandale, VA
Cape Saint Claire, MD Great Neck Plaza, NY Arcola, VA
Capitol Heights, MD Greenburgh, NY Arlington, VA
Catonsville, MD Greenlawn, NY Ashburn, VA
Chevy Chase, MD Greenvale, NY Barhamsville, VA
Clarksville, MD Guilderland, NY Bellevue, VA
Clinton, MD Hamburg, NY Bon Air, VA
College Park, MD Harrison, NY Brambleton, VA
Columbia, MD Hastings-on-Hudson, NY Brandy Station, VA
Cottage City, MD Haverstraw, NY Bristow, VA
Crofton, MD Hawthorne, NY Burke, VA
Crownsville, MD Hempstead, NY Carrollton, VA
Damascus, MD Hewlett Bay Park, NY Catharpin, VA
Darnestown, MD Hicksville, NY Centreville, VA
Davidsonville, MD Highland Mills, NY Chantilly, VA
Dayton, MD Hillburn, NY Chesapeake, VA
District Heights, MD Holbrook, NY Chesterfield, VA
East Case, MD Hopewell, NY Clear Brook, VA
Edgewater Bch, MD Huntington, NY Clifton, VA
Elkridge, MD Irvington, NY Dale City, VA
Ellicott City, MD Islandia, NY Dulles, VA
Finksburg, MD Islip, NY Dumfries, VA
Forestville, MD Islip Terrace, NY Engleside, VA
Fort Meade, MD Jericho, NY Fairfax, VA
Fort Washington, MD Lake Grove, NY Fairfax Station, VA
Fulton, MD Larchmont, NY Falls Church, VA
Gaithersburg, MD Latham, NY Fort Belvoir, VA
Gambrills, MD Lawrence, NY Fort Myer, VA
Garrett Park, MD Levittown, NY Franconia, VA
Germantown, MD Lincolndale, NY Fredericksburg, VA
Glen Burnie, MD Lindenhurst, NY Gainesville, VA
Glen Echo, MD Little Neck, NY Glen Allen, VA
Glenelg, MD Liverpool, NY Grafton, VA
Glenn Dale, MD Loudonville, NY Hayfield, VA
Glyndon, MD Lynbrook, NY Haymarket, VA
Granite, MD Lysander, NY Herndon, VA
Greenbelt, MD Mahopac, NY King George, VA
Harmans, MD Malba, NY Lanexa, VA
Highland, MD Malverne, NY Lansdowne, VA
Hillcrest Hgts, MD Mamaroneck, NY Leesburg, VA
Hunt Valley, MD Manhasset Hills, NY Manassas, VA
Hyattstown, MD Manhattan, NY McLean, VA
Hyattsville, MD Manlius, NY Middletown, VA
Ilchester, MD Marcellus, NY Midlothian, VA
Jacksonville, MD Massapequa, NY Mine Run, VA
Jessup, MD Massapequa Park, NY Mitchells, VA
Kensington, MD Melville, NY Moseley, VA
Landover, MD Merrick, NY Newport News, VA
Lanham, MD Mill Neck, NY Norfolk, VA
Laurel, MD Mineola, NY Oak Hill, VA
Lothian, MD Monsey, NY Oakton, VA
Millersville, MD Montrose, NY Potomac Falls, VA
Mitchellville, MD Mt Pleasant, NY Providence Forge, VA
Montpelier, MD Mt Vernon, NY Rapidan, VA
Mt Rainier, MD N White Plains, NY Reston, VA
Odenton, MD New Castle, NY Richmond, VA
Oella, MD New City, NY Ridge, VA
Olney, MD New Rochelle, NY Rosslyn, VA
Owings Mills, MD New Windsor, NY Seaford, VA
Parkville, MD New York, NY Shiloh, VA
Pikesville, MD Newburgh, NY Spotsylvania, VA
Potomac, MD North Babylon, NY Springfield, VA
Reisterstown, MD North Castle, NY Stafford, VA
Riva, MD North Hempstead, NY Stephens City, VA
Riverdale, MD North New Hyde Park, NY Stephenson, VA
Rockville, MD Northport, NY Sterling, VA
Russett, MD Nyack, NY Suffolk, VA
Sandy Spring, MD Oakdale, NY Toano, VA
Savage, MD Oakland Gardens, NY Triangle, VA
Severn, MD Oceanside, NY Vienna, VA
Severna Park, MD Old Bethpage, NY Virginia Beach, VA
Sherwood Forest, MD Old Westbury, NY West End, VA
Silver Spring, MD Orangeburg, NY West McLean, VA
Spencerville, MD Orangetown, NY Winchester, VA
Stevenson, MD Orchard Park, NY Winston, VA
Timonium, MD Ossining, NY Woodbridge, VA
Towson, MD Owasco, NY Woodford, VA
Upper Marlboro, MD Oyster Bay, NY Beaux Arts, WA
Upr Marlboro, MD Palisades, NY Bellevue, WA
Wheaton, MD Pearl River, NY Bothell, WA
Eliot, ME Peck Slip, NY Edmonds, WA
Kittery, ME Peekskill, NY Everett, WA
Atkinson, NH Pelham, NY Kenmore, WA
Bedford, NH Phoenix, NY Kirkland, WA
Brentwood, NH Piermont, NY Lake Forest Park, WA
Danville, NH Pleasantville, NY Lynnwood, WA
Derry, NH Point O Woods, NY Mill Creek, WA
East Hampstead, NH Pomona, NY Mountlake Terrace, WA
Epping, NH Port Byron, NY Mt Vernon, WA
Greenland, NH Port Chester, NY Redmond, WA
Hampton, NH Port Jefferson, NY Woodinville, WA
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I posted an earlier topic (Request for Career Advice) a few months ago. It's now archived.Recap:
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1. Wifey was a stay-at-home mom, looking to get back to work after minding the kids for 6 years. 2. She had a liberal arts background, with an MA in English Literature from a college in India. She was an "Adjunct Professor" there before coming over here. 3. She loves teaching and wanted to be a school teacher. Initially she wanted to be an Elementary teacher (so that she could work in the same school that the kids are goint to go to). That later changed into becoming a math teacher instead. Since Then:
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1. She continued to take math/science courses. She has gathered up about 20 credits already with spring and summar courses. For the current fall, she has 10 more credits in progress. 2. She has maintained straight A's, including an A+ in a summar course from one of the local state universities that give it. 3. Continued to work as a "Math Tutor" in the local community college. 4. In the course of the last few months, her goal has now changed! She no longer wants to be a school teacher (thank god!!). I credit her class instructors (nearly all of them) and people she works with as a Math Tutor for finally being able to do what I couldn't, which is to help her realize how little respect school-teachers get around here. 5. She met with the academic advisors in nearby universities to see what it will take her to get into any Math related (Math/Stat/CS) MS or BS program. We thought that she may have a chance of getting in given her straight A's, extremely strong recommendations and equally strong test scores (e.g. 116 in TOEFL, 1 point shy of an all-time high).
Data point to note: Undergraduate counsellors, themselves not part of the faculty, were either ignoring ("Please fill this form and we will call you back") her, discouraging her ("Why do you want to switch to Math"), or trying to treat her as a money machine ("Well, we know you have an MA in English, but you still have to do these 14 lib arts courses for a BS since we dont transfer those credits"). OTOH, the graduate counsellors (she spoke with 2 of them), themselves part of the faculty, took far more interest into her unusual background and made exceptions happen. 6. One of the local universities have now accepted her into an MS program in Computer Science. She has to do 52 credits instead of the usual 32 credits in order to make up for the lack of her Computer Science background. She has received the acceptance letter in hand to start the course-work from Spring 2013.

The plan going forward:
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1. She plans to pursue the MS part time, continuing the Math courses (e.g. the calculus series and some discrete math stuff after that) at the undergraduate level so that she has a more solid math footing for her CS Graduate course-work.
2. After 1 year of doing MS coursework at this school, she may try to transfer some other school with a higher academic ranking. Given her unconventional background for a CS/Math student, she cant realistically get into any top tier school right away. However, another year of CS coursework will hopefully help her get into the door. There is no harm in at least trying.
3. She is not decided if she wants to do teaching/research or work in the industry. Ideally she'd like to do something that is not too intense, leaving her some time to take care of the kids. Any suggestions on how to improve her chances of transferring into some top tier college (the GATech's and UT-A's of the world) a year down the line? I guess it is too early right now, but any suggestions on how to improve her chances of finding good employment (if she decided to join the industry and not go the academic rout) will be apreciated.

What exactly do i need to get this done? I am 25, graduated college in May 2011. Been working full time for a little over a year. I expect a raise to around $50,000 within a year once I get promoted.
What exactly is required as far as job stability and credit history? is 20% down payment definitely required? Could I get like 10%, or no?
I am looking to get in on these low interest rates and low prices. We are talking 20 miles from Manhattan here. Looking at this becoming property as a rental 7-10 years down the line.

My sons high school partnered with the Union Tribune to help fund the College for Me Program. As part of this, they are offering new subscribers a year of the paper for 5cents, and each new subscription gives $10 to the program. You would have to mail in the form to Helix Charter High School to participate with your nickel. Info can be found on the school website: http://helixcharter.net/Direct link to Form found here: UT College for me Subscription form

http://www.marketwatch.com/story/your-right-to-resell-your-own-s..." The case stems from Supap Kirtsaengs college experience. A native of Thailand, Kirtsaeng came to the U.S. in 1997 to study at Cornell University. When he discovered that his textbooks, produced by Wiley, were substantially cheaper to buy in Thailand than they were in Ithaca, N.Y., he rallied his Thai relatives to buy the books and ship them to him in the U.S.He then sold them on eBay, making upwards of $1.2 million, according to court documents.Wiley, which admitted that it charged less for books sold abroad than it did in the U.S., sued him for copyright infringement. Kirtsaeng countered with the first-sale doctrine. "According to this, what is at stake is the First-sale Doctrine in copyright law from 1908, which held that the owner only had copyright control for the first sale. This lawsuit (Kirtsaeng v. John Wiley & Sons) coming up through the courts, were it has been upheld in the U.S. Court of Appeals for the Second Circuit that this doctrine only applies to US manufactured goods. Would be interesting to see how big of an economic hit this would have in the US if upheld by the Supreme Court.

This mailer with a promo card showed up today; it may be a local extension of this (now expired) bonusTo celebrate the new Chase branch opening at 6300 Wilshire Blvd., bring in this card, open a Chase Total CheckingSM account, and youll get $200.Not sure how much theyll enforce having to bring the card in person; if anyone tries sweet-talking a teller, please update thread. Otherwise, lookout for similar mailers in LA (or where there are new branches opening).Details on back of card for Banker Instructions:1)Eligibility: Personal checking accounts except High School, College and Access Checking. Coupon good one time and may not be transferred to others.2)Account Opening: Enter coupon code. Customer has 60 calendar days to deposit at least $100 and then bonus will be deposited within 10 days.3)E-Coupon Receipt: Print and give to the customerImportant Information below card on mailer (nearly identical to those in above link):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 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 with a negative balance. To receive the bonus: 1) open a new Chase Total CheckingSM account, which is subject to approval; AND 2) deposit $100 or more within 60 days of account opening. The bonus cannot be used as the opening deposit. After we receive your minimum $100 deposit, well deposit the bonus in your new account within 10 business days. 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.

Price adjusts once you add clearance item to your cart. Use code 47645011 for an extra 20% your entire order if you purchase a pair of jeans.
Linky
Beginning October 3, 2012 at 12:00 am EDT through October 14, 2012 at 11:59 PM PDT, buy any AE Jean and get 20% off your entire order. You must enter the following Discount Code 47645011 at the ae.com or aeofactorystore.com shopping bag to take an additional 20% off your purchase. Discount applied to AE and AEO Factory Store merchandise only prior to sales tax and shipping & handling. Only one discount of any type may be used at one time. This discount is not redeemable for cash, nor is it valid toward any previously purchased merchandise or the purchase of merchandise certificates, gift cards or e-gift cards. Offer excludes Aerie, 77kids and merchandise from these brands: Aden +Anais, Adidas, Bass, BC, Bed Stu, Birkenstock, Chronicle, Clarks, Creative Rec, DV, Eastland, GOLA, Junk Food, Keds
, Me Too, MIA, Minnetonka, New Balance, New Balance/PF Flyers, Old Soles, Palladium, Reebok, Saucony, Sperry, Steve Madden, Sweet Shoes, Tailgate, Timberland, Tretorn and college and pro merchandise. Discount and associated terms & conditions subject to change at AE's sole discretion.Offer valid on Clearance items beginning October 3, 2012 at 12:00 am EDT through October 9, 2012 at 11:59 pm PDT only at AE.com and AE stores. 40% off discount is automatically applied once a Clearance item(s) is added to the AE.com shopping bag. This 40% off offer can be combined with other discount offers. No discount code is required at the AE.com shopping bag. Discount applies to merchandise costs only, not tax and shipping & handling costs. This discount is not redeemable for cash, nor is it valid toward any previously purchased merchandise or the purchase of merchandise certificates, gift cards or e-gift cards. Offer excludes undies and merchandise from these brands: Adidas, Bass, BC, Bed Stu, Birkenstock, Clarks, Creative Rec, DV, Eastland, GOLA, Junk Food, MIA, Minnetonka, New Balance, New Balance/PF Flyers, Palladium, Reebok, Steve Madden, Tailgate, Timberland, and Tretorn. Discount and associated terms & conditions subject to change at AE's sole discretion. 2012 AEO MANAGEMENT CO. ALL RIGHTS RESERVED.

Try to get to the nitty grittyFriend of mine (whom lives 200mi away, by the house in question) and another guy co-own a college rental. In 2009, they bought it for 100k with little to nothing down. Mortgage right now is at 93k at 4.6%. They added another bedroom to make it a 4/2 and also updated a lot. (I can give the address but didn't know if I was going down the wrong path or not doing so...)Each student pays 2k per semester (4k per yr) so thats 16k per year collected. Mortgage/taxes are 8k. They are left with 8k or 4k each (obviously not including repairs etc). The house currently is set for rent thru 2015, with the next 2 years being 3k in rent per semester or 25k collected yearly. This will put 25k-8k=17k or 8500 per year in their pockets. (Summers are vacant too which could be another rental source.)My buddys' co-owner wants bought out. They recently had the house for sale for 150k with offers at 143k. Assuming the house can sell for 143k, after commisions, they could each walk away with 20k (143k-10k commisions-93k mortgage=40k or 20k each). The co-owner threw out a number of 50k for a buyout, thus netting me potential 20k in equity and 4k profit 2012-2013 increased to 8500 through 2015. I would obviously do no legwork since I'm 200 miles away, so I may get 40% while my buddy gets 60% of rental income.Is 50k a reputable amount for 40% face value equity and passive cash flow? 40k? 30k? 20k? Is this something that will be a big mess? I am good friends with the co-owner FWIW.Figuring worst case 4k profit/year makes for 8% on my money. Obviously 8k would be 16%.What to do collective wisdom of Fatwallet?

Car Mat SetWhile supplies last- college and NFL teams to choose fromChoose either 2 pc 18 x 27 car mat set, or a 31 x 31 Vinyl cargo mat
The Home Depot Coupons

Just got this offer in my email from Page Toyota of Michigan. I am copying and pasting the details.If interested, please learn more about the deal by calling the dealer directly. From what I read, seems to be a good dealAttention Great Deal Lovers!!You ever wish that you could truly get more than what you bargained for? If so, then, I would like to introduce you to the 2012 Scion iQ. Although it is only 10 feet long and being hailed as the world's smallest four seater....don't let the size fool you! Scion generously packed this micro-subcompact with 11 airbags (including the industry's first rear-window airbag), automatic transmission, standard Bluetooth and HD radio technology, USB/IPod connection, air conditioning, power locks, windows and mirrors, cruise control, anti lock brakes, traction control, vehicle stability assist and more! The iQ has a grippy ride, its very composed in corners due to its wide wheel base and its surprisingly fun to drive.
The iQ is designed for tall people to fit comfortably.
In addition to all of these great facts about the iQ - it has received the following award
for its great fuel efficiency, which is
37 MPG! What would you expect your lease payment to be for this Scion for all of these wonderful amenities?
$250 per month? $199 per month? Well, from now until October 1st, check out the amazing lease specials we have available for the 2012 Scion iQ!Lease for only $135 per month with zero down!ORLease for only $109 per month with $995 down!
OR If you are a recent college graduate or active military personnel, you could possibly qualify for TFS down payment assistance and then you can
Lease for only $85 per month with only $995 down!Leasing incentives good through Monday, October 1st, 2012All iQ leases come standard with a FREE 2 year maintenance and road side assistance plan.There is truly no other vehicle on the road that compares to the Scion iQ. These great lease options makes the Scion iQ a great second or third vehicle for your household.
Come on in.
Give the Scion iQ a spin and see if you find it to be more than what you bargained for.Our hours are as follows:
MONDAY & THURSDAY 9-9 PM
TUESDAY, WEDNESDAY & FRIDAY 9-6 PM
SATURDAY 10-4 PMPlease call Crystal or Dominica at 248.352.8580 to schedule your iQ test drive today.

Just got this offer in my email from Page Toyota of Michigan. I am copying and pasting the details.If interested, please learn more about the deal by calling the dealer directly. From what I read, seems to be a good dealAttention Great Deal Lovers!!You ever wish that you could truly get more than what you bargained for? If so, then, I would like to introduce you to the 2012 Scion iQ. Although it is only 10 feet long and being hailed as the world's smallest four seater....don't let the size fool you! Scion generously packed this micro-subcompact with 11 airbags (including the industry's first rear-window airbag), automatic transmission, standard Bluetooth and HD radio technology, USB/IPod connection, air conditioning, power locks, windows and mirrors, cruise control, anti lock brakes, traction control, vehicle stability assist and more! The iQ has a grippy ride, its very composed in corners due to its wide wheel base and its surprisingly fun to drive.
The iQ is designed for tall people to fit comfortably.
In addition to all of these great facts about the iQ - it has received the following award
for its great fuel efficiency, which is
37 MPG! What would you expect your lease payment to be for this Scion for all of these wonderful amenities?
$250 per month? $199 per month? Well, from now until October 1st, check out the amazing lease specials we have available for the 2012 Scion iQ!Lease for only $135 per month with zero down!ORLease for only $109 per month with $995 down!
OR If you are a recent college graduate or active military personnel, you could possibly qualify for TFS down payment assistance and then you can
Lease for only $85 per month with only $995 down!Leasing incentives good through Monday, October 1st, 2012All iQ leases come standard with a FREE 2 year maintenance and road side assistance plan.There is truly no other vehicle on the road that compares to the Scion iQ. These great lease options makes the Scion iQ a great second or third vehicle for your household.
Come on in.
Give the Scion iQ a spin and see if you find it to be more than what you bargained for.Our hours are as follows:
MONDAY & THURSDAY 9-9 PM
TUESDAY, WEDNESDAY & FRIDAY 9-6 PM
SATURDAY 10-4 PMPlease call Crystal or Dominica at 248.352.8580 to schedule your iQ test drive today.

Just got this offer in my email from Page Toyota of Michigan. I am copying and pasting the details.If interested, please learn more about the deal by calling the dealer directly. From what I read, seems to be a good dealAttention Great Deal Lovers!!You ever wish that you could truly get more than what you bargained for? If so, then, I would like to introduce you to the 2012 Scion iQ. Although it is only 10 feet long and being hailed as the world's smallest four seater....don't let the size fool you! Scion generously packed this micro-subcompact with 11 airbags (including the industry's first rear-window airbag), automatic transmission, standard Bluetooth and HD radio technology, USB/IPod connection, air conditioning, power locks, windows and mirrors, cruise control, anti lock brakes, traction control, vehicle stability assist and more! The iQ has a grippy ride, its very composed in corners due to its wide wheel base and its surprisingly fun to drive.
The iQ is designed for tall people to fit comfortably.
In addition to all of these great facts about the iQ - it has received the following award
for its great fuel efficiency, which is
37 MPG! What would you expect your lease payment to be for this Scion for all of these wonderful amenities?
$250 per month? $199 per month? Well, from now until October 1st, check out the amazing lease specials we have available for the 2012 Scion iQ!Lease for only $135 per month with zero down!ORLease for only $109 per month with $995 down!
OR If you are a recent college graduate or active military personnel, you could possibly qualify for TFS down payment assistance and then you can
Lease for only $85 per month with only $995 down!Leasing incentives good through Monday, October 1st, 2012All iQ leases come standard with a FREE 2 year maintenance and road side assistance plan.There is truly no other vehicle on the road that compares to the Scion iQ. These great lease options makes the Scion iQ a great second or third vehicle for your household.
Come on in.
Give the Scion iQ a spin and see if you find it to be more than what you bargained for.Our hours are as follows:
MONDAY & THURSDAY 9-9 PM
TUESDAY, WEDNESDAY & FRIDAY 9-6 PM
SATURDAY 10-4 PMPlease call Crystal or Dominica at 248.352.8580 to schedule your iQ test drive today.

Back in Feb of 2011 my former employer went though a reorg, and my job was eliminated. At the same time I had the chance to go back to the local community college and complete a year long cert program in Project Management for free. I had been saving my nickels and dimes so money is not that big of a pressure. I have plenty to go a few years without working if I had to. So all in all I feel it worked out ok. That program finished up this past April, and I got my cert from them.
My former jobs have all been some form of IT support, usually heavy on the hardware side. However all of them in one way or another had some aspect of PM in them. That is why I decided that the cert program would be a good idea.While I have had several PM related interviews since I completed my certs, I have not had an job offers. I have been doing the regular daily job hunting on Monster, Dice, Craigslist, etc...
I could probably return to an IT support role, but I want the moderate career change to something PM related.Now it has been ~6mo since I completed the program. At what point should I be worried about the concept of 'no one else has hired him in x months/years... why should I?' Would I be better served to take any job (within my past experience/salary range) just to have something on my resume saying I was working somewhere, even if it is not related to where I want to go to avoid this concern?

Reason given: To prevent fraud.
but on top of that, they SCAN in your picture ID.i see this as a thinly disguised way of debt collecting because most people only have their driver's license as their picture ID.i was surprised by the doctor's office (Sports medicine) when i went to him for the first time.
luckily i had my old college ID and handed it to them since they said A picture ID. whats your take on the doctors office scanning in your picture ID?

Reason given: To prevent fraud.
but on top of that, they SCAN in your picture ID.i see this as a thinly disguised way of debt collecting because most people only have their driver's license as their picture ID.i was surprised by the doctor's office (Sports medicine) when i went to him for the first time.
luckily i had my old college ID and handed it to them since they said A picture ID. whats your take on the doctors office scanning in your picture ID?

Help! I won a trip to Waikiki and the agency is giving me the choice of the following 3 hotels:Hilton Waikiki Beach
Ashton Waikiki Beach
Outrigger Luana WaikikiAny help/input/suggestions would be greatly appreciated. We are going to bring our college aged kids along to share the room. We will be there for 4 nights 5 days. I looked at them all on Trip Advisor and I still can't decide! I need to get back to her in the next few days.Thanks!
Lee

A neighbor teenager just started college and got into a car accident driving to school and is at fault. The kid is not on the family's insurance policy (yet). Should the insurance cover the accident (damage to the other car)? This is in California. Allstate, in this case is denying the coverage. Is this right?Thanks.

Free Vision 2013 Magazine with Multilingual PostersOrder your free copies of VISION Vocation Guide 2013, available Aug. 1, 2012.Multilingual POSTERS included with each issue! Display in your classroom, church, ministry office, or college dorm.Order your free 2013 VISION Vocation Network Multilingual bookmarks as well.PUBLICATION DATE: August 1, 2012.Printed copies shipped to U.S. and Canada only.For other areas, please refer to VISION's digital issues at DigitalVocationGuide.org.On the form below, please specify the number of copies you'd like to receive and the shipping address. Please include a street address (no P.O. boxes) for orders over 2 copies. VISION is free with shipping and handling included in the first 100 copies ordered. A $30 shipping fee will be added for every 100 copies ordered after your first 100 copies. http://www.vocationnetwork.org/orders

As we're heading into the final quarter of 2012, I was doing some tax status reassessment for the year last night and noticed something. One of our sons graduated from college this spring (in 4 years), and we are going to claim him as a dependent for one final year this year. As you know, 4 years college impacts 5 tax years. You are allowed to claim Hope/American Opportunity tax credit for 4 undergraduate years. We claimed the full Hope/Am. Opportunity credit in 2008 for his freshman fall semester, then again in 2009 (freshman spring, sophomore fall), 2010 (soph-junior), and 2011 (junior-senior). For his senior spring semester in 2012 we had always planned to take the Lifetime Learning credit, having used up the 4 years of Hope/American Opportunity.However, it turns out that since I went back to work full time (after many years as a SAHM), our 2012 income will disqualify us from Lifetime Learning Credit. However, American Opportunity has a higher disqualification threshold which we will still be under in 2012.

My question:
Any reason I can't file an amended return for a prior year (likely 2011) where we were under the Lifetime Learning threshold and claim Lifetime Learning instead of American Opportunity for that year, then take our 4th year of American Opportunity in 2012? We would owe back taxes of $500 for the difference between Lifetime learning credit of $2000 and American Opportunity credit of $2500, plus perhaps some level of interest and penalties. But we'd still come out way ahead by being able to take the $2500 American Opportunity credit in 2012 (as opposed to no credit).I've researched this and haven't found anything that indicates I can't do this. American opportunity/Hope can only be claimed 4 times per student, for undergraduate only, toward a degree program. I didn't find anything that indicates it must be used in 4 consecutive years.But I'm looking for some second opinions or affirmations. Thanks!

A Special Edition from Jamie Hill published by Books We Love.
Jamie Hill Special EditionHide and Seek
Wild Thing Series, Book One. Life cant be all fun and games, or can it? Madison Stewart spends her days taking care of children at the Sunny Days Childcare Center, and her nights wondering whats missing from her life. When Robert Cooper brings his three year old daughter, Sophie, to the center, he not only fills the vacancy in Maddies classroom, but also the empty spot in her heart.
Sophies mother returns with her own agenda, and Rob is forced to choose between an old, familiar existence and his new, more complicated relationship. Shocked and hurt at his indecision, Maddie, with secrets of her own, feels the need to run and hide. When Rob seeks her out, what he finds stuns him and changes their lives forever.Run to Me
Wild Thing Series, Book Two. Madison Cooper has everything shes ever hoped for. She adores her handsome husband and he cherishes her. Their children are lively and beautiful, bringing great joy to both of them. Her life feels perfect in every way. An urgent phone call from her mother draws Maddie into the past, where shes flooded with memories, some of which are better left buried. Maddie struggles to deal with a series of unfortunate events, which increasingly complicate her daily life. Unresolved feelings niggle at her, until shes forced to face her past and put things to rest, one way or another.Secrets and Lies
Natalie Jameson has a handsome husband, three wonderful children, and one very big secret. She's managed to keep it under wraps for over twenty years, but recent events lead her to decide she has no choice but to reveal the terrible truth.
Alex Jameson has had one goal in life since the minute he met Natalie on their college campus. Do whatever it takes to make this woman happy. When circumstances threaten to unravel the web of secrets and lies they've built around themselves, will their love be strong enough to survive?

I searched on this forum but couldn't find any related discussion so posting.I know most of you who have kids think about these things so I am posting here to get some advice/insight into these issues. We are about to have our second kid and thinking about saving some cash for their future college fees.
Is there a limit to amount a parent can put towards kids college, this is after tax money. e.g can I give them say 50K now as a future college fund? the Fund/gift/savings what ever you want to call the above, we want to have this beyond the college savings we do on a monthly basis - so will this cause extra taxing? what are the best saving vehicles like funds or Bonds - not expecting huge returns but at the same time little more than measly 0.5% on savings accounts.

people tried to sell me insurance+return on investment policies - after careful reading decided against them
stock market is took risky.
my 401k got screwed up in MF - but these might be the safest???
Last but not least - given college fees are so expensive now (bstards!!!!) what can we expect them to be in 18yrs from now? is there a certain % the fees goes up each year? (what happened to free education for all??)thanks for all your help

Ski season is almost here! The below represents many of the upcoming ski and snowboard swaps / tent sales in the Northeast. Original source --> http://forums.alpinezone.com/showthread.php?113089-Ski-Swaps-Ten...September
14th-16th - Potters Brothers Ski Swap - Fishkill, NY - Annual Swap at each of their locations.http://potterbrothers.com/events_swapsell2012/
22nd - SkiWard / Boston Ski+Tennis Race Gear Swap - Shrewsbury, MA - Race gear swap. ** NOTE ** Drop off is at Boston Ski+Tennis in Westboro, MA, *NOT IN SHREWBURY* 9/20: Last day for race gear drop off. Anytime prior to 9/20 is fine. Sale only includes gear which is less then 5 years old ** NOTE ** http://skiward.com/wordpress/wp-cont...ent-Flyer1.pdf [skiward.com]
24th - Rebel Booster Ski Swap - South Burlington High School,South Burlington,VT - http://sbsd.sbhs.schoolfusion.us/mod...0083aed7577d08 [schoolfusion.us] 4pm-9pm
27th-30th - Potters Brothers Ski Swap - Kingston, NY - Annual Swap at each of their locations.http://potterbrothers.com/events_swapsell2012/
28th-30th - Pico Ski Club Gear Swap - Killington, VT - Held at Pico Mountain http://www.picoskiclub.com/ski_swap.html
October
4th-8th - Wachusett Annual Ski & Snowboard Swap - Wachusett Mountain, Princeton, MA - 2nd-3rd: Drop off only.http://www.wachusett.com/EventsActiv...5/Default.aspx [wachusett.com]
5th-7th - Colchester Ski /Skate Swap - Colchester High School, Colchester, VT - 5th: Drop off, 6th-7th: Sale http://www.csdvt.org/chs/main/calendars/chscal.pdf
5th-8th - Killington Ski Club Swap - Killington, VT https://www.google.com/calendar/rend...rue&output=xml [google.com]
5th-7th - Smugglers Notch Ski & Snowboard Sale/Swap - Essex Junction, VT - 5th: Drop off http://www.smuggs.com/pages/fall/amenities/events.php
6th - Windham Autumn Fair & Swap - Windham, NY - 10-4 WAJ Ski Swap - 2nd floor Valley Side http://www.windhammountain.com/summer/events-activities/events-c... rt_date=2012-08-23&event_eid=2011022511514475 [windhammountain.com]
6th-7th - Colchester Ski /Skate Swap - Colchester High School, Colchester, VT 5th: Drop off http://www.csdvt.org/chs/main/calendars/chscal.pdf [csdvt.org]
6th-8th - Ski Haus Ski Swap - Poughkeepsie, NY - http://www.skihausonline.com/sales-events
6th-8th - Waterville Valley Folliage Festival & Swap - Waterville Valley, NH - Not much information available, besides the words 'ski swap' being in the event. http://www.waterville.com/events-dea...r.html?id=5341 [waterville.com]
12th-14th - Potters Brothers Ski Swap - Middletown, NY - Annual Swap at each of their locations. http://potterbrothers.com/events_swapsell2012/
19th-20th - Mcintyre Ski Area Anual Ski Swap - Mcintyre Ski Area, Manchester, NH http://www.mcintyreskiarea.com/index...01returnid=110 [mcintyreskiarea.com]
20th - Montpelier Ski and Skate Swap - Montpelier High School Gym, Montpelier,VT18th-19th: Drop off Only. http://www.montpelierrec.org/events/...te-sale-oct-22 [montpelierrec.org]
20th - Middlebury Ski Patrol Ski Sale - Middlebury College, Middlebury, VT 19th: Drop off http://www.middlebury.edu/events/#/?i=17
20th-21st - Wick's Annual Consignment Sales - Wick's Ski and Sport, Exton, PA http://www.wicksskishop.com/winter/s...esevents/c23os [wicksskishop.com]
26th-28th - Potters Brothers Ski Swap - Poughkeepsie,NY - Annual Swap at each of their locations. http://potterbrothers.com/events_swapsell2012/
26th-27th - Bethel Outing Club Ski Sale - at Gould Academy - Gould Academy Field House,Bethel, ME - Web site has not been updated, however I have confirmation of the date http://www.bethelouting.org/#!boc-fall-ski-sale [bethelouting.org]
27th-28th - Mount Southington Annual Ski Swap -Southington, CT - 24th: Drop off between the hours of http://www.mountsouthington.com/content/news [mountsouthington.com]November
2nd-4th - Gunstock Ski Club Annual SwapGilford, NH - Few details released,http://gunstockskiclub.ngin.com.prod.ngin.com/ mentions is being on the weekend of November 2nd.
2nd-4th - Ski Sundown Annual Ski Swap - New Hartford, CT http://skisundownnsp.org/SWAP/SwapIndex.htm Flyer: http://www.skisundownnsp.org/SWAP/SWAP.pdf [skisundownnsp.org]
3rd-4th - Cochrans Ski and Ride Swap - Camels Hump Middle School, Richmond, VT - Assumption on date made, it's always the first week of Nov. http://www.cochranskiclub.org/Cochrans_Ski_CLub/Ski_Sale.html [cochranskiclub.org]
4th - Pat's Peak Annual Octoberfest Ski/Snowboard Swap - Henniker, NH - http://www.patspeak.com [patspeak.com]
4th - 45th Annual Brunswick Ski Swap - Brunswick Rec Center, Brunswick, ME http://www.brunswickme.org/departmen...s/45th-annual/ [brunswickme.org]
8th-11th - BEWI Ski & Snowboard Expo - Boston, MA - Not a swap, but it IS a very large show. Often, freebies/give aways at the show. http://www.bewisports.com/expos/boston/ [bewisports.com]
10thFranconia Ski Club Annual Swap - Lafayette Elementary School, Franconia, NH***** NOTE: Date Changed to Nov 10th from October 27th *****
11th - Auburn Ski Association Annual Swap - Auburn, ME - http://www.auburnskiassociation.com/
17th - Okemo Ski & Snowboard Swap - Ludlow, VT - Okemo Mountain School Annual Swaphttp://www.yourplaceinvermont.com/vi...ap/2012-11-17/ [yourplaceinvermont.com]
17th-18th - Wick's Annual Consignment Sales - Wick's Ski and Sport, Exton, PA - http://www.wicksskishop.com/winter/s...esevents/c23os [wicksskishop.com]
18th-19th - Cambridge Area Rotary Ski Swap - Cambridge Elementary School, Cambridge, VT http://virtualmark.net/rotary/swap.htm
23rd-25th - Ski Haus Ski Swap - Brewster, NH http://www.skihausonline.com/sales-events
23rd-25th - Ski Hau Ski Swap - New Milford, CT - http://www.skihausonline.com/sales-events
27th - Down East Ski Club - Portland, ME http://www.downeastskiclub.com/ski_sale.htmlDecember
1st-2nd - Ski Haus Ski Swap (Continued)Brewster, NH http://www.skihausonline.com/sales-events
1st-2nd - Ski Haus Ski Swap (Continued)New Milford, CT http://www.skihausonline.com/sales-events
8th - Westford Annual Ski Swap - Hastings School Cafeteria, Westford, MA7th: Drop off Only. http://www.explorerpost85.com/ski%20swap2.htmJanuary
12th-13th - SkiRack Annual Ski Swap - Burlington, VT - Held at their Burlington store. Details will be available closer to swap. http://www.skirack.com/

Wow, when I found this site I realized all the crazy schemes I dreamed up have been hashed over, collaborated on, and mastered by you guys. This is amazing. I am hoping if I tell you my situation you can tell me where to start:I have $25,000 in the bank (will be $30,000 in December)Most of it is student loan money, but it's currently borrowed at zero interest and the Army is paying off $20,000 of my student loans over the next 6 years. I have $22,000 in credit card debt but purposefully keep the cash in the bank so I have it on hand for emergencies.I don't work, my family pays my rent and a lot of my bills, and I get about $1000 a month in Obama money and other school/military grants. I'm a senior in college.I have great credit, and roughly 1/3 of my debt is on a business credit card from a dissolved corporation and because of such it does not show up on my credit report (i.e. the banks think I only have 14k in credit card debt and don't count my student loans since they're deferred).I have gotten my feet wet bullying banks by exploiting the account opening bonuses and closing the accounts after.I also pay a lot of my families bills on my credit cards and pocket the cash to take advantage of reward points.Based on the amount of cash I have (and my desire to only invest it in places with zero risk) what are some ways I can use it to make money? Should I do the App-O-Rama thing?Also, I have about $2000 in the stock market if you guys have any good stock tips.

Receive FREE SHIPPING and 50% off any SC Johnson Concentrate Starter Kit.
I bought all five of the Starter Kits for only $13.80 (with tax) which include Pledge, Windex, Fantastik, Scrubbing Bubbles, and Shout Rug Cleaner. I shipped them all to my daughter who's living in her first apartment with four college roommates. These cleaning supplies will probably last her all year if her messy bedroom at home is any indication. Each Starter Kit includes two mini concentrates and one empty refillable trigger bottle. One mini concentrate refill is equal to a 26 FL. OZ. bottle of cleaning product. You just add the concentrate and water to the refillable trigger bottle, and you're helping to save the environment.Use Code: RBRECYCLEThe code will apply to as many kits as you order, they are 2.50 each (5.00 each w/o code)
You can also buy extra mini concentrates for $1.25 ($2.50 w/o code) and extra trigger bottles for 25 cents ($0.50 w/o codes.)Link

Did many searches within and without FWF. Appreciate any input you can offer:We expect to retire in 8-10 years and are looking at buying a vacation/retirement home now. Given the currently
available inventory, outlook for additional short sales, prospect of low interest rates, etc., it seems to be a
good time to investigate this seriously.Our profile:
Wife and I Ages late 50s, with two young teens
College savingsOK
Retirement savings & pensions Fine
Car loansNone
Credit cardsPaid off in full monthly
Credit scoresExcellent (780+)
Household income$110KHome Value$400K
Real estate debt$ 85K ($70K PenFed HEL @ 1.99%, 5 years left, and $15K HELOC)
Home Equity$315KWe've started checking out houses in the $130K-$200K range in our target towns (from home, a 90-minute drive or
so).For financing, we'd like to:
1) get a $100K HELOC now,
2) draw $50K on it now towards paying for the new house,
3) then, maybe soon after, refinance our current house, getting a $220K with a 30-year mortgage with cash outNumbers:House 1--
Value400,000
New HELOC100,000(balance to be $65K: $15K previous HELOC plus $50K immediate draw)
- - -
New mortgage220,000
Current HEL-70,000
Refi cash out150,000House 2--
Refi cash out150,000
From new HELOC+50,000
Price200,000 (max.)Debt--
New mortgage220,000
New HELOC+65,000 (see note under House 1)
Total285,000Monthly Payments--
New mortgage 928(30 yr fixed @ 3.00%)
From HELOC+ 1,000
Total 1,928(roughly what pay now toward HEL and HELOC combined)At our retirement(s), we would sell House 1 and move into House 2.Questions:
-How reasonable is this financing scenario? How can we improve on it?-How risky is this whole idea?-Does it make sense to put the $100K HELOC into place now so we can do the $50K draw,
or is it better to first speak with a lender about the entire plan (HELOC plus Refi)?-Regarding credit card usage, do prospective lenders care how much we charge and pay off each month, or do they
only care about card balances that are carried over month to month?-What are we missing?

FREE Amazon Student Membership 2012Are you a college student? If so, you can sign up for a FREE Amazon Student Membership (a $79 value!) when you use your .edu email. Benefits include Amazon Prime shipping benefits free for six months, FREE two-day shipping on millions of items, FREE release-date delivery on select items as well as deals and promotions exlusively for students.Plus, for a limited time, all new members get a FREE $3 Amazon MP3 Credit!

Save $20 after promo code and mail in rebate. Excellent overall reviews, 5/5 eggs rated with 101 reviews. Ships free. $39.99 List
-$10.00 Promo Code: EMCNAJJ73 (expires 9/12)
-$10.00 Mail in Rebate
* Valid for purchases 9/11 & 9/12 only *Features:
* Aluminum / Plastic ATX Mid Tower
* 2x USB 2.0 Front Ports
* 1x 120mm Rear Fan, 1200RPM
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* Bottom Mount PSU
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* 2 Year Warranty (Parts & Labor)Gamers spend approximately $60 per game and buy X number of video game titles per year. You know what its likeit adds up very quickly. Sometimes gamers are starving college students, sometimes gamers are in relationships or have other financial responsibilities. The green keeps flying away. NZXTs Source 210 is here to provide the basic chassis to house your rig. Its modest and contains the essentials for performance. Its the chassis you can afford.The Source Series is NZXTs chassis line designed to be a starting block for first time builders or a stepping stone for those who want to upgrade their rig later on. Each chassis faithfully serves their purpose as an affordable, memorable part of your system building experience; it may just be a keeper.
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A real nice Ivy bridge slim & lightweight laptop with excellent battery life for students only. A very good price after rebate considering the specs. Check them out below. From reading the reviews, a few people having a slight issue with the touchpad, I would expect firmware updates to correct this. Also can use an external mouse. Other than that, seems like an excellent choice for an upgrade or school/college lappy. Ships free or store pick-up (if available).LINK
$100 Visa Card Rebate
* Valid 07-08-2012 through 09-15-2012 *Details: Get a $100 Visa (R) Prepaid Card Mail In Rebate on Select Laptops (SKUs 932061, 932133, 931106, 931147) with a VALID STUDENT ID at Staples.comFeatures:
* Intel Ivy Bridge i5-3210M 2.5GHz with Turbo Boost 3.1GHz (3MB L3 Cache)
* 6GB DDR3 1600MHz Memory (Expandable to 8GB)
* 750GB Hard Drive (5400 RPM)
* 14.0" Diagonal Widescreen TruBrite TFT LED-backlit Display (1366 x 768)
* 2x USB 3.0
* 1x USB 2.0
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* 1x RGB, RJ-45, Security Lock, Microphone & Headphone Jacks
* WiDi (Wireless Display)
* SRS Premium Sound 3D Built in Speakers
* Bluetooth 4.0
* Webcam
* Windows 7 Home Premium
* Weight: 4.2lbs
* Dimensions: 13.4" x 9.4" x 1.08"
* 1 Year WarrantyMore info on this laptop at Toshiba Product Page
Staples Coupons

A real nice Ivy bridge slim & lightweight laptop with excellent battery life. A very good price after rebate considering the specs. Check them out below. From reading the reviews, a few people having a slight issue with the touchpad, I would expect firmware updates to correct this. Also can use an external mouse. Other than that, seems like an excellent choice for an upgrade or school/college lappy. Ships free or store pick-up (if available).LINK
$100 Visa Card Rebate
* Valid 07-08-2012 through 09-15-2012 *Features:
* Intel Ivy Bridge i5-3210M 2.5GHz with Turbo Boost 3.1GHz (3MB L3 Cache)
* 6GB DDR3 1600MHz Memory (Expandable to 8GB)
* 750GB Hard Drive (5400 RPM)
* 14.0" Diagonal Widescreen TruBrite TFT LED-backlit Display (1366 x 768)
* 2x USB 3.0
* 1x USB 2.0
* 1x HDMI
* 1x RGB, RJ-45, Security Lock, Microphone & Headphone Jacks
* WiDi (Wireless Display)
* SRS Premium Sound 3D Built in Speakers
* Bluetooth 4.0
* Webcam
* Windows 7 Home Premium
* Weight: 4.2lbs
* Dimensions: 13.4" x 9.4" x 1.08"
* 1 Year WarrantyMore info on this laptop at Toshiba Product Page
Staples Coupons

The Ultimate Baconator Challenge Tour will make its way across the nation, stopping in 20 towns big and small and tailgating at a handful of college football games to give away more than 30,000 free Son of Baconator sandwiches. Bacon aficionados will also receive free samples of Wendys Frosty desserts, gift cards, and bacon-themed T-shirts and merchandise.
BaconatorTour dates here, next date is Sep 10 in Detroit:On Tour

Hi FWers:I am currently a college student who is looking to contribute income (~$500) I have earned this summer from selling items on Amazon into a Roth IRA. My questions are: (1) can I just deposit this amount now immediately and; (2) does a Roth IRA contribution always need to be followed up by a tax return (or any other type of form) the following year?Thanks.

Garmin is offering a $50 mail in rebate on the purchase of a new Forerunner 210, Forerunner 610, or Forerunner 910XT. You must be a student to qualify for the rebate, with a valid H.S. or college ID. I saw the rebate in an email from Running Warehouse, but no where on the rebate form does it mention it has to be purchased from Running Warehouse. Must purchase from an authorized Garmin dealer, Paypal receipts do not qualify.Valid 91/12-11/15/12.Rebate form
Garmin Coupons

Garmin is offering a $50 rebate on the purchase of a new Forerunner 210, Forerunner 610, or Forerunner 910XT. You must be a student to qualify for the rebate, with a valid H.S. or college ID. I saw the rebate in an email from Running Warehouse, but no where on the rebate form does it mention it has to be purchased from Running Warehouse. Must purchase from an authorized Garmin dealer, Paypal receipts do not qualify.Valid 91/12-11/15/12.Rebate form

American Eagle Online promo Code for Labor Day Weekend 30% off and free shipping Discount Code is 70423781 You must enter the following Discount Code 70423781 at the ae.com or aeofactorystore.com shopping bag to take an additional 30% off your purchase. Offer valid beginning August 31, 2012 at 12:00 AM EDT through September 3, 2012 at 11:59 PM PDT. Discount applied to AE and AEO Factory Store merchandise only prior to sales tax and shipping & handling. Only one discount of any type may be used at one time. This discount is not redeemable for cash, nor is it valid toward any previously purchased merchandise or the purchase of merchandise certificates, gift cards or e-gift cards. Offer excludes Aerie Undies and merchandise from these brands: Aden +Anais, Adidas, Bass, BC, Bed Stu, Birkenstock, Chronicle, Clarks, Creative Rec, DV, Eastland, GOLA, Junk Food, Keds
, Me Too, MIA, Minnetonka, New Balance, New Balance/PF Flyers, Old Soles, Palladium, Reebok, Saucony, Sperry, Steve Madden, Sweet Shoes, Tailgate, Timberland, Tretorn and college and pro merchandise. Discount and associated terms & conditions subject to change at AE's sole discretion.

My children are the beneficiaries of 529 accounts setup by a relative. I wanted to confirm my understanding of the usage of the accounts.Scenario 1: An undergraduate living off campus, full-time student. 529 will cover tuition and room and board up to the amount the college lists on their site. Subtracting his rent, that leaves nearly $500 per month for "board". He can get a $120 per week meal plan at his frat, leaving $380 a month. I told him that if he keeps a receipt of all other food expenditures, the 529 will reimburse him. This would NOT include his buying dinner for someone, but would include his portion (he'd write on the receipt his portion). He'll track everything in Quicken, give me a report monthly, and I'll send him a check, hitting the 529 account perhaps 2 or 3 times a year for reimbursement. Beer would not be included, since he's under 21... Question - anything I am missing?Scenario 2: Other son is a full-time employee of a company. He lives in an apartment with a roommate and pays 1/2 of the rent, utilities, food. He then later decided to go back to school and enrolled in an evening program where he is considered a full-time student (although 529 only requires 1/2 time student). The 529 account reimburses him for tuition and fees, less what his employer pays for. We keep full records of everything. He recently raised the question of having the 529 account pay his share of the rent/utilities/food. This seems to fall within the 529 plan rules. Question - any issues with him previously being in the apartment before becoming a student or being a full-time employee? I don't find any.Question - any reason he can't submit his portion of rent / utilities / food, with documentation kept, to the 529 for reimbursement (he'd of course keep them, I'd verify the numbers, and he'd submit the total including tuition). We know that rent / utilities / food has to be equal to or less than the school's number for room and board. His plan is to keep the funds separate for a future house downpayment, NOT to spend them on anything currently. In the past year (since he moved away from home), his savings account has remained flat, i.e. he has not spent savings (or added to them). I don't see any issues with either scenario, but wanted to see if I missed something in my research. The 529 account has enough funds to cover all of this (thanks to their relative).

Save $30 on this newly released game for $29.99 (Shipping adds $2.50). Beats others on average by $15 and up.XBOX 360 Link
PS3 LinkFor the first time in franchise history, familiar faces are on the field in NCAA Football 13. Fans can build a national powerhouse by placing one of 10 former Heisman Trophy winners on the team of their choice for the upcoming NCAA season. Under center, in the backfield or split wide, utilize a Legends skill set to capture the Heisman Trophythis time playing for your school. Video interviews with each Heisman Trophy winner will be unlocked throughout the season, detailing the accomplishments of their glory days. Bring back a school star, or see what happens when a Heisman standout plays for a rival program. Plus, experience the all-new passing game where players track and fight for the ball, and feel the electricity of gameday through ESPN.com Studio Updates. Choose your Heisman star, make your mark and lead your team to glory in NCAA Football 13.Key Features:Heisman Challenge:
Play as one of 10 former Heisman Trophy winners. See if you can utilize his legendary skills for your favorite college team in a quest to match his award-winning historical performances and win the Heisman Trophy once again.An All-new Passing Game:
A revolutionary passing system brings added authenticity to the quarterback positionfrom ball trajectory to play-action passing to the option. Enhanced receiver control puts you in position to make a play on the ball, and new read-and-react defensive coverage delivers greater realism on the gridiron.Reaction Time:
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Recruiting goes deeper than ever with the addition of dynamic recruiting pitches. For the first time ever, your recruiting grades can change each week based on your performance in Dynasty mode. In addition, Gameday Saturdays come to life with live studio updates and enhanced commentary by Rece Davis.Heisman Legends include:Marcus Allen
1981 Heisman Trophy recipient, University of Southern California
Doug Flutie
1984 Heisman Trophy recipient, Boston College
Eddie George
1995 Heisman Trophy recipient, Ohio State University
Robert Griffin III
2011 Heisman Trophy recipient, Baylor University
Desmond Howard
1991 Heisman Trophy recipient, University of Michigan
Carson Palmer
2002 Heisman Trophy recipient, University of Southern California
Barry Sanders
1988 Heisman Trophy recipient, Oklahoma State University
Charlie Ward
1993 Heisman Trophy recipient, Florida State University
Andre Ware
1989 Heisman Trophy recipient, University of Houston
Herschel Walker
1982 Heisman Trophy recipient, University of Georgia
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Fans in various football message boards are reporting success in getting packages (eg - NFL Max and Sunday Ticket) free and/or monthly discounts (up to $40/month) when they call DirectTV and complain that they won't be carrying the Pac-12 Networks.The deal fell through in the last 24 hours and w/ college football starting tonight there are some grumpy fans out there! Pretend to be one as well and perhaps you could also get discounts. Probably works best if you're already paying for a sports package.helpful links:
List of Pac-12 teams - Pretend to be a die-hard fan of one of them!
Pac-12 football schedule if you wanna pick any particular game(s) to gripe about having to miss:
More info on the deal falling throughI don't have DirectTV myself but thought I'd share. Good luck!
DIRECTV, Inc. Coupons

Greetings all, it's my first time at the site and it seems to be a great community here. I'm 22, and I have some questions about my future investments.I would like to know y'all's opinions on some options I can do with my money to maximize my return. I have no investments started.Here is some background about me:
I'm finishing up my last college semester, and because of two wonderful, loving parents, I will be graduating with no debt. I'm 22 years old, and work as a salesman at a local music shop.Besides my checking, I have a fair amount of money in my savings and about an equal amount of money in a CD earning a butt-low rate.I live at home, and have no expenses at the moment, after recently paying my car off.I have no credit cards or loans, but some bad habits on spending money as I like to go out to eat a lot and get beers at bars.As experienced financial wizards, what would you suggest I do? Invest in stocks, bonds? Is there something else I can do to maximize my return? I am thinking about doing something with my savings, or when my CD expires, doing something with that. either way, I'd be looking to invest around $2000.Any ideas?Thanks!!!

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I am looking for discounts, coupons, vouchers, or any other (legal)way t ohelp my daughter come home from school in Atlanta to Chicago for Thanksgiving and/or Christmas. Any help would be appreciated.

0 Posted By: FatWalletTopDeals
Views: 50 Replies: 0

Back to College Sale: Up to 43% off Select Items @ Target - Up to 43% off

Shipping starts at $4.95
Expires On: Sep 5, 2012 11:59pm



(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)

I'm a noob when it comes to finance and all that. I came here to look at the best credit card for me since i'm getting married in 2 months and want to put everything on that but now that i see how credit works. I'm thinking of doing an AOR and maximizing the use of categories so I just want to ask what I should do and what i'm thinking.I just refinanced my house and currently doing home improvement to my back yard.I have decent credit. I'm was 760-770 on my credit reports.my current cards are
chase freedom 4k/9k 0% financing ends 2/13
citi platinum select pay off in full every month ( first credit card out of college so ya keep it around)
costco AMEX 3/2/1 pay off in full every month.
best buy card. pay off in full every month. my CL aren't that high. 25k total. my credit utilization right now is about 20%. i can pay off my 4k right now but just taking my time with it since i'm still under the intro 0% financing for 15 months.because i was trying to refinance my house, I have 4 hard pulls within the last year according to credit karma.
2 in october 2011
1 in march 2012
1 in may 2012.
I apped for chase freedom in nov 2011 but i guess there wasn't a hard pull for some reason. I do have a checking and savings account with them already. so i was thinking of the following cards.
1)the US cash+ card 5/2/1 (using 5% categories for hotel/home improvement since i'll be booking rooms soon and the home improvement stuff i'm working on)
2)citi forward (for food and movies) (I eat out a lot.)
3)penfed 5/3/1 card (i drive a lot..I'm a commuter).
4)a general 2% card. Any preferences? fidelity vs Priceline?
5)blue cash preferred 6/3/1 card. 75AF (I'll assume I'll be buying lots of groceries now that there's more than just me.)
6)looking for a travel card. now that i'm getting married i want to travel more. what's good? AMEX spg so i can use it in hotels or miles? capital one venture so 2 miles per dollar? how about the penfed air one? 5x for airfare.
7)a discover more card. heard they got decent online reward store and it's 0 AFso I plan on going for the first 4 for sure. maybe the other ones i'm not sure about I can do an aor later on. what do u think? or just go for all of it? haha. Oh and I plan to keep all these cards indefinitely since they are useful. i know my credit will take a hit but i think it will be higher after i go through it because then my credit utilization will be lower with all the new CL. Any suggestions?thanks in advance. I plan to do this AOR this week.

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Hello!Im 22 years old and a recent college graduate in my first job in the Chicago suburbs. Im currently living at home, but am entertaining the idea of moving out and buying a condo. My parents are charging me $500/month for rent/food at the moment. My credit score is somewhere between 740 and 760. I am in a stable job making $47,000 per year. I have zero debt and about $23,000 in savings / stocks.There are a few two-bedroom condos in the area that are either being short-sold or just sold for between $40-48,000. Im considering moving out and purchasing one of the condos. I would rent out the spare bedroom for around $400-450 (below market price, but to ensure I would be able to find another recent graduate who may not be able to afford the higher $800+ rents. HOA seems to include gas, water, and heat. Only utility would be Electric + internet. This list below is assuming I take a $35,000 30yr mortgage at 4% and overpay $65/month (in essence a 15 yr mortgage with more flexibility). I would plan on putting $12,000-15,000 down on the unit. This does not include the possibility of a roommate which would then essentially add $400/month to my savings to $1,375 per month. 401K is 6% (employer matches 4.5% when I put in 6%, so yearly, thats about $4,935 into my 401k). Once emergency fund hits $2,000, I will stop contributing and add $100 to savings.Thoughts?Mortgage240
HOA300
Utilities 50
Food300
Gasoline120
Cell45
Car Insurance75
Health Insurance60
Emergency Fund100
Internet50
Savings975
401k235
Spend300
Vacation Savings100

PAGE & PRICES UPDATED AUGUST 23, 2012 
FREE CEDAR POINT TICKET - BY DONATING BLOOD
===========================================
Aladdin Shrine Center - August 25, 2012 - Columbus, OHOhio State University Schottenstein Center - August 29, 2012 - Columbus, OH  FAST LANE - BUY FAST LINE HERE - Depending on how many visitors in your group by the Fast Lane,the more people in a group, the less each pass costs (See prices below). Visitors would then receive a wrist band which would give them the ability to cut to the front of the line on the park's most popular attractions. Limited Passes available per day. Fast Lane offers only two physical queues (lines); one for regular patrons who will wait forever to get on their favorite ride and a separate one for the Fast Lane purchasers. Available for these rides only: Blue Streak, Cadillac Cars, Corkscrew, Dodgem, Gemini, Giant Wheel, Magnum XL-200, Maverick, maXair, Mean Streak, Millennium Force, Power Tower, Raptor, Shoot the Rapids, Top Thrill Dragster, WindSeeker.
FAST LANE PRICES:
=================
1.....PERSON.....$65.00 Each + CP Admission
2.....PERSONS....$60.00 Each + CP Admission
3.....PERSONS....$55.00 Each + CP Admission
4-10..PERSONS....$50.00 Each + CP Admission ** These tickets MUST be purchased at the same time, Same day.
  
FREE CHILD ADMISSION - SUNDAYS ONLY - ENDS SEPTEMBER 02, 2012
=============================================================
BUY 1 ADULT TICKET AT REGULAR PRICE, 1 CHILD TICKET FREE AT GATE
1 Adult Ticket......Gate: $51.99......You Save....$00.00
1 Child Ticket......Gate: $00.00......You Save....$29.99
No Coupon necessary, 2 and Under Always Free.  WEEKDAY SAVER - SAVE $15.00**
=============================
Online: $36.99 / Gate: $51.99 / You Save $15.00
Ticket MONDAY - FRIDAYS ONLY thru August 31, 2012
** Soak City admission is NOT included. On website scroll down bottom of page and click "Other Ticket Options Available" RIDE AND ALL-YOU-CAN-DRINK - EXPIRES SEPT. 03, 2012
===================================================
Ride & Refresh Promotion includes:
1 - Cedar Point Park Admission**
1 - Unlimited Soft Drinks All Day Wristband**Ages 03-61.........$46.99
Ages 62-99.........$25.00** On website scroll down bottom of page and click "Other Ticket Options Available" Exchange voucher at C.P. Cashier Booth to receive items. Voucher MUST be used by Sept. 03, 2012. Voucher only available online.  
REGULAR CEDAR POINT "ONLINE PRICES" - 2012 SEASON
================================================
ADULTS...................$44.99* ($7.00 Savings)
ADULTS/STARLIGHT.........$32.99* (EVENING 5PM - 10PM)
MILITARY w/ID............$36.99*
SENIORS..................$29.99*
KIDS 3 & UP..............$29.99*
KIDS 2 & UNDER...........FREE
DINOSAUR ALIVE (NEW).....$05.00 + GATE ADMISSION
* There is NO Discounts for Non-Riders. Scroll below for DISCOUNT TICKETS 
DAILY PARKING FEE - PAY-AT-PARK**
===============================
CARS.....................$12.00
MOTORCYCLES..............$12.00
HANDICAPPED PARKING......$12.00(2,3)
TRUCKS...................$17.00
CAMPERS..................$17.00
TRAILERS.................$17.00
TRUCKS...................$17.00
CARS - VALET PARKING.....$20.00
PLATINUM PASS HOLDERS....FREE
CORPORATE - BUSES........FREE (1)**Daily parking fees includes a $.50 toll charge. (1) BUS DRIVER w/ 15 passengers showing Valid CDL License gets FREE Parking AND FREE Admission, Not valid on Vans.(2) HANDICAPPED PARKING - Guests requiring a handicap parking space should turn on their hazard lights and ask a traffic director for the exact location. Permits are required to use these spaces. Don't forget to turn off your lights! In addition, there is an area near the main entrance designated as a drop-off or pick-up area for our guests with mobility issues.(3) HANDICAPPED PARKING - If you park or stop your vehicle in a disability parking spot and don't have a placard, you have committed a misdemeanor and are subject to a fine of between $250 and $500. Even if your vehicle does have a placard, the disabled person must be either be the driver or a passenger, or you will face the same offense and fine. 
CEDAR POINT DISCOUNT TICKETS
============================

CEDAR POINT RESORTS DISCOUNT TICKETS
====================================
1ST BEST VALUE - PER PERSON
ADULTS..........$32.00 PER PERSON - SAVE $19.00 PER PERSON
KIDS/SENIORS....$21.00 PER PERSON - SAVE $05.00 PER PERSON*STAY AT ANY CEDAR POINT RESORT REQUIRED BELOW, C.P. Admission for Children 2 & under are FREE. Includes 1 Hour Early entry into park.* Hotel Breakers (2)
* Sandcastle Suites (2)
* Lighthouse Point (3)
* Camper Village (3)
* Breakers Express (3)
* Castaway Bay (3)(2) Reviews courtesy of yelp.com
(3) Reviews courtesy of tripadvisor.com
2012 RESORT DISCOUNT LINKY 

2 DAYS - CEDAR POINT & SOAK CITY
================================
$77.99 per person - (SAVE $27.00) - For guests 48" in height or taller in shoes. Valid for admission to Cedar Point AND Soak City on any two separate public operating days through October 30, 2012. Days do not have to be consecutive. Ticket must be used by the SAME person on each day. ALL SALES FINAL. NO REFUNDS. ONLINE ONLY, OFFER NOT VALID AT PARK. On website scroll down bottom of page and click "Other Ticket Options Available" for offer. Discount Linky 
2012 PLATINUM SEASON PASS - ALL PARKS & FREE PARKING
====================================================
Your Cedar Fair Platinum Pass is valid for unlimited season-long admission* ■ Cedar Point & Soak City in Sandusky, OH
■ Kings Island & Boomerang Bay in Cincinnati, OH
■ Canada's Wonderland in Vaughan, ON
■ Dorney Park & Wildwater Kingdom in Allentown, PA
■ Worlds of Fun & Oceans of Fun in Kansas City, MO
■ Kings Dominion in Doswell, VA
■ Carowinds in Charlotte, NC
■ Knott's Berry Farm in Buena Park, CA
■ California's Great America in Santa Clara, CA
■ Geauga Lake's Wildwater Kingdom in Aurora, OH
■ Valleyfair in Shakopee, MN
■ Michigan's Adventure in Muskegon, MI
■ Soak City Water Parks in San Diego, Buena Park and Palm Springs, CA
■ Gilroy Gardens in Gilroy, CA* Additional MEMBER ONLY BONUSES include: Free Parking at all Parks, 1 Hour Ride Entry Before Park Opens to Public, 1 Hour Ride Entry after park closes (Select Dates), Family/Friend Ticket Discounts (Select Dates), Member Discounts on Games, Meals, Drinks, Hotel. 50% Off RipCord, Skyscraper, Challenge Golf, Challenge Racing, Northcoast Parasail. Children 2 & under are FREE. 2012 Platinum Passes are valid January 1, 2012 through December 31, 2012. Platinum Passes are not valid at any seasonal events at which an additional admission fee is charged. PRICES PER PERSON
=================
$179.00....2012 Cedar Fair Platinum Pass ADULTS - Height Over 4 Feet
$096.00....2012 Cedar Fair Platinum Pass SENIORS - Age 62+
$096.00....2012 Cedar Fair Platinum Pass JUNIORS - Height Under 4 Feet

2012 Season Pass Questions - Click Here  2012 CEDAR POINT ONLY SEASON PASS
=================================
The Cedar Point Season Pass is valid for unlimited season-long admission to CEDAR POINT ONLY. It does not include parking, perks or admission to Soak City or other Cedar Fair parks across the U.S. and Canada. 2012 Cedar Point Season Passes are valid any public operating day for the duration of the 2012 season.RATES PER PERSON
================
$109.00..........2012 Cedar Point Season Pass ADULTS - Height Over 4 Feet
$069.00..........2012 Cedar Point Season Pass SENIORS - Age 62+
$069.00..........2012 Cedar Point Season Pass JUNIORS - Height Under 4 Feet2012 Season Pass Questions - Click Here 
CEDAR POINT GROUP TICKETS INCENTIVES
====================================
MARCHING BANDS....Click Here
CHOIRS............Click Here GROUP HOTEL ACCOMMODATIONS - Stay close to the action with the Cedar Point Resorts! Discounted packages are available. For more information, call 419.609.5669 or click "I'm interested in overnight accommodations" when you place your online ticket order and they'll contact you! 
GROUP CATERED MEALS - ALL YOU CAN EAT
=====================================
SCHOOL GROUPS.........$10.25 + 6.5% TAX......Minimum 025 people
SMALL GROUPS..........$11.50 + 6.5% TAX......Minimum 025 people
CORPORATE..........Varies.................Minimum 150 PeopleCatered events are served for 1 hour in the Coral Dining Room 3 Weeks Advance reservations & Payment is required.
GROUP MEAL VOUCHERS - Give your group the flexibility of eating what they want, when they want. Pay one low price and your group can choose one of our four delicious meals available at select locations. Minimum purchase of 15 meal vouchers per day. Meal vouchers are $9.99+TAX per person. Download our meal voucher information here. GROUP DRINK WRISTBANDS - Quench your thirst with an all-you-can-drink wristband. Show your wristband at select locations and receive FREE Pepsi fountain beverages all day long (includes all carbonated and non-carbonated beverages dispensed from the fountain). Drink wristbands are available to GROUPS ONLY and must be purchased for the entire group. Quantity must be equal to or greater than the amount of tickets purchased. Not sold individually. All-You-Can-Drink Wristbands are $7.00 per person, plus tax. (Regular price for 1 Large Drink is $4.00+Tax.) *plus 6.5% Ohio State Sales Tax. If your group is entitled to tax exemption for food, a copy of your organizations sales tax exemption certificate must be provided when making your reservation for your trip. STUDENT GROUP DISCOUNTS
=======================STUDENT GROUP TICKETS - JULY 01 - OCTOBER 28, 2012
Minimum purchase of 15 Student/Youth tickets required. Advance reservations required 3 weeks in advance.
TYPE OF TICKET..................YOUR COST.............YOUR SAVINGS...
=====================================================================
CEDAR POINT ADMISSION ONLY - DINOSAURS ALIVE $5.00 EXTRAK-6TH GRADE STUDENTS............$35.00 Per Person.....$16.99 Savings
7TH-12TH GRADE STUDENTS.........$35.00 Per Person.....$16.99 Savings
CHAMPERONE......................$35.00 Per Person.....$16.99 Savings
JUNIOR..........................$20.00 Per Person.....$06.99 Savings
SENIOR..........................$20.00 Per Person.....$06.99 Savings
BONUS TICKET....................FREE..................$51.99 Savings**** BUY 15 Tickets, Get 1 FREE Cedar Point Ticket $51.99 Value, Bonus doesn't include Dinosaurs Alive.
 STUDENT GROUPS OVERNIGHT PACKAGE
================================
Student groups can save when they package their Cedar Point Admission, meals and overnight stays all into one. We offer perks no other hotel can offer! * Price is based on four people per room and do not include taxes. Prices vary depending on day of week, date of visit and availability.Packages starting at only $74.99* per person include:
1 - Overnight Stay
1 - One Day Cedar Point Ticket
1 - Admission to Dinosaurs Alive!
1 - Early Entry to Cedar Point
1 - Delicious Pizza All-You-Can-Eat Buffet
1 - Hot Breakfast All-You-Can-Eat Buffet
 
CORPORATE GROUP TICKET DEALS - VALID 1 DATE ONLY (*)
================================================
Size of Group......Price per person*, per ticket.......Amount saved off gate price
----------------------------------------------------------------------------------
15 - 149...........$35.00..............................$16.99
150 - 999..........$32.00..............................$19.99
1,000 - 4,999......$29.00..............................$22.99
5,000 - 9,999......$26.00..............................$25.99 *For guests 48" & taller in shoes. Members of your group who are under 48" tall or age 62 & older are eligible for a Junior/Senior ticket for only $18.00 each. Children 2 & under are always FREE at Cedar Point & Soak City. You must pick a date to visit. This ticket option VALID ON DATE PRINTED ON TICKET ONLY. EXAMPLE: If you want to go JULY 30 then that ticket is ONLY Valid that day, if you miss that date your ticket is automatically void with No Enchanges, No Refunds, No Rainchecks. Check other deals listed in this posting as they're may be cheaper ticket options available then this one. Group Meals available check links on this Fatwallet posting below.
CORPORATE DISCOUNT LINKY - SPECIFIC DATE 

CORPORATE GROUP CEDAR POINT TICKET DEALS - GOOD ANY 1 DAY (*)
=========================================================
Under this program, Cedar Point offers you discounted tickets that can be used any ONE (1) date of the operating season. The members of your group do not have to visit the park on the same day. Minimum purchase 100 Tickets. Check other deals at top as they're may be cheaper ticket options available then this one. Group Meals available check links on this Fatwallet posting.
Regular Ticket...........$39.00......SAVE $12.99
Soak City Ticket.........$26.99......SAVE $06.00
Ride & Slide Ticket......$77.99......SAVE $05.00
Junior/Senior Ticket*....$20.00......SAVE $06.99
CORPORATE GROUP TICKETS - GOOD ANY DAY 2012 SEASON - CLICK HERE  OTHER DISCOUNT OPTIONS
======================BLOOD CENTERS.................Donate Blood and receive FREE Cedar Point Ticket(s) as well as other Freebies. Select Blood Centers Click here
AAA (American Automobile Assoc). Member Ticket Discounts in their Travel Department, Also available online. Not available thru Cedar Point box office.
MILITARY DISCOUNT..............$36.99 Per Person (Free Admission on special select dates and discounts for family members watch here for updates.) Valid ID required. Discount applies to active, retired or honorably discharged military personnel and immediate family members. Discount must be purchased in person. Types of Military ID's include: Active Duty ID, Retired Personnel ID, VA Medical System Picture ID OR copy of DD-214 discharge papers (please do not bring the original) along with a photo ID (drivers license, etc) for confirmation.
SENIOR DISCOUNT................$26.99 Valid ID required, Age 62+meijer STORES..................Coupons/Purchase Tickets at Customer Service Desk.
KROGER STORES..................Coupons/Purchase Tickets at Customer Service Desk.SUBWAY RESTAURANTS.............Coupons/Purchase Tickets at Cash Register.eBay AUCTIONS..................Several people will sell their unused tickets for a savings to you.
PARKS & RECREATION CENTERS....Several cities offer a discount whether or not your a resident of their cityPEPSI CANS....................Back of 12 Oz cans, Save $7.00 Off Regular Price.NEAR-BY HOTELS................Hotels near Cedar Point want your business too, They will offer discount and even Free tickets based on the number of nights of stay.SANDUSKY TOURISM BUREAU.......Discount book for Cedar Point.BURGER KING RESTRAUNTS........Located in NorthEast Ohio offer Cedar Point Ticket Coupons for $44.99 at counter inside restaurant.CREDIT UNIONS.................Offer discounted tickets to its members.CEDAR POINT GROUP SALES......Several options here, For every 15 people who are paid-in-advance, You can receive 1 (one) Free Cedar Point Ticket a savings of $51.99 Each Ticket. for more info go to: LINKYCEDAR POINT RESORT DISCOUNTS..http://resorts.cedarpoint.com/public/packages.cfmCEDAR POINT GETAWAY GUIDE.....C.P. Coupons for all ages, Tickets, Food, Games, Hotel, everything. register online 3 weeks to arrive or contact: 1-419-627-2350. Getaway Guide will come by U.S. Snail Mail.
http://www.cedarpoint.com/public/visit/brochures.cfmREST AREA TRAVEL BUREAU.......Open during the day on select weekends offering discount tickets (OH,MI,KY)GOOGLE.COM....................Type in "Cedar Point Amusement Discount Tickets" for great discounts.CONTESTS / GIVEAWAYS..........Local Radio Stations give away Free tickets if you are picked, look under contests or giveaways thru Radio Station website/Google/Yahoo Search.COUPONS BY MAIL/ONLINE........Cedar point advertises heavily thru Coupon companies both by mail and online (MI,OH,IN)COLLEGE DISCOUNTS.............Participating colleges offer discounts to their students and family members.  CEDAR POINT JOBS LINKS
======================
SUMMER JOBS (MAY-AUGUST)
HALLOWEEKEND JOBS (AUGUST-OCTOBER) - Job Code 613: Screamster
YEAR-ROUND JOBS (JANUARY-DECEMBER)LIVE AUDITIONS JOBS (MAY-OCT)
NON-PROFIT ORGANIZATIONS FUNDRAISER JOBS MAY-OCTOBER
JOBS - FREQUENT QUESTIONS OTHER CEDAR POINT'S USEFUL LINKS
================================
Getting stuck on the Millenium Force - "Their Final Destination"CEDAR POINT FREQUENT QUESTIONSTRIP TIPSCEDAR POINT LIVE WEB CAM - YEAR ROUNDLEARN ABOUT THE HISTORY OF CEDAR POINT INCLUDING THRILL RIDES - INFO COURTESY OF: WikipediaCEDAR POINT RETIRED RIDES & ATTRACTIONS - INFO COURTESY OF: WikipediaGUESTS WITH SPECIAL NEEDS / DISABILTIES - INFORMATIONGUEST AMENTIES - Family Care Center, KidTrack, Parent Swap, Rentals, Lockers, Pet Chek
CEDAR POINT AMUSEMENT PARK
1 Cedar Point Drive
Sandusky, OH 44870
PHONE.....1-419-627-2350
TTY.......1-800-750-0750
Google Maps

I'd like to have some guidance from the FW community regarding my current situation and how I should approach the short-term. Some background:I've been an active reader of FW since my teen years, and as I've transitioned from a high school student scrubbing through the Free Stuff section (because I didn't have any money of my own back then), to looking for hot deals as a college student, and now taking in the threads in Finance--I feel like I'm really growing up with the FWF. But sometimes, reading the Finance threads are a bit depressing, especially the Compensation threads when I see so many people around my age making much more money (I also understand there is a bias effect going on as FWF members tend to be more finance savvy). So here's my situation:Savings:Liquid:
- $4,500 in BOA Checking (for day to day spend), stashing about $300/mo from paycheck
- $6,000 in Ally Checking, stashing about $200/mo from paycheck
-$30,000 in Discover Online (earning about 1%), stashing about $1,500/mo in this account from paycheck
- Currently have about $37K stashed in a 401K (no employer matching)
- About $14K in investmentsAnnual Income: About $55KMy question is this: Is there a place where I can stash my $30K and earn about 5-7% interest (preferably a relatively safe investment instrument)? While my expenses are low (still living at home), I feel like my savings is not growing fast enough.Thanks!

My wife and I are thinking about moving into a bigger house before we have kids, but all the houses we have seen need a lot of remodeling. The houses that we have looked at are in neighborhoods that we liked( because the proximity of schools, libraries, parks and so on). We can see that we would like to have more room to the house so we would like to add on to the house before we move in, but we have only talked to a couple of banks and it seems to be the norm now that constuction loans are hard to get and they have high interest rates. My wife and I both make a gross of 165k a year but the banks want a lot down( 25%- 35%) on the intial purchase of the house to qualify us for a construction loan.
So my question is " is there anyone out there who has recently done a construction loan who could steer me in the right direction on which bank was good or bad to use?"
Also if any info on what to watch out for in the loan agreement. I do not want this to become political and I would like not to be blasted for making to much money and not having enough savings( which every dime extra we get is going to college for my kid(s)) and I will NOT touch that right now.

But I will appreciate all the comments I get, I just need some help with getting started.

My daughter receives SSI since my wife passed away and it is direct deposited into an account at our credit union, I am the custodian on the account along with my mother. I have been saving the funds for her to pay for future expenses of college and maybe a car. A few years back I was out of work for 2 1/2 years, auto industry in Detroit crash, back to work now but I have had many financial problems. Problem arose... A creditor has asked to seize funds in my daughters account, my name is on it as custodian, SSI comes in my name for the benefit of my daughter. My financial problems are quite large and would require a thread of its own, and I dont need to hear the usual "pay your debts deadbeat"..... Any constructive comments would be greatly appreciated.

use the promo code NCAA230 at checkout to save an additional $20 making them only 2 for $30 or just $15 each! http://www.finishline.com/college-sports-apparel

0 Posted By: FatWalletTopDeals
Views: 384 Replies: 0

3 Subject Notebook, College Ruled, 120 Sheet, 5pc @ Walmart - $1.44

Free Site-to-Store


(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Walmart Coupons

My wife and I are expecting our first in mid-December. I'm starting to research ways to limit the financial impact of having the bundle of joy - here is what I've got so far and I hope you're able to add some more! This old thread helped a bunch, but it's over two years old. I figure now's a good time for a refresher!First, some background on us. We both work, I earn slightly above the Social Security maximum, my wife is a medical fellow and earns about half that. I have the opportunity to work overtime and make extra money which comes into play if I approach the Highly Compensated Employee cap. We max our 401(k)/403(b)s, HSA through her work, and Roth IRAs each year. Dependent Care
After three months, we'll be sending our kiddo to daycare near my wife's work which is about $12,000/year. We plan to max out the Dependent Care FSA for $5000 of tax free care. We'll fund the FSA by deductions from my wife's paycheck to maximize the tax reduction (since I don't have to pay FICA taxes on my marginal dollars). I need to make sure I'm not a Highly Compensated Employee ($115,000 in 2012), otherwise that FSA max lowers to $2500 (Is this true? Does it matter if I'm an HCE if we fund from my wife's paycheck?).I understand we can also get $600 back as a tax credit ($12,000 expense - $5000 FSA > $3000 cap, $3000 * 20% since we make more than $43,000 = $600). Education Savings
Since I ran out of room in tax advantaged accounts, I enjoy saving, and Ohio has offered a couple of bonuses to contribute, I've got a decent chunk of change in Ohio's CollegeAdvantage 529 plans. I'm the owner of both accounts, one lists me as the beneficiary, the other lists my wife since we didn't have a child at the time I opened them. Is this a decent plan? Also, we're planning to send the kiddo to public schools (we turned out OK!).Medical Expenses
We're currently using a HSA with an HDHP and paying for everything out of pocket. The per-person max is $2500 and the per-family max is $5000. We're about $700 through my wife's maximum now and then insurance takes over paying everything for her until July. There are a couple of things insurance will pay for (e.g., breast pump rental) that we plan to take advantage of.Kid Stuff
We live in a 1000 sq ft town house, so we don't have a lot of room for kid stuff. We anticipate that most of the stuff will be received from the baby registries (thanks friends/family!). We've been reading through the Baby Bargains book and focusing on the necessities to avoid goofy stuff.My wife plans to breast feed and pump when she goes back to work, so that should save us a decent amount of money for a while. We're thinking disposable diapers for the first few months, then switching to cloth diapers (I'm trying to convince my wife, anyway) which hopefully will save the expense of disposables. What Else?
So what other Fatwallet tricks can be played? Ways to save on expenses? Other tax benefits? Estate planning?

HERE'S THE SKINNY....
Staples website is not accurate on some laptop prices.... list view will say final price when it has NOT calculated 1 or 2 aditional rebates.
***YOU MUST OPEN EACH LAPTOP'S INDIVUAL PAGE AND DO THE MATH...PAY CLOSE ATTENTION TO MULTIPLE REBATES(1-3)**
-------------------------------------------
FYI... HP Program Summary of Rebate Savings: $50 or $30 **Can be purchased anywhere**
Qualifying products: Any HP or Compaq Presario notebook with model number ending in "US".
Purchase between: June 24, 2012 and October 20, 2012 (must be postmarked within 45 days of purchase date.) ...Staples Back To School Offer (BTS) =$100 Visa Card (or check or Staples GC) on select laptops, show student ID, or mail copy, etc. Valid 7/8/12-9/15/12 - High School or college student.
-------------------------------------------
Staples site is not calculating the $100 in their LIST view... Look at laptop's individual page.So here we go... go to PCs,..there is ad link to the 4 specific laptops. The student Visa rebate goes to 9/15/12.
Each week the Staples instant savings $ changes. Then the 2 HPs have BOTH a $50 and $100 rebate.
The other 2 have just the $100 rebate for now(unless their brand offers rebate before 9/15/12).
Next Sunday"s instant savings will probably change again since student rebate runs till 9/15.
All will have tie Windows 8 rebate.
====================
***This was my deal... on Saturday 8/11.HP Pavilion dv6-7010us Entertainment Notebook PC
699.99 - 49.00(sale)-101.00(instant savings)= 549.99
Then...549.99 -50.00(HP rebate)- 100.00(Student rebate) = 399.99 TOTAL..!!
NO Tax (GA TAX FREE weekend!!(saved 38.50)Specs: HP Pavilion dv6-7010us Entertainment Notebook PC
Product Number- B5S11UA
**Microprocessor - 3.0GHz/2.1GHz AMD Quad-Core A8-4500M Accelerated Processor **(PassMark=4185)
Microprocessor Cache - 4MB L2 Cache
Memory -6GB DDR3 SDRAM (2 DIMM)
**Video Graphics - AMD Radeon HD 7640G Discrete-Class graphics
Video Memory - Up to 3060MB total graphics memory
**Display - 15.6-inch diagonal HD BrightView LED-backlit display (1366x768)
Hard Drive -750GB 5400RPM hard drive with HP ProtectSmart Hard Drive Protection
Multimedia Drive - SuperMulti DVD Burner
Network Card - 10/100/1000 Gigabit Ethernet LAN (RJ-45 connector)
Wireless Connectivity - 802.11b/g/n WLAN
**Sound - Beats Audio with 4 speakers and the HP TripleBass Reflex Subwoofer
Keyboard - Full-size island-style keyboard with numeric keypad
Pointing Device - Touchpad with on/off button and precision multi-touch gesture support.
PC Card Slots - Multi-format digital media card reader for Secure Digital/Multimedia cards
**External Ports - 3 SuperSpeed USB 3.0 / 1 Universal Serial Bus (USB) 2.0 /1 RJ-45 (LAN)
1 HDMI / 1 VGA (15-pin) / 1 Headphone-out /1 Microphone-in
ID Mech Description - HP TrueVision HD Webcam with integrated dual array digital microphone
**HP SimplePass with integrated fingerprint reader
6-cell 62WHr lithium-ion battery
Operating System: Genuine Windows 7 Home Premium (64-bit)
***Rebate upgrade to Windows 8
=============================================The same computer's in this weeks ad @ $50 more...449.99 +tax (instant saving is less). Still good deal.
The Toshiba is $50 more this week. The next ad may change back to more.Also a HP Pavilion g7-2022us - 17.3" has $100 off Coupon.... 749.99-100(IS)- 50(rebate)-100(Coupon)=$499.99.
in store code = 58201
0nline/phone code = 86754
Staples Coupons - 8/14 to 8/18
Thanks to deal2cash for posting on 8/14/12.
============================================
Sorry this long... some deals you have to dig for.. Hope this helps somebody!
These seem like really nice,fast step-up computers, mine arrives tomorrow ...... Keep Digging!!
Staples Coupons

No FAR items, none Extreme Deal
1 Staples 1 subject notebook wide rule 70 sheets - Limit 6 per customer. Limit 2 per customer
25 Staples school glue - Limit 4 per customer
50 0.14L Really Usefull Box assortede colors
50 Staples 3X5 white ruled index cards
50 after easy rebate Staples photo supreme 8.5X11 paper double sided matte $14.99 - $14.49ER = 50 - Limit 4
50 Bic Velocity retractable ballpoint pens bold black
50 Staples mini composition book 4.5X3.25" 80 sheets
$2 AER HammerMill 8.5X11 Copy Plus copy paper 500 sheets $6.99-$4.99ER = $2 - Limit 2 $1 Bic erasers with grips
$1 Scentos scented markers, assorted colors
$1 Staples writing pad 8.5X11 assorted designs and rulings - Limit 2 per customer
$1 Staples Hype grip higlighters - yellow and assorted - Limit 2 per customer
$1 Staples printed poly zip envelope check size
$1 Staples wireless notebook 8.5X11 college ruled 80 sheets assorted colors 1 subject
$1.50 Staples assorted patterns composition book
$2 Avery glue sticks 3/pack
$2 Stretch pencil box
$2 Staedtler Mars plastic erasers
$2 Rose Art washable markers fine or broad
$2 Staedtler metal sharpener
$2 1.6L Really Useful storage box
$2 Staples memo pads - twirl kpad or acrylic cube
$2 Staples 3.75X5.5" faux-leather memo book 80 sheets
$2 Wet Ones citrus pack 40ct. Disenfecting wipes
$2 Bic White Out correction fluid 2/pack
$2 Scotch permanent foam mounting tape - foam tape or squares
$2 Staples Accel 1 subject notebook wide or college ruled 100 sheets assorted SKU - Also available in 3 & 5
$2.99 Spine Guard 1 subject notebook, college ruled 100 sheets assorted colors - Also available in 3 & 5
$3 Pilot FriXion Ball erasable gel pens, fine 3/pk - black or assorted
$3 Pendaflex Write and Erase 3 tab file folders assorted colors 12/pk
$3 Expo dry-erase markers fine - black or assorted 4/pk
$3 Kleenex facial tissue 2/pk
$3 Staedtler Xscellence mnath set 10 pieces
$4 48/pk Staples #2 pencils
$4 Saples 9X12" Construction Paper assorted colors 200 sheets
$4 Bic Mechanical Pencils 24/pk .5mm or .7mm
$5 Staples stand up stapler
$5 Artskills letters pack
$5 Westcott 8" scissors 3/pk
$5 Staples letter/legal siize SureFIT blue storage boxe3s 4/pk
$5 Pentel Wow! Retractable ballpoint pens, medium 18/pk black or assorted
$5 Bounty paper towels 6/pk
$5 Omnitech battery powered pencil sharpner assorted colors
$6 Charmin Basic bath tissue 16/pk
$6 Post-it 3X3" Super Sticky notes 5/pk
$7 Post-it pop-up note novelty dispensers (heart, purse, spin)
$7 Fashion tape dispensers - asorted (cupcake, apple and shoe pictured)
25% - 50% off all backpacks, 50% off all Timberland backpacksNew Scotch Expressions Tape - Exlusively at Staples 2/$3$5.99 8GB PNY Attache USB Flash Drive
$9.99 16GB PNY Attache USB Flast Drive2 days only - Sunday and Monday
$69.99 - Staples Siddons chair, Rest of the week $89.99$79.99 SodaStream Fountain Jet home soda makerGet a Staples $20 Gift Card when you buy any regularly priced Keruig brewer $99.99 Keruig B31Get a $20 Visa prepaid card after easy rebate when you purchase 2 of the same HP toners.
Limit 2, Multipacks count as 1 itemBuy 2 Get 1 Free instantly on any 5 ream or 10 ream case. Assorted SKUs. No limit.

$199 Nexus7 from Google - Get $25 credit for Google Play, plus other amazing FREE content
$379.99 Toshiba laptop with Intel Pentium B970 Processor with Windows 7 Home Premium - While Supplies Last
$479.99 AER HP laptop with Intel Core i3-2350M Processor - $649.99 - $120 Instant Savings - $50ER = $479.99$19.99 AER Norton Antivirus 2012 1 PC $39.99 - $20ER = $19.99 Limit 1
$29.99 AER Norton Antivirus 2012 3 PC $59.99 - $30ER = $29.99 Limit 1
$39.99 Norton 360 V6.0 3PCs $74.99-$35 Rewards Instant Savings =$39.99 Limit 1
$54.99 Norton Premier V6.0 9PCs $89.99- $35 Rewards Instant Savings = $54.99 Limit 1Avery Rebate Save $5 on all Avery laser full-sheet lables AER. Limit 1 per SKU $9.49 Casio FX260slrs, FX300MS, FX115ES scientific calculators
$9.99 Texas Instruments TI-30Xa scientific calculator
12.99 AER Texas Instruments TI-30SXIIS scientific calculator $14.99 - $2ER = $12.99 blue, pink or orange
$19.99 TI-34 MultiView scientific calculator
$99.99 AER Texas Instruments TI-84 plus graphing calculator $109.99 - $10ER = $99.99
$89.99 AER TI-83 Plus graphing calculator $99.99- $10ER = $89.99
$109.99 AER Texas Instruments TI-84 plus SE graphing calculator $124.99-$15ER =$109.99 pink/black/blue/silver
$129.99 AER Texas Instruments TI-Nspire CX color graphing calculator $149.99-$20ER = $129.99$59.99 Panasonic DECT 6.0 expandable phone with digital answering system - 3/pk $79.99-$20ER
$79.99 Vtech DECT 6.0 expandable cordless phone with digital answering system - 2/pk $89.99-$10ER
$99.99 Panasonic DECT 6.0 expandable cordless phone with digital answering machine 4/pk $129.99-$30ER$10 coupon off any advertised Canon inkjet printer
$59.99 Canon PIXMA MX410 wireless all in one
$79.99 Canon PIXMA MX432 wireless all in one
$99.99 Canon iX6520 inkjet printer
$129.99 Canon PIXMA MX892 wireless all in one
$129.99 Epson WorkForce WF-7010 wide format inkjet printer
$149.99 HP Officejet 7000 wide-format printer
$199.99 Canon PIXMA iP100 mobile printer
$249.99 Epson Artisan 1430 wide format inkjet printer$99.99 Canon imageCLASS D420 laser copier
$119.99 Canon ImageCLASS MF4450 laser all in one
$149.99 Lexmark E260DN laser printer - Plus $50 off when you trade in
$279.99 X264dnw wireless laser all in one
$249.99 Lexmark C540dw color wireless laser printer - Plus $50 off when you trade in
$274.99 A/MIR Canon ImageCLASS MF5950dw wireless all in one $399.99-$125 mail in rebate = $274.99
$479.99 imageCLASS MF8380Cdw wireless color all in one
$899.99 Lexmark X464DE laser all in one - Plus $50 off when you trade inThanks TSUalum93 at SD.
Staples Coupons

Best Buy has the new 13.3" Macbook Air (128 GB) on sale for $1,099 (this is a $100 discount)They are also doing a student promotion (works with an edu address) where there is a $100 additional (on top of sale price) discount on Macbook Air/Pro and iMacThis means a $200 discount, better than Apple's $50 discount + $100 App Store credit. Details of Best Buy discount are here:http://www.bestbuy.com/site/Global/College-Student-Deals/pcmcat2...This is where you sign-up to receive the discount in your edu e-mailhttp://www.bestbuy.com/site/Global/College-Student-Deals-Email-C...The item is here:http://www.bestbuy.com/site/Apple%26%23174%3B+-+MacBook+Air%26%2...
Best Buy Coupons

Page 1 & RebatesNO in Ad $/$ Coupon40% coupon off any one Martha Stewart Home Office with Avery product OR get $4 off your $10 order of Martha Stewart Home Office wit Avery products on Staples.com25% coupon off all shredders - Excludes clearance items coupon - valid in store onlyExtreme Deal
1 Staples 1 subject notebook wide rule 70 sheets - Limit 6 per customer. While Supplies Last. Must spend $5. Minimum spend does not include tax or cost of any extreme deal itemLimit 2 per customer
25 Staples school glue - Limit 4 per customer
50 0.14L Really Usefull Box assortede colors
50 Staples 3X5 white ruled index cards
50 after easy rebate Staples photo supreme 8.5X11 paper double sided matte $14.99 - $14..49 easy rebate = 50 - Limit 4 per household
50 Bic Velocity retractable ballpoint pens bold black
50 Staples mini composition book 4.5X3.25" 80 sheets
$1 Bick erasers with grips
$2 Avery glue sticks 3/pack50% off all Timberland backpacksBuy 2 Get 1 Free instantly on any 5 ream or 10 ream case. Assorted SKUs. No limit. In store only. Valid on any SKU of equal or lesser value. Exludes clearence items. Plus tax where applicable.$2 after easy rebate HammerMill 8.5X11 Copy Plus copy paper 500 sheets $6.99-$4.99 easy rebate = $2 - Limit 2 per householdNexus7 from Google $199 - Get $25 credit for Google Play, plus other amazing FREE content$379.99 Toshiba laptop with Intel Pentium B970 Processor with Windows 7 Home Premium - While Supplies Last$479.99 after easy rebate HP laptop with Intel Core i3-2350M Processor - $649.99 - $120 Instant Savings - $50 easy rebate = $479.99$5.99 8GB PNY Attache USB Flash Drive
$9.99 16GB PNY Attache USB Flast DriveSoftware Rebates$19.99 after easy rebate - Norton Antivirus 2012 1 PC
$39.99 - $20 easy rebate = $19.99
Limit 1 rebate per household$29.99 after easy rebate - Norton Antivirus 2012 3 PC
$59.99 - $30 easy rebate = $29.99
Limit 1 rebate per household$39.99 for Staples Reward members - Norton 360 V6.0 1-3 PCs
Save $50
$89.99 - $15 Instant Savings - $35 Rewards Instant Savings = $39.99$54.99.99 Premier V6.0 9PCs
$99.99 - $10 Instant Savings - $35 Rewards Instant Savings = $54.99
Limit 1 rebate per householdAvery RebateSave $5 on all Avery laser full-sheet lables after easy rebate. Limit 1 rebate per SKU per household. Exludes clearence items.Calculators (all have easy rebates)$9.49
Casio FX260slrs scientific calculator
FX300MS scientific calculator
FX115ES scientific calculator$9.99
Texas Instruments TI-30Xa scientific calculator12.99 after easy rebate
Texas Instruments TI-30SXIIS scientific calculator
$14.99 - $2 easy rebate = $12.99
blue, pink or orange$19.99
TI-34 MultiView scientific calculator$99.99 after easy rebate
Texas Instruments TI-84 plus graphing calculator
$109.99 - $10 easy rebate = $99.99$89.99 after easy rebate
TI-83 Plus graphing calculator
$99.99- $10 easy rebate = $89.99$109.99 after easy rebate
Texas Instruments TI-84 plus SE graphing calculator
$124.99-$15 easy rebate - $109.99
pink, black, blue, silver$129.99 after easy rebate
Texas Instruments TI-Nspire CX color graphing calculator
$149.99-$20 easy rebate = $129.99Phones with easy rebates$59.99 Panasonic DECT 6.0 expandable phone with digital answering system - 3/pk
$89.99 - $10 instant savings - $20 easy rebate = $59.99$79.99 Vtech DECT 6.0 expandable cordless phone with digital answering system - 2/pk
$99.99 - $10 instant savings - $10 easy rebate = $79.99$99.99 Panasonic DECT 6.0 expandable cordless phone with digital answering machine 4/pk
$139.99 - $10 instant savings - $30 easy rebate = $99.99
*****$1 Scentos scented markers, assorted colors
$1 Staples writing pad 8.5X11 assorted designs and rulings - Limit 2 per customer
$1 Staples Hype grip higlighters - yellow and assorted - Limit 2 per customer
$1 Staples printed poly zip envelope check size
$1.50 Staples assorted patterns composition book
$2 Stretch pencil box
$2 Staedtler Mars plastic erasers
$2 Rose Art washable markers fine or broad
$2 Staedtler metal sharpener
$2 1.6L Really Useful storage box
$2 Staples memo pads - twirl kpad or acrylic cube
$2 Staples 3.75X5.5" faux-leather memo book 80 sheets
$2 Wet Ones citrus pack 40ct. Disenfecting wipes
$2 Bic White Out correction fluid 2/pack
$2 Scotch permanent foam mounting tape - foam tape or squares
$3 Pilot FriXion Ball erasable gel pens, fine 3/pk - black or assorted
$2 Staples Accel 1 subject notebook wide or college ruled 100 sheets assorted SKU - Also available in 3 & 5 subject college ruled
$2.99 Spine Guard 1 subject notebook, college ruled 100 sheets assorted colors - Also available in 3 & 5 subjects, college ruled
$1 Staples wireless notebook 8.5X11 college ruled 80 sheets assorted colors 1 subject - In store only$3 Pendaflex Write and Erase 3 tab file folders assorted colors 12/pk
$3 Expo dry-erase markers fine - black or assorted 4/pk
$3 Kleenex facial tissue 2/pk
$3 Staedtler Xscellence mnath set 10 pieces
$4 48/pk Staples #2 pencils
$4 Saples 9X12" Construction Paper assorted colors 200 sheets
$4 Bic Mechanical Pencils 24/pk .5mm or .7mm
$5 Staples stand up stapler
$5 Artskills letters pack
$5 Westcott 8" scissors 3/pk
$5 Staples letter/legal siize SureFIT blue storage boxe3s 4/pk
$5 Pentel Wow! Retractable ballpoint pens, medium 18/pk black or assorted
$5 Bounty paper towels 6/pk
$5 Omnitech battery powered pencil sharpner assorted colors
$6 Charmin Basic bath tissue 16/pk
$6 Post-it 3X3" Super Sticky notes 5/pk25% - 50% off all backpacksNew Scotch Expressions Tape - Exlusively at Staples
2/$3
Buy 2 rolls and get a cleare dispenser FREE. A 99 value.$7 Post-it pop-up note novelty dispensers (heart, purse, spin)
$7 Fashion tape dispensers - asorted (cupcake, apple and shoe pictured)FREE colored duct tape sheet when you buy any colored duct tape roll $1.99 value 8.5X10" sheet. Asorted SKUs. In store only
$4.99 Duck Tape duct tape roll assorted colorsRegular selection of desks and chairs. One of note:2 days only - Sunday and Monday
$69.99 - Save $80
Staples Siddons chair
Rest of the week $89.99
Regular price $149.99
In-store only$79.99 SodaStream Fountain Jet home soda makerGet a Staples $20 Gift Card when you buy any regularly priced Keruig brewer
$99.99 Keruig B31 - $99.99 (seems to be regular price)Get a $20 Visa prepaid card after easy rebate when you purchase 2 of the same HP toners.
Limit 2 rebates per household
Multipacks count as 1 item$10 coupon off any advertised Canon inkjet printer - coupon available for online useInkjet
$59.99 Canon PIXMA MX410 wireless all in one
$129.99 Canon PIXMA MX892 wireless all in one
$79.99 Canon PIXMA MX432 wireless all in oneCopier/Fax
Save on all Canon copiers/faxes after instant savings or mail in rebate - Excludes clearance items$99.99 Canon imageCLASS D420 laser copier$119.99 Canon ImageCLASS MF4450 laser all in one$149.99 Lexmark E260DN laser printer - Plus $50 off when you trade in
Upgrade to an all in one
$279.99 X264dnw wireless laser all in one$249.99 Lexmark C540dw color wireless laser printer - Plus $50 off when you trade in$247.99 after MAIL IN REBATE
Canon ImageCLASS MF5950dw wireless all in one
$399.99-$125 mail in rebate = $274.99
Not available in all stores
Upgrade to color:
$479.99 imageCLASS MF8380Cdw wireless color all in one$899.99 Lexmark X464DE laser all in one - Plus $50 off when you trade inSave on all mobile and select wide-format printers
$99.99 Canon iX6520 inkjet printer
$199.99 Canon PIXMA iP100 mobile printer
$129.99 Epson WorkForce WF-7010 wide format inkjet printer
$149.99 HP Officejet 7000 wide-format printer
$249.99 Epson Artisan 1430 wide format inkjet printerMore Epson inkjet printers, faxes and Epson scanners listed for sale.Thanks TSUalum93 at SD.
Staples Coupons

Garmin nuvi 50LM US 5.0 GPS Navigation System with Lifetime Maps
NEW with USA Warranty!
104.99
Limited Supply!Click Here!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 Specifications
Lifetime 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.
eBay Coupons

Page 1 & RebatesNO in Ad $/$ Coupon40% coupon off any one Martha Stewart Home Office with Avery product OR get $4 off your $10 order of Martha Stewart Home Office wit Avery products on Staples.com25% coupon off all shredders - Excludes clearance items coupon - valid in store onlyExtreme Deal
1 Staples 1 subject notebook wide rule 70 sheets - Limit 6 per customer. While Supplies Last. Must spend $5. Minimum spend does not include tax or cost of any extreme deal itemLimit 2 per customer unless otherwise noted. In store only. While supplies last.
25 Staples school glue - Limit 4 per customer
50 0.14L Really Usefull Box assortede colors
50 Staples 3X5 white ruled index cards
50 after easy rebate Staples photo supreme 8.5X11 paper double sided matte $14.99 - $14..49 easy rebate = 50 - Limit 4 per household
50 Bic Velocity retractable ballpoint pens bold black
50 Staples mini composition book 4.5X3.25" 80 sheets
$1 Bick erasers with grips
$2 Avery glue sticks 3/pack50% off all Timberland backpacksBuy 2 Get 1 Free instantly on any 5 ream or 10 ream case. Assorted SKUs. No limit. In store only. Valid on any SKU of equal or lesser value. Exludes clearence items. Plus tax where applicable.$2 after easy rebate HammerMill 8.5X11 Copy Plus copy paper 500 sheets $6.99-$4.99 easy rebate = $2 - Limit 2 per householdNexus7 from Google $199 - Get $25 credit for Google Play, plus other amazing FREE content$379.99 Toshiba laptop with Intel Pentium B970 Processor with Windows 7 Home Premium - While Supplies Last$479.99 after easy rebate HP laptop with Intel Core i3-2350M Processor - $649.99 - $120 Instant Savings - $50 easy rebate = $479.99$5.99 8GB PNY Attache USB Flash Drive
$9.99 16GB PNY Attache USB Flast DriveSoftware Rebates$19.99 after easy rebate - Norton Antivirus 2012 1 PC
$39.99 - $20 easy rebate = $19.99
Limit 1 rebate per household$29.99 after easy rebate - Norton Antivirus 2012 3 PC
$59.99 - $30 easy rebate = $29.99
Limit 1 rebate per household$39.99 for Staples Reward members - Norton 360 V6.0 1-3 PCs
Save $50
$89.99 - $15 Instant Savings - $35 Rewards Instant Savings = $39.99$54.99.99 Premier V6.0 9PCs
$99.99 - $10 Instant Savings - $35 Rewards Instant Savings = $54.99
Limit 1 rebate per householdAvery RebateSave $5 on all Avery laser full-sheet lables after easy rebate. Limit 1 rebate per SKU per household. Exludes clearence items.Calculators (all have easy rebates)$9.49
Casio FX260slrs scientific calculator
FX300MS scientific calculator
FX115ES scientific calculator$9.99
Texas Instruments TI-30Xa scientific calculator12.99 after easy rebate
Texas Instruments TI-30SXIIS scientific calculator
$14.99 - $2 easy rebate = $12.99
blue, pink or orange$19.99
TI-34 MultiView scientific calculator$99.99 after easy rebate
Texas Instruments TI-84 plus graphing calculator
$109.99 - $10 easy rebate = $99.99$89.99 after easy rebate
TI-83 Plus graphing calculator
$99.99- $10 easy rebate = $89.99$109.99 after easy rebate
Texas Instruments TI-84 plus SE graphing calculator
$124.99-$15 easy rebate - $109.99
pink, black, blue, silver$129.99 after easy rebate
Texas Instruments TI-Nspire CX color graphing calculator
$149.99-$20 easy rebate = $129.99Phones with easy rebates$59.99 Panasonic DECT 6.0 expandable phone with digital answering system - 3/pk
$89.99 - $10 instant savings - $20 easy rebate = $59.99$79.99 Vtech DECT 6.0 expandable cordless phone with digital answering system - 2/pk
$99.99 - $10 instant savings - $10 easy rebate = $79.99$99.99 Panasonic DECT 6.0 expandable cordless phone with digital answering machine 4/pk
$139.99 - $10 instant savings - $30 easy rebate = $99.99
*****$1 Scentos scented markers, assorted colors
$1 Staples writing pad 8.5X11 assorted designs and rulings - Limit 2 per customer
$1 Staples Hype grip higlighters - yellow and assorted - Limit 2 per customer
$1 Staples printed poly zip envelope check size
$1.50 Staples assorted patterns composition book
$2 Stretch pencil box
$2 Staedtler Mars plastic erasers
$2 Rose Art washable markers fine or broad
$2 Staedtler metal sharpener
$2 1.6L Really Useful storage box
$2 Staples memo pads - twirl kpad or acrylic cube
$2 Staples 3.75X5.5" faux-leather memo book 80 sheets
$2 Wet Ones citrus pack 40ct. Disenfecting wipes
$2 Bic White Out correction fluid 2/pack
$2 Scotch permanent foam mounting tape - foam tape or squares
$3 Pilot FriXion Ball erasable gel pens, fine 3/pk - black or assorted
$2 Staples Accel 1 subject notebook wide or college ruled 100 sheets assorted SKU - Also available in 3 & 5 subject college ruled
$2.99 Spine Guard 1 subject notebook, college ruled 100 sheets assorted colors - Also available in 3 & 5 subjects, college ruled
$1 Staples wireless notebook 8.5X11 college ruled 80 sheets assorted colors 1 subject - In store only$3 Pendaflex Write and Erase 3 tab file folders assorted colors 12/pk
$3 Expo dry-erase markers fine - black or assorted 4/pk
$3 Kleenex facial tissue 2/pk
$3 Staedtler Xscellence mnath set 10 pieces
$4 48/pk Staples #2 pencils
$4 Saples 9X12" Construction Paper assorted colors 200 sheets
$4 Bic Mechanical Pencils 24/pk .5mm or .7mm
$5 Staples stand up stapler
$5 Artskills letters pack
$5 Westcott 8" scissors 3/pk
$5 Staples letter/legal siize SureFIT blue storage boxe3s 4/pk
$5 Pentel Wow! Retractable ballpoint pens, medium 18/pk black or assorted
$5 Bounty paper towels 6/pk
$5 Omnitech battery powered pencil sharpner assorted colors
$6 Charmin Basic bath tissue 16/pk
$6 Post-it 3X3" Super Sticky notes 5/pk25% - 50% off all backpacksNew Scotch Expressions Tape - Exlusively at Staples
2/$3
Buy 2 rolls and get a cleare dispenser FREE. A 99 value.$7 Post-it pop-up note novelty dispensers (heart, purse, spin)
$7 Fashion tape dispensers - asorted (cupcake, apple and shoe pictured)FREE colored duct tape sheet when you buy any colored duct tape roll $1.99 value 8.5X10" sheet. Asorted SKUs. In store only
$4.99 Duck Tape duct tape roll assorted colorsRegular selection of desks and chairs. One of note:2 days only - Sunday and Monday
$69.99 - Save $80
Staples Siddons chair
Rest of the week $89.99
Regular price $149.99
In-store only$79.99 SodaStream Fountain Jet home soda makerGet a Staples $20 Gift Card when you buy any regularly priced Keruig brewer
$99.99 Keruig B31 - $99.99 (seems to be regular price)Get a $20 Visa prepaid card after easy rebate when you purchase 2 of the same HP toners.
Limit 2 rebates per household
Multipacks count as 1 item 
$10 coupon off any advertised Canon inkjet printer - coupon available for online use 
Inkjet 
$59.99 Canon PIXMA MX410 wireless all in one
$129.99 Canon PIXMA MX892 wireless all in one
$79.99 Canon PIXMA MX432 wireless all in one 
Copier/Fax
Save on all Canon copiers/faxes after instant savings or mail in rebate - Excludes clearance items 
$99.99 Canon imageCLASS D420 laser copier   
$119.99 Canon ImageCLASS MF4450 laser all in one
$149.99 Lexmark E260DN laser printer - Plus $50 off when you trade in 
Upgrade to an all in one
$279.99 X264dnw wireless laser all in one 
$249.99 Lexmark C540dw color wireless laser printer - Plus $50 off when you trade in
$247.99 after MAIL IN REBATE
Canon ImageCLASS MF5950dw wireless all in one
$399.99-$125 mail in rebate = $274.99
Not available in all stores
Upgrade to color:
$479.99 imageCLASS MF8380Cdw wireless color all in one
$899.99 Lexmark X464DE laser all in one - Plus $50 off when you trade inThanks TSUalum93 at SD.
Staples Coupons

Garmin nuvi 50LM US 5.0 GPS Navigation System with Lifetime Maps
NEW with USA Warranty!
109.99
Limited Supply!Click Here!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 Specifications
Lifetime 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.
eBay Coupons

Hi everyone, this is my first FW post after lurking for a couple weeks, reading a few hundred full threads (btw, it is incredibly difficult to find information that isn't really out of date, such as mint coins no longer working). I've gotten a very strong community vibe from the forums and as such feel I should throw in my background as I plan to stick around; Anyone not interested can skip the next paragraph. I'm finally going to have a totally clean CR (excluding hard inquiries) in Feb 2013, and am working out how to responsibly utilize this to make some extra money. Any feedback/suggestions would be greatly appreciated.So, my background. As soon as I turned 18 I took out 7 or 8 credit cards, and thank god was only given about $4K CL between them (most $300 or $500 limits, one was 2K). I moved out on my own with very shaky financial footing and attempted to float my cost of living and start an eBay drop shipping business with my available credit. This was a terrible idea, and I was quickly out of credit, not making enough to cover my costs, and defaulted on all of my cards and an overdrawn checking account. Everything went to collections and I completely ignored everything about credit for 3 or 4 years (very dumb). I also went to college where I obtained deferred interest student loans, banked the money in CD's at better interest, and by junior year had some decent free money. At that point I stumbled upon MyDollarPlan.com and realized by blowing my credit I was missing out on thousands to tens of thousands, and decided to tackle fixing my credit as opportunities presented themselves. I used the profit from the CD's to pay in full the legitimate (although stupid) debts I had racked up at 18, plus considerable interest on many of the debts, and took care of what the CD's didn't cover as time and money allowed. Unfortunately this was before it was easy to find this information online (I'm a computer programmer now and still only recently stumbled on FW) and so I never got anything in writing from collection companies or original creditors to remove negatives upon payment. I found the MyFico forums about a year ago when trying to fix my credit for a home purchase and through the instructions there I was able to get most of my negatives removed through good will after taking responsibility and paying debts, but 3 or 4 negatives would not budge. These remaining negatives (which were all PIF) are set to expire (fall off from 7 year aging) in October, November, December, and February which will finally leave me with a clean credit history.Now that I've covered my past, here's where I am now (again skip to next paragraph if you don't care): At this time my FAKO through USAA credit monitoring is showing 577 Experian, 605 Equifax, 605 Trans Union. I have 7 years (aprox) of student loan history, 6 months of mortgage, 4 months of auto, 1 year for a USAA and CapOne CC ($2500 combined CL) and an AU discover with 6K CL and 12 years history, all reporting perfect. I've used their score estimation tool to forecast my credit score once my negatives are completely gone, and it is estimating 749-769. My mortgage is FHA 3.75% on 80K so great here, my car however is abysmal at 19% on 22K from CapOne Auto. The auto loan was a compromise with my wife where she had to have the nice new car status symbol and absolutely had to change cars because the engine on the old one overheated and died hard, but we compromised on a Prius and get 50mpg, and as such our gas savings are between $175 to 250/mo with how much we drive.So FW, now that we've been introduced, here's what I've learned and am thinking about and where I could use suggestions, again with bad credit right now and perfect credit coming in Feb. The absolute top of my list is getting out of the 19% interest on the car loan. I think I'm going to go about this by asking USAA and Cap One for CLI's, then starting an App-O-Rama (from this point for at least 5 years I won't have any use for a high credit score outside of maximizing returns, I already have a new car and mortgage). From what I could piece together (again finding recent info is hard given all the stickies are 7 years old) these days getting credit is much harder than before and I'll be lucky to get 7 or 8 cards total. At the top of my list will be a 0% BT card, maybe more than one as long as I can confirm the card issuers do a hard pull on different CRA's so they wont recognize the multiple inquiries, and an auto refinance (my god it would be nice if the PenFed 1.49% stuck around through Feb). Once I'm sure on the auto refi I'll be prioritizing 5% and 6% Cash Back, then more 0% BT's (interest arbitrage is not as good as 5% these days), and finally move to signup rewards that work out to > 3%. By this point I'm pretty sure I wont be getting any more approvals and will not be able to AOR again for another 6 or 7 months, at which point I'll do more CLI requests then new apps based on the best deals at that time, trying to further build my otherwise lacking credit.As for what to do with proceeds... At first everything I can needs to go to getting car down to 0% or as close as possible, but assuming I nail some awesome refi and have anything left to invest here's what I think I've learned. Any input is greatly appreciated: Pull avail money from BT cards and put in high yield checking (or other FDIC insured), Max spend rewards by purchasing Visa/AMEX GC's, cash out / churn, and any cards with 0% on purchases can also be cashed out the same way and put into high yield checking. Pay attention to promo's where GC's can be purchased lower than face value ($90 on $100 etc), verify a cash-out plan (i have worked out a few from my hundreds of threads of reading, thanks FW) and use any money in high yield checking to run this churn. Also use checking funds to maximize Staples free after rewards and free after rebates to cash-out. Any further idea's or extra information regarding these methods is greatly appreciated, but I've been through countless threads with these plea's falling on deaf ears and can't say I expect any different (but I can hope), I'm glad I was able to gleam what I could from subtle hints here and there.In the shorter term, I'm feeling impatient, and would love it if FW could reiterate to me that its a really stupid idea to add hard pulls to try to qualify for checking/savings account signup bonuses before my Feb AOR, but if I could get away with a few of those over the next 4 months and not hurt my Feb AOR I really want to as I've been kicking myself for a really long time now on how much I've missed out on by trashing my credit and I'm finally reaching the light at the end of the tunnel.Anyways, thanks everyone for all the great contributions to the threads here which have really got my planning going into overdrive. If you have any suggestions, comments, questions, or food for thought I would love to here it.Thanks,
VaderZak

I have been a member of Fatwallet for 6+ years and am about to graduate college with an undergrad degree in MIS. My university's MIS program is top 5 in the nation. I also have a very solid resume with internship, study abroad experience, and a high GPA.I received a job offer from a major retail company's IT department with a salary of ~$50k to do an 18-month IT rotational program. The company is located in Northwest Arkansas where cost of living is low. I also just completed a summer internship with this company.As for the actual offer, the benefits are pretty low; especially vacation time. I'm allowed 2 weeks for the first 7 years, 3 weeks after 7 years, and then 4 weeks after 15 years.I either want to work as a Project Manager or as a Consultant out of college. This job offer would put me on the PM career path. What are my chances of getting a considerably better offer from a different company? I could probably get much better benefits in consulting but it would also be much more competitive. ~I greatly appreciate any insights the FW community can provide~

about the lowest price of the year anywhere!$1.99 24 pack of water to 8/18 NICE! brandat Walgreens b&m.Believe limit is 3 per order.FARR:
Renew Life Omega Smart Super Krill (60 ct) softgels - WIC 440136 - $10 get $10 RR
$2 off ANY Renew Life Omega Smart Fish Oil exp 12/31/2012 PDF (reps to odson)Other RR Deals:Gonna put this on at the top, here's exactly what it says:
"Buy 583986-I Tunes Gift Card $50 get 461920-W Card Shopper for $10.00 off" - Limit 2 per customer except in New Mexico. Gillette Venus Spa, Venus ProSkin 2in1, or Fusion ProGlide Victory manual or power razor - $9.99 get $4 RR
$4.00/1 Gillette Fusion ProGlide razor, excludes Styler and trial 8/12/RP (x9/30/12)
$4.00/1 Venus Refillable Razor ets 8/12/RP (x9/30/12)Revlon Scented nail enamel or participating Top Speed - $4.99 get $3 RR
$2/1 Revlon Comestic Item, any (x9/30/12) tearpad
$1/1 Revlon Color Cosmetic, any - 08-05-12 SS (x9/9/12)
$1/1 Revlon Color Cosmetic, any - 07-22-12 SS (x8/26/12)Aussie or Herbal Essence - $3 get $1 RR (monthly deal)
Herbal Essences or Aussie $3/2 products (9/30/12) RP 8/5/12Crest toothpaste, Glide Floss, Scope Mouthwash or Oral-B toothbrush - 2/$6 get $ 3 RR
Crest Complete Deep Clean (5.8 oz) WIC 435537
Crest Glide Comfort Plus mint (43.7 yd) WIC 616794
Crest Compete Scope (5.8 oz) - WIC 435536 **
.75 Crest Toothpaste 4oz + 7/29/PG
Oral-B Complete Advantage Scope toothbrush - WIC 522754
Scope Dual Blast mouthwash (24-25.4 oz) - WIC 435540 **
$1/1, .75 Scope Mouthwash, any 710 mL or larger 7/29/PG (x8/31/12)
** Also in the MegaSaver report BOGO 50% at $4.49.Dentyne Ice (16 ct) 3 pk or Trident White (16 ct) 3 pk - $2.49 get $1 RRU By Kotex Sleek tampons (18 ct), pantiliners (50 ct), cleanwear pads (18 ct) - 2/$8 get $3 RR
$1/1 Kotex U product 8/12/SS (x9/22/12) Claritin D 12hr (20 ct), Liquigels (24 ct), Reditabs (30 ct) or Claritin (30 ct) - $19.99 get $3 RRDove hair care products, deodorant (2.6 oz), Men+Care (2.7 - 3 oz) or body mist - 4/$15 get $5 RR
7/29 RP Dove $2/1 Clinical Protection antiperspirant/deodorant ets (8/26/12)
7/29 RP Dove $3/2 hair care products ets (8/26/12)
7/29 RP Dove Men+Care $.75/2 antiperspirants or deodorants 1,7oz, 2.7oz or 3oz ets (8/26/12)Energizer Max AA (16 ct) battery, Value Charger w/4 AA's or C battery (8 ct) - $10.99
Buy 1 get $2 RR
Buy 2 or more get $5 RRICaps Lutein/Zea (120 ct) tabs - $14.99 get $5 RRIrish Spring body wash (15 oz) - 2/$6 get $3 RR
$1/2 mq in Sunday paperListerine Ultra Clean cool mint (500 ml) - $3.99 get $2 RRNatural Instincts For Men hair color - 2/$12 get $2 RROlay Regenerist - $22.99 get $2 RR
$5/1 Olay Pro-X or Regenerist Facial Moisturizer 7/29/PG (x8/31/12)
Buy $30 get $10 MIR at Olay.comBuy 3 or more participating Scrubbing Bubbles, Pledge, Fantastik, Windex, Shout or Drano get $2 RR (monthly deal, sale prices this week)
Drano liquid Professional Strength (32 oz) max gel - $3.99
Pledge lemon (9.7 oz) - $3.99
$2/2, .75, .50 Pledge Product, any - 07-22-12 SS (x9/1/12)
Scrubbing Bubbles (16 oz) bath cleaner - $2.99
Scrubbing Bubbles Toilet gel (6 ct), Mega Shower Foamer (20 oz) or Auto Shower cleaner refill (34 oz) - $3.99
$1/2 Scrubbing Bubbles Bathroom Cleaning Products, any - 07-29-12 SS (x9/8/12)
Shout (22 oz) liquid - $2.99
Windex Trigger (26 oz) or wipes (28 ct) - $2.99
$1/2 Windex Products, any - 07-29-12 SS (x9/8/12)Walgreens Omeprazole 20mg (42 ct) - $18.99 get $6 RR
Other Sale Items:Good N Natural - $1.29
Good'n Natural Free bar up to $1.29 8/12/RP (x9/15/12)5 Hour Energy - Buy Berry (2 oz) 6 ct get (2 oz) 2 ct free (Buy 5 Hour 6 pk get one 5 Hour 2pk free)Always or Tampax products - BOGO 50%
7/29 P&G Always Pantiliners, $1.50/2 off any (30 ct or higher) (exp 8/31/12)
7/29 P&G Always Infinity, $2 off any 12 ct or higher (exp 8/31/12)
7/29 P&G Tampax Pearl, Compak, or Radiant $2 off (16 ct or higher) (exp 8/31/12)
7/29 P&G Tampax $1.50/2 any (20 ct or higher) (8/31/12)
7/29 P&G Always Infinity (12 ct or higher), including Always Radiant Infinity $2 off (8/31/12)Arm & Hammer laundry - BOGO at $6.99Dove Beauty Bar or body wash - BOGO 50%
7/29 RP Dove $.50/1 Beauty Bar 4-bar pack+ excludes trial and Men+Care (8/26/12)
7/29 RP Dove $1/1 body wash 12-16oz excludes trial and Men+Care (8/26/12)
7/29 RP Dove $2/1 body wash 18oz+ excludes trial and Men+Care (8/26/12)
7/29 RP Dove Men+Care $1/1 body and face bar 6-bar pack+ ets (8/26/12)
7/29 RP Dove Men+Care $1/1 body and face wash 13.5oz+ or Active Clean shower tool ets (8/26/12)Edge, Skintimate or Gillette disposable razors - BOGO 50%Garnier or Ponds skin care - BOGO 50%
$2 mq in Sunday 8/12 paper(Garnier)Got2B - BOGO (monthly deal)Huggies wipe (184 or 216 ct) refill - $5.99
$.50/1 baby wipes 56ct+ 8/12/SS (9/8/12)
$2 IVC in August bookKleenex tissue - $.99Nice purified water (24 ct) - $1.99Palmolive (10 oz) dish soap - $.94
$0.25/1 Ultra Palmolive dish liquid 8/12/SS (x9/1/12) Ponds skin care - BOGO 50%Raid Wasp/Hornet, Ant Killer, Flying Insect or Ant/Roach - $4.99
8/5 SS Raid $1/1 ant & roach product (9/15/12)
8/5 SS Raid $1/1 ant gel (9/15/12)
Peelie on product Raid Ant & Roach Killer, $.45/1 (6/31/13)
Tearpad Raid Ant & Roach Killer, $.55/1 (DND) (6/31/13)
$1 IVC in August bookSchick full line - BOGO 50%
7/29 SS Schick Hydro Silk Razor or Refill, $2 off any (exp 9/9/12)
7/29 SS Schick Hydro Shave Gel, $.75 off any (xp 9/9/12)
7/29 SS Schick Hydro 3 or Schick Hydro 5 Refills, $2 off any (exp 9/9/12)
7/22 SS Schick Quattro For Women Disposable Razor Pack $2 off any (exp 9/2/12)SoftSoap body wash - BOGO at $4.49Speedstick, Lady Speedstick - $1.99 (monthly)W (Nice) paper lunch bag, plastic cups (20 ct), aluminum foil, or Sunny Smile paper plates - $.99 (bonus buy)Visine A Eye Drops (.5 oz) - Buy Zyrtec 24 hour (10 mg) liquid gel (40 ct) or (45 ct) tablets get Visine A Eye Drops - WIC 506256 free (bonus buy)
Fillers - these are all in a wrap-aroundWexford folder 2 pocket - $.09Wexford #2 pencils (8 ct) - $.39Wexford 1 subject notebook (60 or 70 sheet) - $.49PaperMate colors highlighters (6 ct) - $.49Wexford comp book (80 sheet) - $.59Wexford filler paper (280 sheet) - $1.99Pilot G2 pen (2 ct) black, red, blue or bold black - $1.99Elmers purple school glue (6 ct) - $2.49delftgirl's list. Rep hereCheap fillers (If you use a coupon, it is not a filler for attaching a RR)
.09 Wexford 2 Pocket folder
.29 Paper Mate Pens or Mechanical Pencils 5 pack Write Bros Mechanical Pencils, 10 pack Pens
.39 No. 2 Pencils Wexford 8 pack
.49 1 Subject Notebook Wexford or Penway Wide or College Ruled, 60 or 70 sheets
.49 Paper Mate Highlighters 6 pack
.59 Composition Book Wexford or Penway 80 sheets
.69 School Supplies Plastic Supplies Box, 12 pack Penway Colored Pencils
.99 Crayola Markers, 10 pack, Crayons, 24 pack
.99 Notebook or Facial Tissue Wexford 3 Subject Notebook, 120 sheets; Kleenex Facial Tissue, 24, 70, or 100 sheets
Kleenex $.50/3 50ct+ boxes or $.50/1 bundle pack ets (8/12/12) SS 7/8/12
Kleenex $.50/3 50ct+ boxes or $.50/1 bundle pack ets (9/23/12) SS 8/12/12
.99 Nice! Olives 5 or 6 oz.
.99 5 Tab Index Divider with Pockets Wexford
.99 Liquid Paper Correction Pen, Correction Fluid 8 oz.
.99 One Dozen Grade A Large Eggs (can count as a filler, but cannot be purchased with RRs)With Weekly IVC:
.19 Highlighter Wexford #1718
.34 (3/$1) Nice! Gelatin Regular or Sugar Free #1710
.39 Wrigleys 5 or Orbit 6 pieces #1708
.39 Pencil Sharpener Wexford #1717
.49 Glue Sticks Wexford 3 pack #1719
.50 (8/$4) Friskies Cat Foos 5.5 oz. #1714
.59 Mars Candy 1.1 to 2.13 oz. #1700
.59 Starburst or Skittles 2.07 or 2.17 oz. #1704
.79 Gummy Candy Black Forest, Haribo or Trolli 4.25 to 5 oz. #1712
.79 Chicken of the Sea Chunk Light Tuna 8 oz. #1713
.79 Paper Mate Profile Retractable Pen 2 pack #1716

How beneficial is borrowing from 401K money that is not earning much vs. using cold cash also not earning much, to pay lumpsum upfront for 4 years of college tuition prepay contract ?Assume that the decision to buy 4 year prepaid college tuition contract from the state is not what is being sought for advice on. The question is: whether to pay for that using cold cash that is not earning much vs paying that with loan from 401K cash portion that is also not earning much but would be amortized over 5 years -- the limit for paying back 401K "loan". The amount involved is almost $65K. The state allows only $10 of tax break in general per year for state-tax free contribution. Someone said this can also justify stretching the payment over those 5 years to get state-tax break for 5 years. I am not sure on that one. But are there pros and cons of paying from 401K loan vs cash ?I know that if I leave the employment the 401K loan becomes due immediately (60days) that I can cover from liquidating cash-equivalent investments so not an issue.

about the lowest price of the year anywhere!$1.99 24 pack of water to 8/18 NICE! brandat Walgreens b&m.Believe limit is 3 per order.FARR:
Renew Life Omega Smart Super Krill (60 ct) softgels - WIC 440136 - $10 get $10 RR
$2 off ANY Renew Life Omega Smart Fish Oil exp 12/31/2012 PDF (reps to odson)Other RR Deals:Gonna put this on at the top, here's exactly what it says:
"Buy 583986-I Tunes Gift Card $50 get 461920-W Card Shopper for $10.00 off" - Limit 2 per customer except in New Mexico. Gillette Venus Spa, Venus ProSkin 2in1, or Fusion ProGlide Victory manual or power razor - $9.99 get $4 RR
$4.00/1 Gillette Fusion ProGlide razor, excludes Styler and trial 8/12/RP (x9/30/12)
$4.00/1 Venus Refillable Razor ets 8/12/RP (x9/30/12)Revlon Scented nail enamel or participating Top Speed - $4.99 get $3 RR
$2/1 Revlon Comestic Item, any (x9/30/12) tearpad
$1/1 Revlon Color Cosmetic, any - 08-05-12 SS (x9/9/12)
$1/1 Revlon Color Cosmetic, any - 07-22-12 SS (x8/26/12)Aussie or Herbal Essence - $3 get $1 RR (monthly deal)
Herbal Essences or Aussie $3/2 products (9/30/12) RP 8/5/12Crest toothpaste, Glide Floss, Scope Mouthwash or Oral-B toothbrush - 2/$6 get $ 3 RR
Crest Complete Deep Clean (5.8 oz) WIC 435537
Crest Glide Comfort Plus mint (43.7 yd) WIC 616794
Crest Compete Scope (5.8 oz) - WIC 435536 **
.75 Crest Toothpaste 4oz + 7/29/PG
Oral-B Complete Advantage Scope toothbrush - WIC 522754
Scope Dual Blast mouthwash (24-25.4 oz) - WIC 435540 **
$1/1, .75 Scope Mouthwash, any 710 mL or larger 7/29/PG (x8/31/12)
** Also in the MegaSaver report BOGO 50% at $4.49.Dentyne Ice (16 ct) 3 pk or Trident White (16 ct) 3 pk - $2.49 get $1 RRU By Kotex Sleek tampons (18 ct), pantiliners (50 ct), cleanwear pads (18 ct) - 2/$8 get $3 RR
$1/1 Kotex U product 8/12/SS (x9/22/12) Claritin D 12hr (20 ct), Liquigels (24 ct), Reditabs (30 ct) or Claritin (30 ct) - $19.99 get $3 RRDove hair care products, deodorant (2.6 oz), Men+Care (2.7 - 3 oz) or body mist - 4/$15 get $5 RR
7/29 RP Dove $2/1 Clinical Protection antiperspirant/deodorant ets (8/26/12)
7/29 RP Dove $3/2 hair care products ets (8/26/12)
7/29 RP Dove Men+Care $.75/2 antiperspirants or deodorants 1,7oz, 2.7oz or 3oz ets (8/26/12)Energizer Max AA (16 ct) battery, Value Charger w/4 AA's or C battery (8 ct) - $10.99
Buy 1 get $2 RR
Buy 2 or more get $5 RRICaps Lutein/Zea (120 ct) tabs - $14.99 get $5 RRIrish Spring body wash (15 oz) - 2/$6 get $3 RR
$1/2 mq in Sunday paperListerine Ultra Clean cool mint (500 ml) - $3.99 get $2 RRNatural Instincts For Men hair color - 2/$12 get $2 RROlay Regenerist - $22.99 get $2 RR
$5/1 Olay Pro-X or Regenerist Facial Moisturizer 7/29/PG (x8/31/12)
Buy $30 get $10 MIR at Olay.comBuy 3 or more participating Scrubbing Bubbles, Pledge, Fantastik, Windex, Shout or Drano get $2 RR (monthly deal, sale prices this week)
Drano liquid Professional Strength (32 oz) max gel - $3.99
Pledge lemon (9.7 oz) - $3.99
$2/2, .75, .50 Pledge Product, any - 07-22-12 SS (x9/1/12)
Scrubbing Bubbles (16 oz) bath cleaner - $2.99
Scrubbing Bubbles Toilet gel (6 ct), Mega Shower Foamer (20 oz) or Auto Shower cleaner refill (34 oz) - $3.99
$1/2 Scrubbing Bubbles Bathroom Cleaning Products, any - 07-29-12 SS (x9/8/12)
Shout (22 oz) liquid - $2.99
Windex Trigger (26 oz) or wipes (28 ct) - $2.99
$1/2 Windex Products, any - 07-29-12 SS (x9/8/12)Walgreens Omeprazole 20mg (42 ct) - $18.99 get $6 RR
Other Sale Items:Good N Natural - $1.29
Good'n Natural Free bar up to $1.29 8/12/RP (x9/15/12)5 Hour Energy - Buy Berry (2 oz) 6 ct get (2 oz) 2 ct free (Buy 5 Hour 6 pk get one 5 Hour 2pk free)Always or Tampax products - BOGO 50%
7/29 P&G Always Pantiliners, $1.50/2 off any (30 ct or higher) (exp 8/31/12)
7/29 P&G Always Infinity, $2 off any 12 ct or higher (exp 8/31/12)
7/29 P&G Tampax Pearl, Compak, or Radiant $2 off (16 ct or higher) (exp 8/31/12)
7/29 P&G Tampax $1.50/2 any (20 ct or higher) (8/31/12)
7/29 P&G Always Infinity (12 ct or higher), including Always Radiant Infinity $2 off (8/31/12)Arm & Hammer laundry - BOGO at $6.99Dove Beauty Bar or body wash - BOGO 50%
7/29 RP Dove $.50/1 Beauty Bar 4-bar pack+ excludes trial and Men+Care (8/26/12)
7/29 RP Dove $1/1 body wash 12-16oz excludes trial and Men+Care (8/26/12)
7/29 RP Dove $2/1 body wash 18oz+ excludes trial and Men+Care (8/26/12)
7/29 RP Dove Men+Care $1/1 body and face bar 6-bar pack+ ets (8/26/12)
7/29 RP Dove Men+Care $1/1 body and face wash 13.5oz+ or Active Clean shower tool ets (8/26/12)Edge, Skintimate or Gillette disposable razors - BOGO 50%Garnier or Ponds skin care - BOGO 50%
$2 mq in Sunday 8/12 paper(Garnier)Got2B - BOGO (monthly deal)Huggies wipe (184 or 216 ct) refill - $5.99
$.50/1 baby wipes 56ct+ 8/12/SS (9/8/12)
$2 IVC in August bookKleenex tissue - $.99Nice purified water (24 ct) - $1.99Palmolive (10 oz) dish soap - $.94
$0.25/1 Ultra Palmolive dish liquid 8/12/SS (x9/1/12) Ponds skin care - BOGO 50%Raid Wasp/Hornet, Ant Killer, Flying Insect or Ant/Roach - $4.99
8/5 SS Raid $1/1 ant & roach product (9/15/12)
8/5 SS Raid $1/1 ant gel (9/15/12)
Peelie on product Raid Ant & Roach Killer, $.45/1 (6/31/13)
Tearpad Raid Ant & Roach Killer, $.55/1 (DND) (6/31/13)
$1 IVC in August bookSchick full line - BOGO 50%
7/29 SS Schick Hydro Silk Razor or Refill, $2 off any (exp 9/9/12)
7/29 SS Schick Hydro Shave Gel, $.75 off any (xp 9/9/12)
7/29 SS Schick Hydro 3 or Schick Hydro 5 Refills, $2 off any (exp 9/9/12)
7/22 SS Schick Quattro For Women Disposable Razor Pack $2 off any (exp 9/2/12)SoftSoap body wash - BOGO at $4.49Speedstick, Lady Speedstick - $1.99 (monthly)W (Nice) paper lunch bag, plastic cups (20 ct), aluminum foil, or Sunny Smile paper plates - $.99 (bonus buy)Visine A Eye Drops (.5 oz) - Buy Zyrtec 24 hour (10 mg) liquid gel (40 ct) or (45 ct) tablets get Visine A Eye Drops - WIC 506256 free (bonus buy)
Fillers - these are all in a wrap-aroundWexford folder 2 pocket - $.09Wexford #2 pencils (8 ct) - $.39Wexford 1 subject notebook (60 or 70 sheet) - $.49PaperMate colors highlighters (6 ct) - $.49Wexford comp book (80 sheet) - $.59Wexford filler paper (280 sheet) - $1.99Pilot G2 pen (2 ct) black, red, blue or bold black - $1.99Elmers purple school glue (6 ct) - $2.49delftgirl's list. Rep hereCheap fillers (If you use a coupon, it is not a filler for attaching a RR)
.09 Wexford 2 Pocket folder
.29 Paper Mate Pens or Mechanical Pencils 5 pack Write Bros Mechanical Pencils, 10 pack Pens
.39 No. 2 Pencils Wexford 8 pack
.49 1 Subject Notebook Wexford or Penway Wide or College Ruled, 60 or 70 sheets
.49 Paper Mate Highlighters 6 pack
.59 Composition Book Wexford or Penway 80 sheets
.69 School Supplies Plastic Supplies Box, 12 pack Penway Colored Pencils
.99 Crayola Markers, 10 pack, Crayons, 24 pack
.99 Notebook or Facial Tissue Wexford 3 Subject Notebook, 120 sheets; Kleenex Facial Tissue, 24, 70, or 100 sheets
Kleenex $.50/3 50ct+ boxes or $.50/1 bundle pack ets (8/12/12) SS 7/8/12
Kleenex $.50/3 50ct+ boxes or $.50/1 bundle pack ets (9/23/12) SS 8/12/12
.99 Nice! Olives 5 or 6 oz.
.99 5 Tab Index Divider with Pockets Wexford
.99 Liquid Paper Correction Pen, Correction Fluid 8 oz.
.99 One Dozen Grade A Large Eggs (can count as a filler, but cannot be purchased with RRs)With Weekly IVC:
.19 Highlighter Wexford #1718
.34 (3/$1) Nice! Gelatin Regular or Sugar Free #1710
.39 Wrigleys 5 or Orbit 6 pieces #1708
.39 Pencil Sharpener Wexford #1717
.49 Glue Sticks Wexford 3 pack #1719
.50 (8/$4) Friskies Cat Foos 5.5 oz. #1714
.59 Mars Candy 1.1 to 2.13 oz. #1700
.59 Starburst or Skittles 2.07 or 2.17 oz. #1704
.79 Gummy Candy Black Forest, Haribo or Trolli 4.25 to 5 oz. #1712
.79 Chicken of the Sea Chunk Light Tuna 8 oz. #1713
.79 Paper Mate Profile Retractable Pen 2 pack #1716

Thank you in advance for responding with your advice.I am unsure of how much auto, home, and umbrella insurance I should carry. I am a doctor, my wife is an attorney and we have about $6,000,000 in assets. We both carry malpractice insurance and every other policy that is needed to protect ourselves at work. We have two kids in college who are fully dependent on us, one kid is on his own auto policy and has a renters policy for his college apartment (it is a requirement - I know he is technically covers under our homeowner policy). We have four vehicles if that matters. We both carry pretty hefty life insurance policies $1M +. What I am confused about is how much liability coverage is necessary/recommended to protect ourselves as we are getting near the age of retirement. What are your recommendations?

As lots off kids heading back to college soon, great time to stock up. Ladies have a big selection of MLB also.
Combine with current 30% off code and FS for up to 80% offMensFor the Ladies

Thank you in advance for responding with your advice.I am unsure of how much auto, home, and umbrella insurance I should carry. I am a doctor, my wife is an attorney and we have about $6,000,000 in assets. We both carry malpractice insurance and every other policy that is needed to protect ourselves at work. We have two kids in college who are fully dependent on us, one kid is on his own auto policy and has a renters policy for his college apartment (it is a requirement - I know he is technically covers under our homeowner policy). We have four vehicles if that matters. We both carry pretty hefty life insurance policies $1M +. What I am confused about is how much liability coverage is necessary to protect ourselves as we are getting near the age of retirement. What are your recommendations?

Long story guys, but I'll try to make it short. I'm sure some of you will say "pay your bills deadbeat". Get that off your chest if you need to say it but I'd appreciate anyone's thoughts.8 years ago I bought a home. I was renting it at the time and the guy made me an offer to buy it. It was a great house so I went to the bank to see if they'd approve me. Surprisingly, they did and so I bought it. At the time, I was in college and working. Bringing home about 1600/month. This was mistake #1.Few years later, I apply for a 2nd on the home to do some remodeling. Again I'm approved. At this point I'm still in college and bringing home about 1800/month. Mistake #2I know I should have never applied for, much less been approved for either of these loans. The bank shouldn't have ever lent me the money. Too late for that though. So over the years I missed payments on the house, was almost foreclosed on, and wrecked my credit. The bank that had the 2nd froze the line of credit when home values tanked. My credit was already trashed and I really couldn't afford the 2nd anyway so I quit paying it. Currently I have someone that wants to buy the house but the payoff on the 1st(principal, uncollected interest,past due payments, fees, etc) is much higher than I expected. I spoke to the lien holder a week ago and was told I owed 93k. Payoff came in at 115. Then there's the 2nd, and realtor commissions. Needless to say, I'd owe 25k+ at closing. When I found this out, I told them I couldn't bring that kind of cash to closing. The buyer's realtor is threatening to sue for lost commission and the buyer is threatening to sue for breach of contract. Do either of them have a leg to stand on? I made all of the repairs that were required from the inspection and went out and found a new place to live. I didn't know or expect any of this to blow up like it has. I just want the house gone and if the 1st lien holder would waive all of the additional fees and what not then I'd be able to close the loan and be done with it. Does anyone know if that's something the lien holder might do and how to get them to? I just want this resolved and over with. Help.

Amaz0n linky

Target DORM Dealsrun 8/12-18Emerson 4.5cut Ft Refrigerator $99Sunbeam .9 cu ft Microwave 900watt $44Fast Dry Bath Towels $4Room Essentials Futon w/storage drawers $99B&D Single Serve Coffeemaker w/Travel Mug $19SunBeam Panini Maker $19Standard/Qu Pillows $3.5070qt clear Sterlite Storage Totes $8.99Dirt Devil Vacuum $35 w/Hepa Filter and on board tools8 Pack WashCloths/Hand Towels $4Digital Bath Scale Taylor Brand $15 (led or glass styles)Shower Curtains $9
Plastic/Metal Bath Totes $9

I'm a single mom in mid thirties. I've been working very hard and been saving money for my beautiful daughter's college and future plans.
Unfortunately, I've made a very bad choice and is trying very hard to resolve this situation but I'm very new to this field and I'm looking for any resolute solution. Thank you in advance.

Back in January, a good friend of mine for 20+ years asked me to borrow money for a few days for her uncle. I transferred $120k to his account, half by money order and other half by wire transfer. Some days passed on and she said she'd pay back as soon as she gets money back from her uncle.
But their relationship soured and she was kicked out of her place. (She used to work for him) Now she says she'll pay back but there is no time-table and I'm devastated. I borrowed the money from bank for my business and I never thought this would happen and that's my fault for being careless but I would like to know if I can go after her uncle legally. He thinks the money is his because he thinks my friend wrongfully used his company's money while she was working there... Although I transferred to his bank account, Unfortunately I don't have any documents showing legal bonding between him and I.I know I wrote bit hysterically but that's my state of mind at this time.. Any help or guidance would be greatly appreciated.

This isn't my usual style, but here goes.I'm fairly low debt. I have 1 car payment and a mortgage...that's it. The car and house both will be paid off in 4 years at my current payment rate (prepaying the mortgage since rates on bank accounts suck...no sense in saving extra if it costs in the long run.)I've seen quite a few houses that I'd like to buy, fix and rent out, but there are a few issues.1. I'm not a risk taker with money. I want a reasonable expectation that I will at least break even.2. The properties are CHEAP (less than 50k)...as in I can't get a mortgage on them...so I'd have to pull into my savings or get an equity line on my house.3. By the time I pay off my debt, I'll have a kid in college (hopefully).....An example property I'm looking at is for sale for $21,000. 2BR, 1 bath in a decent neighborhood. The house is right behind a church and is on a 1/2 acre lot. I think I can get $450-500 a month rent, but it needs $5000 in repairs. Does this make sense to do? Would you stop pre-paying a mortgage to buy something like this?

Recently lost my job on relocation to Houston for my wife. I have been in insurance the last 6 years and have grown a bit tired of it and I am thinking about going to the IT field. This was what I originally wanted to do when I graduated in 2002 but with the dotcom crash I landed where I could find a job.My college degree is in marketing but I have a lot of personal history with building my own computers and troubleshooting friends/family. Given that I don't have any formal experience is there any certification that could help me stand out?Thanks.

Staples Ad for the Week of 8/12 - 8/18Coupon: $5/50 off your purchase or more, exclusions may apply. Valid 8/12-8/18
Front page:10 with $5 minimum purchase
Staples Composition book, 100 sheets
Black and white wide ruled
Black and white college ruled
Assorted colors wide ruled
Assorted colors graph ruledLimit 3 per customer. While supplies last. Assortment varies in-store and online. Free After Easy Rebate
Zebra Z-Grip retractable ballpoint pens, medium, black 7/pack
$4 - $4 easy rebate = FREE
Limit 1 rebate per household. In store only. While supplies last. Plus tax where applicable.25
Staples #2 yellow pencils
Reg price $1
Limit 2 per customer. In store only. While Supplies last.50
Staples slider pencil case, assorted colors
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Staples dual size pencil sharpner
Reg price $2.29
Limit 2 per customer. In store only. While supplies last50
Lucky 2 oz. Hand Sanitizer
Reg price 99
Original or aloe
Limit 6 of each per customer.
In store only. While supplies last.$1 After Easy Rebate
HammerMill 8.5X11 Copy Plus copy paper, 500 sheets
$6.99 - $5.99 Easy Rebate = $1
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Texas Insturments T1-84
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Pink, Blue, Silver and Black$199
Nexus7 from Google
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8 GB storage
Android 4.1 Jelly Bean$5.99
8GB SanDisk Cruizer Glide Flash Drive
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16 GB SanDisk Cruizer flash drive
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Paper Clip ball 175/pack
Reg price $2$1 after Easy Rebate
HP Everyday 4X6 photo paper gloss 100 per pack
$9.99-$8.99 easy rebate = $1
Limit 4 rebates per household$1
Rose Art colored pencils 15/pk$1
Staples Retractable ballpoint pens., medium black 4/pk$1
Staedtler compass$1
Staedtler protractor$2
Expo dry erase markers chisel tip, assorted 4/pk$2
Ticonderoga value pack erasers 15/pk$2
OOPS! retractable corection tape, 2/pack
Berry and green, Blue and gray
Limit 2 total per customer$2
Energize-X mechanical pencis, 3/pk
Limit 2 total per customer$2
Purell original $8 oz$3
Crayola dry erase markers or crayons$4
Ticonderoga #2 presharpened pencils 18/pk$5
Bic BU3 retractable ballpoint pens, medium 18/pk
Black or assorted$6
Sharpie permanent markers assorted 12/pk
fine or ultra fine$6
Sharpie Stained fabric markers, assorted 8/pk Page 3Recycle your old binder. Save an additional $2 instantly on the purchase of a new binder for each old one you recycle.
Last week to recycle! Ends 8/18/12$1
Scotch Magic gem tape 3/4X250$1
Staples fat book
5.5X4.25, 200 sheets$1
Writing pad 5"X8"$1
Mini writing pads
3.5"X5.25 3/pk$2
Staples 5" scissors$1
Staples 3"X5" memo books
75 sheets 5/plk$2
Scotch shipping tape with dispenser 2"X800"$2
Staples mini hole punch$2
Scotch Super Glue with precision applicator .14 oz$3
Pilot B2P retractable ballpoint pens, medium 5/pk$3
Studio C by Carolina Pad 1 subject notebook or composition book assorted patterns$3
Staples CD/DVD envelopes white, 50/pk$4
Puffs facial tissues, 3 boxes 200 sheets/box$5
2013 Staples academic monthly desk pad$6
Bounty Basic paper towels 8/pk$6 Staples letter/legal file box with hinged lid
black, blue or clearPage 430% off all Pilot G2 Writing Instruments. Excludes clearance. Assorted SKUsSave $5 on all very laser full-sheet labels after easy rebate
Reg price $4.99-$64.99
Assorted SKUs
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Excludes clearance items.Free Arc 8.5"X5.5" poly cover notebook when you buy any Arc notebookBuy 1 get 1 free on all Trend, Spectrum and Carson Dellosa educational products
Reg. price 2.99-$29.99$3
Post-it flags or filing tabs25% off all lunch bags and accessories. Other HighlightsBuy 2 get 1 Free instantly on any 5 or 10 ream case of paper
In store only. Assorted SKUs. No limit. Valid on any SKU of equal or lesser value. Eludes clearance items. Plus tax where applicable.Last week to save.
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Rings as 1 and an instant coupon will discount this to FREEGet a $20 Visa prepaid card after easy rebate when you purchase 2 of the same HP toners. Limit 2 rebates per household.
Multipacks count as 1 toner.Lots more stuff but those seem to be the highlights. ad will be up online on Thursday at www.staples.com after 10AM ET
thx tsualumn93/sd
Staples Coupons

Have 2 kids - 9 and 6.Five years ago, for my 9yr old, I started a Coverdell ESA (and still am making $100 monthly contributions) and have about 8k in there with a total unrealized gain of 21.76% as of right now - crazy.Recently for diversification, I opened a 529 for each of them contributing monthly $100 - they each have about 2k.So, that's $300 monthly going out for education + 7% going to my 401k (no IRAs currently).We stand to win a sizeable amount from a lawsuit (I posted about that a few weeks ago here). Each of the kids will have their own claim. Optimistically after attorney's fees and medical bills, the 9yr old will have 10-15k and the 6yr old will have 25-35k. I plan on putting over 95% of that in a fund for college.My wife's claim will be into high 6 or maybe even 7 digits. From this amount, we'll pay off all our debt, except maybe our mortgage which is $1400. We have 11 yrs left on it and have maybe 90k in equity.I'm trying to decide whether I should stop contributing and use that money for day to day expenses(because money is tight) and to build up our savings account, or to continue to contribute to the education accounts. I don't expect the big lawsuit to end for 18 months due to continuing medical. The kids' may end within the next 6 - 8 months.My plan has never been to fully fund their education, but to give them a boost.

Just came back from being away and had a replacement 529 College Rewards card in the mail It now says World Matercard. Completely different card number, and my old card was not expiringI have not seen any notification from Fidelity. Do not see any obvious changes in benefits. Card still appears on FIA web site. Back of card still references FIAAnyone have any insights?

Save $15 and show your college spirit for current students, alums and fans with this snap-on case for your iPhone 4 and 4S. Choose from 8 schools.USC Trojans
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At $107, w/ $5.43 shipping, this refurb unit is almost $40 cheaper than direct from Monsoon Media. Monsoon is offering refurbs direct for $139 w/ $13 ground shipping. http://www.tigerdirect.com/applic...CatId=4669The unit is similar to Slingbox and comes w/ a built-in DVR. You also have the option to add a large SD card, or external USB disk to record 100's of hours of shows. There is also a free app on Android Market which is great since Sling charges $30 for their app.The Lava unit has good reviews and one advantage the Lava has over Slingbox is it has a built-in WiFi adapter so you don't need to run network cable like the Slingbox. Considering the slingbox is double the price, has quality issues (bad capacitors) where new units die around a year, and are not usually covered by warranty, how can you go wrong w/ this option.The Lava streams in SD quality and they say near-HD, but for my kid in college, SD will be fine.
TigerDirect.com Coupons

This forum has been an amazing resource, thanks for taking your time to look at my situation! Sorry for being so overly detailed, I have organized to make it easy to see/comment on specifics. *****Going into the military*****
As the title indicates, Im a 29yr old male enlisting into the Navy. I am older than most going in, as most ppl in my age range tend to be marrying and popping out kids. I have a serious relationship but no marriage/kids. I am going into the Intelligence/Cryptology field (CTT). I am very excited about the whole upcoming experience and getting into the field. I was originally interested in going nuke, but I am past the cut off age. I will be going in as an E-3(several years of technical college). I am looking to save as much money possible, yet I am curious as to what FW thinks would be the best approach.*****MONEY*****
Going in as an E-3 my gross is looking to be around 1,757$ a month. I feel like a little kid at the adult table compared to many six figure problems posts I have come across! Im looking to spend as little as possible on frivolous expenses. Should I dump as much as possible into a 401k or look into other types of investing? I recently saw a post from an individual who recently left the military with 200/300k saved up. That is amazing but if it is just sitting in a low yield savings account or worse..that almost seems like a waste. Also, my training is in FL. Can I change my Residency to FL and be free of state income tax?*****DEBT*****
I WAS in a bad spot. Thinking with the wrong head, I let my previous gf who lived with me have access to my credit cards and banking account. I was making 80kish in sales at the time and did not pay attention. Simply, when things went south I had nearly 30k in credit card/loans/bills with my name on it, and I lost my job. That was two years ago and I am now debt free aside from 1,800 in student loans. This experience has left me absolutely terrified of ever getting into debt again. Even future student loans, mortgages and car notes have me terrified. Going in to service, what would be some best practices to keep from slipping into that again?
****Current Finances****
I left my most recent employer Aug 1st, I was making 45k(I left early to spend time with family before I leave, several family members are dying). I feel like I focused too much on paying off debt and did not really save as much as I wanted. I have around 1,000$ in my checking account. I am staying with family until I ship (sept) so my expenses are less than 200$ a month. I have around 3,000$ in a 401k that I intend to roll over from my previous employer. I have a 2008 Ninja zx10 sport bike and a 1999 Hyundai Elantra that are both paid for. Sadly, this is the extent to what I have. I have sold off most material possessions/vehicles to clear debt and prepare for service. Should I sell the sport bike?(dangerous but reliable) I feel like at my age I should have a MUCH more in-depth financial portfolio. ****Credit Cards / Credit****
Capital One MasterCard 2k limit/0 used Chase Visa 3k limit/ 0 used Target Visa 500 limit/0 used Discover More 3,250 limit/ 100~ used, paid off monthly Lowes Card 2,300 limit / 800 used, minimum paid monthly(my father uses this)
Experian: 710(Discover Card) Trans Union 720(Credit Karma) About 1500$ of paid off CCs hasnt showed up yetAfter I got my Discover card, Im looking to convert all my cards into Cash Back cards...eventually. I really want the US Bank Cash + Visa Signature and the PenFed for gas but I dont think my current credit profile is strong enough. Looking to add the Chase Freedom, AMEX Blue Cash Everyday(maybe the Preferred later on) and possibly the BOA Cash Back card. I have received mailers for both AMEX and BOA. Should I continue to add new reward cards and haggle with current card lenders to increase my limits? Possible to convert existing CCs to CB CCs? Is this a waste of time? Should I do an app o rama and try for them all before I ship?

****FutureCareer and Financially****
Im going into this with the attitude that Im going to be a lifer, even if Im not. I have read that having a TS clearance can be a big plus especially with contractors. I want to take advantage of the education benefits and at least get a bachelors if I dont make it a career. If I am able to pursue higher education, would it be beneficial to look into becoming an officer or should I look towards the private sector? While I"m in should I be more focused on investing or saving? Or other?
tl;dr 29yr old going into naval intelligence, looking to maximize finances and make the most of my resources.

OfficeMax Back to School REGIONAL 8/5-11: 5 free composition books with addtl $5 purchase; $.05 ruler; $.25 junior scissors, etc.
FREE COMPOSITION BOOK*
2228-1175/2228-1166/2228-1157/2327-2986/2327-2968/2327-2940/2327-2851
Up to 5 FREE after $5 minimum purchase, before taxes, per household.
Additional items at regular price. Excludes Max Value items. Up to a $5 value.
*While supplies last. Available on OfficeMax.com with online promo code BTSDEAL (code is case-sensitive and must be entered in all caps).12" Ring Binder Ruler*
MAX VALUE
5
#2121-5524
First 3 at 5 each. Additional rulers 99 each.
*Available in store only. While supplies last.SCHOOLIO 1-Subject College- or Wide-Rule Notebook, 70 Sheets*
MAX VALUE
25
2228-5590/2228-3280
First 3 at 25 each. Additional notebooks 59 each.
*Available in store only. While supplies last.OfficeMax 4-oz. White Glue*
MAX VALUE
25
#2228-0611
First 2 at 25 each. Additional bottles 75 each.
*Available in store only. While supplies last.
++ OfficeMax has this glue for free with an additional $5 purchase thru 8/4
++ Office Depot has school glue for $0.01, limit 3 (8/5-11)
SCHOOLIO 1" or 1.5" Poly 3-Ring Binder
MAX VALUE
25
2228-0586/2228-0602
First 3 at 25 each. Additional binders $2 each.
*Available in store only. While supplies last.WESTCOTT 5" Junior Blunt or Pointed Scissors*
MAX VALUE
50
2004-8592/2004-8903
First 3 at 50 each. Additional scissors $1.59 each.
*Available in store only. While supplies last.PAPER MATE Pink Pearl Erasers, 3-Pack*
MAX VALUE
75
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First 2 at 75 each. Additional packs $2 each.
*Available in store only. While supplies last.PAPER MATE Profile Black or Assorted Retractable Ballpoint Pens, 4-Pack*
MAX VALUE
$1
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First 2 at $1 each. Additional packs $4 each.
Coupon Deals:Paper Mate Black Pearl Erasers (2-Pack) or White Pearl Erasers (3-Pack) $0.50, limit 3Sharpie Accent Assorted Liquid Pen-Style Highlighters (5-Pack) $1.00, limit 1Quartet EnduraGlide Black or Assorted Dry Erase Markers (4-Pack) $1.00, limit 2Avery Big Tab 5-Tab Clear or Multicolor Insert Dividers, $1.00, limit 3JUST BASICS Yellow #2 pencils (72-Pack) $2.00, limit 2OfficeMax 1-Subject Poly Notebook (college or wide ruled) $2.00, limit 2Select OfficeMax 20-lb Pastel or 24-lb Assorted Bright Ream (inkjet or laser) $3.00, limit 2Swingline 545 Stapler Value Pack (stapler, Staples, staple remover) $6, limit 2
OfficeMax Coupons

Instore Deals - Possibly Online aswell - Starts 8/5 until 8/11$0.01 w/ $5 purchase: Limit 5 Staples Filler Paper - College Ruled - (772966)
Staples Filler Paper - Wide Ruled - (772968)
Staples Filler Paper - Graph Ruled - (50965)After Rebate: Post-It 2" x 3" Multiuse Labels - FREE - $2.99 easy rebate (Assorted SKUs) - Limit 1
Hammermill Paper - 500 Sheets - $1 after $5.99 easy rebate (122408) - Limit 2
Staples Photo Paper - $1.00 after $8.99 easy Rebate (648177) - Limit 4$1 or Less: Bic Wite-Out - 2 Pack $0.50 - (781671)
Bic Dry Erase Markers - 4 Pack $1 - (650249)
Sharpie Markers - 5 Pack - $1 - (303628)
Papermate 0.7,, Mechanical Pencils - 5 Pack - $0.50 - (710152)
Staples Mini Books - 2 Pack - $0.25 - (658961)
Pental Hi-Polumer Erasers - 3Pack - $0.25 - (253203)
Pencil Case Box - $0.50 - (825885)
Crayola Markers - 10 Pack - $0.75 - (381809 / 860124)
Bic Velocity Gen Pen - 2 Pack - $0.25 (650241)
Simply Poly Binder - $0.75 (509582 / 563453)
2 Pack Scissors - $1.00 (738401 / 483539)Thanks desimillionaire at SD.
Staples Coupons

We ♥ Wednesdays: 4 amazing markdowns for the college gal!XL Duffel - $49.99
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Vera Bradley Coupons

We ♥ Wednesdays: 4 amazing markdowns for the college gal!XL Duffel - $49.99
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Vera Bradley Coupons

Before we met, my wife had attempted to go to college. She went to a private school that costs WAY too much (religious college). Her last semester, she could not get enough financial aid to cover the tuition. She never paid it.Fast forward to now... $10,000 in collections, and they're threatening to sue. I do not have the money to settle with them.1. Can they sue me/us? Also, if they can only go after her, would it be a good idea to have a checking account with only my name on it? She is a stay at home mother, and brings in no income.2. Is there a way to fight this? The wording isn't exact but her student handbook from the college says if the balance isn't paid by the first day of classes, your schedule will be dropped. They definitely didn't follow through with that.3. It's a private college, so as I understand it she can file bankruptcy and get rid of a judgement based on this debt. If she filed, would it consider my income in the decision?4. Any other steps I should take, or things I should know?I expect at least one reply of "pay your bills deadbeat!"

I've waiting a couple of weeks since the incident so that it's no longer as newsworthy and hopefully doesn't come up as quickly in the search engines, but...So I own a rental property near a college. It's a cool neighborhood, but they've had some issues with crime in the last several years. We had 4 nice grad students living there, good kids, always paid on time, took care of the place; a good situation. We just signed a lease renewal for another year.And then two days after we signed, some dufus student stays up all night getting ready for exams, gets loaded up on amphetimines and whatever else, goes out for a walk, comes back to the wrong house (my house) and can't get in. I have video at all 4 corners of the house, so you can see him getting more and more agitated and acting stranger and stranger until finally he picks up a stool from the front porch and busts out a window and climbs inside.The rest is according to my tenants, because I don't have video inside, obviously: My tenants at this point come running to the front of the house, open the front door, and try to get the guy to leave, but he doesn't... instead he runs to the back of the house and tries to break out *that* way, but can't figure out how to operate the door. He charges back to the front of the house, directly at my tenants, one of which, at this point, shoots him.Nice. The guy lived, but was in critical condition for awhile. I had to hire a "crime scene cleanup" company, at around $5,000, to get the blood and guts out of the house quickly. I have to have carpet replaced, the window replaced, etc. The insurance is covering this, and they're suing the at-fault student for the whole amount, so hopefully I'll recover my deductible.But the really bad part is my wonderful tenants no longer want to live there, and I can completly understand, so we're not going to fuss about the lease extension, they're moving out. The really, really bad part is that the rental market here is tied very much to the school year start, which I'm now going to miss owing to having to get all the repairs done before I can put it on the market.And the horrible part is that, because of the recent crime in this particular neighborhood (and the proximity to a local news station), my rental property was full color, front page news and on all the TV stations for several days because of the incident. A quick Google of the address still produces some lovely pictures of the property, with me putting plywood up in the window. We're going to take a pretty big hit in the rents, I'm guessing, when we finally get it rented.Given that I had an extension in hand, I feel (but do not know) that I probably have good recourse for lost rent, should I decide to try and go after this guy. Are there any particular steps I should take to preserve that option? I was thinking of having the tenants write a letter explaining that the decision to leave was 100% related to the incident. Anything else I should consider. I'm not sure it's worth going after this guy, and I haven't suffered any rental losses yet, so nothing to sue for yet, I'm just anticipating what could be an unhappy outcome for me.Your thoughts are appreciated!

I've seen a few saving for college threads lately, and with a 15 month old and a 1 month old, it's about time for me to start trying to develop my own plan. I think I'm ready to let the forum try to tear it to shreds.Background: - Me: 38. Wife: 35 (sorry, no pics)
- Wife is covered by a pension (teacher). I've been maxing my 401k for about the past 8 years, have about $200k currently.
- Debt: $250k mortgage, $25k student loan, both around 4%. No credit card debt. Student loan balance will be forgiven in 5 years.
- ~$75k in savings by the end of the year (should provide ample contingency for most "unexpected" expenses.
- ~$1,750 a month in "excess" income, plus about $8k annually in bonusesMy wife and I have decided that we'd like to be able to provide each of the girls enough cash to fund tuition to a state school for four years (about $10k currently, guessing about $25k/year when their ready), but maintain control of it in the future in case they join a motorcycle gang instead. So, we'll need about $200k in 18-21 years.I will be 55 when my first would enter college and 59 when my youngest leaves. My first thought was to fund IRAs, let them take loans in school and pay them off with the IRA (assuming my 401k and the wife's pension would be plenty for us to live on), but our combined income is about $160k, so we make too much to contribute to a deductible IRA or a Roth.Thought about 529's, but if the kids don't use the money, any earnings are subject to a 10% penalty.Then I started reading about "backdoor" Roths. http://www.dailyfinance.com/2012/04/16/how-to-sneak-into-a-roth-... Essentially, fund traditional IRAs with after-tax dollars, then the following year convert to a Roth. Repeat every year. With the money in Roths, it would be sheltered from the FAFSA (if it still exists), I could pull principal every year to pay tuition and the gains once I turn 59 1/2 (right after they leave school, so if they have loans, the interest would have been deferred). If I need the money for emergencies, I could pull it, since I don't expect to need it for retirement. Plus, the gains are tax-free at 59 1/2.This almost sounds too good to be true. Flexability, tax-free gains and the ability to withdrawal principal with no penalty. Am I missing something here?

http://www.amazon.com/Career-Manual-Yourself-Discover-ebook/dp/B...Amazon Kindle Bestseller!
Along the way, life gets in the way of our passions. We often give up on our passions in pursuit of a safe, comfortable life. The inherent problem with that direction is we have become extremely bored with life. We have reduced our working life to clocking in and clocking out. We are robots with a beating heart. You were born for something greater. It begins by looking deep inside to discover your God-given passions.Inside this book, you will discover:How to develop a Work Life Purpose Statement
The job satisfaction survey
How to uncover your natural strengths
How to discover your ideal work environment
4 ways life reveals our passions to us
How to choose the right career for you
Whether you are in college or currently considering a mid-career change, the exercises and strategies in this book will give you the confidence to really know yourself.Show More
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I recently got a job working as a private nurse, assisting with the family's need. The father pays me through his company.
I am working 35 hours a week, $20 an hour and i get pay bi-weekly. My bi-weekly paycheck should be $1400. However after all the tax withholding, its only down to $800. Tax withholding of over 40%.
Please advise, this is my first job ever and first paycheck. Here's my background: college student, dependent(my parents claim me under their tax return) , health insurance under my family plan).
My brother working at $10 an hour only gets approximately 17% tax on his salary. Mine is over 40%, is that a little high? is this normal? Thanks in advance.
PS: I am a newbie, first job ever, don't be harsh at me or at this stupid question.

My current situation is ...
I have zero debt (student loan, credit card debt, car/house mortgage, etc) - I am 25 and a fresh grad, but took time off in between to graduate with no loans/debts
I graduated in May 2012 and have been employed full time since then
My 'free money' every month after health insurance/tax/social security/rent/cell phone/utilities/other monthly payments (anything and everything that has to be paid monthly basically) is around $1400 - which are then spent on food, shopping, entertainment etc
I've been somewhat carefree with the money, and also paying for moving to new apartment (furniture, moving costs, etc.) since graduation but I feel that I really need to get a grip on my spending and hopefully save up a bit before I eventually go to grad school (hopefully in couple years)btw, my current job doesn't pay too well, but provides a good opportunity for my future plans (grad school)I currently have one credit card (mastercard) that I've had since my undergrad years, and this card has zero rewards (I pay this off in full every month)
and also have one checking account with BoAApart from my first ever credit card payment (I think it was back in 2008... ), I've never missed a payment date - for my credit card or other payments, but do not know my current credit score (is there a way to do this for free?)
What should I do with the surplus money every month? Right now, I'm just letting it sit in my checking account (although there's not a lot)
Savings account? Maybe apply for credit cards with better rewards program? Stocks? Bonds?
I've done some research around the internet but most of the strategies seem to be geared towards 1. Getting out of debt (which I am not)
2. Investing when you have lots and lots of money (which I am also not)what would be the best strategy for some money-padding for someone who's just starting out like me ? I'd appreciate any advice you can give me!

I guess its a good predicament to be in, however now I don't know what I am saving for.Graduated college about 10 years ago, bought a condo at the peak on 05' , lost 35% on that ... in order to pay my way out (no I did not walk away from my obligations), I started my own business. Eventually, my employer found out, and fired me .. which turned out to be the best possible thing. I now make between $250 - 325k per year ... but, all I do is save money. I mean, I eat out alot, see friends, bought a nice car, live in a nice place ... but now what? My goal has always been to "save more" ... my goal was to save $100k, then 200k, then 500k ... I am now 30 years old, girlfriend, not married, no kids, with a dog, and rent (not sure where I want to settle down, so I haven't purchased another home after being burned last time). I have about $550k in savings , plus another $125k in IRA's. What should I be doing with this money?Right now I just put it in the highest yields I can find, and eventally I would like to find some investment properties which I can buy cash to make returns of 8-15%, but those are hard to find in this area.I guess I just don't know what I am saving for anymore. The catch is, the industry in which my self-employed biz is in, could go under at any time, and is always adjusting. I have made salaries of over 200k for 3 straight years, but I might make 0 in 5 years .. so in some senses, I feel like I should continue to work as hard as I can now, because who knows if it'll be there in the future. But then I think about that, and when is enough enough, when should I start going on vacations and stop worrying so much about the future, or take some of that money and put it to work for me...thoughts?

I am 41 years old(spouse is 37), have Group insurance through employer and am researching for best option to get life insurance for myself. I need about 1M policy(spouse does not work). I have 2 kids and am hoping they will go to college in about 6-10 years. I am open to considering term, universal or whole life. I have researched this topic and am generally familiar with the process. I was diagnosed Type 2 diabetic about 7 years ago and the root cause was obesity. After trying to manage diabetes with medicines for several years, I realized that I needed to make lifestyle change to overcome this disease. Over last six months I have radically changed my lifestyle(eating, exercise etc.) and am about to reach normal weight, plus all my test results are comparable to a healthy person. I am confident that I will be able to manage this lifestyle in long run.My questions are -
1. Should I wait for some more time(like 6 more months) before applying for life insurance as I do not have long enough health improvement history(i.e. my test results have only shown improvement for last 6 months) ?
2. I understand the general rationale of staying away from anything but term life. In my case, is it worth considering other types of insurance (specifically whole life) given that I can use a loan from that money for college ? I am not an aggressive investor - i.e. I do not actively manage my funds on monthly basis and hence may not be able to get a very good return if investing on my own.Thanks in advance.

1. Borrow $17,000
2. Pay a little back over a few decades
3. File Chap 13
4. Profit!
Details: Debtor borrowed $16,900 twenty five years ago to attend Canisius College and made minimal payments over the years. Debtor is now 64 years old, making $11/hour and just received notice of an impending layoff. She previously received $25k from her parents but used money only for their support and did not pay off any debt. She was offered an income based repayment plan that would wipe out the balance at the end but she declined and filed BK (Chap13). Court said these facts satisfy the Brunner Test and discharged the student loan. The floodgates are officially "open". Documents
Court Website:
http://www.nywb.uscourts.gov/in_re_donna_bene_03-14328k_ap08-116...pdf of actual Decision:
http://www.nywb.uscourts.gov/files/48176/BENE-O&O.pdf

http://community.remingtoncollege.edu/reaches_out/cuts_for_kids....The 4-1-1 on Cuts For KidsWho: any child under 17
What: complimentary haircuts!
When: the two weeks prior to start of school (see schedule below for exact dates)
How: See our list of participating campuses below to see if there's one near you. Appointments are recommended but not necessary - first come, first serve!
Locations:Remington College - Baton Rouge Campus:
Next Dates: 7/23/12-8/3/12
Phone: 225.291.4660
Review our Baton Rouge salon on Yelp! Remington College - Cleveland Campus:
Next Dates: 8/7/12-8/18/12
Phone: 216.584.2490
Review our Cleveland salon on Yelp! Remington College - Columbia Campus:
Next Dates: 8/6/12-8/18/12
Phone: 803.214.9090
Review our Columbia salon on Yelp! Remington College - Dallas Campus:
Next Dates: 8/14/12-8/25/12
Phone: 972.698.3890
Review our Dallas salon on Yelp! Remington College - Honolulu Campus:
Next Dates: 7/10/12-7/13/12 & 7/24/12-7/28/12
Phone: 808-587-8448
Review our Honolulu salon on Yelp! Remington College - Houston Campus:
Next Dates: 8/13/12-8/24/12
Phone: 281.597.1000
Review our Houston salon on Yelp! Remington College - Houston Southeast Campus:
Next Dates: 8/14/12-8/25/12
Phone: 281.554.1790
Review our Houston Southeast salon on Yelp!
Remington College - Lafayette Campus:
Next Dates: 8/6/12-8/17/12
Phone: 337.984.9490Remington College - Memphis Campus:
Next Dates: 7/23/12-8/4/12
Phone: 901.396.8625
Review our Memphis salon on Yelp! Remington College - Mobile Campus:
Next Dates: 7/30/12-8/10/12
Phone: 877.305.4202
Review our Mobile salon on Yelp! Remington College - Nashville Campus:
Next Dates: 7/9/12-7/13/12 & 7/23/12-7/27/12
Phone: 615.493.9390
Review our Nashville salon on Yelp! Remington College - North Houston Campus:
Next Dates: 8/13/12-8/25/12
Phone: 281.885.4490Remington College - Tampa Campus:
Next Dates: 8/6/12-8/18/12
Phone: 813.316.4470
Review our Tampa salon on

http://community.remingtoncollege.edu/reaches_out/cuts_for_kids....The 4-1-1 on Cuts For KidsWho: any child under 17
What: complimentary haircuts!
When: the two weeks prior to start of school (see schedule below for exact dates)
How: See our list of participating campuses below to see if there's one near you. Appointments are recommended but not necessary - first come, first serve!
Locations:Remington College - Baton Rouge Campus:
Next Dates: 7/23/12-8/3/12
Phone: 225.291.4660
Review our Baton Rouge salon on Yelp! Remington College - Cleveland Campus:
Next Dates: 8/7/12-8/18/12
Phone: 216.584.2490
Review our Cleveland salon on Yelp! Remington College - Columbia Campus:
Next Dates: 8/6/12-8/18/12
Phone: 803.214.9090
Review our Columbia salon on Yelp! Remington College - Dallas Campus:
Next Dates: 8/14/12-8/25/12
Phone: 972.698.3890
Review our Dallas salon on Yelp! Remington College - Honolulu Campus:
Next Dates: 7/10/12-7/13/12 & 7/24/12-7/28/12
Phone: 808-587-8448
Review our Honolulu salon on Yelp! Remington College - Houston Campus:
Next Dates: 8/13/12-8/24/12
Phone: 281.597.1000
Review our Houston salon on Yelp! Remington College - Houston Southeast Campus:
Next Dates: 8/14/12-8/25/12
Phone: 281.554.1790
Review our Houston Southeast salon on Yelp!
Remington College - Lafayette Campus:
Next Dates: 8/6/12-8/17/12
Phone: 337.984.9490Remington College - Memphis Campus:
Next Dates: 7/23/12-8/4/12
Phone: 901.396.8625
Review our Memphis salon on Yelp! Remington College - Mobile Campus:
Next Dates: 7/30/12-8/10/12
Phone: 877.305.4202
Review our Mobile salon on Yelp! Remington College - Nashville Campus:
Next Dates: 7/9/12-7/13/12 & 7/23/12-7/27/12
Phone: 615.493.9390
Review our Nashville salon on Yelp! Remington College - North Houston Campus:
Next Dates: 8/13/12-8/25/12
Phone: 281.885.4490Remington College - Tampa Campus:
Next Dates: 8/6/12-8/18/12
Phone: 813.316.4470
Review our Tampa salon on

http://www.newegg.com/Product/Product.aspx?Item=N82E16832105977Adobe Lightroom 4.0 Student and Teacher
$20 off w/ promo code BTS977, limited offerIf you qualify this is the lowest price in over a month and the last deal I saw was $64.99 shipped. This deal works out to $59.99 shipped. Plus Newegg.com CashBack!Eligible persons include:
University and college students - students enrolled at a higher education institution defined as an accredited public or private university or college (including community, junior, or vocational college) that grants degrees requiring not less than the equivalent of two years of full-time study
Primary and secondary school students - students enrolled at an accredited public or private primary or secondary school providing full-time instruction
Faculty and staff - teachers and staff employed by an accredited primary or secondary school, public or private university or college, school district, or board of education (including
emeritus status professors)
Homeschooled students and their teachers - students and teachers as defined by state homeschooling regulations

I was a huge geek in high school who was addicted to the computer so naturally I joined the university as a comp engineering major. I realized that my studying habits from high school were horrible so I struggled. I did enough to graduate with an industrial engineering degree but I really did not retain much of the information. I just crammed for exams enough to pass and fulfill credits. I don't have much interest working in an engineering field. I am using the engineering degree that I graduated as a signal for other jobs (because an engineering degree gives positive signals even though I may not possess some of them). I graduated with the degree and I talk about it during my interviews, but I spent a lot of time cramming the material and not fully committing them to memory. College was a mostly a big waste for me in terms of learning, I just wanted to get some kind of degree. Should I feel like I'm being dishonest to a prospective employer as I highlight analytical and quantitative skills gained from this engineering degree even though I don't really think it helped? The companies that I'm targeting really like engineering degree holders, but none of the work they do is engineering related. How much will not remembering or learning much from undergrad hurt me?

Target BTS Deals 7/22-28 $0.20 Pencil Sharpeners. $1 Two Dzn Pencils/96ct Construction Paper/2 ct Kids Scissors, $9 TI TI-30XIIS Calc, Jartop Backpack/Lunch Kit Combo $22 MOREItems in order of price (low to high)20c 2 Ct Erasers or 1ct Pencil Sharpener49c 100ct Ruled Indx Cards or Vinyl Pouch for pencils or pencils box99c 6ct Elmers School Glue Sticks or 8ct Bic Mechanical Pencils99c Select Mead Folders/Compos. Books/Notebooks or 12 ct Crayola Colored Pencils$1 24ct #2 Pencils/40 Sheet Sketch-Draw /90ct Construction Paper$1.50 100ct wide or college rule filler paper$2 3 pack of Target Brand 3/4 Inv. Tape, or 400ct 3x3 sticky notes cube$3 400ct Printer Paper/3 Subject Notebooks/1.5" Binder w/tabs and dividers and bonus ruler (all Up and Up brand)$9 Texas Ins. TI30X IIS Scientific Calc. Five Color choices (no rain checks)
$22 Embark Jartop Backpack w/FREE $9.99 Embark Lunch Kit (approx 8 styles to choose from, no rainchecks)

http://www.amazon.com/The-College-Solution-Everyone-ebook/dp/B00...Book Description
Publication Date:April 23, 2012
This bestseller has been completely updated to provide you with the answers that you need to find wonderful colleges and universities at more affordable prices. The second edition of The College Solution, which contains approximately 90% new material, is aimed at helping parents and teenagers become empowered consumers as they navigate through the college process. Billions of dollars are available to pay for college, but not everybody gets their share. It's not always the families with the brightest students or the parents who are struggling financially who receive the most money. The College Solution shares the secrets of how you can capture some of this money for your own family. The book provides advice on such topics as financial aid, merit scholarships, athletic scholarships, admission hooks, the important differences between colleges and universities, college rankings, the best student loans and the latest online tools to evaluate the generosity of schools. OShaughnessy presents an easy-to-use, proven road map for getting past the ratings, and finding the right schools at the right price. No other book offers this much practical guidance on choosing and paying for college now and no other book will save you as much money!
Amazon Coupons

Free Shipping ... has good reviews. College kid wants 26", but this size class is stingy with the deals! Any thoughts on Vizio or refurb?
Don't flame me if a repost, I searched a couple different ways and didn't see this daily deal posted.Refurb Vizio 26" 1080p
Newegg Coupons

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Please take a look at my numbers and provide inputs:Debts:HEL: Owe around 100K @ 1.99 for 5x years, payments are approximately 1800.00; however I round it off to 2K's per month. Home is valued at around 132K (as per value assessed on last HEL)
CC: 14K and 19K in two different cards; both @ 0.00 APR until JAN 2013. I'm hoping to roll this over to another 0.00 APR BT next year.
Vehicle Loan: 25K @ 1.49 APR for 5x years, payments approximately 700.00 (I also pay 50.00 to 100.00 extra per month)Investments:IRA: balance 60K, max it every year (5K)
Mutual Funds: balance 58K (I invest automatically 300.00 per month to it)
Stocks: balance 38K (Automatic purchase for 500.00 per month)Education Expenses:College education: Its costing me around 5K per quarter for one of my kids.
College Apartment Lease: Pay 600.00 per month plus another 500.00 per month for groceries and gas for the same kid.House Expenses:Internet, Electricity, Water, Sewer, Satellite TV. All of this sums up around 450.00 per month. All of it is pay automatically by webpay through my bank.Earnings: Around 7500.00 after taxes and deductions. I own a house free and clear, value is around 100K. Job is secured and earnings will stay around the same for the next three years. After these three years, I'm planing to get a pension and look for something else thereafter.FICO: Range among all three bureaus is 780.
Any suggestions?Thanks

CORPORATE ANGEL NETWORK arranges FREE air transportation for cancer patients traveling to treatment using the empty seats on corporate jets flying on routine business.
http://www.corpangelnetwork.org/
ELIGIBILITYCorporate Angel Network arranges free travel on corporate jets for cancer patients, bone marrow donors and bone marrow recipients, as long as they:1) Travel to or from an approved* cancer treatment center
2) Are able to walk up and down the steps to a private plane without assistance
3) Do not require oxygen, IV or any other form of life support during the flight BENEFITS
By taking a Corporate Angel flight, a patient:1) Saves the expense of commercial airline tickets
2) Avoids crowds in air terminals and on the aircraft
3) Is permitted to bring an adult companion; children can travel with two adults
4) Travels in comfort and ease, as often as necessary
HOW TO OBTAIN FREE AIR TRANSPORTATION: Call the Corporate Angel Network Toll-Free Patient Line at (866) 328-1313 to register within three weeks of a specific appointment at a recognized* cancer treatment center; or email us and provide a phone number where you can be reached.You must make back-up travel arrangements with the travel agency or airline of your choice, as we cannot guarantee we will find you a flight.We will immediately call you if and when we find a match.* Recognized cancer treatment centers are listed with the
American College of Surgeons
National Institutes of Health (NIH) - Listed By StateCorporate Angel Network
Westchester County Airport
One Loop Road
White Plains, NY 10604-1215
Toll-Free 1-866-328-1313
info@corpangelnetwork.org
SUPPORT GROUP USA - CANCER RESOURCES - REQUIRES U TO BE SIGNED ON TO YAHOO TO USE

I'm experiencing difficulty with liquidity and debt, as I complete college.I'm a senior, and I'll graduate as soon as December 2012 and no later than May 2013. I can't work more than a few hours per week, because I enroll full-time and the demands of classes are greater than ever. Fine Arts requires long hours in-the-studio; the capstone project will require many hours of library research; and I might opt for an internship by Spring 2013.ASSETS: I have a significant sum of cash, two used automobiles, semiliquid investments in peer-to-peer lending and fixed bonds
RECORDS: I'm a net creditor; I'm solvent; and I have an excellent record of credit.
LIABILITIES: I'm using credit cards for daily expenses; overall debt is increasing; credit utilization has increased and creditors have reduced lines.
IMPAIRMENTS: I'm disqualified for grants, subsidized loans and work-study positions for prior academic underperformance. With few classes remaining, requalifying is moot.Should I pay or transfer the credit card debt?
Should I apply for private loans?I'd appreciate advice. The members of FWF have helped me with previous, related inquiries:
Advice: Car BreakdownScamming or Negligent Mechanic
Should I Complete (Art) School?

Background: Washington State offers a GET program (like 529). Few key differences. You pay into the system with credits which guarantee future education in Washington colleges. The program is guaranteed by the State of Washington to keep pace with resident undergraduate tuition and state-mandated fees at the most expensive public university in Washington. If you cash out at any point for non education purpose you pay 10% penalty on increase credit value subtracting money you invested. The money (profit) will be considered as earned income so you would also need to pay taxes on it. Note that of the kid goes to a different state college, Washington will pay the max current in state fee to other state college. As most of the colleges increase fee relatively at the same rate you are protected against the tuition increase in any state more or less. Example: Current one Credit rate: $169, 100Credits = 1 year of education, current credit cash out value $116. If you buy now and cash out in 2 years you loose money but in 10 years you will gain money with respect to fee increase.
Plan: You can pay into the GET program right now for your kids. Let the money/value increase for 5-10 years. The rate of fee is increate data faster rate than even medical cost. Cash out the credits and pay 10% penalty and pocket a nice profit. If kid decides to go to college it is even better. But I want to plan for the scenario of using GET as a investment vehicle. Any ideas or holes in my theory ? Some more stats: Tuition rates are projected to increase at about twice the general inflation rate. During any 17-year period from 1958 to 2001, the average annual tuition inflation rate was between 6% and 9%, ranging from 1.2 times general inflation to 2.1 times general inflation. On average, tuition tends to increase about 8% per year. An 8% college inflation rate means that the cost of college doubles every nine years.

Just got $200 for Kids education. Need to grow money in eight years for college tuition. Any suggestions? Bank saving rate is so low, dont have good luck so far with mutual fund. College tuition keeps hiking every year. How can this money keep up with all these hikes? Any suggestion is greatly appreciated.

My Nephew was terminated from his job on Wednesday. He is a college student, and has worked at a gas station for 2.5 years. They terminated him, because when customers wanted to pay with Cash, he asked them if he could use his CC (he explained he was a college student and he got x% back on his card). Most customers agreed, and those that didn't, he continued the transaction in cash. He has accumulated a few thousand dollars in reward points and has never had any issues until Weds, when a new guy started working there. The new guy saw what he was doing, and told the owner, who then in turn terminated my nephew. My nephew does not feel he was wrong, and he never tried to hide what he was doing. He never got a warning, and has been doing it for over 2 years now without thinking it was wrong. The owner of the gas station is threatening legal action on my nephew. What can I do to help him out?

Been reading about 529 savings plan for the kid. I know about the flexibility of opening one in any state. So much info that my head is spinning. A lot of info on the web is not up to date. Hence, I wanted to get fellow FW opinions on which state offers the best 529 plan as there are so many nuances for each state.Overall, from what I've read is that Utah (low fees), New York, Georgia seems best.Please chime in, thoughts?(Our specific situation, live in California, six figure income, Coverdell not an option).

OfficeMax B&M back to school sale: .10 Purell (.5 oz), .25 10 pack pens, etc. 7/15-21
From the upcoming weeks online ad:
PURELL 0.5-oz. Hand Sanitizer [1211-7737] $0.10, limit 6
--- First 6 at 10 each. Additional bottles 49 eachJUST BASICS Assorted, Blue, Black or Purple Ballpoint Pens, 10-Pack [2228-2762/2228-2780/2228-2753/2326-0711] $0.25, limit 3
--- First 3 at 25 each. Additional packs $1 each.
$0.50 items:OfficeMax Poly 3-Fastener Folder [2227-0276] limit 5, except in NM.
OfficeMax Clear Zipper Binder Pocket [2004-5087] limit 5, except in NM.
REALLY USEFUL 0.14 Liter Storage Box $0.50
$1.00 items:OfficeMax Poly Notebook, Wide or College-Rule, 70 Sheets [2329-8673/2329-8496]
SCHOOLIO 1" or 1.5" Poly 3-Ring Binder [2228-0586/2228-0602], limit 3, additional binders $2 @
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I was all set to go to my college for an accounting and finance dual major, but I'm looking through their degree programs and they do not offer a Bachelor's in Accountancy they only offer a Bachelor's of Business Administration with a specialization in accounting (and another specialization in finance).Is this going to be a road block for me? I already have one bachelor's degree that was a waste of time, I really don't want to go through that again.They do offer a MAcc though. I plan on going for CPA as soon as possible.I need to start around 50's and would like to be at six figures at some point in my life.

Been reading about 529 savings plan for the kid. I know about the flexibility of opening one in any state. So much info that my head is spinning. A lot of info on the web is not up to date. Hence, I wanted to get fellow FW opinions on which state offers the best 529 plan as there are so many nuances for each state.Overall, from what I've read is that Utah (low fees), New York, Georgia seems best.Please chime in, thoughts?(Our specific situation, live in California, six figure income, Coverdell not an option).

Any idea of how someone could triple-dip (or more) to earn points, rewards, cash, etc?I was thinking about linking up my debit card (which earns me reward points) to my UPromise account, which would earn Cash Back for my kids college fund, and any other accounts I can find to earn rewards or Cash Back with the very same card I used on the other two things mentioned. I know it wouldn't be much, but it would add up.I tried looking for a thread like this one, but didn't find one. If anyone knows of one, please post it so that I and others can see it. Thanks.

Buy an iPad for college between June 11 and September 21 and receive a $50 Back to School Gift Card to use on apps, books, music, and movies. Or buy a Mac and get a $100 Back to School Gift Card. And if you choose a Mac, save even more with Apple Education Pricing.Link
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Any idea of how someone could triple-dip (or more) to earn points, rewards, cash, Cash Back, etc?I was thinking about linking up my debit card (which earns me reward points) to my UPromise account, which would earn Cash Back for my kids college fund, and any other accounts I can find to earn rewards or Cash Back with the very same card I used on the other two things mentioned. I know it wouldn't be much, but it would add up.I tried looking for a thread like this one, but didn't find one. If anyone knows of one, please post it so that I and others can see it. Thanks.

The 1500 per month is used to pay for school and living expenses for up to 1 year. This is the VRAP program and is 100% legit.Info HERE but spaces are filling up fast so if you even think you qualify I would apply ASAP. I just checked and there are about 34k apps in so far though this does not mean that all 34k will be approved.Info from the site...The VRAP offers 12 months of training assistance to Veterans who:Are at least 35 but no more than 60 years old
Are unemployed on the date of application
Received an other than dishonorable discharge
Are not be eligible for any other VA education benefit program (e.g.: the Post-9/11 GI Bill, Montgomery GI Bill, Vocational Rehabilitation and Employment Assistance)
Are not in receipt of VA compensation due to unemployability
Are not enrolled in a federal or state job training program
The program is limited to 45,000 participants from July 1, 2012, through September 30, 2012, and 54,000 participants from October 1, 2012, through March 31, 2014. Participants may receive up to 12 months of assistance equal to the monthly full-time payment rate under the Montgomery GI BillActive Duty program (currently $1,473 per month).
DOL will offer employment assistance to every Veteran who participates upon completion of the program.Participants must be enrolled in a VA approved program of education offered by a community college or technical school. The program must lead to an Associate Degree, Non-College Degree, or a Certificate, and train the Veteran for a high demand occupation.

The 1500 per month is used to pay for school and living expenses for up to 1 year. This is the VRAP program and is 100% legit.Info HERE but spaces are filling up fast so if you even think you qualify I would apply ASAP.Info from the site...The VRAP offers 12 months of training assistance to Veterans who:Are at least 35 but no more than 60 years old
Are unemployed on the date of application
Received an other than dishonorable discharge
Are not be eligible for any other VA education benefit program (e.g.: the Post-9/11 GI Bill, Montgomery GI Bill, Vocational Rehabilitation and Employment Assistance)
Are not in receipt of VA compensation due to unemployability
Are not enrolled in a federal or state job training program
The program is limited to 45,000 participants from July 1, 2012, through September 30, 2012, and 54,000 participants from October 1, 2012, through March 31, 2014. Participants may receive up to 12 months of assistance equal to the monthly full-time payment rate under the Montgomery GI BillActive Duty program (currently $1,473 per month). DOL will offer employment assistance to every Veteran who participates upon completion of the program.Participants must be enrolled in a VA approved program of education offered by a community college or technical school. The program must lead to an Associate Degree, Non-College Degree, or a Certificate, and train the Veteran for a high demand occupation.

Rollback from $99.96. Great for home, office or college. Available in black or white. Free shipping to home or site to store delivery. Very good overall reviews, 4.3/5.0 stars rated with 161 reviews.LINKThe Black and Decker 2.7-cu ft Refrigerator with Freezer is the best choice to keep your food fresh and your beverages cold. This compact refrigerator freezer is perfect for dorm rooms, offices, and game rooms. The adjustable thermostat helps you maintain the desired temperature in the refrigerator. Whether you are storing a left over pizza or keeping the vegetables cool and fresh, the black and Decker 2.7-cu ft refrigerator with freezer can be of great use in smaller room setups.The door storage of this adjustable thermostat refrigerator can hold 2 liter bottles. This refrigerator comes with recessed door handles for easy accessing. The freezer compartment is provided with ice cube tray and the interiors have slide out wire shelves for convenient storage.Black and Decker 2.7-Cubic Foot Refrigerator with Freezer
* Adjustable thermostat
* 325 KWh per year
* 2-liter bottle door storage
* Freezer compartment with ice cube tray
* Slide-out wire shelves
* Recessed door handle
* Leveling legs
* Warranty: 1-year parts and labor, 5-years sealed system
* Measures: 17.88"L x 18.75"W x 26.13"H
* Black and Decker black refrigerator model #BCFA27B

OfficeMax B&M back to school sale: $5 off $25 supplies coupon, free folders with $5 purchase, .25 glue sticks, .50 composition books, etc 07/08-07/14
From the upcoming weeks online ad:$5 off $25 coupon good on supplies found on front page of ad (see attached).
FOLDERS: Up to 10 FREE after $5 minimum purchase, before taxes, per household
--- Available with or without fasteners.
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--- The $5 minimum purchase can be met with bonus rewards items OfficeMax MaxPerks Bonus Rewards offers 07/08-07/14: 1 cent after rewards batteries and ream paper, etc.
--- The $5 minimum purchase can be met with bonus rewards items OfficeMax MaxPerks Bonus Rewards offers 07/08-07/14: 1 cent after rewards batteries and ream paper, etc.
OfficeMax Disappearing Purple or White Glue Sticks, 4-Pack, [2160-6291/2248-9647] $0.25, limit 3
--- First 3 at 25 each. Additional packs $2 each.All SCHOOLIO College-, Wide- and Primary-Rule Composition Books, 100 Sheets, $0.50, limit 3
--- First 5 at 50 each. Additional books $1 each.All OfficeMax 1" Durable Binders, First 2 at $1 each. Additional binders $2.99 each.
$1 with coupon found on page 2 of ad (see attached):OfficeMax 1-Subject Poly- Cover College- or Wide-Rule Notebook, 100 Sheets [2107-1233/2107-1359] Limit 2.QUARTET EnduraGlide Black or Assorted Dry Erase Markers, 4-Pack [2331-6154/2331-6387] Limit 2.SHARPIE Black Fine-Point Permanent Markers, 12-Pack [1000-0722] Limit 1. All PAPER MATE Clearpoint Mechanical Pencil Starter Sets [2076-8992/2213-0052/2167-6606] Limit 2.
$2 with coupon found on page 2 of ad (see attached):AVERY 8-Tab Ready Index Dividers [0402-0366] Limit 3.
$3 with coupon found on page 2 of ad (see attached):Select OfficeMax Color, Inkjet and Laser Paper Reams, Limit 2.
OfficeMax Coupons

OfficeMax B&M back to school sale: $5 off $25 supplies coupon, free folders with $5 purchase, .25 glue sticks, .50 composition books, etc 07/08-07/14
From the upcoming weeks online ad:$5 off $25 coupon good on supplies found on front page of ad.
FOLDERS: Up to 10 FREE after $5 minimum purchase, before taxes, per household
--- Available with or without fasteners.
--- 2227-7554/2227-7224/2227-7545/2227-7233/2227-7572/2228-0363/2227-7590/2228-0372/2228-0354/2227-7581OfficeMax Disappearing Purple or White Glue Sticks, 4-Pack, [2160-6291/2248-9647] $0.25, limit 3
--- First 3 at 25 each. Additional packs $2 each.All SCHOOLIO College-, Wide- and Primary-Rule Composition Books, 100 Sheets, $0.50, limit 3
--- First 5 at 50 each. Additional books $1 each.
$1 with coupon found on page 2 of ad:OfficeMax 1-Subject Poly- Cover College- or Wide-Rule Notebook, 100 Sheets [2107-1233/2107-1359] Limit 2.QUARTET EnduraGlide Black or Assorted Dry Erase Markers, 4-Pack [2331-6154/2331-6387] Limit 2. SHARPIE Black Fine-Point Permanent Markers, 12-Pack [1000-0722] Limit 1. All PAPER MATE Clearpoint Mechanical Pencil Starter Sets [2076-8992/2213-0052/2167-6606] Limit 2.
$2 with coupon found on page 2 of ad:AVERY 8-Tab Ready Index Dividers [0402-0366] Limit 3.
$3 with coupon found on page 2 of ad:Select OfficeMax Color, Inkjet and Laser Paper Reams, Limit 2.
OfficeMax Coupons

Hello - I am looking to get some opinions and creative ideas from fellow FWer's on how to invest my money. I have been a sitting on the sidelines accumulating cash for a while now.I am 28, single and work in an IT consulting firm in CA and am getting about $120k/yr
I have saved up about $250K in cash over the past 7 years of working.
I have absolutely no debt (no college loans, car payments etc)
I have minimal expenses (cell phone, car is paid for by the company) and my biggest item is $300 for rent (including utilities).
and I end up saving about $4500 a month (after 401K deductions of 6%, health insurance, state and federal tax, food, buying stuff for my hobbies, miscellaneous expenses etc.)My ultimate goal is to be able to generate a steady stream of passive income so I do not have to work full-time anymore.What should I do with my money? Let me know your thoughts and comments.

I would like to start a thread on the recommendation of another poster. Basically how do people who make a good living save for college? I have 3 kids as I have mentioned in previous posts, college for all 3 could easily be the better part of a million dollars when they go. I will have kids in college 2017-2027, and 3 of those years I will have 2 in college. Here are my issues with college:I dont think it is right to pay for college with mostly loans, or any loans at all really. This is especially true for a liberal arts degree; I make an exception for professional and doctoral programs. This is obviously impossible for 90+% of the population. My feeling is that college is overpriced because the government will guarantee loans, and people will take them. This creates fake demand and pushed the price up. I am 100% sure this is happening, but there is really nothing I can do about it. With 3 kids I am being squeezed!
How the F*** does anyone of my generation save that kind of money! The stock market has been flat for 10 years, and interest rates dont even cover inflation. Even if you make good money and save a lot ($20,000yr for 3 kids) for college, you still will fall short. Basically if you want your kids to go to a private college, or in my case (University of Michigan obviously not private) you need to be rich, not just well off. My understanding of the system is that if you have no money and are smart enough to get into the school you can get a need based scholarship. If you are very wealthy than you have no issues I guess. But if you are doing OK, and saved and scrimped for years, college will cost you everything!So basically the point of my thread is to toss around ideas on how people can intelligently mitigate the cost of college. Ideas and strategies that can help people with money, just not all the money in the world.