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g: 0 Posted By: tedhawkins
Views: 97 Replies: 0 Accelerade Original Formula Advanced Sports Drink Mix - 60 Servings $17 performance bike Fs to store

http://www.performancebike.com/bikes/Product_10052_10551_1126753...

Accelerade Original Formula Advanced Sports Drink Mix - 60 Servings
Seasoned athletes know that recovery is the key to peak performance. And what athlete doesn't want to recover quicker? Thanks to Accelerade's patented balance of carbohydrates and protein in their Advanced Sports Drink Mix, now you can train longer, harder and with less post-ride muscle soreness.

4:1 ratio of carbohydrates to protein enhances hydration, increases endurance, starts the rebuilding process of muscles damaged during exercise and speeds up muscle recovery after exercise
In 2006, researchers at St. Cloud University demonstrated that consuming Accelerade following cycling exercise significantly enhanced rehydration by 15% compared to a conventional sports drink and 40% compared to water
Take advantage of the sports drink that lets you train longer, harder with less post-ride muscle soreness


Health Deals

Performance Bicycle Coupons
Free Android App on amazon: Tiny Thief
Added on : Tuesday October 21st 2014 09:00:10 AM
g: 0 Posted By: sarahturtle
Views: 69 Replies: 0 http://amzn.com/B00EAIMGDW
Product Features

Six big adventures - sneak and steal your way through six epic quests, featuring an awesome pirate ship and daring castle siege!
Use cunning and skill - out-smart your tricky opponents using the element of surprise and some downright sneakiness!
Unexpected surprises - explore fully interactive levels and uncover hidden treasures and other surprises at every turn!


Product DescriptionJoin Tiny Thief on a big adventure!

In a world of greed, corruption and injustice, one little guy decides to stand up for the little guy! Say hello to Tiny Thief, an unconventional hero who uses cunning and trickery to out-smart his opponents across six epic medieval adventures. But beware! He faces fearsome foes, like the Dark Knight, rogue pirates and even a giant robot!

Tiny Thief brings back the magic from the point-and-click games of old, charming you with its very own visuatol style and offbeat sense of humor.

The game throws some seriously mind-boggling puzzles at you, with tons of surprising interactive gameplay elements along the way. So get ready to embark on an epic quest to save a princess and kingdom in peril!

Six big adventures sneak and steal your way through six epic quests, featuring an awesome pirate ship and daring castle siege!

Use cunning and skill out-smart your tricky opponents using the element of surprise and some downright sneakiness!

Unexpected surprises explore fully interactive levels and uncover hidden treasures and other surprises at every turn!

Tiny Thief is ready to start his big adventure. Are you?

Terms of Use: http://www.rovio.com/eula

Privacy Policy: http://www.rovio.com/privacy


Important Message for Parents

This game may include:
- Direct links to social networking websites that are intended for an audience over the age of 13.
- Direct links to the internet that can take players away from the game with the potential to browse any web page.
- Advertising of Rovio products and also products from select partners.
Technical Details

Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 166 Replies: 0 Fender Modern Player Jazz Bass Olympic White Rosewood Fingerboard $379.9 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

Throughout its history, Fender has always made a special point of welcoming new players to the family by offering entry-level instruments of remarkable style and substance (such as the Duo-Sonic, Mustang and Musicmaster models), with great sound, classic looks, solid performance and eminent affordability. The Modern Player Series continues that great my-first-Fender tradition, with thoroughly modern features and several distinctively unconventional new takes on our most revered instruments-all with outstandingly attainable value.

The Modern Player Jazz Bass is a volcanic new take on the time-honored Jazz Bass thanks to its dual Modern Player humbucking Jazz Bass pickups. Other features include an alder body, C-shaped maple neck, rosewood fretboard with 9.5" radius and 20 jumbo frets, three-ply pickguard, vintage-style four-saddle bridge with brass saddles, open-gear tuners and nickel/chrome hardware.
Features
Neck

Shape: C
Wood: Maple
Joint: Info not available
Scale length: 34"
Truss rod: Standard
Finish: Gloss polyester

Pickups

Active or passive: Passive
Layout: HH
Neck: Not applicable
Middle: Modern Player Humbucking Jazz Bass
Bridge: Modern Player Humbucking Jazz Bass
Brand: Fender
Series or parallel: parallel
Active preamp: Not applicable
Special electronics: Not applicable

Fretboard

Material: Rosewood
Radius: 9.5"
Fret size: Jumbo
Number of frets: 20
Inlays: Dot
Nut width: 1.5" (38.1mm)
Neck width at 12 fret: Info not available

Body

Style: Double cutaway
Construction: Solidbody
Body material: Solid wood
Body wood: Alder
Top wood: Not applicable
Body finish: Gloss polyester
Orientation: Right handed

Controls

Control layout: Volume 1, volume 2, master tone
Pickup switch: Not applicable
Coil tap or split: Not appicable
Kill switch: Not applicable

Hardware

Bridge type: Fixed
Bridge design: 4-Saddle vintage-style with brass saddles
Tailpiece: Not applicable
Tuning machines: Open-geared
Color: Nickel/chrome

Other

Number of strings: 4
Special features: no
Case: Sold separately
Accessories: Info not available
Country of origin: China


Music Deals

Musician's Friend Coupons
g: 1 Posted By: ctgolfer
Views: 180 Replies: 0 A 1650 watt electric element that heats up in about 30 minutes
Automatic shutoff function
Cooks up to a 20 lb
Drain clip added to fryer basket
Drain valve
Model #: 23011114
Not just for frying turkeys
Porcelain-coated inner pot
Stainless steel construction
The fryer measures 16.14 by 14.80 by 18.3
Thermostat control
Uses 33% less oil than conventional fryers
You can boil, or steam


www.ebay.com/itm/Butterball-23011114-Extra-Large-Electric-Turkey...
Butterball Deals

eBay Coupons
g: 0 Posted By: remick
Views: 73 Replies: 0 Fantasy Football for Smart People: 25 Mysteries Solved to Help You Draft a Better Team
http://www.amazon.com/Fantasy-Football-Smart-People-Mysteries-eb...

"Fantasy Football for Smart People: 25 Mysteries Solved to Help You Draft a Better Team" was created to take your fantasy football team over the edge by answering over two dozen critical mysteries in the world of fantasy football. How should I handle the flex position? What's the best way to draft rookies? Do players perform worse after receiving big contracts? What's one simple way to dramatically increase my team's chances of winning? How should my draft strategy change based on the draft slot?
"Fantasy Football for Smart People: 25 Mysteries Solved to Help You Draft a Better Team" is a collection of timeless lessons developed to transform you into a dominant fantasy football owner by using an analytical, data-driven approach to buck conventional wisdom. No more drafting based on hunches. Real numbers, real analysis, real fantasy football championships.



also free

Fantasy Football for Smart People: How to Cash in on the Future of the Game
http://www.amazon.com/Fantasy-Football-Smart-People-Future-ebook...

Fantasy Football for Smart People: How to Cash in on the Future of the Game is the first book of its kind to break down the actual strategies used by the top owners in the world of daily fantasy football. With daily fantasy football growing at an exponential rate, theres a whole lot of money to be made, and advanced daily owners are already cashing in to the tune of hundreds of thousands of dollars in profit. With input from one of the daily fantasy football sharksFFFC $150,000 winner Peter JenningsHow to Cash in on the Future of the Game will show you how to manage your money, select the perfect websites, make projections, and create lineups so that you can finally treat your hobby as you always wantedlike an investment.
Books & Magazines Deals
g: 1 Posted By: remick
Views: 121 Replies: 0 http://www.amazon.com/gp/product/B00LQFEYUU

"A Theory can be proved by experiment; but no path leads from experiment to the birth of a Theory"
~ Albert Einstein.

Quantum Computing, Neuromorphic and Neurosynaptic Chips sound really cool but what is the computational Theory behind these devices? Anyone? Without a Theory, is it realistic to expect a new revolutionary computing Theory to magically appear just by tinkering? Isn't this 'monkey at a typewriter' syndrome? What is so unique about these devices that you can't use conventional integrated circuits to do the same thing? How can you expect to harness quantum Theory to build a supercomputer when nobody understands how it actually works? These are tough questions I know, but If the answer is simply a quest for more computing speed, I would have to say, that in light of the string of flunked speed tests, "Houston...we got a problem!". What is needed is a radically new approach and for that you need a Theory!

This enormously challenging path led me over three decades to develop a radically new computational Theory; fractal hyper computation Theory. My Theory, described in this book, shows how language, vision, hearing and algorithms are computed in a fractal manner.

The Traveling Salesman Problem or TSP is frequently quoted as *the* problem that a quantum computer could solve astronomically faster than a classical computer; the quantum computer experts say it takes a classical computer longer than the age of the universe to solve a 30 city TSP. Is this true? Not so...there is published scientific research, including from major respected universities, showing that an optimization algorithm based on ant colony principles, running on a slow classical computer in emulation mode, can solve a 170 city TSP in around 1 minute and a 783 city TSP in 20 minutes? The age of the universe compared to 1 minute is a pretty large difference. What is going on here? The answer lies in the algorithm...it is a fractal hyper computation algorithm. This class of algorithm are created by and run natively on a fractal hyper computer. They perfectly match its algorithm mechanisms and framework. They evolve a solution (definition thread with lowest energy) in a lattice by the use of relativity and concurrence to pair nodes together. Quantum entanglement or "spooky action at a distance" is not needed by the ants, the ant colony simulations or the fractal hyper computer.

It would appear that the polynomial time computational speedup, that is often given as *the* big selling point for quantum computers, is an intrinsic and natural part of the massively parallel fractal hyper computer.

Problem solving (Chap 12 Algorithms) is consistent with quantum theoretic models and allows all solutions to be presented in a massively parallel lattice before a collapse occurs and the desired solution is selected. In this radically new computer architecture, memory and CPU are combined; the memory/CPU lattice *is* the computer!

"These advancements redefine the whole concept of what a computer is and how it works. The performance advantages offered by native fractal processing are huge and the computational advantage will lead to super-computers vastly more powerful than any that exist today. Once you understand the concepts of fractal computation, you will understand how mind blowing it all is. My invention of the fractal computer Patent Pending, I hope, will lead to the construction of one in the near future. I have figured it all out. The only step remaining is to build one."

"The first thing you need to understand is this. Throw way all of your preconceived notions about computers and bits and bytes. It will not help you one iota in understanding fractal computation Theory, in fact it will just get in the way. To think in such terms will be counterproductive. Forget about conventional computer architecture memory and CPU. These are now ideas of the past and forget about binary. The new kid on the block is quaternary."



also free

How to Hack Windows?: A complete guide to hack windows
http://www.amazon.com/gp/product/B00MHGA7MG

Learn the steps & techniques used to Hack Windows & be a hacker!




Books Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 203 Replies: 0 shipping adds $5


The DysonDC34, powered by the Dyson digital motor that spins up to three times faster than conventional electric motor, has the highest suction of any other handheld
Root Cyclone technologyPatented technology that doesnt lose suction power as you vacuum
22.2 volt Lithium-ion batteryReleases charge evenly with no drop off and recharges up to three times faster than others
Hygienic and quick to emptyJust push the button to release the dirt
Dual power mode15 minutes of high constant suction or 6 minutes ofMAXpower for more difficult tasks
Lightweight and ergonomicOnly 2.9 lbs with balanced weight distribution for easy handling
Lifetime washable filter


http://home.woot.com/offers/dyson-dc34-handheld-vacuum-31
Appliance Deals

woot! Coupons
g: 0 Posted By: DesertWarden
Views: 120 Replies: 1 Escort 80-000085-06R Passport 8500 X50 Radar & Laser Detector with Red Display

Link

A revolutionary radar/laser detector, the Passport 8500 X50's "V-Tuned" radar receiver provides extreme detection range on all police radar; conventional and "instant-on" radar, including the new POP mode radar threat, X-Band, and up to 50% more range than the original Passport 8500 on the all-important K and Ka bands. Digital signal processing (DSP) provides maximum range, with minimum false alarms.

All-Band Protection
The 8500 X50 provides extreme long-range warning on all radar bands including X, K, superwide Ka, and instant-on POP mode. Multiple front and rear laser sensors provide 360-degree laser protection, including the widest field of view. For the ultimate in laser protection, the Passport 8500 X50 is ZR3 ready.Escort's patented Digital Signal Processing (DSP) provides extreme radar range with minimal false alarms. Patented Mute and AutoMute circuits keep the Passport 8500 X50 quiet in even the most populated areas.In addition, the Passport 8500 X50's advanced EZ-Programming lets you customize up to 9 features: Power-On Indication, Power-On Sequence, Signal Strength Meter, AutoMute, Audio Tones, City Mode Sensitivity, Display Brightness, Dark Mode, Radar / Laser Bands.

Brilliant Display
The 8500 features an ultra-bright red matrix display with 280 LEDs. The device displays three high-resolution meter modes: standard Bar Graph display or ExpertMeter and SpecDisplay for more advanced users. ExpertMeter tracks and displays up to 8 radar signals simultaneously, and SpecDisplay provides actual numeric frequency for any radar signal.Auto-Sensitivity Mode
Passport's AutoSensitivity mode provides long-range warning, with minimum false alarms. In this mode, Passport's internal computer continuously analyzes all incoming signals and intelligently adjusts the sensitivity circuits.You can also select conventional Highway and City modes. When driving in urban areas where annoying X-band intrusion alarms and door openers are common, City mode can be engaged to lower X-band sensitivity and reduce X-band alerts.
Tools & Automotive Deals

woot! Coupons
g: 0 Posted By: ctgolfer
Views: 69 Replies: 0 shipping adds $5

Over 10 times stronger than conventional pegboard
Accepts slotted, stable, secure hooks, brackets, and shelves (included) and 1/4-inch pegs
Magnetic panels, steel prevents pegboard holes from wear; galvanized rust-resistant finish
Pegboards constructed with a pre-formed 3/4-inch flange that separates panel surface from wall
Mount directly into studs or sheet rock with no framework required
Pre-drilled mounting holes on 16-inch centers
Patented double offset hook engagement improves stability
Made in USA

http://tools.woot.com/offers/wall-control-galvanized-steel-pegbo...
Tools Deals

woot! Coupons
g: 0 Posted By: BenH
Views: 410 Replies: 18 Hoping that someone in the real estate business, or who has gone through this recently, can give me some valid info.

I'm in an 8 unit condo building that currently has a 38% OOR.
Most of the remaining owners occupants are hoping to leave within the next couple years (me included) and they, along with some of the absentee-owners would like to sell.

From what I (think I ) know, the current lending policies are like this:
1) FHA loans require 50% OOR
2) Conventional loans require 70% OOR. Although this is a general rule and not all financial institutions follow it. Many are on a case by case

In either case, we're SOL based on these numbers.

I have read some other literature which suggests that Fannie Mae/Freddie Mac actually don't actually have a minimum OOR if you will be purchasing as your primary residence.

I'm looking for the facts on what is true and current.
Also looking for any tips in trying to sell a condo under these stipulations. To me, it basically mean that you are narrowing the purchaser pool to only those who can pay cash, or can get a conventional loan on a case-by-case basis (excellent credit, etc).
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 94 Replies: 0 free shipping with Prime or on $35+

Features Near Field Communications (NFC) technology which allows for easy, one-touch pairing by simply tapping your NFC-enabled Bluetooth smart device on the speaker
Smart devices that are not NFC-enabled can easily be paired to the Creative Airwave HD via Bluetooth using the conventional method; speaker also features Creative Multipoint, which allows you to connect two Bluetooth stereo devices to it
Enjoy your music by connecting directly to the speaker via the integrated analog Aux-in connector
Built-in Li-ion battery means you're free to place your speaker almost anywhere you please, plus the battery can be easily charged via a standard micro USB connection
Up to 12 hours of playback time between charges

www.amazon.com/gp/product/B00CNZP8AM/
Headphones & Speakers Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 125 Replies: 0 Yamaha MOX8 88-Key Graded Hammer Action Music Production Synthesizer Workstation $1300 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

The Yamaha MOX8 combines a MOTIF XS sound engine, a MIDI keyboard controller with extensive DAW and VST control, multi-channel USB audio interfacing, onboard sequencing, and an extensive DAW / VST software bundle. The MOX8 is the most powerful, mobile and affordable Yamaha music workstation ever.

MOTIF XS sound engine
MOX has the exact same 1,270 sounds as the acclaimed MOTIF XS covering a wide variety of music styles. Starting with the Yamaha's acclaimed Concert Grand Piano CFIII grand piano sound; all the acoustic instrument sounds (strings, brass, guitar, bass, drums and more) that made the MOTIF XS so popular are included.. Of course the 8 element Voices, 18 different filter types and extensive effects section are also great for creating the vintage analog and modern digital synthesizer sounds that are used in the electronic and hip hop music scenes. All the sounds you'll need for both live performance and music production in a variety of styles are contained in the MOX.

Performance mode to enhance your creativity
You can combine multiple Voices together (up to 4 parts) and play them on one MIDI channel in performance mode, allowing you to play dynamic layered sounds or play solos along with drums and bass backing tracks. With the interactive Arp engine, even playing simple chords or just one finger gives you complete musical performances to spark your creativity. The MOX has 256 preset performances in a wide variety of music style including Rock, World, Hip Hop Jazz, etc.

Easy operation and comprehensive controls
Category search mode makes it fast and intuitive get to your ideal instrument. 16 different instrument categories with sub-categories make it quick to get the sound you need. With the Performance Creator (a new feature taken from the S90 XS, you can easily build up layer or split Performances by a single button press. Start with a Voice you like, press LAYER and a suitable layer sound will be chosen. Press SPLIT and a left hand Bass sound is called up automatically. Go to DRUM ASSIGN and you can play along with the tons of built in rhythm patterns.

Plenty of Effets including Virtual Circuitry Modeling effects
MOX has a wide variety of effects for both the internal keyboard sounds and for use with the A/D inputs including a Vocoder for vocal formant controlled synth sounds.. Also Yamaha's proprietary VCM (Virtual Circuitry Modeling) technology that, rather than simply attempting to approach the desired sound using conventional digital audio methods, actually models the original analog circuitry right down to the last resistor and capacitor. With the MOX, the high-quality effects found in our industry-standard digital recording consoles are at your fingertips. MOX also includes the award-winning "REV-X" reverb, the same professionally renowned reverb found in the SPX2000.

Sequencer mode to build up your inspiration as quickly as possible
MOX features a built-in sequencer which lets you produce high-quality music productions without the need for a computer or any other external devices. The sequencer features both real-time recording, which records your performance data as you play it, and Step recording, which is suitable for recording precise phrases or other difficult passages. Moreover, you can use the creative inspiration from Performances and directly record them to a Song/Pattern simply by pressing the [REC] button. After creating the outline in a matter of seconds you can easily edit and refine your song to final completion right on the MOX. MOX features 6,720 types of arppegiator patterns which contains all the phrase of instruments, so you can easily add additional part onto your song data.

A single USB cable for both Audio and MIDI connections
A single USB cable lets you integrate both Audio and MIDI with your MAC or PC computer. MOX has a built-in 4-in 2-out USB audio interface so you can record MOX's internal sound directly to your MAC or PC. Two dedicated audio inputs can be used to recording guitars and vocals into your computer. Compatible with all the major DAWs including Cubase, you can digitally record the sounds of the MOX and anything connected to the stereo analog inputs directly to your favorite DAW. Not only for music production, the USB connectivity and in-depth keyboard controller functionality lets you also playback and control your VST soft synths via the audio outputs of your MOX, allowing you to easily integrate VSTs into your live stage shows with no extra gear- just add computer and play.

Bundled software and editors
The MOX comes bundled with a 48-track version of Steinberg's Cubase AI software, Prologue, Steinberg's VA soft synth for vintage analog synth sounds and a new Yamaha Organ YC-3B "Clonewheel" organ emulation VST. (The installer package of Soft synthesizers is available at yamahasynth.com) Dedicated Editor Software lets you easily edit your MOX just like a soft synthesizer. In fact, by using the MOX Editor VST, you can turn the MOX into a hardware accelerated VSTi. Combined with Media Bay in Cubase, you can categorize and select MOX's sound from a unified universal library of all your VST sounds. There is even a special editor for setting up the MIDI keyboard controls and remote functions. The MOX is the latest and best example of Yamaha's commitment to integrating our keyboards into the computer music production environment.

88-key Graded Hammer Standard(GHS) action, and new 61-key semi-weighted action
The MOX8 features an 88-key GHS keyboard. This feature provides authentic, realistic keyboard responsemuch like the playing feel of an acoustic pianowith the lower keys being heavy in touch, the higher keys light, and all the natural gradations in between. The keyboard has been designed and adjusted so that you easily and expressively play the rich variety of sounds of the instrument.

Mobility Light and easy to carry
The MOX8's lightweight body (32.6 lb., 14.8kg) makes it easy to carry it to rehearsals or gigs, making it pound-for-pound the most powerful workstation Yamaha has ever made. Both the MOX6 and MOX8 are 50% lighter in weight than the comparable MOTIF models.
Features

1,217 Voices and 355 MB of waveforms taken from the MOTIF XS
XA (Expanded Articulation) tone generation system
More than 256 Performances that spark your musical inspiration
Virtual Circuitry Modeling (VCM) effects
6,720 arpeggiator patterns and the 4-part interactive arpeggio engine
Direct Performance recording
Performance Creator for quick setting of Splits, Layers, and Drum Parts
Category Search provides instant access to the Voices you want
Comprehensive sequencer including step recording
88-key Graded Hammer-Action keyboard
Lightweight body
Built-in 4-in 2-out USB Audio/MIDI interface
Bundled with YC-3B Organ Emulator soft synth, Prologue analog synth, and Cubase AI


Music Deals

Musician's Friend Coupons
g: 0 Posted By: Savvymommy03
Views: 0 Replies: 0 Groupon has theEscort Passport 8500-X50 Radar Detector w/ Blue Display (Refurbished) on sale for $149.99 free shipping

Long-range radar and laser detector
Detects all police, conventional, and instant-on radar
Identifies up to eight simultaneous radar signals
Reprogrammable microprocessor can be updated to detect new radar
Includes the latest TSR software update
Blue display
Six-month manufacturer warranty

4.0 out of 5 stars based on 232 customer reviews on Amazon

g: 0 Posted By: ctgolfer
Views: 105 Replies: 0 free shipping with Prime or on $35+

THIS IS A UK IMPORT HOWEVER IT IS REGION FREE AND WILL PLAY ON ALL BLU RAY PLAYERS IN THE US.

THIS IS THE UNIVERSAL PICTURES UNITED KINGDOM RELEASE.

Finally making its Blu-ray bow, The Ultimate Bourne Collection defies the convention for how these things are supposed to work. The theory runs that a trilogys best film is the first, and its a case of diminishing returns from that point onwards. The Bourne movies? They just keep getting better and better.

Things kick off well with The Bourne Identity, which introduces Matt Damon as Jason Bourne. When we meet him, hes no idea who he is, but he quickly learns that hes in possession of some quite extraordinary, and lethal, skills. The film is slap bang on the money for the first two thirds, before a slightly muddled last act. Yet it still gets the franchise off to a good start.

www.amazon.com/dp/B001XCWPAM/
Movies Deals

Amazon Coupons
Guess Men's Jerin Sneakers $23.80 w/FS @ 6PM
Added on : Friday September 19th 2014 11:00:05 PM
g: 0 Posted By: ctgolfer
Views: 152 Replies: 0 Textile overlay and synthetic upper combine to create a smooth, modern look.
EVA insole provides a gently padded footbed.
Nylon lining insures breathability.
Collar features studded detail.
Dual metal eyelets top a conventional lace closure.
Signature brand logo displayed on front side panel.
Sturdy man-made textured sole insures durability.

www.6pm.com/guess-jerin-black
Shoes Deals

6PM Coupons
g: 0 Posted By: Savvymommy03
Views: 327 Replies: 2 Tanga has the Philips Sonicare or Oral-B Compatible Replacement Toothbrush Heads (8-pk.) on sale for $5.99. Shipping adds $2.99

Philips Sonicare

Brush head design maximizes sonic motion
Bristles are made of the highest quality, extremely soft nylon available
Replacement bristles ensure you are getting an effective clean
Larger surface area and contoured bristles thoroughly clean and massage teeth and gums
Heads offer 10 percent more sweep for better plaque removal than conventional toothbrushes
Contoured bristles fit the natural shape of your teeth
For optimal results, a new brush head is recommended every three months
Eight-pack lasts about two years based on a three-month replacement cycle
A push on connector makes the brush body easy to clean
Compatible with Diamond Clean, FlexCare, FlexCare+, Healthy White, and Easy Clean models


Oral-B

Bristles are made of the highest quality, extremely soft nylon available
Replacement bristles ensure you are getting an effective clean
Helps clean your teeth 3 times better than a regular toothbrush
Heads offer 10 percent more sweep for better plaque removal than conventional toothbrushes
Contoured bristles fit the natural shape of your teeth
For optimal results, a new brush head is recommended every three months
Eight-pack lasts for more than two years based on a three-month replacement cycle
Compatible with:
Oral-B Triumph 5000 with SmartGuide Electric Toothbrush, Oral-B Triumph 4000 Electric Toothbrush, Oral-B Professional Care 3000 Electric Toothbrush, Oral-B Professional Care 1000 Electric Toothbrush, Oral-B ProfessionalCare SmartSeries 5000 with SmartGuideTM, Oral-B ProfessionalCare SmartSeries 4000, Oral-B Vitality Floss Action Electric Toothbrush, Oral-B Vitality Dual Clean Electric Toothbrush, Oral-B Vitality Precision Clean Electric Toothbrush, Oral-B TriZone 5000 Electric Toothbrush with Wireless SmartGuide Technology, Oral-B TriZone 3000 Electric Toothbrush, Oral-B TriZone 1000 Electric Toothbrush, Oral-B TriZone 600 Electric Toothbrush, Oral-B Vitality TriZone Electric





Health Deals

Tanga Coupons
Ashampoo GetBack Photo
Added on : Thursday September 18th 2014 02:00:07 AM
g: 0 Posted By: softwaredealhunter
Views: 67 Replies: 0 Photos are full of memories and often have a priceless, sentimental value. Especially then it is painful, when one realizes that the digital photos of the own wedding, pictures of the childrens births or of the last holiday are gone and that there is no backup. With Ashampoo GetBack Photo the loss of digital photos doesnt have to be permanent. The program enables the quick recovery of photos from different storage devices in just a few steps. In contrast to many conventional undeleter programs, Ashampoo GetBack Photo recovers not only photos that were deleted normally, but also images from storage devices that have already been formatted.

http://www.ashampoo.com/frontend/registration/php/trial_step1.ph...

Totally Free Deals
Need help with current housing situation
Added on : Monday September 15th 2014 08:00:14 AM
g: 0 Posted By: averageJoeonFW
Views: 121 Replies: 0 Hello all,First of all, I want to thank everyone here for making FW (especially the Finance forum) such a great place for me to check every other hour or so.I have somewhat of a complicated housing issues that I need your advice on, Ill try to keep it as short as possible, but please let me know if you need more details in any parts.

I currently have 2 houses with mortgage on (both under my name:

House 1: bought in early 2011, FHA loan, 3.75% interest rate, 3.5% down, currently has $135K left. Current market value of around $210K-
House 2: bought late 2012, Conventional loan, 3.85% interest rate, 5% down, currently has about $175K, second mortgage (home equity) of $26K, current market value of around $255K

My wife and live in house 2, my parents + brothers family + sister lives in house 1.I pay the mortgage for house 2, brother pays mortgage for house 1. The family moved down to my area from a high cost living area to open up their own business, so I helped them with a place to stay. On this house 1, I put about $5K for down (money from my mom). Our plan was to take advantage of the housing market back then, the price was so good, plus the interest rate was low, thats why I bought the house under my name as my brother still had his house back then so he couldnt afford the second house.Now, his house was sold 2 years ago, business is up and running for about 2.5 years, but his credit is now under 600 because of all the current credit cards with balance (he did have 2 late payments also last year). His credit was 800+ range back in 2011.

We are trying to do whats the best way to have the house transfer over to my brothers name?

I know FHA allows other people to assume the loan, providing that the income/credit allow him (already check with Wellsfargo, the mortgage provider), however, with his current credit and about $30K credit card debt, I am sure he wont get approved. His income is about $2,500/month pretax. Business income is about $100-$120K per year (restaurant business in the past 2 years).My wild thought would be taking another equity loan against house 1, pay off his credit card to free up his credit again, then by the time its going back up to an acceptable level by the bank (as well as his income), then have it transferred over to his name. The reason I bring this up is because were planning on to move, so well be ending up selling our house (house 2) and hope to get my name off house 1 as well so I dont want to do anything else related to my credit unless I have to.

Another additional note: my mom and dad work at the same business, they do receive a small income also so for the purpose of income qualification, if needed, we can include them as well ($1100/month each, basic credit, 1-2 credit cards with about 2 years history).
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 56 Replies: 0 Edge-Lit LED for a stunning picture and vivid colors and details
Ultra-Slim frame design
1080p Full HD for a crystal-clear picture
Virtual Surround Sound
High Contrast Ratio
Two HDMI ports
RoHS Compliant, V-Chip (Parental Controls), JPEG Viewer, Picture Freeze, Favorite Channels, Sleep Timer
HD-Built-In HDTV/ATSC Tuner
Up to 50% more energy efficient than conventional LCD TVs

www.ebay.com/itm/ELEMENT-19-720p-60Hz-LED-LCD-HDTV-ELEFW195/2912...
g: 0 Posted By: tedhawkins
Views: 136 Replies: 0 Levin Sol-Wing 13W Ultra-slim Highest Efficiency Solar Panel Portable Solar Charger $59 w/code (Lowest Ever) FS Levin via Amazon

http://www.amazon.com/Levin-Sol-Wing-Ultra-slim-Efficiency-Compa...

Apply $10 OFF code AKE2ZMUM

Rated 4.4 out of 5 stars

The thinnest, lightest but most efficient solar panel charger on the planet. Comparing with other 13W solar panel charger, our panels possess 29% higher convertion rate but 40% lighter in weight. We use only the Sunpower company's best, premium, monocrystalline silicon with a patented treatment to optimize energy conversion, ensure solar panels capture more sunlight and convert light into energy more efficiently than any other solar panel pack in the market.
With 22% ultrahigh conversion rate, 13W high-efficiency mono-crystalline solar panel will offer you amazing charging speed, it won't be broken even bent up to 90 degree, ideal for emergency , backpacking, camping and other outdoor activities. The backside pouch hold your mobile phone or other accessories inside perfectly.
More portable than any other 13W solar panel pack, total weight is only 0.94lb, folding down into a 12.12*7.16*0.59 inches dimension, eyeholes design makes it convenient to attach on backpack for use on the go.
Compatible with all 5V USB-charged devices, including but not limited to GPS units, iPhones, iPads, windows phones,Android phones and Android tablets.
Package includes: Levin solar charger, instruction manual.

Why choose Sol-Wing?
Sol-Wing captures more sun than conventional solar panels, which means we generate more electricity per panel, and we use less panel to produce the energy you need. The result? With Sol-Wing, you need not to worry your devices run off power, enjoy the greatest happiness during your travel.

Highest Efficiency
According to third party tests, Sol-Wing has highest efficiency of 22%, produce more juice than other solar panel pack, with only 2 monocrystalline silicon panels, but it captures more sunlight and converts light into energy more efficiently, with its 13W output, full charge your iPhone just need 4 hours!

Best Design
More portable than any other 13w solar panel pack, its total weight is only 0.94lb, backside pouch hold your mobile phone or other accessories inside perfectly, eyeholes design makes it convenient to attach on backpack for use on the go.

Highest Quality
Monocrystalline silicon panels produced by Sunpower company guarantee its quality, it won't be broken even bent up to 90 degree, the stretchy Polyester canvas provides perfect protection for Monocrystalline silicon panels and circuit.
NASA FCU - Adveristing 0% down / No PMI mortgages
Added on : Thursday September 11th 2014 04:00:17 PM
g: 1 Posted By: Logan71
Views: 123 Replies: 6 I heard this on the radio on the way home, and then checked out their website a short while ago.

Their blurb...

NASA FCU can help. Our $0 DOWN fixed-rate mortgage doesnt require Private Mortgage Insurance (PMI). This is unique because conventional lenders will require PMI when your down payment is less than 20% of the home purchase. So, now you can concentrate on the things you need for your new home instead of a down payment.

I would think there's some legitimacy to NASA FCU, in the same vein as Navy FCU or PenFed, but I dont know - I'm only posting this 'claim' as it sounds attractive, at least on the surface, for someone trying to refi out of PMI. As they say, the devil is in the details...

Link
Discussion Deals
Navy FCU - Adveristing 0% down / No PMI mortgages
Added on : Thursday September 11th 2014 03:00:19 PM
g: 0 Posted By: Logan71
Views: 1 Replies: 0 I heard this on the radio on the way home, and then checked out their website a short while ago.

Their blurb...

NASA FCU can help. Our $0 DOWN fixed-rate mortgage doesnt require Private Mortgage Insurance (PMI). This is unique because conventional lenders will require PMI when your down payment is less than 20% of the home purchase. So, now you can concentrate on the things you need for your new home instead of a down payment.

I would think there's some legitimacy to NASA FCU, in the same vein as Navy FCU or PenFed, but I dont know - I'm only posting this 'claim' as it sounds attractive, at least on the surface, for someone trying to refi out of PMI. Ask they say, the devil is in the details...

Link
Smith Aura Polarized Sunglasses White/Blue - $53.79 Fs @ Backcountry
Added on : Wednesday September 10th 2014 06:00:09 AM
g: 0 Posted By: tedhawkins
Views: 197 Replies: 0 Smith Aura Polarized Sunglasses White/Blue - $53.79 Fs @ Backcountry

http://www.backcountry.com/smith-aura-sunglasses-polarized

One time-traveling trip back to the '70s, and you'll discover the inspiration for the wild prints inside the lightweight frame of the Smith Polarized Aura Sunglasses. With a shape borrowed from the square-framed hipster shades of the '80s, the Aura softens things up a little bit with vibrant colors and smooth lines. Pick a tasty-looking point break, stare out into the ocean on a sunny day, and revel in the polarized lenses and TLT optics that make view pop without distortion or glare.

Lightweight, optically-precise TLT lenses adapt to high or low amounts of UV light to provide just the right tint for the situation
Anti-reflective and hydrophobic lens coating keeps your lenses pristine by resisting
Evolve frames utilize Smith's Rislan bio-based material, which is sustainably produced and less harmful on the environment than conventional sunglass materials
Spring hinges cradle your temples for a secure fit that won't squeeze your head
See sizing chart for lens color explanations


Sunglasses Deals

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

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

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

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

Thanks to everyone in advance
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 198 Replies: 1 Brand
HP
Model
20xi
Series
Pavilion
Cabinet Color
Silver / Black

Display
Screen Size
20"
LED Backlight
Yes
Widescreen
Yes
Recommended Resolution
1600 x 900
Refresh Rate
60Hz
Viewing Angle
178 (H) / 178 (V)
Pixel Pitch
0.277mm
Brightness
250 cd/m2
Contrast Ratio
10,000,000:1
Response Time
7ms
Panel
IPS

Connectivity
Input Video Compatibility
Analog RGB, Digital
Connectors
D-Sub, DVI
D-Sub
1
DVI
1
HDMI
No
DisplayPort
No

Power
Power Consumption
22W

Convenience
Regulatory Approvals
Microsoft WHQL Certification

CB, CE, FCC marking, ES 5.2, ErP, CSA/C-UL/C-ETL Mark, UL/CSA-NTRL/ETL-NRTL Mark, ICES
Stand Adjustments
Tilt
Built-in TV Tuner
No
Built-in Speakers
No
HDCP Support
Yes
Features
Amazing angles with IPS
Spectacular angles and IPS widescreen technology perfect for sharing photos, videos, games and more, now in a bold, new micro-thin design.

In-plane Switching (IPS), the color-rich technology you know and love in tablets, mobile devices, and televisions, is now available in a micro-thin, 20-inch diagonalmicor-thin display designed for the home.

Share videos, photos, games, and more with striking 178 degrees horizontal and 178 degrees vertical viewing angles - so you can accurately view images and colors from almost any direction. Less distortion. Less blurring. Happy spectators.

The difference is in the screen. IPS technology delivers higher color fidelity than conventional TN (Twisted Nematic) panels. That means image and color consistency from almost any angle.

Beauty and brains
Modernize your home desktop with a contemporary, edge-to-edge panel design that delivers maximum views of all your favorite images and on-screen content.

Save space in style, too. The unique, micro-thin profile fits virtually anywhere without taking up valuable space.

For big projects and multitasking, do more with a dual-monitor setup that's easy to implement with a smart, plug-and-play design. Stay connected to current and evolving devices with easy access to built-in VGA and digital DVI inputs.

Jaw-dropping details
Bring your media to life with HP Enhance+, which enhances your onscreen imagery with crisper, cleaner images for your games, videos, and pictures.

10,000,000:1 dynamic contrast ratio makes a difference. Give your photos, videos, and online games more depth and see the difference with deeper blacks and whiter whites that create a more vivid and visible color spectrum.

Software that simplifies
Control power saving modes, screen settings and more with HP My Display - preinstalled on your HP Pavilion 20xi with easy, step-by-step guides.

HP My Display smart software also lets you partition your screen

Dimensions
Dimensions
14.5" x 18.4" x 6.73"
Weight
6.2 lbs.

www.newegg.com/Product/Product.aspx?Item=N82E16824176422
Monitors Deals

Newegg Coupons
g: 0 Posted By: ctgolfer
Views: 160 Replies: 0 Baldwin prestige collection
For use on exterior doors where keyed entry and security is needed
Featuring smartkey re-key technology and re-key the lock yourself in seconds in 3 easy steps
Patented side locking bar technology offers improved security by protecting against lock bumping, an attack technique used to defeat conventional pin and tumbler locks
ANSI/BHMA grade 2 security
Solid forged brass construction
Low profile cylinders
Architecturally inspired designs
Lifetime mechanical and finish warranty

www.homedepot.com/p/Baldwin-Prestige-Wesley-Single-Cylinder-Sati...
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Home Depot Coupons
g: 0 Posted By: ctgolfer
Views: 159 Replies: 0 shipping adds $5

Root Cyclone Technology for No Loss of Suction

Dyson vacuum cleaners dont rely on bags to trap dust and dirt
They use patented Root Cyclone technology, which spins the air at incredibly high speeds
The cyclones inside a Dyson vacuum cleaner generate centrifugal forces many thousands of times the force of gravity
Dust, dirt, and pet hair are flung out of the airflow and straight into the bin
No bag, no loss of suction
Dyson Digital Motor:

Smaller, Lighter, More Power-Efficient DC44 Animal is powered by an intelligent Dyson digital motor
Its smaller, lighter, and faster than conventional electric motors
The Dyson digital motor in DC44 Animal spins up to three times faster than conventional electric motor
It makes DC44 Animal the most powerful cordless vacuum
Motorized floor tool with carbon fiber filaments:

The motorized floor tool on DC44 Animal has two types of brushes
The anti-static carbon fiber filaments remove fine dust from hard floors
Stiff nylon bristles remove ground-in dirt from carpets
Articulating Cleaner Head:

The cleaner head pivots 180 without losing floor contact
A self-adjusting sole plate maintains optimum contact from floor to floor
And V-Ball technology enables smooth steering around furniture and obstacles
No more awkward moves
Detachable Long-Reach Wand:

The wand is made from lightweight aluminum
It reaches high, low and into awkward gaps - ideal for floor to ceiling cleaning
You can also remove the wand and attach the motorized tool for quick clean-ups around the home and for removing dirt and dust from the car
No Extra Costs:

Most other cordless and handheld vacuum cleaners are still designed to need replacement bags and filters - and the cost soon adds up
DC44 Animal uses patented Root Cyclone technology, which spins dust and dirt from the air straight into the bin
With no bags or filters to replace, there are no extra costs to worry about
Shipping Note: Eligible for shipping to all 50 states

Warranty: 6 Month Dyson


http://moofi.woot.com/offers/dyson-dc44-animal-cordless-vacuum-c...
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woot! Coupons
g: 0 Posted By: ctgolfer
Views: 139 Replies: 1 IPS PANEL - Make any seat the best seat in the house with a clearer and more consistent image at wide viewing angles compared to conventional screens.

MCI 960 - Excellent motion clarity to provide superior sharpness in fast motion video including sports and videogames.

LED BACKLIGHTING - LED makes TVs slimmer, while also delivering amazing brightness, clarity and color detail.

Product Details:

PICTURE QUALITY

Full HD 1080p Resolution
Micro Pixel Control
MCI 960
TruBlack Control
Triple XD Engine
Resolution Upscaler
LG SMART TV

Magic Remote Control
Premium Content
WebOS
App Store
Search/Reccomendations
Auto Input Recognition
Web Browser
SMART SHARE

Media Share
Screen Share
LG CINEMA 3D

CONNECTIVITY

Wi-Fi Built-in
3 HDMI Connections
3 USB Connections
1 Component In
1 Shared Composite in (AV)
AUDIO

2Ch Speaker System
Built-in Subwoofer
20W Output Power
Sound Sync

www.ebay.com/itm/LG-70LB7100-70-240Hz-1080p-3D-Direct-Smart-LED-...
3D TV Deals

eBay Coupons
Get 40% or More Off Select Strategy Games @ Amazon
Added on : Friday August 15th 2014 09:00:03 PM
g: 0 Posted By: ctgolfer
Views: 176 Replies: 0 Save on select strategy games, including Pandemic, 7 Wonders, Munchkin Deluxe, Dixit, Seasons, and more. It's a great way to celebrate the Gen-Con gaming convention this week

Betrayal At House On The Hill - 2nd Edition
byWizards of the Coast
(288) List Price: $49.99 Price: $29.99 You Save: $20.00 (40%)
76 used & newfrom$42.49
In Stock Pandemic Board Game
byZ-Man Games
(497) List Price: $39.99 Price: $22.99 You Save: $17.00 (43%)
58 used & newfrom$25.00
In Stock Munchkin Deluxe
bySteve Jackson Games
(344) List Price: $29.99 Price: $16.99 You Save: $13.00 (43%)
45 used & newfrom$18.89
In Stock The Resistance
byIndie Boards & Cards
(300) List Price: $19.99 Price: $11.99 You Save: $8.00 (40%)
97 used & newfrom$13.49
In Stock 7 Wonders
byAsmodee
(479) List Price: $49.99 Price: $25.99 You Save: $24.00 (48%)
70 used & newfrom$25.99
In Stock King of Tokyo
byIELLO
(378) List Price: $44.99 Price: $23.99 You Save: $21.00 (47%)
49 used & newfrom$29.63
In Stock Resistance Avalon
byIndie Boards & Cards
(121) List Price: $19.99 Price: $11.99 You Save: $8.00 (40%)
82 used & newfrom$11.02
In Stock Smash Up Game
byAEG
(206) List Price: $29.99 Price: $17.99 You Save: $12.00 (40%)
46 used & newfrom$17.99
In Stock Dixit
byAsmodee
(167) List Price: $34.99 Price: $18.99 You Save: $16.00 (46%)
64 used & newfrom$15.00
In Stock Takenoko Board Game
byAsmodee
(148) List Price: $49.99 Price: $25.99 You Save: $24.00 (48%)
48 used & newfrom$25.99
In Stock Ravensburger Labyrinth
byRavensburger
(255) List Price: $31.99 Price: $19.19 You Save: $12.80 (40%)
56 used & newfrom$14.75
In Stock Castle Panic
byFireside Games
(313) List Price: $34.99 Price: $20.99 You Save: $14.00 (40%)
51 used & newfrom$16.90
In Stock Diplomacy
byAvalon Hill
(66) List Price: $29.99 Price: $17.99 You Save: $12.00 (40%)
58 used & newfrom$17.99
In Stock Sentinels of The Multiverse Enhanced Card Game (2nd Edition)
byGreater Than Games
(113) List Price: $39.99 Price: $22.99 You Save: $17.00 (43%)
31 used & newfrom$24.95
In Stock Power Grid
byRio Grande Games
(175) List Price: $44.99 Price: $24.99 You Save: $20.00 (44%)
97 used & newfrom$24.20
In Stock Flash Point Fire Rescue 2nd Edition
byIndie Boards & Cards
(100) List Price: $39.99 Price: $23.99 You Save: $16.00 (40%)
34 used & newfrom$19.98
In Stock Dominion: Big Box
byRio Grande Games
(194) List Price: $99.99 Price: $57.99 You Save: $42.00 (42%)
27 used & newfrom$61.50
In Stock Tokaido Board Game
byPassport Game Studios
(40) List Price: $39.99 Price: $23.99 You Save: $16.00 (40%)
23 used & newfrom$27.99
In Stock Seasons
byAsmodee
(53) List Price: $49.99 Price: $25.99 You Save: $24.00 (48%)
46 used & newfrom$26.99
In Stock The Castles Of Burgundy
byRavensburger
(110) List Price: $41.99 Price: $23.99 You Save: $18.00 (43%)
37 used & newfrom$23.99
In Stock Fate: Core System
byEvil Hat Productions
(19) List Price: $24.99 Price: $14.99 You Save: $10.00 (40%)
21 used & newfrom$14.99
In Stock BraveRats - A Game by Seiji Kanai
byBlue Orange
(6) List Price: $10.99 Price: $6.59 You Save: $4.40 (40%)
15 used & newfrom$6.59
In Stock Axis and Allies Pacific 1940 2nd Edition
byWizards of the Coast
(33) List Price: $89.99 Price: $53.99 You Save: $36.00 (40%)
46 used & newfrom$39.55
In Stock Quantum Game
byPassport Game Studios
(21) List Price: $55.99 Price: $31.99 You Save: $24.00 (43%)
18 used & new
In Stock Battle Cry
byWizards of the Coast
(34) List Price: $59.99 Price: $35.99 You Save: $24.00 (40%)
28 used & newfrom$39.79
In Stock Niya - a game by Bruno Cathala
byBlue Orange
List Price: $13.99 Price: $8.39 You Save: $5.60 (40%)
11 used & newfrom$11.69
In Stock Bora Bora Strategy Board Game
byRavensburger
(7) List Price: $49.99 Price: $27.99 You Save: $22.00 (44%)
37 used & newfrom$33.59
In Stock Casa Grande Family Game
byRavensburger
(39) List Price: $40.99 Price: $23.99 You Save: $17.00 (41%)
27 used & newfrom$20.00
In Stock

Game Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 97 Replies: 0
VIZIO Internet Apps Plus Instantly enjoy the latest hit movies, TV shows, music and even more premium apps straight from the Internet to your TV.
Full-Array LED backlight Distributes LEDs across the entire screen delivering superior light uniformity and picture performance.
Active LED Zones x6 Dynamically adjusts the LED backlight per zone creating deeper, pure black levels and higher contrast.
Built-in Wi-Fi Connect with high-speed wireless for easy, clutter-free Internet access.
120Hz effective refresh rate enhanced with backlight scanning Enjoy clear fast action scenes.
E-Series Signature Design An ultra-narrow 10mm frame, a 30% thinner profile, and slimmer new base makes the new E-Series a perfect upgrade to any room.
1080p Full HD resolution Enjoy high-definition TV with a crystal-clear picture.
2 million to 1 Dynamic Contrast Ratio Superior contrast for stunning color & detail, from deep blacks to radiant whites.
3 HDMI ports perfect for connecting all your high definition entertainment devices to the TV
1 USB port enjoy photos, music, and video right on the big screen
DTS Studio Sound Simulated surround sound solution with deep bass, high frequency detail and clear dialog for an immersive surround experience using the TVs built-in speakers.
Advanced color management Ensures optimal accuracy of color and detail across all your devices.
Smart remote Easy to use remote with one-touch access to your favorite movies, TV shows, and more.
New TV settings menu with built-in user manual More intuitive menu system with quick, onscreen access to the user manual. No need to search for a paper user manual.
Ambient Light Sensor Intelligent backlight sensors automatically adjust to surrounding brightness for a great picture in any room.
Energy Star 6.0 More energy efficient than conventional LCD TVs to save you even more on energy bills.


http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&...


LED TV Deals

Dell Consumer Coupons
Dyson 17418-02 DC25 Animal - Factory Reconditioned $199.99 @ Woot
Added on : Thursday August 14th 2014 07:00:05 AM
g: 0 Posted By: ctgolfer
Views: 173 Replies: 1 shipping adds $5


Suction power 220 airwatts (constant)
Unlike conventional upright vacuums that sit on four fixed wheels and are hard to steer, theDC25rides on a ball so you can get the vacuum where you need it without pushing and pulling, back and forth around corners and obstacles
The motor is stored inside the ball which gives it a lower center of gravity that improves maneuverability
Mini turbine head attachment-Removes pet hair and dirt from hard to reach places such as upholstery, stairs and the car. Quickly attaches to the hose or wand.
Root Cyclone Technology Uses cyclonic separation to remove dirt from the air without using a filter
LifetimeHEPAFiltration HEPA(High Efficiency Particulate Air) filters can remove 99.97% of airborne particles 0.3 micrometers in diameter. This can trap fine particles such as pollen or other allergens
Certified Asthma Friendly Air expelled from a DysonDC25has up to 150 times less mold and bacteria than the air you breathe
Easy Empty Bin Button controlled system allows for a clean and hygienic way to discard dust and dirt it traps
On Board Tool Storage Upholstery and crevice tools store on the machine
Brush Bar Will protect delicate floors and rugs
Clear Bin You can see when the bin should be emptied. No need to buy specific vacuum bag



http://home.woot.com/offers/dyson-dc25-animal-3
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woot! Coupons
g: 0 Posted By: ctgolfer
Views: 101 Replies: 0 Item Description
Tuned for Accentuated Bass Performance:Think new genres of music fall flat on a pair of conventional headphones? Thats why Denon created Urban Raver headphones.

Lets face it, contemporary formats of music like techno, trance, hip-hop, drum n bass, etc. demand a different type of tuning to deliver the level of performance that you heard at the club last night. Getting explosive bass performance and slightly enhanced treble (so you can hear the subtle rhythms of the high hat) is important for the overall experience.


Denons 40mm dynamic drivers professionally tuned for accentuated bassenon engineers have incorporated 40mm dynamic drivers in each ear piece and professionally tuned these to provide an accentuated bass experience, so you can feel the music like never before.

Designed for those who set the trend, not those who follow itenons Urban Raver AH-D320BU On-Ear headphones are specifically designed for those who set the trend, not those who follow it. Featuring eye-catching color combinations and a sculpted design these headphones are unique, just like you. From the vibrant blue accent color to the patent-pending Denon control wheel, your friends will be sure to ask you in surprise WHAT ARE THOSE? You may not hear them though.

Be Cool, Calm and Collected, thanks to Denons Integrated On-ear Controls and Microphones:

Ever seen that guy or gal fumbling for their in-line remote on their headphone cable to control their iPhone or enhance their clarity of conversation? Imagine not having to be that person. Denon Urban Raver Headphones feature Denons patent-pending control wheel on the ear for easy control of Apple iPhone, iPod, or iPadTM, and integrated microphones on the ear for crystal clear call and voice recognition clarity. The Denon control wheel mimics the operation of a conventional rotary control. To turn the volume up, simply rotate the Right control wheel gently towards the front of your face. Volume down? Rotate the Right control wheel to the rear. Press the center of the right control wheel to play / pause the music or when you answer a telephone call.


Feel the Music. Not Your Headphones:At Denon they believe you should feel the music, not your headphones. In a quest to provide the most comfortable, best fitting headphones, Denons engineers have studied over 4,000 pairs of ears from people around the world, to come up with a design that automatically accounts for the subtle differences in ear placement, ear canal size, head size and jaw depression. Denon knows that fit and comfort comes from paying attention to the small details. Think about it your ears arent round, so why settle for round ear pads? Denons patent-pending Pentagonally-shaped memory foam ear pads provide the ultimate in comfort for long trips, while the 2-axis ear cup design, adjustable headband and over the ear headphone provide for a perfect , custom fit. Denons Urban Raver AH-D320BU On-Ear headphones include a 3-foot audio cable, and a carrying pouch with Karabiner for easy portability.

Denons Club App, for iPhone, iPad or Android, enhances your experience.

The Denon Club App was designed to enhance your listening experience with Denon Urban Raver Headphones. Customize your listening experience by creating, storing, and sharing custom EQ curves and features a real-time spectrum analyzer. Settle disputes about what your favorite artist is singing about by accessing song lyrics from the audio player with the touch of a button. Create and store custom playlists. Enjoy over 70,000 internet radio stations worldwide via TuneIn Internet Radio service. Automatically update your Facebook/twitter status so your followers know what youre up to. Denon Urban Raver Headphones and the Denon Club App provide the perfect combination.


www.ebay.com/itm/370932331725
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g: 0 Posted By: Buckeyefan1
Views: 173 Replies: 0 http://www.amazon.com/HV-SK466BT-Portable-Bluetooth-Speaker-Perf...

One-touch Bluetooth pairing with Features NFC
Speakerphone functionality
Smart devices that are not NFC-enabled can easily be paired to the Havit speaker via Bluetooth using the conventional method
Enjoy your music by connecting directly to the portable wireless speaker via the integrated analog Aux-in connector
Built-in Li-ion battery means you're free to place your speaker almost anywhere you please, plus the battery can be easily charged via a standard micro USB connection Up to 8 hours of playback time between charges


Headphones & Speakers Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 143 Replies: 0 World class rotisserie oven designed to start cooking immediately and quickly, using 1/3 less energy than your conventional oven
Elegant, easy to clean, non-stick surface wipes clean with damp cloth in seconds
Non-stick dishwasher safe pan makes cleaning up a snap
Removable class door is dishwasher safe
13? tall ? fits directly under standard cabinets
Exterior handle stays cool and allows you to easily access your finished meals
Removable heat shield helps brown your meat to absolute perfection

www.amazon.com/ST5000PLGEN-Showtime-Rotisserie-Platinum-Edition/...
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FHA 203(k) Questions
Added on : Sunday July 27th 2014 04:00:07 PM
g: 1 Posted By: scottybweyy
Views: 50 Replies: 1 I'm considering purchasing a multi-family quadplex and had some questions on FHA 203(k) loan.

1.) When searching the lender liston the HUD site, I return 0 lenders when searching for those who have done a 203(K) loan in the post 12 months in SC. Does that mean 203(k) loans don't exist in my state?
2.) What national lenders will allow appliance purchases with this program?
3.) Is there a lender where I can qualify for both a conventional FHA and a 203(k) loan in case I decide to only go conventional?
4.) I have read that you need working capital since the draws to pay contractor milestones are typically delayed ~60 days. Is it possible to do a 203(k) without paying contractor personally?




Question Deals
Dyson AM02 or AM03 Factory Reconditioned Bladeless Fan $149.99 @ Woot
Added on : Saturday July 26th 2014 08:00:04 PM
g: 0 Posted By: ctgolfer
Views: 136 Replies: 0 shipping adds $5

Your choice of Dyson fans:Dyson AM03

Air Multiplier technology - An annular jet draws in surrounding air, multiplying it 18 times
No choppy air - No blades chopping the air means airflow is smooth, with no unpleasant buffeting
Easy to adjust - The stand uses a constant force tensator spring to resist the force of gravity
Remote control - Curved and magnetized to store on the machine
Variable airflow control - Push button on remote to quickly adjust airflow power
Safe - No fast-spinning blades
Oscillation - One-touch control
Easy to clean - No awkward grilles or blades
Easy to tilt - Stays put without clamping

What is Air Multiplier Technology?

A Dyson fan uses an airfoil-shaped ramp (like a cross-section through an airplane wing) to amplify airflow from 15 to 18 times depending on the model. This creates a smooth, powerful airflow, with no need for fast-spinning blades.

~or~Dyson AM02Smooth air for the whole room:

AM02 tower fan generates a constant flow of smooth air to cool the whole room
It uses Air Multiplier technology to draw in and amplify air 16 times
There are no fast-spinning blades, so AM02 is safe and easy to clean
Airflow is fully adjustable, and there's oscillation and remote control

Air Multiplier technology:

Dyson fans work very differently to conventional electric fans, they dont have fast-spinning blades that chop the air and cause uncomfortable buffeting
Instead, AM02 tower fans use Air Multiplier technology to draw in air and amplify it 16 times, producing an uninterrupted stream of smooth air
Air is drawn in by an energy efficient, brushless motor
A combination of the technologies used in turbochargers and jet engines generates powerful airflow, which is accelerated through an annular aperture
Airflow passes over an airfoil shaped ramp, causing it to draw in and amplify air from around and behind the machine

No choppy air:

Because Dyson fans dont have blades, they dont chop the air before it hits you
Airflow is smooth, with no unpleasant buffeting

Remote control:

Quickly adjust airflow power and oscillation
The remote control unit is curved and magnetized to store neatly on top of the loop amplifier

Safe:

There are no fast-spinning blades on a Dyson Air Multiplier fan
Its safe to use, and doesnt need a safety grill for protection

Easy to clean:

Ordinary fans have safety grills to guard their fast-spinning blades
They collect dust and are fiddly to take apart and reassemble when you want to clean them
Dyson fans dont have blades or grills
Simply wipe clean with a cloth

Dimmer-switch control:

Conventional fans have limited power settings usually just three or four, one of which is off
A Dyson fan allows you to precisely adjust airflow to suit your personal comfort

Shipping Note:Eligible for shipping to all 50 statesWarranty:6 Months Dyson

http://home.woot.com/offers/dyson-air-multipliers-your-choice-1


Appliance Deals

woot! Coupons
g: -1 Posted By: manito2000
Views: 162 Replies: 5 Hello everyone,

Here's my quick story. I am 34 y/o, married w/ 2 children. I recently cashed out my Calpers retirement account and incurred a 20% tax penalty.

My purpose for doing this is to put the money towards a downpayment on a conventional home loan (5% down). I am ready to put an offer on a home. My question is whether my tax benefits for purchasing a house in the next month or so.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 115 Replies: 0 shipping adds $5

Wall Control metal pegboard is more than 10 times stronger than conventional garden pegboard
Accepts conventional 1/4-inch pegboard pegs and accessories
Accepts Wall Control slotted tool board pegs and accessories
Mounts directly into studs or sheet rock with no framework required
Durable, all-steel construction will not warp, fray, crack
Garden Pegboard Organizer features an attractive, magnetic, and durable metallic galvanized finish that wipes clean
16" H x 33" W x 3" D; 20 pounds

http://tools.woot.com/offers/wall-control-garden-tool-organizer-...
Daily Deals

woot! Coupons
Add an unconventional twist in a vintage inspired trilby hat. Pressed 100% paper in natural tones creates a lively zigzag pattern that»s perfectly accented by a refined grosgrain ribbon.One size (M-56 cm). Made in Italy.
Compare mortgage offers
Added on : Tuesday July 15th 2014 04:00:13 PM
g: 0 Posted By: steveb10
Views: 47 Replies: 0 I am in the process of buying a home. I have pre-qualified with aimloans and in the process of being pre-approved. I also looked into a local broker and received a fee worksheet. It looks as if aimloans is cheaper by about $1k, but I just want to make sure I am not missing anything. If you see something, please let me know.

Location: Alabama
Purchase price of home: $160k
Loan Amount: $112k
Interest rate: 4.25%
Conventional 30 yr

Aimloans:
Lender Fee: $1,995
Lender Rebate: ($2,291)
Appraisal: $395
Flood Cert: $5.50
Credit Report: $16.75
Tax Service: $61
Owner's Title Ins: $500
Lender's Title Ins: $725
Recording Fees: $76
Tax Stamps: $216

Total: $1699.25

Local Broker:
Fees: $1,010
Appraisal: $450
Flood Cert: $14
Closing Protection Letter: $25
Title Examination: $125
Closing Fee: $300
Owner's Title Ins: $250
Lender's Title Ins: $25
Recording Fees: $85
Tax Stamps: $281

Total: $2565

Does anyone know why the Lender's Title Insurance is so much lower with the local broker? Is this something he would jack up at closing without me knowing? I am still learning about mortgages, so any comments or help would be much appreciated. Thank you!
Real Estate Deals
Ninja 3-in-1 Cooking System (Refurbished) $89.99 w/FS @ 1 Sale
Added on : Monday July 14th 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 55 Replies: 0 FEATURES
Searing - Searing meats before cooking adds flavor and appearance. Sear using the built-in stove top before slow cooking for more delicious meals all in one appliance.
Slow Cooking - You can use slow cooking for all types of meals. This method of cooking is perfect for meats that are typically less expensive cuts and take many hours to tenderize. The long and low temperature leaves the meat tender and juicy. For other types of foods, slow cooking allows you to cook hands-free, over a longer period of time.
Steam-Infused Roasting - Steam roasting is best used with beef, pork, fish and poultry. Steam roasting is done by adding liquid to the bottom of the cooking pot and cooking on the oven setting. No need to pre-heat.
Steam-Infused Baking - Steam baking is best used with cakes, cupcakes, loafs, puddings, custards and cheesecakes. Steam baking is done by adding water to the bottom of the COOKING pot and cooking on the OVEN setting. The steam created by the water helps your desserts cook more evenly, retain more moisture and give a better rise.
Steam infused roasting and baking uses bottom heat and side-band heating, combined with super-heated steam, to cook 30% faster**, with less fat. The result is juicier meats!
The Ninja system includes Slow Cook HIGH, LOW and Auto Warm settings. Slow cook HIGH cooks in half the time it takes to cook on slow cook LOW. This flexibility offers two options that work best with your schedule. Use LOW for all-day set it and forget it cooking. Use HIGH for half day or weekend cooking. Once the cooking cycle is complete, the unit will automatically switch to AUTO WARM, which will run for 12 hours.
Bottom & Side Heat and super-heated steam cooks 30% faster, with less fat vs. conventional ovens.
Oven function has digital dial temperature controls from 250-425 degrees with a 6 hour timer
The Stovetop function can be set to Low (simmer), Medium (saut), or High (sear)
Steel nonstick coated lid
Aluminum professional nonstick coated 6 quart pot
Includes chrome-plated steel removable roasting rack and mini-muffin pan
Weight: 12.2 pounds
Brand: Ninja
Model: MC702
Condition: Refurbished
Warranty: 90 Day
Packaging: White Box
Expected to ship within 1-3 Business Days

http://1sale.com/home-family/kitchen-dining/ninja-3in1-cooking/
Ninja Deals

1Sale.com Coupons
g: 0 Posted By: DizzyT71
Views: 96 Replies: 0 hillfly3389 via eBay has theSolar Power Steel LED Light Pathway Path Step Stair Yard Wall Garden Lamp (6-Pcs)on sale for $31.99 with free shipping.

Description:

Brand new stainless steel Solar Power garden yard stair step Lights.
These energy-efficient, low-maintenance solar lights add a charming, decorative glow to your driveway, patio, or flowerbeds. They are a must-have for everyone's garden or yard. Each light is made of stainless steel durable for years of use. Simple assembly is required.
The solar panels convert sunlight into electricity during day time and recharge the battery. At night, the light turns on automatically.
Light be set to one solid color
Absolutely no wiring and easy to install
Lights up to 6-8 hours if fully charged
Recharged by solar panels under sun light
Automatic sensor activates at dusk with AUTO/OFF switch
Ideal for areas where conventional electrical supply is not available
Safe and waterproof, Provides longer life in all weather conditions


Specifications:

LED bulbs ( 1.2V / 0.2W / 10000MCD)
1 solar rechargeable AAA Ni-Mh battery included
Made of stainless steel durable for years of use
Suitable for pathway / staircase / step / garden / yard / wall / drive way
Dimension: 140mm (L) x 95mm (W) x 23mm (H)
Color: Silver case, white LED


Package Included:

6 x Solar Powered Lights LED Pathway Path Step Stair Lamp

Garden Deals

eBay Coupons
g: 0 Posted By: ctgolfer
Views: 96 Replies: 0 shipping adds $5

PuraSleep's mattress toppers provide conforming support and maintain a comfortable sleeping temperature with hypoallergenic ThermaPhase gel memory foam. Cooling micro-gel beads suffuse the high-density memory foam, gently shifting beneath you to relieve pressure on your joints and encourage circulation. The beads' cooling effects also support the toppers' CoolFlow technology. This open-cell technology improves airflow by up to 95% compared to that of conventional memory foam, dissipating heat and moisture more efficiently. The ThermaPhase Gel memory foam further enhances sleepers' comfort with infused additives that hinder bacteria, mold, and mildew.

Revolutionary ThermaPhase Gel Memory Foam -"senses" where your body is hot, where it is cool and adjusts to provide the perfect sleep platform
Maintains your body's optimal sleep temperature throughout the night
New Advanced Technology Comfort and Support - ThermaPhase Gel Memory Foam microgel beads are infused into state-of-the-art CoolFlowmemory foam to perfectly contour to your body, keep you cool and enhance sleep
Superior Quality & Support - High density gel memory foam provides ideal support and proper body alignment to alleviate tossing and turning
Conforms to your body to reduce joint stress, relieve painful pressure points and insure proper blood circulation
Breathable - Advanced technology open-cell super air-flow CoolFlow foam rapidly dissipates heat and moisture for maximum comfort and improves air circulation by 95% over standard memory foams
Available in 2 and 3 thickness for an extra comfort layer or the ultimate in a luxury sleep experience
Hypoallergenic, Anti-microbial and odor minimizing Memory foam is naturally Antimicrobial, dust mite, mold and mildew resistant
Proprietary state-of-the-art natural odor blocking materials are blended into the foam itself which help to eliminate not only the chemical odors associated with traditional memory foam products but also household and body odors
Uses - rejuvenate an old mattress or add a plush comfort layer to a too firm mattress for a bed customized to your sleep preferences
Designed and manufactured in the USA
CertiPUR-US certified

www.woot.com/offers/xcel-thermagel-2-or-3-memory-foam-topper-6-s...
Daily Deals

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

Basically:
Two years left of college, me and my dad want to buy a house after I graduate and find a job using his veteran status for a VA loan. I get no down payment, no mortgage insurance, a better interest rate and a house of my choosing at the age of 23 or 24. I don't see any downsides to this. Help me point out flaws that way I can go over them with him.
Question Deals
La-Z-Boy Outdoor Parker 4 Piece Seating Set $445.99 w/FS @ Kmart
Added on : Monday June 30th 2014 11:00:03 PM
g: 0 Posted By: ctgolfer
Views: 134 Replies: 0 Includes: Coffee Table, 2 Lounge Chairs and 1 Loveseat
Rust-resistant, anti-corrosion heavy-gauge steel frame
Extremely durable e-coating superior to conventional paint processes
Interpon powder coating provides scratch resistance and UV protection
Deep oversized cushions covered in a quick-drying
UV resistant fabric Commercial-grade PVC strap is designed to resist sagging
Some assembly required
2 year limited warranty on frame

www.kmart.com/la-z-boy-outdoor-parker-4-piece-seating/p-028W0064...
Furniture Deals

Kmart.com Coupons
g: 0 Posted By: ctgolfer
Views: 169 Replies: 0 shipping adds $5

Every bit for any project
Bits feature sandblasted chrome vanadium, chrome molybdenum, and S2 steel construction
Quadra-torque driver handle develops up to four times the torque of a conventional driver
Screwdriver handle has three ratchet settings: forward, reverse, and fixed drive
Bits and accessories fit all power drills, screw guns, cordless and magnetic drivers
101 screwdriver bits (1-inch)
2-5/16-inch magnetic extension bit holder
Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day Michigan Industrial Tools

http://tools.woot.com/offers/ratchet-screwdriver-bit-set-105-pie...
Tools Deals

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g: 0 Posted By: ctgolfer
Views: 130 Replies: 0 LG 49 Inch 4K LED Smart TV 49UB8500 3D UHDTV with webOS and 2 pairs of 3D Glasses

4K RESOLUTION
LG ULTRA HD TVs offer 4 times the resolution of Full HD* for an ultra-clear picture, even on large screens.
IPS PANEL
Make any seat the best seat in the house with a clearer and more consistent image at wide viewing angles compared to conventional screens.

10 BIT-COLOR
LGs ULTRA HD 4K TVs with 10-bit color depth display over 1 billion colors. Thats almost 60x more than TVs with an 8-bit color depth. With so many more colors to express, youll see a picture that is more detailed and natural.



Overview
The UB8500 Series pairs the stunning clarity of ULTRA High Definition with the elegant Cinema Screen design. Witness the breathtaking quality of both 4K resolution* and near 4K today: Our exclusive Tru-ULTRA HD Engine converts your SD/HD video to near-4K standards. It offers LG Smart TV** with webOS and the Magic Remote, so its easy to search and select premium entertainment like Netflix, YouTube and Hulu Plus streamed directly to the TV.

http://accessories.dell.com/sna/productdetail.aspx?c=us&l=en&s=d...
Dell.com Deals
g: 0 Posted By: ctgolfer
Views: 220 Replies: 0 The Samsung 52x optical zoom lens brings you as close to the action as you need to be and ensures that every image is as clear and crisp as you remember them. To create a higher zoom rate, weve added additional pixels from the image sensor to the existing optical zoom. 1280 x 720 30p HD recording offers 2.5x better resolution than conventional standard definition camcorders. And since video is captured at 30 frames per second, youll enjoy a cinematic-like presentation - especially when played back on your large screen HDTV or desktop HD monitor. Let the rest of the world share in the fun with one-touch YouTube uploads. After you capture your must-share moments, simply connect the camcorder to a PC. Then select your files, and press the One-Touch Sharing Button to quickly upload your videos to YouTube.


* Promotional eGift Card: Arrives separately from purchase, typically in 10-20 days from ship date via email; expires in 90 days (except where prohibited by law). Terms and conditions apply



http://accessories.dell.com/sna/productdetail.aspx?c=us&l=en&s=d...
Dell.com Deals
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 The Samsung 52x optical zoom lens brings you as close to the action as you need to be and ensures that every image is as clear and crisp as you remember them. To create a higher zoom rate, weve added additional pixels from the image sensor to the existing optical zoom. 1280 x 720 30p HD recording offers 2.5x better resolution than conventional standard definition camcorders. And since video is captured at 30 frames per second, youll enjoy a cinematic-like presentation - especially when played back on your large screen HDTV or desktop HD monitor. Let the rest of the world share in the fun with one-touch YouTube uploads. After you capture your must-share moments, simply connect the camcorder to a PC. Then select your files, and press the One-Touch Sharing Button to quickly upload your videos to YouTube.


* Promotional eGift Card: Arrives separately from purchase, typically in 10-20 days from ship date via email; expires in 90 days (except where prohibited by law). Terms and conditions apply

http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&...
Dell.com Deals
g: 0 Posted By: ctgolfer
Views: 86 Replies: 0 Watch, Pause, Record Live TV
-Watch live TV on your Roku, Chromecast,iPad, Android device or laptop and never miss a live sports event, breaking news or your favorite show ever again.

Remote Access
-Out of town? Got a long car ride planned? Our Premier subscription enables you to watch your TV programs anywhere, anytime, whether around the corner or around the world.



Compliant with IEEE 802.11n standard, the TP-LINK TL-WR841N delivers up to 15X the transfer speed and 5X the operation range of conventional 11g products, and remains compatible with 11g products.

www.newegg.com/Product/ComboDealDetails.aspx?ItemList=Combo.1701...
Routers Deals

Newegg Coupons
g: 0 Posted By: ctgolfer
Views: 161 Replies: 0 The LG LB7100 has everything you want. Smart TV with LG's easy to use Magic Remote, that lets you easily search and select the content you want like Netflix, Hulu Plus and YouTube. Plus, LG's Smart TV is sleeker and easier to navigate than ever. This Full HD 1080p, LED TV shows great picture quality and with an MCI of 960, images look great even in fast moving scenes.

IPS PANEL - Make any seat the best seat in the house with a clearer and more consistent image at wide viewing angles compared to conventional screens.

MCI 960 - Excellent motion clarity to provide superior sharpness in fast motion video including sports and videogames.

LED BACKLIGHTING - LED makes TVs slimmer, while also delivering amazing brightness, clarity and color detail.

Product Details:

PICTURE QUALITY

Full HD 1080p Resolution
Micro Pixel Control
MCI 960
TruBlack Control
Triple XD Engine
Resolution Upscaler
LG SMART TV

Magic Remote Control
Premium Content
WebOS
App Store
Search/Reccomendations
Auto Input Recognition
Web Browser
SMART SHARE

Media Share
Screen Share
LG CINEMA 3D

CONNECTIVITY

Wi-Fi Built-in
3 HDMI Connections
3 USB Connections
1 Component In
1 Shared Composite in (AV)
AUDIO

2Ch Speaker System
Built-in Subwoofer
20W Output Power
Sound Sync

www.ebay.com/itm/LG-65LB7100-65-Inch-240Hz-1080p-3D-Direct-LED-S...
LED TV Deals

eBay Coupons
Specific mortgage request, Loan officers please review
Added on : Friday June 20th 2014 04:00:13 AM
g: 0 Posted By: SoCalJohn
Views: 31 Replies: 0 Much to my dismay, my wife has decided that she wants a bigger house with a bigger yard. I currently own 2 houses in the same city, I will have to cashout both houses to come up with the downpayment for the new house and possibly sell one or both after acquiring the new mortgage.

I am just about done with a cashout refi on a condo owned free and clear, 70% ltv investment property 4.875% no costs no fees 30 year fixed $500k value
Primary residence $1.3M value owe $500k on first mortgage with Heloc of 170k with third federal

Issue is that we have a short sale from 3+ years ago, it did not effect the cashout conventional with our 700+ fico scores, but I have been shut down by morgan stanley and bank of america for jumbo cashout with short sale.

Can any of you mortgage guru's steer me to a lender that will cashout a jumbo loan with a short sale?

I have found financing on the 2M purchase, 40% down stated income 1 year arm at 4% for a .25 discount point cost. Only requirement is 60 months PITI reserves, which we will have after cashing out both properties with 60% of 401k counted.

Thanks for any help

Properties are all located in Southern California, Primary is SFR
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 132 Replies: 0 Sensational Sound - Designed for discerning audiophiles, XBA Series in-ear headphones are outfitted with Sony's newly developed Balanced Armature driver units engineered for crisp, balanced sound of incredible depth and precision. Infused with premium audio technology, even the most subtle musical nuances are delivered with tremendous clarity and detail.
Balanced Armature Drivers - Compared to conventional dynamic drivers, Balanced Armature drivers deliver crystal-clear vocals and booming bass with impressive depth. Plus, the micro-sized, full range driver comes precision tuned by Sony engineers to evenly reproduce a broad spectrum of high to low frequency response for an incredibly balanced audio experience.
Digital Noise Cancelation - Sony's advanced digital signal processing technology reduces aggravating ambient noise by up to 97.5% for deliciously distraction-free listening, even in loud public places.
Artificial Intelligence technology automatically analyzes the type of sound that surrounds youwhether it be aircraft, train, office or otherand selects the optimal noise canceling mode for the environment.
Up to 20 hours battery life
Includes USB Charger Adapter (1), Noise Isolation Earbuds - S (2), M (2), L (2), Plug Adapter for in-flight use (single/dual) (1), Cord Adjuster (1), Clip (1), Carrying Case (1), Operating Instructions (1), Warranty Card (1)
Brand: Sony
Model: XBANC85D
Condition: New
Warranty: 1 Year
Packaging: Retail

http://1sale.com/electronics/audio-gaming/sony-inear-headphones/
Headphones & Speakers Deals

1Sale.com Coupons
Sell rental to help pay off mortgage of primary residence?
Added on : Wednesday June 18th 2014 09:00:13 AM
g: 0 Posted By: jpfern15
Views: 131 Replies: 5 I searched and found a lot of info about rentals, but I want to make sure I get the specifics of my question answered clearly.

My wife and I bought a house in 2009 and lived there until November of 2012. We then bought a new house in December 2012 and moved into that one. Since then we've been renting out the one we bought in 2009. Here are the numbers:

Rental Property:
Property Value: $360k
Mortgage: 135k (30yr fixed)
Monthly Payment: $880
Rent: $1,600
Monthly Net gain: $720

Primary Residence:
Property Value: $600k
Mortgage: $340k (30yr fixed)
Monthly Payment: $2,050

I'm enjoying the $720/month income from the rental, but I'm thinking that if I can sell it for around $360k (my mom is a broker and provided me with this info), that's $225,000 in profit. I could take this and refi my primary residence and lower my loan value to $115k.The key is that the savings in my monthlymortgage payment would be greater thanmy rental incomeand we couldrealistically pay off our house in 5 years leaving us with no house payment. However, conventional wisdom shows that property assets consistently appreciate in the long run, which is why I'm asking you guys if it's better to keep property when there is a compelling reason to sell.

My goal is to own 5 houses by the time I retire in 25 years. What I'm wondering is if it would be better for me to pay off my primary residence and have my only liabilities be against investment properties, or should I keep the rental and continue investing while still owing money on my primary residence? Note that we make about $200k/yr (including rental income) and have no other debt of any kind outside of these two mortgages.

Thanks

Personal Finance Deals
Ninja 3-in-1 Cooking System (Refurbished) $99.99 w/FS @ 1 Sale
Added on : Friday June 13th 2014 07:00:05 PM
g: 0 Posted By: ctgolfer
Views: 107 Replies: 0 Searing - Searing meats before cooking adds flavor and appearance. Sear using the built-in stove top before slow cooking for more delicious meals all in one appliance.
Slow Cooking - You can use slow cooking for all types of meals. This method of cooking is perfect for meats that are typically less expensive cuts and take many hours to tenderize. The long and low temperature leaves the meat tender and juicy. For other types of foods, slow cooking allows you to cook hands-free, over a longer period of time.
Steam-Infused Roasting - Steam roasting is best used with beef, pork, fish and poultry. Steam roasting is done by adding liquid to the bottom of the cooking pot and cooking on the oven setting. No need to pre-heat.
Steam-Infused Baking - Steam baking is best used with cakes, cupcakes, loafs, puddings, custards and cheesecakes. Steam baking is done by adding water to the bottom of the COOKING pot and cooking on the OVEN setting. The steam created by the water helps your desserts cook more evenly, retain more moisture and give a better rise.
Steam infused roasting and baking uses bottom heat and side-band heating, combined with super-heated steam, to cook 30% faster**, with less fat. The result is juicier meats!
The Ninja system includes Slow Cook HIGH, LOW and Auto Warm settings. Slow cook HIGH cooks in half the time it takes to cook on slow cook LOW. This flexibility offers two options that work best with your schedule. Use LOW for all-day set it and forget it cooking. Use HIGH for half day or weekend cooking. Once the cooking cycle is complete, the unit will automatically switch to AUTO WARM, which will run for 12 hours.
Bottom & Side Heat and super-heated steam cooks 30% faster, with less fat vs. conventional ovens.
Oven function has digital dial temperature controls from 250-425 degrees with a 6 hour timer
The Stovetop function can be set to Low (simmer), Medium (saut), or High (sear)
Steel nonstick coated lid
Aluminum professional nonstick coated 6 quart pot
Includes chrome-plated steel removable roasting rack and mini-muffin pan
Weight: 12.2 pounds
Brand: Ninja
Model: MC702
Condition: Refurbished
Warranty: 90 Day
Packaging: White Box

http://1sale.com/home-family/kitchen-dining/ninja-3in1-cooking/
Home & Garden Deals

1Sale.com Coupons
g: 0 Posted By: ctgolfer
Views: 62 Replies: 0 Root cyclone patented technology doesnt lose suction power as you vacuum
Weighing a mere 4.85 pounds and is cordless offering you greater freedom
Fade-free 22.2V lithium-ion battery releases charge evenly throughout use and recharges up to 3 times faster than others
Powered by the Dyson digital motor up to 3 times faster than conventional motors
Dual Power Mode provides 15 minutes of high constant suction (13 minutes with motorized floor tool attached) or 6 minutes on MAX power for more difficult tasks
Detachable long-reach 26.1 " wand cleans up high, down low and in tight gaps
Ideal for quick, flexible cleaning on all floor types, stairs, upholstery and inside the car
Powerful centrifugal forces spin dust and dirt out of the air and into the bin
Debris nozzle converts to a brush tool for dusting
High velocity airflow crevice tool ideal for cleaning base boards and in-between furniture
Hygienic and quick to empty, with no need to touch the dirt. Just push the button
Lifetime filter never needs to be replaced. Just wash every 3 to 6 months
Docking station stores and recharges vacuum and stores attachments
Motorized Floor Tool

Motorized floor tool with carbon fiber brushes
Ultra-fine, anti-static carbon fiber brushes clean hard floors
Rotating nylon brushes remove ground-in dirt from carpet
Pivots 180 degrees without losing contact with floor
Cleaner head stays flat to the floor when pulling backward and when vacuum is fully reclined for maximum suction under couches, beds, etc.
Velour bumper protects furniture and walls

http://home.woot.com/offers/dyson-dc35-multi-floor-cordless-vacu...
Appliance Deals

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g: 0 Posted By: ctgolfer
Views: 34 Replies: 0 Boost your PC's storage power and performance with the Seagate 480GB SSD.Designed to surpass the performance of conventional hard drives, the Seagate 480GB solid state drive secures your data like no other. This SSD also utilizes a SATA III 6Gb/s interface to ensure a stable connection with the motherboard. Utilizing 480GB storage capacity, you will have plenty of space to store your important files, documents, applications, programs, and other important digital data on this solid state drive. Order the Seagate 480GB SSD today!

Drive Type: Internal
Capacity: 480GB
Interface Type: SATA III 6Gbit/s
Write Speed: Up to 400 Mb/sec
Read Speed: up to 500MB/s
Form Factor: 2.5"
Temperature, Operating (C): 0 to 70
Temperature, Nonoperating (C): -40 to 75
Free Shipping: Shoprunner Free 2-Day Shipping


www.ebay.com/itm/Seagate-600-Series-480GB-SSD-2-5-Form-Factor-SA...
SSD Deals

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g: 0 Posted By: ctgolfer
Views: 124 Replies: 0 shipping adds $5

Over 10 times stronger than conventional pegboard
Accepts slotted, stable, secure hooks, brackets, and shelves (included) and 1/4-inch pegs
Magnetic panels, steel prevents pegboard holes from wear; galvanized rust-resistant finish
Pegboards constructed with a pre-formed 3/4-inch flange that separates panel surface from wall
Mount directly into studs or sheet rock with no framework required
Pre-drilled mounting holes on 16-inch centers
Patented double offset hook engagement improves stability
Made in USA

http://tools.woot.com/offers/wall-control-galvanized-steel-pegbo...
Home & Garden Deals

woot! Coupons
Free download - Eventide UltraChannel Native Channel Strip
Added on : Tuesday June 10th 2014 05:00:10 PM
g: 0 Posted By: remick
Views: 107 Replies: 0 http://eventideplugins.elasticbeanstalk.com/ultrachannel.jsp

UltraChannel is Eventide's new 64-bit native channel strip plug-in for AU, VST, and AAX64 for Mac and PC featuring micro pitch functionality from our flagship H8000, stereo delays with variable feedback paths, plus two stages of compression, gating, and five bands of parametric EQ. UltraChannel is available as a free download through midnight July 8, 2014, after which it will cost $249.
UltraChannel features a pair of dynamics processors: the O-Pressor, capable of extreme compression (this is the compressor section of the Omnipressor) and a conventional compressor with de-essing and side-chain capability.

UltraChannel also offers Soft-Saturation, and Transformer emulation which recreates transformer core saturation. This feature adds harmonics to low frequency material while remaining relatively transparent to the rest of signal. While relatively subtle, in aggregate, Transformer can bring life to otherwise dull mixes and help glue disparate sound sources together.

FlexiPath routing allows drag and drop for reordering the signal path of the top level components (O-Pressor, compressor/de-esser, EQ, Gate).

UltraChannel includes a variety of factory presets tailored to signal sources such as guitar, bass, kick drum, snare, piano, strings, synths and vocals. A number of the presets were created by Eventide artists.
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g: 0 Posted By: ctgolfer
Views: 203 Replies: 0 ITEM INCLUDES
Dell C1760NW Color LED Printer - Software and Documentation CD (Printer Driver and Dell Toner Management Software) - Black Cartridge (700 Page Yield) - Color Cartridges (700 Page Yield) - Power Cord - USB Cable - Placemat - Important Information Booklet - Quick Reference Guide (US only) - Safety Precaution Tech Sheet - Dell 1 Year Limited Warranty - Canon KS-1200TS 12-Digit Desktop Calculator
DESCRIPTION
Experience excellent print quality and reliable printing with Dell C1760nw Color Printer. Get professional business quality prints with crisp text and sharp images, up to 600 x 600 dpi resolution. Performing efficiently at print speeds of up to 15 pages per minute (ppm) mono and 12 pages per minute (ppm) color (Letter Size / A4) the C1760nw can reliably produce high quality printing at a maximum monthly duty cycle of up to 30,000 pages. Also, it features a small intelligent self-scanning print head and enhanced imaging controller, with low maintenance. Additionally, built-in Ethernet and Wi-Fi connectivity enables shared use of this printer among multiple users and extends greater value and savings.

Furthermore, get the excellent print quality and reliable printing using a four-row LCD display with 34 buttons and five LED indicators. It is equipped with LED printing technology which delivers superior print quality, lower energy consumption and maintenance-free performance. Also, this printer is Energy Star certified, making it more power efficient than conventional models and lets you print vivid, bright and vibrant printouts with ease.

www.ebay.com/itm/Dell-C1760NW-Color-LED-Printer-With-Canon-Calcu...
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eBay Coupons
Dyson DC34 Hand-held Vacuum $162.99 w/FS @ Amazon
Added on : Friday June 06th 2014 08:00:07 AM
g: 0 Posted By: ctgolfer
Views: 61 Replies: 1 Imported
5 year parts & labor warranty when purchased from an authorized reseller
Powered by Dyson digital motor- up to 3 times faster than conventional motors - creates the most power efficient handheld
No loss of suction
Recharges up to 3 times faster
Hygienic bin emptying

www.amazon.com/dp/B006WS39NE/
Appliance Deals
Free license of O&O SSD Migration Kit
Added on : Friday June 06th 2014 06:00:10 AM
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.oo-software.com/en/special/kdt562

The O&O SSD Migration Kit enables an easy and convenient migration of your partitions (drives) from conventional hard drives to SSDs (Solid State Drives). This leads to the creation of a duplicate of the selected drives on the SSD or on a drive of the SSD.
Registration for your FREE license of SSD Migration Kit

Please simply fill out the registration form and send it to O&O Software. As soon as we receive it we will send your free license code for SSD Migration Kit direct to your e-mail address. Please click on Submit Form to get your free license.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 102 Replies: 0 Highest suction of any handheld patented root cyclone technology that doesnt lose suction power as you vacuum
Free bonus accessories - including soft dusting brush to remove dust and allergens from flat surfaces, delicate areas and upholstery
Powered by the Dyson digital motor, which spins up to 3 times faster than conventional motors
Lightweight and ergonomic - only 2.92 lbs. with balanced weight distribution, for easy handling
22.2 Volt lithium-ion battery releases charge evenly with no drop off, recharges up to three times faster than others
Dual power mode 15 minutes of high constant suction or 6 minutes of maximum power for more difficult tasks
LED battery indicator flashes when theres less than one minute of power left
Hygienic bin emptying just push the button to release the dirt
No extra costs lifetime filter that doesnt need replacing just wash every month

www.homedepot.com/p/Dyson-DC34-Cordless-Handheld-Vacuum-with-Bon...
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g: 0 Posted By: Farfisa850
Views: 239 Replies: 0 http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&...

LED technology for richer colors and more vivid details
Slim frame design looks great on a wall or table stand
Up to 50% more energy efficient than conventional LCD TVs*
1080p Full HD resolution for a crystal-clear picture
TV without stand (Width x Height x Depth): 34.92-Inch x 20.78-Inch x 2.95-Inch, TV with stand (Width x Height x Depth): 34.92-Inch x 22.64-Inch x 7.99-Inch

LED TV Deals

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g: 0 Posted By: tedhawkins
Views: 169 Replies: 0 Louis Garneau Women's CFS-300 Road Shoes $110.49 (reg $299.99) performance bike

http://www.performancebike.com/bikes/ProductDisplay?catalogId=10...

Extra 15% OFF discount seen in cart

Louis Garneau CFS-300 road shoes are the ultimate in customized fit, comfort and power transmission. Just pop these shoes in a conventional oven to soften the heat-moldable uppers, remove the shoes after a few minutes, insert your feet, and secure as you normally would. Shoes adapt to your feet as they cool for a perfectly tailored fit. Carbon outsole, side vents, heel retention, interchangeable insoles and ratchet positioning promote comfort and high-efficiency output.

100% heat-moldable system is adaptive to any foot, user-friendly and can be repetitively molded by conventional household means (moldable at 150 F/65 C)
Exo-Jet carbon outsole with molded arch support blends lightweight comfort and rigidity with incredible power transfer
Patented multi-vent system is integrated into the outsole for excellent heel-to-toe airflow
Varnished microfiber leather and nylon mesh upper delivers lightweight support, continuous air circulation and waterproof protection
Ergonomic, thermoplastic molded toe area with 2 side vents provide excellent protection, ventilation and durability
HRS-100 system reinforced with a 0.6mm membrane maintains heel positioning and offers a secure fit through a reinforced heel retention strap which integrates with the mid-level strap
Ergo Air interchangeable insoles let you adjust accordingly to cold or warm conditions
Laterally and vertically adjustable EVA foam padding integrated with ratchet repositioning for an optimized fit
Position your cleat using the visual display (compatible with Dura-Ace, Time, LOOK and Speedplay cleats)
Includes CoolMax Ergo Air Cool Stuff (blue) and Hot Stuff (red) insoles
Includes toe covers and shoe bag with molding instructions
Shoes Deals

Performance Bicycle Coupons
g: 0 Posted By: ctgolfer
Views: 120 Replies: 0 The LB7200 is a gorgeous screen either on or off. With LG's cinema screen design that gives you an ultra-narrow bezel, virtually all you see is picture. This Full HD 1080p, LED TV shows amazing clarity and color detail. And, with LG's latest Smart TV there is plenty to watch from content providers like Netflix, Hulu Plus and YouTube all easily accessed with our fun to use Magic Remote with voice recognition. Now it is easy to search and select content across all apps at the same time. With an MCI of 960 this TV showcases bright, true-to-life colors all while ensuring the fastest action scenes have virtually no motion blur.

IPS PANEL - Make any seat the best seat in the house with a clearer and more consistent image at wide viewing angles compared to conventional screens.

MCI 960 - Excellent motion clarity to provide superior sharpness in fast motion video including sports and videogames.

LED BACKLIGHTING - LED makes TVs slimmer, while also delivering amazing brightness, clarity and color detail.

Product Details:

PICTURE QUALITY

Full HD 1080p Resolution
Micro Pixel Control
MCI 960
TruBlack Control
Triple XD Engine
Resolution Upscaler
LG SMART TV

Magic Remote Control
Premium Content
WebOS
App Store
Search/Reccomendations
Auto Input Recognition
Web Browser
SMART SHARE

Media Share
Screen Share
LG CINEMA 3D

CONNECTIVITY

3 HDMI Connections
3 USB Connections
Wi-Fi Built-in
1 Component In
1 Shared Composite in (AV)
AUDIO

2.1 Speaker System
Built-in Subwoofer
24W Output Power
Sound Sync
ENERGY STAR QUALIFIED

Product Specifications:

DIMENSIONS / WEIGHTS
TV without Stand (WxHxD) 48.46" x 28.27" x 2.17"
TV with Stand (WxHxD) 48.46" x 30.28" x 9.72"
Shipping Dimensions (WxHxD) 51.73" x 31.02" x 6.22"
TV without Stand Weight 40.8 lbs
TV with Stand Weight 41.9 lbs
Shipping Weight 52.9 lbs

www.ebay.com/itm/321413742104
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Best place to get a conventional renovation mortgage
Added on : Wednesday May 28th 2014 03:00:06 AM
g: 0 Posted By: lazyace
Views: 0 Replies: 0 I am considering buying a condo that need a complete rehab, or at the very least new baths and kitchen. This is an estate sale and the building is not FHA approved. What is a good place for a conventional renovation loan? I know Wells Fargo is offering them, but are they an OK lender? From what I have read, there are many potential problems that could arise in the process, so a decent level of customer service is essential.

I am also an immigrant and a first time buyer i.e. no experience with home ownership, lenders, or contractors. This kind of project seems too ambitious, but I have been looking for a long time and pretty much everything about this condo is perfect other than the fact that it needs work. Any and all advice will be greatly appreciated.
g: 0 Posted By: ctgolfer
Views: 40 Replies: 0 Capture Incredible Details with 52x Zoom

We know that a powerful optical zoom lens is a critical feature in any camcorder which is why the Samsung F90 comes with a 52x optical zoom lens. It brings you as close to the action as you need to be and ensures that every image is as clear and crisp as you remember them. Plus, we've added additional pixels from the image sensor to the existing optical zoom.

720p HD Movie Recording

Experience the same clarity you do while watching high definition movies - with your own videos. 1280 x 720 30p HD recording offers 2.5x better resolution than conventional standard definition camcorders. Since video is captured at 30 frames per second, you'll enjoy a cinematic-like presentation - especially when played back on your large screen HDTV or desktop HD monitor.

One Touch Sharing Button

Capture your most memorable moments and share with friends and family. Simply connect the camcorder to a PC, select your files, and press the One-Touch Sharing Button to quickly upload your videos to YouTube.

Bookmark Your Favorite Scenes

Play back your favorite moments of a night out with friends or your hike through the woods - without having to waste time fast-forwarding or rewinding. The My Clip feature allows you to tag any scene in your video, so you can instantly relive the most hilarious bits or amazing sights over and over again - with no additional editing.

Customize Your Movie Clips

Add a professional touch to your movies with My Music. Select one of four preloaded classical pieces to score your videos. Or import songs from your PC's music library by using Samsung's Intelli-Studio. And if there's talking in the scene, it won't get drowned out by the score. Smart BGM ? automatically lowers the music, so you always hear whoever is speaking.

More Natural Colors in Every Image

Whether lush greens in a garden, cool blues of an ocean, or a ruby-toned party dress, accurately capture the many colors of life. The F90 features a CMOS Sensor, which filters light into separate red, green and blue elements for color reproduction that is richer, deeper, and more natural looking than any taken with a CCD Sensor. You'll also enjoy clearer images, with no vertical smears.

Take a Break in the Action

When shooting a long video, like a baseball game or a child's play, you'll probably want to take a break for any long pauses or intermission. With the Record Pause feature on the Samsung CAMCORDER, you can pause the recording and then pick up right where you left off without creating a new file. This way you only have one file to work with and don't have to merge files for editing, sharing or transferring.

Time Lapse

The Time-Lapse recording feature is fun and easy to use. By taking still frames at preset intervals and then putting them in sequential order, the Samsung CAMCORDER is able to create a video file that condenses hours of recording such as sunset or sunrise into minutes of viewing.

2.7"(67.5mm) LCD

With the wide 2.7"(67.5mm) LCD display, you can see everything in the shot - even when you're next to the camcorder. That's because the LCD display features a wide viewing angle that lets you see images on the screen clearly while you shoot, even when you're looking from the side, above, or below.

USB Charging

Simply connect the Samsung F90 to a PC's USB port, turn on the PC, and your camcorder will start recharging. This intelligent feature gives you the freedom to shoot, share, and recharge from almost anywhere.

F1.8

The Samsung F90 comes with an F1.8 lens that ensures high-quality video, even in low light conditions. Whether you're shooting an intimate, candle-lit dinner in a restaurant or a setting sun at dusk, the bright, wide aperture lens captures sharp, crystal-clear images every time.

www.buydig.com/shop/product.aspx?sku=E2SAMHMXF90K
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g: 0 Posted By: ctgolfer
Views: 120 Replies: 0 shipping adds $5

AM02 tower fan generates a constant flow of smooth air to cool the whole room
It uses Air Multiplier technology to draw in and amplify air 16 times
There are no fast-spinning blades, so AM02 is safe and easy to clean
Airflow is fully adjustable, and there's oscillation and remote control
Air Multiplier technology:

Dyson fans work very differently to conventional electric fans, they dont have fast-spinning blades that chop the air and cause uncomfortable buffeting
Instead, AM02 tower fans use Air Multiplier technology to draw in air and amplify it 16 times, producing an uninterrupted stream of smooth air
Air is drawn in by an energy efficient, brushless motor
A combination of the technologies used in turbochargers and jet engines generates powerful airflow, which is accelerated through an annular aperture
Airflow passes over an airfoil shaped ramp, causing it to draw in and amplify air from around and behind the machine
No choppy air:

Because Dyson fans dont have blades, they dont chop the air before it hits you
Airflow is smooth, with no unpleasant buffeting
Remote control:

Quickly adjust airflow power and oscillation
The remote control unit is curved and magnetized to store neatly on top of the loop amplifier
Safe:

There are no fast-spinning blades on a Dyson Air Multiplier fan
Its safe to use, and doesnt need a safety grill for protection
Easy to clean:

Ordinary fans have safety grills to guard their fast-spinning blades
They collect dust and are fiddly to take apart and reassemble when you want to clean them
Dyson fans dont have blades or grills
Simply wipe clean with a cloth
Dimmer-switch control:

Conventional fans have limited power settings usually just three or four, one of which is off
A Dyson fan allows you to precisely adjust airflow to suit your personal comfort

www.woot.com/offers/dyson-air-multiplier-2-colors



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woot! Coupons
g: 0 Posted By: ctgolfer
Views: 63 Replies: 0 AMAZING ANGLES WITH IPS
In-plane Switching (IPS) technology delivers higher color fidelity than conventional TN (Twisted Nematic) panels. That means image and color consistency from almost any angle. You can share videos, photos, games, and more free of distortion with striking 178 horizontal and 178 vertical viewing angles.

BEAUTY AND BRAINS
The unique, micro-thin profile fits virtually anywhere without taking up valuable space. Stay connected to current and evolving devices with easy access to built-in VGA, digital DVI and HDMI inputs.

OUTSTANDING IMAGE QUALITY
Featuring full HD 1920x1080 native resolution, 10000000:1 dynamic contrast ratio and 250 cd/m2 brightness, the HP Pavilion 25xi 25-inch LED Backlit Monitor delivers sharp images and bright, life-like pictures.

www.newegg.com/Product/Product.aspx?Item=N82E16824276020
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g: 0 Posted By: a973352
Views: 155 Replies: 0 Cheap-Thermocamis having an Early Bird sale Friday, May 23, 2014 at 18:00 Central European Time. That's 10:00am Pacific Daylight Time, or 1:00pm Eastern Daylight Time. It's available fully assembled or as a kit. The price for the first 10 fully assembled units is 199.90 Euros, or 272.92 U.S. Dollars at the current exchange rate. No tax, free shipping. After the first 10 sell, the prices are as follows:

Kit: 249.90 Euros (341.09 USD)
Assembled: 349.90 Euros (477.54 USD)

The reason this camera is cheap is because it is not a conventional thermal camera. It works by using a servo to move a cheap non-contact thermometer across a Target area. It looks cheesy and slow, but the sample pictures look surprisingly good.
www.cheap-thermocam.netsaid:

Features of version 3

The Cheap-Thermocam is a portable and easy to use thermographic scanner. It is controlled by a 32-Bit ARM Cortex mikrocontroller. 262k of flash space and 100Mhz clock rate offer plenty of speed for the device. Two servos move the infrared sensor over the Target area, in vertical and horizontal direction. The resolution of the thermographic image is 64x48 pixel (= 3072 single measured points) and is interpolated to an output picture of 640x480 pixel. The device also has a 3.2 inch touch screen with an intuitive appliance.

The Thermocam is powered by a 1800mAh lithium polymer battery. You can recharge it with the enclosed USB cable. Data and Images are stored on a microSD card. An optical image from the integrated CMOS camera can be added to the thermal image in order to see where the heat spots actually are. After the measurement process, you can modify your images and then save them as a BMP image on the card. An optimized gaussian blur filter takes the temperature points and interpolates them, so that the intersection between the spots become very smooth. New Software features will be added regularly. You can upgrade the device firmware on any Windows PC over USB, its very easy.

The self-assemble kit includes everything you need to build the Cheap-Thermocam V3 on your own.

Content:

MLX90614 Infrared Sensor (pre-flashed)
ARM Cortex M3 Processor
3.2 inch color touch screen
Printed circuit board
3D printed sensor and laser mount
Red dot Laser
1800 mAh Lithium battery with step-up converter
JPEG Camera Module
2 x Servo + Pan/tilt Brackets
Tripod + socket
microSD Card + USB card reader
microUSB Cable + USB wall charger (EU)
Case out of black acryl plastic
Cables, Bolts & Nuts, Switch and required electric parts





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g: 0 Posted By: MISTERCHEAP
Views: 170 Replies: 0 Sears Auto

www.sears.com with coupon $14.99 Conventional Oil Change (+ tax and any applicable disposal/shop fees)

on Front Page of memorial day ad, link s/b up in AM to print from online.
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Free Kindle Book - Changin Times: 101 Days That Shaped a Generation
Added on : Wednesday May 21st 2014 07:00:06 AM
g: 1 Posted By: remick
Views: 82 Replies: 0 http://www.amazon.com/dp/B00KDHP0IW

Fifty years on, November 22, 1963 continues to resonate. For most of us, that was when America lost its youthful leaderas well as a certain amount of innocence. But it was also the day that, over in Britain, the making of a cultural tsunami was taking shape. That Friday saw the release of With the Beatles, the second album from what would soon be called Englands Phenomenal Pop Combo.

The story of the New Frontier giving way to the British Invasion is thus inextricably intertwined in public memory. Sadness and loss were soon eclipsed by joy and exhilaration brought on by this novel act when they arrived in the states months later. On February 9, 1964, it is no exaggeration to say that America was once again united before their television sets in a way they hadnt been since the awful events of the previous autumnthis time, for more positive reasons.

The Beatles debut on The Ed Sullivan Show was a watershed event that quite literally changed countless lives. But in the years since that momentous occasion, conventional wisdom has conflated the two events: the youth of America got over their grief when these four youngsters from Liverpool cheered them up with their exuberance and charm. It was as though without a national tragedy first occurring, the road to the groups success and acceptance here might not have happenedat least not on the same hysterical scale.

As detailed in Changin Times: 101 Days That Shaped A Generation, pop culture historian Al Sussman challenges this media-fueled mythology, describing the cultural British Invasion already well underway before President Kennedy ever went to Texas. Likewise, the notion that the December 1963 success of The Singing Nuns Dominique, chalked up to a mourning country in no mood for rock n roll, is belied by The Kingsmens inscrutable Louie Louie simultaneously dominating local markets.

Changin Times takes you on a journey back to a very singular moment of transformation in American Historyfor a generation, and for the world as well. Sussman leaves no cultural touchstone unturned, revealing how, in Dylans words, the times they are a-changin was no overstatement.
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g: 0 Posted By: lxjing
Views: 113 Replies: 0 Purchased it today from Sears at Nashua, NH for $42.49. There were at least three left.
http://www.sears.com/ninja-3-in-1-cooking-system/p-00826533000P?...

Description Item # 00826533000P Model # MC701
Serve Up Incredibly Juicy and Tender Meals With This 3-in-1 Cooking System

The Ninja 3-in-1 cooking system uses triple fusion heat distribution to surround the food so it cooks faster and finishes juicier with fabulous flavor. This cooking system lets you steam roast, perform stovetop cooking or use the "searious" slow cook to complete meals to perfection. The six-quart pot can hold a lot food including meats and vegetables. Steam-infused roasting cooks at a rate that is 30 percent faster with 30 percent less fat than conventional ovens.

The 3-in-1 cooking system can provide delicious family meals in 30 minutes with everything ready at the same time. The surround heat rises from the bottom and sides for even distribution. The cooking system has six convenient functions: steam roast, bake, sear, slow cook, simmer and saute. There is a six-hour timer and a programmable slow cooker with low, high and buffet settings plus a "keep warm" feature.

The Ninja 3-in-1 cooking system prepares meals with triple fusion heat that cooks meals faster and keeps food juicier...
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UCLA vs USC Decision
Added on : Thursday May 15th 2014 04:00:06 PM
g: 1 Posted By: mateoeyoo
Views: 102 Replies: 2 Hi everyone, I'm a 2nd year community college student and I'm transferring after this Spring semester. I'm interested in Business (accounting and finance), and I have been admitted to UCLA and USC. Hopefully some of you can give me some insight on which decision would be the better choice for me.

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

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

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

Thank you in advance.

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

Edit 2: I don't plan to stay at either university for more than two years.
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Cruise ship injury, consulted a lawyer, what would you do? [PIC]
Added on : Wednesday May 14th 2014 09:00:06 PM
g: 0 Posted By: TrueKnight
Views: 12 Replies: 0 Gonna make this short. My mother is 65. She was on an international cruise in which she slipped and fell due to the deck being icy and wet (weather). As a result, she suffered a fractured spinal disc and had to get Kyphoplasty surgery.

Surgery and medical expenses was approximately $66k. We contacted the cruise-line for reimbursement but the customer care department said they do not cover any medical expenses once the passenger has returned to their own countries (United States). The cruise line recommends that she contact her own insurance. She does not have insurance. Her insurance actually lapsed while she was on travel (partly due to Obama care that her premiums skyrocketed and we wanted to wait until she returns to figure out how to sign up for one of the ACA plans). Sorry to digress. Consulted with an attorney. He said that due to the itinerary of the cruise not stopped at a U.S. port, there is a cap on damages set by the Athens Convention which is about $70k. He also mentioned that in cases like this, the cruise line knows that their max liability would be $70k and settlements will be low since if the case is not settled and they're found liable, the most they would be out would be $70k any ways. Lawyer's retainer fee is 33.3% of reward if it gets settled and 40% of reward if it goes to trial. We're in California. Attorney is in Florida. What would you do?

Some initial thoughts and counter-thoughts:
1. Find an attorney with lower retainer?
>>>Not likely since I think 33.3% is pretty standard.
2. Bombard cruise-line and cruise-line's parent company with emails / calls requesting reimbursement?
>>>Many cruise-lines are of European origin so unless we can make a global impact, I am doubtful we will find resolution.
3. Represent ourselves and sue?
>>>I've done small claims and I don't think this is the same kind of animal. Plus I think it needs to be filed in Florida where the cruise-line has an office/presence.

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g: 0 Posted By: ArtieLange
Views: 105 Replies: 0 Bush Cobra Corner TV and Video Base for TVs up to 36" $89.00 free pickup WalMart

http://www.walmart.com/ip/Bush-Cobra-Corner-TV-and-Video-Base-fo...



This stylish and functional Bush Cobra Corner TV and Video Base for 36 Inch TV Stand is crafted of sturdy metal and tested for stability. It accommodates most 36-inch TVs with plenty of shelf space below for video players and other storage. The back panel features wire grommets that conceal unsightly cables, maintaining a sleek look that fits in anywhere. Easily and neatly store your media components, DVDs, games, remotes, gaming accessories and more to make your TV room a lot more organized, and watching and gaming much more fun.
Bush - Cobra Corner TV and Video Base:

Sturdy metal frame construction
Durable Gloss Black powder coat finish
Tested for anti-tipping
Accommodates most 36" conventional TVs up to 240 lbs
Two lower shelves for video players and storage
Back panels with wire grommets conceals cables
Bush Corner TV Stand model# VS44936-03

Televisions sold separately.

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g: 0 Posted By: MISTERCHEAP
Views: 217 Replies: 0 print coupon, valid to 5/31
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g: 0 Posted By: MISTERCHEAP
Views: 110 Replies: 0 print coupon, valid to 5/31
g: 0 Posted By: ctgolfer
Views: 189 Replies: 0 ➧ Dual power mode gives longer run time or extra suction for stubborn dirt
➧ Uses much less energy than conventional motors
➧ Bagless, cyclonic vacuum cleaner uses root cyclone technology for constant powerful suction with each charge
➧ Dyson proves no loss of suction using a test method based on IEC 60312 Cl 2.9 test standard
➧ Up to 3-times faster recharging with 22.2-volt lithium-ion battery technology
➧ Hygienic and quick-to-empty design, minimizes contact with dirt
➧ Lifetime filter never needs to be replaced
➧ Includes crevice tool, upholstery tool and charger
➧ Clear bin is made from tough polycarbonate
➧ Durable construction with lightweight, ergonomic design
➧ LED battery indicator light
INCLUDES:

Dyson DC31 Yellow Handheld Vacuum
Crevice Tool
Upholstery Tool
Charger
Owners Manual

www.ebay.com/itm/121330505135
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g: 0 Posted By: ctgolfer
Views: 146 Replies: 0 shipping adds $5

Root Cyclone Technology for No Loss of Suction

Dyson vacuum cleaners dont rely on bags to trap dust and dirt
They use patented Root Cyclone technology, which spins the air at incredibly high speeds
The cyclones inside a Dyson vacuum cleaner generate centrifugal forces many thousands of times the force of gravity
Dust, dirt, and pet hair are flung out of the airflow and straight into the bin
No bag, no loss of suction
Dyson Digital Motor:

Smaller, Lighter, More Power-Efficient DC44 Animal is powered by an intelligent Dyson digital motor
Its smaller, lighter, and faster than conventional electric motors
The Dyson digital motor in DC44 Animal spins up to three times faster than conventional electric motor
It makes DC44 Animal the most powerful cordless vacuum
Motorized floor tool with carbon fiber filaments:

The motorized floor tool on DC44 Animal has two types of brushes
The anti-static carbon fiber filaments remove fine dust from hard floors
Stiff nylon bristles remove ground-in dirt from carpets
Articulating Cleaner Head:

The cleaner head pivots 180 without losing floor contact
A self-adjusting sole plate maintains optimum contact from floor to floor
And V-Ball technology enables smooth steering around furniture and obstacles
No more awkward moves
Detachable Long-Reach Wand:

The wand is made from lightweight aluminum
It reaches high, low and into awkward gaps - ideal for floor to ceiling cleaning
You can also remove the wand and attach the motorized tool for quick clean-ups around the home and for removing dirt and dust from the car
No Extra Costs:

Most other cordless and handheld vacuum cleaners are still designed to need replacement bags and filters - and the cost soon adds up
DC44 Animal uses patented Root Cyclone technology, which spins dust and dirt from the air straight into the bin
With no bags or filters to replace, there are no extra costs to worry about

www.woot.com/offers/dyson-dc44-animal-cordless-vacuum-cleaner-bl...
Appliance Deals

woot! Coupons
g: 0 Posted By: ctgolfer
Views: 54 Replies: 0 $399.99 in-cart but get $50 off with promo code: SEARS50

The industry's most energy efficient dishwashers These dishwashers use nearly 1/2 less water and energy without compromising performance (Based on Energystar.gov published annual energy usage of Whirlpool Resource Efficient models versus competitive dishwashers MSRP $749 and below. Compared to a conventional dishwasher manufactured before 2006)
Automatically select the right wash and dry settings for your load The Sensor cycle uses two separate sensors to measure temperature, soil level and load size once during the prewash and once during the wash cycle. Cleans tough soils 35% better while using just the right amount of time, energy and water, helping you have more time to do what you love (Compared to previous wash system)
Clean dishes when you need them Now thanks to the Top Rack Wash option, you can save time and energy by washing dishes in the top rack rather than waiting for a full load
100% usable rack space Our improved AnyWare Plus silverware basket now holds up to 12 more pieces of silverware for maximum flexibility and is designed to clean better. Place the silverware basket in the bottom rack, on the front of the rack, or use it in the door for 100% usable rack space. Its improved design also allows you to access small silverware and easily place the basket on the counter for unloading
Our quietest line of dishwashers ever Equipped with our Quiet Partner sound packages and sound-reducing insulation, these models minimize noise, so you can run the dishwasher without it interfering with your daily routine
No One Has Fewer Repairs 15 Years In A Row Whirlpool dishwashers are designed to endure repeated use and to deliver years of reliable performance (According to a leading consumer magazine)
Save on your energy bills This CEE Tier 2 qualified and ENERGY STAR qualified appliance uses up to 20% less energy than dishwashers without the ENERGY STAR rating (Based on the Consortium for Energy Efficiency product qualifications. Visit cee1.org for more information)
Ensure your dishes are clean and sanitized The Sani Rinse option uses a NSF certified, high-temperature rinse to eliminate 99.999% of food soil bacteria

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Appliance Deals

Sears Coupons
Wall Control 30-WRK-400 GVB Pegboard Tool Storage Kit $79.99 @ Woot
Added on : Sunday April 20th 2014 10:01:55 PM
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 shipping adds $5

Over 10.5 square feet of pegboard storage space
Total tool storage area covers 48" x 32"
Over 10 times stronger than conventional pegboard
Accept conventional 1/4-inch pegboard pegs as well as Wall Control slotted pegboard hooks, brackets, shelves, and supplies
Preformed 3/4-inch return flange separates panel surface from the wall
Panels mount directly into studs or sheet rock
20-gauge steel construction with galvanized finish
Easy to install, no frame required
Pre-drilled mounting holes on 16-inch centers
Made in the USA

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Daily Deals

woot! Coupons
g: 0 Posted By: remick
Views: 34 Replies: 0 http://www.amazon.com/gp/product/B00HLAZOOE

I have been a fishing guide for a long time and have learned a lot throughout the years as a guide. When you are out fishing on a relaxing trip the stakes are not high and catching trout is just a bonus, however this isnt the case for a fishing guide. In order to pay bills you have to catch trout. This demanding task has given me a lot of unconventional ways of catching trout that most people wouldnt have thought of. You can now learn all my best tactics and techniques to catch trout.
I have spent 30 years fishing over 100 days per year to gain the knowledge to create this book. I am certain you will find some useful information that will help you catch more trout than you could ever imagine.
Dyson DC35 Cordless Multi Floor Vacuum - 3 Colors $179.99 @ Woot
Added on : Thursday April 17th 2014 07:00:02 PM
g: 1 Posted By: ctgolfer
Views: 35 Replies: 1 shipping adds $5

Root cyclone patented technology doesnt lose suction power as you vacuum
Weighing a mere 4.85 pounds and is cordless offering you greater freedom
Fade-free 22.2V lithium-ion battery releases charge evenly throughout use and recharges up to 3 times faster than others
Powered by the Dyson digital motor up to 3 times faster than conventional motors
Dual Power Mode provides 15 minutes of high constant suction (13 minutes with motorized floor tool attached) or 6 minutes on MAX power for more difficult tasks
Detachable long-reach 26.1 " wand cleans up high, down low and in tight gaps
Ideal for quick, flexible cleaning on all floor types, stairs, upholstery and inside the car
Powerful centrifugal forces spin dust and dirt out of the air and into the bin
Debris nozzle converts to a brush tool for dusting
High velocity airflow crevice tool ideal for cleaning base boards and in-between furniture
Hygienic and quick to empty, with no need to touch the dirt. Just push the button
Lifetime filter never needs to be replaced. Just wash every 3 to 6 months
Docking station stores and recharges vacuum and stores attachments
Motorized Floor Tool

Motorized floor tool with carbon fiber brushes
Ultra-fine, anti-static carbon fiber brushes clean hard floors
Rotating nylon brushes remove ground-in dirt from carpet
Pivots 180 degrees without losing contact with floor
Cleaner head stays flat to the floor when pulling backward and when vacuum is fully reclined for maximum suction under couches, beds, etc.
Velour bumper protects furniture and walls

www.woot.com/offers/dyson-dc35-multi-floor-vacuum-3-colors
Daily Deals

woot! Coupons
Empty lot, thinking about building TH and sell them
Added on : Monday April 14th 2014 07:00:07 AM
g: 0 Posted By: freejunkmail
Views: 74 Replies: 1 My family owns a dump in a re-developing area. The house itself has been vacant for years and is all messed up, totally worthless. The land, however, is quite sizable at approx 1 acre. My realtor says I can sell the land for $150000.

After touring around the area, I noticed there are a lot of new TH built. The asking price is in the 200's. It got me to think if I hire contractor to build a set of TH and sell them, maybe it can be much more profitable? Not sure about that particular area, but the housing market for the whole city is in good shape. I have visited many sites, but all of them talk about building single-family houses. I have yet to find a guide about building a set of TH. So the helpful FW forum springs to mind.

Here are my pros and cons analysis:
Pros: I own the land to myself. My schedule is flexible. I have good credit score. I also got some disposable cash, around 200k.
Cons: Have no experience in construction whatsoever.

So far that's all I can think of. Maybe I'm missing some important factors. My main questions are:
How many 2 story, 1600sqft, 2-3br TH will fit on the lot? I set that parameter because it seems like the popular type in the neighborhood.
How much money can I borrow from the bank, with the land being the collateral. How much more do I have to put in.
How long does such project usually take?

Since they will all be up for sale, I don't have any personal preference. Anything conventional will do. Please offer your thoughts. Thanks!

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

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

Reasons:

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

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

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

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

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

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

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


Investing Deals
g: 0 Posted By: st4rdust
Views: 148 Replies: 0 The revised and expanded edition of Freakonomics (and Other Riddles of Modern Life),by Steven D. Levitt and Stephen J. Dubner, is available for $1.99.

Kindle Edition from Amazon
Android Edition from Google Play
Nook Edition from Barnes & Noble



For those of you who haven't read this book, I highly recommend it. I found it fascinating. 339,759 users at Goodreads gave it3.86/5 stars.

Here's Amazon's blurb:

"Which is more dangerous, a gun or a swimming pool? What do schoolteachers and sumo wrestlers have in common? Why do drug dealers still live with their moms? How much do parents really matter? How did the legalization of abortion affect the rate of violent crime?These may not sound like typical questions for an econo-mist to ask. But Steven D. Levitt is not a typical economist. He is a much-heralded scholar who studies the riddles of everyday lifefrom cheating and crime to sports and child-rearingand whose conclusions turn conventional wisdom on its head.Freakonomicsis a groundbreaking collaboration between Levitt and Stephen J. Dubner, an award-winning author and journalist. They usually begin with a mountain of data and a simple question. Some of these questions concern life-and-death issues; others have an admittedly freakish quality. Thus the new field of study contained in this book: freakonomics.Through forceful storytelling and wry insight, Levitt and Dubner show that economics is, at root, the study of incentiveshow people get what they want, or need, especially when other people want or need the same thing. InFreakonomics, they explore the hidden side of . . . well, everything. The inner workings of a crack gang. The truth about real-estate agents. The myths of campaign finance. The telltale marks of a cheating schoolteacher. The secrets of the Klu Klux Klan.What unites all these stories is a belief that the modern world, despite a great deal of complexity and downright deceit, is not impenetrable, is not unknowable, andif the right questions are askedis even more intriguing than we think. All it takes is a new way of looking.Freakonomicsestablishes this unconventional premise: If morality represents how we would like the world to work, then economics represents how it actually does work. It is true that readers of this book will be armed with enough riddles and stories to last a thousand cocktail parties. ButFreakonomicscan provide more than that. It will literally redefine the way we view the modern world."
Books Deals

Amazon Coupons
g: 0 Posted By: jskins
Views: 16 Replies: 0 TOTO Drake Elongated Bowl and Tank, Cotton White (CST744S#01) - $179.62 with Free Shipping at Amazon. 4.6/ 5 Stars based on 256 customer reviews.

Contemporary, high profile design
Quiet, powerful, commercial grade flushing performance
Wide 3-Inch flush valve is 125-Percent larger than conventional 2-Inch flush valves
Wider, 2-1/8-Inch computer designed, fully glazed trap way
Large water surface




g: 0 Posted By: remick
Views: 51 Replies: 0 http://www.amazon.com/gp/product/B001UE7D0K

4.4 out of 5 stars (101 customer reviews)

The number one selling Mind Map book on the Kindle is on its 3rd version. Version 3.0 is the ultimate resource on the topic of mind maps with more innovative uses, examples, and illustrations than any other book.

Also includes links to numerous free mind mapping software - no need to buy, subscribe, or submit proof of purchase. Plus a bonus section that will triple your current reading speed and comprehension in a matter of minutes.

Mind Mapping is a note taking system which allows you to take better, faster, and more efficient notes. In conventional note-taking, you write down information line by line. With Mind Maps, you organize the information more in the form of a diagram, starting with a central key idea drawn in the center of the paper.

In addition to enhancing your note taking skills, Mind Maps help you improve your studying, writing, presenting, brainstorming, and creative skills. It is one of the best note taking skills anyone can learn.
Totally Free Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/gp/product/B00IOE91F4

Overview Financial Accounting-Meaning & Accounting Process
A Self Study Theory book with Quick Revision through Multiple Choice Questions followed by individual answers and specific explanations for each answer. The book adopts a fresh and unique approach for the beginners to the study and grasp the meaning and process of Accounting. It highlights an insight step-wise procedural details to the students, entrepreneurs, professionals and business persons. It has been written in a simple language with Teach Yourself Style strictly following a student-friendly approach, and is essential meant to serve as a Tutor at Home. It has fully solved scanner containing 18 Chapter divided into120 Sections with about 500 Headings for individual paragraphs, and more than 1500 solved MCQs with rationales along with Answers.
TABLE OF CONTENTS
1. Meaning & Scope of Accounting
2. Accounting Concepts, Principles & Conventions
3. Documents & Books of Accounts: Invoice, Vouchers, Debit &Credit Notes.
4. Process of Accounting
5. Classification of Accounts
6. Concepts of Debit & Credit
7.Accounting equation
8. Day Books-Journals
9. Subsidiary books-Purchase, Sales & Returns
10. Cash Books
11. Ledger
12. Trial Balance
13. Capital & Revenue Expenditure and Receipts
14, Contingent Assets and Contingent Liabilities
15. Errors & Rectification of Errors
16. Bank Reconciliation Statements
17. Depreciation Accounting
18. Final Accounts of Sole Proprietor
g: 0 Posted By: ctgolfer
Views: 56 Replies: 0 discounted price automatically shows in cart

store pick-up only so YMMV

www.pepboys.com/product/details/306016/00437/
Tools & Automotive Deals
g: 0 Posted By: ArtieLange
Views: 202 Replies: 0 Coboc CL-AD-DP2VGA-6-BK DP DisplayPort to VGA Video Adapter Converter $11.99 shipped W/Code EMCPGHC84 at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16812423001&...

This is a DisplayPort to VGA signal format active adapter for interfacing next generation DisplayPort based PC and notebook computers with conventional VGA displays, such as CRT, LCD monitors, and projectors.
Electronics Deals

Newegg Coupons
Mitchell 300Xe Classic Series Spinning Reel $24.99 at Cabelas
Added on : Wednesday March 26th 2014 12:00:05 AM
g: 0 Posted By: ArtieLange
Views: 100 Replies: 0 Mitchell 300Xe Classic Series Spinning Reel $24.99 at Cabelas

http://www.cabelas.com/catalog/product.jsp?productId=703215

Advanced polymetric body and rotor
Comfort Touch body coating for comfortable handling all day
Instant anti-reverse for immediate hooksets
High-performance gearing ensures perfect gear mesh
Multidisc drag system for smooth performance
Oversized bail wire, line roller for strength, durability, reduced line twist

The Mitchell 300Xe exemplifies a heritage of innovation and advanced technology, enhancing the joy of fishing through simple design, user friendly features and proven quality. The "e" stands for "evolution" and the Mitchell 300Xe has evolved to reach the pinnacle of performance and simplicity while maintaining its status as one of the best values on the market. The advanced polymetric body and rotor is stronger than conventional polymetric and graphite materials, and the Comfort Touch body coating makes handling it more comfortable during long hours of fishing. Instant anti-reverse for immediate hooksets. High performance gearing for perfect gear mesh, smoothness and durability. The multidisc drag system provides precise adjustment and consistent performance. The oversized bail wire and line roller is designed for increased strength, durability and reduction of line twist and the NeverFail compression bail spring maximizes reliability.
Sports & Outdoors Deals

Cabela's Coupons
g: 0 Posted By: Redbeard25
Views: 255 Replies: 0 http://www.southwestvacations.com/deals/deal.aspx?deal=1041&intc...

Gimme some peanutty, hot dog song green!


Immerse yourself in a world where dreams come true, with four Theme Parks, two Water Parks, over 20 Resort Hotels and almost endless recreation. Theres no better place to Show Your Disney Side than at the Walt Disney World Resort

Add a three or more day Theme Park ticket to your flight + hotel vacation package, and save 10% on select Theme Park tickets when staying at an onsite Walt Disney World Resort Hotel and using the promotion code WDWTIX10 at the time of booking.1

For example, a family of four can save up to $148* when including four 5-day adult Park Hopper Tickets with their vacation package. Adult theme park tickets are for guests ages 10 and up.

Book: 3/18/14 - 3/31/14 by 6:00 p.m. CT
Travel: 3/19/14 - 10/31/14
One-day advance purchase is required.
Additional savings are available based on varying ticket types and length of ticket.

Plus, save up to 30% at select Walt Disney World Resort Hotels when traveling 3/19/14 - 6/15/14.**

Visit the Add-ons section in the checkout process to add theme park tickets to your vacation package.


Customized vacation packages include:

Roundtrip flight via Southwest Airlines to Walt Disney World Resort via Orlando
Hotel accommodations (including taxes)
Disney's Extra Magic Hours2
Disney's Magical Express: Roundtrip airport transportation and luggage delivery







1Promotion code savings of 10% apply on any flight + onsite Walt Disney World Resort Hotel + 3-day or longer Disney Theme Park ticket vacation package. Savings is reflected in the package price when using promotion code WDWTIX10 at the time of booking. Length of stay for flight and hotel components must match. Promotion code intended for redemption by individual consumer only. Savings valid if booked 3/18/14 - 3/31/14 by 6:00 p.m. CT for travel 3/19/14 - 10/31/14. Offer is not valid on one-day or two-day theme park tickets.

**Hotel offer blackout dates: 4/13/14 - 4/19/14. Offer is valid in select DEAL room categories, and is not valid for Little Mermaid room category at Disney's Art of Animation Resort.

2Disneys Extra Magic Hours offer guests of select Walt Disney World Resort Hotels the unique opportunity to enjoy additional time in the Theme Parksabove and beyond the standard operating scheduleat no extra charge! Each day, one of the four Walt Disney World Theme Parks opens one hour early or remains open up to two hours after regular Park closing time. Additionally, Disney Water Parks offer Disneys Extra Magic Hours during select times of the year.

First and second checked bags. Weight and size limits apply. A golf bag can be substituted for one checked bag. Checked baggage fee comparison is based on Southwest = 1st and 2nd bag free vs. "The Other Guys" = 1st bag $25/one-way; 2nd bag $35/one-way; or 2 bags $60/one-way and $120/roundtrip. Source: farecompare.com.

Seats are limited and may not be available on some flights that operate during peak travel times and holiday periods. Flight and hotel rates may vary by day of week. Surcharges may apply to weekends, holidays, and convention periods. Flights available on published, scheduled service only. Rates may be subject to change until purchased. All Rapid Rewards rules and regulations apply. Discounts are valid per reservation before taxes are applied. Offer not valid on existing reservations and may not be combined with any other offer. Subject to availability. Restrictions apply. The Mark Travel Corporation is the tour operator for Southwest Vacations.

As to Disney photos, logos, properties: Disney
Restaurants & Entertainment Deals

Southwest Airlines Vacations Coupons
g: 11 Posted By: remick
Views: 1384 Replies: 1 http://www.amazon.com/dp/B00DYFHTN4

4.4 out of 5 stars (9 customer reviews)

"In order to take control of your health I recommend you make an attempt to grow your own food the Beyond Organic way."
--Jordan Rubin, NMD, PhD, New York Times Bestselling Author, Founder--Garden of Life
> Learn why most farms and gardens, even if certified organic, produce food which is not nutritious enough to keep you healthy, but by understanding the secrets of how foods can be grown to maximize their health-giving properties, you will be empowered to Create Health from the Soil Up!

> Discover an amazing and revolutionary new insight which explains why 45% of Americans have a chronic disease and how you can avoid this awful fate through totally natural means so you can enjoy Vibrant Health.

> Understand the surprising, underlying reason why 2/3 of American adults are overweight or obese, and how this problem can be overcome so one can enjoy their Ideal Body Weight.

Our foods have lost up to 70% of some nutrients in the last 70 years. Even organic foods have little more nutrient density than those conventionally grown. This loss of nutrition may explain, at least in part, our increasing health concerns. Whatever your goals and dreams in life, all will be more easily achieved when your body and mind receive the best nutrition from optimally-grown foods.

Learn how the Beyond Organic Growing System (BOGS) can produce Nutrition Grown foods, with many times the nutrient content of typical produce. See independent, third-party laboratory analyzed comparisons of Nutrition Grown foods vs. USDA food nutrient database listings. This book also brings you cutting edge research on how fruit growing methods can effect blood glucose levels in humans.

Plants must receive the optimal nutrition they need to be able to express their full potentials to create large arrays of health-giving phytonutrients. In turn, people and animals who eat these Nutrition Grown plants receive the phytonutrients they need to help them express their full potentials.


New on 3/24
Growing Marijuana For Beginners: Cannabis Cultivation Indoors and Outdoors
http://www.amazon.com/Growing-Marijuana-For-Beginners-Cultivatio...

New on 3/25

Tomato Container Gardening Tips
http://www.amazon.com/dp/B00CWRC6VA

Grow Your Own Vegetables - 3 Book Bundle: The Vegetable Growers Guide to Companion Planting: The Role of Flowers, Herbs & Organic Thinking. Raised Bed Gardening.Vegetable Container Gardening
http://www.amazon.com/Grow-Your-Own-Vegetables-Gardening-Vegetab...

Greenhouse Gardening: Learn to Greenhouse Garden: What plants grow best, how to use vertical gardening and other methods to create an optimal year round or seasonal greenhouse.
http://www.amazon.com/Greenhouse-Gardening-vertical-gardening-gr...

Raised Bed Gardening System: A book on soil, irrigation, designs and ideas for growing vegetables
http://www.amazon.com/Raised-Bed-Gardening-System-irrigation-ebo...




Books & Magazines Deals
g: 9 Posted By: remick
Views: 1239 Replies: 1 http://www.amazon.com/dp/B00DYFHTN4

4.4 out of 5 stars (9 customer reviews)

"In order to take control of your health I recommend you make an attempt to grow your own food the Beyond Organic way."
--Jordan Rubin, NMD, PhD, New York Times Bestselling Author, Founder--Garden of Life
> Learn why most farms and gardens, even if certified organic, produce food which is not nutritious enough to keep you healthy, but by understanding the secrets of how foods can be grown to maximize their health-giving properties, you will be empowered to Create Health from the Soil Up!

> Discover an amazing and revolutionary new insight which explains why 45% of Americans have a chronic disease and how you can avoid this awful fate through totally natural means so you can enjoy Vibrant Health.

> Understand the surprising, underlying reason why 2/3 of American adults are overweight or obese, and how this problem can be overcome so one can enjoy their Ideal Body Weight.

Our foods have lost up to 70% of some nutrients in the last 70 years. Even organic foods have little more nutrient density than those conventionally grown. This loss of nutrition may explain, at least in part, our increasing health concerns. Whatever your goals and dreams in life, all will be more easily achieved when your body and mind receive the best nutrition from optimally-grown foods.

Learn how the Beyond Organic Growing System (BOGS) can produce Nutrition Grown foods, with many times the nutrient content of typical produce. See independent, third-party laboratory analyzed comparisons of Nutrition Grown foods vs. USDA food nutrient database listings. This book also brings you cutting edge research on how fruit growing methods can effect blood glucose levels in humans.

Plants must receive the optimal nutrition they need to be able to express their full potentials to create large arrays of health-giving phytonutrients. In turn, people and animals who eat these Nutrition Grown plants receive the phytonutrients they need to help them express their full potentials.


Modern Rustic: Starting an Orchard: A homesteading guidebook for growing fruit trees, berries, grapes and nuts
http://www.amazon.com/Modern-Rustic-Starting-homesteading-guideb...


New on 3/24

Growing Juicy Delicious Tomatoes (Rainforth Home and Garden's Secrets and Solutions)
http://www.amazon.com/Growing-Delicious-Tomatoes-Rainforth-Solut...

How to Prune Roses (Rainforth Home and Garden's Secrets and Solutions)
http://www.amazon.com/Prune-Rainforth-Gardens-Secrets-Solutions-...

Fruit Tree Container Growing: Grow Your Own Dwarf Fruit Trees in Containers at Home or even in a Small Apartment (Home Gardening)
http://www.amazon.com/Fruit-Tree-Container-Growing-Containers-eb...

Tomato Container Gardening: Home Grown Tomatoes the Easy Way (Home Life 101)
http://www.amazon.com/Tomato-Container-Gardening-Grown-Tomatoes-...

Growing Marijuana For Beginners: Cannabis Cultivation Indoors and Outdoors
http://www.amazon.com/Growing-Marijuana-For-Beginners-Cultivatio...

Books & Magazines Deals
g: 0 Posted By: remick
Views: 150 Replies: 0 http://www.amazon.com/dp/B00DYFHTN4

4.4 out of 5 stars (9 customer reviews)

"In order to take control of your health I recommend you make an attempt to grow your own food the Beyond Organic way."
--Jordan Rubin, NMD, PhD, New York Times Bestselling Author, Founder--Garden of Life
> Learn why most farms and gardens, even if certified organic, produce food which is not nutritious enough to keep you healthy, but by understanding the secrets of how foods can be grown to maximize their health-giving properties, you will be empowered to Create Health from the Soil Up!

> Discover an amazing and revolutionary new insight which explains why 45% of Americans have a chronic disease and how you can avoid this awful fate through totally natural means so you can enjoy Vibrant Health.

> Understand the surprising, underlying reason why 2/3 of American adults are overweight or obese, and how this problem can be overcome so one can enjoy their Ideal Body Weight.

Our foods have lost up to 70% of some nutrients in the last 70 years. Even organic foods have little more nutrient density than those conventionally grown. This loss of nutrition may explain, at least in part, our increasing health concerns. Whatever your goals and dreams in life, all will be more easily achieved when your body and mind receive the best nutrition from optimally-grown foods.

Learn how the Beyond Organic Growing System (BOGS) can produce Nutrition Grown foods, with many times the nutrient content of typical produce. See independent, third-party laboratory analyzed comparisons of Nutrition Grown foods vs. USDA food nutrient database listings. This book also brings you cutting edge research on how fruit growing methods can effect blood glucose levels in humans.

Plants must receive the optimal nutrition they need to be able to express their full potentials to create large arrays of health-giving phytonutrients. In turn, people and animals who eat these Nutrition Grown plants receive the phytonutrients they need to help them express their full potentials.


How To Produce 15-25 Pounds Of Tomatoes PER PLANT
http://www.amazon.com/dp/B003ES5OLK

Written by Horticulturist Tommy Smith, "How To Produce 15-25 Pounds Of Tomatoes-PER PLANT" offers the home gardener fifteen time tested and practical tips and secrets for growing bountiful harvests of ripe, juicy tomatoes.

In this guide you'll learn:
How to prepare your garden area and soil
How to use mulches to manipulate soil temperature
How to extend your growing season with free materials
The one tomato variety that consistently outperforms all others
An old secret that actually helps produce more tomatoes (aka: a wives tale with scientific merit)
Plus much more!

By utilizing all or most of the tips found in this guide, you are sure to have your best harvest of tomatoes ever and be the envy of your neighborhood!


Modern Rustic: Starting an Orchard: A homesteading guidebook for growing fruit trees, berries, grapes and nuts
http://www.amazon.com/Modern-Rustic-Starting-homesteading-guideb...

The Way To Healthy Garden Soil
http://www.amazon.com/The-Way-Healthy-Garden-Soil-ebook/dp/B00GS...

How to Grow Potatoes: Planting and Harvesting Organic Food From Your Patio, Rooftop, Balcony, or Backyard Garden
http://www.amazon.com/How-Grow-Potatoes-Planting-Harvesting-eboo...

Healing Herbs for the Ornamental Garden
http://www.amazon.com/Healing-Ornamental-Garden-Medicine-Windows...
Books & Magazines Deals
g: 15 Posted By: remick
Views: 1804 Replies: 1 http://www.amazon.com/dp/B00CFQXKXG

4.6 out of 5 stars (37 customer reviews)

Modern life places extraordinary demands on our brains. Not only do we live longer than ever before, but we must constantly adapt to complex and rapidly evolving personal and professional realities. Yet, we often ignore our most precious resource to do so: our brain.

The SharpBrains Guide to Brain Fitness cuts through the clutter of misconceptions, superficial and conflicting media coverage, and aggressive marketing claims, to help readers discover what really works, and what doesnt, to improve brain health and performance at any age, to delay or prevent cognitive decline, and become smarter consumers of both media coverage and scientific research in the process.

With useful, pragmatic and personalized tips and suggestions that are easy to implement, the SharpBrains Guide offers a groundbreaking new approach for self-assessing current brain fitness needs and identifying the most relevant and evidence-based methods to preserve and enhance brain function throughout life. Whether your goal is to become more resilient, enhance memory, ward off Alzheimers disease, or simply improve mental focus to perform better at work, this how-to guide shows you exactly how to use it or lose it.

This new and much-expanded edition of the guide AARP named a Best Book on Brain Fitness combines a user-friendly tutorial on how the brain works with advice on how to choose and integrate lifestyle changes and research-based brain training. Featuring an independent analysis of hundreds of scientific studies published in the last 10 years, the book also includes in-depth interviews with 20 leading scientists who often challenge conventional wisdom and prevailing brain health thinking and care.
Totally Free Deals
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/dp/B00405R6VC/

4.0 out of 5 stars (72 customer reviews)

New Lyme Disease treatments are desperately needed. This book provides them. The book identifies ten cutting-edge conventional and alternative treatments and gives practical guidance on integrating them into a comprehensive treatment plan that maximizes therapeutic benefit while minimizing side effects. On the pages of this book you will find the most accurate, current Lyme Disease information available. Discover the tools and resources to reclaim your health using the best of conventional and alternative medicine. Lyme Disease is one of the most stubborn, treatment resistant infections on earth. It is also spreading rapidly on all continents. Borrelia Burgdorferi - the elusive and dangerous Lyme Disease bacteria - can mimic many seemingly unrelated diseases, resulting in frequent misdiagnosis of the infection. Government health officials are beginning to recognize Lyme Disease for what it is: a growing threat to public health and safety. Statistics show that there are over 200,000 new Lyme Disease infections per year in the United States alone. Read this book to find out about the following breakthrough Lyme Disease treatments. Five Core Treatment Protocols: The Antibiotic Rotation Protocol, The Marshall Protocol, The Salt / Vitamin C Protocol, Detoxification, and Electromedicine (Rife Machine Therapy). Five Supportive Supplements: Systemic Enzymes, Mangosteen, Lithium Orotate, Coenzyme Q10, and Magnesium.

Reviews

From James Schaller, M.D. -- Remarkably broad and clearly written, this will be one of the top Lyme Disease books of the decade. Bryan Rosner is unusually gifted at explaining new emerging treatments. He thinks big and offers big solutions. --James Schaller, M.D., practicing physician and author of 16+ books

From Mary Brescia, R.N. -- I am a registered nurse, wife, mother, and patient, and for 15 years I have suffered from three tick borne diseases. I have searched the world over on a quest for healing. Hope is a word Lyme sufferers soon learn is not part of their vocabulary. Bryan Rosner opens the door to hope and offers a roadmap to restored health. By turning the pages of this book, you will learn how to turn the course of suffering. A Lyme sufferer himself, Rosner has paved the way, thank God, for all of us. --Mary Brescia, R.N.

From Andrew Cutler, Ph.D. -- In this helpful book, Bryan Rosner presents 10 new Lyme Disease treatments and enough discussion of the science behind them to put the information in context and make it useful. Whether you are under a doctor's care or going it alone, this book will help you make good decisions so you can get better. --Andrew Cutler, Ph.D., author of Amalgam Illness --Diagnosis and Treatment
Free Ebooks 3-13-14
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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


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

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

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

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

* Energy enhancement from oxygen rich chlorophyll.
* Blood detox heals the body by eliminating impurities.
* The immune system is strengthened so that chronic diseases linked to cancer and arterial malfunction are mitigated.
* Weight loss is precipitated with juice enzymes.
* Hair, skin, and nails sustain growth, extending their appearance, and controlling them from premature aging.
* Mental acuity in concentration, memory, and precision are improved with juice.
* Increased muscle and joint flexibility.
* Deal with Insomnia and other sleeping disorder with Juicing.
Also, You will Discover:
* How A Cleanse and Detox Program must be Successful: Ultimate Tips?
* Role of Juices to fight back with cancer!!
* How Your Kidney/Liver Function will be to Improved by Juicing?
More than 101″ Delicious Vegetables and Fruits Juicing Recipes for:
* Weight loss and Fasting
* Cleanse and Detox
* Immune Boosting
* Wrinkle Reducing
* Colon Cleanse
* Prevent & Fight for Cancer, Diabetes
* Increases your Kidney Function
* Muscles Soothing and calming
* Memory Boosting
* Your Kids
* Mental Acuity
* And More
Totally Free Deals
g: 3 Posted By: remick
Views: 100 Replies: 0 http://www.amazon.com/dp/B00CFQXKXG

4.6 out of 5 stars (37 customer reviews)

Modern life places extraordinary demands on our brains. Not only do we live longer than ever before, but we must constantly adapt to complex and rapidly evolving personal and professional realities. Yet, we often ignore our most precious resource to do so: our brain.

The SharpBrains Guide to Brain Fitness cuts through the clutter of misconceptions, superficial and conflicting media coverage, and aggressive marketing claims, to help readers discover what really works, and what doesnt, to improve brain health and performance at any age, to delay or prevent cognitive decline, and become smarter consumers of both media coverage and scientific research in the process.

With useful, pragmatic and personalized tips and suggestions that are easy to implement, the SharpBrains Guide offers a groundbreaking new approach for self-assessing current brain fitness needs and identifying the most relevant and evidence-based methods to preserve and enhance brain function throughout life. Whether your goal is to become more resilient, enhance memory, ward off Alzheimers disease, or simply improve mental focus to perform better at work, this how-to guide shows you exactly how to use it or lose it.

This new and much-expanded edition of the guide AARP named a Best Book on Brain Fitness combines a user-friendly tutorial on how the brain works with advice on how to choose and integrate lifestyle changes and research-based brain training. Featuring an independent analysis of hundreds of scientific studies published in the last 10 years, the book also includes in-depth interviews with 20 leading scientists who often challenge conventional wisdom and prevailing brain health thinking and care.
Totally Free Deals
ACDelco Spark Plug Rebate Up to $2 off Per Plug
Added on : Saturday March 01st 2014 04:00:06 PM
g: 0 Posted By: MrsGuin
Views: 173 Replies: 0 rebate form Valid 01/01/2014 to 12/31/2014. Maximum rebate is $32Rebate per plug purchased:

Professional Iridium 2.00 per
Professional Platinum 1.50 per
Rapidfire 1.00 per
Professional Conventional .50 per
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Auto Parts Deals
Which debt to pay down first?
Added on : Thursday February 27th 2014 01:00:12 PM
g: 0 Posted By: Al3xK
Views: 190 Replies: 6 I have two debts that are screwing me now that I need to address. I'm paying PMI on my home and 9.5% interest on an unsecured pool loan. I'm thinking it makes more sense to try and remove PMI. I would feel comfortable throwing $30k at something. Here are the numbers:

Conventional home loan:

$327,000 purchase price (4/13), 5% down, original loan value $310,650 @ 3.625% interest rate
Current remaining balance $305,085
Monthly PMI: $173.45
Appraisal fee $385
I estimate the value at $370k.
PMI is scheduled to be removed at 78% LTV of the $327k purchase, so 10/21 when the mortgage is roughly $255k. I want it gone long before that

Pool loan:

$30,000 @ 9.5% for 60 months started 7/25/13.
Remaining balance $23,414, pay off is $24,322
I made one-time $5k payment to knock it down a bit


I'm thinking I pay the $385 to do the appraisal, and if the home comes in at $360k for example. I'd need to pay $17k to get to 288k and remove PMI...BUT I was thinking perhaps pay the full $30k and get it to $275k owed on a $360k property, and see if I could do a HELOC to pay the pool down? Or would it make more sense to just pay the minimum to remove PMI and the remainder to the pool loan?

For those curious, the reason I took on PMI and a 9.5% interest loan is because I was able to get 2-3 roommates bringing in $1250-1850 cash off the books...so it covered those expenses easily.
Personal Finance Deals
OFFER OVER Free Kindle (or other device) Book - How to Rhyme Vol. 1
Added on : Thursday February 27th 2014 01:00:11 PM
g: 6 Posted By: remick
Views: 1058 Replies: 0 http://www.amazon.com/How-Rhyme-Vol-Fundamental-Patterns-ebook/d...

4.5 out of 5 stars (22 customer reviews)

How to Rhyme has made a ground breaking discovery of a perfect science behind writing Rhymes. Contrary to the way other conventional books have taken a poetic approach to teach rhyming, the How to Rhyme series has been the most efficient set of books on the market in allowing novices, creative writers, poets and rappers everywhere discover all of the following:

How to write rhymes on a basic, intermediate, and advanced level without
the confusion of complex poetic terminology.

The difference between rhyming like a poet and rhyming like a rapper.

A full proof system that will take the most unskilled beginner to rhyming like
William Shakespeare or Eminem even only after the first Volume.

How to write poetry.

How to master all of the areas of writing, which inspired the book
Poetry how to, to teach you how to write poetry or rap with perfection.

How to write poetry with rhymes as advanced as rappers.

How to write rap using the writing disciplines seen in Poetry How To.

The difference between poetry and rap.

How to make your rhymes flow.

A system which reveals the complete science of writing rhymes.

A system which uses a unique perspective in revealing all of the rhyme
schemes and patterns anyone can make by understanding the core rhyming
patterns inherent in all rhyming patterns.

A complete Science behind written rhyme which has never been discovered
so thoroughly in any other How to rhyme course.

A step by step system which gives you a gradual progression through all of
its levels like any other science is taught.

The MTS learning system which is based on Syllables, Techniques (rhyme
patterns distinguished by the number of syllables present) and Methods
(specific types of arrangements for the techniques to follow).



YOU DO NOT NEED A KINDLE TO PURCHASE THIS BOOK
Look to the right inside the "Try it Free" box you will see some small words that say "Available on your pc". Click that and download this book to your pc or mac which is better because it is full color and you won't understand it if you are reading it in black and white.
USING FULL COLOR VIEWERS IS ADVISED.
Full color viewing (by downloading this book to your blackberry, iphone, or any smart phone or the "color" kindle, a PC or Mac) is recommended because this book cannot be understood in black and white.
Totally Free Deals
g: 14 Posted By: remick
Views: 1485 Replies: 0 http://www.amazon.com/My-Life-Craigslist-Finalist-Books-ebook/dp...

4.5 out of 5 stars (16 customer reviews)
#2 in Kindle Store > Kindle eBooks > Humor & Entertainment > Humor > Comedy

FINALIST OF USA BEST BOOK AWARDS. Craigslist can be a real sharkfest! But it's a mirror of who we are. Alexandra Ares takes these two statements to a darkly funny place in this page turner satire of today's wildest mores brazenly unleashed on America's largest free online dating website. A zany New York girl trolls it for fun, love, sex, relationships and everything else, doomed to run from trouble to trouble. But she has a special talent...

Meet Emily Thompson, 25, quirky, wholesome, with a keen eye for contemporary art. One year after she moves from Buffalo to the trendy East Village, where she lands a job in an art gallery and an artist boyfriend, her life is turned upside down when she loses everything. Alone, broke and discouraged, she turns to Craigslist to find - for free - everything she needs for both fun and survival. She soon discovers a wild, flawed world where everyone is either the con or the conned, and decency has flown the laptop, the desktop, and the smartphone. A roommate who is rarely home, turns out to be an escort, which makes Emily get on her high moral horse, but later, when Emily herself is forced by circumstance to become an escort for a day, things spiral out of control...

With her deadpan wit and trademark unconventional insight, Alexandra Ares delivers a fast-paced, rakishly entertaining and ingeniously plotted novel that confirms her status as one of the hottest new writers around.
Books & Magazines Deals
g: 1 Posted By: remick
Views: 197 Replies: 0 http://www.amazon.com/My-Life-Craigslist-Finalist-Books-ebook/dp...

4.5 out of 5 stars (16 customer reviews)
#2 in Kindle Store > Kindle eBooks > Humor & Entertainment > Humor > Comedy

FINALIST OF USA BEST BOOK AWARDS. Craigslist can be a real sharkfest! But it's a mirror of who we are. Alexandra Ares takes these two statements to a darkly funny place in this page turner satire of today's wildest mores brazenly unleashed on America's largest free online dating website. A zany New York girl trolls it for fun, love, sex, relationships and everything else, doomed to run from trouble to trouble. But she has a special talent...

Meet Emily Thompson, 25, quirky, wholesome, with a keen eye for contemporary art. One year after she moves from Buffalo to the trendy East Village, where she lands a job in an art gallery and an artist boyfriend, her life is turned upside down when she loses everything. Alone, broke and discouraged, she turns to Craigslist to find - for free - everything she needs for both fun and survival. She soon discovers a wild, flawed world where everyone is either the con or the conned, and decency has flown the laptop, the desktop, and the smartphone. A roommate who is rarely home, turns out to be an escort, which makes Emily get on her high moral horse, but later, when Emily herself is forced by circumstance to become an escort for a day, things spiral out of control...

With her deadpan wit and trademark unconventional insight, Alexandra Ares delivers a fast-paced, rakishly entertaining and ingeniously plotted novel that confirms her status as one of the hottest new writers around.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 98 Replies: 0 http://www.amazon.com/How-Rhyme-Vol-Fundamental-Patterns-ebook/d...

4.5 out of 5 stars (22 customer reviews)

How to Rhyme has made a ground breaking discovery of a perfect science behind writing Rhymes. Contrary to the way other conventional books have taken a poetic approach to teach rhyming, the How to Rhyme series has been the most efficient set of books on the market in allowing novices, creative writers, poets and rappers everywhere discover all of the following:

How to write rhymes on a basic, intermediate, and advanced level without
the confusion of complex poetic terminology.

The difference between rhyming like a poet and rhyming like a rapper.

A full proof system that will take the most unskilled beginner to rhyming like
William Shakespeare or Eminem even only after the first Volume.

How to write poetry.

How to master all of the areas of writing, which inspired the book
Poetry how to, to teach you how to write poetry or rap with perfection.

How to write poetry with rhymes as advanced as rappers.

How to write rap using the writing disciplines seen in Poetry How To.

The difference between poetry and rap.

How to make your rhymes flow.

A system which reveals the complete science of writing rhymes.

A system which uses a unique perspective in revealing all of the rhyme
schemes and patterns anyone can make by understanding the core rhyming
patterns inherent in all rhyming patterns.

A complete Science behind written rhyme which has never been discovered
so thoroughly in any other How to rhyme course.

A step by step system which gives you a gradual progression through all of
its levels like any other science is taught.

The MTS learning system which is based on Syllables, Techniques (rhyme
patterns distinguished by the number of syllables present) and Methods
(specific types of arrangements for the techniques to follow).



YOU DO NOT NEED A KINDLE TO PURCHASE THIS BOOK
Look to the right inside the "Try it Free" box you will see some small words that say "Available on your pc". Click that and download this book to your pc or mac which is better because it is full color and you won't understand it if you are reading it in black and white.
USING FULL COLOR VIEWERS IS ADVISED.
Full color viewing (by downloading this book to your blackberry, iphone, or any smart phone or the "color" kindle, a PC or Mac) is recommended because this book cannot be understood in black and white.
Totally Free Deals
g: 1 Posted By: MacBain00
Views: 219 Replies: 0 http://www.pseg.com/home/customer_service/worry_free/pdf/homesho...

My annual post:
25th Annual New Jersey
Home Show & Interior Design Expo
March 7-9 2014
Friday 3-9pm | Saturday 10am-7pm | Sunday 10am-6m
http://www.homeshowexpo.com/

New Jersey Convention Center
97 Sunfield Ave
Edison, NJ 08837

New Jersey's Largest Home Show
Over 300 Exhibits with State-of-the-art Products & Services
Contractors
Kitchen & Bath Designers
Pools & Spas
Landscapers & Gardeners
Do It Yourself - DIY Products
Awnings
Outdoor Furniture
Sheds
Patio Rooms
Comparison Shopping at its Best

Restaurants & Entertainment Deals
g: -1 Posted By: hocuspocusblade
Views: 484 Replies: 13 Get the most out of your engine with Valvoline Premium Conventional 5W30. Valvoline's conventional motor oil product line comes in both multi-viscosity and mono-grade formulations. Multi-viscosity grades provide protection in all climates, while mono-grade oils are formulated for warmer conditions. All Valvoline oils are formulated with advanced additive technology and premium base oils for high performance and an enhanced engine life.

Valvoline Premium Conventional 5W30, 5 Qt:Designed for gasoline and gasoline turbo-charged engines
Keeps the engine clean by minimizing deposit formation
Reduces oil consumption by fighting volatility and oil evaporation
Resists oil thickening by providing enhanced oxidation control
Improves gas mileage by reducing friction
Provides thorough anti-wear protection

This deal is good for ANY Valvoline PremiumConventional Motor Oil regardless of viscosity when purchasing TWO 5 quart packs at WalMart and applying an$8 printable couponfound in the automotive section at Coupons.com.

Auto Parts Deals

Walmart Coupons
g: -1 Posted By: hocuspocusblade
Views: 73 Replies: 1 Get the most out of your engine with Valvoline Premium Conventional 5W30. Valvoline's conventional motor oil product line comes in both multi-viscosity and mono-grade formulations. Multi-viscosity grades provide protection in all climates, while mono-grade oils are formulated for warmer conditions. All Valvoline oils are formulated with advanced additive technology and premium base oils for high performance and an enhanced engine life.

Valvoline Premium Conventional 5W30, 5 Qt:Designed for gasoline and gasoline turbo-charged engines
Keeps the engine clean by minimizing deposit formation
Reduces oil consumption by fighting volatility and oil evaporation
Resists oil thickening by providing enhanced oxidation control
Improves gas mileage by reducing friction
Provides thorough anti-wear protection

This deal is good for ANY Valvoline PremiumConventional Motor Oil regardless of viscosity when purchasing TWO 5 quart packs at WalMart and applying an$8 printable couponfound in the automotive section at Coupons.com.

Auto Parts Deals

Walmart Coupons
Pepboys $19.21 Oil Change and Tire Rotation w Coupon
Added on : Wednesday February 12th 2014 06:00:07 AM
g: 2 Posted By: RookieBuc
Views: 222 Replies: 1 Pepboysis offering a the conventional oil change for $19.21 w the coupon.The regular price is $31.99. The conventional oil change includes the following:

Offering quick and quality service, the Pep Boys Conventional Oil Change Service Package is more than just an oil change
Up to 5 quarts of conventional motor oil and a new oil filter
Freetire rotation
Free tire pressure check
Free Multi pointInspection

Offers expires03/02/2014.

Enjoy considering that most places like to charge a arm and a leg just for a tire rotation this is a steal.
Services Deals
Downloading Electronic Financial Documents, can it be automated?
Added on : Monday February 10th 2014 03:00:05 AM
g: 0 Posted By: fortezza
Views: 45 Replies: 1 If you're always on the go as I am, it's a struggle to get time to sit on your computer and download electronic financial documents from the multitude of investment companies, banks, credit card companies, etc that you have accounts at. While I'm all for saving trees and electronic security, I found it a lot easier to receive paper statements and then file them whenever I had time. Electronic documents, well, I get email reminders that say "an electronic document is available" from the financial institution, but there are some issues

I'm probably not at a location where I can download the document when I receive the message.
I have no idea what document they are talking about as they (banks) are purposefully ambiguous about which document in particular they are referring to.
i often don't remember when the last time I downloaded a document was, so knowing which ones I need to download for archival and CYA purposes is an unknown.



I'll make the assumption that I'm not the only one with this issue and then follow up with my questions:

Should I be downloading and keeping electronic statements?
Why are the banks notification emails so cryptic about which document they are talking about?
Why don't the banks have a download queue or other facility to identifying and making downloading these important documents simple?
Why don't banks standardize on a naming convention for the downloadable documents , I spend a lot of time renaming downloaded documents so that the name ismore meaningful than the default '23223424242zdfadw.pdf' name I get when I click "download" . something like <bank name>-<account>-<document type>-<effective date>.pdf would be much more useful.
Is there a trustworthy service that can be set up to manage automatically downloading these documents?


Thank you for reading!


Question Deals
g: 0 Posted By: ArtieLange
Views: 162 Replies: 0 D-Link PowerLine AV+ Mini Adapter Starter Kit Up to 500Mbps $29.99 shipped w/code EMCPHPC46 at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16833127481&...




DHP-309AV The D-Link PowerLine AV+ Mini Adapter Starter Kit (DHP-309AV) extends your home network by transforming your existing electrical system into a powerful network with up to 500Mbps performance. This means you can watch videos, surf the Web or catch up on email in spots where you cant get a good wireless signal. Plus, PowerLine AV 500 gives you up to 20% better coverage than conventional PowerLine AV 200 adapters. This means fast speeds throughout your home. Setup couldnt be easier just plug and connect. And if you want to build your network further, just plug and connect additional adapters.

Electronics Deals

Newegg Coupons
The Walking Dead: The Complete First Season [Blu-ray] - $10.00 at Amazon
Added on : Wednesday February 05th 2014 09:00:08 PM
g: 0 Posted By: Ayla
Views: 6 Replies: 1 .


The Walking Dead: The Complete First Season [Blu-ray] - $10.00 at Amazon


http://www.amazon.com/The-Walking-Dead-Complete-Blu-ray/dp/B0049...


List Price: $49.99


Price: $10.00


FREE SHipping with Prime




Special Features:

Extra Footage and Featurettes including The Making Of THE WALKING DEAD
Inside THE WALKING DEAD Episodes 1-6
A Sneak Peek with Robert Kirkman
Behind the Scenes Zombie Make-Up Tips
Convention Panel with Producers
THE WALKING DEAD Trailer


Editorial Review:

After waking from a coma in an abandoned hospital, police officer Rick Grimes finds the world he knew gone - ravaged by a zombie epidemic of apocalyptic proportions. Nearby, on the outskirts of Atlanta, a small encampment struggles to survive as 'the dead' stalk them at every turn. Can Rick and the others hold onto their humanity as they fight to live in this terrifying new world? And, amidst dire conditions and personal rivalries, will they ultimately survive one another? AMCs The Walking Dead is an epic, survival adventure series from the director of The Shawshank Redemption and the producer of The Terminator and Aliens.
H&K P30S for $759 + S/H @ ClassicFirearms
Added on : Wednesday February 05th 2014 05:00:06 PM
g: 0 Posted By: pgtmini
Views: 208 Replies: 0 Limited stock (6 left as of this post) but a GREAT deal for someone wanting H&K quality. Yes, we know H&K charges more than everybody else.

Heckler & Koch P30S 9mm Semi-Auto Pistol, DA/SA/ASL, V3 , With Case, 2-15 Rd Mags, and Adjustable Grip Straps and Rail. H & K Model # M730903S-A5
[L=http://www.classicfirearms.com/hand-guns/h-kp30s9mmv3modm730903s... said: http://www.classicfirearms.com/hand-guns/h-kp30s9mmv3modm730903s]P30[/L] A recent HK pistol design, the P30 is a modern police and security pistol that combines function and safety. Ergonomic features include a special grip frame with interchangeable backstrap inserts and lateral plates, allowing the pistol to be individually adapted to any user. Ambidextrous controls include dual slide releases and magazine release levers. Variants with a conventional double-action/single action trigger have a serrated decocking button located on the rear of the frame. Variants with HKs enhanced double action only Law Enforcement Modification* (LEM) trigger have no external decocking controls. The HK Law Enforcement Modification (LEM) trigger system combines the advantages of a cocked striker component (constant level of trigger pull from first to last round fired) with a double-action hammer system. Using such an enhanced trigger system consolidates ease of use and safety into a convenient, innovative trigger operationone that reduces the chance of unintended firing. And in case of an ammunition-related failure to fire, all that is needed is an additional second or third squeeze of the trigger without the need of first pulling the slide back to re-cock the pistol. The enhanced LEM trigger system combines the reliability of a double action revolver trigger with the crisp trigger of a single action pistol. P30S models have an ambidextrous safety lever mounted on both sides of the frame. S models are available in conventional double-action/single action trigger mode and with HKs enhanced double action only Law Enforcement Modification trigger A Picatinny rail molded into the front of the frame makes mounting lights, laser aimers, or other accessories easy and convenient. The extractor doubles as a loaded chamber indicator providing a subtle tactile and visual reminder of a loaded chamber. Extensively tested, the P30 has already been adopted by several European police agencies. Excellent weight and balance make the P30 naturally pointable, easy to control, and accurate to shoot. An open notch rear sight with luminous (non-radioactive) contrast points allows for fast and accurate Target acquisition, even under poor lighting conditions. During a recent (2009-2010) endurance test, a P30 test pistol fired more than 91,000 rounds without any major component failures



http://www.classicfirearms.com/hand-guns/h-kp30s9mmv3modm730903s
Guns & Ammo Deals
g: 0 Posted By: ArtieLange
Views: 92 Replies: 0 IOGEAR GearPower White 11000 mAh Mobile Power Station GMP10K $24.99 shipped After $10 MIR Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16875980072&...


IOGEAR GearPower White 11,000mAh Mobile Power Station GMP10KMeet the latest addition to IOGEAR's GearPower portable battery line, the Ultra Capacity Mobile Power Station (GMP10K). With features mirroring the popular GMP6600P, this higher-capacity mobile companion boasts a whopping 11,000mAh! Now you'll never run out of power when you need it the most.Nicknamed the "10k", the Ultra Capacity Mobile Power Station serves both as a battery extender to your power-hungry mobile devices, and a battery charger when conventional AC outlets are not available. It is compatible with most smartphones (such as iPhones and Samsung Galaxy), tablets, handheld gaming systems, digital cameras, and mp3 players.*This stylish battery can go anywhere with you. Don't let power-hungry apps keep you from using your smartphones or tablets to the max when conventional AC wall power is not available. Charge your tablet and smartphone at the same time with the dual-charging USB ports. This is a must-have for anyone with an iPad, Galaxy Tab, Kindle Fire HD, Microsoft Surface, or other tablet device.*Results for devices may vary due to larger power capacity requirementsFeatures:

An 11,000mAh lithium cell provides a compact, yet super high capacity battery
Provides fast, convenient charging of almost any mobile device
Perfect for mobile users and business travelers when conventional A/C outlets are not available
Dual USB outputs: 2.1A+1A allows simultaneous charging of tablets and smartphones
Capable of charging iPads, iPhones, iPods, mobile gaming devices, etc.
Built-in short-circuit, over-charge, and temperature protection
Includes Micro USB charging cable compatible with most smart phones
Includes USB wall charger and convenient carrying pouch

Electronics Deals

Newegg Coupons
$15 OFF any Oil Change Package at Sears
Added on : Sunday February 02nd 2014 04:00:09 AM
g: 1 Posted By: dealgain
Views: 155 Replies: 0 Got in the email.
$15 OFF any Oil Change Package at Sears: Conventional, Synthetic, High Mileage

Tried to upload the PDF Coupon to QUick Summary ... multiple times....not sure what's going on...I can't see it attached.
Here's the direct link to Coupon Link
Auto Parts Deals

Sears Coupons
g: 0 Posted By: hisgranny
Views: 82 Replies: 0 Through February 10th, buy 5 qts. Pennzoil Conventional Oil and a Fram filter for $22.99 at AutoZone. If not
already a member of Fuel Rewards Network, sign upfor freehere.Follow instructions hereto get a code by
mail for .50/gallon savings on up to 20 gallons of gas at Shell for a $10.00 savings. That makes the total oil
change $12.99 plus tax after the gas savings, right? The FRN deal applies to Pennzoil Ultra Full Synthetic,
Platinum, High Mileage, or Conventional oil, BTW. I hope this helps somebody!

(I searched and didn't see this but if it's a repost, please delete!)
Auto Parts Deals

AutoZone Coupons
g: -1 Posted By: heyyl0w
Views: 242 Replies: 0 Tanga has an 8-pk. of As Seen on TV MicroFiber Magic Reusable Sponges for $7.98 shipped.

A 5-packis $14.95 on Amazon.

Loosens, lifts and traps dirt
Removes ultra-fine particles that traditional sponges leave behind
Grime buster side for caked on foods, sticky messes, tough grease, mold and mildew
Textured side for spills, dishes, soap scum, bathtubs, scuff marks and more
Reduces the need for chemical cleaners
Use over and over; simply toss in the dishwasher to clean
Saves money on disposable sponges/scouring pads, paper towels, chemical cleaners and more
Provides an eco-friendly alternative to conventional cleaning sponges
Soft on hands but tough on dirt
Each sponge measures 5 4 1 inches ( L x W x H)

Home & Garden Deals

Tanga Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Negotiating-Bioethics-Governance-Programme...

The sequencing of the entire human genome has opened up unprecedented possibilities for healthcare, but also ethical and social dilemmas about how these can be achieved, particularly in developing countries. UNESCOs Bioethics Programme was established to address such issues in 1993. Since then, it has adopted three declarations on human genetics and bioethics (1997, 2003 and 2005), set up numerous training programmes around the world and debated the need for an international convention on human reproductive cloning.


Negotiating Bioethics presents Langlois' research on the negotiation and implementation of the three declarations and the human cloning debate, based on fieldwork carried out in Kenya, South Africa, France and the UK, among policy-makers, geneticists, ethicists, civil society representatives and industry professionals. The book examines whether the UNESCO Bioethics Programme is an effective forum for (a) decision-making on bioethics issues and (b) ensuring ethical practice. Considering two different aspects of the UNESCO Bioethics Programme deliberation and implementation at international and national levels, Langlois explores:

how relations between developed and developing countries can be made more equal
who should be involved in global level decision-making and how this should proceed
how overlap between initiatives can be avoided
what can be done to improve the implementation of international norms by sovereign states
how far universal norms can be contextualized
what impact the efficacy of national level governance has at international level

Drawing on extensive empirical research, Negotiating Bioethics presents a truly global perspective on bioethics. The book will be of interest to students and scholars of sociology, politics, science and technology studies, bioethics, anthropology, international relations, and public health
Antec Case Fans - From $2.49 @ Staples + FS for Rewards Members
Added on : Wednesday January 22nd 2014 01:00:02 PM
g: 0 Posted By: heyyl0w
Views: 136 Replies: 0 Staples has Antec Case Fansfrom $2.49 with free shipping for Rewards Members.

Some options:

Antec 80mm Small Cooling Fan (2600 RPM)- $2.49

Fan diameter: 3.15"
Fan speed: 2600 rpm
Air flow: 34 CFM
Connectors: 4 pin LP4 male
Number of fans: 1
Compatibility: Value line series Antec cases (KS 188 KS 288 KS388 KS788), KS 780 premium series case and performance Series cases (SX830 519240, SX1030 519241)
Application/usage: Case
Current: 0.14 A
Fan air pressure: 0.12" H2O
Increases the longevity of components
Certifications and standards: Green and RoHS compliants
Weight: 2.47 oz.
Warranty: 3 years limited


Antec TriCool 92mm DBB Cooling Fan - $4.99

Fan diameter: 3.62"
Fan speed: 1200, 1600, 2600 RPM
Air flow: 21 CFM, 28 CFM, 38 CFM
Double ball-bearing design lasts longer than conventional fans
3-speed switch lets you balance quiet performance with maximum cooling
3-pin and 4-pin power connectors provide convenient connections to your motherboard or power supply
Fan-speed monitoring capability included 80, 90, and 120 mm sizes
92 mm DBB case fan
Application/usage: Case
Includes: 4 x mounting screws, 1 x standard 3 pin to standard 4 pin adapter

Computers Deals

Staples Coupons
g: 0 Posted By: Deals4mykids
Views: 0 Replies: 0 Cast Iron Cleaning - The Ringer for $14.99 Free Shipping on orders of $35 or more!

Coupon Code: QHICS5AH for $5 off

http://www.amazon.com/gp/product/B00FKBR1ZG/

THE ULTIMATE SOLUTION FOR CLEANING CAST IRON
-TOUGH - Built to last as long as your cast iron products
-SIMPLE - Easy to use, clean, and store
-LOVED - Used by cast iron enthusiasts worldwide

To Clean or Not to Clean...that was the question!
A properly spiced cast iron skillet is simply a family treasure. Getting the perfect flavor into a pan takes time and plenty of elbow grease. Conventional Cast Iron Cleaners run the risk of all those spices and efforts going down the drain.
-Standard cleaning supplies strip away years worth of pan spicing efforts.
-Caked on grit can prove very difficult to remove
-Kitchen Sponges are 200,000 times dirtier than a toilet seat with 10,000,000 bacteria per square inch!

THE RINGER - Tough on Grit, Gentle on Flavor
Focused on flavor preservation from the beginning, THE RINGER was engineered to remove grit with ease and stand the test of time.
-Soapless, detergent-free grit removal with just warm water
-Rustproof Stainless Steel Chainmail Rings
-Convenient hanging ring

Money Back Guarantee
Simply Put - We want the purchase to work for you. If for any reason this product is not meeting your expectations, just send us a note and we'll be happy to take care of you.
Orlandini»s Capriccio ring in 18K yellow gold features intricate twisting bands of tightly packed gold discs accented by a dazzling diamond (0.20 ctw) for a glamourous yet unconventional look. Signature gift box and Certificate of Authenticity included, Made in Italy.
ON SALE: Forzieri - Baton - Unconventional Gold Plated Cuff Links
Added on : Friday January 10th 2014 09:00:12 AM
These daringly original gold plated cuff links will enhance any cultivated presence. Their unconventional yet refined design is sure to make a statement. Gift box included, made in Italy.
g: 1 Posted By: remick
Views: 184 Replies: 0 Global Soul Food - Easy Healthy Recipes
http://www.amazon.com/Global-Soul-Food-Denise-Pala-ebook/dp/B00HR85EHW/


Understanding Italian Pasta and Sauce - Making Pasta from Scratch and Cooking Classical Italian Pasta Dishes (a short recipe guide and unconventional cookbook)
http://www.amazon.com/Understanding-Italian-Pasta-Sauce-unconventional-ebook/dp/B00HRL7A26
Totally Free Deals
OFFER OVER Free Kindle Book- Wake & Bake (cannibis cookbook)
Added on : Monday January 06th 2014 04:00:10 AM
g: 4 Posted By: remick
Views: 1455 Replies: 3 http://www.amazon.com/dp/B00HNJD1RA

Wake & Bake: a cookbook is a colorful and silly guide to cooking and baking with cannabis. Inside, you will find more than 50 recipes complete with photos, playful commentary, and simple methods.

This book was designed with novice home cooks in mind. Wake & Bake includes step-by-step guides with photos, using common tools and ingredients, to show you how to make incredible edibles in your own home. Theres also a full tutorial showing you how to make Green Monsta Oil (a cannabis infused coconut oil) so you can feel confident during the entire process.

Wake & Bake features dairy free, gluten free and vegan recipes and a substitution guide for using conventional ingredients. No matter your dietary habits or sensitivities, you can bake using Wake & Bake
Books & Magazines Deals
g: 2 Posted By: remick
Views: 288 Replies: 0 http://www.amazon.com/Arts-Numbers-Financial-Performers-Creative-ebook/dp/B00B6U09K4

5.0 out of 5 stars (7 customer reviews)

The creative classartists, actors, writers, musicians, freelancers, dancers, performers, and the likeare known for applying their passion for creative expression to everything they do. Perhaps the one thing that most fills this group with apprehension is the rigid world of numbers. This leads to problems arising from the unconventional financial and business situations of creative professionals, as well as the nonprofit organizations with which they're often affiliated. Finances, budgeting, and business matters can be dreaded, if not outright ignored, by creatives--to the detriment of their artistic pursuits.

Author, artist, and CPA Elaine Grogan Luttrull has written Arts & Numbers to help creative professionals find the same confidence in their financial dealings as in their chosen mode of expression. It is an engaging, accessible guide that covers a variety of must-know topics, such as budgeting, cash management, visual charting, taxes, employment, and business etiquette. In a simple, straightforward style, Luttrull draws examples from smooth-flowing narratives depicting common issues within the arts worlds, as well as from her own personal anecdotes. Unlike stuffy textbooks and patronizing business books, Arts & Numbers is a lively and artfully done ally in helping creative professionals plan their present financial situations and secure their futures.



Personal Finance NOW: Top Keys to Understand Personal Finance, Financial Planning, Budgeting & Investing Through The Power of Effective Money Management ... Investing, Money Management, Debt, Money)
http://www.amazon.com/Personal-Finance-NOW-Understand-Management-ebook/dp/B00HHLW5RQ

You are about to discover how to get in charge of your financial life. No matter what you do for a living, you are going to need financial literacy to succeed in life. You know this; that is why you picked up this book. The fact is that the amount of success you achieve both in your business and personal finance is determined by the ability to track your spending, build up savings, and invest the smart way towards a better future. Its determined by the ability to develop the right money habits that will take you where you want to go in life.


Spending Smart: A Consumer's Guide to Saving Money and Making Good Financial Decisions
http://www.amazon.com/Spending-Smart-Consumers-Financial-Decisions-ebook/dp/B00BVTW4BW

Spending Smart is a compact but immensely helpful collection of columns from the weekly Chicago Tribune column penned by Gregory Karp. Offering tips for consumers across a wide variety of fields, including insurance, banking, cars, phones, homes, travel, and more, this book is a terrific primer for how to take better care of your money and find deals where others aren't even looking.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 69 Replies: 0 http://www.amazon.com/Arts-Numbers-Financial-Performers-Creative-ebook/dp/B00B6U09K4

5.0 out of 5 stars (7 customer reviews)

The creative classartists, actors, writers, musicians, freelancers, dancers, performers, and the likeare known for applying their passion for creative expression to everything they do. Perhaps the one thing that most fills this group with apprehension is the rigid world of numbers. This leads to problems arising from the unconventional financial and business situations of creative professionals, as well as the nonprofit organizations with which they're often affiliated. Finances, budgeting, and business matters can be dreaded, if not outright ignored, by creatives--to the detriment of their artistic pursuits.

Author, artist, and CPA Elaine Grogan Luttrull has written Arts & Numbers to help creative professionals find the same confidence in their financial dealings as in their chosen mode of expression. It is an engaging, accessible guide that covers a variety of must-know topics, such as budgeting, cash management, visual charting, taxes, employment, and business etiquette. In a simple, straightforward style, Luttrull draws examples from smooth-flowing narratives depicting common issues within the arts worlds, as well as from her own personal anecdotes. Unlike stuffy textbooks and patronizing business books, Arts & Numbers is a lively and artfully done ally in helping creative professionals plan their present financial situations and secure their futures.
Books Deals

Amazon Coupons
Does anybody use furbuy? Need help.
Added on : Saturday January 04th 2014 03:00:05 PM
g: 0 Posted By: joel2007
Views: 0 Replies: 0 I'm not sure where to ask this question.
furbuy
My cousin sold a mascot costume for $1000 + $100 shipping.
The buyer address:
He's at a hotel for a convention and wants me to ship it to the hotel for him so 2 Convention center place South Wharf, Melbourne, Victoria, 3006, Australia.
He will pay by Paypal.

The buyer Squigz's comment:
"Hey, can you ship to australia? Can I get express shipping if I pay extra? I would really love this and can pay in full asap."

It is my cousin auction.
Is safe to ship from US to Australia? Do you think he is a scammer?

Thank you.
Free Kindle Book- Wake & Bake (cannibis cookbook)
Added on : Saturday January 04th 2014 09:00:07 AM
g: 0 Posted By: remick
Views: 189 Replies: 0 http://www.amazon.com/dp/B00HNJD1RA

Wake & Bake: a cookbook is a colorful and silly guide to cooking and baking with cannabis. Inside, you will find more than 50 recipes complete with photos, playful commentary, and simple methods.

This book was designed with novice home cooks in mind. Wake & Bake includes step-by-step guides with photos, using common tools and ingredients, to show you how to make incredible edibles in your own home. Theres also a full tutorial showing you how to make Green Monsta Oil (a cannabis infused coconut oil) so you can feel confident during the entire process.

Wake & Bake features dairy free, gluten free and vegan recipes and a substitution guide for using conventional ingredients. No matter your dietary habits or sensitivities, you can bake using Wake & Bake
Books & Magazines Deals
g: 0 Posted By: StueyG
Views: 171 Replies: 0 SOG Specialty Knives & Tools 4-Piece Tactical Survival Value Set (Jungle Warrior Knife, Tactical Tomahawk, Magnadot 2.0 Folding Knife and Powerduo Multi-Tool)The SOG Specialty Knives & Tools CK-98 Survival Set is the ideal companion for any outdoorsman or adventure seeker that always needs to be prepared. The SOG F15N-CP Jungle Canopy Fixed Knife showcases sophisticated style, quality construction and an ideal tool for hunting, camping and soldiering. The SOG F01P-N Tactical Tomahawk is an all-purpose tool designed with military precision. The SOG PD01N-CP Powerduo Multi-Tool is pliers and a pocketknife with full-size locking blade, screwdrivers, bottle opener, tweezers and more all in one. The SOG S301N-CP Magnadot 2.0 Folding Knife has a 3.63-inch partially-serrated, clip-point blade with a satin finish to provide an infinite number of outdoor uses.
SOG Specialty Knives & Tools CK-98 Survival Set with 9.75" Jungle Warrior Knife, 15.75" Tomahawk, 3.63" Folding Knife and Powerduo Multi-Tool:

Ideal companion for any outdoorsman or adventure seeker that always needs to be prepared
F15N-CP Jungle Canopy Fixed Knife:

An ideal tool for hunting, camping and soldiering
Features a 9.75" stainless steel, straight edge blade with a satin finish
Has a durable molded Kraton handle with Digi-Grip handle texture
Measures 15.5" long and weighs 19.4 oz
Includes a nylon sheath and utility pouch

F01P-N Tactical Tomahawk:

All-purpose tool designed with military precision
Made of 420 stainless steel
Has a polished finish that fortifies against corrosion and impact damage
Has a textured slip-free grip made of ballistic polymer
Measures 15.75" long and weighs 24 oz
Includes a protective nylon sheath for safe storage and quick access while also providing multiple carrying options

PD01N-CP Powerduo Multi-Tool

Pliers and a pocketknife with full-size locking blade, screwdrivers, bottle opener, tweezers and more all in one
Features SOG's proprietary Compound Leverage technology which works by employing multiple pivot points that generate greater handle travel in relation to plier movement, resulting in leverage of approximately twice the power of a conventional multi-tool

S301N-CP Magnadot 2.0 Folding Knife:

3.63" partially serrated, clip-point blade with a satin finish
Has a glass-reinforced handle with a thumb groove for improved cutting leverage
Bi-directional crosshatch plating for better control
Includes a ballistic nylon sheath with a secure clip for easy carrying

Comes with a limited lifetime warranty
Model# CK-98



Link to deal
Sports & Outdoors Deals

Walmart Coupons
g: 0 Posted By: StueyG
Views: 26 Replies: 0 SOG Specialty Knives & Tools 4-Piece Tactical Survival Value Set (Jungle Warrior Knife, Tactical Tomahawk, Magnadot 2.0 Folding Knife and Powerduo Multi-Tool)The SOG Specialty Knives & Tools CK-98 Survival Set is the ideal companion for any outdoorsman or adventure seeker that always needs to be prepared. The SOG F15N-CP Jungle Canopy Fixed Knife showcases sophisticated style, quality construction and an ideal tool for hunting, camping and soldiering. The SOG F01P-N Tactical Tomahawk is an all-purpose tool designed with military precision. The SOG PD01N-CP Powerduo Multi-Tool is pliers and a pocketknife with full-size locking blade, screwdrivers, bottle opener, tweezers and more all in one. The SOG S301N-CP Magnadot 2.0 Folding Knife has a 3.63-inch partially-serrated, clip-point blade with a satin finish to provide an infinite number of outdoor uses.
SOG Specialty Knives & Tools CK-98 Survival Set with 9.75" Jungle Warrior Knife, 15.75" Tomahawk, 3.63" Folding Knife and Powerduo Multi-Tool:

Ideal companion for any outdoorsman or adventure seeker that always needs to be prepared
F15N-CP Jungle Canopy Fixed Knife:

An ideal tool for hunting, camping and soldiering
Features a 9.75" stainless steel, straight edge blade with a satin finish
Has a durable molded Kraton handle with Digi-Grip handle texture
Measures 15.5" long and weighs 19.4 oz
Includes a nylon sheath and utility pouch

F01P-N Tactical Tomahawk:

All-purpose tool designed with military precision
Made of 420 stainless steel
Has a polished finish that fortifies against corrosion and impact damage
Has a textured slip-free grip made of ballistic polymer
Measures 15.75" long and weighs 24 oz
Includes a protective nylon sheath for safe storage and quick access while also providing multiple carrying options

PD01N-CP Powerduo Multi-Tool

Pliers and a pocketknife with full-size locking blade, screwdrivers, bottle opener, tweezers and more all in one
Features SOG's proprietary Compound Leverage technology which works by employing multiple pivot points that generate greater handle travel in relation to plier movement, resulting in leverage of approximately twice the power of a conventional multi-tool

S301N-CP Magnadot 2.0 Folding Knife:

3.63" partially serrated, clip-point blade with a satin finish
Has a glass-reinforced handle with a thumb groove for improved cutting leverage
Bi-directional crosshatch plating for better control
Includes a ballistic nylon sheath with a secure clip for easy carrying

Comes with a limited lifetime warranty
Model# CK-98



Link to deal
g: 0 Posted By: tightpapa
Views: 40 Replies: 0 Is #62 on Forbes 365 ways to get rich.

let the criticism begin an the reds fly.
Investing Deals
The Single Greatest Predictor of Future Stock Market Returns
Added on : Sunday December 22nd 2013 01:00:06 PM
g: 0 Posted By: ArthurDent
Views: 97 Replies: 0 Saw this interesting blog post today on a supply-demand framework for stock prices rather than a valuations framework.
http://philosophicaleconomics.wordpress.com/2013/12/20/the-single-greatest-predictor-of-future-stock-market-returns/
From the above link:
In this piece, Im going to do five things. First, Im going to explain, in very simple terms, the accounting principles behind the metric. The explanation will include instructions (with ready-made links) for how to graph the metric in FRED. Second, Im going to discuss the dynamics of asset supply, with a special focus on equities. Third, Im going to challenge the conventional framework for understanding the relationship between valuation and stock market returns. Fourth, Im going to introduce a new framework, one that relates stock market returns to equity asset supply. Fifth, Im going to present a scatterplot of the predictive performance of the metric alongside other metrics, and discuss what the metric is currently forecasting for U.S. equity returns. Im going to conclude by briefly touching on the question of whether or not the current U.S. stock market is overvalued.

General Economics Deals
FHA loan vs. Conventional loan--which one is better?
Added on : Friday December 20th 2013 01:00:05 AM
g: 0 Posted By: dyslexiateechur
Views: 17 Replies: 0 I posted awhile back about owning several smaller rental houses but having issues getting financed for a larger house, due to medical collections. I was advised at that time to put it off for awhile, pay off my collections, and wait for my credit to improve on its on. I've done that and my credit is now high enough to qualify me for a mortgage.

We have found a house that we think we can pick up at a very good price that would fit our family's needs. I've turned in the paperwork, and now it's time to decide which route we want to go.

The house is listed at $159K, but we think we can get it between $120K and $130K. Our household income will be around in the $150K's for this next year.

Choice A:
FHA mortgage at 4.3% interest with $171 mortgage insurance required for the life of the loan. 3.5% down

Choice B:
Conventional Mortgage at 5.3% interest with $114 mortgage insurance required until we pay it 80% of the way down. 5% down.

We've got enough saved for the down payment, so that's not an issue.

I'm really thinking about going with B and paying it down to 80% right away. My husband thinks we can pay the house off completely within 3 years if we are aggressive, but with the fed getting ready to up interest rates, I'm not sure how wise that is.

Any advice would be greatly appreciated.
g: 0 Posted By: remick
Views: 227 Replies: 0 http://www.amazon.com/Reimagining-Church-Pursuing-Organic-Christianity-ebook/dp/B005N4O5Q8/

4.5 out of 5 stars (101 customer reviews)

Author Frank Viola gives readers language for all they knew was missing in their modern church experience. He believes that many of today's congregations have shifted from God's original intent for the church. As a prominent leader of the house church movement, Frank is at the forefront of a revolution sweeping through the body of Christ. A change that is challenging the spiritual status quo and redefining the very nature of church. A movement inspired by the divine design for authenticity community. A fresh concept rooted in ancient history and in God Himself.

Join Frank as he shares God's original intent for the church, where the body of Christ is an organic, living, breathing organism. A church that is free of convention, formed by spiritual intimacy, and unbound by four walls.
Books Deals

Amazon Coupons
g: 0 Posted By: rbstern
Views: 126 Replies: 0 I'm not a huge fan of marine-specific 4 stroke motor oils, but Mercury and perhaps some other OEMs call for 25W40 motor oil in owners manuals, and this leaves some boat owners feeling uncomfortable about using conventional, automotive weight oils. Cabelas carries this marine 4 stroke oil in 25W40 and it's on sale for $2.59 a quart, reduced from $9.99 quart (which is a typical boat store per quart price).

Is also eligible for free shipping with code 3WINTER.

At that price, it's a better deal than most automotive, non-premium, non-synthetic motor oils, and a much better deal than marine-specific 4 stroke oils.

http://www.cabelas.com/catalog/product.jsp?productId=701232&categoryId=0&parentCategoryId=0&subCategoryId=0&indexId=0&itemGUID=8117405c6b5df421f859a10abae4e27d&WTz_l=Unknown%3Bcat105591780%3Bcat105642180%3Bcat105647580
Auto Parts Deals

Cabela's Coupons
Cabela's Comfort Mesh Flotation Vest - From $12.49 with free shipping
Added on : Friday December 06th 2013 04:00:07 PM
g: 2 Posted By: Tarf
Views: 258 Replies: 0 Cabela's Comfort Mesh Flotation Vest - From $12.49 with free shipping Link

Prices vary based on color and size
Large/xlarge in taupe is $12.49
The dangerous tendency not to wear a PFD is most often a decision of comfort. These vests, which areUSCG-approved Type-III PFDs=12px, are cooler, more flexible and less restrictive than conventional vest designs. The wide-open arm holes allow unlimited freedom of movement, so they won't bind when you're facing a long day of fishing or other water-based activity.
Chest sizes:S/M=(36-42),L/XL=(44-50),2XL/3XL=(50-56).
Colors:=Red, Forest, Taupe,Realtree MAX-4x.

Sports & Outdoors Deals

Cabela's Coupons
Coin - credit card device to store all your cards half off ($50 + $5ship)
Added on : Wednesday December 04th 2013 03:00:03 AM
g: 0 Posted By: Shananigans
Views: 25 Replies: 0 Coinisa credit card-sized device that digitally stores up to eight credit, debit, gift, or membership cards, and lets you switch between them by pressing a circular button on its surface. You can then swipe the Coin in any conventional reader or ATM machine as if it were the original card itself. Looks like they are doing their own "Kickstarter" thing. Pay half price now (will go back up to $100 in 9 more days according to their website) and it ships in the Summer of 2014.

Here are a couple reviews I've found...

The Verge

CNet

Warm - Oreilly Auto Parts 5 qts Peak Motor Oil + Filter $13.99
Added on : Tuesday December 03rd 2013 12:00:04 PM
g: 1 Posted By: bamx2
Views: 178 Replies: 1 Warm deal but worth mentioning - no rebates- Oreilly Auto Parts 5 qts Peak Motor Oil (conventional motor oil) + filter $13.99 . The oil filter is their house brand ( re-labeled Purolator).

Oreilly Auto Parts 5 qts Peak Motor Oil + Filter $13.99


http://www.oreillyauto.com/site/c/currentad/get.oap?icid=intFlas...
Auto Parts Deals
Tropicana Las Vegas (Doubletree) Cyber Monday Sale
Added on : Monday December 02nd 2013 08:00:09 AM
g: 0 Posted By: shank
Views: 295 Replies: 0 https://secure3.hilton.com/en_US/dt/reservation/book.htm?execution=e1s1Or call 1.888.381.8767 to make your reservation.

Valid for travel 12/2/13-5/23/14. Subject to availability. Must be 21 years of age or older to book. Valid ID must be presented at check-in. This offer is not available to groups or to individuals attending meetings or conventions at the property. Offer cannot be combined with any other offer or promotion. Offer is nonrefundable and cannot be canceled. Full amount is due at time of booking. Blackout dates include 12/14 and 12/30-31 in 2013, and 1/6-9, 1/17-18, 2/15, 3/1-8, 3/20-21, 4/7-10, 4/27-30 and 5/2-3 in 2014.

Already planned to spend a long weekend later this month at the Trop, promo saved almost $80 - well worth the non-refundable, pay in advance requirement.
Home & Garden Deals
g: 1 Posted By: wei2cool
Views: 280 Replies: 0 review rating 4.4/5

Mind Maps: Quicker Notes, Better Memory, and Improved Learning 2.0

The number one Mind Map book on the Kindle has gotten better. Version 2.0 has more examples, better illustrations, and easier step-by-step instructions. Plus a bonus section that will triple your current reading speed and comprehension in a matter of minutes.

Also includes links to numerous free mind mapping software - no need to buy, subscribe, or submit proof of purchase.

Mind Mapping is a note taking system which allows you to take better, faster, and more efficient notes. In conventional note-taking, you write down information line by line. With Mind Maps, you organize the information more in the form of a diagram, starting with a central key idea drawn in the center of the paper.

In addition to enhancing your note taking skills, Mind Maps help you improve your studying, writing, presenting, brainstorming, and creative skills. It is one of the best note taking skills anyone can learn
Books Deals

Amazon Coupons
g: 0 Posted By: imagine1128
Views: 164 Replies: 0 Betty Crocker
Green Gourmet Hard Anodized by Cuisinart 8"
Our Price: $49.95 - Special Price: $19.95
Usually ships in1 to 2 business days
FREE SHIPPING w/code: BETTY exp 12-9
skillet linkhttp://store.bettycrocker.com/p-349284--_Nonstick-Skillet.aspx

100% Satisfaction Guarantee

Thanks to eco-friendly Cuisinart Ceramica nonstick technology, these skillets are perfect for fat-free browning, searing, and frying. Good for home cooks and good for the environment!

Cuisinart is leading the way in eco-friendly branded cookware with their new GreenGourmet line. Exclusive Cuisinart Ceramica nonstick technology is ceramic based instead of petroleum based, helping to conserve existing oil supplies and the coating is applied at a temperature one half that of conventional nonsticks. And its completely free of PTFE and PFOA. The cookwares hard anodized construction provides high heat conductivity, which requires less energy to reach desired cooking temperatures. Riveted stainless handles stay cool on the stovetop and are made from 70% recycled stainless steel. Today, more and more home cooks are going green and so is Cuisinart cookware!
Home & Garden Deals
Free Kindle eBook: Biological Information:New Perspectives
Added on : Sunday November 17th 2013 06:00:13 AM
g: 0 Posted By: keithdt
Views: 129 Replies: 0 The Kindle version of this is currently free on Amazon, though I don't know for how long. The hardcover edition is $126.96. If you look at the table of contents, there are a number of essays that might be of interest to a layperson (like myself) with an interest in current science, particularly areas like systems theory, complexity. chaos and information.

http://www.amazon.com/Biological-Information-Perspectives-Proceedings-Symposium-ebook/dp/B00EI4J4VK/ref=tmm_kin_title_0

"In the spring of 2011, a diverse group of scientists gathered at Cornell University to discuss their research into the nature and origin of biological information. This symposium brought together experts in information theory, computer science, numerical simulation, thermodynamics, evolutionary theory, whole organism biology, developmental biology, molecular biology, genetics, physics, biophysics, mathematics, and linguistics. This volume presents new research by those invited to speak at the conference.The contributors to this volume use their wide-ranging expertise in the area of biological information to bring fresh insights into the many explanatory difficulties associated with biological information. These authors raise major challenges to the conventional scientific wisdom, which attempts to explain all biological information exclusively in terms of the standard mutation/selection paradigm.Several clear themes emerged from these research papers: 1) Information is indispensable to our understanding of what life is;
2) Biological information is more than the material structures that embody it;
3) Conventional chemical and evolutionary mechanisms seem insufficient to fully explain the labyrinth of information that is life. By exploring new perspectives on biological information, this volume seeks to expand, encourage, and enrich research into the nature and origin of biological information."
Books & Magazines Deals
g: 2 Posted By: VivYip
Views: 313 Replies: 0 credit bfads

Sears has this item for $12.49 with in-store pickup

Craftsman 13 watt Fluorescent Work Light with 10' 16 ga. 3-Wire Cord
Light also shines from end of lens for use in tight spaces
Fluorescent bulb burns cooler than conventional incandescent worklights
Top-hanging hook swivels to direct light where needed
Swivel cord hook for horizontal hanging or to swag cord out of work area
Slide-off lens allows for easy bulb replacement without tools
Replacement bulb (#98172) sold separately
Adjustable magnetic mount (#83020) sold separately


Hope this might help someone. thank you for reading
Tools Deals

Sears Coupons
g: 0 Posted By: MISTERCHEAP
Views: 99 Replies: 0 MIR form at store. print out coupon or in todays Sears ad in sunday paper.


Auto Parts Deals

Sears Coupons
g: 9 Posted By: remick
Views: 2361 Replies: 0 http://www.amazon.com/REALLY-SIMPLE-SMOKING-CURING-HOW-TO-ebook/dp/B00FBFRVW4

Print Length: 505 pages

Like gourmet smoked and salt-cured foods? Parma hams? Cold-smoked salmon? Pancetta and other "real" bacons? Spare ribs and brisket?
Want to make them at home? With all the taste, authentic flavour and trimmings of the store-bought items, but at a fraction of the cost?
Everything you need is right here. Equipment, tools, accessories and recipes, and a whole range of new techniques and methods to home-smoke, bbq and dry cure delicacies like prosciutto hams, cured bacons, salmon, spare ribs, biltong, jerky, brisket to name just a few!
Over 500 pages, generously illustrated, and written in simple language, "Really Simple Cold Smoking, BBQ and Salt Curing at Home" is actually three books in one at a price that would be a bargain for just one of them!
In this definitive book you'll discover
- the little known secrets of the pros for making up your own rubs, pastes, marinades, mops, bastes and sauces;
- the unique characteristics of different woods and fuels used in the food smoking process, and which are best for different applications;
- a range of smoked foods which could, for many readers, represent new and exciting food territory; foods like smoked and salt-cured fruit, nuts, dairy products (cheeses and butters), molluscs and other seafoods which are quite simply delicious!;
- how simple, and how comfortably within the capabilities of most people deli-style cold-smoking, or dry-curing really is!;
- survival secrets of "emergency" food smoking for hikers, campers, hunters, fishermen and survivalists, who would like, while still in the wild, to smoke any bounty collected from the outdoors, but who frequently don't have access to conventional (or any!) smoking equipment to do so;
- how-to build your own food smoking and dry-curing equipment at home partly as a low-cost alternative to the (undoubtedly excellent, but often fairly expensive) commercial equivalents, and partly for the good, warm feeling of accomplishment it brings!; and
- Illustrated charts showing the major cuts of meat from each of the main animal groups pork, beef, lamb and venison.... and the list goes on!
Readers of How-To Instructional books (like this one) fall somewhere between two extremes. At one extreme are those who want to know "Why?" before they learn "How?" At the other extreme are those who simply want a clear-cut set of instructions.
The publishers in this book unravel the Gordian knot and satisfy both classes of reader by covering both the "Why" and the "How" in the first half of the book, while limiting the second half to just the "How".
Whatever your current level of expertise and skill, there'll be something in this book to expand and enrich it. Get it now!
Books & Magazines Deals
Wells Fargo Duplex Owner Occupied Mortgage .25 fee??
Added on : Wednesday October 23rd 2013 10:00:10 AM
g: 0 Posted By: viprvette
Views: 2 Replies: 0 I applied for a mortgage on an owner occupied duplex conventional loan with 20% down. The broker is quoting me .25% on top of the normal rate saying that Wells Fargo charges that fee for multi-familiy houses. Does this sound right? I was under the impression that the rates would be the same as a single family owner occupied.
ebay: $99.99 Dyson DC34 Hand Vacuum Cleaner (refurb) (F/S)
Added on : Tuesday October 22nd 2013 11:00:03 AM
g: 0 Posted By: VivYip
Views: 261 Replies: 0 credit techbargains

dyson via eBay has this refurb'd item for $99.99 with free shipping

Dyson DC34 Hand Vacuum Cleaner
DC34 delivers 15 minutes of powerful, constant suction or 6 minutes on MAX power for tougher cleans. Its powered by the Dyson digital motor, which spins up to 5 times faster than a racing car engine. DC34 has a lithium-ion battery that recharges up to 3 times faster than others, and Dysons patented Root Cyclone technology for no loss of suction.
Warranty: 6 Months Parts and Labor from Dyson followed by 6 Months Parts and Labor from ABC Vacuum
What's In The Box?
Operating manual
Quick start guide
Lithium-ion 22.2V battery
AC Adapter
Combination accessory tool
Crevice tool
Up to 3 times faster than conventional motors
Root Cyclone technology - doesn't lose suction as you vacuum
Lithium ion battery recharges up to 3 times faster

Hope this might help someone. Thank you for reading
Appliance Deals
g: 3 Posted By: remick
Views: 229 Replies: 0 http://www.amazon.com/REALLY-SIMPLE-SMOKING-CURING-HOW-TO-ebook/dp/B00FBFRVW4

Print Length: 505 pages

Like gourmet smoked and salt-cured foods? Parma hams? Cold-smoked salmon? Pancetta and other "real" bacons? Spare ribs and brisket?
Want to make them at home? With all the taste, authentic flavour and trimmings of the store-bought items, but at a fraction of the cost?
Everything you need is right here. Equipment, tools, accessories and recipes, and a whole range of new techniques and methods to home-smoke, bbq and dry cure delicacies like prosciutto hams, cured bacons, salmon, spare ribs, biltong, jerky, brisket to name just a few!
Over 500 pages, generously illustrated, and written in simple language, "Really Simple Cold Smoking, BBQ and Salt Curing at Home" is actually three books in one at a price that would be a bargain for just one of them!
In this definitive book you'll discover
- the little known secrets of the pros for making up your own rubs, pastes, marinades, mops, bastes and sauces;
- the unique characteristics of different woods and fuels used in the food smoking process, and which are best for different applications;
- a range of smoked foods which could, for many readers, represent new and exciting food territory; foods like smoked and salt-cured fruit, nuts, dairy products (cheeses and butters), molluscs and other seafoods which are quite simply delicious!;
- how simple, and how comfortably within the capabilities of most people deli-style cold-smoking, or dry-curing really is!;
- survival secrets of "emergency" food smoking for hikers, campers, hunters, fishermen and survivalists, who would like, while still in the wild, to smoke any bounty collected from the outdoors, but who frequently don't have access to conventional (or any!) smoking equipment to do so;
- how-to build your own food smoking and dry-curing equipment at home partly as a low-cost alternative to the (undoubtedly excellent, but often fairly expensive) commercial equivalents, and partly for the good, warm feeling of accomplishment it brings!; and
- Illustrated charts showing the major cuts of meat from each of the main animal groups pork, beef, lamb and venison.... and the list goes on!
Readers of How-To Instructional books (like this one) fall somewhere between two extremes. At one extreme are those who want to know "Why?" before they learn "How?" At the other extreme are those who simply want a clear-cut set of instructions.
The publishers in this book unravel the Gordian knot and satisfy both classes of reader by covering both the "Why" and the "How" in the first half of the book, while limiting the second half to just the "How".
Whatever your current level of expertise and skill, there'll be something in this book to expand and enrich it. Get it now!
Books & Magazines Deals
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/REALLY-SIMPLE-SMOKING-CURING-HOW-TO-ebook/dp/B00FBFRVW4

Print Length: 505 pages

Like gourmet smoked and salt-cured foods? Parma hams? Cold-smoked salmon? Pancetta and other "real" bacons? Spare ribs and brisket?
Want to make them at home? With all the taste, authentic flavour and trimmings of the store-bought items, but at a fraction of the cost?
Everything you need is right here. Equipment, tools, accessories and recipes, and a whole range of new techniques and methods to home-smoke, bbq and dry cure delicacies like prosciutto hams, cured bacons, salmon, spare ribs, biltong, jerky, brisket to name just a few!
Over 500 pages, generously illustrated, and written in simple language, "Really Simple Cold Smoking, BBQ and Salt Curing at Home" is actually three books in one at a price that would be a bargain for just one of them!
In this definitive book you'll discover
- the little known secrets of the pros for making up your own rubs, pastes, marinades, mops, bastes and sauces;
- the unique characteristics of different woods and fuels used in the food smoking process, and which are best for different applications;
- a range of smoked foods which could, for many readers, represent new and exciting food territory; foods like smoked and salt-cured fruit, nuts, dairy products (cheeses and butters), molluscs and other seafoods which are quite simply delicious!;
- how simple, and how comfortably within the capabilities of most people deli-style cold-smoking, or dry-curing really is!;
- survival secrets of "emergency" food smoking for hikers, campers, hunters, fishermen and survivalists, who would like, while still in the wild, to smoke any bounty collected from the outdoors, but who frequently don't have access to conventional (or any!) smoking equipment to do so;
- how-to build your own food smoking and dry-curing equipment at home partly as a low-cost alternative to the (undoubtedly excellent, but often fairly expensive) commercial equivalents, and partly for the good, warm feeling of accomplishment it brings!; and
- Illustrated charts showing the major cuts of meat from each of the main animal groups pork, beef, lamb and venison.... and the list goes on!
Readers of How-To Instructional books (like this one) fall somewhere between two extremes. At one extreme are those who want to know "Why?" before they learn "How?" At the other extreme are those who simply want a clear-cut set of instructions.
The publishers in this book unravel the Gordian knot and satisfy both classes of reader by covering both the "Why" and the "How" in the first half of the book, while limiting the second half to just the "How".
Whatever your current level of expertise and skill, there'll be something in this book to expand and enrich it. Get it now!
Books & Magazines Deals
g: 0 Posted By: VivYip
Views: 0 Replies: 0 I was looking at this item

Kwikset 985 Double Cylinder Rustic Bronze Deadbolt Featuring SmartKey $37.43

but the item is out of stock.

However, this other finish is available for $38.97 with in-store pickup.
Kwikset 985 Double Cylinder Polished Brass Deadbolt Featuring SmartKey
Kwikset signature series product
Fits door thickness of 1-3/8 in. to 1-3/4 in.
Featuring smartkey re-key technology, re-key the lock yourself in seconds in 3 easy steps
For use on exterior doors where keyed entry and security is needed
Add to a keyed knob or lever (not included) for additional security
Patented side locking bar technology offers improved security by protecting against lock bumping, an attack technique used to defeat conventional pin and tumbler locks
2-keys included
Easy installation, installs in minutes with just a screwdriver
Features a fully adjustable latch to fit all standard door preparations
ANSI/BHMA grade 1 security
MFG Brand Name: Kwikset
MFG Model #: 985 3 SMT CP
MFG Part #: 99850-055

Hope this might help someone. Thank you for reading.
OFFER OVER Free - Garish: Roadside Color Polaroids [Kindle Edition]
Added on : Wednesday October 16th 2013 11:00:07 AM
g: 4 Posted By: remick
Views: 566 Replies: 1 http://www.amazon.com/Garish-Roadside-Color-Polaroids-ebook/dp/B0096DIIX8/

Garish: Roadside Color Polaroids is a photography collection unlike any other you've seen. With his choices of an unconventional title and vivid palettes, Robert Jones accompanies readers on a spirited journey through North America's sparsely populated outlands.

His deeply personal album of glowing snapshots documents scores of unknown sign painters, billboard designers, and creators of garden statuary, whose brilliance lends visual poignancy to thousands of miles of yearly travel on lost highways.

In eighty photographs, Jones celebrates such diverse influences on his work as painter Salvador Dali, photographer Walker Evans, and movie director David Lynch."Garish
takes three countries usually thought of as having very distinct identities - the United States, Mexico, and Canada - and smudges their borders," writes John DeFore in his perceptive essay. "[Jones emphasizes] the spirit common to the anonymous, self-taught commercial artists who inspire him not just aesthetically, but in their distance from all that is officially deemed 'art.'

"The color is jarring, and Jones makes no apologies for its boldness, nor does he hide behind a
facade of "artistic correctness." According to DeFore, this analog collection brims over with "the sentiments of a music fanatic who insists that vinyl records have a warmth compact discs can't replicate."

Adds photographer Keith Laban, "Viewing a photograph by Robert Jones can be an intense experience, as though each image is a distillation of the subject; the senses bombarded by intense hue, foreboding shadow, and unsettling perspective."
Totally Free Deals
Free - Garish: Roadside Color Polaroids [Kindle Edition]
Added on : Tuesday October 15th 2013 07:00:08 AM
g: 1 Posted By: remick
Views: 163 Replies: 0 http://www.amazon.com/Garish-Roadside-Color-Polaroids-ebook/dp/B0096DIIX8/

Garish: Roadside Color Polaroids is a photography collection unlike any other you've seen. With his choices of an unconventional title and vivid palettes, Robert Jones accompanies readers on a spirited journey through North America's sparsely populated outlands.

His deeply personal album of glowing snapshots documents scores of unknown sign painters, billboard designers, and creators of garden statuary, whose brilliance lends visual poignancy to thousands of miles of yearly travel on lost highways.

In eighty photographs, Jones celebrates such diverse influences on his work as painter Salvador Dali, photographer Walker Evans, and movie director David Lynch."Garish
takes three countries usually thought of as having very distinct identities - the United States, Mexico, and Canada - and smudges their borders," writes John DeFore in his perceptive essay. "[Jones emphasizes] the spirit common to the anonymous, self-taught commercial artists who inspire him not just aesthetically, but in their distance from all that is officially deemed 'art.'

"The color is jarring, and Jones makes no apologies for its boldness, nor does he hide behind a
facade of "artistic correctness." According to DeFore, this analog collection brims over with "the sentiments of a music fanatic who insists that vinyl records have a warmth compact discs can't replicate."

Adds photographer Keith Laban, "Viewing a photograph by Robert Jones can be an intense experience, as though each image is a distillation of the subject; the senses bombarded by intense hue, foreboding shadow, and unsettling perspective."
Totally Free Deals
g: 0 Posted By: VivYip
Views: 211 Replies: 0 Sears has this item for $19.99 with in-store pickup

Craftsman 13 watt Fluorescent Work Light with 10' 16 ga. 3-Wire Cord
Featuring a slim, ergonomic design for comfortable use, this worklight from Craftsman is durable enough and versatile enough for a variety of uses around the shop. A convenient outlet in the bottom of the handle (12 amp) allows the use of additional power tools. On/Off Switch. UL Listed.
Light also shines from end of lens for use in tight spaces
Fluorescent bulb burns cooler than conventional incandescent worklights
Top-hanging hook swivels to direct light where needed
Swivel cord hook for horizontal hanging or to swag cord out of work area
Slide-off lens allows for easy bulb replacement without tools
Replacement bulb (#98172) sold separately
Adjustable magnetic mount (#83020) sold separately

Hope this might someone. Thank you for reading.
Home & Garden Deals

Sears Coupons
401k or bank loan question, for some home improvments
Added on : Friday October 11th 2013 04:00:08 AM
g: 0 Posted By: skh12
Views: 45 Replies: 2 hi folks,

my house needs a master bath remodel and will need a roof in the near future, i'm thinking $30k would cover it.
i have most of that in an emergency fund and want to leave it alone.

should i seek an equity line or some other conventional bank loan, or borrow $30k from my 401k
Real Estate Deals
How do you fund your Saturna HSA?
Added on : Tuesday October 08th 2013 01:00:07 PM
g: 0 Posted By: dougan778
Views: 37 Replies: 0 I recently transferred my HSA over to Saturna. I've read around here and it sounds like a bunch of people here use them for HSA's as well.

I found out the hard way that I'm not able to direct-deposit to my Saturna HSA from my employer since I don't have a standard savings routing/account number for my account there. I confirmed this with customer service.

I could just write them a check, but I know direct deposit through payroll deduction saves me from paying certain taxes (FICA maybe?). My first thought is to open a "conventional" HSA with my local bank or something, and just transfer the money over to Saturna through ACH, which they are equipped to do. But I'm not sure.

For the people here that are using Saturna for their HSA, how are you contributing money? I'd have to think I'm not the first person to try and get the payroll-deposit benefits with Saturna.

Thanks in advance!
Personal Finance Deals
FREE Kindle Book - Love Isn't Supposed to Hurt was $14.99
Added on : Thursday October 03rd 2013 04:00:02 AM
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Love Isn't Supposed to Hurt [Kindle Edition] was $14.99

Christi Paul (Author), Sanjay Gupta (Foreword, Contributor)

http://www.amazon.com/dp/B007V69AR0

Publication Date: May 18, 2012

Publisher: Tyndale House Publishers

215 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Specific Groups > Women

#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Memoirs

Like millions of other women, CNNs Headline News and truTVs In Session anchor Christi Paul blamed herself for the emotional abuse heaped on her by her first husband, whose violent, profanity-laced tirades left her feeling as though she had no value, no self-worth, and nowhere to turn for help.

Then one day, when Christi was taking refuge in a church parking lot, the verse Trust in the Lord with all your heart and lean not on your own understanding popped into her head. In that moment, she realized she did have someplace to turn after all. Holding fast to her faith, Christi began the arduous process of rebuilding her self-image and regaining control of her life.

Now happily remarried and the mother of three girls, Christi feels called to share her story in the hope that other victims will find courage to seek the help they desperately need and deserve.

Written with great candor and poignancy, Love Isnt Supposed to Hurt chronicles Christis personal experience of dealing with emotional abuse and shows howwith Gods help, some unconventional therapy, and the support of family and friendsshe was able to break the cycle of abuse, regain her sense of self-worth, and discover what true love is really all about.
Mortgage underwriting - sourcing and seasoning of cash to close
Added on : Wednesday October 02nd 2013 09:00:07 AM
g: 0 Posted By: jmac2287
Views: 0 Replies: 0 Hi all,

Long-time reader, first time to post.

Quick question for those familiar with residential mortgage underwriting:

Wife and I will be purchasing a home with financing through a broker, or possible community bank. Conventional mortgage at 95% LTV with third party MIP.

The down payment is to come from a family gift, but to get around contributed equity/gift limitations, I'm providing verification of retirement assets with the indication of using an IRA withdrawal for cash to close.

Other than brokerage statements to verify available retirement assets, what would typically be required in this situation? Will the underwriters need confirmation of the indicated IRA withdrawal/deposit/availability prior to closing, or will the verification of funds held in the brokerage suffice? I could always contend that I am holding off on the distribution until the last minute, to mitigate any prospective penaly/tax liability in the event the closing doesn't materialize.

Your opinions are appreciated.

Thank you.
Free tickets to the Orange County Car Show and Motor Trend Magazine
Added on : Wednesday October 02nd 2013 03:00:06 AM
g: 0 Posted By: elizard
Views: 165 Replies: 1 I just got this since I bought a Kia. If anyone is near and interested, here's the link:

http://showtixonline.com/oc/?coupon=KIADEPOT13

October 3 - October 6, 2013
Anaheim Convention Center
800 West Katella Ave Anaheim, CA 92802
Totally Free Deals
g: 1 Posted By: remick
Views: 247 Replies: 0 http://www.amazon.com/dp/B00BHVQV1S/

Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. Weston reveals why most "conventional wisdom" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. You might even wind up in bankruptcy -- just what you're trying to avoid! For most people, it's smarter to control and manage debt effectively. In this extensively updated guide, Weston shows how to do that. You'll learn which debts can actually help build wealth over time, and which are simply toxic. You'll find up-to-date, real-world strategies for assessing and paying off debt, money-saving insights on which debts to tackle first, and Crucial information about everything from debt consolidation loans to credit scores and credit counseling. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. If you've ever worried about debt, you'll find the new edition of Deal with Your Debt absolutely indispensable.
Books Deals

Amazon Coupons
When is it best to put down 20% to avoid PMI?
Added on : Thursday September 19th 2013 06:00:16 AM
g: 0 Posted By: jomarrod
Views: 10 Replies: 0 This is for a new house under construction in a new development. The 'deal' has had some changes from the time of agreement until now (close to completion). For instance, the rate on the GFE for a conventional loan went up from the quoted 3.75% to 4.80%. In addition, the developer increased the sale price of identical houses over the past 7 months by $30,000.00 - so, that's a $30K equity to start with.

House purchase price: $279,000
Down payment (10%): $27,900
Loam amount: $251,100
PMI: $100/mo (quoted at 3.75% - not sure how much more it will be with new rate)

Keeping that in mind, would it be best to put down 20% down to avoid PMI or leave is as is, and keep the money earning interest?
Dyson 21510-02 DC34 Handheld Vacuum $130+5 ship Woot - Factory Refurb
Added on : Tuesday September 17th 2013 05:00:07 AM
g: 0 Posted By: Luniz97
Views: 177 Replies: 0 The Dyson DC34, powered by the Dyson digital motor that spins up to three times faster than conventional electric motor, has the highest suction of any other handheld

http://home.woot.com/offers/dyson-dc34-handheld-vacuum-20

$130+5 ship

Warranty: 6 Month Dyson
Home & Garden Deals

woot! Coupons
Should I do an extended mortgage rate lock?
Added on : Tuesday September 10th 2013 07:00:07 AM
g: 0 Posted By: toddpublic
Views: 53 Replies: 0 Hi everyone,

I'm in the process of building a house that we will likely close on in February. I'm being offered by my lender a 6-month extended rate lock program with the following terms for a 30 year conventional fixed rate mortgage. I'm putting 25% down with excellent credit:

The one-time fee is $1,575 (0.5% of loan amount). The "base rate" will be 4.75% with a cap of 0.5% over the base rate, which is 5.25%. I also have the option to float down within 30 days of closing if the market rate is lower than my cap rate of 5.25%. So basically, I'm paying for a guarantee that I won't have a rate higher than 5.25%.

My question is simple, should I do it or hold out until I can do a regular (free) 60-day rate lock around December? What do people think will happen with the Fed and QE over the coming months? I'm also a little worried because we are still early in the build process (just starting framing this week) so there is the potential it could take longer than the 6 months to close, at which point I've wasted $1,575.

Thanks
Personal Finance Deals
Helping Data Brokers for Fun and Profit
Added on : Thursday September 05th 2013 12:00:05 AM
g: 0 Posted By: ThomasPaine
Views: 105 Replies: 0 I thought about titling this "Dancing with the Devil for Fun and Profit", but that would be too vague.

SoSlashdotand the NYT are writing about a marketing company called Acxiom opening up their database of publically collected info about individuals and allowing them to edit them....
The "beta" website is calledhttp://AboutTheData.com.. it allows you to both edit, and suppress info from being used for marketing.
Can it be selectively updated, to maximize the chance of preapproved BT cards? Probably, it says the data updates within a few months.

So I had a try... this is my review.

The NYT review said there were inaccuracies, and there were mine too.. it confused me with my father (same name), my race, and the mortgage info is from the previous owner.

They require last 4 SSN, email, address, DOB and and a lot of info people here will be leary of giving marketers..
They use the last four of your SSN as a password... WTF.
They are not a credit reporting agency under FCRA, but they do collect some financial information
You can get the very same info, read onlyfor$5 from their offlinedisclosure dept
The Terms of Use warn that it's not a credit repair shop,
You will see your changes on screen immediately. However, it may take anywhere from 90 to 120 days for the changes to be updated in all systems. Changes will be kept for 24 months from date of change.

I'm sure this will cause paranoia over confirming marketing data, and if you like, you can certainly opt-out.
That being said, I was curious what I would have the ability to edit, and learn about the accuracy of the data.

They divide their info into five categories

Characteristic Data (DOB,Age,Gender,Race,Ethinicy based on Surname,Martial Status,Presence of Children,# of Children,Political Party, andOccupation)
Home Data (Owner/Renter, Type of Ownership, (Investor,Homeowner, Homestead), Trust Owned, Dwelling Type, Property Type, Length of Residence, HO insurance expiration date, SQ, Value, Comparitive Home Market Value, Assessed Value, Purchase Date, Loan Amount, LTV, Conventional, Loan Date, Transaction type, Fixed/Variable, Loan Amount, Available Home Equity, Lendable Home Equity
Auto (Monthauto insurance renews)
Economic (Household Income, Active Investor, Presence of Credit Card, AMEX/VISA/MC (More below)
Shopping (More below)
Household Interests (Donate to Charity, more categories of hobbies)

Economic Info
It breaks down the actual number of purchases made with "X" in the last 2 years with selected retailers

Cash/Check
Credit Card
Amex
MasterCard
Visa
Other

Interestingly, under presence of credit card you can choose to select from the following options:

=13pxBank Card Holder
Gas/Department/Retail Card Holder
Travel and Entertainment Card Holder
Credit Card Holder - Unknown Type
Premium Card Holder
Upscale Card Holder

Under credit card types (AMEX/MC/VISA), you can check boxes for "Gold/Premium" or Regular
Under Shopping it goes into more detail, basically added more detail from Economic

Total # of purchases captured over last 2 years, and total $ spent
Offline Purchases by amounts, #, total dollar spent, Average spent
Online Purchases by amounts, #, total dollar spent, Average spent
Mail-order buyer/Purchaser, and purchase categories
A whole slew of interests


So it's a mixed bag.... As mentioned in Slashdot.. likely Lexus/Nexus has better info for skiptracing... and this is probably used for preapproval offers only.
That I gave a broker all sorts of data about me does worry me a bit, but I figure I can always opt out later..
General Economics Deals
Splash Safeview conventional wiper blades FAR at Menards until 9/16
Added on : Tuesday September 03rd 2013 05:00:07 PM
g: 0 Posted By: GregL2
Views: 239 Replies: 0 http://www.menards.com/main/search.html?search=+Splash+Safeview+Conventional+Blade&sf_categoryHierarchy=&queryType=allItems&searchMode=

http://www.menards.com/main/assets/rebates/5107.pdf?rebate1=5107&rebate2=&rebate3=&rebate4=&rebate5=&rebate6=&rebate7=&rebate8=

All sizes, $5 each, mail in rebate in the form of merchandise credit, limit 4 per household.

These are good metal frame wiper blades, I highly recommend them over the more expensive gimmicky type that have become popular.






Auto Parts Deals
FREE Book - The Constitution: It's the OS for the US [Kindle Edition]
Added on : Saturday August 24th 2013 06:00:05 PM
g: 0 Posted By: snocrsh
Views: 26 Replies: 0 Free through end of August 25

Link to Book on Amazon

Description:

Have you struggled to really understand how our government is meant to work under the Constitution? Is it hard for you to explain to your kids? Do you want to really understand the Constitution, but find that books about it are too focused on how politics plays out today or too focused on legalese for a non-lawyer to follow? Have you ever wondered why certain things were included? Then this is the book for you!

This doesn't discuss any current events - that isn't what it's about. It uses history to explain why things may have been included in the U.S. Constitution. The Constitutional Convention deliberately kept very limited records of their proceedings, making it hard to say absolutely why things were written.

How is the Constitution like a computer? The President has veto power, which is like the firewall on a computer that can block something from ever entering the system. Just as you (or an administrator on a larger system) can over-rule the firewall and let something that may (or may not) be dangerous in, Congress can over-rule a Presidential Veto and allow that vetoed bill to become a law. The Judiciary, especially the Supreme Court, are like a virus protection program that warns you when something dangerous has entered the system and then works to remove it. Just as the two computer programs perform different but similar functions, the Presidential Veto and Supreme Court perform different functions.

Don't worry if you don't know a lot about computer Operating Systems (OSs). The computer concepts are explained too.
Books & Magazines Deals
Buying a $700,000 house...I know it's crazy, but is it even possible?
Added on : Saturday August 17th 2013 06:00:10 AM
g: -2 Posted By: Thrwaway1234569
Views: 202 Replies: 9 I understand that this is crazy I am not looking for "pay your bills" and "you are irresponsible" advice. I fully understand that this would be spending way above our means, but theoretically, I just want to go through the exercise and see if the loans even exist to buy a house with our financial situation.I want to know if my wife and I can buy a $700,000 house with our financials, and if so, what kind of loan we could get to accomplish this. I already know that a conventional mortgage loan is more than likely out of the question.Wife and I have $100,000 cash and gross about $137,000/year. In two years my wife's salary will jump and hopefully we will be around $240,000/year (She is a medical resident). We have zero debt. Cars, student loans etc...all paid off. My question is simple...Is it possible to get a loan to buy a $700,000-$730,000 house, and if so, what kind of loan would it be? I am envisioning a zero percent down loan and use the cash to pay for the first couple years until we see a jump in our salary. Do any loans like this exist?
Personal Finance Deals
g: 0 Posted By: johnqsmith
Views: 33 Replies: 0 I'm a first time home buyer. Comparing FHA and conventional.I hate the idea of pissing away the PMI. However, I am a business owner and could use the capital saved from not putting 20% down. I'm actually trying to take out a line of credit currently as I could use all the capital I can get.
For a 250,000 house (for example) I have calculated the following is my cost of doing FHA instead of conventional. I am not sure of the *exact* interest rate numbers because we haven't actually done the pre-approval process, but was given rough numbers.FHA - ~4.950% , 3.5% down, pay PMI
Conventional - 5.150%, 20% down, no PMIThe difference in cash outlay is 16.5% of 250k, or $41,250.The difference in "wasted money" PMI + interest rate (saving a little interest but paying PMI) is $230 (PMI) + savings of $30 slightly lower interest rate. OR $200 more per month in "wasted" funds if I go with an FHA loan.
In other words, by taking an FHA loan over conventional, I'd essentially be taking out a loan of $41,250 at 5.85% annual interest.Given that I'm trying to keep / add as much cash as possible in my business, I would happily take a loan or line of credit from a bank for my business for 5.85%Is this a no-brainer?Am I missing anything with regards to FHA vs conventional costs?
New User Question Deals
g: -8 Posted By: SinglePapa
Views: 2296 Replies: 47 I stumbled on this unusual rate for four-star Convention (never checked Myrtle Beach before, so can't be sure when this block of rooms became available, or how long the rate will last. User Review mentioned that parking costs extra - but that he "found a way around it"; so potentially no parking fee.The rate doesn't pop up for every check-in date, but it's currently available for many-many dates going forward. If your check-in date fits the rate (which appears Sunday thru Thursday), you can stay as many days as you wish, as long as you don't claim weekends.Update: member Myrtle discovered Breakers Resort at about same rate, and Breakers oceanfront room sleeps up to 6! This would be a tremendous deal for 6, I nearly got interested for my group...unfortunately, the rate posted by Groupon for oceanview (to fit 6) was in fact NEVER AVAILABLE on any date of the calendar. Smaller room is only available on weekdays only in September, that's it. In contrast, the rate I posted was, is and may be available for a long time: for August, September, October, November and December dates, possibly 2014 also. I wasn't checking distant dates, because once you pre-pay you can't cancel.Update 2: members wiseguy1100 and fwratz1 expressed interest in Sept.1-6 for which DELUXE room is confirmed available under this special rate. They have the $315 confirmation (that's upgraded room for 5 nights) and if they are not booking it - ask them, and they may copy it to you
Hotel Deals
g: 6 Posted By: Wilenski
Views: 392 Replies: 1 Oil change for $9.99. ($13.49 when the "shop fee" is applied + tax, but is still a GREAT Deal!) You Must Present Coupon. Valid through Aug. 15 (Note: a $3.50 Shop Fee Likely will be applied, Plus you should receive a 5.00 Coupon to use at Sears while you wait for the oil change!)Link to coupon is on Sears Auto Center Facebook Page: https://www.facebook.com/searsauto Received this deal via nasdaq.com/press-release: http://www.nasdaq.com/press-release/back-to-school-maintenance-m... Link to the Coupon: https://www.facebook.com/photo.php?fbid=10151747903159235&set=a.... Note the 5.00 In Store Coupon is on nasdaq.com and is a press release from Sears!
(HOFFMAN ESTATES, Ill., Aug. 12, 2013 /PRNewswire/ -- Back-to-school is a busy time for parents and student drivers alike, and car care maintenance is not something that typically makes the to-do list. To help prevent future maintenance issues and potential costly repairs, now through Aug. 15, Sears Auto Center is offering the "Backpacks and Tires Tracks" Back-to-School Special - a $9.99 Valvoline conventional oil change1. The customers who take advantage of the oil change offer will also receive a $5Sears coupon (valid same day only) to use in Sears stores while waiting for maintenance services to be completed.)
Tools & Automotive Deals

Sears Coupons
g: 0 Posted By: MISTERCHEAP
Views: 123 Replies: 2 http://tbo.com/freeandcheapblog/free-admission-on-friday-at-flor...
Restaurants & Entertainment Deals
23 free Kindle Books
Added on : Tuesday August 06th 2013 11:00:08 AM
g: 11 Posted By: remick
Views: 866 Replies: 1 Free at the time of postingTRINIDAD CARNIVAL RECIPES [Kindle Edition]
http://www.amazon.com/dp/B00C4XJHNM/Quick Fix Healthy Breakfasts Under 300 Calories: That Keep You Feeling Energized and Help You Lose Weight [Kindle Edition]
http://www.amazon.com/dp/B008IXLF2SThe Vegetarian: Italian Cookbook [Kindle Edition]
http://www.amazon.com/dp/B009KLZFKA/Grilled Cheese :The Ultimate Recipe Guide - Delicious & Best Selling Recipes [Kindle Edition]
http://www.amazon.com/Grilled-Cheese-Ultimate-Delicious-ebook/dp...Authentic Mexican Recipes Made Easy: How To Make Green Sauce Chicken Tamales [Kindle Edition]
http://www.amazon.com/Authentic-Mexican-Recipes-Made-ebook/dp/B0...Danish Baking [Kindle Edition]
http://www.amazon.com/dp/B00E7Z6ZK8Easy Tasty Oriental Recipes by Katharine Koe [Kindle Edition]
http://www.amazon.com/Tasty-Oriental-Recipes-Katharine-ebook/dp/...Mastering Major Account Selling [Kindle Edition]
http://www.amazon.com/Mastering-Major-Account-Selling-ebook/dp/B...Your Book Your Profits [Kindle Edition]
http://www.amazon.com/dp/B005NIABYECompete Outside the Box: The Unconventional Way to Beat the Competition [Kindle Edition]
http://www.amazon.com/dp/B00760B7UYMake Millions and Make Change! [Kindle Edition]
http://www.amazon.com/Make-Millions-Change-ebook/dp/B0031ESWBQDoes Your Bag Have Holes? 24 Truths That Lead to Financial and Spiritual Freedom [Kindle Edition]
http://www.amazon.com/dp/B00486U6D8THE SECRETS TO BUILDING A LUCRATIVE IMPORTING BUSINESS IN YOUR SPARE TIME FROM HOME [Kindle Edition]
http://www.amazon.com/BUILDING-LUCRATIVE-IMPORTING-BUSINESS-eboo...Critical Thinking: Tools for Taking Charge of Your Professional and Personal Life [Kindle Edition]
http://www.amazon.com/dp/B004MMEIY6Power Rapport Building: How To Build Instant Rapport With New Friends, Romantic Interests, And Coworkers [Kindle Edition
http://www.amazon.com/dp/B00AKO7HTSThe Mind-Made Prison: Radical Self Help and Personal Transformation [Kindle Edition]
http://www.amazon.com/dp/B006PHDCTILive Simple: 31 Tips To Declutter, Simplify, And Organize Your Life [Kindle Edition]
http://www.amazon.com/dp/B00CMEW7US/Household Hacks: Cleaning Tips and Tricks To Save You Money, Time, and Energy When Cleaning Your House [Kindle Edition]
http://www.amazon.com/dp/B00B3OAKC0/Long Knife-Life, Living on the Edge One woman's unusual Vietnam-war-torn love story [Kindle Edition]
http://www.amazon.com/dp/B007QWEMW2The Zombie Handbook: Surviving The Apocalypse [Kindle Edition]
http://www.amazon.com/The-Zombie-Handbook-Apocalypse-ebook/dp/B0...College Admission Policies Demystified: Understanding Homeschool Requirements for Getting In (Coffee Break Books) [Kindle Edition]
http://www.amazon.com/College-Admission-Policies-Demystified-ebo...How to trade using Elliott Wave Theory [Kindle Edition]
http://www.amazon.com/trade-using-Elliott-Theory-ebook/dp/B00A7G...Escape Guide to The Ultimate Gap Year: The Essential Guide To Your Year Out [Kindle Edition]
http://www.amazon.com/Escape-Guide-Ultimate-Year-ebook/dp/B00E6N...
Totally Free Deals
20 free Kindle Books
Added on : Tuesday August 06th 2013 10:00:13 AM
g: 10 Posted By: remick
Views: 715 Replies: 1 Free at the time of postingTRINIDAD CARNIVAL RECIPES [Kindle Edition]
http://www.amazon.com/dp/B00C4XJHNM/Quick Fix Healthy Breakfasts Under 300 Calories: That Keep You Feeling Energized and Help You Lose Weight [Kindle Edition]
http://www.amazon.com/dp/B008IXLF2SThe Vegetarian: Italian Cookbook [Kindle Edition]
http://www.amazon.com/dp/B009KLZFKA/Grilled Cheese :The Ultimate Recipe Guide - Delicious & Best Selling Recipes [Kindle Edition]
http://www.amazon.com/Grilled-Cheese-Ultimate-Delicious-ebook/dp...Authentic Mexican Recipes Made Easy: How To Make Green Sauce Chicken Tamales [Kindle Edition]
http://www.amazon.com/Authentic-Mexican-Recipes-Made-ebook/dp/B0...Danish Baking [Kindle Edition]
http://www.amazon.com/dp/B00E7Z6ZK8Mastering Major Account Selling [Kindle Edition]
http://www.amazon.com/Mastering-Major-Account-Selling-ebook/dp/B...Your Book Your Profits [Kindle Edition]
http://www.amazon.com/dp/B005NIABYECompete Outside the Box: The Unconventional Way to Beat the Competition [Kindle Edition]
http://www.amazon.com/dp/B00760B7UYMake Millions and Make Change! [Kindle Edition]
http://www.amazon.com/Make-Millions-Change-ebook/dp/B0031ESWBQDoes Your Bag Have Holes? 24 Truths That Lead to Financial and Spiritual Freedom [Kindle Edition]
http://www.amazon.com/dp/B00486U6D8THE SECRETS TO BUILDING A LUCRATIVE IMPORTING BUSINESS IN YOUR SPARE TIME FROM HOME [Kindle Edition]
http://www.amazon.com/BUILDING-LUCRATIVE-IMPORTING-BUSINESS-eboo...Critical Thinking: Tools for Taking Charge of Your Professional and Personal Life [Kindle Edition]
http://www.amazon.com/dp/B004MMEIY6Power Rapport Building: How To Build Instant Rapport With New Friends, Romantic Interests, And Coworkers [Kindle Edition
http://www.amazon.com/dp/B00AKO7HTSThe Mind-Made Prison: Radical Self Help and Personal Transformation [Kindle Edition]
http://www.amazon.com/dp/B006PHDCTILive Simple: 31 Tips To Declutter, Simplify, And Organize Your Life [Kindle Edition]
http://www.amazon.com/dp/B00CMEW7US/Household Hacks: Cleaning Tips and Tricks To Save You Money, Time, and Energy When Cleaning Your House [Kindle Edition]
http://www.amazon.com/dp/B00B3OAKC0/Long Knife-Life, Living on the Edge One woman's unusual Vietnam-war-torn love story [Kindle Edition]
http://www.amazon.com/dp/B007QWEMW2The Zombie Handbook: Surviving The Apocalypse [Kindle Edition]
http://www.amazon.com/The-Zombie-Handbook-Apocalypse-ebook/dp/B0...College Admission Policies Demystified: Understanding Homeschool Requirements for Getting In (Coffee Break Books) [Kindle Edition]
http://www.amazon.com/College-Admission-Policies-Demystified-ebo...
Totally Free Deals
18 free Kindle Books
Added on : Tuesday August 06th 2013 08:00:07 AM
g: 6 Posted By: remick
Views: 313 Replies: 1 Free at the time of postingTRINIDAD CARNIVAL RECIPES [Kindle Edition]
http://www.amazon.com/dp/B00C4XJHNM/Quick Fix Healthy Breakfasts Under 300 Calories: That Keep You Feeling Energized and Help You Lose Weight [Kindle Edition]
http://www.amazon.com/dp/B008IXLF2SThe Vegetarian: Italian Cookbook [Kindle Edition]
http://www.amazon.com/dp/B009KLZFKA/Grilled Cheese :The Ultimate Recipe Guide - Delicious & Best Selling Recipes [Kindle Edition]
http://www.amazon.com/Grilled-Cheese-Ultimate-Delicious-ebook/dp...Authentic Mexican Recipes Made Easy: How To Make Green Sauce Chicken Tamales [Kindle Edition]
http://www.amazon.com/Authentic-Mexican-Recipes-Made-ebook/dp/B0...Danish Baking [Kindle Edition]
http://www.amazon.com/dp/B00E7Z6ZK8Mastering Major Account Selling [Kindle Edition]
http://www.amazon.com/Mastering-Major-Account-Selling-ebook/dp/B...Your Book Your Profits [Kindle Edition]
http://www.amazon.com/dp/B005NIABYECompete Outside the Box: The Unconventional Way to Beat the Competition [Kindle Edition]
http://www.amazon.com/dp/B00760B7UYMake Millions and Make Change! [Kindle Edition]
http://www.amazon.com/Make-Millions-Change-ebook/dp/B0031ESWBQDoes Your Bag Have Holes? 24 Truths That Lead to Financial and Spiritual Freedom [Kindle Edition]
http://www.amazon.com/dp/B00486U6D8THE SECRETS TO BUILDING A LUCRATIVE IMPORTING BUSINESS IN YOUR SPARE TIME FROM HOME [Kindle Edition]
http://www.amazon.com/BUILDING-LUCRATIVE-IMPORTING-BUSINESS-eboo...Critical Thinking: Tools for Taking Charge of Your Professional and Personal Life [Kindle Edition]
http://www.amazon.com/dp/B004MMEIY6Power Rapport Building: How To Build Instant Rapport With New Friends, Romantic Interests, And Coworkers [Kindle Edition
http://www.amazon.com/dp/B00AKO7HTSThe Mind-Made Prison: Radical Self Help and Personal Transformation [Kindle Edition]
http://www.amazon.com/dp/B006PHDCTILive Simple: 31 Tips To Declutter, Simplify, And Organize Your Life [Kindle Edition]
http://www.amazon.com/dp/B00CMEW7US/Household Hacks: Cleaning Tips and Tricks To Save You Money, Time, and Energy When Cleaning Your House [Kindle Edition]
http://www.amazon.com/dp/B00B3OAKC0/Long Knife-Life, Living on the Edge One woman's unusual Vietnam-war-torn love story [Kindle Edition]
http://www.amazon.com/dp/B007QWEMW2
Totally Free Deals
19 free Kindle Books
Added on : Tuesday August 06th 2013 07:00:09 AM
g: 0 Posted By: remick
Views: 0 Replies: 0 Free at the time of postingTRINIDAD CARNIVAL RECIPES [Kindle Edition]
http://www.amazon.com/dp/B00C4XJHNM/Quick Fix Healthy Breakfasts Under 300 Calories: That Keep You Feeling Energized and Help You Lose Weight [Kindle Edition]
http://www.amazon.com/dp/B008IXLF2SThe Vegetarian: Italian Cookbook [Kindle Edition]
http://www.amazon.com/dp/B009KLZFKA/Grilled Cheese :The Ultimate Recipe Guide - Delicious & Best Selling Recipes [Kindle Edition]
http://www.amazon.com/Grilled-Cheese-Ultimate-Delicious-ebook/dp...Authentic Mexican Recipes Made Easy: How To Make Green Sauce Chicken Tamales [Kindle Edition]
http://www.amazon.com/Authentic-Mexican-Recipes-Made-ebook/dp/B0...Danish Baking [Kindle Edition]
http://www.amazon.com/dp/B00E7Z6ZK8Mastering Major Account Selling [Kindle Edition]
http://www.amazon.com/Mastering-Major-Account-Selling-ebook/dp/B...Your Book Your Profits [Kindle Edition]
http://www.amazon.com/dp/B005NIABYECompete Outside the Box: The Unconventional Way to Beat the Competition [Kindle Edition]
http://www.amazon.com/dp/B00760B7UYMake Millions and Make Change! [Kindle Edition]
http://www.amazon.com/Make-Millions-Change-ebook/dp/B0031ESWBQDoes Your Bag Have Holes? 24 Truths That Lead to Financial and Spiritual Freedom [Kindle Edition]
http://www.amazon.com/dp/B00486U6D8THE SECRETS TO BUILDING A LUCRATIVE IMPORTING BUSINESS IN YOUR SPARE TIME FROM HOME [Kindle Edition]
http://www.amazon.com/BUILDING-LUCRATIVE-IMPORTING-BUSINESS-eboo...Critical Thinking: Tools for Taking Charge of Your Professional and Personal Life [Kindle Edition]
http://www.amazon.com/dp/B004MMEIY6Power Rapport Building: How To Build Instant Rapport With New Friends, Romantic Interests, And Coworkers [Kindle Edition
http://www.amazon.com/dp/B00AKO7HTSThe Mind-Made Prison: Radical Self Help and Personal Transformation [Kindle Edition]
http://www.amazon.com/dp/B006PHDCTILive Simple: 31 Tips To Declutter, Simplify, And Organize Your Life [Kindle Edition]
http://www.amazon.com/dp/B00CMEW7US/Household Hacks: Cleaning Tips and Tricks To Save You Money, Time, and Energy When Cleaning Your House [Kindle Edition]
http://www.amazon.com/dp/B00B3OAKC0/Long Knife-Life, Living on the Edge One woman's unusual Vietnam-war-torn love story [Kindle Edition]
http://www.amazon.com/dp/B007QWEMW2How to Visit London if You Are... Secret (and Not So Secret) Tips on What to Do, Visit, Buy, Eat, Read or Smile at When You Are in London [Kindle Edition]
http://www.amazon.com/Visit-London-Are-Secret-ebook/dp/B00CMKI23...
Should I refinance?
Added on : Wednesday July 31st 2013 07:00:11 AM
g: 0 Posted By: LTLrkr
Views: 81 Replies: 3 Found FW on a random search and been reading a lot for the last 2 months. Thought I might ask for some feedback.Cliff notes since some people like it this way :
Bought condo in Dec 2011 @ 255K and 3.75% interest rate and FHA MIP ~$230/month
Condo appreciated close to 100% - $500k.
Currently owe $240k
Should I refinance @ 4.25% to remove MIP?Long story:
I bought my condo in Dec 2011 for $255k @3.75% with FHA loan (I know big mistake) and only 3% down. Didn't know I could get conventional @ 10% (I had 15% to put down). Anyways fast forward to today, my condo has appreciated a lot, ~90-100% going by the 4 other units sold in the complex in the last 2 months. No I do not want to sell it yet. Currently owe $240kI was wondering if it would be a good idea to refinance the condo. I do not see living there for more than 5 years and my plan is to rent it out when I move (current rates are $2200-2500). I have already paid $13.7k in interest to date and interest rates have gone up. I think I should be able to get 4-4.25% without paying for points and minimum OOP expenses. I guess the only thing I would be saving here is the MIP (~$230/month) for the next 3.5 years but is it really worth saving in the long run if the interest rates go up?I think I know the answer but need a sanity check.
Personal Finance Deals
2 Questions: Student Loan Payoff and Mortgage Refi
Added on : Tuesday July 30th 2013 08:00:04 PM
g: 0 Posted By: xkilldozer
Views: 18 Replies: 0 Here's the scenario:I have a $25K student loan at 4.95% variable.
Payments are about $160 a month.
I have $35K in my emergency fund.
Should I pay it all off right now and be done with it?My current mortgage is an FHA loan from 2010 at 4.5% and I'm paying $101 per month for insurance.
Property values have increased so if I refi it will be conventional.
Does it make sense to refi the mortgage to conventional, even at 4.5%, and save the $101 per month?
I expect my out of pocket to be around $1500 for the refi.If I do refi, are there any drawbacks if rates continue to drop and I try to refi again a year from now? Would it even be possible?Thanks!
Patagonia Mens Line Logo Organic T-Shirt $21 + $5.95 S/H
Added on : Monday July 29th 2013 09:00:05 AM
g: 0 Posted By: tedhawkins
Views: 64 Replies: 0 Patagonia Mens Line Logo Organic T-Shirt $21 + $5.95 S/Hhttp://www.mackspw.com/rss_feeds/ndnd.aspxProduct Description
Patagonia Mens Line Logo T-Shirt is a shirt with a cut, fresh clean line. Like the Patagonia massif, our logo is prone to occasional shifts and changes. The colorful Line Logo T-Shirt sloughs convention with bold lines rendered by artist Aaron Draplin. Organic cotton (100%) fabric has a soft hand. This T-shirt is screen-printed using PVC and phthalate free inks, making it environmentally friendly.Taped shoulder seams for no-chafe comfort under a pack. The classic tan colors gives this tee a look that goes with anything. Patagonia Mens Line Logo T-Shirt Features:
Screen-print inks are PVC-and phthalate free
Ringspun, long-staple organic cotton for softness and durability
Taped shoulder seams for comfort and fit retention
Artist: Aaron Draplin
100% organic cotton
Clothing Deals
FREE Kindle Book - The Homemade Medicine Book was $16.97
Added on : Sunday July 28th 2013 04:00:02 PM
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Homemade Medicine Book [Kindle Edition] was $16.97Charles Silverman (Author)http://www.amazon.com/dp/B00DMITAR6Publication Date: June 24, 20131 Review ★★★★★#7 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative MedicineFor the first time a Naturopathic Doctor opens his vault to unveil the complete list of home remedies used by professionals Holistic Practitioners... All Natural Cures and Home Remedies That Will Give You RELIEF From Your Symptoms NOW Proven In Clinical Trials! "Don't go anywhere, because this could be the most important information about your health you'll ever read!" After researching 1,000's of natural cures and home remedies, spending months sifting through hundreds of reports and studies, and putting my findings to the test on real people in my natural healing clinic... I can say that the majority of natural "cures" are completely bogus. But the ones that are effective seem to work like magic! And many of them can give you almost instant relief from your symptoms. Now, you can get access to my vault of natural cures and home remedies that you can find in your own kitchen cupboard - backed by thousands of hours of scientific research... Example 1: Did you know that if every woman in the United States would get just one nutrient every day breast cancer rates would drop 50 Percent? Example 2: Did you know that you can make a natural laxative that works many times better for constipation than any over the counter laxatives? Just eat four prunes twice a day and you will have the most effective and gentlest home remedy for constipation. Example 3: Did you know that 6 cherries have the same effect as 1 aspirin? Plus cherries are filled with antioxidants! From: Charles Silverman N.D.
Certified Naturopathic and Home Remedies Expert Dear Friend, We live in the internet age, where it's easy for just about anyone to give you their two cents on how to live a healthier life. I've seen the power of all natural home remedies and treatments at work for the past 18 years in my own natural healing clinic. I believe everyone deserves the ability to heal themselves in a safe, cost efficient way - something that is becoming increasingly hard to do with modern medicine's drug saturated philosophy. I put together this site so you can make informed decisions on the best way to treat your illness using safe and effective natural home remedies. Why trust me? Not only are all my remedies guaranteed, but I've got experience and training you can feel confident in... Keeping You On The Cutting Edge Of Natural Medicine home remedies I keep you on the cutting edge of natural medicine by attending international conventions and training events. home remedies Only share proven home remedies by constantly researching the latest medical breakthroughs and discoveries of new natural cures and putting them to real life practice in my clinic. home remedies Graduated from The International Center for Professional and Technical Studies in Israel with a degree in holistic medicine. home remedies Served on First South American congress of holistic medicine and alternative therapies for low income people. Hosted by Saint Johns Catholic Church.Listen... Picture the next time you come down with diarrhea, the flu, a migraine headache, or one of dozens of other aches and discomforts we face on a regular basis as human beings... ...but instead of "toughing it out" or reluctantly going to your local doctor so he can take a quick glance at you and hand you an expensive prescription, you've got a much easier, much more effective, much safer solution right in your own kitchen cupboard! You simply grab a few common ingredients, mix them together, and voila! Not only do you have a safe and effective home remedy for your illness or problem, you just saved yourself from hours of frustration sitting in a doctors office and potentially $100's of dollars. Beat Diabetes... Drop High Blood Pressure... Prevent Cancer... And Soothe Aching Joints Without Expensive And Dangerous Drugs using one of the home remedies here.
g: 0 Posted By: archena
Views: 45 Replies: 0 http://www.amazon.com/gp/goldboxhttp://www.amazon.com/dp/B008C9UFDI
"FlashXpress" double Infrared Light cooks up to 40-percent faster than conventional toaster ovens
Automatically calculates the cooking time for Bread, Frozen Foods and Reheating, so guessing is eliminated, Digital Timer
-menu illustrated preset buttons for easy of use
Instant heat eliminates preheating for quick cooking (Temperature Settings 250 - 500 Degree F)
Meaures 10 1/4" (H) x 13" (D) x 12" (D), 7.5 lbs, Silver and Inner dimensions are 10.2 x 9.8 x 4.1 inches278 Reviews - ★★★★.5#4 in Kitchen & Dining > Small Appliances > Ovens & Toasters > Toaster OvensDeal ends @ 3PM EDT/12PM PDT
Dell 1355CNW Multifunction Color Laser Printer w/ Fax $199.99
Added on : Tuesday July 23rd 2013 05:00:03 PM
g: 0 Posted By: kaktak
Views: 80 Replies: 0 MS Storehttp://www.microsoftstore.com/store/msusa/en_US/pdp/Dell-1355cnw...
was $379"Experience high-quality color printing, sharp and crisp text, and eye-catching photo printouts with the Dell 1355cnw multifunction color printer.
At print speeds of up to 15 pages per minute (ppm) mono and 12 ppm color, the 1355cnw can reliably produce high-quality printing, up to 30,000 pages per month. It gives you copy, fax, scan, and color print capabilities in one compact unit with network connectivity, so everybody in your workgroup can share.
Its LED printing technology delivers superior print quality, lower energy consumption, and maintenance-free performance. The 1355cnw provides effortless setup and installation via its USB 2.0 port. It's also Energy Star certified, making it more power efficient than conventional models and lets you print vivid, bright, and vibrant copies with ease.
Up to 15 ppm mono and up to 12 ppm color
128 MB memory
Standard Ethernet 10/100 Base-T networking (internal), USB 2.0, and WiFi
295 MHz processor speed"
laser printers Deals

Microsoft Store Coupons
Purchasing a vacation home
Added on : Monday July 22nd 2013 08:00:08 AM
g: 0 Posted By: berkeleyman
Views: 117 Replies: 0 Hi All,I am a long-time reader of FWF and now decided to get some advice from the crowd on the financial implications of purchasing a vacation home(~$90k). I've seen a few threads on this but none answer all of my questions.
So here it goes:
1) Financing - I have enough cash savings for 40-50% down-payment and can finance the rest (or even 100%) with HEL on my main house. With penfed 2.74% APR it seems a no-brainer and I foresee no problems for 10-year term. Is there a financial reason not do do it, e.g. go conventional mortgage route?2) I found the house myself and saw it with seller's agent. Now I would like to get my own representative, hopefully with buyers rebate. I saw a few companies around that advertise 2% which sounds pretty good. Should I just go with one of these or should I email some local realtors asking if they'd do this for me. Please share your experiences in finding rebate realtor.3) The house is furnished and per listing agent all the furniture stays. How do I make sure of this in the Purchase Agreement? Should there be an itemized list or ...?4)I am considering offering weekly rentals on the house with VRBO or airbnb. I am not expecting the income to afford the purchase but it's nice to have a side income. I am not sure if this deserved a separate thread but if someone is doing this I would appreciate your advice on where I should start my research on the topic to avoid legal pitfalls etc. Do I need to think about any of this in the pre-purchase stage?Thanks!
Personal Finance Deals
5qt jug of Valvoline Motor Oil $5 off at Walmart with coupon.
Added on : Sunday July 21st 2013 01:00:03 PM
g: 1 Posted By: fsu67
Views: 122 Replies: 0 5qt jug of Valvoline Motor Oil $5 off at WalMart with coupon. Comes out too about $10.67 for a jug of Valvoline conventional oil.
http://www.coupons.com/coupons/Automotive-Coupons-890/?CRID=CJ_2...
Tools & Automotive Deals

Walmart Coupons
The North Face Big Fat Frog 24 - Tent $229.96 @ Campmor
Added on : Sunday July 21st 2013 06:00:02 AM
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 the north face Big Fat Frog 24 - Tent $229.96 @ Campmorhttp://www.campmor.com/outdoor/gear/Product___28575the north face Big Fat Frog 24 tent sleeps 2 and has a very large poled vestibule to stow a lot of excess or wet gear. This variation of a classic backpacking tent design also features roof and walls that are 100% no-see-um mesh so breezes get in but bugs don't. The full coverage fly fully envelops the tent and hooped vestibule to give the ultimate in weather protection. Sturdy shockcorded DAC PressFit poles are the backbone of this classic design and they are easy to use with the revolutionary ultralight clip set up system. Set up is even easier with the simple to understand color coded set up system. The Big Fat Frog offers room to sleep, room for storage, great weather protection and great ventilation. How good is that? Sleeps 2
Main fly and floor seams are factory sealed
Full coverage fly completely protects the tent from the weather
HUGE front hooped vestibule provides additional storage space (14.3 sq ft)
Classic design
DAC PressFit aluminum poles are lightweight and reliable
Ultralight all clip system is lighter and easier to use than conventional clips
Freestanding design is stable and easy to set up
Bathtub floor wraps up the sides and keeps you dry
1 large circular door
All mesh design is great for ventilation and stargazing
Color coded pitch system for fast set up
Gear pockets and gear loops make organization and stuff stashing easy
Post and grommet for easy set up
All carry sacks and stakes included
Fast Pack Weight - 4 lbs 11 oz - leave the tent body home, bring the poles, fly and optional fitted footprint to create an ultralight shelter
Includes convenient flashlight loop on the ceiling
Guy out points for stability in wind
Fire retardant
Import.
The first 10 people to reserve a hotel room through MoneyShow for the Marriott Marquis will get their 2nd night FREE! Call 800/970-4355 to register and claim your free night...be sure to mention priority code 032375.
We don't want you to miss the opportunity to win your second night free* at the Marriott Marquis during The MoneyShow San Francisco, August 15-17, 2013. This special deal is limited to the first 10 people who call 800-970-4355 to register and book at MoneyShow's exclusive discounted rates by 5:30 PM EDT, July 22. Inventory is extremely limited, so call now and mention priority code 032375!All the convenience of staying in the same hotel as The MoneyShowno traffic to fight... no parking headaches... just an elevator ride away from all The MoneyShow sessionsat a fraction of the cost! Call today to maximize your valuable time at the Show. Reservations are on a first-come, first-served basis, and only the first 10 who call and reserve will receive one free night*, so don't delay: call and reserve your room today! Call 800/970-4355 to register and mention priority code 032375 when booking your room.*This special offer is limited to one free night per family and only valid on available nights during The MoneyShow San Francisco 2013. Offer is not valid on existing reservations and is only applicable to the first ten (10) new reservations booked through MoneyShow between July 15-22, 2013.
Marriott Marquis
780 Mission Street
San Francisco, CA 94103Discover a beautiful downtown San Francisco hotel rising 39 stories high into the city skyline at the fabulous San Francisco Marriott Marquis. Just south of Market Street, this San Francisco convention center hotel is situated across the street from the Moscone Center and steps away from the city's top attractions, including the historic cable cars and world-class shopping on Union Square and Westfield's San Francisco Center.Take advantage of discounted pricing today!
Only the first 10 callers will get their second night free*. Inventory is limited, and reservations are on a first-come, first-served basis, so call now! The deadline to lock in this discounted rate is July 22, 2013.Our room block will fill up quickly, so don't delay! Call today: 800/970-4355 and mention priority code 032375.

San Francisco Marriott Marquis:
$209* single/double*15.5% tax + .25 cents added to room rates. Deposit of one night's room and tax via credit card required upon reservation. Cancellations must be received 72 hours prior to arrival for full refund.NOTICE: You are receiving this e-mail because you provided us with your e-mail address and expressed interest in receiving updates about other events designed for the investing community by MoneyShow.
This email was sent by: MoneyShow
1258 N. Palm Avenue Sarasota, FL, 34236, USA
Marriott Hotels and Resorts Coupons
Marriott Marquis downtown SF B1G1 Aug.15 only (must book quick!)
Added on : Monday July 15th 2013 01:00:03 PM
The first 10 people to reserve a hotel room through MoneyShow for the Marriott Marquis will get their 2nd night FREE! Call 800/970-4355 to register and claim your free night...be sure to mention priority code 032375.
We don't want you to miss the opportunity to win your second night free* at the Marriott Marquis during The MoneyShow San Francisco, August 15-17, 2013. This special deal is limited to the first 10 people who call 800-970-4355 to register and book at MoneyShow's exclusive discounted rates by 5:30 PM EDT, July 22. Inventory is extremely limited, so call now and mention priority code 032375!All the convenience of staying in the same hotel as The MoneyShowno traffic to fight... no parking headaches... just an elevator ride away from all The MoneyShow sessionsat a fraction of the cost! Call today to maximize your valuable time at the Show. Reservations are on a first-come, first-served basis, and only the first 10 who call and reserve will receive one free night*, so don't delay: call and reserve your room today! Call 800/970-4355 to register and mention priority code 032375 when booking your room.*This special offer is limited to one free night per family and only valid on available nights during The MoneyShow San Francisco 2013. Offer is not valid on existing reservations and is only applicable to the first ten (10) new reservations booked through MoneyShow between July 15-22, 2013.
Marriott Marquis
780 Mission Street
San Francisco, CA 94103Discover a beautiful downtown San Francisco hotel rising 39 stories high into the city skyline at the fabulous San Francisco Marriott Marquis. Just south of Market Street, this San Francisco convention center hotel is situated across the street from the Moscone Center and steps away from the city's top attractions, including the historic cable cars and world-class shopping on Union Square and Westfield's San Francisco Center.Take advantage of discounted pricing today!
Only the first 10 callers will get their second night free*. Inventory is limited, and reservations are on a first-come, first-served basis, so call now! The deadline to lock in this discounted rate is July 22, 2013.Our room block will fill up quickly, so don't delay! Call today: 800/970-4355 and mention priority code 032375.

San Francisco Marriott Marquis:
$209* single/double*15.5% tax + .25 cents added to room rates. Deposit of one night's room and tax via credit card required upon reservation. Cancellations must be received 72 hours prior to arrival for full refund.NOTICE: You are receiving this e-mail because you provided us with your e-mail address and expressed interest in receiving updates about other events designed for the investing community by MoneyShow.
This email was sent by: MoneyShow
1258 N. Palm Avenue Sarasota, FL, 34236, USA
Marriott Hotels and Resorts Coupons
Sears Auto Centers 7/14-8/3 Conventional Oil Change $19.99 or $15 off Hi-Mileage or Synth Oil Change after coupon and $5 Shop Your Way points ($19.99) sku 28406

www.sears.com

Coupon appears in circular in Sunday 7/14 papers on page 7, hopefully coupon will be online to print out as well. valid 7/14-8/3

Conventional $19.99

Hi Mile or Syth Oil Change $15 off (10 instant w/coupon, earn 5K SYW points)
Sears Coupons
Sears Auto Centers 7/14-8/3 Conventional Oil Change $14.99 after $5 Shop Your Way points ($19.99) sku 28406

www.sears.com

Coupon appears in circular in Sunday 7/14 papers on page 7, hopefully coupon will be online to print out as well. valid 7/14-8/3
Sears Coupons
Mechanical Gaming Keyboard - Cherry MX Blue - $44.11 ( Monoprice )
Added on : Friday July 12th 2013 07:00:03 AM
Today only!$44.11 at MonopriceNormally $66.95 ( Monoprice's store on Amazon ), I believe.Have you wanted to get a nice mechanical switch keyboard for your PC, but cannot justify the excessive cost? Monoprice comes to the rescue with this Mechanical Gaming Keyboard with Cherry MX Blue keys!This keyboard is designed as a bare-bones, no-frills mechanical board. You don't get a USB hub, or backlighting, or macro programmability. What you do get is a high-quality, durable keyboard using Cherry MX Blue keys at the lowest possible price, without sacrificing quality, of course!But why would you even spend this much on a keyboard when you can get other keyboards for $5? There are two possible answers. First, just try it. Take a chance on our 30-day money-back guarantee and try it for yourself. Once you get a feel for using a mechanical keyboard, you will never go back.The second answer is a bit more long-winded:Membrane style keyboards typically have a minimal travel distance. To register the keystroke the key must be completely depressed, yet instead of a positive feeling of bottoming out the key, it produces a mushy feeling with no tactile sensation of a full keypress. Because of the requirement to bottom out the key to get it to register and the lack of tactile feedback, a membrane keyboard can result in greater hand and finger fatigue and can even contribute to carpal tunnel issues.On the other hand a mechanical keyboard uses physical switches for each key. The switches have longer travel, yet can register a keystroke without requiring full depression, depending on which type of switch is used. This allows gamers to "double-tap" more easily and allows for faster typing. This keyboard uses the industry leading Cherry MX Blue switches, which require about 50-60 grams actuation force and which provide a physical and audible tactile click at the activation point. The switches are gold plated to prevent corrosion and have a life cycle of over 50 million keypresses, which is 5-10x more than that of a conventional membrane keyboard.Another advantage of this mechanical keyboard is that it supports "N-key rollover". Each switch is individually monitored so that each keypress is registered properly, even though other keys are being actuated at the same time. Typical membrane keyboards and most mechanical keyboards with a USB interface only support 6-key rollover (maximum 6 keys registering at a time), but this model supports 64-key rollover, which allows for complex gaming combos as well as faster touch typing with fewer errors.Note that the keys produce an audible click when they bottom out, so this keyboard is noisier than your typical membrane keyboard. However, many gamers and typists actually prefer the audible feedback and find it to help maintain faster typing speeds.Features:Uses Cherry MX Blue switches
Gold plated switch contacts
Switches rated for over 50 million keystrokes
2 mm keyswitch actuation distance, 4 mm full throw distance
Requires 50-60 grams actuation force
Cylindrical shaped keytops
First home buyer - 30 yr fixed jumbo or 5/5 arm
Added on : Thursday July 11th 2013 02:00:04 AM
I'm first time buyer and buying a bigger home. I've sufficient finances and make 150-175k/year. Enough in 401k/roth/ira, emergency fund etc.My son goes to college in about 7 years. I plan to be in house for > 10 but may be less than 15 years. Home is $750k, taking 600k loan.1. I have option of paying upfront cash and take $417k conventional loan. I have convinced myself not to waste liquid cash.2. I get 30 yr fixed jumbo @4.375% interest with $3000k payout from Wells fargo. Or using famous penfed 5/5 arm with closing costs covered @8000$. There is difference of 1.375% difference between the two.
Is it better to take 30 yr fixed or arm? Thanks. Is it better to pay off in about 10-15 years or at least keep min. debt?
*Super Smash Bro Pre-Order (Nintendo 3DS)
*$34.99 + Free Shipping
*Promo Code: EMCXNXL95
*Release Date: 12/31/13Like previous games in the series, Super Smash Bros. is a competitive fighting game in which up to four players from various Nintendo games fight against each other. Players use a variety of attacks to damage their opponent, increasing their damage percentage which makes them easier to knock out of the playing field. Smash Balls, first introduced in Super Smash Bros. Brawl, make a return, allowing whoever obtains them to perform extremely powerful attacks.Along with returning characters including Mario, Bowser, Link, Fox McCloud, Kirby, Pikachu, Donkey Kong, Samus Aran, and Pit, three new characters have been introduced: the Villager from the Animal Crossing series and Mega Man from Capcom's eponymous series were shown in the promotional trailer while the Wii Fit Trainer was later displayed on the convention floor. The game is presented in high-definition visuals on Wii U and cel-shaded visuals on the Nintendo 3DS. Both versions of Super Smash Bros. will contain the same number of playable characters, but feature exclusive stages. The Nintendo 3DS version will include more stages based on Nintendo's handheld video games, while the Wii U version will have more stages designed after their home console releasesThe Legend of Zelda: A Link Between Worlds Pre-Order(Nintendo 3DS)
*$34.99 + Free Shipping
*Promo Code: EMCXNXL94
*Release Date: 12/31/13This new Zelda title, dubbed Legend of Zelda 3DS, is set in the world of the SNES classic, A Link to the Past but isn't a direct sequel. It finds Link with the new magical ability to flatten himself and turn into a drawing on the wall, giving developers a whole new dungeon mechanic to play with. The game will also feature multi-level dungeons which should look incredible using the Nintendo handheld's 3D capabilities. The graphics and art style look absolutely beautiful as well. Of course, that's pretty much expected from a Zelda title -or any of Nintendo's first party titles for that matter.Low Price Guarantee
Newegg will monitor your purchase for any price decreases and will honor the final Sales Order price of the item if it is lower than the price at pre-order. Newegg will not honor any other lower amount before that time.
Newegg Coupons
Sam's Club has an 24" IPS monitor for under $200 before tax and shipping.http://www.samsclub.com/sams/lg-24in-ips-monitor/prod9300299.ip?sprodId=prod9300299Price: $198.78 before tax and shipping (shipping costs vary depending on location...for me, it was $5.55. YMMV) low stock online, but it's possible for pick up in-store.
24" LG 24EC53V-P IPS Monitor

Resolution: 1080p
IPS Panel
LED Back Lighting
5M:1 Digital Fine Contrast Ratio
Description
LG 24" Class Slim IPS LED Monitor
The LG EA53 LED Monitor Features an IPS Panel that keeps image colors consistnat with minimal distortion at any angle. Want stunning resolution? No Problem! The EA53 is a full HD Monitor with 5,:1 Dynamic Contrast Ratio and LED Backlighting that gives you incredibly vibrant colors.

IPS Panel
Super In Plane Switching or Super IPS controls the liquid crystal display to help distortion at a minimum and allows users to view images on the screen at virtually any angle.

LED Backlighting
Want deeper blacks and richer colors? LG'S LED technology provides even greater control of brightness and delivers better contrast, amazing clarity and color detail, as well as greater energy efficiency compared to conventional LCD monitors.

Full HD 1080p
This stunning picture is the reason you wanted HD in the first place. With Almost double the pixel resolution, Full HD 1080p gives it a superior picture quality over standard resolution. You'll see details and colors like never before
Read More
Specifications
Panel:
Type: IPS
Display Area: 23.8"
Resolution: 1920*1080
Contrast Ratio: 5M:1
Viewing Angles: 178/178 (CR>10)
Response Time: 5ms
Light Source: LED
Brightness: 250 (cd/m2)
Panel Surface: Hard coating(3H)
Video Input
Digital:
D-Sub
DVI-D
HDMI
Compatibility
PC: Windows 8 Connector
Audio Out: Headphone Out
Power Voltage: 100~240V
Consumption: >0.3W (max)
Audio Speakers: N/A
Ergonomics Tilt Up: Yes / -5(+/-3)(front) ~ 20(+5/-0)(rear)
Package Contents:
24EC53V-P Monitor
Power Cord

Details
Assembled Country: Indonesia
Assembled Size Dimensions: 22.3 x 16.4 x 7.1
Weight: 7.3 lbs
Component Country: ImportedI don't know on quality, but the price seems decent.I hope this might help someone. Thank you for reading.
Sams Club Coupons
Moods and Markets: A New Way to Invest in Good Times and in Bad (Minyanville Media) [Kindle Edition] was $39.99Peter Atwater (Author) http://www.amazon.com/dp/B008J8RCTWPublication Date: July 6, 2012Publisher: FT Press25 Reviews ★★★★#6 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing#6 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > FinanceLeading consultant and Minyanville contributor Peter Atwater has helped institutional investors, corporations and policymakers map changing social moods to emerging market shifts, and use that knowledge to identify huge new market opportunities. Now, Atwater shows you how to use the same powerful Horizon PreferenceTM approach to select your own high-performance investments. Utilizing what is often in plain sight, but overlooked and underestimated, Horizon Preference helps you understand how we narrow our physical, time and relationship horizons to the "local" in bad times, and widen them to the "global" in better times and then translate that knowledge into better investment decisions. Atwaters Moods and Markets offers powerful new insights into everything from market bubbles to the real challenges of making mergers work why "farm to table" and "locavore" movements are booming now, and whats likely to happen next why Americans now want to rent homes even though its become far more affordable to buy them why the "Arab Spring" is bullish, and higher education is in deep trouble which businesses prosper in a downturn, which prosper most in an upturn and why. This book will be an invaluable resource for every serious investor, trader, and money manager.Peter Atwater has used his exclusive Horizon Preference approach to help top asset managers, major endowments, and hedge funds map changes in social moods to shifts in the markets and to identify huge new market opportunities. Now, he shows serious investors how to use the same powerful techniques these top global investors already rely on.  Building on insights from Elliott Wave Theory and Robert Prechters work in socionomics, Moods and Markets shows how we naturally narrow our physical, time, and relationship horizons to the local in bad times and widen them to the global in better times. Atwaters easy-to-understand framework helps investors quickly identify the direction of social mood and the markets using readily available, but frequently overlooked, clues from the world around us. To Atwater there is no coincidence to the Occupy Wall Street movement, The Hunger Games, Downton Abbey, farm-to-table dining, and the rise of Facebook with our volatile stock markets today. Moods and Markets explains why.  Through numerous recent real-life examples, readers will gain deeper insights into short- and long-term investment trends in virtually every key market sector. Along the way, Atwater helps you to identify the consistent mood-based characteristics of market turning points that dont show up in conventional analysisand that can disastrously impact your portfolio if you miss them.  Moods and Markets explains: The difference between mood and emotionand why mood matters more How to use mood to identify significant market tops and bottoms How changing moods drive public sector decisions that impact your portfolio Todays market mood and where we may be headedand how to decide for yourself
About the AuthorPeter Atwater is President of Financial Insyghts, a consulting firm providing advice to institutional investors, major corporations, and global policymakers on how social mood affects decision making, the economy, and the markets. A pioneer in securitization and a long-time financial services executive, through Moods and Markets, Peter brings his innovative social mood-based thinking to the world of investing. A regular contributor to Minyanville, Peters work on social mood and decision making has been featured in The Socionomist, Time Magazine, and The Financial Times.
Amazon Coupons
Gill 7441 Pro Sailing Gloves Short Fingered $25.75
Added on : Monday July 01st 2013 11:00:03 AM
$25.75 Best gloves for the best price.Gill 7441 Pro Sailing Gloves Short Fingered Features:Patented pre-curved fingers with Seamless.com construction for ultimate durability
Superior durability Proton-Ultra palm and fingers with wrap construction prevents rope burn - tested and proven to be significantly more durable than conventional glove materials
Tacky, non slip palm reinforcement provides both wet and dry grip
Contoured fit for dexterity
Generous length thumb and index finger for maximum protection
Durable stretch woven fabric on back for more flex
Inside wrist closure prevents false starting of watch
LINKDISC7682 - Add this code for another $3.50 off (thanks to wrightj7)Silicone Baking Mat - Non-stick baking sheet liner fits half-size pan - Professional grade high quality easy-clean cookware with FDA approval - the healthy cooking solution - 11 5/8 x 16 1/2 inches - BrightSpring Bakeware offer a no-quibble guarantee for complete peace of mind Product Description
NO MORE MESSY PAPER OR SPRAYS - THE NON-STICK BAKING SOLUTIONForget stuck on food and uneven baking, the BrightSpring silicone baking mat gives you the results you want without the hassle.- Safe for temperatures from -40F to 480F (-40C to 248C).
- Safe for use in the freezer, microwave and toaster ovens as well as conventional ovens.
- Ideal for baking, candy-making, kneading dough, as a work surface or for cooking any other food products. Not suitable for chopping or cutting.
- No need for oils or sprays, make your bake super-healthy
- Measures 11 5/8 x 16 inches, fits a half-size baking sheet.
Amazon Coupons
LINKDISC7682 - Add this code for another $3.50 off (thanks to wrightj7)Silicone Baking Mat - Non-stick baking sheet liner fits half-size pan - Professional grade high quality easy-clean cookware with FDA approval - the healthy cooking solution - 11 5/8 x 16 1/2 inches - BrightSpring Bakeware offer a no-quibble guarantee for complete peace of mind Product Description
NO MORE MESSY PAPER OR SPRAYS - THE NON-STICK BAKING SOLUTIONForget stuck on food and uneven baking, the BrightSpring silicone baking mat gives you the results you want without the hassle.- Safe for temperatures from -40F to 480F (-40C to 248C).
- Safe for use in the freezer, microwave and toaster ovens as well as conventional ovens.
- Ideal for baking, candy-making, kneading dough, as a work surface or for cooking any other food products. Not suitable for chopping or cutting.
- No need for oils or sprays, make your bake super-healthy
- Measures 11 5/8 x 16 inches, fits a half-size baking sheet.
Amazon Coupons
Amazone-Silicone Baking Mat $10 off + $3.50 with code DISC7682
Added on : Monday July 01st 2013 06:00:06 AM
LINKDISC7682 - Add this code for another $3.50 off (thanks to wrightj7)Silicone Baking Mat - Non-stick baking sheet liner fits half-size pan - Professional grade high quality easy-clean cookware with FDA approval - the healthy cooking solution - 11 5/8 x 16 1/2 inches - BrightSpring Bakeware offer a no-quibble guarantee for complete peace of mind Product Description
NO MORE MESSY PAPER OR SPRAYS - THE NON-STICK BAKING SOLUTIONForget stuck on food and uneven baking, the BrightSpring silicone baking mat gives you the results you want without the hassle.- Safe for temperatures from -40F to 480F (-40C to 248C).
- Safe for use in the freezer, microwave and toaster ovens as well as conventional ovens.
- Ideal for baking, candy-making, kneading dough, as a work surface or for cooking any other food products. Not suitable for chopping or cutting.
- No need for oils or sprays, make your bake super-healthy
- Measures 11 5/8 x 16 inches, fits a half-size baking sheet.
Amazon Coupons
Silicone Baking Mat $10 off RRP now $16.99 - saving of 37%
Added on : Monday July 01st 2013 04:00:04 AM
LINKSilicone Baking Mat - Non-stick baking sheet liner fits half-size pan - Professional grade high quality easy-clean cookware with FDA approval - the healthy cooking solution - 11 5/8 x 16 1/2 inches - BrightSpring Bakeware offer a no-quibble guarantee for complete peace of mind Product Description
NO MORE MESSY PAPER OR SPRAYS - THE NON-STICK BAKING SOLUTIONForget stuck on food and uneven baking, the BrightSpring silicone baking mat gives you the results you want without the hassle.- Safe for temperatures from -40F to 480F (-40C to 248C).
- Safe for use in the freezer, microwave and toaster ovens as well as conventional ovens.
- Ideal for baking, candy-making, kneading dough, as a work surface or for cooking any other food products. Not suitable for chopping or cutting.
- No need for oils or sprays, make your bake super-healthy
- Measures 11 5/8 x 16 inches, fits a half-size baking sheet.
Amazon Coupons
DIY Mobil Super 5000 Conventional Oil Change Special 5W-30/10W-30/5W-20/10W-40 and Includes Driveworks Oil Filter $16.99 YMMV In-Store only!
Also deal works with Peak motor oil. Even Castrol GTX motor oil change special for $19.99.
Found it in this Ad.
http://shop.advanceautoparts.com/webapp/wcs/stores/servlet/conte...
Advance Auto Parts Coupons
It is also available for a $1 more at Costco. Original Price: $1,498
Instant Savings: $200
Offer valid from 6/22/2013 through 7/3/2013 while supplies last.http://www.samsclub.com/sams/60-240hz-3d-led-tv-1080p-4-hdmi-wif...
Specifications
General
VIZIO Internet Apps Plus Instantly enjoy the latest hit movies, TV shows, music and even more apps made for the big screen
Theater 3D Crystal-clear, flicker-free, brighter 3D than conventional 3DTVs.
Razor LED with Smart Dimming for a more vibrant picture with deeper contrast all in an ultra-thin design
240Hz effective refresh rate with Smooth Motion enhanced with backlight scanning
Enjoy stunningly sharp fast action scenes
Built-in Wi-Fi easily connect to the Internet with ultra fast wireless
Includes 4 pairs of lightweight, battery free, Theater 3D glasses
M-Series Signature Design Give your room a designer upgrade with the M-Series razor thin, near borderless signature design
1080p Full HD resolution Enjoy high-definition TV with a crystal-clear picture
10 million to 1 ultra-high contrast Get brighter colors and deeper blacks
Backlit smart remote included perfect for night time TV watching
4 HDMI ports perfect for connecting all your high definition entertainment to the TV
USB ports share photos, music, and video right on the big screen
DTS Studio Sound - Advanced virtual surround sound audio Technical Data: VIDEO: Screen Size: 60" Class
Design: Razor thin, ultra-slim frame design
Smart TV: Yes, VIZIO Internet Apps
3D: Theater 3D
Backlight Type: Razor LED with Smart Dimming
Resolution: 1920 x 1080 (1080p)
Refresh Rate: 240Hz with Smooth Motion
Smart Dimming: Yes
Smooth Motion: Yes
Built-in Wi-Fi: Yes Includes 3D Theater Glasses: XPG3 (8 pairs) for M601d-A3R Display: Diagonal Viewable: 60.04"
Aspect Ratio: 0.672916666666667
Dynamic Contrast Ratio: 10 million to 1
Viewable Angle (H/V): 178o/178o
Number of Colors: 1.07 Billion (10-bit)
OSD Language: English, Spanish, French Audio: Speaker Power Output: 10W x 2
DTS StudioSound: Yes
DTS TruSurround: Yes
DTS TruVolume: Yes Inputs: HDMI: 4
Component: 1
Composite: 1 (shared with component)
Tuner: 1
Ethernet: 1
USB: 2 Outputs: Analog Audio Out: Yes (RCA)
Digital Audio Out (SPDIF): Yes (Optical) Multimedia Features: Smart TV Apps: Netflix, Amazon Instant Video, MGO, VUDU, Hulu Plus, YouTube, Pandora, iHeartRadio, Facebook and more
USB Music: Yes
USB Photo: Yes
USB Video: Yes
DLNA Compatible: Yes, access media on DLNA-enabled network devices Energy Savings:
Energy Compliance: ENERGY STAR 6.0
Power Consumption: 91.7W
Standby Power Consumption: <1W
Ambient Light Sensor: Yes
Wall Mount Specifications: Mount Pattern: 400mm x 400mm
Screw Size: M6 Included Accessories: Remote Control: XRT510 Backlit Smart Remote Control
Battery Type: AA x2
3D Glasses: 4 pairs
Sams Club Coupons
Buying a new House, should i go ARM 7/1?
Added on : Monday June 24th 2013 10:00:08 AM
So, I have been waiting for my short sale approval to go through and seems it will
when I first started, I was looking at 3.625% 30 yr conventional, that was over a month ago... .today I was told 4.75%... argh....I brought up the idea of the 7/1 ARM which would give me 3.250% for 7 years and I was told that most I would go up to in year 8 is 5.5%this sound like a good idea? I was told in the past to stay away from ARM's
Stuck owning a 3 family, but not upside-down. What to do?
Added on : Wednesday June 19th 2013 06:00:07 PM
Seeking to improve my financial position, I bought a three family home using an FHA Rehab loan while the $8000 tax credit incentive existed in 2009. I had essentially no non-retirement assets at the time and had to do this in a highly leveraged fashion, using a credit card 0% on purchases offer and the US Mint deal to establish a reserve suitable for the down payment. The house is in a slightly run down area of a northeast US city where vacancy rates are running around 9%.The house was bought in foreclosure for ~120k in 2009 using an FHA rehab loan, with ~195k total owed after closing costs and rehabilitation costs were rolled in. It is now a turnkey property with all new heating systems, renovated rooms, flooring, etc. At present, I live in one unit which has a likely market value of $1000 per month, and the other two units rent for a combined $1600 / month (which is probably slightly below market. It's realistic that I could get $1800 in total, but would need to find new tenants for one of the units to do this.) Unfortunately, there were cost overruns with the rehabilitation, which was a situation I was prepared for, which required me to spend an additional $15k out of pocket, for a total effective basis of around $210k in the house. In addition, I had some difficulty finding tenants initially, which led to me running up around $30k of debt juggled with 0% balance transfer offers, which I have since retired to around $9000. My employer has a generous match, and I didn't want to miss out on any of that, or my ability to contribute to a roth IRA each year, and preferred the debt at an effective cost of 3-4% APY.The present mortgage payment, including property tax and insurance escrows, MIP, etc is around $1700, so the house is close to cash-flow neutral (barring repairs and common utilities), despite the fact that I'm occupying it and using 35% of its value or so - Overall, it's been a reasonable investment, but I'm still in a very cash poor position.I have an opportunity and a locked in rate to refinance the property to a new conventional 30 year loan at 3.75%, contingent upon an appraisal that allows me to do so. Because it is a three family property, I can only find reasonable deals at 75% LTV which will require me to bring up to 15k to the table to close a refinance depending on how the appraisal comes in. In the event that I can close the refinance, I plan to remain in the home for at least one year (though probably no more than two), so I qualify for an owner occupied mortgage for the re-fi, though eventually I plan to leave the region of the country I am currently living in for personal reasons. This refinance would bring my monthly payment down to around $1200-1250, which makes things considerably more affordable from a cash flow perspective, even if I continue to reside in the home. Obviously, I don't have $15k, but I can obtain it via a 401k loan with ease, and pay that off using credit card balance transfers, though I'm hesitant to carry significant sums of revolving debt. I am not aware of affordable HEL or HELOC products for this type of property at the LTV I'm talking about.Unfortunately, my job is not particularly highly paying relative to regional cost of living, and I don't have a lot of mobility at the moment with my current employer. In addition, it has become somewhat insecure lately, and I've become relatively burnt out on the industry and job function which I find under-challenging on a good day. In the event I were to lose my job, I would likely leave this region of the country almost immediately, and either sell the home or turn it into a straight rental property. The sale might end up being at significant loss when considering realtor fees and the relative illiquidity of homes that are "over-improved" for market conditions, (I feel that I'd have to hang onto the home for a long time to get the right price, or quick-sell it for around $200k), it would seem to be a more prudent option to be an absentee landlord and find a property manager in this eventuality. I don't feel particularly well suited to being a landlord, though I've done alright so far, I suppose, and though my overall net worth is pretty good compared to the income I've had, I feel as though I'm in a bit of a bind.What would FWF suggest that I do to maximize my long term financial health and peace of mind? Thanks in advance for any help or suggestions offered.
Stats:
Age: 29 Single, no kids, no plans for kids, reasonably good healthIncome: ~$50k / yr gross, excluding the rental.Property:$200k assessment, probably $225k zestimate, probably worth $230-240k due to higher than standard level of interior improvements
$180k - Mortgage at 5.75% + FHA MIP for one more year, 26 years remainingAssets: $85k 401k, fully vested, about half roth and half traditional
$60k Roth IRA of which 24k are contributions
$10k HSA
~$3k mid 2000s sedan paid in fullLiquid Assets:$7k in the bankDebts:$9k - 0% BT Through June 2014 (debt is related to renovation of the home, and was about 10k higher 2 years ago)FICO around 780, approx ~$120k in available credit across several CC issuers, regular 0% promotions, though mostly with a 3-5% transfer fee.
(BTW, this is not an alt account, I have lurked here for a long time, maybe almost 10 years, and have gained a lot from the community, and though I haven't had an opportunity to register or contribute as of yet, the techniques here have allowed me to help friends and family and make a positive impact on the world in general, so thank you all).
Rakuten.com offers the Fantom GreenDrive 2TB eSATA / USB 2.0 External Hard Drive, model no. GD2000EU32, for $89.99. This $20 mail-in rebate cuts it to $69.99. With free shipping, that's $0.04/GB. This "green" drive claims to draw 40% less power than conventional drives. Rebate ends June 23. Link.
Rakuten.com Shopping (formerly Buy.com) Coupons
King Bowie Knife - Crown Cutlery (was $27.95) @ $35.92 Shipped
Added on : Friday June 14th 2013 07:00:04 AM
King Bowie Knife - Crown Cutlery (was $27.95) @ $35.92 Shippedhttp://www.gearhog.com/Powerful and robust, the King Bowie displays a pompous attitude with an elegant feel. To create strength and balance within the knife, the SS18/0 steel is heat treated and flat ground during production to produce a full tang heavy blade.
A precision-tuned cutting edge rips along the 11 5/8" blade ending in a sharp dagger-like point. On the back-cut, a 5 1/4" long sharpened clip point allows for conventional and stabbing cuts.
The King Bowie handle is constructed from a Faux Cocobolo wood to create a rich, sleek look while the contoured handle provides a perfect cutting grip. A distinctive brass bolster and guard accenutates the polished look of royalty.
Keep the King Bowie at your side with the protective brown leather sheath with integrated belt loop. Features heavy stitching with strategically placed reinforcement rivets.King Bowie
Blade: 11 5/8"
Overall: 17 5/8"
Weight: 26oz
Thick: 5/16"
Sheath: Brown Leather
Steel: SS18/0
Crown Cutlery
Evolution: A View from the 21st Century (FT Press Science) [Kindle Edition] - was $34.99James A. Shapiro (Author)http://www.amazon.com/dp/B0054KOKZ2Publication Date: June 8, 201128 Reviews ★★★★#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Military History
James A. Shapiro proposes an important new paradigm for understanding biological evolution, the core organizing principle of biology. Shapiro introduces Crucial new molecular evidence that tests the conventional scientific view of evolution based on the neo-Darwinian synthesis, shows why this view is inadequate to today's evidence, and presents a compelling alternative view of the evolutionary process that reflects the shift in life sciences towards a more information- and systems-based approach in Evolution: A View from the 21st Century.

Shapiro integrates advances in symbiogenesis, epigenetics, and saltationism into a unified approach that views evolutionary change as an active cell process, regulated epigenetically and capable of making rapid large changes by horizontal DNA transfer, inter-specific hybridization, whole genome doubling, symbiogenesis, or massive genome restructuring.

Evolution marshals extensive evidence in support of a fundamental reinterpretation of evolutionary processes, including more than 1,100 references to the scientific literature. Shapiro's work will generate extensive discussion throughout the biological community, and may significantly change your own thinking about how life has evolved. It also has major implications for evolutionary computation, information science, and the growing synthesis of the physical and biological sciences.James Shapiros Evolution: A View from the 21st Century proposes an important new science-based paradigm for understanding biological evolution. Shapiro explains how conventional evolutionary theory (as elaborated from the neo-Darwinian synthesis) has become outdated, and he marshals new molecular genetics and DNA sequence evidence to reinterpret fundamental evolutionary processes.

Shapiros new information- and systems-based paradigm integrates important phenomena such as symbiogenesis, epigenetics, and natural genetic engineering. He demonstrates how active cell processes can drive the rapid, large evolutionary changes seen in the DNA that cannot be adequately explained by earlier theories.

Evolution: A View from the 21st Century is likely to generate extensive discussion throughout the biological community and might change your own thinking about how life has evolved. Shapiros vision also has major implications for evolutionary computation, information science, and the growing synthesis of physical and biological sciences.

About the Author
James A. Shapiro, Professor in the University of Chicagos Department of Biochemistry and Molecular Biology, is a leading bacterial geneticist, the discoverer of transposable elements in bacteria, and the key researcher involved in first organizing the field of mobile genetic elements. The earliest proponent of natural genetic engineering as a basic feature of evolution, he has been a leading scientific critic of orthodox evolutionary theory for 20 years.

Shapiro is co-editor of DNA Insertion Elements, Episomes, and Plasmids (1977, Cold Spring Harbor Press), editor of Mobile Genetic Elements (1983, Academic Press), and co-editor of Bacteria as Multicellular Organisms (1997, Oxford University Press). He holds a Ph.D. in genetics from Cambridge University.
Need Refi on Invest. Ppty - Short Sale 2.5 years ago, FICO 700
Added on : Friday May 31st 2013 03:00:07 PM
Okay, this is a pain. I've been close a couple of times, but so far nobody willing to give me a refi. Here's stats:investment property, four unit, LTV 70%,
FICO Transunion 700, others over 720
I have eight other real estate mortgages
short sale 2.5 years agoany suggestions? I had one guy willing to refi me, conventional, but the investor changed their guidelines to require 720 FICO on 4 units.I guess I keep waiting until my third year after short sale is up. Am paying almost nine percent on this loan, and my DTI is fine.
American Apparel for Men 60% off starting for $7 - hautelook.com
Added on : Tuesday May 28th 2013 11:00:02 AM
American Apparel for Men 60% off starting for $7 - HauteLook.comhttp://www.hautelook.comHauteLook is Nordstrom's Flash Sale. Free shipping over $100.$7-29, from shirts to tees, to pants to shorts. This season's line.
Flat rate shipping: $7.95 regardless of order size. Stock up prices.American Apparel is the epitome of Los Angeles cool. Renowned for their vertically integrated manufacturing and unconventional advertisements, the global company has established its enduring mark on the fashion world with its less-is-more approach to design. American Apparel's effortless and season-spanning basics have become the uniform of choice for today's trend-savvy men, women, kids and babies.
Las Vegas Steak Dinner+Minimum $10 free play Ellis Island
Added on : Sunday May 26th 2013 02:00:02 PM
This is a pretty awesome deal IMO. Ellis Island Casino is offering their steak dinner with a coupon from Trade Show Lifestyles. Ellis Island Casino & Brewery is home of the famous 10-ounce Top Sirloin Steak Dinner, with choice of soup or salad, baked potato, green beans and a 20-ounce microbrew beer for only $8.99 . Ellis Island Casino & Brewerys Players Club was voted No.1 by the Las Vegas Review Journal in 2012.Then you give the coupon to your server and you get a minimum of $10 free play up to $500 if you are that one in probablly 50K. Nonetheless, their steak dinner at $8.99 has been rated as one of the best deals in Vegas for at least 10+ years by Las Vegas Advisor, Anthony Curtis. You need a coupon which can be found in a weekly publication, Trade Show Lifestyles, which can be found at most grocery stores and many of the hotels near the convention center. Ellis Island is located on Koval Lane, between Flamingo and Tropicana. Text This is a one time offer, good for new and current members of their players club. 10+ years ago this dinner was $3.99, then went up to $4.99. now $8.99 but still a great value. Hint: Go at an off hour as their cafe is a very popular place.
http://sellout.woot.com/offers/rawlings-baseball-glove-4-optionsShips in 1-2 business daysCondition: NewFeatures:
Your choice of the following:

Sandlot 11.75" Baseball Glove Price $39.99 ∙ 11.75" infield glove
∙ Pro I Web pattern
∙ Recommended for adult or elite player
∙ 25% player break-in
∙ Retro leather shell
∙ Full-grain leather lace and lining
∙ Pro "I" web is typically used in middle infielder gloves
∙ Conventional back provides flexibility and strength
∙ For right-handed throwers
Gold Glove 11.5" Youth Baseball/Softball First Base Glove Price $19.99 ∙ 11.5 glove
∙ Youth pattern
∙ Basket web with fingerhood design
∙ All leather shell
∙ Zero shock sting absorption
∙ Available for right-handed or left-handed throwers
Renegade Basket Web Youth Baseball Glove Price $24.99 ∙ 11.5 glove
∙ Renegade Series
∙ All leather shell
∙ Basket web
∙ Palm pad
∙ For right-handed throwers
Fastpitch Series Youth Softball Glove Price $19.99 ∙ 11 glove
∙ Girls fastpitch model
∙ Pigskin leather design shell
∙ Pink accents for the up and coming softball player
∙ Zero Shock sting reduction
∙ For right-handed throwersShipping Note: Eligible for shipping to all 50 statesWarranty: 90 Day Rawlings
Flat ship is $5 and woot off also going on if you find something else.http://www.woot.com
http://home.woot.com
http://kids.woot.com
http://sport.woot.com
http://wine.woot.com
woot! Coupons
Hard to argue with a lightweight .45 - Notable for being under $400 in a name-brand gun. Good luck!LinkDescription: With its sleek, compact and polished design, single-stack magazine and DAO trigger, the CW Series is a viable choice for both carry conceal and home protection.
Caliber: 45 ACP
Operation: Trigger cocking DAO; lock breech; Browning - type recoil lug; passive striker block; no magazine disconnect
Barrel: 3.64, conventional rifling, 1 - 16.38 right-hand twist
Sights: Drift adjustable white bar-dot combat rear sight, pinned in polymer front sight
Finish: Black polymer frame, matte stainless steel slide
Capacity: 6+1
Overall Length: 6.32
Height: 4.8
Slide Width: 1.01
Weight: 19.7 ounces; add 2.0 for magazine
Grips: Textured Polymer
fha 203k or conventional home loan?
Added on : Friday May 10th 2013 11:01:15 AM
Looking at foreclosed houses in need of a little repair (need roof, maybe siding, nothing inside the house), the issue of financing comes up.FHA has a higher interest rate, not exactly sure how much but doesn't require too much to qualify. Repairs have to be done by a licensed contractor. Conventional, higher requirements and you can do as you wish.I think I have those right.So my question is whether its ever better to go with the 203k loan over conventional? I want more opinions than just the guy at the bank.
INFORMATION PROVIDED BY:
WALT - POINTBUZZ.COM 
McDonald's restaurants of Ohio and Coca-Cola announced the launch of Discover Ohio To Go, a first-of-its-kind promotion designed to provide travelers with exclusive discounts at some of Ohio's most popular tourism attractions. Customers who purchase a large soft drink or iced tea beverage at participating Ohio McDonald's locations between April 29 and June 9, 2013 can redeem the cup at participating tourism attractions for discounts on admission, lodging and more. The discounts are available for redemption at more than a dozen tourism attractions throughout the spring and summer.
Travelers can visit www.DiscoverOhioToGo.com to find a full list of discounts and deals, as well as a list of nearly 400 participating McDonald's locations. To receive the discount, travelers should follow directions on the website for each offer and present the clean, empty cup upon arrival at participating attractions, including:Cedar Point
Cedar Point Resorts
Cincinnati Museum Center
Columbus Museum of Art
Great Wolf Lodge (Mason and Sandusky locations)
Greater Cleveland Aquarium
Hocking Hills Canopy Tours
Kalahari Resorts and Conventions
Kings Island
National Underground Railroad Freedom Center
Ohio State Parks
Wild Zipline Safari
Wildwater KingdomSpecially marked "Discover Ohio To Go" cups are available at participating McDonald's locations while supplies last in Greater Cincinnati, Central Ohio, Dayton/Miami Valley, Lima and Toledo/Northwest Ohio.
http://www.sportsmansoutdoorsuperstore.com/products2.cfm/ID/1035...Firearm Specifications
◦Caliber: 9mm
◦Operation: Trigger cocking DAO; lock breech; Browning - type recoil lug; passive striker block; no magazine disconnect
◦Barrel: 3.0, conventional rifling; 1 - 10 right-hand twist
◦Sights: Drift adjustable white bar-dot combat rear sight, pinned in polymer front sight
◦Finish: Black polymer frame, matte stainless steel slide
◦Capacity: 6+1
Thanks Mark
Pep Boys (PepBoys) $19.99 Oil Change / Tire Rotation Coupon (exp. 4/30/13)http://www.pepboys.com/sale_specials/coupons/1999_conventional_o...
Pep Boys (PepBoys) $19.95 Oil Change/Tire Rotation Coupon (exp. 4/30/13)http://www.pepboys.com/sale_specials/coupons/1999_conventional_o...
Pep Boys (PepBoys) $19.95 Oil Change/Tire Rotation Coupon (exp. 4/30/13)http://www.pepboys.com/sale_specials/coupons/1999_conventional_o...
Submitting two offers on same property? Cash AND Conventional?
Added on : Thursday April 18th 2013 10:01:12 AM
I've finally stocked away enough cash to potentially attempt a cash only purchase for my next investment property. I'm uncertain on what type of "buying power" a cash offer will bring compared to a conventional offer and was contemplating submitting two offers on the same property. I'm curious if anyone else has tried this, or if I'm opening up a major can of worms with this approach. Below is the thought process.Property Listed: 100KOffer 1: CASH - 95KOffer 2: Conventional - 105KWith rates being so low right now, I really don't want to tie up a large chunk of capital unless I'm realizing some kind of tangible upfront cash savings. Any insights from the Pro's?
Refinance from 30 year FHA to 15 year conventional
Added on : Tuesday April 16th 2013 09:01:15 AM
I originally took out a 30 year FHA mortgage in October 2011. Now we are going to refinance to a 15 year mortgage but it will be a conventional. I was trying to read the rules about MIP refunds, but all the things I was reading always talked about refinancing FHA to FHA and getting a MIP refund. Anyone refinanced from FHA to conventional and get a MIP refund?
Deal with Your Debt: Free Yourself from What You Owe, Updated and Revised [Kindle Edition] - was $24.99Liz Weston (Author) http://www.amazon.com/dp/B00BHVQV1SPublication Date: February 19, 20131 Review ★★★★★Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. Weston reveals why most "conventional wisdom" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. You might even wind up in bankruptcy -- just what you're trying to avoid! For most people, it's smarter to control and manage debt effectively. In this extensively updated guide, Weston shows how to do that. You'll learn which debts can actually help build wealth over time, and which are simply toxic. You'll find up-to-date, real-world strategies for assessing and paying off debt, money-saving insights on which debts to tackle first, and Crucial information about everything from debt consolidation loans to credit scores and credit counseling. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. If you've ever worried about debt, you'll find the new edition of Deal with Your Debt absolutely indispensable.About the AuthorLiz Weston, an award-winning personal finance columnist, is one of the Internets most-read money experts. The New York Times called her The 10 Commandments of Money a wonderful basic personal finance book...[with] enough counterintuitive ideas to keep even people who know a bit about personal finance reading further. Her best-seller Your Credit Score is now in its Fourth Edition. Her columns run twice weekly on MSN Money, and her Money Talk Q&A appears in print nationwide, from the LA Times to Stars and Stripes. She has appeared on Dr. Phil, NBC Nightly News, the Today Show and CNBC Power Lunch and is a regular contributor to Marketplace Money. Her books also include There Are No Dumb Questions About Money.
Amazon Coupons
$21.99 Conventional Oil Change (reg. $29.99) at sears
Added on : Friday April 12th 2013 09:00:04 PM
$21.99 Conventional Oil Change (reg. $29.99) at Sears
http://c.sears.com/ue/home/258402199oilchange.pdf
Sears Coupons
HomeStyle renovation loan lenders in Washington, DC
Added on : Thursday April 11th 2013 06:01:08 PM
I would appreciate recommendations for lenders that will do a HomeStyle conventional renovation loan in Washington, DC. I already know about Wells, I'm looking for other options. Thanks!
Kindle Books 4/5/13
Added on : Friday April 05th 2013 07:02:09 AM
As always, only guaranteed FREE at time of posting. All have 4-5 stars, Hope to have a variety of genres, and a mix of new and old for you to enjoy. Feel free to add any you find please!The Fallen Star (Fallen Star Series Book 1) [Kindle Edition] (YA)
http://www.amazon.com/Fallen-Star-Series-Book-ebook/dp/B004W0COE...
Pub. 9/11/12For eighteen year-old Gemma, life has never been normal. Up until recently, she has been incapable of feeling emotion. And when shes around Alex, the gorgeous new guy at school, she can feel electricity that makes her skin buzz. Not to mention the monsters that haunt her nightmares have crossed over into real-life. But with Alex seeming to hate her and secrets popping up everywhere, Gemmas life is turning into a chaotic mess. Things that shouldnt be real suddenly seem to exist. And as her world falls apart, figuring out the secrets of her past becomes a matter of life and death.
===========================================Alone: The Girl in the Box, Book 1 [Kindle Edition] (YA)
http://www.amazon.com/Alone-The-Girl-Book-ebook/dp/B007T9GY46/re...
Pub. 4/10/12Sienna Nealon was a 17 year-old girl who had been held prisoner in her own house by her mother for twelve years. Then one day her mother vanished, and Sienna woke up to find two strange men in her home. On the run, unsure of who to turn to and discovering she possesses mysterious powers, Sienna finds herself pursued by a shadowy agency known as the Directorate and hunted by a vicious, bloodthirsty psychopath named Wolfe, each of which is determined to capture her for their own purposes...
=================================================Where Are the Dinos? (children)
http://www.amazon.com/Where-Are-the-Dinos-ebook/dp/B00C3O6T2Y/re...
Pub. 3/28/13This picture ebook title features vivid, full-color layouts with Kindle Text Pop-Up★★★
A day at the zoo is not complete without visiting the dinosaurs, right?
But, hey.where are they?I wonder why, I wonder how
Where are all the dinos now?Boys and girls will delight in this fast-paced rhyming adventure chock-full of hilarious questions from a very persistent young visitor at the zoo.What do dinos find in shops?
Polka-dot tricera-tops?The laughs keep coming in this charming adventure full of dino-mite humor and fun. It's the perfect good time read that kids will enjoy reading over and over again.
-------------------------------------A to Z of Silly Animals - The Best Selling Illustrated Children's Book for All Ages by Sprogling (children)
http://www.amazon.com/Silly-Animals-Illustrated-Childrens-ebook/...
Pub. 3/6/13A wonderfully silly A to Z picture book of ridiculous mythical animals. The charming, original illustrations and witty captions are sure to delight children of all ages as well as parents.Enjoy the A to Z of Silly Animals with your child today!
===================================================Seven Days From Sunday (An MP-5 CIA Thriller, Book 1) [Kindle Edition]
http://www.amazon.com/Seven-Days-Sunday-Thriller-ebook/dp/B00359...
Pub. 1/19/10#1 Amazon KINDLE BESTSELLER IN "MYSTERIES & THRILLERS" #1 Amazon KINDLE BESTSELLER IN "SPY STORIES & TALES OF INTRIGUE" In this fast paced thriller, Iraq's top terrorist makes two promises - a kidnapped American contractor will be executed on a given date, his body dumped in Baghdad's Green Zone and a major attack will occur in seven days. Working desperately to find the American and thwart the impending attack is an elite 4-man CIA team which includes an attractive female doctor. But they can only watch helplessly as the terrorist and his masked henchmen behead the American during a live video feed carried on the Internet. What they don't know is that one of the masked men is not a terrorist, but completely innocent. He is an Iraqi pharmacist who has infiltrated the group. His only objective - to find his missing fiance, who the terrorist has also kidnapped. After the beheading, he is free to go. But little does he know that his fiance will bring the deceased American's head to the Green Zone, and inside the dead man's mouth is evidence linking him to the terrorist.This is the first novel in M.H. Sargent's popular MP-5 CIA series. The other novels include The Shot To Die For, Operation Spider Web, The Yemen Connection, Alliance of Evil and The Birdwatchers. Sargent has also written a murder mystery set during WWII, Toward Night's End.***Includes bonus excerpt from Sargent's next book, The Shot To Die For***
==================================================Night of the Assassin (Assassin series) [Kindle Edition]
http://www.amazon.com/Night-Assassin-ebook/dp/B006M5L5JC/ref=sr_...
Pub. 9/19/12Night of the Assassin is the second book in the Assassin series, and is the gritty, edge-of-your seat prequel to King of Swords. A no-holds-barred, breakneck-paced thriller, Night charts the early years of El Rey - known as the King of Swords - a super-assassin responsible for some of the world's most spectacular and daring executions.Framed against the backdrop of present-day Mexico's brutal narco-trafficking violence, Night of the Assassin chronicles the making of a monster - a cold-blooded, ruthless killing machine. Raw, disturbing, edgy and unflinching, this epic saga defies convention to create a roller-coaster of intrigue, suspense and thrills that will leave even the most jaded thriller aficionados gasping for breath.Best if read after King of Swords, Night was written to provide background on El Rey, with the assumption that the reader is already familiar with the events in King of Swords===========================================================
The Book of Sight [Kindle Edition]
http://www.amazon.com/The-Book-of-Sight-ebook/dp/B00BZWWJI8/ref=...
Pub. 3/22/13Book One in The Book of Sight SeriesA book can be a wonderful gift.When Alex received an unexpected package, she never dreamed the book it contained
would change her life forever. After all, the words inside were gibberish.She had no idea the places that book would take her, the friends that book would help her
make or the wonders that book would reveal.She had no clue the trouble that book would bring, either.A book can be a dangerous gift.
==================================================MAINTENANCE MAN II [Kindle Edition]
http://www.amazon.com/MAINTENANCE-MAN-II-ebook/dp/B008257Q4I/ref...
Pub. 5/10/12MAINTENANCE MAN II
MONEY, POLITICS AND SEX...EVERYONE HAS A PRICEIn Maintenance Man II: Money, Politics and SexEveryone Has A Price Baisden builds upon the saga of his former main character, Malcolm Tremell, a gigolo who first came to life in Baisdens 1999 release The Maintenance Man. The Maintenance Man saw the author gain notoriety for unapologetically disclosing the lifestyle of a man who rendezvoused for pay with married women. The original Maintenance Man followed a litany of releases, including Men Cry In The Dark, Gods Gift To Women, Do Men Know What They Want and solidified his stance as one of the most successful self-published male authors on the literary scene. With Maintenance Man II, Baisden broadens the storyline as Tremell comes out of retirement to not only rebuild his contact list of high-end female clientele, but also franchise a male escort service worldwide. Intrigue, drama and danger quickly come into play when Tremell liaisons with the wife of a powerful and corrupt Republican senator. When they unwittingly uncover the senators underhanded deal with the powerful Kross brothers for political control, Tremell will have to tap his military training and street smarts to not only save his life, but also those closest to him.Baisden, once again educates as he entertains, brilliantly engaging his readers. Utilizing Malcolm Tremell as the ultimate Renaissance man protagonist, he brazenly unveils several harsh and dark realities behind the current political process. He skillfully touches on some of the most critical political issues to date, including voter suppression as well as corporate greed, seamlessly interspersing them between a romantic and politically charged plot. The novels tone is captivating and inviting, whisking the reader into a non-stop escapade of sex, action and adventure.After years of being out of the gigolo lifestyle, Malcolm has to rebuild his list of contacts and high-end clientele. But he still has his good looks, his Rolodex, and his reputation. This time he vows that nothing will stand in his way of getting back on top and creating a franchise of escort services worldwide. He disguises his gigolo lifestyle as a nightclub owner in Miamithe perfect cover to mix business with pleasure.
=================================================What is Gluten Free Covering the A to Z of Gluten Free [Kindle Edition]
http://www.amazon.com/What-Gluten-Free-Covering-ebook/dp/B00A4FO...
Pub. 11/8/12What is Gluten Free is an easy to follow guide that will help you to understand the categories of gluten intolerance. The list of symptoms that are reported from people suffering from various forms of gluten intolerance is truly staggering. Another sad statistic is the amount of people that go undiagnosed from having one of the forms of the illness. What's more disheartening is that these people need only to go on a gluten free diet to virtually eliminate these nasty symptoms that are reeking havoc on their body systems.After covering the basics of what it means to be gluten free, you'll learn what it really takes to live day to day with gluten sensitivity or with Celiac disease. We'll cover the many foods and products that contain gluten and of course what foods are gluten free. You may be surprised to find out about some of the options that are now available for gluten free cooking in the home, as well as when we're on the go. With today's fast paced and often hectic schedule, many people simply don't have time to plan and cook gluten free meals everyday of the week. So when your on the go, you will learn how to find gluten free restaurants and when that isn't an option, you'll learn what to do when you don't have a gluten free menu. Traveling on vacation, or on holiday are covered too.Many people think that living a gluten free lifestyle is a huge expense that will severely impact your budget. We've got two chapters devoted to this topic alone. Learn the tips and tricks to saving money when you go out to buy gluten free products. We'll also share a very unique way to save real dollars that will add up quickly, thus making living gluten free easier than you ever thought possible.Other questions answered in 'What is Gluten Free' eBook...Are there health benefits to living gluten free?
If I'm not gluten intolerant, is a gluten free diet bad for me?
What are the triggers that might cause a person to have Celiac disease or gluten sensitivity?
Why is Celiac disease or gluten intolerance often misdiagnosed?This publication is a must read for anyone who is interested in maintaining good overall health and well being.
--------------------------------------------The Diet Dropout's Guide to Natural Weight Loss: Find Your Easiest Path to Naturally Thin
http://www.amazon.com/Dropouts-Guide-Natural-Weight-ebook/dp/B00...
Pub. 1/1/13This book isn't about the latest celebrity diet, wonder food, or miracle supplement. It's about creating a personalized weight loss planyour own easiest path to naturally thin. While you can lose weight with almost any diet, keeping the weight off is much more difficult, requiring permanent changes in eating and exercise habits. This book provides a science-based approach for making those changes in a way that works best for you, without wasting time, money, or effort.Dr. Spencer explains why we gain weight and why the fat lost by dieting almost always comes back. He then presents an array of practical weight loss tools for controlling emotional eating, calming cravings, boosting metabolism, and improving nutrition and exercise. In the final chapter he has you create a natural weight loss plan based on your unique set of needs, abilities, and preferences. Simple recipes are provided for weight loss foods that reduce cravings and prolong satisfaction. What this book offers is a solid approach to weight lossself-directed, gradual, and lastingin contrast to the quick but fleeting weight loss offered by most one-size-fits-all diet plans.
========================================================5-Minute Miracle Exercises: Lose 5 Pounds in 2 Weeks - Only 5 Minutes a Day! (w/extras if you have a Kindle fire
http://www.amazon.com/5-Minute-Miracle-Exercises-Minutes-ebook/d...
Pub. 6/21/11Newly Updated & Expanded for 2013 - 12 FREE Bonus Reports Included! If you would like to lose a solid 5 pounds in the next two weeks while exercising just 5 minutes per day (and without changing your diet), then this book by Jennifer Jolan will show you how.The book is here and entitled: "5-Minute Miracle Exercises"And it contains two secret exercises (you will probably never see any of today's "fitness gurus" talk about) that promote quick fat loss even if you don't change a thing about your current diet.
--------------------------------------------------The Truth About Butterflies: A Memoir [Kindle Edition]
http://www.amazon.com/The-Truth-About-Butterflies-ebook/dp/B005F...
Pub. 8/2/11They belong to each other, Nancy and Nicole--mother and daughter. They're two halves of a whole, two facets of the same breath--until the day Nicole exhales. . . and never inhales again. After the death of her daughter, and quickly losing her own battle with grief, Nancy decides to move from the house she can no longer bear to live in. While packing, she comes across a box in the attic. Inside this box, Nancy uncovers treasures she didn't know existed and evidence that her and her daughter's lives had been more divinely entwined than she could've imagined.The Truth About Butterflies is a true story of grief, hope, and transformation, and a single enduring truth: Life cannot be restrained by death.
==================================================Harriet Tubman - The Moses of Her People [Illustrated]
http://www.amazon.com/Harriet-Tubman-People-Illustrated-ebook/dp...
Pub. 10/25/08Harriet Tubman was an African-American abolitionist, humanitarian, and Union spy during the U.S. Civil War. After escaping from captivity, she made thirteen missions to rescue over seventy slaves using the network of antislavery activists and safe houses known as the Underground Railroad. She later helped John Brown recruit men for his raid on Harpers Ferry, and in the post-war era struggled for women's suffrage.Born into slavery in Dorchester County, Maryland, Tubman was beaten and whipped by her various owners as a child. Early in her life, she suffered a traumatic head wound when an irate slave owner threw a heavy metal weight at her, intending to hit another slave. The injury caused disabling seizures, headaches, and powerful visionary and dream activity, and spells of hypersomnia which occurred throughout her entire life. A devout Christian, she ascribed her visions and vivid dreams to premonitions from God.In 1849, Tubman escaped to Philadelphia, then immediately returned to Maryland to rescue her family. Slowly, one group at a time, she brought relatives with her out of the state, and eventually guided dozens of other slaves to freedom. Traveling by night and in extreme secrecy, Tubman (or "Moses", as she was called) "never lost a passenger". Heavy rewards were offered for many of the people she helped bring away, but no one ever knew it was Harriet Tubman who was helping them. When a far-reaching United States Fugitive Slave Law was passed in 1850, she helped guide fugitives further north into Canada, and helped newly-freed slaves find work.
======================================================Hugh Young's Ten Golden Rules of Equity Investing [Kindle Edition]
http://www.amazon.com/Youngs-Golden-Equity-Investing-ebook/dp/B0...
Pub. 12/14/12Hugh Young is a star fund manager at Aberdeen Asset Management, with over 25 years' experience and a dazzling record of returns. He has marshalled Aberdeen portfolios through numerous market cycles, and in this eBook reveals the secrets of his success, accompanied by the witty illustrations of cartoonist Fran Orford.--------------------------------------------------------------------------------Tales of the Revolution: True Stories of People who are Poking the Box and Making a Difference [Kindle Edition]
http://www.amazon.com/Tales-Revolution-Stories-Difference-ebook/...
Pub. 4/19/11Early in March, The Domino Project published Seth Godins Poke the Box. We Immediately received stories about people taking initiative in their own lives - doing things differently at work or with their families, taking initiative in places they were scared to. Prompted by the number of inspiring stories we received, we launched Tales of the Revolution, profiling examples of passionate self-starters who regularly went above and beyond to make a difference by doing. This free Kindle edition is a sampling of the hundreds of stories we received. Each one could be just the right inspiration for you to keep poking.
=======================================================Blogging Made Simple: Powerful Strategies For Blogging Success! [Kindle Edition]
http://www.amazon.com/Blogging-Made-Simple-Strategies-ebook/dp/B...
Pib/ 4/12/12Blogging Made Simple is a powerful blogging guide. Learn from two of today's best known bloggers who have built high-traffic blogs that support multiple streams of income and a growing list of avid followers. In Blogging Made Simple: Powerful Strategies For Blogging Success, you'll learn the fundamentals of starting your own blog as well as step-by-step instructions on how to develop engaging content, build a growing list of blog followers, effective strategies for monetizing your blog, and little-known strategies for getting your blog ranked #1 on leading search engines. Co-authors Michael H. Fleischner and Justin Fried have been blogging for well over a decade and launched many successful blogs (ex: The Marketing Blog) that reach more than 10,000 followers. If you want to achieve blogging success - creating a popular blog that allows you to position yourself as a leading authority in your niche and drives residual income while you sleep, then don't miss out on this one-of-a-kind blogging resource! In this guide you'll learn powerful blogging secrets including:
--How to start your very own personal or professional blog for FREE
--Strategies for taking a casual blog and turning it into a money-making machine
--How to select a blogging platform that meets your blogging goals: WordPress, Blogger, Tumblr
--Powerful techniques for developing engaging content for your blog on a daily, weekly, and monthly basis
--Outsourcing strategies that allow your blog to run on autopilot even while you sleep
--Optimization secrets that propel your blog to the top of Google, Yahoo!, and Bing
--Proven monetization strategies that provide multiple streams of income
--Promotional techniques that send tons of hungry visitors to your blog again and again
--And much, much more
========================================================WordPress Websites Step-by-Step - The Complete Beginner's Guide to Creating a Website or Blog With WordPress [Kindle Edition]
http://www.amazon.com/WordPress-Websites-Step---Step-ebook/dp/B0...
Pub. 1/4/13Have you ever wanted to create a website but found it too complicated or confusing?
WordPress is the single most popular way to create a website or blog. It's used by Fortune 500 companies, small businesses, authors, photographers, bloggers and non-profits to build a professional websites easily.You can do the same - and you don't need to be a computer expert or web geek.What you'll learn in WordPress Step-by-Step:
How to choose a great domain name and get good value, reliable web hosting
How to install WordPress in a few mouse clicks
How to publish posts and pages with correctly formatted text
How to give your website a professional touch by using images and videos
How to customize your web design without needing to be a programmer
How to extend your site even further with "plugins"
How to use Search Engine Optimization to get found by Google
How to keep your website secure
How to solve the most common WordPress problems
...and lots more.There's also a bonus chapter on getting the first visitors to your site, along with additional video tutorials by the author. Plus, the book is packed with links to additional resources and free design themes and plugins to help you build a website on a budget.Clear explanations and over 55 images of the admin screens and tools mean you can see exactly how to do everything. No more head-scratching or frustration!After reading this book you'll have a unique, professional and easy-to-use website to be proud of - and you'll have created it yourself! Whether you want to build a simple website for your company or organization, make money with a blog or a full online store, this non-geek guide will get you online quickly - saving you time and frustration.
========================================================Asian Recipes - 50 Tasty & Easy Made Unique Exotic Recipes (With Images Of Each Dish And Chef's Note) [Kindle Edition]
http://www.amazon.com/Asian-Recipes-Unique-Exotic-ebook/dp/B0087...
Pub. 5/28/12Asian food is a multi-faceted and diverse as European food. While neighboring countries share some common ingredients and cooking styles, Asian countries have developed cuisines that are uniquely their own. Sampling the food of each is truly an adventure.Each country has its own food history much influenced by its culture, religion and past. Vietnamese food for example, retains the flavors of centuries of French occupation. The food in Philippines has the taste of Spanish and American accents while in Malaysia and Indonesia which are Muslim countries, pork meals are almost completely eliminated off the menu.Many of these recipes were guarded as important family secrets and carefully passed down from one generation to another. Asian cooking has enormous potential in modern times, as Asian food chains are springing up all over the world very rapidly, whilst enjoying immense popularity.In this appetizing book, you will find an inspiration not only for your daily dishes, but for almost every occasion which calls for something savory - Asian style/dish/cuisine. All the recipes included in this book are considered classics, and have proven so popular over the past years. Every single recipe has been tested time and again, both by me and by hundreds of my cooking students.The recipes have been divided by Asian regions. Each chapter contains top recipes which will help you find exactly what you are looking for.They are all authentic and thoroughly tried and tested. By following simple, clear and straightforward instructions, you will find a recipe that will suit your needs and wants to the littlest details. Most of the recipes use basic cooking techniques which can be prepared with only a few pots and utensils.This recipe book will help you cook Asian food with confidence and pleasure that you thought you could not make in your own kitchen. More importantly, it will provide you with all the answers to the problem of ''What shall we have for breakfast, lunch or dinner?'' and you will discover that Asian cooking is so rewarding and fun. So, this book contains The Best Traditional Asian Recipes for you to make and enjoy at home. You will discover that Asian cooking is so rewarding and fun and also there are 50 mouth-watering recipes accompanied with dish images for you to savor from 10 different countries.
========================================================Homemade Ice Cream Recipes - 35 Easy Recipe for Ice Cream [Kindle Edition]
http://www.amazon.com/Homemade-Ice-Cream-Recipes-ebook/dp/B008M9...
Pub. 7/16/12The 35 Easy Ice Cream Recipes contains ice cream recipes to fill your summer days and are the perfect accompaniment to a hot day. Ice cream is always a popular dessert at any time; birthdays, holidays and any special celebration days. Making homemade ice cream is very fun and don't worry if you are new to making ice cream, I have included information needed in order to get you started.
================================================Ultimate Vegetarian Recipes From BeWellBuzz: Delicious And Nutritious Meals That Buzz With Taste And Vitality
http://www.amazon.com/Ultimate-Vegetarian-Recipes-BeWellBuzz-ebo...
Pub. 3/25/13Whats With All Of The Buzz About This New Vegetarian Recipe Collection?If youre a fan of "Forks Over Knives," have devoured The "China Study" or consider yourself a "Happy Herbivore," then you are going to love this new collection of vegetarian recipes from renown health experts Larry and Oksana Oz from the popular "Be Well Buzz" natural health website and community.
Unfortunately, many other vegetarian recipe books are packed with unhealthy foodstuffs that fall short of optimum nutrition says co-author Larry Oz (pictured on the left)...So weve compiled some of our favorite vegetarian dishes and used only whole foods and ingredients proven to promote health heal the body.Whether youre vegetarian, vegan, or lacto-ovo, youll find sensational recipes that youll enjoy alone or with friends, who will wonder how you made such an amazing meal!In addition to a handy ingredient-substitution guide to make any vegetarian recipe healthy, Larry and Oksana show you what foods to avoid at all costs, even if you thought you were eating healthy before.Then youll discover over 40 amazing and delicious vegetarian recipes:
*Appetizers
*Side Dishes
*Stews
*Soups
*Stir Fry
*Veggie Fajitas
*Casseroles
*And Tasty Toppings*EXCLUSIVE KINDLE BONUS INSIDE = Readers will also get a free video training revealing the 6 Blood Tests Your Doctor May Refuse To Give You (And Why) Which May Save Your Life Or Restore Your Health included exclusively inside your Kindle purchase.
=======================================Starcraft: Kerrigan - Hope and Vengeance #0 [Kindle Edition] (dc comics Graphic novel)
http://www.amazon.com/Starcraft-Kerrigan-Hope-Vengeance-ebook/dp...
Pub. 3/6/13No single human being has been more inseparably tied to the twisted destinies of the terran, protoss, and zerg races than Sarah Kerrigan. She has risen from the ranks of soldier and rebel to become the unstoppable Queen of Blades, supreme ruler over a race of bloodthirsty aliens. But now she has fallen from her seat of power and been taken in by those who wish to separate the woman from the monster--a task which may be more difficult than it was to dethrone her.Take a look inside the mind of one of the greatest villains in gaming history and prepare yourself for StarCraft 2: Heart of the Swarm with this explosive new comic from Blizzard Entertainment, Kerrigan: Hope and Vengeance.
=====================================================Bonded (Prequel to The Mating) [Kindle Edition]
http://www.amazon.com/Bonded-Prequel-The-Mating-ebook/dp/B00BT0J...
Pub.
Renos a tough Enforcer for Lycan Link who finds himself drawn to Brandi but duty rules his life. Brandi, just on the edge of starting her career as a Disaster Control officer, falls for Reno at first sight, but are they really meant to be? Is it love or lust and does it really even matter? Enforcers and DCs don't get along...unless fate forces them to. Bonded precedes The Mating.========================================================
The Keeping (Sequel to The Mating) [Kindle Edition]
http://www.amazon.com/The-Keeping-Sequel-Mating-ebook/dp/B00BTID...
Pub. 3/12/13// Ryne Taylor was a sexy bad-ass Alpha set on establishing a new pack. Melody Greene was a journalism student researching his work as a photographeror so she said. But could Mel really be trusted or had she stumbled upon his secret? And if she knew, could Ryne save himself and the pack hed left behind without enacting a deadly ancient law known as The Keeping? Sequel to The Mating.
=========================================================A Cold Day for Murder (Kate Shugak #1 by dana Stabenow)
http://www.amazon.com/Cold-Murder-Kate-Shugak-ebook/dp/B004S87M9...
Pub. 3/15/11Somewhere in the hinterlands of Alaska, among the millions of sprawling acres that comprise The Park, a young National Park Ranger has gone missing. When the detective sent after him also vanishes, the Anchorage DAs department must turn to their reluctant former investigator, Kate Shugak. Shugak knows The Park because shes of The Park, an Aleut who left her home village of Niniltna to pursue education, a career, and the righting of wrongs. Kates search for the missing men will take her from self-imposed exile back to a life shed left behind, and face-to-face with people and problems she'd hoped never to confront again. The first novel in the popular Kate Shugak Series, A Cold Day for Murder established Dana Stabenow as a new voice in Alaskan mystery writing, and earned her an Edgar Award.
=============================================================ARG...I'm having problems formatting this a.m., and the info on this one disappeared - I'll try to hunt it down again, but if you do, that's great too -  You'll see the difference in the mirror by the 2nd week (losing AT LEAST 5 pounds -- if not more -- of fat).All with two (really simple) exercises and without leaving your home (you can even do these exercises during TV commercials, if you choose).

Here are some of the benefits of this "miracle" exercise program:No equipment necessary (they're free!)No long, grueling workouts to fit into your day (again, you can do them during TV commercials if you want)
No tedious jogging, "power walking" or treadmills needed. Can be done at any time you want (whenever is convenient for you!)
Works fast -- see results in the mirror in as little as 2 weeks or less
Burns fat instead of muscle (most "cardio" burns muscle -- which is why long distance runners have a sickly, "stringy" look to them)Scientifically proven to work for all kinds of women, with all kinds of body types and metabolisms
Gives you a flat tummy and a tight, sexy "J-Lo" butt
Go at your own pace (100% safe!)
The benefits of these two exercises are incredible -- they're fast, they're simple and they sculpt your body like no other exercises can, and in a fraction of the time. The exercises are simple, but not necessarily "easy." They only take 5 minutes per day and you don't have to change your diet at all.2 FREE BONUS REPORTS INCLUDED IN THE KINDLE FILE:Natural Detox - 8 Cheap Ways to Detox and Cleanse Your Body
15 Healthy Snacks for Weight Loss
10 Additional FREE Bonus Reports at a Special Link on the Last Page of the
Kindle File:
1.How to Lose Weight Spinning in a Circle like Kids
2.The 20-Second Bathroom Trick for a Super-Charged Metabolism and a Flood of Energy
3.One Tablespoon of this $6 Supplement Detoxes 900 Yards of Toxins from Your Body
4.Do-It-Yourself Face-Lift: How to Look 5 Years Younger in 2 Weeks - Got 5 Minutes a Day?
5.The 50-Cent Miracle Weight Loss Food You're Not Eating
6.#1 Cheap Supplement that Reverses Gray Hair & Infuses Health into Your Body
7.How to Get Rid of Allergies in 90 Seconds with Water
8.The Ultimate 3-Second Fountain of Youth "Neural" Fat Loss Exercise
9.The 15-Second "T-Tap" for Overcoming Hypothyroidism & Sluggish Energy
10. How to Make Healthy Ice Cream in 2 Minutes and Other Sweet Surprises!=======================================================Invisible [Kindle Edition] (YA)
http://www.amazon.com/Invisible-ebook/dp/B00BEQZBYE/ref=sr_1_13?...
Pub. 2/11/13Jazmine Crawford doesnt make decisions. She doesnt make choices. She doesnt make friends. Jazmine Crawford only wants one thing: to be invisible. For Jazmine, its a lot easier to take out her hearing aid and drift along pretending that nothings wrong than it is to admit that shes heartbroken about her dad dying. Shes been drifting and ignoring her over-worried mum for four years now.
When bad girl Shalini and her mates adopt Jazmine, she quickly finds herself involved in more than she can handle. Sitting in disgrace in the principals office, Jazmine is offered a choice: help drama teacher Miss Fraser in the upcoming production of The Secret Garden or face a four week suspension.
Its Miss Fraser who clinches the decision. I believe in you Jazmine, she says. I know you can do this. And Jazmine, terrified, disbelieving and elated all at the same time, joins the play.
For a while its all good. Drama star and chocolate lover Liam is friendly and Jazmine realises that making friends, talking to her mother and feeling her emotions isnt as scary as she thought. In a final happy twist of fate, acting diva Angela quits the play and with only a week to go, Miss Fraser asks Jazmine to take on the main role of Mary.
But then Shalini returns from her suspension. Shes out for payback, and she has just the ammunition she needs to force Jazmine to quit the play and go back to her old ways.
Will Jazmine be confident enough to stand up for herself against Shalini? Will Liam still like her if he finds out who she really is? And does she have the strength to face the truth about her fathers suicide?
===========================================Betrayed: Days of the Rogue [Kindle Edition]
http://www.amazon.com/Betrayed-Days-Rogue-ebook/dp/B00BSX4U04/re...
Pub. 3.11.13His mate killed in a horrific explosion, ex-Enforcer Damien Masterson now lives as a rogue werewolf. Grief stricken and filled with rage, what depths will he sink to in his search for revenge? And who will be caught in the crossfire? Will it be Eve, a Fae just entering the Awakening stage? Or Rafe McRae, part empath and part wolf? Its been said that a rogue Enforcer is too dangerous to be allowed to roam. A suspense driven story of love, betrayal and revenge, this latest addition to the Law of the Lycans series is the sequel to Bonded.
===========================================================
Priority Club PointBreaks listing for April 1st to June 30th 2013
Added on : Tuesday April 02nd 2013 08:00:07 PM
Just released, Priority Club PointBreaks listing for April 1st to June 30th 2013LinkyPriority Club PointBreaks for only 5,000 points per night!Here's your chance to catch a break. With Priority Club PointBreaks, Reward Nights are yours for only 5,000 points per night.
Offer and participating hotels are subject to change at any time, valid for booking through June 30, 2013. Reward night terms and conditions apply.
To view participating properties, simply click one of the regions below.

United StatesALASKA
Holiday Inn EXPRESS AND SUITES FAIRBANKS

ALABAMA
Holiday Inn MOBILE-DWTN/HIST. DISTRICT
Holiday Inn EXPRESS AND SUITES TALLADEGA
Holiday Inn EXPRESS CLANTON
Holiday Inn EXPRESS AND SUITES ANNISTON/OXFORD

ARKANSAS
Staybridge Suites ROGERS - BENTONVILLE
Crowne Plaza HOTEL LITTLE ROCK

ARIZONA
Holiday Inn HOTEL AND SUITES FOUNTAIN HILLS - N. SCOTTSDALE
Staybridge Suites TUCSON AIRPORT

CALIFORNIA
Holiday Inn EXPRESS CALEXICO
Candlewood Suites TURLOCK
Crowne Plaza HOTEL SACRAMENTO NORTHEAST
Holiday Inn EXPRESS AND SUITES FRAZIER PARK
Staybridge Suites PALMDALE
Holiday Inn AUBURN

COLORADO
Holiday Inn EXPRESS AMD SUITES CO SPRINGS-AIR FORCE ACADEMY
Holiday Inn HOTEL AND SUITES CRAIG

CONNECTICUT
Crowne Plaza HOTEL DANBURY
Holiday Inn EXPRESS NEWINGTON

DELAWARE
Staybridge Suites WILMINGTON-NEWARK

FLORIDA
Candlewood Suites FT MYERS I-75
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GEORGIA
Staybridge Suites SAVANNAH AIRPORT
Holiday Inn EXPRESS ATLANTA WEST - THEME PARK AREA
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IOWA
Candlewood Suites WATERLOO- CEDAR FALLS
Holiday Inn EXPRESS AND SUITES MASON CITY

IDAHO
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Holiday Inn BOISE AIRPORTILLINOIS
Staybridge Suites LINCOLNSHIRE
Hotel Indigo CHICAGO-VERNON HILLS
Holiday Inn MOUNT PROSPECT - CHICAGO

INDIANA
Holiday Inn EXPRESS EVANSVILLE-NORTH(I-64 & US 41)

KANSAS
Candlewood Suites JUNCTION CITY/FT. RILEY
Holiday Inn EXPRESS AND SUITES TOPEKA WEST I-70 WANAMAKER

KENTUCKY
Holiday Inn EXPRESS BOWLING GREEN

LOUISIANA
Candlewood Suites SLIDELL NORTHSHOREMASSACHUSETTS
Holiday Inn EXPRESS -MILFORD

MARYLAND
Candlewood Suites BALTIMORE-BWI AIRPORT

MAINE
Holiday Inn EXPRESS AND SUITES FREEPORT

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28 yrs old, Financial Picture, Help me achieve my goal :)
Added on : Sunday March 31st 2013 03:01:03 AM
Welcome Fellow Fatwalleters,I'm 28, I had a very questionable early 20's where I ran up around ~50k in credit card debt & got a car repo'd due to really bad financial decisions and a girl that broke my heart. I am within 1 year of all of those date of last activity dates to roll around and those bad items to fall off my credit report. Placing me in a better financial situation to purchase my own home for myself & my new family (24 yr old GF & her young girl). We've been in a relationship for 3 years now and she's also relocated to northern CA to be with me (ie: it's serious). My goal is to limit my debt & build enough capital to purchase a home worth 250-300k (ie: something I could see myself in long term with enough space to accommodate a couple children & a guest) while also having enough space in my income to regularly deposit some of my money into some sort of investment (lendingclub, brokerage account, etc.)My current credit (~690-700) is good enough to acquire a FHA Loan but I would rather do it the conventional way to acquire a better interest rate & get rid of those pesky fees involved with putting less than 20% down on a home. Below is my current financial picture.Income: (base salary of $110,000)
2012 ~175k
2013 44,000, so far. I'm a desk jockey in the electric industry that works regular overtime, I averaged about 52 hrs/week last year.
My monthly take home is variable, anywhere from $4600 after my maxed 401k contributions, to $12,000 in very rare circumstances.ACCTs:BoA Savings: ~$27,000
SJPECU: ~$10,000
401k: ~$66,000
Lending Club: $250 (it was easily funded via paypal, seemed like fun.. so I took a teeny tiny bite, what little research I did do seems to lead me to believe that it's worth tossing some extra funds into if only to diversify that much more)Debt:Credit Card Debt: ~$2,000, I normally keep my credit card balances at zero, not sure how this crept up this high, must have a talk with the GF!
Car Loan: ~16,500 %4.00 interest rate, originally 32,500 but paid it down 16,000 in the last year. Next payment due date is April 2014. I shouldn't have bought used by I really love my GF and she came from a poor upbringing and has never had anything really nice that she could call her own. I splurged and I shouldn't have necessarily.Monthly Payments:
Rent: $900 (I currently live with my parents as I'd rather pay rent to someone I know will benefit from it as opposed to a stranger, also the price is pretty good for this area considering it's 2 bedrooms in a 5,000 sq. ft. household, another year here is going to be achy since my GF would like to jump ship and jump right into a house this instant regardless of our financial situation. I'd very much like to wait the extra year for the huge bump in my credit score and be able to put 20% down on a house as mentioned above.)
Cell Phones: $140/month, grandfathered in unlimited data plan w/ AT&T. I know I'm going to get crap for this but I don't want to lose that unlimited data, and we both have AT&T Iphones, and I'm locked into their 2 yr. contract.
Car & Truck Insurance: $240/month I have a lousy driving record, that's why this is so high.
I Own:
A truck I'd like to sell this if possible 19.6k trade in, 23.7k private party (good category via kbb.com) as I only use to to commute to and from work. It's had around 4k in engine repairs done to it recently and runs like a charm now but I'd like to sell it with a clear conscience and I'm unaware of the best way to do this as I've never sold a vehicle before.Feel free to leave your generic comments (ie: trolling etc.) but what I'd really like is just some recommendations as to... *Whether or not to pay off that car loan now or to take a large chunk of my savings and place it into something that would garner me some interest (above 4% to counteract the interest incurred from my car loan) if so how much & where?
*Whether or not keeping that 10k in SJPECU is a good idea or whether it should be moved as well. If so how much and where?
http://sjpecu.org/wp-uploads/2013/03/dividend-rates.pdf <---SJPECU Dividend Rates can be shown here. A detail that should be mentioned is that they cap their deposits per customer to $500/monthly. So if I take this out and put it somewhere else and their dividend rates go higher back to 1983 rates perhaps?.. I would not be able to place the 10k back.
*Where I can sell my truck easily.
*What type of service I can use to get all those negatives off my credit report once my date of last activity has reached 7 years, possibly talk to someone that has gone through a situation like mine to find out if they have had to continually go back and clean it up every once in awhile to keep the negatives off?I know I'm asking a lot of from this community and I appreciate every comment I garner negative or positive!Thanks!
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Free Kindle Books 3/22/13 - Archena please add more :-)
Added on : Friday March 22nd 2013 07:01:10 AM
It's early but I'm hoping Archena will be along later to add a myriad more...All of these have 4-5 stars, and are only guaranteed free at time of posting.The Parthenon Cookbook Great Mediterranean Recipes from the Heart of Chicago's Greektown ;
[[24.95Pub. 3/4/09This collection of terrific Greek recipes, from old favorites to unique house specialties, is also a tribute to the oldest restaurant in Chicago's fabled Greektown, a landmark innovator of legendary dishes like saganaki and the first gyros in Chicago. Filled with colorful history and lush photographs, the book features 40 of the restaurants most popular recipes from all courses, appetizers to desserts. They include Feta a la Soto, Marathon Salad with Shrimp, Moussaka, Sokolatina, and more. In addition, Greek wine pairings are included as well as full Greek dinner menus with tips for entertaining.JET by Russell Blake (mystery)Pub. 9/9/12Code name: Jet Twenty-eight-year-old Jet was once the Mossad's most lethal operative before faking her own death and burying that identity forever. But the past doesn't give up on its secrets easily.When her new life on a tranquil island is shattered by a brutal attack, Jet must return to a clandestine existence of savagery and deception to save herself and those she loves. A gritty, unflinching roller-coaster of high-stakes twists and shocking turns, JET features a new breed of protagonist that breaks the mold.Fans of Lisbeth Salander, SALT, and the Bourne trilogy will find themselves carried along at Lamborghini speed to a conclusion as surprising as the story's heroine is unconventional.What is Gluten Free? Covering the A-Z of Gluten FreePub 11/08/12What is Gluten Free is an easy to follow guide that will help you to understand the categories of gluten intolerance. The list of symptoms that are reported from people suffering from various forms of gluten intolerance is truly staggering. Another sad statistic is the amount of people that go undiagnosed from having one of the forms of the illness. What's more disheartening is that these people need only to go on a gluten free diet to virtually eliminate these nasty symptoms that are reeking havoc on their body systems.After covering the basics of what it means to be gluten free, you'll learn what it really takes to live day to day with gluten sensitivity or with Celiac disease. We'll cover the many foods and products that contain gluten and of course what foods are gluten free. You may be surprised to find out about some of the options that are now available for gluten free cooking in the home, as well as when we're on the go. With today's fast paced and often hectic schedule, many people simply don't have time to plan and cook gluten free meals everyday of the week. So when your on the go, you will learn how to find gluten free restaurants and when that isn't an option, you'll learn what to do when you don't have a gluten free menu. Traveling on vacation, or on holiday are covered too.Many people think that living a gluten free lifestyle is a huge expense that will severely impact your budget. We've got two chapters devoted to this topic alone. Learn the tips and tricks to saving money when you go out to buy gluten free products. We'll also share a very unique way to save real dollars that will add up quickly, thus making living gluten free easier than you ever thought possible.Other questions answered in 'What is Gluten Free' eBook...Are there health benefits to living gluten free?
If I'm not gluten intolerant, is a gluten free diet bad for me?
What are the triggers that might cause a person to have Celiac disease or gluten sensitivity?
Why is Celiac disease or gluten intolerance often misdiagnosed?This publication is a must read for anyone who is interested in maintaining good overall health and well being.1,001 Low-Fat Vegetarian Recipes: Delicious, Easy-to-Make, Healthy Meals for EveryonePub. 3/1/09This new edition of 1,001 Low-Fat Vegetarian Recipes is completely revised to reflect current food trends and cooking preferences.The introduction will adhere to American Heart Association guidelines and will include the new FDA nutritional guidelines, with comments on the importance of exercise as part of a total healthy lifestyle.In general, recipes will be easier and faster to prepare with fewer ingredients and more concise cooking methods. Recipes that can be prepared in 30 minutes or less will be identified throughout the book with an express veg icon. The super foods that boast high nutritional, antioxidant, and phytochemical qualities will be emphasized in recipesblueberries, kiwi, pomegranate juice, melons, citrus fruit, edamame, leafy dark greens, broccoli, butternut squash, carrots, beets, tomatoes, bell peppers, beans and legumes, nuts, flax and hemp seeds, whole grains, and soy and dairy products.As in the previous edition, recipes will include every recipe category from appetizers through desserts, with more than 500 entrees, offering a rich choice of satisfying vegetarian meals. Each recipe will be labeled with an identifying icon for vegan, lacto-vegetarian, ovo-vegetarian, and lacto-ovo-vegetarian. Nutritional data and diabetic exchanges are included for each recipe.25 Recioes for Slow Cooker ChickenPub 2/11/13Not everyone has time to spend an hour or two of their day preparing a meal for their family. If you still want to share a meal with your family but dont want to worry about getting home early enough from work or adding to your already-long day, try out a few of these slow cooker chicken recipes. These recipes can be assembled in the slow cooker in the morning, or even the night before, and then left to cook while you are away. When you come home you will find a hot, nutritious meal waiting for you and your family to enjoy. From traditional favorites like chicken noodle soup and herbed chicken to unique recipes like chicken curry and cranberry chicken, this recipe book has something for everyone!Deadly Stillwater (A McRyan Mystery)Pub 3/4/12Award winning author, Roger Stelljes, delivers a mystery that is the second book in the McRyan Mystery Series (FIRST CASE - prequel novella, THE ST. PAUL CONSPIRACY - #1 McRyan Series). Stelljes' vivid characters, his gift for GRITTY and REAL DIALOGUE (slang/jargon/behind the scenes dialog), as well as his uncanny sense of place and time, will put you in the middle of the action allowing you to feel the desperation of Mac McRyan and his fellow detectives. Vince Flynn has described Roger Stelljes as "A powerful new thriller voice."
Fans of John Sandford, David Baldacci and James Patterson will enjoy this fast-moving story of murder, greed, and treason, the cast of colorful characters, and its setting in and around historic St. Paul, Minnesota.AWARDS, PRAISE AND REVIEWS:"Deadly Stillwater" was named the Midwest Book Awards Winner - Genre Fiction for the Midwest Independent Publishers (MIPA) Book Awards.
"On the edge of your seat reading... holds you captive until till you reach the very end." NYBrat on Amazon - FIVE STARS
"Chock full of suspense, a great quick read! Don't start if you cannot finish it!" KDP on Amazon - FIVE STARS
"Well conceived thriller... I enjoyed the book enough to read it twice." Cutfade on Amazon - FIVE STARS
"Pleasantly surprised! The characters were interesting and the suspense kept increasing as I progressed into the book. I look forward to more books by this author... well done!" Rebap on Amazon - FIVE STARSBOOK DESCRIPTION:Deadly Stillwater delivers...
GRITTY and REAL DIALOGUE... behind the scenes banter & slang of the detectives.
VIVID YET QUIRKY CHARACTERS... likeable characters faults and all.
A STORY THAT BUILDS...with clues that puts you in the middle of the action. An abduction is just the beginning in a case of betrayal and revenge that will ultimately strike at the soul of the St. Paul Police Department.The ruggedly handsome Mac McRyan, a fourth-generation cop, is faced with a complicated brazen daytime kidnapping, a media storm surrounding the case, and political scrutiny. It is a case of betrayal and revenge that will ultimately strike at the soul of the St. Paul Police Department. From the searing streets of St. Paul to the murky waters of the St. Croix River, DEADLY STILLWATER is a book you won't be able to put down until its last gripping minute.Top 50 Desserts from all over the WorldPub. 1/2/12This book will be your guide through some of the most popular desserts in the world. Here you can find instructions and tips on how to make Italian Zabaglione, German Black Forest Cake, Hungarian Dobos Torte, French Chocolate Truffles, Russian Tea Cake and many more. People think that making a good dessert is a difficult task. This book will show you that it is easy and fun.
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Debunking Crugman, Bernanke and Co - deficits do matter
Added on : Tuesday March 12th 2013 08:02:19 PM
Sorry, I know it's a blog-like post, but I enjoyed the article By Laurence Kotlikoff and just must share:
Krugmans Four Dangerous Fiscal FablesThere are four dangerous fiscal fables afloat. The first is that taxes can be cut to raise revenues and lower the deficit. The second is that spending can be raised to raise revenues and lower the deficit. The third is that the deficit can be financed by printing money with no real consequences. And the fourth, and most dangerous, is that the deficit's accumulated value -- the official debt -- is a meaningful measure of our country's or any country's true indebtedness.Paul Krugman, who has been pleading for more deficit spending on a continuous basis in his New York Times column, is hawking all four fables. Pity our children if our policymakers continue to take his views seriously.The Deficit and RealityLet's start with the worst fable, namely that the debt Krugman is considering is, in fact, the right measure of our government's obligations. The measure Krugman is using is the official debt in the hands of the public, which is $11 trillion. But the true debt, known to economists as the fiscal gap, which includes all the off-the-book obligations of the government, is 20 times larger!These off-the-book obligations include the requirement, under current law, to pay today's 40 million seniors, on average, $30,000 per year in today's dollars in Social Security, Medicare, and Medicaid benefits through the rest of their days. They include the requirement, under current law, to pay today's 78 million baby boomers, when fully retired, $40,000 per head, in today's dollars, in Social Security, Medicare, and Medicaid benefits. They include the requirement to pay for all future military expenditures, all future welfare benefits, all future Supreme Court Justices salaries, and the list goes on.Like interest and principal payments on official government debt, these other payments are coming in the future. But of all the expenditures the government is promising explicitly or implicitly to make in the future, only those called "interest and principal payments" are being valued in the present and included in Krugman's measure of government debt.Perhaps Krugman should sit down with a 75-year-old and ask her whether she thinks the government has an obligation to continue sending her a Social Security check every month or a commitment, under Medicare and Medicaid, to help cover her future healthcare bills. Perhaps he should sit down with an admiral and ask whether the government has an obligation to build new submarines and maintain our fleet over time. Perhaps he should ask the head of the Department of Transportation whether there is a requirement to repair federal highways and build new ones.Krugman would quickly learn that these debts -- these obligations to spend -- are no less real and, indeed, a lot more real than the official debt. The official debt, after all, can be wiped out in real terms by printing money and raising prices. Not the case for our transfer payments and direct government purchases. They are either formally or informally indexed for inflation. As for the politics of who will get paid in a crunch, it's not the official debt holders. Just ask Greek bond holders how they fared in recent years compared to Greek retirees collecting state pensions.Paul Krugman is a Nobel Prize winner in economics. He should know the debt is not well defined -- that what's put on the books and what's kept off the books reflects labeling choices by successive Congresses designed to make the official debt as small as possible because, guess what, people like Krugman are writing about the official debt, but not the unofficial debt.Economists have been discussing this labeling problem and have been producing meaningful fiscal gap measures, that are label-invariant, for 40 years. I wrote a column called Deficit Delusion on this in the Public Interest back in 1984 and one in Science back in 1988. My most recent column is posted on the PBS Newshour site.Yet Krugman says in his most recent column that "I have yet to see any coherent explanation of why these longer-run concerns should determine budget policy right now." The coherent explanation is given by economic theory, which makes crystal clear that the choice of fiscal labels is economically arbitrary and that, as a consequence, the projected path of the government's short and long-term cash flows is arbitrary, and that, as consequence, economic theory does not distinguish short-run vs. long-run budget policy. What economic theory tells us is to look at the entire projected path of policy, measure its fiscal gap, and decide on the basis of the size of its fiscal gap whether the policy is sustainable.The equations of our economic models don't define the debt. It's that simple. Nor do the equations in physics define time or distance. In physics, how you measure time and distance is a matter of your frame of reference, which can be viewed as a language or labeling convention.When I was asked in 1988 by Science to write about economics fiscal relativity problem I was struck that the hard scientists could get this point so quickly and that so many economists could not. But, then again, economists are the tailors of this emperor's new clothes and have a very strong incentive to keep discussing fiscal policy using meaningless measures. Krugman is the chief tailor in this regard.The U.S. fiscal gap of $222 trillion is enormous and totally unsustainable. But rather than discuss the fiscal gap, Krugman discusses the official debt which is one-twentieth as large and, as indicated, a measure of the government's words, not its policies.Of course, once you have the emperor convinced that his new clothes are for real, you can take full advantage of his ignorance. Krugman is doing this with his readers. He's taking advantage of their ignorance by showing that a non-measure of government sustainability, intentionally designed to be as small as possible, is not of major concern. And in claiming that the long-run is distinct in terms of policy from the short run and can be ignored until we reach it, he's persuading his readers that they needn't worry about the fiscal Sword of Damocles suspending over our children's heads.This is fiscal child abuse pure and simple, and Krugman should be ashamed of his contribution to it. There is not a single dynamic model of the economy's dynamic transition being published in leading economics journals that doesn't include the constraint that the fiscal gap be zero. But Krugman simply discards what we academic economists call the government's intertemporal budget constraint.Let's be clear. Generationally speaking, paying for the government's spending is a zero sum game. Eliminating the fiscal gap -- satisfying the government's intertemporal budget constraint -- requires either a) an immediate and permanent 64 percent hike in all federal taxes or b) an immediate and permanent 35 percent cut in all projected government outlays including those called "interest and principal." If we wait a decade to take our medicine, these figures become 70 percent and 38 percent respectively. And, guess what? In that case, our children will face even higher taxes or lower spending over their precious lives.These aren't my estimates of the fiscal gap or what's needed to close it. They are my calculations based on the Congressional Budget Office's long-term fiscal forecast called the Alternative Fiscal Scenario. The CBO publishes this forecast in June each year. Last June the fiscal gap was $222 trillion. In June 2011 it was $211 trillion. It rose by $11 trillion between 2011 and 2012, which is the same amount as the entire stock of federal debt! The reason, in large part, is that baby boomers got one year closer to cashing in on all those Social Security, Medicare, and Medicaid payments which they are owed, but which have conveniently been ignored in tallying up federal debt.Krugman dismisses the terrible zero sum generational game we are playing with our kids. He sees our economy operating at less than full employment and says that if the government spends more on what it labels as purchases or transfer payments the economy will be stimulated, everyone will be hired, and the extra spending covered by the associated extra revenues.Something for NothingThis is the second fable -- demand-side voodoo economics -- that more spending will beget more taxes. But it's also the first fable -- supply-side voodoo economics -- that less taxes will beget more taxes. The reason is that cutting someone's taxes is, apart from words, no different that increasing their transfer payments so since Krugman believes that more transfer payments will pay for themselves, he must, perforce, believe tax cuts pay for themselves.Believing that we can get something for nothing -- that we can, in effect, produce mana from heaven by being more fiscally profligate -- is believing in magic. This is why President Bush, the senior, properly called such fantasies, when they were being espoused by Ronald Reagan, "voodoo economics." And when George Bush, the junior, cut taxes, Krugman routinely skewered him for doing precisely what Krugman is now advocating -- praying for mana.But let's assume Krugman has it right and that gambling yet further with our children's economic future will restore the economy to full employment. How much of the fiscal gap will go away? Precious little.Given the recent tax hike and sequester cuts, my guess is that this June's Alternative Fiscal Projection will look better, that the fiscal gap will fall to $200 trillion, and that we'll be short, on an ongoing basis, not 12 percent of GDP, but 11 percent of GDP.The CBO projection has the economy returning to full employment (defined as 5.5 percent) in 2017.If we could miraculously and immediately get back to full employment at no net budgetary cost via spending that pays for itself that would mean, at most, 5 percent more GDP for 4 years relative to what the CBO projects will arise. In terms of lowering the fiscal gap, this would contribute perhaps 2 percent in net revenue for four years against the 11 percent in additional net revenue needed in those years. But, and this is key, it would do nothing to come up with the 11 percent of GDP in net revenue needed for every year in the country's future beyond 2017. The point is that we'd still have an absolutely enormous fiscal gap to deal with even if more voodoo finance pays for itself and immediately gets the economy back to its potential GDP.Earth to Paul Krugman. We've just spent four years experimenting with demand-side and supply-side economics. During this time, the fiscal gap rose by $42 trillion to its current value of $222 trillion. If the fiscal gap in June is $200 trillion, as I predict, its $22 trillion decline won't reflect the healing power of your crude Keynesian voodoo policy, but real tax hikes and spending cuts.So as a means of achieve fiscal solvency, neither Keynesian demand management nor Reagan supply management is working. Yet Krugman and his partner in economic crime -- Larry Summers -- would say more voodoo medicine is needed. But we gave the patient a very big dose and he didn't respond.Meanwhile the underlying structural drivers of the long-term fiscal gap were ignored with all attention focused on the "short term." Again, every passing year brings us closer to all 78 million baby boomers receiving their benefits. These projected payments are like zero-coupon bonds. We're not feeling any cash-flow pain from them now, because Congress arranged the payment stream to delay when they come due. But they will come due shortly.Social Security, Medicare, and Medicaid expenditures are a 35 percent larger share of GDP today than in 2000. President Obama was able to stabilize this growth in his first term, but he didn't reverse it. Meanwhile, the way his healthcare reform was implemented could lead to explosive costs. There is a huge incentive under the Affordable Care Act for employers to shut down their health insurance plans, pay the relatively small penalty, and ship their workers over to the new health exchanges where the vast majority will get very large subsidies. This was one of the few things that Mitt Romney actually got right. But the Congressional Budget Office doesn't have this baked into their projections as far as I know.Don't Forget About InflationThe last fable -- fable three -- is that we can pay off our debts, no matter their labeling, simply by printing money. There is, today, a band of very prominent pundits and policymakers, I'll call them the Money Printers, who think the U.S., the UK, the Eurozone, and Japan can safely print tons and tons of money, pay their bills with this paper, and never have to worry about inflation. The ranks of the Money Printers include not just Krugman, but also Fed Chairman Ben Bernanke, FT columnist, Martin Wolf, Adair Turner, head of the UK's Financial Services Authority, the new Prime Minister of Japan, Shinzo Abe, IMF chief Christine LaGuarde, and the list goes on.But we've seen this movie for five years now, and it's a horror show. Since 2007, the developed world's central banks have roughly tripled the basic amount of money, called the monetary base, that existed in 2007. This has laid the groundwork for a tripling of the price level, i.e., for hyperinflation. Yet the printing presses continue to run at full tilt every second of every minute of every day. Here, again, we have reckless endangerment of our children with no accounting of the generational risks being imposed.In the last century, 20 countries ended up with hyperinflations by using the printing press to avoid taking fiscal responsibility. Now we have virtually the entire developed world printing money out the wazoo.Krugman's response is, "Where is the inflation? Where are the high interest rates?"My answer is give it time. The long history of fiscal and financial crises is that they happen abruptly, at a moment that seems not to matter, but in retrospect it was easy to see that the crisis would eventually materialize.I'm not a religious person, but this quote from the bible seems apt: "When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me."The belief in and practice of voodoo economics, extraordinary reliance on the printing press, and the intentional use of deceptive measures of our nation's fiscal obligations is, at its root, childish, selfish, and self-serving behavior by people who don't deserve the title of "adult."Laurence Kotlikoff is an economist at Boston University and President of Economic Security Planning, Inc. whose company markets Maximize My Social Security and ESPlanner (Economic Security Planner).
NAPA - 5 Qts conventional Oil + Filter $20.99 plus $3 IR
Added on : Sunday March 10th 2013 01:00:03 PM
NAPA - 5 Qts conventional Oil + Filter $20.99 plus $3 instant rebate."Change is good. Especially when it comes to your oil. This month as the seasons change to warmer weather, we're offering a hot deal on everything you need for an oil change. Get 5 quarts of Valvoline Conventional or Maxlife Motor Oil and a NAPA Silver Filter for just $20.99*. Head over to NAPA today and save on a change this spring.""Get a $3 instant rebate when you mention this ad."*Offer good on many popular NAPA Silver Oil Filters regularly priced at $3.99. Prices will be higher for some filters. Sale prices do not include applicable state/local taxes or recycling fees on oil. Offer expires 3/31/13.
5 qts Mobil Super conventional oil
1 Purolator Classic Filter *
-----------------------------------
Print this coupon
-----------------------------------
$15.99 * The coupon says oil filter up to $6.99. Purolator Classic is included in this deal. But I checked on their website for oil filter numbers for this Purolator brand and found that some Purolator PUREone oil filters are under $6.99 for my vehicles. Perhaps I could negotiate if I could substitute the Classic for the PUREone filters since these are textured for grip and supposedly better?
http://www.sears.com/shc/s/p_10153_12605_09045011000P
Fri & Sat Sears Auto Center will offer conventional oil changes for $16.99 + tax + disposal fee of $3 (standard at most places now)Shop Your Way members get 5000 points back on this purchase = $5If you'd rather have a synthetic or high mileage oil change they are taking $13 off the reg price on those + the 5000 points in addition.www.sears.comwill be on the website tomorrow, shown on front page of 2 Day ad for Fri Sat in some papers today.
http://www.dailysteals.com/ Let your music roam free with the R68 Wireless DJ headphones.
Pull on the R68 Wireless DJ Headphones and let the music bump. The 30-foot range and 8-hour battery (listening mode) means you don't need to worry about missing anything when you go grab another snack from the refrigerator. Its powerful transmission is capable of broadcasting through wall and other solid surfaces delivering incredible sound.

Feel free to wear these headphones for hours with the cushioned headband and ear cups. Aside from its conventional use these headphones can be used to watch a movie without waking disturbing anyone else in the room. Use it with your computer, Mp3 players, amps or any audio source. Let your music roam free with the R68 wireless DJ headphones.
------
Condition: New
Packaging: Box
Warranty: 1 Year

Product Features:
R68:
DJ-style headphones
Swiveling ear cups
FM signal
3.5mm jack
Wirelessly transmits from base station
Cushioned headband and ear cups
30ft range
Works through walls and other solid surfaces
For computers, CD players or any audio source
Requires 5 AAA batteries (not included)

What You Get:
Wireless DJ Headphones
Base Station
http://www.groupon.com/deals/legends-clearing-house-9
In a NutshellCollection of 5075 classic comic books ramps up collections with legendary superheroes and 36 packs of unopened collector cards
Online Deal
The Fine Print Expires May 22, 2013
Limit 1 per person, may buy multiple as gifts. Shipping is an additional $7. Allow up to 2-3 weeks for delivery. Online only.hough most comic books tell fictional tales about superheroes saving the world, some are just about guys in their mid-40s who can open jars of mustard pretty quickly. Choose your adventure with this Groupon.
$39 for 5075 Classic Comic Books ($550 Value)Each collection of comic books features popular superheroes as well as rare and vintage issues. You'll also receive an unopened box of 36 packs of collector cards. The packs will include Star Wars, Marvel, and DC collector cards.Legends Clearing HouseLegends Clearing House beefs up memorabilia collections with a regularly refreshed lineup of coveted keepsakes and more than a quarter of a billion sports cards in stock. Baseball, football, basketball, and hockey cards feature iconic names, pictures, and poses that date back to the days of Mickey Mantle and beyond, when cards were more likely to be used in bike spokes or to showcase the stats of the neighborhood's fastest milkman rather than as collectibles. In 2010, Legends Clearing House extended its business past large retailers and began selling its treasures directly to the public. Conventional collectors continue to reap the benefits of the company's inventory, which, today, oozes into nonsports realms, including comic books and other mementos.
Groupon Coupons
http://tech.woot.com/offers/targus-laptop-charger-w-phone-batter...Condition: NewFeatures:
‣ The Targus Laptop Charger with USB Fast Charging Port is a 90 watt adapter that allows you to quickly charge a laptop and tablet or smartphone at the same time
‣ Sized for travel, this charger is 25% smaller than most conventional power bricks and comes with a 2.1A USB Fast Charger that connects right to the cable which makes it easy to plug in a USB compatible device, including an iPad or tablet, and charge it alongside the laptop
‣ Built-in surge protection to keep all of your mobile devices safe from unexpected surges and spikes, this reliable adapter includes (7) connector tips to support Acer, Asus, Compaq, Dell, Fujitsu, Gateway, HP, IBM, Lenovo, Panasonic, Sony and Toshiba right out of the box
‣ Also compatible with all iPads, leading tablet devices, iPhone, BlackBerry, Android and other devices with USB charging capability
‣ Features a 5V, 1.0A output, perfect for anyone in need of extra power
‣ 2000 mAh of battery capacity, you can extend the talk time of your Smartphone. Just connect the backup battery to any Smartphone to recharge and continue calling, gaming, or surfing the web
‣ Can be recharged from any standard USB port and is compatible with the Targus USB Fast Charger for rapid charging
‣ 4-level LED battery indicator, users are never left without powerSpecs:90 Watt AC Adapter:Input: 100-240VAC, 50/60Hz, 2.5A
AC Input Cable Length: 5 feet
Output: 19.5VDC, 4.61A max, 90W max
Up to 90W Continuous Power
Output Cable Length: 6 feet
Dimensions: 5.2"(W) x 2.2"(H) x 1.2"(D)
Weight: 1.34 lbsUSB Fast Charger:Input: 15-24VDC, 6.0A
Output (pass through): 19.5VDC, 4.61A max, 90W max
Up to 90W Continuous Power
Output 2 (USB): 5.1VDC, 2.1A max, 10.7W max
Cable Length: 3"
Dimensions: 2"(W) x 1.4"(H) x 0.6"(D)
Weight: < 1 ozSmartphone Backup Battery:2000 mAh Lithium-Polymer Rechargeable Battery
Output:
USB Standard A Port
DC 5.1V, 1A
Input: microUSB Port
Dimensions: 4.02"(W) x 2.3"(H) x 0.41"(D)
Weight: 7.36 ozShipping Note: Eligible for shipping to all 50 statesWarranty: 1 Year Targus
woot! Coupons
head on over here to download a high-value $7-$10 Valvoline Motor Oil Mail-In Rebate. Just purchase 5 quarts of Valvolines NextGen Conventional Motor Oil and receive a rebate for $7 or purchase 5 quarts of Valvolines MaxLife NextGen High Mileage Motor Oil and receive a rebate for $10 (purchases must be made by 3/31/13).http://www.valvoline.com/Offers/offer?id=ngcrm$10ext
thenhead on over to Coupons.com to print a high-value coupon valid for $8 off any 2 5-quart jugs of Valvoline Motor Oil. Combine this coupon with the mail-in rebatehttp://www.coupons.com/coupons/?pid=15493&nid=10&zid=yn07&plid=E...
Need help with comparing mortgages....interest rates
Added on : Wednesday February 13th 2013 08:01:02 PM
Hey guys,My parents are buying a 2 family house in a close proximity to NYC. Commute is excellent from the town. the price of the house is $475k. From market research by me the price is undervalued by a good $100k more or less. The second unit will rent out at about $1500 to $1600 monthly with utilities being separate.total jointly income is about $86k before taxesfather's credit score is 800
mother's credit score is 700My folks are putting down 15%. They have applied to 3 different lenders.1st - directly to Chase.Chase said that they only qualify for an FHA loan.2nd mortgage broker got them approved for a conventional loan at 4% initial interest rate and 4.535% APR = monthly payment $2,6483rd mortgage broker gave them a GFE with 4.25% initial interest and 4.489% apr = monthly payment $2,594
The 3rd option looks the best since the closing costs are pretty much the same as the 2nd broker but the monthly payment is $50 less. Can you explain to me the different interest rates in the loan?It shows that the initial interest rate is 4% and than the GFE shows that the APR is 4.535% . I don't quite understand this. Is the initial 4% interest rate for the whole amount of money financed? And then the APR 4.535 is an additional interest on annual basis on top of the initial interest rate of 4%Which rates should I use to compare the loans?from looking over at the terms it looks tome that the 3rd option is the cheaper one.
NJ Home Show & Interior Design Expo, March 8-10, 2013 - Free Admission
Added on : Monday February 11th 2013 11:00:02 AM
PSE&G has posted their free tickets to the annual home show through their worry free contracts website:
http://www.pseg.com/home/customer_service/worry_free/contracts/b...Details:
FREE ADMISSION FOR 2 to the 23rd Annual NJ Home Show & Interior Design Expo, March 8-10, 2013, at the New Jersey Convention and Expo Center in Edison, N.J.Ticket Link: http://www.pseg.com/home/customer_service/worry_free/pdf/homesho...PDF also attached
Memory Foam Pillows sale Boscovs.com F/S wyb $50.00
Added on : Sunday January 27th 2013 07:00:04 PM
Text
http://www.boscovs.comAuthentic Talatech Latex Foam Bed Pillow Group
Price: $59.99
Now! $14.99
Sensorpedic Dual Comfort Supreme Pillow
Price: $59.99
Now! $29.99
Soft-Tex Memory Foam Classic Contour Pillow
Price: $39.99
Now! $19.99
Soft-Tex Memory Foam Classic Conventional Pillow
Price: $39.99
Now! $19.99
Authentic Talatech Latex Foam Bed Pillow - King(5 reviews)
Price: $59.99
Now! $14.99
Sensorpedic Memory Foam Any Position Pillow(1 review)
Price: $39.99
Now! $19.99
Sensorpedic Memory Foam Lumbar Support Pillow(1 review)
Price: $39.99
Now! $19.99
Sensorpedic Memory Foam U-Neck Travel Pillow(1 review)
Price: $39.99
Now! $19.99
Memory Foam Contour Pillow
Price: $14.99
Now! $9.99
Sensorpedic Luxury Memory Foam Pillow-King
Price: $99.99
Now! $39.99
Sensorpedic MemoryLoft Pillow - Jumbo
Price: $24.99
Now! $12.99
SleepJoy ViscoFresh Contour Pillow
Price: $59.99
Now! $29.99
Boscov's Coupons
70" Vizio Razor Smart LED - $1,579 @ Sams / Costco
Added on : Thursday January 24th 2013 11:00:10 AM
I personally have this TV, it absolutely rocks & will vouch for how great it is:Link to Sams TVLink to Costco TVCostco gives you 90 day price protection & 2 years of warranty included, Sams offers 4 years of 4 square for $99 (1 year standard warranty).
This season, go big with VIZIO! The E-Series 70 Class Razor LED Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value. Enjoy crystal-clear action and eye-popping images in 1080p Full HD resolution with 120Hz refresh rate with smooth motion.

A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space. VIZIO Internet Apps with built-in WiFi gives you instant access to a world of streaming movies, TV shows, music, and more all at the push of a button on the smart remote with keyboard. This 70" Class Razor LED Smart TV gives you more of what you love about TV with all the brilliant picture quality and world-class support youd expect from Americas LCD HDTV Company. This season, go big with VIZIO! The E-Series 70 Class Razor LED Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value. Enjoy crystal-clear action and eye-popping images in 1080p Full HD resolution with 120Hz refresh rate with smooth motion.
A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space. VIZIO Internet Apps with built-in WiFi gives you instant access to a world of streaming movies, TV shows, music, and more all at the push of a button on the smart remote with keyboard. This 70" Class Razor LED Smart TV gives you more of what you love about TV with all the brilliant picture quality and world-class service youd expect from Americas LCD HDTV Company.Key Features and Benefits

VIZIO Internet Apps Instantly enjoy online movies, TV shows, music, apps and more
Razor LED for richer colors and more vivid details in an ultra thin design
Slim frame design with ultra thin profile beautifully enhances any living space
Smart remote with QWERTY keyboard
Built-in WiFi for easy internet access
120Hz with smooth motion delivers stunning detail and clarity in every image
1080p Full HD resolution for a crystal-clear picture
A slim outer frame delivers a more immersive picture with less frame around the TV
1 million to 1 Dynamic Contrast Ratio for deeper blacks
SRS StudioSound HD delivers crisp, clear audio
Four HDMI ports perfect for cable boxes, game consoles, Blu-ray players and more
More energy efficient than conventional LCD HDTVs*
USB Multimedia photos, music, and videos
Ambient light sensor auto-adjust picture to room lighting
Sams Club Coupons
70" Vizio razor LED - $1,579 @ Sams / Costco
Added on : Thursday January 24th 2013 10:00:02 AM
I personally have this TV, it absolutely rocks & will vouch for how great it is:Link to Sams TVLink to Costco TVCostco gives you 90 day price protection & 2 years of warranty included, Sams offers 4 years of 4 square for $99 (1 year standard warranty).
This season, go big with VIZIO! The E-Series 70 Class Razor LED Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value. Enjoy crystal-clear action and eye-popping images in 1080p Full HD resolution with 120Hz refresh rate with smooth motion.

A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space. VIZIO Internet Apps with built-in WiFi gives you instant access to a world of streaming movies, TV shows, music, and more all at the push of a button on the smart remote with keyboard. This 70" Class Razor LED Smart TV gives you more of what you love about TV with all the brilliant picture quality and world-class support youd expect from Americas LCD HDTV Company. This season, go big with VIZIO! The E-Series 70 Class Razor LED Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value. Enjoy crystal-clear action and eye-popping images in 1080p Full HD resolution with 120Hz refresh rate with smooth motion.
A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space. VIZIO Internet Apps with built-in WiFi gives you instant access to a world of streaming movies, TV shows, music, and more all at the push of a button on the smart remote with keyboard. This 70" Class Razor LED Smart TV gives you more of what you love about TV with all the brilliant picture quality and world-class service youd expect from Americas LCD HDTV Company.Key Features and Benefits

VIZIO Internet Apps Instantly enjoy online movies, TV shows, music, apps and more
Razor LED for richer colors and more vivid details in an ultra thin design
Slim frame design with ultra thin profile beautifully enhances any living space
Smart remote with QWERTY keyboard
Built-in WiFi for easy internet access
120Hz with smooth motion delivers stunning detail and clarity in every image
1080p Full HD resolution for a crystal-clear picture
A slim outer frame delivers a more immersive picture with less frame around the TV
1 million to 1 Dynamic Contrast Ratio for deeper blacks
SRS StudioSound HD delivers crisp, clear audio
Four HDMI ports perfect for cable boxes, game consoles, Blu-ray players and more
More energy efficient than conventional LCD HDTVs*
USB Multimedia photos, music, and videos
Ambient light sensor auto-adjust picture to room lighting
http://www.pepboys.com/sale_specials/coupons/10off_pennzoil_valv...DIY OIL CHANGE above
Link to all coupons below http://ebm.email.pepboys.com/c/tag/hBQ7xm1B4DJdDB8wNEiNsi01B.B4D...
LinkYes, it's not new. And I have no idea how old this is, based on my minimal knowledge of e-readers. But this seems like a terrific price, even if it's refurbed by the seller.
From the seller: This item may have very light wear and is in working condition. Does not come with original box."Detailed item info
Product Information
Reading gets innovative and easy with the Kindle 2 tablet from Amazon. With latest E Ink Pearl display, this Amazon Wi-Fi tablet ensures excellent text clarity and image sharpness. Having 8.5 ounces weight and 1/3-inch thin design, this Amazon tablet PC proves to be light and compact than those conventional magazines to ensure ease of portability. You can now share meaningful passages or contents with on Twitter and Facebook using this Amazon Wi-Fi tablet. Connect to Wi-Fi hotspots and this Amazon tablet PC will allow you to download books in seconds. The Kindle 2 tablet can read English-language content out loud to you with its Text-to-Speech feature for your convenience. The 5-way navigation button of the Kindle 2 tablet provides ease operation.Product Identifiers
BrandAmazon
Model2
MPNB002-KNDL2NOW
CarrierUnlocked
UPC892685001072, 892685001218Key Features
TypeeBook Reader
Family LineKindle
Display Size6in (15.24 cm)
Hard Drive Capacity2 GB
Operating SystemLinux
Internet ConnectivityWi-Fi + 3G
Supported File TypesAA, AAX, AZW, BMP, DOC, GIF, HTML, JPEG, MOBI, MP3, PDF, PNG, PRC, TXT
ColorWhiteProcessor
Processor ManufacturerFreescale
Processor Speed532 MHzDisplay and Screen
Display TechE-Ink Pearl
Display Max. Resolution800 x 600Connections and Expandability
Expension PortsUSB 2.0
Wireless capabilitiesWLAN 802.11b, WLAN 802.11g
Audio InputStereo Input Jack
Audio OutputSpeaker(s)Dimensions
Height8in (20.3 cm)
Width5.3in (13.4 cm)
Depth0.36in (0.914 cm)
Weight0.638lb (0.29 kg)Battery
Battery TechnologyLithium polymer
Battery Run TimeUp to 504 hoursAdditional Technical Informations
Input MethodKeyboardEDITED: To include price in title (Duh!)
eBay Coupons
Travel Deals FAQs/Guidelines and Request Etiquette

Please do not take it personally if someone suggests you look here first. That's what it was designed for - to help you and other members make FW Travel Deals the best it can be.

Before posting a new topic on the board, please make sure that you conduct a SEARCH to make sure that it has not been covered previously.

Many thanks to NatHockens, amszyh, mom2boys, Rack, dumbredneck, bozo007, onecorgilover, jamielobo, and others for their inputs!

This post will be updated as needed.

Most posts on this board can generally be classified into 3 main areas:

1.Travel Deals
2.Request for help (I need air/hotel/car help planning my family vacation)
3.Request for information (Any good recommendations on restaurants in Vegas?)

Travel Deals

1.As stated above, please conduct a SEARCH to ensure that the deal was not posted previously.
2.Try to be specific as possible in your title. (Mandalay Bay $20 per night for 08/29 only on Orbitz!)

Request for Help

Before posting a new topic requesting help on the board, please make sure that you conduct a SEARCH to make sure that it has not been covered previously.

Although this board is technically a Travel Deals board, many people use it to gain information in helping to plan a trip. Generally speaking, this is acceptable PROVIDED that you include all pertinent information.

1.If you are looking for anything to do with airfare deals , please try HERE first.

2.If you are looking for anything to do with hotel deals, please try HERE first.

3.If you are looking for hotel reviews please check here Trip Advisor

4.If you are looking for car rental codes, please conduct a SEARCH first. You can also try Rentalcodes.com

5.If you are seeking assistance in planning a trip, please include ALL of the following information:
a.Make sure you begin your Title with REQUEST - For example, REQUEST Need cheap air/hotel package to Vegas from LAX in Oct
b.Dates of travel
c.Departure city (and airports)/destination
d.# of people (adults/children) (if children, you may wish to include ages)
e.# of nights
f.Approximate budget for your trip
g.Activities that interest you
h.WHAT YOU HAVE FOUND SO FAR IN YOUR RESEARCH. Please include complete prices (incl all taxes and fees) and where you have located the deal.

Please DO NOT post a new topic until you have done the items listed above. Finally, once you have posted your information, and received feedback from the community for your trip, please try to post a message indicating the details of what you finally ended up purchasing so that others may benefit.

Request for information, CODES, etc

You may be surprised at the number of questions and subsequent responses that have been posted to the board covering many topics.
1.Please conduct a SEARCH before you post asking for specific information.
2.Use a web search engine (like www.google.com or www.ask.com) to try to find your answer.

Frequently Asked Questions

Where can I find cheap Chinatown consolidators? - thanks dwr1127!

Do I need a visa/passport to go to.? - thanks bozo007!

Research advice for European travel - thanks tap9!

Timeshare Advice - thanks mrmarshmellow & sexyrican!

Promotion Codes for Las Vegas - thanks strosg97!

The Legal fine print of traveling:- thanks onecorgilover! Link

Road tripping? Keep your eyes on the price of gas:- thanks onecorgilover! Link

If you need to check your email while on vacation, check out these cyber cafes:- thanks onecorgilover! NetCafes

Curious about what the airlines are feeding you? Check out this site where photos of in-flight meals are posted:- thanks onecorgilover! Link

Discover which airline seats are the best by investigating the seat maps listed on this site:- thanks onecorgilover! SeatGuru

If you need to locate certain flights at your airport, this site will assist you:- thanks onecorgilover! Timetables

Want restaurant reviews and advice from fellow travelers?- thanks onecorgilover! ChowHound


Disney Questions
Mousesavers
Disney Echo - thanks mom2boys!

Cruise Questions
Cruise Critic
Cruise Compete - thanks onecorgilover!


Frequent Flyer Programs/Questions
Flyertalk

Priceline and Hotwire Questions
Better Bidding
BiddingForTravel (Priceline Only)

Last Minute Trip Resources - thanks NatHockens!
Site 59
Travelzoo
Last Minute Air Tran
AA Next Weekend Domestic Fares
AA This Weekend Domestic Fares
AA Last Minute International Fares
US Airways Last Minute Getaways
United
NWA Last Minute Cyber Saver Packages
E-Fares - US Airways E-Savers Flights


Student Resources
Student Universe - thanks amszyh!
Travelcuts - thanks onecorgilover!
STA Travel - thanks onecorgilover!

Travel Boards/Resources
Lonely Planet
Lonely Planet Travel Board Thorn Tree
Frommers
Fodors
MSNBC Travel - thanks onecorgilover!
About.com - thanks onecorgilover!
Timeout - thanks onecorgilover!
ViaMichelin - thanks onecorgilover!

FatWallet Member Trip Reports

Negril, Jamaica - Couples
Nuevo Vallarta, Mexico - RIU Jalisco
Egypt, Greece and Turkey - Egypt, Greece and Turkey
Aruba - Aruba
Honolulu - Honolulu
Prague - Prague
San Francisco - San Francisco
Marrakech, Morocco and Barcelona, Spain - Marrakech, Morocco and Barcelona, Spain


List of Convention and Visitors Bureaus in the USA:
Link

If you are looking for travel advice and tips straight from the travelers mouth:- thanks onecorgilover!
Slow Travel
Virtual Tourist
IgoUgo
Rick Steves
MyTravelGuide



SEARCH Tips -submitted by PeanutButterAndJelly

Here are some tricks for using the search box that is directly above the list of threads.

1) How to search for words in order. Suppose you want to find a thread about borders coupon. Normally this will not match a thread titled "borders $5 off coupon" (try it in HD). If you search for borders % coupon instead, it will find it. The "%" tells the search to ignore any stuff in the thread title that comes between the words "borders and "coupon". You can use "%" more than once. For example, 256%usb%drive will find all threads that have a "256", "usb", and "drive" in the title (in that order) even if there are other words in between (the first match I got was Iomega Mini 256MB USB2.0 Flash Drivefor $9.99 AR at Staples).

Note: if you search for 256 %usb%drive (with a space after the "256") you are telling the search to find all threads where there is a "256" followed immediately by a space, then some random junk, then "usb", then more random junk, and then "drive".

2) The character "_" is a wild card. It will match any single character. So searching on USB _.0will match threads whose titles are USB 2.0 or USB 1.0 (as well as "USB A.0", "USB B.0", etc)


Please feel free to send me updates to this FAQ, and I can update it as needed.
EDITED 11/10/05 - Updated to include section for Trip Reports
EDITED 03/23/06 - Updated to include Aruba Trip Reports
EDITED 05/19/06 - Updated to include Honolulu and Prague Trip Reports
EDITED 07/07/06 - Updated to include San Francisco and Marrakech, Morocco and Barcelona, Spain Trip Reports
http://www.amazon.com/dp/B009VKE7TA/Features:
Ultra-sharp 7-inch ceramic serrated slicing blade is perfect for slicing larger foods such as heads of lettuce, cabbage and melons.
Ceramic blade ground to microscopic precision by diamond wheels for rock-like edge with excellent sharpness retention
Totally impervious to acids, juices, oils, salts or other elements; will never rust
Lightweight, extremely balanced in the hand; ergonomic handle reduces fatigue during repetitive cutting
Hand wash only; mail to Kyocera for free sharpening ; customers pay only shipping & handlingOur Kyocera 7-Inch Serrated/Bread Slicing Knife is ideal for slicing larger foods such as heads of lettuce, cabbage and melons. The serrated edge glides through softer foods such as breads and anything with a waxy skin such as tomatoes and nectarines. The 7-Inch blade is also great when slicing larger fish or meats
Unrelenting Sharpness: The strength and density of advanced ceramic allow grinding to microscopic precision by diamond wheels. This hardness translates into a rock-like edge that will not roll like conventional blades. Edge retention is the most significant benefit of using ceramic blades, which stays razor-sharp 10 times longer than conventional steel blades, including high carbon steels.Unparalleled Purity: Ceramic is a pure and healthy alternative. Unlike steel blades, ceramic blades will never rust or change from its natural state. It is totally impervious to acids, juices, oils, salts or other elements. As a result, it will never alter the taste, smell or appearance of food.Ultra Lightweight: Ceramic blades are typically half the weight of equivalent metal blades. With no artificial weight added to the handle, it creates an extremely balanced, lightweight tool that becomes a comfortable extension of the hand, reducing fatigue during long, repetitive cutting tasks.Easy Maintenance: Kyocera offers complimentary sharpening; customers pay only shipping & handling ($10). The knives are professionally sharpened on a diamond wheel and promptly returned with a factory-new edgeDeal ends 9PM ET/6PM PT
Amazon Coupons
Free Atlantic City VALENTINE'S Day Group Wedding
Added on : Monday December 31st 2012 09:00:42 PM
I fought with myself on which forum to post this. It is free though...
When you register it also gives promo codes for discounted hotel rooms for the days of the wedding.
The Atlantic City Convention & Visitors Authority is hosting The 6th Annual non-denominational group wedding, civil union and vow renewal ceremony in the Adrian Phillips Ballroom in Boardwalk Hall on Valentine's Day, February 14, 2013.When: Thursday, February 14, 2013 at 2:00 pm
Where: Atlantic City Boardwalk Hall in The Ballroom
Cost: No cost. A limited number of guests are welcome to attend
Contact:ACWedding@accva.com or (609) 449-7126Registration (select appropriate):
New Marriages and Civil Unions Register Here
Renewals of Vows and Civil Unions Register Here*Last date to register is Sunday, February 10, 2013.Remember all marriage and civil union participants must obtain their own New Jersey marriage or civil union license*. Vow renewals do not need a license. In the State of New Jersey there is a 3-day mandatory waiting period for a marriage or civil union license. For more information or to access the necessary application forms visit the New Jersey Bureau of Vital Statistics website or call (609) 292-4087.*Out-of-State couples must have a New Jersey marriage or civil union license.A photographer will be available the day of the event, purchase of photographs is optional.
Sherwood VR-625B DVD Theatre with Speaker Bar
Hollywood-at-Home DVD Theater with Black Lacquer Speaker Bar, USB-Host, Progressive Scan, Dolby Virtual Speaker and Dolby Headphone decoding, 2 x 25W RMS for Speaker Bar, 50W Sub-woofer.
Plays DVD, DVD+-R/RW,DivX,, WMV9,CD,CD-R/RW, WMA9,MP3,VCD,SVCD, JPEG, Picture CD
Aux input for MP3/I-Pod
Dolby Virtual Speaker and Dolby Headphone decodingOverview:
Elegant Design / 5 Minute Set-up / Wall Mountable Speakers / Dynamic Surround Effects / 100 Watts RMS (Minimum) / Progressive Scan DVD Playback. Full Function, Multi-Unit Control, AM/FM Stereo Tuner with 40 Presets. Plays virtually all DVD's VCD's and CD's. Digital Clock, Timer On-Off, Sleep Timer, Auto Power Off. Advanced Digital Processing creates the Surround sound. Experience using an advanced model of human hearing and DSP processing. Dolby Virtual Speaker provides a thrilling surround sound experience from only two front speakers. Left and right sounds come directly from the actual speakers in front of you, while surround sounds appear to come from imaginary speakers beside and slightly behind you. Surround Sound from 2-Channel(Conventional) Headphones. Experience the impossible! Multi-Channel surround sound from stereo headphones. Dolby Headphone uses DSP processing to pre-encode each channel with the sonic signature of a 5-Channel surround sound. Private listening will never be the same.In-Store Only. No Shipping.
LG 42LM3400 42" 1080p 60Hz Cinema 3D LED (3.0" ultra-slim) HDTV $419 FS
Added on : Friday December 21st 2012 10:00:03 AM
Display
Widescreen Modes: Zoom 14:9, Conventional 4:3, 16:9, Full Wide, Just Scan, Original, Cinema Zoom
Additional Features: Intelligent Sensor, Smart Energy Saving Plus, Simplink, Picture Wizard II, Quick View, CINEMA 3D Technology, Triple XD Engine, progressive scan
Display Format: 1080p (FullHD)
Resolution: 1920 x 1080
TV Tuner
Stereo Reception System: MTS
Secondary Audio Program (SAP): Yes
Video Features
Input Video Formats: 720p, 1080i, 1080p
Electronic Program Guide: Digital EPG
Remote Control
Type: Remote control
Audio System
Sound Output Mode: Stereo
Surround Mode: Yes
Sound Effects: Infinite Surround
Audio Controls: Sound mode
Output Power / Total: 10 Watt
Additional Features: Clear Voice II technology
Speaker(s): 2 x main channel speaker - built-in - 5 Watt
Built-in Decoders: Dolby MS10
Connections
Connector Type: 2 x HDMI input ( 19 pin HDMI Type A ) - rear 1 x component video input ( RCA phono x 3 ) - rear 1 x audio line-in ( RCA phono x 2 ) - rear 1 x SCART ( 21 pin SCART ) - rear 1 x USB 2.0 ( 4 pin USB Type A ) - side 1 x HDMI input ( 19 pin HDMI Type A ) - side 1 x headphones ( mini-phone 3.5 mm ) - side 1 x audio input ( mini-phone 3.5 mm ) - rear 1 x digital audio output (optical) - rear
Power
Power Device: Power supply - internal
Power Consumption Stand by / Sleep: 0.29 Watt
General
Product Type: LED-backlit LCD TV
Width: 40.2 in
Depth: 3 in
Height: 24.8 in
Weight: 28.9 lbs
HDCP Compatible: Yes
Dimensions & Weight Details
Dimensions & Weight Details: Panel with stand - 40.2 in x 10.3 in x 27.4 in x 32.4 lbs Panel without stand - 40.2 in x 3 in x 24.8 in x 28.9 lbs
More Information
Model No.:42LM3400
Shipping Weight (in pounds): 39.2
Product in Inches (L x W x H): 40.0 x 10.3 x 27.4Add to cart then sign-in to see the magic price http://www.walmart.com/ip/LG-42LM3400-42-1080p-60Hz-Cinema-3D-LE...
Walmart Coupons
http://www.sears.com/oil-change-service-filter-3-shop-fee-exclud...No shop fee in in CA, IL, MN and PROil Change Service Keeps Your Vehicle in Optimum Shape
(Includes Filter and up to 5qts of Conventional Oil*)This Oil Change Maintenance Service is offered by Sears to help you keep your vehicle in optimum condition for your driving pleasure. The mechanical components need to be lubricated to prevent wear and heat build-up due to friction. For best results and smooth functioning, Sears recommends an oil change after every 3,000 miles. With frequent oiling and maintenance, you can extend the life of your car's engine and also maximize its horsepower.The Oil Change Service from Sears is performed by professionals so that your vehicle stays in safe hands. The service includes the installation of conventional oil featuring Valvoline as it minimizes deposit formation and keeps your engine clean. If required, a chassis lubrication is performed as well, where the frame of your car and wheels are lubricated that helps your vehicle move smoothly over bumps and turns around corners with ease. Other services like tire inflation and topping up important fluids are also provided.The Oil Change Maintenance Service includes filling up to 5 quarts of conventional oil featuring Valvoline
Lubrication of the chassis is provided, if necessary
You can ask for the oil change light to be reset so that you get accurate readings
Tires are inflated with the right amount of air for smooth driving
The windshield washer and power steering fluid are topped off and brought to the optimum level
For your benefit, complementary checks of brake fluid level, lights, air filter, wiper blades, belts, tires, antifreeze and shocks/struts are performed
Sears also offers a vehicle-specific copy of the Maintenance Service Interval (MSI) so that you can maximize your vehicle's performance by keeping it well-maintained
*$3 shop fee will be applied at the store except in CA, IL, MN and PR
Sears.com Coupons
New Homeowner. Best way to allocate funds for Home Improvements.
Added on : Thursday December 06th 2012 02:01:04 PM
First off my apologies if I don't word this properly. I'm familiar w/ the RE jargon, but I'm not used to putting it in writing.
I am a new homeowner in Southern CA. I am trying to get input from the FWF community on ideas, tips and tricks for raising property value. A good chunk of my monthly mortgage goes to PMI and MIP. I would like to invest in the property as to increase value and offset LTV enough to remove PMI, escrow, etc. Of the improvements, I would prefer, but not dismiss, taking a loan of some sort. As long as in the end, I break even.My goal objectives are:
- Remove PMI, MIP as soon as possible. Refinance FHA loan into Conventional.
AND
1) live in the home for a period of time, perhaps 2-5 yrs, after which we would SELL the home and buy another one in a more desirable neighborhood.
OR
2) save for a second home, perhaps use the equity in this first home and purchase a second. Keep the first and take a stab at being a landlord renting it out.Already, I am looking into the following improvements:
- Replacement vinyl windows. This is a priority as the current ones are old single pane, have gaps, fall out of sliding tracks, etc.
* Lowest bid from a reputable window installer (Costco referral) for Milgard windows: $3,355.00- Build a patio cover.
* Lowest bid from general contractor: $3,200.00- Redo the kitchen. Basic, nothing too fancy.
* Ballpark estimate from window installer (above): ~$10,000.00- Repave cracked crumbly driveway.
* Lowest bid from general contractor: $3,553.00- Redo baseboards throughout house. The other day, my toddler discovered mold behind a cheapy plastic baseboards. This will soon become a priority.
* Lowest bid from general contractor: $1,850.00 Current Financial Picture
- Gainful yearly employment income: $45,500.00
- Brokerage Account 1 (Approx): $19,000.00 -- ($3K as "liquid cash", i consider this amount as a savings)
- Brokerage Account 2 (Approx): $6,000.00
- 401(k) Account (Approx): $25,000.00- Property Value: $200,000
- Financed Loan FHA: $196,377 (@ 30-yr fixed, 3.25% interest rate, 4.095% APR)
- FHA downpayment @3.5%: $7,000
- Total closing costs (incl. downpayment): $10053.21
- Property Appraisal Amount: $210,000
- Neighborhood comparable sold rage: $190,000 - $260,000
My concerns are investing heavily and depleting my cash reserves. Although employment is extremely secure, cash reserves are necessary leading me to consider redoing a kitchen may wind up being my last project right before selling. I have had a difficult time getting a clear answer on which improvements can I can have the house reappraised to adjust the LTV.Any ideas, tips, tricks, constructive criticism would be greatly appreciated.Merry Christmas to all FWF members!
Vizio 39" 1080p 60 Hz LED HDTV E390-A1 - $389.99 FS - Costco.com
Added on : Tuesday December 04th 2012 11:00:09 AM
VIZIO 39" Class 1080p LED TV E390-A1 (2 HDMI)LinkModel No.: E390-A1
Item No.: 839390Here's an addition to the 40"+ (or close enough) list of 1080p LED HDTVs under $400 (pre-tax). I didn't notice this one the last time I checked, so perhaps this is a new addition. Note that composite and component are shared, if you care about that; this seems to be a new trend, but what people are hooking up composite to their HDTV anyway?
Features:Product Highlights
Product Description
Product Description
Introducing the new E-series slim frame design. The VIZIO 39 Class LED TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value. Enjoy crystal-clear action and eye-popping images in 1080p Full HD resolution. A stunningly slim outer frame lets you enjoy TV with a narrower border around the picture for a more immersive experience and lets you maximize the space in your entertainment area by allowing you to fit a larger screen size TV in the same space. Plus, this LED HDTV is up to 50% more energy efficient*, to save you even more money.* When compared to same size 2012 LCD HDTVs lighted with CCFL technology.
Key Features and Benefits LED technology for richer colors and more vivid details
Slim frame design looks great on a wall or table stand
Up to 50% more energy efficient than conventional LCD TVs*
1080p Full HD resolution for a crystal-clear picture
A slim outer frame delivers a more immersive picture with less frame around the TV
Fit a larger size TV in the same space thanks to new slim frame design
200,000 to 1 Dynamic Contrast Ratio for deeper blacks
SRS StudioSound HD delivers crisp, clear audio
Two HDMI ports perfect for cable boxes, game consoles, Blu-ray players and more
USB Multimedia photo viewer
Ambient light sensor auto-adjusts picture to room lightingSpecs:
Video
Screen Size: 39 Class
Diagonal Viewable: 38.50
Backlight Type: LED
3D: N/A
Resolution: 1920 x 1080 (1080p)
Colors: 16.7 Million (8-bits)
Dynamic Contrast Ratio: 200,000:1
Refresh Rate: 60Hz
Response Time: 8.5ms
Viewable Angle (H/V): 176/176
OSD Language: English, Spanish, French
Audio
SRS StudioSound: Yes
SRS TruSurround HD: Yes
SRS TruVolume: Yes
Speakers/Power Output: 2 x 5W
Inputs
HDMI: 2 (side)
Component: 1 (down)
Composite: 1 (shared with component)
PC: No
RF Connector for Internal Tuner: 1 (down)
Ethernet: No
USB 2.0: 1 (side)
Outputs
Digital Audio Out (SPDIF): 1 (side)
Analog Audio Out: 1 (RCA) (down)
Multimedia Support
Music: No
Photo: Yes
Video: No
DLNA: No
Additional Features
VIA (VIZIO Internet Apps): No
3D File Formats Supported: N/A
Smart Dimming: No
Smooth Motion: No
Ambient Light Sensor: Yes
WiFi: No
Bluetooth: No
HDMI CEC: Yes
HDMI ARC: Yes
PIP (Picture in Picture): No
Mercury Free: Yes
Remote Control: Yes
3D Glasses: N/A
Certifications: UL, CUL, FCC Class B, HDMI 1.4b incl. CEC/ARC, Vizio AQ, Vizio PQ, Dolby Digital
Compliance: ENERGY STAR 5.3, ATSC Spec A/65, EIA/CEA-766-A, California Energy Commission
Wall Mount Specifications
Hole Pattern: 100mm x 100mm
Screw Size: M4
Screw Length: 10mm
Screw Pitch: 0.7mm
Power Ratings
Power Consumption: 32.5W
Standby Power Consumption: <1W
Energy Compliance: ENERGY STAR 5.3
Product Dimensions
With Stand Inches: 34.92W x 22.64H x 7.99D
Product Weight With Stand: 22.05 lbs
Without Stand Inches: 34.92W x 20.78H x 2.95D
Product Weight Without Stand: 18.96 lbs
Packaging Dimensions
Inches: 39.80W x 24.13H x 6.18D
Product Weight With Box: 26.30 lbs
LG 47LM4600 47-inch 1080p 120Hz 3D LED HDTV for $628 @ WalMart
Added on : Friday November 30th 2012 05:00:06 AM
The LG 47" Class LED 1080p 120Hz HDTV, 47LM4600 provides a slim profile and delivers amazing brightness, clarity and color detail, as well as greater energy efficiency compared to conventional LCD TVs.LINKY
Walmart Coupons
ASUS Eee Pad Transformer 16GB Android Tablet - $239.99
Added on : Thursday November 29th 2012 09:16:28 AM
Some things are meant to go together, and the ASUS RB-TFT-A1-16G Eee Pad Transformer Tablet transforms the conventional into the unconventional!
ASUS TF101A1 Refurb Eee Pad Transformer Tablet - $229.99
Added on : Wednesday November 28th 2012 09:16:36 AM
Some things are meant to go together, and the ASUS TF101A1 Eee Pad Transformer Android Tablet transforms the conventional into the unconventional!
Earthquake 1/2-inch Professional Air Impact Wrench for $75.99
Added on : Wednesday November 28th 2012 07:00:07 AM
This professional class pneumatic impact wrench delivers more power with better weight distribution, lighter materials and a more compact housing. Premium grade components with close tolerances give this tool a longer lifespan than conventional air wrenches.LINKYIN Cart at $94.99 - 20% off w/coupon 83634902 or 22478559 = $75.99
Harbor Freight Tools Coupons
LG 47LS4500 47-inch 1080p 120Hz LED HDTV for $499
Added on : Tuesday November 27th 2012 02:00:08 PM
Full HD 1080p Resolution/ Triple XD Engine/ TruMotion 120Hz/ Smart Energy Saving/ LG's LED technology provides a slim profile and delivers amazing brightness, clarity and color detail, as well as greater energy efficiency compared to conventional LCD TVs
LINKY
eBay Coupons
Dell Home Mitsubishi Electronics C Series 73-inch DLP TV - WD-73C12 1080p Home Cinema TV $799.99 with free shippingModel WD-73C12 (if direct is not working, search site for model # or sku A5983087)
SPECSProduct Description: Mitsubishi WD-73C12 - 73" rear projection TV
Series: C12 SeriesStand: Included
Display Format: 1080p (FullHD)
Image Aspect Ratio: 16:9
Resolution: 1920 x 1080
Supported Computer Resolutions: 1365 x 768, 1024 x 768 (XGA), 640 x 480 (VGA), 800 x 600 (SVGA), 1280 x 1024 (SXGA), 1280 x 720, 1920 x 1080
Projection Display Technology: DLP
Widescreen Modes: Conventional 4:3
Max V-Sync Rate: 120 Hz
HDCP Compatible: Yes
Video Interface: Component, composite, HDMI
Input Video Formats: 480p, 720p, 1080i, 1080p, 480i
Connector Type: 1 x composite video / component video input ( RCA phono x 3 ) - rear 1 x audio input ( RCA phono x 2 ) - rear 1 x SPDIF output ( RCA phono ) - rear 1 x audio input ( mini-phone stereo 3.5 mm )
USB Port: Yes , 1 port(s)
HDMI Ports Qty: 2 port(s)
TV Tuner: 1x analog/digital combo
Motion Enhancement Technology: 120 Hz Sub-Frame RateSpeaker(s): 2 x right/left channel speaker - built-in - 10 Watt
Supported Audio Formats: PCM
Speaker System: 2 speakers
Additional Features: Volume limiter
Sound Output Mode: Stereo
Digital Audio Format: Dolby Digital output
Surround Mode: YesEnergy Compliance
Output Power / Total: 20 Watt
Power Consumption Stand by / Sleep: 0.93 Watt
Power Consumption Operational: 213 Watt
Energy Consumption per Year: 391 kWhWeight: 34.3 kg
Dimensions (WxDxH): 166 cm x 45.5 cm x 111 cm
Dell Consumer Coupons
ASUS Eee Pad Transformer 16GB Android Tablet - $229.99
Added on : Monday November 26th 2012 09:19:04 AM
Some things are meant to go together, and the ASUS RB-TFT-A1-16G Eee Pad Transformer Tablet transforms the conventional into the unconventional!
ASUS TF101A1 Refurb Eee Pad Transformer Tablet - $239.99
Added on : Saturday November 24th 2012 09:19:50 AM
Some things are meant to go together, and the ASUS TF101A1 Eee Pad Transformer Android Tablet transforms the conventional into the unconventional!
Columbia Men's Transit Zone Shell Jacket $179.99 FS @ altrec
Added on : Sunday November 18th 2012 10:00:07 AM
Columbia Men's Transit Zone Shell Jacket $179.99 FS @ Altrechttp://www.altrec.com/odat/Some urban winter coats can weigh heavy on you during commutes, but the waterproof and breathable Columbia Transit Zone Shell Jacket for men has a lightweight profile that doesn't compare to conventional casual outerwear. It's made with a durable blended polyester/elastane/nylon twill fabric and backed with an Omni-Tech membrane that is waterproof and breathable. Unlike some lightly-lined urban and casual rain coats, the Transit Zone Shell Jacket features a lightweight Omni-Heat thermal reflective liner fabric comprised of tiny silver dots that reflect thermal heat back at your arms and torso. These reflective dots work the same way as a space blanket, but the tiny spaces between the dots to allow moisture and condensation to escape through the liner and the jacket's breathable outer fabric. Other refinements include hand pockets, a chest pocket, and a media pocket to protect your cellular phone, portable music player and other small urban tools or accessories. Shell fabrics: 85% polyester, 8% elastane, 7% nylon twill; 89% nylon, 11% elastane; 100% polyester
Omni-Tech waterproof/breathable membrane
Omni-Heat thermal reflective lining
Fully seam-sealed construction
Water-resistant front zipper backed with an internal draft flap
Two drop-in and zip handwarmer pockets with flaps
One chest pocket
One internal media pocket
Altrec Outdoors Coupons
Mortgage Question..
Added on : Saturday November 17th 2012 07:00:56 PM
Couple of Questions..1.I have talked to few mortgage brokers and they all seem to give me a rate of 3.375% with ~$1000 in fees for a 30yr fixed conventional My credit is 770. is that reasonable?2. With a 10% down on a 280K purchase price what kind of a PMI can I expect. These brokers are quoting form a range of 0.49 to 1.75 (rip off!)3. Does Costco members have any preferred lenders who are good? (saw couple of banks listed in their site.. any experience?)4.Penfed says a 3.375% rate with some fees.. how good are they at closing soon and working with them?The best deal I have got as of now is :----Primary Residence-Purchase Price 280k @ 10% down-30yr Fixed Conv --> 3.25% with a $850 in fees and 0.49 PMI -- is this good? ----Please suggest any good mortgage providers nation wide that have competitive rates and are good in timely closing, hassle free to work with... I have to go with one soon as my closing is in 50 days (extendable!)Guidance thankfully accepted..
Korkers SnowJack Boot Men's $134.95 + Free Shipping @ usoutdoor
Added on : Tuesday November 13th 2012 10:00:05 AM
Korkers SnowJack Boot Men's $134.95 + Free Shipping @ usoutdoorhttp://www.usoutdoor.com/deal/Korkers aren't just for fly fishermen anymore. For the last 50 years, the Oregon-based company has made boots that allow the wearer to walk to the stream, and then change to a more gripping sole for wading in watery muck. But now the versatility of change-out soles is available to the masses in the Korkers SnowJack Boot. The Korkers SnowJack Boot features a conventional lug sole as well as a carbide tip sole for icy surfaces. US Outdoor is proud to be one of the handful of retailers offering this exclusive boot with its unique dual sole capability. Korkers SnowJack Boot also offers classic warmth in a Thinsulate lining, waterpoof leather and a stretchable bootie that keeps feet perfectly dry. The molded toe and heel cap afford extra protection at key points without sacrificing flexibility in moving along trails. While it may have been designed with fly fishing in mind, the SnowJack Boot is sure to please anyone who ventures outdoors in changing conditions any time of year.
LOTS OF GREAT DEALS AT PEPBOYS B&M start 11/11 to 11/25MAIL IN REBATE DEALS (non oil)
_________________________________Champion Spk Plugs .48ea a/$2mir limit 16 rebatesMagellan 1424LM GPS $59 a/$20 MIRPEAK 1, 2.5 or 5 Million Candlepower Spotlights $4, $6 or $10 ea AFTER MIR (appears to be limit 2 PER sku, DOUBLE CHECK AT STORE)Peak 100watt Inverter $5 a/$10MIRBell 55 Piece Emergency Kit with cables, flashlight, first aid and more $10 a/$10 MIRDuramax 11 Pc Wrench Set $3 after $5MIRTactix 40 Pc Toolbox or DuraMax 113pc Mechanics Tool Set $15 a/$5mirTorin 2 Ton Trolley Jack $10 a/$10 MIRPeak 2.4" or 3.5" Back Up Camera $49 or $69 a/$20 MIR on eitherGoodyear 24v 1/2" Impact Wrench Set $69 a/$20 mirPeak 50/50 Anti freeze or full strength AF, $6 or $8 a/$5MIR on either3M Headlight Lens Renewal Kit $14.98 a/$5MIRPurolator Air Filters (all) $5 MIR, from $4.99CRC Break Kleen 2 for $8 mb 2
Carb/Choke Kleen 2 for $7 mb2OIL DEALS
***********************************************PEAK Conventional Motor Oil 5qts or 5qt jug $9.99 a/$5mirCastrol GTX High Mileage 5qts + Purolator Classic Filter $23.99 (no rebate)Castrol Edge with Syntec + Pure One Oil Filter $31.99 (synthetic filter $3 more) rewards members pay $29.99 for $31.99 dealCastrol GTX Convent. 5qrt + Classic OFilter $19.99 lim 2
Batch Files Renamer - free download today @ BitsDuJour
Added on : Friday November 09th 2012 10:00:08 AM
Rename Files in Bulk Using Complex Rules
Have you really taken a look at the way that you name your files? One of the best ways to organize your files is to have a uniform naming convention, but who has the time to rename thousands of files? No one! That's why they invented today's discount software promotion - Batch File Renamer!Batch File Renamer lets you rename files in bulk - adding, removing, inserting, and replacing characters and text, changing extensions, and more. With Batch File Renamer, you'll enjoy a real-time preview of your changes to avoid errors while exercising more than 40 different ways to rename files. Plus, you get the ability to undo past operations thanks to handy saved log files.It's amazing how flexible and powerful Batch File Renamer can be. For example, you can use an external file list in Microsoft Excel to rename your files, or apply multiple renaming rules in a single operation!(In the past I used RenameWiz, but the interface changed and I didn't like it. I hope Batch Files Renamer is better.)clicky
ASUS TF101A1 Refurb Eee Pad Transformer Tablet - $249.99
Added on : Friday November 09th 2012 01:16:05 AM
Some things are meant to go together, and the ASUS TF101A1 Eee Pad Transformer Android Tablet transforms the conventional into the unconventional!
ON SALE: Forzieri - Pitti - Silver Plated Cylinder Cuff Links
Added on : Friday November 09th 2012 12:54:27 AM
These daringly original silver plated Forzieri cuff links will enhance any cultivated presence. Their unconventional yet refined design is sure to make the shirt. Gift box included, made in Italy.
ON SALE: Forzieri - Pitti - Unconventional Gold Plated Cuff Links
Added on : Friday November 09th 2012 12:54:27 AM
These daringly original gold plated Forzieri cuff links will enhance any cultivated presence. Their unconventional yet refined design is sure to make the shirt.(Gold Plated, Box Included, Italian made)
Batch File Renamer - Free software download today - BitsDuJour
Added on : Wednesday November 07th 2012 06:00:02 AM
Batch File Renamer - Free downloadTextProduct description:Batch File Renamer
Rename Files in Bulk Using Complex RulesHave you really taken a look at the way that you name your files? One of the best ways to organize your files is to have a uniform naming convention, but who has the time to rename thousands of files? No one! That's why they invented today's discount software promotion - Batch File Renamer!Batch File Renamer lets you rename files in bulk - adding, removing, inserting, and replacing characters and text, changing extensions, and more. With Batch File Renamer, you'll enjoy a real-time preview of your changes to avoid errors while exercising more than 40 different ways to rename files. Plus, you get the ability to undo past operations thanks to handy saved log files.It's amazing how flexible and powerful Batch File Renamer can be. For example, you can use an external file list in Microsoft Excel to rename your files, or apply multiple renaming rules in a single operation!
Mortgage for second property (Primary Residence)
Added on : Sunday November 04th 2012 12:00:53 PM
Hello All,Firstly, thank you for having such a great forum with wealth of information on saving money!I would like your advise/opinion on this one...10/2011 - Bought 1st home for 115k with conventional mortgage of 104k@4.0% APR - Paid it down to 100k as of now(10/2012)11/2012- Now myself and wife thinking of buying larger house (Primary Residence) in a top class neighborhood in the price range of 280k max with 10% down We can rent the first home at a minimum of $1000 a monthI believe stable jobs (No job is stable in the world!), yearly gross could be 150k for husband+wife.How easy/though is it to get a mortgage for the second home (Primary Residence) now as we bough our 1st home just over a year ago. We want to expand the family, have a larger home and live in a top class neighborhood with great schools.Want to buy one now as we are seeing the prices are going up already here..Always thank You for the inputs!CognosCube
http://www.newegg.com/Product/Product.aspx?Item=N82E16889262163DESCRIPTIONBring that intense 3D movie experience home with VIZIOs 32 Theater 3D LCD HDTV. Winner of Popular Sciences Best of Whats New 2011, Theater 3D is advanced, flicker-free 3D thats better and brighter than conventional 3D. With two free pairs of battery-free 3D glasses, this HDTV puts next-generation 3D well within reach.
Its 1080p Full HD resolution and 200,000 to 1 Dynamic Contrast Ratio it renders both 2D and 3D with amazing clarity, color and contrast. This Smart TV also includes VIZIO Internet Apps and built-in 802.11n WiFi, giving you instant access to on-demand movies, TV shows, social networking, music, photos and more.
KEY FEATURES AND BENEFITS
Theater 3D - Crystal clear, brighter, flicker-free 3D
VIZIO Internet Apps with built-in WiFi
Includes 2 pairs of VIZIO 3D glasses
1080p Full HD resolution
200,000 to 1 Dynamic Contrast Ratio
SRS StudioSound HD audio
USB multimedia photos and music
Three HDMI ports
Ambient Light Sensing technology
Meets ENERGY STAR 5.3 guidelines
Newegg Coupons
http://www.woot.com/offers/panasonic-12-1mp-digital-camera-16Plus $5 shippingWi-Fi Connectivity (802.11 b/g/n) for easy, instant communication by image sharing
Bright, High Quality F2.5 LEICA DC VARIO-SUMMARIT Lens with 24mm Ultra Wide-Angle and 5x Optical Zoom
Advanced Signal Processing System with 12.1-megapixel Hi-Speed CCD High Speed 2-channel Output and High Performance Venus Engine
The 3.0-inch Smart Touch Screen for intuitive touch-control shooting and additional fun
The iA (Intelligent Auto) mode lets users leave everything to the camera to take beautiful photo and video
Other exciting features for more fun photography
- 3D Photo Mode: produces a realistic, less-distorted 3D image in the camera
Take 20 panning shots and the camera automatically selects two most suitable images one for the right eye and one for the left eye to synthesize a 3D composite. The 3D image can be viewed on VIERA 3D HDTV. The format of 3D image is compatible with MPO which can be played back on other MPO-compatible equipment such as TV, Digital Photo Frame or Printing
- LUMIX Image Uploader: a convenient way of sharing photos or videos
Checkmark the photos you want to share in the camera and connect the camera to a PC. You can choose to send it immediately on the spot or later. Uploading automatically starts just by following the guidance. Facebook can be used for photos and YouTube for movies. Users can join these social networking services without installation of special software. It is easy to share photos and videos on the spot, which means that your friends do not have to wait for you to come back home. Users can also utilize conventional LUMIX Image Uploader to send images for Wi-Fi connection
- 28 Scene Modes: such as popular Baby or Pet, sets most appropriate parameter in wide-ranging situations
woot! Coupons
LAS VEGAS TIPS, INFORMATION, AND EVERYTHING ELSE
Added on : Thursday October 25th 2012 06:01:22 PM
Got this from Flyertalk, think it'll be useful here.Hotel Promo Codes
http://www.mycheapvegas.com
Tip #1: Most hotel reservations are 100% refundable as long as you refund 48-72 hours prior to arrival. Book the cheapest you can find and rebook if needed.
Tip #2: Some promos give you stuff like resort credits, dining credits, free buffets etc. Most of them require a 2 night min stay. If you are staying 4 nights or longer, you can max this out by booking 2 separate reservations under different names to get twice the bonus. You can combine reservations when you check in.

Hotwire (hotels unknown until you book but can usually be identified)
http://www.betterbidding.com/index.php?showforum=114
http://www.mycheapvegas.com/hotwire_hotel_identifier/

Priceline (you bid for hotels, and unknown until bid is accepted, can narrow down choices to zones)
http://www.betterbidding.com/index.php?showforum=115&
http://biddingfortravel.yuku.com/forums/63/Nevada-Las-VegasAirfare
http://matrix.itasoftware.com/
http://www.kayak.com/
Additionally, there are a few discount airlines not on these comparison websites. Pls let me know if I'm missing something so I can add it.
http://www.allegiantair.com
http://www.southwest.com
http://www.spirit.com
http://www.jetblue.com
http://www.mycheapvegas.com/flight-hotel-packages/ - guide you should read before you book
$20 Trick - Free Hotel Upgrade
http://www.fullofdeals.com/forums/travel-discussion/529706/
For those who don't know what this is, basically a bribe to get a free upgrade on your room. When you check in, you place a $20 between your id and credit card, or in your passport and casually ask them for an upgrade. If they can do it, they'll accept the money, if they can't, 99% of the time they will return your money. It's better to know what you want. The thread above gives more details and successes.

Discount Show Tickets
http://www.travelzoo.com/entertainment/las-vegas/
http://www.mycheapvegas.com/shows/
http://www.tix4tonight.com/
Car Rentals (I find Alamo to be cheapest 90% of the time)
http://www.carrentalsavers.com
http://www.fullofdeals.com/forums/travel-discussion/790643/
http://www.costcotravel.com/Rental-Cars (Only for costco members)
http://www.mycheapvegas.com/car-rentals/guides/cheapest-rates/ - guide you should read before you book
Tip: Most car rental companies do not charge you a deposit for reservations and have no cancellation fee. You can cancel and rebook if you find a cheaper rate in the future.
Coupons
http://www.vegas4locals.com/coupons.html
http://www.destinationcoupons.com/nevada/las_vegas/las-vegas-cou...restaurant.com Gift Certificates
http://www.retailmenot.com/view/restaurant.com - for promo codes
Notable Restaurants:
Strip Burger (Usually sells out within first 2 days of the month, and also no discounts)
Hash House a Go Go (Giant delicious-heart-attack-inducing portions)
Mix (The view is amazing)
BB King's Restaurant & Blues Club (For some nice live blues)

Clubs Info and Contacts
http://www.jackcolton.com/

Taxi Fares Rates and Estimated Fees
http://taxi.nv.gov/Rider_Info/Approximate_Fare_Information/

Gambling Odds and Information
http://wizardofodds.com/Poker
http://www.allvegaspoker.com

Maps
http://www.visitlasvegas.com/mapexplorer/

Convention Dates (Check your dates to avoid big conventions)
http://www.vegasmeansbusiness.com/planning-tools/convention-cale...
Conventional Oil Change $17.99 AC @ Sears Auto
Added on : Thursday October 25th 2012 12:00:04 PM
This is a better place to get oil changed than other places. I also got a coupon in valpak that says get $5 coupon to shop at Sears while you wait for oil change.Other coupons at Sears Auto
Sears.com Coupons
Looking for Tips on how to save as Owner/Builder of New Construction.
Added on : Monday October 22nd 2012 12:01:32 PM
I'm looking for suggestions on clever (or even obvious) ways to save as I operate as an owner/builder of my new home.Currently I have a construction loan that automatically rolls into a 29 year conventional loan after construction (I have 12 months to finish building) at a rate of 4.25%. Little money was needed out of pocket since the bank used the owned land as down payment.Now with all the said I have already decided on an all ICF house with only the gables and roof wood framed. I'm also planning on using spray foam insulation for the attic decking. BTW....this is a 3000 sq. ft ranch home in the Pittsburgh,Pa area. The idea is that this should be a very efficient home even though it will require all electric.I'm planning on using the carrier green speed heat pump unless there is a better way (apparently this product has the efficiency of geothermal at a 20% premium to ordinary heat pumps).What I still need to figure out are the following.
- Roof Trusses
- Shingles or Metal roofing
- Cabinetry (kitchen, baths, and butler)
- Windows and Doors
- Stone and Brick veneers (or Stone Veneer with Hardie board)
- Drywall and framing lumber
- Flooring (carpet, tile, wood)
- Water heater (instant on?) Low flow faucets (that don't feel low flow)I've already been to builder auctions and had mixed results (www.pbauctions.com) and also tried my hand at the kraft maid outlet (cheap but so competitive and cut throat almost don't want to go back). As far lumber goes i've been told oc cluss has some of the best prices you will find (but haven't received a quote yet).Obviously I don't want to skim too much on the items that really make a home (certain doors and windows, kitchen/master bedroom cabinets, and even some flooring)Any advice is greatly appreciated.
Tactical LED Wilderness Kit from Phoebus (37% off retail) $62.00 + $9.45 S/Hhttp://www.gearhog.com/Deal Overview
The Wilderness Kit is everything you need in a camping flashlight in one versatile package
. A perfect gift for the outdoors oriented, the Wilderness Kit comes in an attractive gift box for handy storage of components. The entire kit also fits into a soft Cordura pouch (available as an accessory) for backpacking.* The one and only LED Wilderness Kit works as a conventional flashlight using a single CR123 battery or with two AA batteries using the body extender.* Converts to a head lamp with a separate AA battery pack for hands free use* Converts into a lantern for reading or task lighting by screwing into a separate lantern head attachment and tripod .* The body casings and attachments are precision machined from high-strength aircraft aluminum, and feature Type III military grade hard anodizing designed to resist scratching or damage from impact.Features
* Aircraft Grade Aluminum body and parts
* HRC50-60 hard anodizing throughout
* Can be converted for use with one Lithium CR123A or two AA type batteries
* Water resistant
* Head strap with separate battery pack for hands free use
* Heavy duty spring clip for attachment to cap visor or anchor point
* Detachable Lantern Head for soft illumination
* Expandable tripod for Lantern Head positioning
Request for career advice (Update ...)
Added on : Tuesday October 16th 2012 07:00:51 PM
I posted an earlier topic (Request for Career Advice) a few months ago. It's now archived.Recap:
-----
1. Wifey was a stay-at-home mom, looking to get back to work after minding the kids for 6 years. 2. She had a liberal arts background, with an MA in English Literature from a college in India. She was an "Adjunct Professor" there before coming over here. 3. She loves teaching and wanted to be a school teacher. Initially she wanted to be an Elementary teacher (so that she could work in the same school that the kids are goint to go to). That later changed into becoming a math teacher instead. Since Then:
-----------
1. She continued to take math/science courses. She has gathered up about 20 credits already with spring and summar courses. For the current fall, she has 10 more credits in progress. 2. She has maintained straight A's, including an A+ in a summar course from one of the local state universities that give it. 3. Continued to work as a "Math Tutor" in the local community college. 4. In the course of the last few months, her goal has now changed! She no longer wants to be a school teacher (thank god!!). I credit her class instructors (nearly all of them) and people she works with as a Math Tutor for finally being able to do what I couldn't, which is to help her realize how little respect school-teachers get around here. 5. She met with the academic advisors in nearby universities to see what it will take her to get into any Math related (Math/Stat/CS) MS or BS program. We thought that she may have a chance of getting in given her straight A's, extremely strong recommendations and equally strong test scores (e.g. 116 in TOEFL, 1 point shy of an all-time high).
Data point to note: Undergraduate counsellors, themselves not part of the faculty, were either ignoring ("Please fill this form and we will call you back") her, discouraging her ("Why do you want to switch to Math"), or trying to treat her as a money machine ("Well, we know you have an MA in English, but you still have to do these 14 lib arts courses for a BS since we dont transfer those credits"). OTOH, the graduate counsellors (she spoke with 2 of them), themselves part of the faculty, took far more interest into her unusual background and made exceptions happen. 6. One of the local universities have now accepted her into an MS program in Computer Science. She has to do 52 credits instead of the usual 32 credits in order to make up for the lack of her Computer Science background. She has received the acceptance letter in hand to start the course-work from Spring 2013.

The plan going forward:
-----------------------
1. She plans to pursue the MS part time, continuing the Math courses (e.g. the calculus series and some discrete math stuff after that) at the undergraduate level so that she has a more solid math footing for her CS Graduate course-work.
2. After 1 year of doing MS coursework at this school, she may try to transfer some other school with a higher academic ranking. Given her unconventional background for a CS/Math student, she cant realistically get into any top tier school right away. However, another year of CS coursework will hopefully help her get into the door. There is no harm in at least trying.
3. She is not decided if she wants to do teaching/research or work in the industry. Ideally she'd like to do something that is not too intense, leaving her some time to take care of the kids. Any suggestions on how to improve her chances of transferring into some top tier college (the GATech's and UT-A's of the world) a year down the line? I guess it is too early right now, but any suggestions on how to improve her chances of finding good employment (if she decided to join the industry and not go the academic rout) will be apreciated.
Buying 2nd Home - Q's regarding finance
Added on : Friday October 12th 2012 08:00:49 PM
My wife and I are looking to buy a second home which we'll be living in and renting out the home we currently own.When we purchased the home we live in, prices were low (this was before the market boomed then collapsed) and we put down a sizable chunk of cash down. We've never paid any PMI and have a great rate on our loan. With the prices falling the property is worth about what we owe on it maybe just a little more, which doesn't really change our current situation, but "losing" (for now) that cash down payment sucks. We're concerned of that happening again. It feels like prices have hit bottom, maybe even rebounding slightly (we're in the NorCal Bay Area for reference) so maybe we are being over cautious.The dilemma with the second home is - do we go that route again? The risk for dramatic price drop seems much less these days. We're thinking these are the options...
Option "A" conventional 30 year fixed with 20% down.OrOption "B", just put the minimum down, see how things go for 3-5 years and possibly refi at that point to get rid of the PMI, although the interest rates will probably be higher.OrOption "C", same idea as "B" but go the FHA route to further minimize our DP? Any thoughts/feedback on this would be much appreciated. I haven't done a ton of homework on FHA so if I'm missing something obvious there, please feel free to point it out!
GE Triple Slow Cooker $39.92 walmart.com
Added on : Sunday October 07th 2012 11:00:04 AM
Texthttp://www.walmart.comGE Triple Slow Cooker
$39.92 On Sale Now!
Estimated Shipping: $4.97See The Weekly Ad
Offer valid 10/7/2012 through 10/13/2012
Find it at: Wal-Mart *Available in store Three 2.5 quart removable inserts
Separate temperature controls
Includes lid rests and spoons  Prices, promotions, styles, and availability may vary by store and online.
In stock for: Free store pickup
Want to cook many recipes at the same time? With the GE 3-Crock Slow Cooker Buffet, you can cook three different dishes at a time in 2.5qt crock-pots. This slow cooker comes with well-polished ceramic pots with glass lids that allow you to monitor cooking with ease. Each crock pot has its own adjustable temperature control, thereby allowing you to make varied dishes simultaneously. This versatile electric slow cooker also includes spoons for easy serving. Moreover, three removable stoneware inserts offer more convenience with easy serving and clean-up.This 3 pot slow cooker helps save energy as it consumes 25 percent less energy than conventional cookers. Designed on simple and sleek lines, this stylish slow cooker beautifully blends with your modern kitchen interiors. The GE 3-Crock Slow Cooker Buffet is perfect when you are entertaining guests or are having a big meal with your family.GE 3-Crock Slow Cooker Buffet:Includes three 2.5 quart removable inserts
Each crock is controlled by separate adjustable temperature control
GE Slow Cooker Buffet set includes lid rests and spoons for easy serving
This GE 3-Crock Slow Cooker uses 25% less energy than traditional slow cookers
Perfect for entertaining or a family style mealBattery Type: Does Not Contain a Battery  Multi Pack Indicator: No  Model No.:898680 Shipping Weight (in pounds):27.6  Product in Inches (L x W x H):26.42 x 12.32 x 9.13  WalMart No.:001442622Wal-Mart
http://www.walmart.com
Walmart Coupons
http://www.shootersplus.com/inc/sdetail/glock_19_9mm_handgun___1...Details:
The GLOCK 19 is ideal for a more versatile role because of its reduced dimensions when compared to the standard sized option. Chambered in 9x19, it has found worldwide acclaim with both private and public security agencies. In addition to being used as a conventional service pistol, it is ideal for concealed carry or as a backup weapon.Glock 17
http://www.shootersplus.com/inc/sdetail/glock_17_9mm_handgun___1...Glock 26
http://www.shootersplus.com/inc/sdetail/glock_26_9mm_handgun___1...
GUNS, Glock 19 15rd 9mm Handgun - $478 w/ Free Shipping @ shootersplus
Added on : Wednesday October 03rd 2012 02:00:03 AM
http://www.shootersplus.com/inc/sdetail/glock_19_9mm_handgun___1...Details:
The GLOCK 19 is ideal for a more versatile role because of its reduced dimensions when compared to the standard sized option. Chambered in 9x19, it has found worldwide acclaim with both private and public security agencies. In addition to being used as a conventional service pistol, it is ideal for concealed carry or as a backup weapon.
Cuisinart CPC-600 6-Quart, 1000-Watt Electric Pressure Cooker $75 FS
Added on : Sunday September 30th 2012 05:00:03 PM
LINKThe Cuisinart CPC-600 6-Quart, 1000-Watt Electric Pressure Cooker
Cuisinart updates a classic! Our brushed stainless pressure cooker is safe, easy to use, cooks up to 70% faster than conventional methods and cooks healthier, too. Steam trapped in the pot builds up pressure that creates hotter temperatures, and the pot is so tightly sealed that vitamins and minerals can't boil away. Foods stay moist and flavors stay true. Features variable pressure and temperature settings, plus Browning, Simmering and Saut functions for perfect roasts, stews, vegetables, cheesecake or custard. The Cuisinart Pressure Cooker is absolutely safe, with a lid that has to be locked in place before pressure builds, and stays locked until pressure is released. Cook faster, eat healthier, with Cuisinart!
Buy.com Coupons
Orvis.com 300 items added to their sale plus an extra 20% off
Added on : Tuesday September 25th 2012 01:00:04 AM
Orvis.com 300 items added to their sale plus an extra 20% off Text
http://www.orvis.com
Convention Shorts
$89.00 Sale: $19.00
Tea-Stained Madras Short-Sleeved Shirt
$59.00 Sale: $29.00
Orvis Coupons
Refi underwater conventional mortgage question
Added on : Friday September 14th 2012 12:00:53 PM
I currently have a conventional mortgage with BoA at 6.25%. I have tried refinancing under the AG program but they keep brushing me off. They say they have a list and are going down it and they will eventually get to me. About two months ago I tried refinancing with Quicken Loans but since mine is a conventional that is underwater, they couldn't do it. Does anyone know who can refi my loan? I've seen things about HARP 3.0, but not sure if that ever passed. Any information would be appreciated.
Advice re Small Home Loan
Added on : Monday September 10th 2012 04:00:48 PM
I am purchasing a home for cash. The closing date is near and I am short $3000. The reason for this is because my roommate promised to contribute $5000 and now doesn't have the money. I am worried (to say the least) because I am obligated to purchase the home and will forfeit my deposit. My previous home was foreclosed and I am unable to get any type of conventional loan. My previous good credit is also down the tube because of the foreclosure. I am at a loss as to what to do. Borrowing from family is out and I have too much pride to borrow from a friend (if they had the extra money to loan). Any suggestions?
11 inch Bladeless Fan (Like Dyson) $16.99 F/S
Added on : Thursday September 06th 2012 02:00:03 AM
LinkProduct Description:Stay cool in style with the robot inspired bladeless fan by TG. The Robo is a great desktop companion on or off. Enjoy the nearly silent bladeless cooling technology in addition to color changing lights while you work or play.Features Include: Portable electric table desk fan
Color changing light (red, blue, green, purple)
USB Powered (37 inch USB Cable Included)
Can be easily placed onto desk or office table
Safe: Without blades exposed no possibility to hurt people and pets by blade cutting
Smooth air: The bladeless fan uses an airfoil-shaped ramp to amplify the airflow to create a cool blast of smooth air without the unpleasant buffeting caused by spinning blades
Easy to clean: Simple bladeless design, very easy to clean
Energy-saving: consumes half the energy of a conventional fan
Dimensions: 5 x 6.375 x 11.5 inches
eBay Coupons
I thought this was a pretty great damn deal..... <http://www.woot.com/offers/lg-47-1080p-led-hdtv-1>LGs LED technology provides a slim profile and delivers amazing brightness, clarity and color detail, as well as greater energy efficiency compared to conventional LCD TVs
With almost double the pixel resolution, Full HD 1080p gives you superior picture quality over standard HDTV. Youll see details and colors like never before
TruMotion 120Hz technology lets you see sports, video games and high-speed action with virtually no motion blur
100,000:1 Dynamic Contrast Ratio delivers deeper blacks and brighter whites through contrast and dimensions
Fast response time of 6ms generates clear motion scenesSpecifications: 
Class: 47"
Viewable:46.9"
Tuner: NTSC/ATSC/QAM
Resolution:1920 x 1080
Signal Compatibility: 1080p, 1080i, 720p, 480p, 480i
Dynamic Contrast Ratio:100,000:1
Response Time:6ms
TruMotion:120Hz
Rear Input/Output:
HDMI:2
RF In:1
Component:1
Composite:1
VGA:1
PC Audio In:1
Analog Audio Out:1
Digital Audio Out:1Side Inputs:
USB 2.0:1
HDMI:1Additional Features:
Panel Type:LED Backlit
Child Lock:Yes
Swivel:20
Speakers: Built-in 10W x 2 Speakers
Dolby Digital Decoder:Yes
Voltage Range: 100V ~ 240V at 50/60Hz
Standby Mode: <0.1W
ENERY STAR Qualified: Yes
VESA Wall Mount Pattern: 400 x 400mmDimensions:
With Stand:43.6"(W) x 29.5"(H) x 9"(D)
Without Stand: 43.6"(W) x 27.2"(H) x 1.8"(D)Weight:
With Stand:38.9 lbs
Without Stand:35.6 lbsIn the box:
LG 1080p 120Hz LED HDTV
Stand with Hardware Screws
Remote Control
Free Listing Haunted Houses, Attractions & Halloween Displays USA & CANADA.
50-state directory of Halloween Haunted Houses & Haunted Attractions Including CANADA. Locate a Halloween haunted house, corn mazes, haunted hayrides and other scary entertainment.
GO TO WEBSITE AND CLICK ON YOUR STATE, CANADA LISTINGS ARE NEAR BOTTOM.
http://main.hauntedhouse.com/search/Haunted_Attraction_Directory...-----OTHER HALLOWEEN CATAGORIES:
* Movies
* Safety
* Decorations, Costumes, masks, movie displays, special effects.
* Halloween Conventions & Tradeshows
* Learn more about the exciting world of Haunting.
* Education links, haunt directories, improve your haunting skills.
* Halloween & Horror Webmasters
* Freebies, downloads and free stuff too.
* Halloween Party Ideas
* Halloween History
* Halloween Games & Triviahttp://www.hauntedhouse.com/halloween/
LG Marquee LS855 via EBay seller $112.95 refurbished - Free Shipping!
Added on : Friday August 31st 2012 09:00:12 AM
LG Marquee LS855 Boost Android WiFi 5.0 MP Rear 2.0 MP Front Camera Cell Phone Refurbished $112.95Click Here!
Service Provider : Boost.
Model : LG LS855 Marquee Boost. (Black)
Features : Released for Sprint, the LG Marquee Mobile, launched in partnership with non-profit design collective MADE, combines technology and fashion for a chic device and carrying cases. The Marquee runs on Android 2.3 and features hotspot capabilities -- supporting up to five Wi-Fi devices. The device also comes with dual-cameras -- a 5.0-megapixel rear-facing one and a 2.0-megapixel front-facing lens for video chatting. Additional features include a 1-gigahertz chip and Adobe Flash to watch videos smoothly.
Large 4.0-inch Nova display for longer battery life and reduced power consumption compared to conventional LCDs.
Maximum screen clarity even in direct sunlight with auto-brightness.
Android content, including apps, widgets, ringtones and wallpapers, all at once.
Access to Facebook and Twitter.
Wi-Fi 802.11 b/g/n with hotspot support to connect up to five Wi-Fi-enabled devices to share 3G.
Wireless Band : CDMA 800 / 850 / 1900.
Weight : 3.95 oz.
Size : 4.8" x 2.52" x 0.36".
Form Factor : Block.
Battery :
Talk: 5.5 hours max.
1500 mAh LiIon.
Display : Type: LCD (Color TFT/TFD) Resolution: 480 x 800 pixels 4" diagonal Colors: 16.7 million (24-bit) LG NOVA.
Platform / OS : Android version 2.3.
Memory :
1.3 GB internal storage.
Processor : 1 GHz TI OMAP 3630 (ARM Cortex A8).
GPS : Type: A-GPS LBS.
Bluetooth : Supported Profiles: HSP 1.2, HFP 1.5, OPP, FTP, PBA, DUN, A2DP 1.2, AVRC 1.3, MAP version 3.0.
Wi-Fi : Version(s): 802.11 b,g,n.
Browser : Browser Software: Android browser (WebKit-based).
Navigation : Touch Screen.
Camera : Resolution: 5+ megapixel.
Video : Front-Facing Camera: Resolution: 2 megapixel Streaming Video: Yes Resolution: 720p HD.
Audio :
Headphone Jack (3.5mm): Yes.
Music Player :Yes.
Messaging :
Email Client: Yes.
Text: SMS, EMS, MMS.
MSRP : $499.95.
Listing designed by BidAllies Web Team 2011 All Rights Reserved
eBay Coupons
LG Marquee LS855 Boost Android WiFi 5.0 MP Rear 2.0 MP Front Camera Cell Phone Refurbished $112.95Click Here!Service Provider : Boost.
Model : LG LS855 Marquee Boost. (Black)
Features : Released for Sprint, the LG Marquee Mobile, launched in partnership with non-profit design collective MADE, combines technology and fashion for a chic device and carrying cases. The Marquee runs on Android 2.3 and features hotspot capabilities -- supporting up to five Wi-Fi devices. The device also comes with dual-cameras -- a 5.0-megapixel rear-facing one and a 2.0-megapixel front-facing lens for video chatting. Additional features include a 1-gigahertz chip and Adobe Flash to watch videos smoothly.
Large 4.0-inch Nova display for longer battery life and reduced power consumption compared to conventional LCDs.
Maximum screen clarity even in direct sunlight with auto-brightness.
Android content, including apps, widgets, ringtones and wallpapers, all at once.
Access to Facebook and Twitter.
Wi-Fi 802.11 b/g/n with hotspot support to connect up to five Wi-Fi-enabled devices to share 3G.
Wireless Band : CDMA 800 / 850 / 1900.
Weight : 3.95 oz.
Size : 4.8" x 2.52" x 0.36".
Form Factor : Block.
Battery :
Talk: 5.5 hours max.
1500 mAh LiIon.
Display : Type: LCD (Color TFT/TFD) Resolution: 480 x 800 pixels 4" diagonal Colors: 16.7 million (24-bit) LG NOVA.
Platform / OS : Android version 2.3.
Memory :
1.3 GB internal storage.
Processor : 1 GHz TI OMAP 3630 (ARM Cortex A8).
GPS : Type: A-GPS LBS.
Bluetooth : Supported Profiles: HSP 1.2, HFP 1.5, OPP, FTP, PBA, DUN, A2DP 1.2, AVRC 1.3, MAP version 3.0.
Wi-Fi : Version(s): 802.11 b,g,n.
Browser : Browser Software: Android browser (WebKit-based).
Navigation : Touch Screen.
Camera : Resolution: 5+ megapixel.
Video : Front-Facing Camera: Resolution: 2 megapixel Streaming Video: Yes Resolution: 720p HD.
Audio :
Headphone Jack (3.5mm): Yes.
Music Player :Yes.
Messaging :
Email Client: Yes.
Text: SMS, EMS, MMS.
MSRP : $499.95.
eBay Coupons
http://www.amazon.com/gp/goldboxLG 32LM6200 32-Inch Cinema 3D 1080p 120Hz LED-LCD HDTV with Smart TV and Six Pairs of 3D GlassesProduct Features
Size: 32-Inch
LG's LED technology provides a slim profile and delivers amazing brightness, clarity and color detail, as well as greater energy efficiency compared to conventional LCD TVs.
With LG Cinema 3D technology you can enjoy amazing 3D effects, comfortable lightweight battery free glasses, 2D to 3D content conversion, 3D depth control and a clear picture from virtually any angle.
TruMotion 120Hz technology lets you see sports, video games and high-speed action with virtually no motion blur. Now your TV can keep up with your fast- moving entertainment.
LG's Smart TV is a revolutionary, easy way to access limitless content, thousands of movies, customizable apps, videos and browse the web all set up in a simple to use interface.
The Magic Remote makes selecting features on your TV is as easy as the wave of your hand or using the wheel to scroll up and down through menu selections. TV remote clicking is soon to be a thing of the past.
Amazon Coupons
Is proof of income required to purchase commercial RE?
Added on : Thursday August 30th 2012 12:00:53 PM
If one has the suitable downpayment 20-30%, does one need to show proof of income/employment as one does to get a residential conventional loan?Is there a difference if the current RE property is vacant? TIA.
start 8/30 extra 5% off prices with Sears CARD
DELIVERY CHARGE MAY APPLY
IF NOT YET LIVE will be on 8/3010% shop discover0% one year finance with Sears CHARGE over $499 www.sears.com/appliancedealsSears Gas Range with Storage Drawer
$439.99 (reg $640) sku 02272309*******************************************************Kenmore Electric Range flush surface/hidden bake element $599.99 two 9/two 6in burners
sku 02292302 (reg $859)**********************************************************************Kenmore GAS Range with Middle Grill Burner/warming drawer and self clean convention design
$899.99 (reg 1200) sku 02272902***************************************************************************************************Maytag Innovative AquaLife Self Clean Electric/energy saving design $765 (after 10% savings bonus on this model) sku 02261573*******************************************************************************************************************************
Sears.com Coupons
Unconventional leadership is the solution because it leads to creativity, flexibility and risk-taking. These three components are essential to innovation and winning in today's global and hyper-competitive environment. The book provides ideas about how to lead and build an unconventional company that beats the competition:
Develop a strategy that builds competitive advantages
Become an unconventional thinker and leader
Craft an unconventional culture
Hire unconventional thinkers who can motivate themselves
Create an environment that supports creativity
Use humor and honest communication to enhance performance
Embrace change and turn it into a competitive advantage

The ideas in this book are applicable to any company that wants to beat the competition. They have helped thousands of people become better leaders and they can help you too. What are you waiting for? Think Outside the Box so you can Compete Outside the Box
http://www.amazon.com/Compete-Outside-Box-Unconventional-ebook/d...
Amazon Coupons
Unconventional leadership is the solution because it leads to creativity, flexibility and risk-taking. These three components are essential to innovation and winning in today's global and hyper-competitive environment. The book provides ideas about how to lead and build an unconventional company that beats the competition:
Develop a strategy that builds competitive advantages
Become an unconventional thinker and leader
Craft an unconventional culture
Hire unconventional thinkers who can motivate themselves
Create an environment that supports creativity
Use humor and honest communication to enhance performance
Embrace change and turn it into a competitive advantage

The ideas in this book are applicable to any company that wants to beat the competition. They have helped thousands of people become better leaders and they can help you too. What are you waiting for? Think Outside the Box so you can Compete Outside the Box
http://www.amazon.com/Compete-Outside-Box-Unconventional-ebook/d...
USB-Powered 11-inch White Bladeless Cooling Fan $16.97 + Shipping: $5 .yugster.comPortable electric fan
USB Powered
Can be easily placed onto desk or office table
Safe: Without exposed blades - no possibility to hurt people and pets by blade cutting
Smooth air flow
Easy to clean: Simple bladeless design
Energy-saving: consumes half the energy of a conventional fan
30-Day Yugster Warranty
What's In The Box?USB 11-inch White Bladeless Cooling Fan
Specifications:Dimensions: 6.8 x 5.1 x 10.7 inches
Cord length: 37 inches
Color: whitehttp://www.yugster.com/todays-deals/yours-until-gone
Free audio-book: Rupert Murdoch, Chairman and CEO, News Corporation
Added on : Friday August 24th 2012 04:00:32 AM
Audio-book from Audible thru Amazon.Use thisLink, then click on Get this Book from Audible.com button on right.News Corporation Chairman and CEO Rupert Murdoch speaks at the American Society of Newspaper Editors convention in Washington, D.C. Murdoch focuses on the challenges facing newspapers in a digital age. Says Murdoch, "We need to realize that the next generation of people accessing news and information, whether from newspapers or any other source, have a different set of expectations about the kind of news they will get, including when and how they will get it, where they will get it from, and who they will get it from."
Lucy Banning may live on the exclusive Prairie Avenue among Chicago's rich and famous, but her heart lies elsewhere. Expected to marry an up-and-coming banker from a respected family, Lucy fears she will be forced to abandon her charity work--and the classes she is secretly taking at the newly opened University of Chicago. When she meets an unconventional young architect who is working on plans for the upcoming 1893 World's Fair, Lucy imagines a life lived on her own terms. Can she break away from her family's expectations? And will she ever be loved for who she truly is?Readers will love being swept away into a world of mansions, secrets, and romance as they follow Lucy through the streets of the Windy City during one of the most exciting times in the city's history. From opulent upper-class homes to the well-worn rooms of an orphanage, Olivia Newport breathes life and romance into the pages of history--and everyone is invited.http://www.amazon.com/Pursuit-Banning-Avenue-Dreams-ebook/dp/B00...
Amazon Coupons
Scandinavia Full-size Platform Bed $184.99 @overstock.com
Added on : Monday August 20th 2012 02:00:05 AM
link
FEATURES:
Size of bed: Full
Type of bed: Platform
Materials: Mixed Hardwoods
Inner platform dimensions: 13 high x 56 wide x 76 long in inches
Finish: Black, mahogany, medium oak, walnut
Can be used with or without a box spring foundation
Can be used with both conventional & futon queen-size mattresses as well as memory foam mattresses
Sleeps two adults
Fits a standard full-size mattress which is 75 inches long x 54 inches wide
Supports up to 750 pounds of distributed weight
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Bed dimentions: 13 inches high x 56 inches wide x 81 inches deepNumber of boxes: 1
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Home Lender Suggestion - defaulted student loan
Added on : Saturday August 11th 2012 12:00:50 PM
Hello, Trying to help a friend. I was able to get a 3.5% conventional loan from Provident but they seem super strict. Does anyone have any suggestions for them on getting approved for a mortgage loan from a lender with the following conditions: -Looking for about $180k 30 year loan primary residence
-Credit Score 620
-Currently a student loan in default (son's $25k student loan which was co-signed and just found out about. Willing to pay it off for him immediately to get a loan)
-Have about $50k in cash to put down
-Have about $150k in savings but is my emergency fund, etc. so not willing to buy with just cash
-Income is about $70k
-Primary residence/business was just sold, mortgage paid off w/ no history of late payments
-Short sale on file on an investment property in 2008 that initially purchased with 20% down BofA was fine with all of this except for the defaulted loan. The other option would be to wait until this clears up (1 month turn around in credit report??) if paid in full immediately now. Will also pay off the other $10k in revolving debt and keep that clear. The only thing was I already pre-qualified and submitted a purchase offer that was accepted and then BofA said it won't pass underwriting! Need another lender fast or cancel the purchase agreement.Thanks any suggestions for lenders that work with FL would help!
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Meet The Breeds (NY Only)
Added on : Tuesday July 31st 2012 02:00:03 PM
http://www.akc.org/meet_the_breeds/Where:
Jacob K. Javits Convention Center
655 West 34th Street
New York, New York 10001When:
Saturday, October 20, 2012, 10 am - 5 pm
Sunday, October 21, 2012, 10 am - 5 pmPROMO CODE: friend ($2 off)
Roth IRA and/or Tax Advice
Added on : Monday July 30th 2012 04:00:46 PM
Hi FW Finance members,I have been a FW lurker for years and now seeking some advice. Please do not red me for stupidity or similar opinions.About 3 months ago, I cleared out my Roth IRA to help a friend. It was the only option I had left as I had depleted all conventional and creative (at least I think so) means of attaining funds. Several weeks before liquidating, I changed my Regular IRA into Roth IRA. I know that within two months, there are no penalties pending that you transfer same amount to a different brokerage. I will take the tax hit and penalty. However, I was wondering if it was possible to put back the 2 years worth of contributions or no? Anyone have advice on how to proceed?I will also try to consult professional tax advice (from a CPA) when I get a chance. Just seeing if the members here have encountered similar issues or have creative/great ways to proceed and best ways to make use of current tax and IRA laws. I'm sure many heads are better than one Thanks in advance.
FHA Loan Question
Added on : Monday July 30th 2012 11:00:48 AM
Had this posted in flame free, but didn't get an answer...FHA loan question: All the information I could find on Google was a bit dated or wasn't credible looking. How long does one need to maintain mortgage insurance on an FHA loan? A relative is taking one and wanted to do an analysis of some costs. Basically, she doesn't have a long enough stated income history to get a conventional loan but she will in a few months. In the meantime, she is buying a new house. (long story on the situation). Want to see if it would be worth it to refi to a conventional loan in a few months after getting into the house via the FHA. So for my analysis, just need a good reference or knowlege of the rules surrounding the FHA loans w/ regards to PMI.Thanks
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Mortgage advice - First time buyer - immigrant
Added on : Saturday July 21st 2012 03:00:45 AM
Hello All, I'd like some advice on how to use up my excess seller's credit. Here is my situation: My husband and I are purchasing a single family home in Northern Nevada for $300,000 at 5% down conventional loan, and with seller crediting the closing costs to us. After using up most of the credit, we have an excess of $2500 left. Here are our options:We both have credit 750+.1. Ask seller to pay us $2000 cash instead of $2500 credit (this will be our first preference). Is this legal? I was told it may not be legal to exchange cash/check at the closing table.
2. Buy down PMI interest rate. This will reduce our monthly PMI payment by $50.
3. Pay seller's credit balance towards upfront PMI AND pay another $4000 cash from our pocket to completely eliminate PMI. This will be a difference of $160 a month.
4. Buy down PMI interest rate with available seller credit AND pay $4000 (since we were ready to pay for option 3 above) cash from our pocket towards principal.The reason this decision is proving difficult for us is because we do not plan to live in this house for more than 3-4 years, after which we want to sell the house and move out of Nevada. What I am trying to understand is whether it would make more sense to spend that extra money to buy out PMI (upfront) (considering it would almost be a waste because we may not even reach the 20% equity within that time) or pay towards the principal (hence building equity). My husband and I are on temporary visa and if our permanent residency comes through we will continue to stay here.We are open to staying in Nevada after 3-4 years if our job situation, immigration etc remains favorable.Thanks
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FHA or Conventional?
Added on : Tuesday July 10th 2012 02:00:42 AM
LONG time lurker (6-7 years at least) and never had a reason to post til now. For the record, thank you to everyone who has contributed to this site, I owe a big thanks for much accumulated knowledge. Now onto my question.Our (awesome wife, 2 awesome kids and oh, me, well the dog too) new house will be ready in about a month and a half and we are super excited. I spoke to my mortgage guy today just for an update and found out that FHA is at 3 3/8 and conventional is at 3 3/4, both 30 year loans. They offer a free 90 day lock so I should make a decision soon. We have the ability to go either route, though I know FHA has an increased PMI, I "think" it would be the best choice for the long haul due to the lower interest rate. Am I correct? The math alludes me on this one. Getting to the magical 20% of equity to get rid of PMI is pretty easy although they have a minimum of 5 years, no matter what equity you have. For some added facts, the house price is $330k. According to other appraisals in the development and how we configured the home, the home will appraise at $370k. My personal plan is to have the home paid within 15 years but reality tells me to calm my ambitions and plan for the long haul in case life throws an unexpected curve. I'll skip the intricacies of other "life" facts but will say that we are exiting an existing home with enough equity to cover going conventional on the new home. We are 40-42 with respectable middle class income, secure jobs, 401k's, TAP529 for the kids and our other debt is minimal (a vehicle loan). Thanks for listening to my meandering thoughts, I hope I am not too hard to follow. Any and all advice will be appreciated. troutspinner
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CES 2013 Registration! Currently Free!
Added on : Monday July 09th 2012 04:00:03 PM
The Consumer Electronic Expo registration window just opened.January 8-11, 2012 (Tues-Fri)
Las Vegas Convention Center, NevadaYou can get a free pass until August 31, 2012.This is the biggest expo for consumer electronics and showcases the latest and greatest from hundreds of the leading companies in the world. Link"Exhibits Plus Pass
The fee structure for admission to all exhibits, TechZones, SuperSessions, keynote addresses and select conference sessions has changed. Please take note of these important dates:
By August 31, 2012 at 11:59 p.m. EST FREE
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January 2, 2013 at 5:01 p.m. EST through January 11, 2013$200.00"
1st time home buyer seeking advice on GFE
Added on : Friday July 06th 2012 11:00:52 AM
First-Time Buyers
Initial Loan amount is: $459,328
Conventional 30-yr loan (for a new construction in MD) with 20% down at a quoted rate of 3.750%Note: The quoted rate is before the recent drop. The home will be ready for settlement in November (so here's hoping for the rate to drop further).A) Adjusted Origination Charges: $5,450.23
-The credit or charge for the interest rate of 3.750% is included in "Our origination charge."
-No credit or charge (points) for this interest rate. B) Your Charges for All Other Settlement Services: $23,819.441. Required services that we select (These charges are for services we require to complete your settlement. We will choose the providers of these services)
-Appraisal Fee: $425.00
-Tax Service Contract: $58.00
-Credit Report Fee: $62.50
-Flood Certification Fee: $15.00
-Final Inspection Fee: $150.00 2. Title services and lender's title insurance: $2,307.613. Owner's title insurance: $1,400.084. Required services that you can shop for
-Survey: $110.005. Government recording charges: $120.006. Transfer taxes (These charges are for state and local fees on mortgages and home sales): $13,062.407. Initial Deposit for Escrow Account (Property Taxes and all insurance): $4,043.158. Daily interest charges ($47.19/day for 30 days, if settlement is 11/01/2012): $1,415.709. Homeowner's Insurance (Hazard Premium): $650.00
$29,269.67 sounds beyond ridiculous for closing though the lender is paying $20,000 of it. However, that still leaves $9,269.67! Are there anything especially outrageous or do most of the charges fall in line with the norm for Maryland? How much would the transfer tax decrease since we're 1st time buyer (the person doing the GFE had not included this fact in his calculation).
Simmons Beautyrest Black, at macy's upto $300.00 Visa card (MIR)
Added on : Tuesday July 03rd 2012 10:00:07 AM
Hello All,I just bought a Simmons Beautyrest Black 'Rita' (they call it premium line in simmons). The king size costed $2401.00 including tax. They have a $300.00 off (visa card) via mail in rebate going on(which is not stated anywhere on their website), ends on July 8th. Second mail in rebate form gives you a free bed sheet.I compared the prices to many other online resellers, they claim a different name is given to their "exactly same" mattress as Macys's has the exclusivity to those naming conventions. May be a better price can be found online less by a couple hundred buck, but the visa promotion is matching up and a peace of mind/warranty/return policy with Macy's made me chose Macy's.If you already have a Macy's card, its a lot easier to get 12 month payment option. You can still apply for a Macys's card to be eligible for this financing option.Thought this info could be of use to someone out there.Happy sleeping...
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Added on : Monday July 02nd 2012 05:01:16 PM
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This full color vacation certificate will be imprinted with your business name for you to give to your customers to increase leads and create sales.
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This offer does not involve any timeshare presentations. We simply introduce people to our hotels for just the cost of the room tax on their first visit. We offer them the opportunity to return as many times as they wish in the future at a discounted rate by booking through our travel agent. Not valid for group travel or conventions. Must be 21 or older.
Are there any restrictions for the 3 Day/2 Night Hotel Certificates?
Yes. You must be 21 years of age or older. Reservations must be made 60 days in advance. Dates near conventions and major holidays are usually blacked out and unavailable for this special offer. Holidays, weekends, and travel within 60 days require a surcharge. Check-in days are Monday through Wednesday. This offer is not valid for conventions or group travel and may not be used back-to-back. Only 1 certificate may be used per family, per city in any 12 month period. Casino offer book may only be used by non-residents of Nevada.

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The hotels you will be staying in are constantly changing and depend on the date, destination, and availability. Hotels used are rated AAA or better. You select the travel dates and our travel provider will select the hotel that has occupancy during those dates. We guarantee that you will be satisfied with your accommodations or your registration fee will be refunded.

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You will receive back a reservation form for the city of your choice. For instance, if you select Las Vegas, you will receive a reservation form for Las Vegas. You simply fill out the reservation form with your dates and mail it to the travel provider's reservation office. If you follow the simple terms and conditions and select dates 60 days in advance and not the week of a holiday, you will be confirmed.

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Room taxes are between $5-$12 per night depending on the city you choose (based on local room tax rates).

How many people is this trip for?
These certificates are for 2 people.

When do these certificates expire?
Reservations must be taken within one year.

Do these certificates include airfare?
No. Transportation, meals, and room taxes are not included. You are NOT required to purchase airfare from us or any specific agency.

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We simply introduce you to hotels for just the cost of the room tax on their first visit. If you enjoy your visit, it is most likely that you will return. There are absolutely NO timeshare or sales presentations involved.
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Free Pass to Georgia Dive Show 11/30 and 12/1($16 value)
Added on : Thursday June 28th 2012 10:00:05 AM
Received an email about free admission to the Georgia Dive Show, 11/30 and 12/1 at the Georgia International Convention Center. This is a consumer trade show for Scuba Diving related items. I attended one a few years ago and was able to pick up the normal amount of 'shwag' and check out some cool items not carried at my LDS (local dive shop).Site: http://usdiveshows.com/ga/
Not a lot of info posted currently.Direct Link to registration: https://www.secure-register.net/register.php?event=12300
It loads a window for you to go ahead and print your pass, so you can use a "dummy" email and avoid any unwanted email.
Posted on SDAutoZone -- same rebate from last month, order online and pick up in-storeValvoline NextGen $2.99/qt x 5 = $14.95 plus $20 AZ GC by mail
Valvoline NextGen MaxLife $3.49/qt x 5 = $17.45 plus $20 AZ GC by mailLimit 2 x $20 AZ GCsRebate (use either one)
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Louis C.K. Tour - All Tickets $45 (Tax Included)
Added on : Tuesday June 26th 2012 11:00:05 AM
Buy TicketsLouis C.K. said: hello folks!
I'm going on tour this year from October through Feb. I'll be all over the goddamn place.
This year, I'm trying something new, building on the fun, success and fan-benifit of selling my content online.
We are selling tickets to this tour exclusively here on louisck.com. I only wanted to do this if there was a way, like with LIVE AT THE BEACON, that it could bring the price of tickets down and make them easier and less complicated to buy. We figured out a way.
Making my shows affordable has always been my goal but two thing shave always worked against that.
High ticket charges and ticket re-sellers marking up the prices. Some ticketing services charge more than 40% over the ticket price and, ironically, the lower I've made my ticket prices, the more scalpers have bought them up, so the more fans have paid for a lot of my tickets.
By selling the tickets exclusively on my site, I've cut the ticket charges way down and absorbed them into the ticket price.To buy a ticket, you join NOTHING. Just use your credit card and buy the damn thing. opt in to the email list if you want, and you'll only get emails from me.
Also, you'll see that if you try to sell the ticket anywhere for anything above the original price, we have the right to cancel your ticket (and refund your money). this is something I intend to enforce. There are some other rules you may find annoying but they are meant to prevent someone who has no intention of seeing the show from buying the ticket and just flipping it for twice the price from a thousand miles away.
Some of these rules may be a pain in your ass, but please be patient. My goal here is that people coming to see my shows are able to pay a fair price and that they be paying just for a ticket. Not also paying an exhorbanant fee for the privalege of buying a ticket.Tickets across the board, everywhere, are 45 dollars. That's what you'll actually pay. In every case, that will be less than anyone has actually paid to see me (after ticket charges) in about two years and in most cases it's about half of what you paid last year.
The benifit for me is that I won't get angry emails from anyone who paid a ton of money to see me due to circumstances out of my control. That makes me VERY happy. The 45 dollars also includes sales tax, which I'm paying for you. So I'm making more or less depending on the state.
Another benifit to me is also one to you. I get your email address (if you opt in) when you opt in. You don't have to join ANYTHING to buy these tickets and if you opt in, youll only hear from me once in an old man's jizz-cycle.Obviously none of this means anything if the shows aren't good.So that's up to me. As I do every year, I'll be performing a brand new hour (or more) on all of these shows.
Lastly, it was a real challenge to find venues around the country that could work with our exclusive ticketing service under these perameters. It means I'm playing in very new places. I really appreciate all of these theaters that are letting us give this atry.Setting up this tour has been fascinating and difficult. this ticketing service is a brand new thing and I really farking hope it works and that there aren't any problems. If anything comes up, please be patient.
Doing things this way means I"m making less than I would have made if I did a standard tour, using the usual very excellent butexpensive ticketing service. In some cities I've had to play smaller venues and do more shows. But I like doing more shows and about a year ago I reached a place where I realized I am making enough money doing comedy so the next thing that interested me is bringing your price down. Either way, I stillmake a whole lot more than my grandfather who taught math and raised chickens in Michigan.
alright, that's it, folks. I'll be sending this message out to folks on the opt-in list and sending a separate email that lays it out much more simply with the proper links. I am doing this because when I emailed you about LIVE AT CARNEGIE HALL, (which is still on sale for 5 dollars!) about half of the people who got the email really enjoyed the long, verbose, unedited message.The other half HATED it and would have preffered a price, a link,and me shutting the fark up.This way, you can read this if you like, or your can just see the massive shit-ball of text and throw it in the garbage, and focus on the simple email.I hope to see you all on the road.
regards,Louis C.K.Dates:
Oct 3rd, 2012 Severance Hall Cleveland, OH
Oct 4th, 2012 Minneapolis Convention Center Minneapolis, MN
Oct 5th, 2012 Minneapolis Convention Center Minneapolis, MN
Oct 6th, 2012 Fox Theatre St. Louis, MO
Oct 10th, 2012 Riverside Theater Milwaukee, WI
Oct 11th, 2012 Riverside Theater Milwaukee, WI
Oct 12th, 2012 The Masonic Temple Detroit, MI
Oct 17th, 2012 Johnny Mercer Theatre @ Savannah Civic Center Savannah, GA
Oct 18th, 2012 The Brady Theater Tulsa, OK
Oct 19th, 2012 Jesse H. Jones Hall for the Performing Arts Houston, TX
Oct 20th, 2012 Majestic Theatre Dallas, TX
Oct 24th, 2012 New York City Center New York, NY
Oct 25th, 2012 New York City Center New York, NY
Oct 26th, 2012 New York City Center New York, NY
Oct 27th, 2012 New York City Center New York, NY
Oct 28th, 2012 New York City Center New York, NY
Nov 7th, 2012 Merrill Auditorium Portland, ME
Nov 8th, 2012 Bushnell Center for the Arts Hartford, CT
Nov 9th, 2012 Chicago Symphony Center Chicago, IL
Nov 14th, 2012 Davies Symphony Hall San Francisco, CA
Nov 15th, 2012 Davies Symphony Hall San Francisco, CA
Nov 16th, 2012 Chicago Symphony Center Chicago, IL
Nov 28th, 2012 Broward Center for the Performing Arts Fort Lauderdale, FL
Nov 29th, 2012 David A. Straz, Jr. Center for the Performing Arts Tampa, FL
Nov 30th, 2012 The Classic Center Athens, GA
Dec 13th, 2012 Austin City Limits Live Austin, TX
Dec 14th, 2012 Austin City Limits Live Austin, TX
Dec 15th, 2012 Wells Fargo Theatre @ The Colorado Convention Center Denver, CO
Dec 20th, 2012 Paramount Theater Seattle, WA
Dec 21st, 2012 Paramount Theater Seattle, WA
Dec 22nd, 2012 Celebrity Theatre Phoenix, AZ
Dec 31st, 2012 Joseph Meyerhoff Symphony Hall Baltimore, MD
Jan 3rd, 2013 Boston Symphony Hall Boston, MA
Jan 4th, 2013 Boston Symphony Hall Boston, MA
Jan 5th, 2013 Boston Symphony Hall Boston, MA
Feb 1st, 2013 The John F. Kennedy Center For The Performing Arts NW Washington, DC
Sears $12.99 Oil Change thru 7/31/12 AC ($5 instant coupon) Sears
Added on : Wednesday June 20th 2012 10:00:14 PM
Came in ValPak yesterday.
Conventional Oil Change $17.99 or $12 off synthetic / high mileage oil change.
Plus $3 shop fee in most states.The $5 coupon is valid instantly at Sears while you wait.
Sears.com Coupons
Sears $12.99 Oil Change thru 7/31/12 AC $5 (instant coupon) Sears
Added on : Wednesday June 20th 2012 11:00:12 AM
Came in ValPak yesterday.
Conventional Oil Change $17.99 or $12 off synthetic / high mileage oil change.
Plus $3 shop fee in most states.The $5 coupon is valid instantly at Sears while you wait.
Sears.com Coupons
Samsung Story Station 2 TB USB 2.0 External hard drive $90 @ Newegg AC
Added on : Wednesday June 20th 2012 12:00:03 AM
Go here,
Then apply coupon EMCNDJA49The deal is mostly for the Samsung EcoGreen drive inside, the enclosure looks a bit "unconventional". Some say the enclosure may fail in the future, while drive remains OK. (Is there some firmware update needed?)
Also, power cord is European, but a free adapter is included. Power supply takes both 120 and 220 V anyway.
Newegg Coupons
http://www.kygunco.com/products2.cfm/id/44236/name/kahr-arms-cm9...Description:
Kahr Arms CM9 DAO Stainless Steel Pistol 9MM 3 Barrel 6 Round. Operation: Trigger cocking DAO; lock breech; "Browning - type" recoil lug; passive striker block; no magazine disconnect
Comes with 1 - 6rd flush floorplate magazine.
Manufacturer Number CM9093
Type Pistol
Action Double Action Only
Barrel Length 3" Conventional rifling
Overall Length 5.42"
Caliber 9MM
Capacity 6+1
Finish Black polymer frame, matte stainless steel slide
Grips Textured Polymer
Sights Drift Adjustable; White Bar-Dot Combat Sights
Weight 14 oz.Item # KHR-CM9093Thanks Mark
http://www.kygunco.com/products2.cfm/id/44236/name/kahr-arms-cm9...Description:
Kahr Arms CM9 DAO Stainless Steel Pistol 9MM 3 Barrel 6 Round. Operation: Trigger cocking DAO; lock breech; "Browning - type" recoil lug; passive striker block; no magazine disconnect
Comes with 1 - 6rd flush floorplate magazine.
Manufacturer Number CM9093
Type Pistol
Action Double Action Only
Barrel Length 3" Conventional rifling
Overall Length 5.42"
Caliber 9MM
Capacity 6+1
Finish Black polymer frame, matte stainless steel slide
Grips Textured Polymer
Sights Drift Adjustable; White Bar-Dot Combat Sights
Weight 14 oz.Item # KHR-CM9093Thanks Mark
LG 50PA4500 50" Plasma 720P HDTV $499.99 at Sears
Added on : Monday June 04th 2012 09:00:04 AM
Sears has the LG 50PA4500 50" Plasma HDTV in their sales add for $499.99. I picked one up last night.
2 HDMI ports and 720P. I have the older model of this TV from a few years ago and would highly recommend it. Looks perfect for my cable HD TV and my up-converted DVD movies.
Text
From the Sears webpage:Product DescriptionLG 50PA4500 - 50" Class ( 49.9" viewable ) plasma TV - 720p
LG's advanced Triple XD engine brings the high level of excellence in color, clarity and contrast that LG has to offer. Enjoy optimum picture quality and performance with the powerful Triple XD engine. 600 Hz Sub Field Driving allows for a smoother picture during fast paced scenes. This feature is fantastic for sports or action movie enthusiasts. 600 Hz MAX Sub-Field Driving technology gives the TV the ability to display 12 sub-fields per frame under the condition of "maximum" in energy saving mode.
Razor frame
LG's Razor Frame technology reduces the thickness of your TV frame and enhances your viewing experience. The thin bezel allows you to focus more on the picture.
600 Hz MAX Sub-Field Driving
600 Hz Sub Field Driving allows for a smoother picture during fast paced scenes. This feature is fantastic for sports or action movie enthusiasts. 600 Hz MAX Sub-Field Driving technology gives the TV the ability to display 12 sub-fields per frame under the condition of "maximum" in energy saving mode.Specifications & Dimensions
Dimensions:
Depth (in.):11.7 in
Depth with Stand (inches):11-7/10 in.
Height:27-7/10 in.
Height with Stand (inches):29.8
Screen Size (by diagonal measure):50
Width (in.):46.1 in
Width with Stand (inches):46
Width:41 to 50 in.
Enhanced Audio Circuitry:
Sound Equalization:Yes
Product Overview:
3D Ready:No
Depth:2 to 5 in.
General Warranty:2 years warranty
Height (with stand):24 to 28 in.
Item Weight (lbs.):45.4
Number of HDMI Inputs:2
Resolution:720p
Screen Refresh Rate:600Hz
TV Type:Plasma
Type:Plasma
Resolution:Full HD - 720p
Screen Size:43 to 50 in.
Type:Plasma
Energy:
ENERGY STAR Compliant:Yes
General Features:
24p Technology:Yes
Additional Features:
Additional Features:3:2 pull down compensation, 2:2 pull down compensation, Intelligent Sensor, 3:3 pull down compensation, Smart Energy Saving, ISF Calibration Ready, Simplink, Picture Wizard II, Protective Skin Glass, Quick View, Image Sticking Minimization
Smart TV:No
Jacks, IN-OUT:
Audio-Video Inputs Rear:1
Cable/Antenna Inputs, Number:1
Component Input Sets, Total Number:2
Digital Audio Output:Yes
Digital Audio Output Type:Dolby Digital
HDMI Inputs, Number:2
RS232C input(s):Yes
Tuner Type:NTSC (analog)
USB Inputs, Number:1
Display, Resolution:
Maximum Resolution:1024 x 768
Display, Enhancements:
Contrast Ratio:3,000,000:1
Controls, Video:
Closed Captioning:Yes
Parental Control (Channel Block):Yes
V-Chip Program Lockout:Yes
Internet Connectivity:
Internet Connectable:No
General Information:
Product Type - General:Plasma TV
Height - General:29.8 in
Weight - General:62.2 lbs
Resolution - Display:1024 x 768
PC Interface - General:VGA (HD-15)
Speaker System - Audio System:2 speakers
Flat Panel Mount Interface - Stands & Mounts:400 x 400 mm
Motion Enhancement Technology - Display:600Hz sub-field driving
Height (Shipping) - Dimensions & Weight (Shipping):32.2 in
Video Interface - General:Component, composite, HDMI
Width (Shipping) - Dimensions & Weight (Shipping):52.4 in
Weight (Shipping) - Dimensions & Weight (Shipping):74.5 lbs
Stand Design - Stands & Mounts:Tabletop
Speaker(s) - Audio System:2 x right/left channel speaker - built-in - 10 Watt
Surround Mode - Audio System:Yes
Stereo Reception System - TV Tuner:MTS
Secondary Audio Program (SAP) - TV Tuner:Yes
Connector Type - Connections:1 x composite video/audio input ( RCA phono x 3 ) - rear 2 x component video input ( RCA phono x 3 ) - rear 2 x audio line-in ( RCA phono x 2 ) - rear 1 x digital audio output (optical) ( TOSLINK ) - rear 1 x HDM
Sound Output Mode - Audio System:Stereo
Depth (Shipping) - Dimensions & Weight (Shipping):9 in
Dimensions & Weight Details - Dimensions & Weight Details:Panel without stand - 46.1 in x 2.1 in x 27.7 in x 56.9 lbs Panel with stand - 46.1 in x 11.7 in x 29.8 in x 62.2 lbs
Dimensions - General:With stand
Color Temperature Control - Display:Yes (Warm/Medium/Cool)
Timer Functions - General:Sleep, wake
Widescreen Modes - Display:Conventional 4:3, 16:9, Just Scan, Cinema Zoom, Set by Program
Diagonal Size (cm) - General:127 cm ( 126.7 cm viewable )
Diagonal Size - General:50" Class ( 49.9" viewable )
Input Video Formats - Video Features:1080/24p, 1080/60p, 1080/30p
Picture Adjustment - Display:Vivid/Standard/APS/Cinema/Sports/Game/Expert1/Expert2
Nominal Voltage - Power:AC 120/230 V ( 50/60 Hz )
Output Power / Total - Audio System:20 Watt
Sound Effects - Audio System:Virtual Surround Mode
Power Consumption Stand by / Sleep - Power:0.2 Watt
Reception System - TV Tuner:NTSC
Stand Features - Stands & Mounts:Swivel
Type - Remote Control:Remote control
Power Device - Power:Power supply - internal
Others:
Languages Available:English, Spanish, French, and Korean
Screen Aspect Ratio:16:9
Warranty Terms - Labor:1-year
Warranty Terms - Parts:1-year
Height by Range:23 to 27 in.
Item Type:Electronics & computers
Screen Size:50
Screen Size:50 in.
Screen Size:50 in.
Width by Range:43 to 47 in.
Stand:Yes
HDCP Compatible:Yes
Sears.com Coupons
Pretty weak list this time, some states are totally absent, but here it is:http://www.priorityclub.com/hotels/us/en/global/redeem/pointbrea...You can view other countries, but here's the USA:ALABAMA
Candlewood Suites BIRMINGHAM
Holiday Inn MOBILE WEST - I-10ARKANSAS
Crowne Plaza HOTEL LITTLE ROCK
Holiday Inn LITTLE ROCK-PRESIDENTIAL-DWNTNARIZONA
Crowne Plaza HOTEL PHOENIX-AIRPORT
Holiday Inn HOTEL AND SUITES TUCSON AIRPORT-NORTHCALIFORNIA
Candlewood Suites GARDEN GROVE/ANAHEIM AREA
Holiday Inn EXPRESS AND SUITES BARSTOWCONNECTICUT
Holiday Inn EXPRESS AND SUITES HARTFORD CONVENTION CTR AREA
Crowne Plaza HOTEL DANBURYFLORIDA
Candlewood Suites CLEARWATER
Holiday Inn EXPRESS AND SUITES TAMPA STADIUM AIRPORT AREA
Hotel Indigo MIAMI DADELAND
Staybridge Suites JACKSONVILLEGEORGIA
Hotel Indigo ATLANTA MIDTOWN
Holiday Inn ATLANTA-PERIMETER/DUNWOODYILLINOIS
Candlewood Suites CHICAGO/HOFFMAN ESTATES
Holiday Inn MOUNT PROSPECT - CHICAGO
Staybridge Suites SCHAUMBURGINDIANA
Holiday Inn LOUISVILLE-NORTH (CLARKSVILLE)
Holiday Inn TERRE HAUTE
Holiday Inn EXPRESS AND SUITES COLUMBUS EDINBURGHKANSAS
Holiday Inn OLATHE MEDICAL CENTERKENTUCKY
Crowne Plaza HOTEL LEXINGTON NEAR UK / KEENELANDLOUISIANA
Holiday Inn BATON ROUGE COLLEGE DRIVE I-10
Holiday Inn EXPRESS AND SUITES BOSSIER CITY - LOUISIANA DOWNSMICHIGAN
Candlewood Suites DETROIT-WARREN
MISSOURI
Crowne Plaza HOTEL ST. LOUIS AIRPORT
Holiday Inn EXPRESS ST. LOUIS AIRPORT- RIVERPORTMISSISSIPPI
Holiday Inn MERIDIAN E - I 20/I 59MONTANA
Holiday Inn BOZEMANNORTH CAROLINA
Hotel Indigo RALEIGH DURHAM AIRPORT AT RTP
Staybridge Suites CHARLOTTE-ARROWOODNORTH DAKOTA
Staybridge Suites MINOTNEBRASKA
Staybridge Suites LINCOLN I-80NEW HAMPSHIRE
Holiday Inn HOTEL AND SUITES NASHUANEW JERSEY
Crowne Plaza HOTEL MONROE SOUTH BRUNSWICK
Holiday Inn EXPRESS WEST ATLANTIC CITYNEW MEXICO
Candlewood Suites ALBUQUERQUENEW YORK
Crowne Plaza HOTEL SYRACUSE
Holiday Inn ALBANY, NY - WOLF ROAD
Hotel Indigo ALBANY LATHAMOHIO
Crowne Plaza HOTEL CLEVELAND SOUTH - INDEPENDENCE
INTERCONTINENTAL CLEVELAND
Staybridge Suites TOLEDO - MAUMEEOKLAHOMA
Candlewood Suites LAWTON FORT SILL
Staybridge Suites OKLAHOMA CITY-QUAIL SPRINGSOREGON
Holiday Inn PORTLAND-AIRPORT (I-205)
Holiday Inn EXPRESS ROSEBURGSOUTH CAROLINA
Holiday Inn HOTEL AND SUITES Columbia-AIRPORTTENNESSEE
Staybridge Suites MEMPHIS-POPLAR AVE EAST
Holiday Inn CHATTANOOGA - HAMILTON PLACETEXAS
Candlewood Suites HOUSTON IAH / BELTWAY 8
Candlewood Suites DALLAS PARK CENTRAL
Holiday Inn HOUSTON-INTERCONTINENTAL ARPT
Staybridge Suites SAN ANTONIO - STONE OAKUTAH
Holiday Inn HOTEL AND SUITES SALT LAKE CITY-AIRPORT WESTVIRGINIA
Candlewood Suites RICHMOND WEST END SHORT PUMPWASHINGTON
Holiday Inn DOWNTOWN-EVERETT
Staybridge Suites VANCOUVER-PORTLAND METROWYOMING
Holiday Inn ROCK SPRINGS
Hotel Indigo Coupons
Pep Boys has the Valvoline NextGen Motor Oil rebate on their site too. And low and behold, a SALE ON RE_REFINED MOTOR OIL & PUROLATOR FILTER COMBO THROUGH JULY 1, 2012:
(Listed price based on filters $6.99 or less)NextGen is on sale NOW: 5 Quarts and a Purolator Oil Filter for $25NextGen HIGH MILEAGE is on sale NOW: 5 Quarts and a Purolator Oil Filter for $30 ($5.00 more)Limit is TWO on the NextGen Oil/Filter combos.Makes you wonder, is this oil really $5/quart? WHOAH mamma! I thought $3/quart oil was expensive and that is for the virgin stuff, this stuff's been up and down the 405 a couple of times already and then re-re-re-refined (50% re-refined content)$20 PBY Gift Card for 5 quart purchase. Limit ONE.Okay, the in-store price sux, but PBY is very good about matching prices, so you could ask them to price match Advance Auto or Autozone. HTH.
(YMMV ON THIS PART) Page FOUR of the Los Angeles flyer is here:
http://pepboyscircular.zt02.net/zetanextpages/LOSANGELES_month.h...Rebate form through September 30, 2012 here ya go:
http://www.pepboys.com/sale_specials/coupons/valvoline_nextgen_m... HPM. 

MAKE THIS A MONEY MAKER ...THAT'S WHAT A HOT DEAL IS SUPPOSED TO BE!!!Okay, I don't live by PBY but they've been pretty cool since they shut down their local store and then reopened it.MAYBE you could ask them to price match the oil only to WalMark which is showing Valvoline NextGen Conventional Motor Oil 10W-30, 5qt for 15.97 online price.  
And now the fine print:
Rebate request must be received by October 30, 2012. Limit one rebate per individual, household or address. Maximum rebate allowed is $20.00 for one gift card. THIS
OFFER CANNOT BE COMBINED WITH ANY OTHER VALVOLINE OFFER. NO GROUP SUBMISSIONS. REQUESTS MUST COME FROM INDIVIDUAL CONSUMER. MULTIPLE
SUBMISSIONS WITH SEPARATE ADDRESSES WILL NOT BE ALLOWED. Please allow eight weeks to receive your gift card. To check on status of your rebate, please go to
www.valvolinetracker.com. Gift cards are subject to terms and conditions set forth by Pep Boys. Gift cards are not redeemable for cash unless required by
law. Gift cards may only be used towards the purchase of merchandise at any Pep Boys location. In the US, after 12 consecutive months or non-use, a
service fee of $2.00 per month will be deducted from the remaining balance unless prohibited by law. After 5 years of non-use, the entire balance is void,
unless prohibited by law. Requests must be made on this special order form and may not be mechanically reproduced. Trading of proof-of-purchase is strictly prohibited.
This offer is limited to the United States and Puerto Rico only. Requests from P.O. Boxes will not be honored except in Alaska. Use of fictitious names, addresses or
organizations to obtain additional premiums is fraud and is in violation of Federal Law, and may result in prosecution and a term of imprisonment, fine or both. Offer void
where prohibited, taxed or otherwise restricted by law. Materials become the property of Ashland Inc.
This deal is at Autozone.
NOTE:
If you have Advance Auto in your area, your better off buying from them and going to this deal Advance Auto -Valvoline Conventional Motor Oil 5 plus Qt Jug. Free AR
http://www.fullofdeals.com/forums/hot-deals/1195904/ AutoZone Sales Ad exp 6/25/12
Also includes a STP oil filter.Valvoline or NextGen Conventional = $20.99 - $20 gift card = $0.99
Valvoline or NextGen MaxLife = $23.99 - $20 gift card = $3.99 
rebate formhttp://www.autozone.com/images/MEDIA_ProductCatalog/m1200014_nex...
***Updated Thread name (based on new info from samwathegreat) 
Standard T&C
1. Purchase five individual quarts and/or one 5+ quart jug of Valvolines NextGen Conventional, MaxLife NextGen High Mileage Motor Oil and
receive a $20 AutoZone gift card. Maximum rebate allowed is two gift cards per individual, household or address AND unique
transaction/receipt code for a total of $40 in AutoZone gift cards.
2. Mail this original rebate form (no substitute rebate forms accepted) along with copy of your AutoZone store identified dated cash register
receipt (dated within promotional dates listed above) with purchase price circled to:
Valvoline Rebate
Dept. 33830-09
P. O. Box 6094
Douglas, AZ 85655


Requests must be postmarked by October 30, 2012 and received by November 6, 2012. Offer available with purchases of 5 individual quarts and/or 5+ quart jugs. However,
whether you buy quarts or jugs (or both), the maximum number of gift cards available is two per individual, household or address, AND unique transaction/receipt. Maximum allowed
is two $20 gift cards for a total of $40 in AutoZone gift cards. THIS OFFER CANNOT BE COMBINED WITH ANY OTHER VALVOLINE OFFER. NO GROUP SUBMISSIONS. REQUESTS MUST
COME FROM INDIVIDUAL CONSUMER. Please allow eight weeks to receive your gift card. To check on the status of your rebate, go to www.valvolinetracker.com or call
1-800-840-2495 (M-F, 7a-8p CT). Requests must be made on this special order from and may not be mechanically reproduced. Trading of proof-of-purchase is strictly prohibited.
This offer is limited to the United States only. Requests from P. O. Boxes will not be honored. Use of fictitious names, address or organizations to obtain additional premiums is fraud
and is in violation of Federal Law, and may result in prosecution and a term of imprisonment, fine or both. Offer void where prohibited, taxed or otherwise restricted by law. Materials
become the property of Ashland Inc.
Oreilly Auto Parts
Sales Ad May 30-June 12 2012
Linked to Ad$3.49 Castrol GTX or Valvoline Conventional (limit 24 units, offers only applies to quarts)
Purchase 5Quarts of oil and get a $5 GC after MIR) (limit is 2 x $5 GC)
OR
3.99 Qt Castrol GTX High Mileage or Valvoline Maxline (limit 24 units, offers only applies to quarts)
Purchase 5Quarts of oil and get a $5 GC after MIR (limit is 2 x $5 GC)  They also have 16oz Seaform for $7.99
Rebates goes to the same address and have different offer numbers.
Castrol $5 O'Reilly Gift Card Rebate
http://images.oreillyauto.com/uploads/pdf/rebate/Castrol-%20OR%2...To receive your gift card(s) this rebate request must be postmarked by July 12, 2012.
1. Purchase 5 qts. of Valvoline Motor Oil from participating stores between May 30 - June 12, 2012.
2 . Circle the date of purchase on your original sales receipt and each qualifying product.
3 . Send this COMPLETED form along with the ORIGINAL SALES RECEIPT to:
Dept.OR12-8589 Valvoline MotorOilRebate P.O. Box472Scottsdale,AZ85252-0472
4 . Make copies for your records. Any disputed claim will require photocopy substantiation. Valvoline $5 O'Reilly Gift Card Rebate
http://images.oreillyauto.com/uploads/pdf/rebate/Valvoline%20Reb...
To receive your gift card(s) this rebate request must be postmarked by July 12, 2012.
1. Purchase 5 qts. of Valvoline Motor Oil from participating stores between May 30 - June 12, 2012.
2 . Circle the date of purchase on your original sales receipt and each qualifying product.
3 . Send this COMPLETED form along with the ORIGINAL SALES RECEIPT to:
Dept.OR12-8590 Valvoline MotorOilRebate P.O. Box472Scottsdale,AZ85252-0472
4 . Make
This deal is at Autozone.
If you have Advance Auto in your area, your better off buying from them and going to this deal Advance Auto -Valvoline Conventional Motor Oil 5 plus Qt Jug. Free AR
http://www.fullofdeals.com/forums/hot-deals/1195904/ http://www.autozone.com/autozone/accessories/Fluids-and-Chemical...
rebate formhttp://www.autozone.com/images/MEDIA_ProductCatalog/m1200014_nex... Standard T&C
1. Purchase five individual quarts and/or one 5+ quart jug of Valvolines NextGen Conventional, MaxLife NextGen High Mileage Motor Oil and
receive a $20 AutoZone gift card. Maximum rebate allowed is two gift cards per individual, household or address AND unique
transaction/receipt code for a total of $40 in AutoZone gift cards.
2. Mail this original rebate form (no substitute rebate forms accepted) along with copy of your AutoZone store identified dated cash register
receipt (dated within promotional dates listed above) with purchase price circled to:
Valvoline Rebate
Dept. 33830-09
P. O. Box 6094
Douglas, AZ 85655


Requests must be postmarked by October 30, 2012 and received by November 6, 2012. Offer available with purchases of 5 individual quarts and/or 5+ quart jugs. However,
whether you buy quarts or jugs (or both), the maximum number of gift cards available is two per individual, household or address, AND unique transaction/receipt. Maximum allowed
is two $20 gift cards for a total of $40 in AutoZone gift cards. THIS OFFER CANNOT BE COMBINED WITH ANY OTHER VALVOLINE OFFER. NO GROUP SUBMISSIONS. REQUESTS MUST
COME FROM INDIVIDUAL CONSUMER. Please allow eight weeks to receive your gift card. To check on the status of your rebate, go to www.valvolinetracker.com or call
1-800-840-2495 (M-F, 7a-8p CT). Requests must be made on this special order from and may not be mechanically reproduced. Trading of proof-of-purchase is strictly prohibited.
This offer is limited to the United States only. Requests from P. O. Boxes will not be honored. Use of fictitious names, address or organizations to obtain additional premiums is fraud
and is in violation of Federal Law, and may result in prosecution and a term of imprisonment, fine or both. Offer void where prohibited, taxed or otherwise restricted by law. Materials
become the property of Ashland Inc.
Runs May 31 to June 27. Actually a 1 cent MM AR. The oil is 19.99. You get 20 back. I imagine the pros here will turn it into a better MM than that even. I don't have any links yet. It was in the in store flyer when I was there today. I believe we've been able to claim this type of oil online (as opposed to required mail in). Post a link if you find one b4 me...
Advance Auto Parts Coupons
Linky.$1,495. 50% off with code: AMAZINGA 5.1-channel home theater system with award-winning audio performance.

The ultimate 21st-century home theater system.

As a stylish, versatile, easy-to-use home entertainment system, the BDS 800 plays almost everything and fits almost anywhere. Packed with all the latest in-demand features and technologies, the BDS 800 is surprisingly compact, even though it possesses a powerful Blu-ray Disc player, a DVD/CD player and an FM tuner. It will even play multimedia content such as movies, music or video through its USB port with better quality than virtually any computer screen. As for sound spectacle, the BDS 800 has voice-matched satellite and center-channel speakers with dual flat-panel midrange drivers that envelop you in a 360-degree soundscape, while a 200-watt subwoofer impacts you from every direction. Add the BDS 800s intuitive on-screen setup menu to get you up and running with ease, and youll quickly discover a beautifully designed home theater system that brings inspiring entertainment experiences right to your home.

harman kardon BDS 800 At A Glance

Complete, integrated home theater system
Dcor-complementing design
Sublime Dolby sound quality
Crystal-clear HDMI perfection
Compact, powered subwoofer
Preprogrammed/learning remote control
Digital-amplifier technology
Four identical, two-way, dual-driver satellite speakers
Dedicated two-way, dual-driver center speaker
Three digital inputs and two line outputs
Dot-matrix information display
Heavy-duty, gold-plated, binding-post speaker connectors
Wall-mount hardware
Magnetically shielded transducers
Intuitive playlist memory
Simplified system upgrades
Headphone jack
Make every night movie night.
The BDS 800 is a fully loaded home theater system that comes with a Blu-ray Disc receiver, a DVD/CD player, Dolby Digital and DTS decoding, an HDMI output, a USB port for importing music, video and picture files, and a preprogrammed/learning remote control that helps facilitate easy setup. There are no extras you need to buy. With everything necessary to turn ordinary film or TV viewing into an extraordinary experience, the BDS 800 is a complete system that transforms home entertainment into something you must normally leave the house to enjoy.

Dcor-complementing design.
It might sound strange to hear someone compliment your home theater system on its surprising good looks, but with the BDS 800, its a distinct possibility. With its modern, high-style design, the BDS 800s aesthetics are as expertly crafted as whatever youre watching on screen making it the perfect fit for most bookshelves, countertops or home entertainment centers.

Sublime Dolby sound quality.
The BDS 800 is a complete home theater audio system. One special feature is Dolby Digital and DTS surround-sound decoding, which allows you to hear every nuance of the latest movie soundtrack including Dolby and DTS high-resolution soundtracks in their native formats. This way, you and your friends can enjoy a surround-sound movie experience that is completely faithful to what its creator intended.

Crystal clear HDMI perfection.
If youre going to invest in a system with the extensive capabilities of the BDS 800, youll want the best high-definition picture and sound quality possible. Thankfully, with HDMI output, youll have it. By delivering HD digital video and high-resolution audio at the highest level possible (up to 1080p), the BDS 800 allows you to experience each frame of Hollywood action as it was shot without quality loss due to conversion or compression of a video or audio signal.

A single system for all your entertainment.
Imagine a home theater system that can play every song, video, or picture that you send its way while its hooked up to your TV. Serving as a true multimedia device, the BDS 800 can play sophisticated formats such as Blu-ray Disc or DVD video or casual, matter-of-fact videos shot on your iPhone device via the USB port. Simply attach a device such as a flash drive to the front-panel USB port, and watch your media manifest before your eyes. Thats all it takes: One cable, and youre instantly watching MPEG-1, MPEG-2, MP3, WMA and JPEG files with greater quality than is possible on your computer screen.

Compact, powered subwoofer.
Far from bulky, the compact BDS 800 subwoofer fits unobtrusively into your life. Yet its hard not to notice, thanks to its impressive output, acoustic loading and down-firing sealed enclosure in close proximity to the floor, creating tight, powerful bass performance. In addition, the glossy black BDS empowers you with volume, phase and bass-boost controls, so you can always create your ideal listening environment. The subwoofer also has an automatic turn-on and shut-off capability that responds intuitively to audio signals, so the system saves you not just time but energy as well.

Take control with preprogrammed/learning remote.
Theres nothing more frustrating than a coffee table stacked with more remote controls than coffee-table books. Thats why the BDS 800 simplifies your life with a single, adept remote control that can synchronize and coordinate your TV, cable boxes, satellite tuners and home theater system. And the BDS 800s on-screen menu makes setting up and using the system even easier.

Dynamic digital-amplifier technology.
In so many ways, going digital has great benefits. The same goes for the digital amplifier that comes with the BDS 800 home theater system. With the BDS 800, you can keep your audio signal smooth by keeping it in the digital domain from the sound source to the amplifier output and avoid audio artifacts that pop up in converting sound from analog to digital and vice versa. By using digital-amplifier technology, the BDS 800 keeps its receiver size small to ensure that your system generates less heat than others a benefit that allows you to minimize your carbon footprint.

Four identical two-way satellite speakers.
Sound quality, fidelity and consistency have been hallmarks of harman kardon speaker systems for 60 years. These signature traits are still in full effect, as the BDS 800 speaker system demonstrates. With a two-way, dual-driver configuration that lowers distortion for clear sound even at high volumes, the BDS 800 moves sounds consistently and realistically among speakers, drawing you into the movie experience while keeping your attention at every turn.

Dedicated, two-way dual-driver center speaker.
Voice-matched to the four satellite speakers, the dedicated center speaker provides heightened realism, clear dialogue and sound thats consistent with the other speakers for a faithful and immersive movie experience. In addition, the dual midrange drivers let you achieve maximum clarity even at high volumes. So, ultimately, when it comes to that climactic action sequence, no distortion will ever interrupt your suspended disbelief.

Gain extensive connectivity through multiple inputs.
With three digital inputs and two line outputs, the BDS 800 gives you great flexibility in mixing and matching other systems. And even though the BDS 800 provides everything youll need for a stellar home theater system, you can expand it by using multiple audio sources at any time. In addition, the BDS 800 also offers extensive connectivity in ways that more limited systems can only dream of. It even has an Ethernet port that allows you to connect to the Internet via your local area network, so you can take advantage of BD-Live interactivity a next-generation technology that allows you to import your own programming using MP3, WMA and JPEG playback.

Enhanced display features with energy-saving technology.
In addition to a dot-matrix information display that communicates freely with you to deliver status messages, the BDS 800 receiver lets you play music without having to turn on the TV. This forward-thinking feature saves energy. Additionally, a screensaver function prevents image burn-in on CRT and plasma displays. As a nod to its MP3 player technology, the BDS 800 even has a cover-art display function for audio files with ID3 tags (from USB devices). This way, you can see what youre playing. What could be more convenient?

Improve the quality of your connections.
You can never have too secure a cable connection for preventing unwanted interruptions. Thats why the BDS 800 has heavy-duty, gold-plated, binding-post speaker connectors to help you achieve the strongest connection and drastically minimize the likelihood of distortion or interference. The flexible BDS 800 system is also compatible with a variety of speaker wires, accepting banana connectors, spade connectors, pin connectors, bare wire and, likely, any other connectors you choose. Theres also a detachable IEC power cord that lets you connect to the installation site with ease simplifying the connection process even before you install the unit.

Magnetically shielded transducers.
When youre immersed in your favorite movie or TV show, theres nothing worse than unexpected interruptions. With magnetically shielded transducers designed to eliminate picture interference and distortion, the BDS system allows you to place your speakers close to the TV screen or wherever best complements your dcor to achieve the best possible picture and sound quality. The BDS 800 even has flat-panel midrange transducers of a honeycomb design with carbon-fiber skin, which deliver better sound quality than conventional transducers. And thanks to a 2-1/2-way crossover network that improves the transition between midrange and high-frequency drivers, you can expect very natural, transparent sound.

Intuitive playlist memory.
Its nice to have a home entertainment system that remembers your favorite songs. With playlist functionality that stores the locations of your most frequently used media, the BDS 800 system makes it easy for you to play files stored on a USB device or CD-R with a minimum of button pushing. Its one thing to be able to listen to your home theater system, but when it listens to you, isnt that a nice bonus?

Be system ready for upgrades.
Keep your receivers performance up to date with the latest software for improved operation, at the moment when upgrades become available, via the on-screen display (OSD). Using your OSD, you can simplify the upgrade process and ensure that your BDS 800 receiver is consistently running up to speed with the latest technology and meeting its great potential.

Going solo.
Sometimes when youre watching a sporting event or movie in your living room late at night using the BDS 800s 5.1-channel speaker system, those sleeping in the other rooms (not to mention the neighbors) can get swept up in the excitement whether they want to or not. Thats why the BDS 800 comes with a headphone jack, so you can enjoy your very own private listening experience and not have to worry that sound is traveling outside your four walls.

World Wide Stereo Coupons
Save 50% today on this 2 pack of butane torch lighters. LinkThis set of 2 Flexible Butane Torch Lighters keeps the flame going in the midst of a gale. These lighters are wind-resistant, child resistant, and are multi-purpose for all sorts of uses. The long flexible shaft is ideal for lighting campfires, BBQs, candles, and more. The long shaft can light wicks that might be hard to reach for more conventional lighters and can keep your hands out of BBQ pit that might be soaked in kerosene. Each lighter has an adjustable flame is refillable for prolonged used. These lighters are perfect for keeping around the house or bringing along on a camping trip. Get your set of 2 Flexible, Multi-Purpose Butane Torch Lighters today. Colors may vary from those shown.Features
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Buy.com Coupons
Downside to one spouse on mortgage?
Added on : Sunday May 20th 2012 03:25:09 AM
The conventional(?) wisdom on this forum is that there is no upside to both spouses being on a mortgage (however both on deed). My wife and I have set up our primary home (I'm on the mortgage) and a rental property (she's on the mortgage). This seems like a great idea in the event one of the properties had to be foreclosed upon. However, it is my understanding that upon death of the borrower, the mortgage will be immediately due. Although we have adequate life insurance, this may not be desired outcome especially if we have property locked into very low interest rates and a death occurs when interest rates are much higher. The lower earning spouse may not be able to qualify for a new mortgage although may be able to continue making payments for some period of time.I reviewed the note on the rental property from Wells Fargo which has a section that says:
That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of these conditions are described as follows:
If all or any part of the Property or any Interest in the Property is sold or transferred without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable law.
This appears to just cover if the subject property is sold or otherwise transferred. It seems that if the borrower ceases to exist, they could call the note as it is no longer a valid note (since they aren't assignable?)Any thoughts or experience with this?
Pepboys Conventional Oil Change + FREE TIRE ROTATION - $19.99
Added on : Thursday May 17th 2012 12:54:11 AM
Pepboys Conventional Oil Change+Extras - $19.99 Conventional Oil Change + Tire Rotation + Oil Filter Change w/ Free Tire Rotation and Tire Pressure Check

Limit one coupon per customer ***Expires on 06/04/2012***

http://www.pepboys.com/sale_specials/coupons/1999_oil_change_sem...

OIL CHANGE INCLUDES:
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Terms & Conditions:
Limit one offer per customer. Must surrender coupon. Not valid in combination with any other discounts, rebates or offers. Offer not valid on existing commercial and fleet accounts. No substitutions. Most vehicles. Price includes parts and labor.
Thanks destination4DEB
Rent From Budget Twice For 2 Days Before Dec 31 2012 And Receive A $25 Voucher (You Must Register)Budget Bucks Payback Terms and ConditionsTo qualify for the Budget Bucks Payback promotion:
Non-participating locations subject to change and may not be listed.
Register for the promotion before 11:59pm December 31, 2012 with a valid RapidRez Number with Fastbreak service. Submission of registration shall be consent to opt-in and receive promotional emails and Budget e-Receipt on future rentals. Click here to view mobile enrollment terms of use.
Complete two fully paid rentals of two consecutive days or more each between when you enroll and December 31, 2012 11:59 pm. Offer valid for U.S. residents (including USVI and PR) renting at participating Budget locations in the U.S. ("Qualifying Rentals").
RapidRez Number must be used when renting.
Rentals made with any of the following discount codes or profile types will not qualify for the promotion: Budget Pre-pay, Budget Think Fast, corporate accounts that do not allow employees to participate in reward programs, Budget direct bill accounts, employee rates for Budget or any affiliated company or licensee, government, travel industry, tour, wholesale or convention rates.
Rentals booked on Priceline or Hotwire will not qualify for the promotion.
Rentals paid using a Budget Bucks $25 rental coupon will not qualify for the promotion.
Reservation must be made 24 hours prior to pickup.
After completing two Qualifying Paid Rentals, each registered Budget customer will be mailed a Budget rental reward coupon valued at $25.
Budget rental coupon will not be replaced if lost or stolen.
Rental coupon must be used before December 31, 2012.
Reward will arrive approximately 8-10 weeks after the completion of second Qualifying Rental.
Vehicle renter must meet Budget age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge will apply for renters under 25 years old.
Budget Rent a Car System, Inc. ("Budget") is not responsible for lost or misdirected mailing of reward or for any malfunction of computer equipment that may prevent registration from being transmitted or received.
Any individual who tampers with the registration process will be disqualified from promotion.
Budget assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line, hardware and/or software failures, theft or destruction or unauthorized access to, or alteration of, registration information, rental data or registrations.
Budget is not responsible for any technical malfunction of any telephone network or telephone lines, computer on-line systems, servers, or providers, computer equipment, software, failure of any e-mail or registration to be received by Budget on account of technical problems, human error or traffic congestion on the Internet or at any Web site, or any combination thereof, including any injury or damage to participant's or any other person's computer relating to or resulting from participation in this promotion or downloading any materials in this promotion.
ANY ATTEMPT TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSORS RESERVE THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR THE ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.
Promotion terms are subject to change. Budget reserves the right, in its sole discretion, to cancel, terminate or suspend the promotion in the event the promotion is incapable of running as originally planned. Privacy Policy: Your privacy is important to us. Read our Privacy Statement.2012 Budget Rent a Car System, Inc. A global system of corporate and licensee-owned locations.Budget Rent a Car System, Inc., 6 Sylvan Way, Parsippany, NJ 07054Budget Rent a Car Coupons
Free Kindle Book - Resumes Are Dead and What to Do About It
Added on : Sunday April 29th 2012 09:05:52 PM
http://www.amazon.com/R%C3%A9sum%C3%A9s-Dead-What-About-ebook/dp...18 out of 20 5 star reviews
Dubbed "sheer genius" by New York Times bestselling author, Stephen M.R. Covey, RESUMES ARE DEAD is not for the faint of heart. This ebook tackles one of life's most compelling choices: money or meaning? The audio is relevant, timely and career-critical. Learn how to design a career that supports your quest for both money and meaningproviding you the freedom to pursue your dreams and live your ideal lifestyle.
This is career development reworked, unconventional and results-driven. Whether you're retired, in the middle of your career, fresh out of college, or have been hit hard by economic crisis, RESUMES ARE DEAD is chock-full of powerful, raw principles that will help you find your footing, contribute to the world in meaningful ways, and simultaneously create your ideal lifestyle.
Free Kindle Book - Resumes Are Dead and What to Do About It
Added on : Sunday April 29th 2012 06:11:11 PM
http://www.amazon.com/R%C3%A9sum%C3%A9s-Dead-What-About-ebook/dp...18 out of 20 5 star reviews
Dubbed "sheer genius" by New York Times bestselling author, Stephen M.R. Covey, RESUMES ARE DEAD is not for the faint of heart. This ebook tackles one of life's most compelling choices: money or meaning? The audio is relevant, timely and career-critical. Learn how to design a career that supports your quest for both money and meaningproviding you the freedom to pursue your dreams and live your ideal lifestyle.
This is career development reworked, unconventional and results-driven. Whether you're retired, in the middle of your career, fresh out of college, or have been hit hard by economic crisis, RESUMES ARE DEAD is chock-full of powerful, raw principles that will help you find your footing, contribute to the world in meaningful ways, and simultaneously create your ideal lifestyle.Amazon Coupons
Prepay PMI and save?
Added on : Friday April 27th 2012 09:03:47 AM
Putting together a conventional 30 year loan on a home. I bought up the idea of prepaying my PMI--lender said they would have to look into it. Came back with 2.05% of the purchase price upfront to get rid of PMI each month, same loan rate of 3.875%. A Prior estimate had the yearly PMI at .73%, split out in 12 monthly payments. This seems like a No brainier to me for the following reasons:If I don't prepay the only way to get rid of PMI is to pay down the principle to 78-80% LTV or refinance. It would take 120 payments of the monthly minimum to get down to 80% LTV; and 120 PMI payments as well.Couldn't find much on it...it seems to good to be true. Paying the upfront 2% can save years and years of .73% PMI. This was for a 5% down loan. This seems like a great way to put a little extra down and knock out PMI.Thoughts? has anyone else done this here, is there a pitfall? Or some kind of catch? I realize I would have to stay in the home just about 3 years to break even on the PMI, but rates are low right now and a refi in that period of time is so unlikely.
Aimloan.com or Amerisave or eloan
Added on : Thursday April 26th 2012 09:03:03 PM
Hi there,I am juggling between these three to get interest quote on a new house purchase,I never had own a home and now in the market searching for a better deal (of course with fw spirit).. my agent tells me better to choose local bank so it will be easy to coordinate , but I don't believe on that.. could you suggest which one to go for better interest rates.. my credit between 720 to 750 .. and I am planning 20% down paymentat this moment could you guide me any other tips and suggestions for below please:1. Should the first preference be foreclosures or short sales when searching for better deal
2. Tips on giving an offer (I had two agents so far tells me I have to fill up lot of paper work while giving an offer to seller)
3. Could you shed light on conventional loan, fixed and what the points about .. any basic information site would be really helpfulI know these are all basic basic questions to some of you before you bash me... but I had to ask ..sorry
Smart Planet Stuffed Cake Pop Maker for $14.21 w/ FS @amazon
Added on : Wednesday April 25th 2012 09:30:17 AM
*Eligible for FREE Super Saver Shipping on orders over $25Product Features:
Makes 7 stuffed cake pops
Includes injector & decorating kit
Non-stick surface for easy cleanup and quick release
Saves on electricity over conventional oven or fryer
Basic recipes includedlinkAmazon Coupons
About to buy a house but these closing cost seems crazy....
Added on : Tuesday April 24th 2012 06:07:35 PM
House price: $138,500
Down: 25%, $34,625
Loan: $103,875Loan Type: Conventional 15 year fixed
Rate: 3.625%
Est apr: 4.1882%Location DFW, TxFees:
Processing Fee $515
Underwriting Review $395
Origination Fee $1038
Attorneys Fee $250
Delivery Fee $240
Loan Discount Fee $1158
Appraisal Fee $425
Credit Report $75
Second/Review Appraisal Fee $150
Total: 4257ADvance Prepaids:
Prepaid Interest $292
Hazard Insurance PIA $540Reserved prepaids
Hazard Insurance PIR $90
County Tax PIR $900Title Charges:
Escrow/Settlement/Closing Fee $275
Mortgagees Title Policy $200
Owners Title Policy $1100
Texas Guaranty Fee $4
Recording Fee $85Addition charges:
Survey/Plat $435
HOA Transfer Fee $250
HOA Reserves $250Total for everything is $8679, I'm buying the house form the builder and they said if I go through their mortgage company, they will take care of the origination fee and the title policy so minus 2138. Still seems like a lot cause we are still paying almost 7k at closing. We have excellent credit, well above 700. This is going to be our second home for my kids. First home paid off and have zero debt. We have well paying jobs. any inputs? are they just trying to tack on excessive charges?
http://www.amazon.com/gp/goldboxUpgrade your halogen headlight bulbs with over 80% off all models of GE Nighthawk Platinum headlight bulb two packs. GE Nighthawk Platinum bulbs give you up to 90% more clean white light on the road than conventional bulbs and are easy to install, usually taking just 5 to 10 minutes. Refer to your vehicle owners manual for specific instructions on headlight bulb replacement.Amazon Coupons
http://www.ntb.com/Discounts-Coupons-Detail/12?gclid=CJjYyPjPtK8...
Printable Coupon - Conventional Oil Change (Up to 6 Qt of Oil), 4-Tire Roatation, & 22-Point Inspection - $16.99 or $39.99 for Synthetic @ NTB$16.99 for Conventional Oil Change or $39.99 Synthetic Oil Change (Exp. 4/17/12). Includes up to 6 Qts of Multi-Grade Motor Oil**
Change filter
4-tire rotation***
22-Point InspectionTerms and Conditions
**TPMS reset additional, if needed. Price dependent on oil type and viscosity. Includes up to 6 qts. of multi-grade motor oil. Plus $3 disposal fee (where permitted). Most vehicles. Not valid with other offers. One coupon per customer. At participating locations upon presentation of this ad. No cash value. (See store for details). Expires 04-17-12.
O'Rielly's Clearance Motor Oil YMMV
Added on : Saturday April 14th 2012 06:46:05 PM
Local O'Riellys was (still going on) clearancing out their 1gallon jugs of motor oil. Conventional oils are $10/gallon, synthetics are $15/gallon. My local store didn't have much left, but I did get three gallons of Castrol synthetic @ $15/ each. As always on a clearance deal, ymmv.
Come to our FREE trade show!Friday May 18th, 2012
Miami Airport Convention Center
711 N.W. 72nd Avenue
Miami, Florida 33126Doors open at 10:00 AM
Close at 5:00 PMInnovation disrupts the status quo and drives technology. Manufacturers and solutions providers constantly push the envelope, developing new, faster, smaller, more scalable, efficient products and services, as they do the demand for education and information never ceases.Introducing the Systemax Technology Showcase
Join us for this FREE event and learn what 2012 will bring from leading manufacturers and solutions providers who will demonstrate their technology at their booth and on stage. Kaspersky, Microsoft, Symantec, Trend Micro, Corsair, and many more vendors will be showcasing their latest wares and solutions!Registration Required: Link See you there!
Fannie HomePath or Conventional
Added on : Saturday April 14th 2012 09:03:19 AM
Buying a Fannie foreclosure for $270. Was looking forward to the low % down.Mortgage guy says the Fannie Desktop Underwriter won't approve anything below 10%.
My credit is 730, I have income of 79k vs. 5k in debt. Homepath has 5% interest rate, no points, no appraisal, no PMI. Monthly pmt comes to around 1300 if I go with it.Do I go with it? FW, what do?
$16.99 Oil Change at National Tire & Battery
Added on : Friday April 13th 2012 09:32:29 AM
Just saw this, thought y'all could use it like I'm going to this weekend. $16.99 Conventional Oil ChangeIncludes up to 6 Qts of Multi-Grade Motor Oil**
Change filter
4-tire rotation***
22-Point InspectionOr $39.99 Synthetic.http://www.ntb.com/Discounts-Coupons-Detail/12
Sony 46" 120Hz 1080p 3D LED HDTV w/ Blu-ray Player for $1,000 + $36 s&h
Added on : Wednesday April 11th 2012 12:08:22 PM
TigerDirect offers the Sony BRAVIA 46" 120Hz 1080p 3D-Ready LED-Backlit Widescreen LCD HD Television, model no. KDL-46NX720, with the Sony 3D Blu-ray Player, model no. BDP-S480, for $1,699.99. Coupon code "GJA54340" drops it to $999.99. Add $36 for shipping.
LINKThis TV features a Corning Gorilla Glass screen, which purports to be stronger, yet lighter, than conventional glass. Other features include a 1920x1080 (1080p) native resolution, 120Hz refresh rate, edge-lit LED backlight, WiFi-ready, Ethernet and USB ports, BRAVIA Internet Video and Widgets, four HDMI inputs, and VGA and other video inputs. The Blu-ray player features Ethernet connectivity with support for Hulu Plus, Pandora, Netflix, YouTube, and more streaming services. It also has DVD upconversion to 1080p, Quick Start/Quick Load, an HDMI output, and 3D playback.TigerDirect.com Coupons
Points Refinance Tax Deduction - Thin Gray line?
Added on : Tuesday April 10th 2012 03:04:22 PM
Hi Guys,I purchased my home in 2009 using 20% down with a 30 year conventional loan. In the same year, I refinanced to a lower interest rate and also paid 1 point to reduce the rate further. Here are some facts on what I do know and what I'm not sure with and hope the experts here can answer it.What I know:
-Since this is a refinance with points paid, I amortize the points deduction over the life of the loan instead of a big writeoff at the end of the tax year.
-I can take the remainder of the entire writeoff at the tax year I refinance again or sell my home.What I do not know:
-My loan was sold off from my refinanced company to Bank of America in 2010. The account numbers changed and who I pay my mortgage to also changed (to the new owner of the loan: BofA). My question is, does this constitute a new loan where I can write off the remainder of my points paid tax deduction?Facts:
My 1 point paid on refinance = ~$4,300Amortized over 30 years = (4,300/30) = $143 point deduction per year over the life of the loan (30 years, written two years off so far if including this year).I'm not trying to commit tax fraud, but asking a legitimate question as I am not sure whether my loan being sold off to BofA constitutes a new loan. I'll get the full writeoff eventually anyways, but would be great to not do that every tax filing. I hope the Fatwallet community can shed some light on this question.
http://www.pepboys.com/featured_products/1599_mobilsuper_diy_oil...
Real estate/investment question
Added on : Thursday March 29th 2012 03:09:55 AM
OK, try not to call me stupid or crazy. I really don't know what to do. I bought a house in 2010 for $350K under FHA and put 10% down. I'm stuck with Mortgage insurance and Escrow manages my payments and taxes which sucks. My house on zillow now estimates to be worth a whopping $305K which is pretty much what I have managed to get my loan value to. Interest rates are lower right now. I had 5.25% and right now it's hovering around 3.75%. My first concern is if I should refinance through FHA streamline or to do conventional. Conventional would mean dropping 20% on that since my house is worthless. FHA streamline would mean I pay MI for the next 5 years which comes out to maybe $21K. Here's to put some more crap on this mess. We may want to move within 3 years. Since we are looking to buy a new house. Now I'm wondering if refinancing is a good idea. We are able to make payments on this house easily and have been putting in extra principle every month. If we were to move and buy a new house, should we keep the old house and rent it or should we sell it? Selling would mean I go negative since I really lost money on this since I bought it for $350k. Renting-wise, zillow says I can rent it for $1900 which I doubt. Going with the renting route and paying $2300 for taxes, insurance and mortgage every month, I don't think I'd be profitting even with the tax return. I have not a clue what to do. Please help?
Oil Change Service (Filter excluded, must be purchased at time of service.) PURCHASE TODAY, CAN BE SCHEDULED THRU 4/30/12http://www.sears.com/shc/s/p_10153_12605_09045011000PProduct Description
We regret that because of the variance of filter sizes and pricing, oil filters cannot be included in the online purchase and will be purchased in storeDescription: Our oil change service is a maintenance service developed to support our customer's need to keep their vehicle in top condition. We recommend an oil change every 3,000 miles. No disposal or shop fees. Service Description: The Oil Change service includes the installation of: up to 5 quarts of conventional oil featuring Valvoline (Oil Filter price added in store), lube of the chassis if needed, reset of oil light if needed, proper inflation of tires, topping off of the following fluids: windshield washer and power steering fluid. In addition, we perform a complementary check of: lights, brake fluid level, air filter, belts, wiper blades, antifreeze, tires and shocks/struts. In addition we offer a copy of the Maintenance Service Interval (MSI) for your specific vehicle.Sears.com Coupons
PEP BOYS B&M3/11 to 18****************************************************Peak AFreeze 50/50 $6 limit 2 (after $5 mir) FULL $8 limit 2 (after $5 mir)Anco Profile Wiper Blades BOGO a/mir (limit not given in ad)Fram Air Filters from $1.99 after $2 ins. discount and $2 MIR limit 2Goodyear 2 Ton Jack $17 a/$5 MIRChampion Platinum Spark Plugs 2 for $1 (after $2 mir limit 12 spark plugs)5000 LB Tow Bar $99 a/$20 mirPeak Jump Start 600 amp with inflator $27 /a $10 mirFree Hitch installation w/Hitch prchse. $69.99 value (install less $69.99 mir)*************************************************************************************************other dollar day deals with no rebate neededCastrol GTX DIY Oil Change $20 (convent motor oil and Fram Extra Guard filter) can upgrade for $2 more to the tough guard filterLucas Oil Stabilizer $10Duplicolor Sandable Primer 2 for $9"" "" Prof. Undercoat w/Sound Eliminator 2 for $11Turtle Wax Assorted Products 2 for $8 (mb 2) (as pictured in ad, too many to list)Dog Bone Washing Sponges $1Techron Fuel System Cleaner, PB Blaster, Black Magic Tire Wet or Turtle Wax Car Wash all $4 eaall $3 ea: Gunk Engine Brite, Bleche White, Tuff Stuff or CRC BreakleenMOTORCYCLE Oil Castrol 1qt conventional $4 or synth $8Submersible or Non Submer. Trailer Light Kits $20Goodyear Prem Floor Mats set of 4 in color choice $30BOGO Live Nation Universal Bucket Seat covers with music bands/artists, etc.
http://1saleaday.com/flash/espresso-machine/Product Info

At once both retro and high-tech, this espresso machine - designed by renowned Italian architect Luca Trazzi and manufactured in Italy - will add a striking visual statement to your kitchen. Designed to work exclusively with illy iperEspresso capsules, the state-of-the-art Francis Francis X8 iperEspresso machine makes extraordinary espresso with one-touch convenience, and since it comes with 8 coffee capsules included, it's ready to go right out of the box!Unlike conventional one-stage systems, the iperEspresso method uses an innovative, patented two-stage process to create intensely aromatic, full-bodied espresso with rich, velvety crema that lasts and lasts. And because extraction takes place entirely inside the capsule, the coffee and machine never come in contact, making for amazingly simple clean up. The auto-frothing "pannarello" wand makes delicious caf-quality cappuccinos and lattes.

Specs

Condition: Factory Refurbished
Packaging: Brown Box
Warranty: 90 Day
Manufacturer: illy
Model: 208003 X8Features Include:
1-touch espresso making machine
Designed by renowned Italian architect Luca Trazzi
Uses illy iperEspresso capsules exclusively
2-stage process for full-bodied espresso with rich velvety crema
Auto-frothing "pannarello" wand for caf quality cappuccino and espresso
LED display
15 bar pump
22 ounce water tank (14-20 servings approx.)
Espresso capsule is automatically expelled
Easy to clean, coffee stays in capsule, no contact with machine
Adjustable cup tray
Manual shutoff for control of cup size
Automatic decalcification program
Durable ABS plastic body
Stainless steel-lined aluminum thermal block
illy iperEspresso cups not included
Dimensions: 12.6 (H) x 7.9 (W) x 13.4 (D)

Package Includes:
illy Francis Francis X8 iperEspresso Machine

*Please allow up to 7 business days for your order to ship1SaleADay Coupons
LinkUSE PROMO CODE: EMCYTZT1266
Expires: 03/06/12Cresyn earphones offer dynamic sound quality by overcoming the confined sound quality of conventional kernel earphones. Soft silicon caps eliminate the stress on the ears caused by prolonged use, and work with three different sizes of ear caps to deliver premium wearing comfort. Enjoy the premium sound quality and maximum wearing comfort at an affordable price with these in-ear noise-blocking headphones.Newegg Coupons
add to cart for $19.99
Text
$20 MIR (Ends 06/27)
Text
FREEAdvance Auto Parts Coupons
Jumbo Mortgage: Penfed 5/5 Vs TD Bank Combo Vs TD Bank Jumbo
Added on : Thursday March 01st 2012 06:10:15 PM
I am buying a home and looking at the options I have.Price: 800K
Loan: 640KPenfed 5/5: 3.125% for 640K
TD Bank 30 yr Jumbo: 4.25% for 640K
TD Bank Combo: 30 yr Conventional 4.00% for 417K (or 3.5% with 2 points) and 2.75% for 223K HELOCI am thinking about taking the TD Bank Combo, but would like your feedback!
Looking at a Cashcall refi....and here is why.
Added on : Tuesday February 28th 2012 03:21:34 PM
Looking to refi down my rate.
My situation:
1st mortgage at 88K, 3.5 yrs into a 30 yr fixed.
Home equity loan, remaining is 16K. 1.5 years into a 10 yr fixed at 7%.
The above is limiting me from other no cost refi options as I expect my appraisal to be around 125K which puts me over 80% LTV.I just had a chat with cashcall
My home value is below the standard threshold for the No cost refi.....
However, he says they can increase the rate in order to do the no cost refi.I have two scenarios to look at as options.
Their standard no cost refi 15yr fixed right now is 3.25%Option 1 Conventional:Need 80% LTV OR bring cash to the table if appraisal is too low.
Loan of 104K, 15 yr fixed at 3.75% (.50% increase due to the total loan being so far under their 150K min for no cost refi)
If home appraises at 130K I'm basically good to go.
If home appraises at 125K I'd need to bring 4K to the table (possibly an option)
If home appraised at 120K (doubtful) I'd have to bring 8K to the table (I wont do that)Monthly payment on 104K would be $756 (currently pay my taxes yearly [AVG $79 per month] and my insurance monthly at $45 per month)
My goal is to pay 100 to 200 extra each month and cut my payoff down to under 12 years.Option 2 FHA:
Can go to ~97% LTV (wont need that much) and not bring principle cash to the table.
Loan of 104K + 1.04K(FHA fee of 1% rolled into loan)= 105.04K loan at 3.75% (same reason as above for this .50% higher rate)
If home appraises anywhere in a reasonable range, I bring no cash to the table.
I DO pay a PMI fee of between $22 and $42 per month. (not sure what determines which it is. He mentioned it being in that range for South Carolina.)
When home reaches 78% LTV, they drop PMI. Apparently value is assessed yearly on FHA, so that 78% is determined each year based on where the market goes here.Payment would be $764+PMI(between 22 and 44 dollars a month).
My intention would be to pay around 100 to 200 extra each month and try to cut payoff down under 12 years.In this scenario, I'd need to bring 6months taxes and insurance to the table and begin scrowing that monthly.(6 months would be right at 700 dollars for both)
I can either pay that outright, or they will roll it into the loan. I'd prob just pay that outright from my pocket.Including these escrows, my total monthly payment would then run about $764+(22 to 42)+45(insurance)+79(taxes)
I was even told if I backed out after appraisal I did not owe any fees.
_____I'm basically looking at a .50% penalty to get the no fee. which takes the payment from $718 at 3% up to the numbers above.It would appear from that point going forward, as principle dropped over the next few months to a year, and as the market here maybe rises a couple % more (or stays) I could then maybe refi right back to maybe Penfed, and get a fixed rate IF rates were still as low as they are now, and get on down to a 3% rate.Does something seem wrong about either of the above scenarios?
Anything else I should consider?
Seems too good to be true that I can start the ball rolling with cashcall, get the appraisal, and then choose to proceed or stop at no cost to me.He did not mention title insurance, but even on no cost refi's that is usually payed by the borrower.Best idea?
Conventional mortgage versus Home Equity Loan - for refinance
Added on : Saturday February 25th 2012 03:10:24 AM
I am thinking of refinancing my mortgage to take advantage of the low interest rates.
I talked to my bank and was offered a Home Equity Term loan (fixed rate for similar duration as my existing loan).
I have googled this loan and it appears there are no tax ramifications of taking a home equity loan. It also appears to reasonably low interest rate (not as low as 30 yr fixed morgage) and low refi costs.For those of you familiar with this subject, why would one take a home equity loan instead of a regular mortgage refi?Are there any considerations I shoul dbe aware of in consiedring this proposal.What are the pros and cons of either approach.Thanks.PS I am not upside down and have significant equity in my home.
The refinancing lender tells me that I am not eligible for refinancing because we haven't stayed in the house for atleast 1 year and we carry a FHA loan. Is this true? I tried searching but couldn't find the proof....
Request - Cheap places/things to do in St. Louis, Memphis & Nashville
Added on : Thursday February 23rd 2012 03:00:05 PM
Going with the family (one 9-year-old and one grandmother, so 4 total)to St. Louis during April Spring Break (4/6-15). Hoping to make St. Louis to Memphis to Nashville and back triangle in 8 days. We already have the airline tickets, but being a FatWalleter I'm interested in any special tips for saving some bucks or any hidden attractions one might miss. We'll probably do the standard Arch, Graceland, Lorraine Motel & Grand Ol Opry. The Shiloh Civil War battlefield is something we'll do also and my Mom wants to see the Loretta Lynn Museum (it's on the way from Memphis to Nashville). But we're hoping to squeeze in some more things.As for savings, I'll probably hit restaurant.com for the areas and see if anything is of interest (and passes muster with TripAdvisor, Yelp, etc.), plus I'll sign up for some hotel cards. I'll probably use a Travelocity-type site for the car rental and the lodging, unless you think booking directly is better. We do have AAA, so in a pinch that will work in a lot of circumstances. But is there any other angles I should be investigating.I noticed the NRA convention is in St. Louis for the back-end of our trip so I might need to book the 4/14 stay early. But, in general, should I book hotels early or wait until closer. Same with car rentals for that matter. As you can probably tell, it's been awhile since I've been on a big trip so a tad rusty on these things.Thanks for an advice.
Sears Conventional Oil Change $15 AC
Added on : Thursday February 16th 2012 06:51:04 PM
Valid 2/16/2012-3/4/2012Sears.com Coupons
FREE $20 GC with Valvoline NextGen Conventional OR MaxLife NextGen High Mileage Motor oil purchase O'Reilly Auto B&MPurchase five quarts or one 5.1 quart jug of Valvoline NextGen Conventional OR MaxLife NextGen High Mileage Motor Oil, return your used motor oil to your local OReilly Auto Parts store and receive a $20 OReilly Auto Parts gift card after mail-in rebate. Maximum rebate allowed is two gift cards per individual, household or addressAlso includes a Microguard filter.NextGen Conventional = $19.99 - $20 gift card = Free
NextGen MaxLife = $22.99 - $20 gift card = $3Promo is from Feb 15 to May 31. Rebate must be received by June 30You Need to Send:
- sales receipt dated within the promotional period
- one tamper proof ring from quart, or one foil seal from large size containerLimit 2 rebates per householdLINKY
FREE $20 GC with Valvoline NextGen Conventional OR MaxLife NextGen High Mileage Motor oil purchase O'Reilly Auto B&MPurchase five quarts or one 5.1 quart jug of Valvoline NextGen Conventional OR MaxLife NextGen High Mileage Motor Oil, return your used motor oil to your local OReilly Auto Parts store and receive a $20 OReilly Auto Parts gift card after mail-in rebate. Maximum rebate allowed is two gift cards per individual, household or addressAlso includes a Microguard filter.NextGen Conventional = $19.99 - $20 gift card = Free
NextGen MaxLife = $22.99 - $20 gift card = $3Promo is from Feb 15 to May 31. Rebate must be received by June 30You Need to Send:
- sales receipt dated within the promotional period
- one tamper proof ring from quart, or one foil seal from large size containerLimit 2 rebates per householdLINKY
PEP BOYS Deals, Rebate Deals and DIY Oil Change Specials 2/5 to12 B&M
Added on : Saturday February 04th 2012 09:59:36 PM
Anco Profile Wiper Blades BOGO a/mir (w free install)Peak 50/50 Anti Freeze $6 a$5 MIR or full strength $8 a/$5 MIR(limit 2 rebates)Techron Fuel System Cleaner $6 (no rebate)3M Headlight Lens Restoration Kit $17.98Silver Star Twin Pack Headlamps $29.99 (a/$10 MIR)GUNK Engine Brite 2 for $7 (MB 2)LUCAS Fuel Inj Cleaner, Oil Stabilizer or Transmission Fix $10Goodyear 2TON Jack $20 (a/$5 MIR)2 for $8 mix/matchTurtle Wax Car WashTW Hard Shell Paste or LiquidArmor All 25 Ct WipesMothers Showtime Detailer***************************************************DIY Oil Changes$35 Mobil ONE (5 or 5.1 qts oil and Mobil 1 Filter) Limit 2 No rebatesor $32 Pennzoil Platn. Synth Motor Oil & PureOne Filter (filter up to $7 in value only)**************************************$19.99 Pennz. 5.1/5 Qt Conventional and Classic Filter$23.99 Pennz. High Mileage MO and Classic Filter
Columbia, SCFebruary 02, 2012
7:00 AM - 6:00 PM
Columbia Metropolitan Convention Center.
1101 Lincoln Street
Columbia, SC 29201
Toll Free: 1-800-264-4884
http://www.columbiaconventioncenter.com/
DONORS WILL RECEIVE
===================
1 - Free American Red Cross Lifesavers t-shirt
1 - Free Pound of Starbucks coffee
1 - Free Entry to win a pair of Delta Air Lines tickets
APPOINTMENTS
============
1) call American Red Cross 1-800-733-2767
2) Walk-Ins are welcomed
Columbia, SCFebruary 02, 2012
7:00 AM - 6:00 PM
Columbia Metropolitan Convention Center.
1101 Lincoln Street
Columbia, SC 29201
Toll Free: 1-800-264-4884
http://www.columbiaconventioncenter.com/
DONORS WILL RECEIVE
===================
1 - Free American Red Cross Lifesavers t-shirt
1 - Free Pound of Starbucks coffee
1 - Free Entry to win a pair of Delta Air Lines tickets
APPOINTMENTS
============
1) call American Red Cross 1-800-733-2767
2) Walk-Ins are welcomed
Re-fi, recasting etc?- experience needed!
Added on : Saturday January 28th 2012 06:11:53 PM
Hoping for some help here... After trying to re-fi our mortgage several times and several ways, over 6+ months, we decided it was best to wait for our lender to approve the HARP II program. I have been told that the lender will be participating soon. I'll save you all of those details, but trust me, we have explored every option and plenty of homework on this (including attorney).Again, I'll save all of the details, but we need to get our monthly mortgage as low as possible to rent it out (this property will be a very long-term investment - 25+ yrs). Refinancing through HARP II will be bring our rate way down (currently 6.75%!) and thus our monthly payment will drop a couple of hundred dollars a month. That's good but not good enough.My question is: generally speaking, and i realize this is very general, can you normally recast a mortgage after refinancing through HARP II (recasting to lower monthly payment not just lowering the maturity date)?I ask because we have a lot of money saved so we want to "buy down" the principal as well (yes, we will still have a large nest-egg fund, and $ for our second home plus some $). So if we re-fi through HARP II, we get the lower rate and lower payment... Then if we recast after that re-fi, with let's say $25K, we then buy down the principal at the NEW lower rate which means an even lower monthly payment... Almost sounds too good to be true...My lender does have a "qualification" process for recasting, but we meet the two preliminaries - being current and having a conventional loan (not FHA etc). So next question:Does re-fi'ing a conventional loan through HARP II keep it as a "conventional" loan or is it then a FHA which means we wouldn't be able to recast it after the re-fi?Hope that makes sense... My lender is having trouble answering the simple questions so hoping someone has the insight... I need to know because I find out we can't recast after the re-fi, we'll be in trouble so the the alternative is to bring that $25K to the table during the HARP re-fi but i already now that wont result in the same drastic drop in payment. Thanks!
[Need help] FHA surprises
Added on : Friday January 27th 2012 09:19:46 PM
We recently bought a new home. I had 20% down payment but at the last moment went with FHA loan since I was afraid with the Florida housing market. THis is our primary home. The lender assumed I did my homework and didn't question my move from 15 yr conventional to FHA loan. He thought I did my homework and just mentioned about the 1% FHA fee that is bundled into the loan. We thought this is fine since we are doing only 3.5% down payment.
My lender knew my credit score is 732 but still didn't question my move from conventional to FHA at the last moment.So we did the closing and I started working out plan for next 2 years. I always assumed that I'll wait for the market to steady in next 6-12 months and payoff to reach 78% LTV so that the FHA MIP goes away. Now, the following came as a big surprise to me1) The FHA MIP doesn't go away for 5 years
2) The FHA MIP amount stays the same even though the principal goes down every yearI am really upset about my move to FHA and I want to get out of it asap. Loan is $283K and 3.75% fixed interest FHA
P+I = $1274
MIP = $259I asked my lender that he should have atleast advised me to do 5% conventional with PMI. That PMI would have been $165 plus I would anytime give away remaining principal to reach 78% LTV and get rid of PMI. Also, my lender told me that I shouldn't be that upset because conventional interest rates are more than FHA. I really need some guidance here as I am a first time home buyer and went wrong with my first big financial move.Should I refinance to 15-year conventional right away or refinance to 15 year FHA which gives me the option to pay off and get rid of MIP?Please advice!! Thanks
Losing dental insurance. What are my best options for dental care?
Added on : Thursday January 26th 2012 03:14:05 PM
I'm a college student and will be losing eligibility on my parents' dental plan soon. For the time being, I won't have a job that offers dental benefits. So I need to decide what the best/most frugal options are for dental care.When does it make sense to get dental insurance? I've had my wisdom teeth pulled, orthodontic work done in the past, and had some fillings (kicking my soda habit), but there's a chance I might need 1 or 2 more in the future. Is it a possibility to have a (high-deductible) policy for "catastrophic" events, not just routine dental care and minor work?If I don't have dental insurance, what are my best options for regular cleanings/checkups, and other procedures if necessary? Here's possibilities I've thought of:
- Dental schools: i've heard these are a good option to get dental work done inexpensively. There's 2 of them in my metro area. Any opinions on this? Actual price (vs dentist), hurdles to getting service (income restrictions, waitlist, etc), or quality of work?
- Negotiating with dentist: how possible is it to negotiate a good deal from a "conventional" dentist if I'm not paying with insurance? Can I get a substantial discount on the "sticker price", maybe a little like uninsured folks do at the ER? I know it's not going to be 90% off or anything...i.e. they're not obligated to treat you as the ER is and often prices aren't so absurdly inflated (no $20 tylenol).
- Mexican dentist (for major work): this is only really a possibility if I'll need major work done, which is unlikely. As I understand, medical/dental professionals in other countries do pretty good work at a much lower price. You'd probably have to be talking $4000+ worth of work to make it worth the travel cost, time, and risk.
- Offers at Groupon (or similar): some dentists run offers for cleaning/x-ray/etc at a good price from time to time. But i'd be concerned about going to such a dentist. They do expect some return from selling their services at a loss on Groupon, and i'd think they would be more likely to push unnecessary procedures.Any thoughts? Thanks all!
Things to do In Williamsburg, VA in February?
Added on : Sunday January 22nd 2012 03:00:02 PM
Went to a home renovation expo yesterday at a convention center, and a time share place was there.Got a 4 night stay at their location in Williamsburg, VA next month for $289. It was good for anytime in the next year, but I already had a week of vacation scheduled for next month and have been looking for something to do.Its at "Kings Creek Plantation". Part of the gig is we have to sit through a 2 hour sales pitch on the whole time share thing, but whatever. Not interested, but I'll let them talk. We get a $50 visa GC afterwards though, so I'll sit down for $25 an hour and let them try to sell me on it.Taking my two 10 month old twins.
Any advice on things to do in the area at that time of year? I know there is a large outlet mall nearby, and my wife is interested in hitting some of the baby clothes stores.Also plan to drive to VA Beach on one of the days, go through the tunnel under the bay in Norfolk and if its warm enough walk the boardwalk on the beach.There is a large indoor pool included at the location, so we'll be hanging out there a bit too.Any other suggestions on things to do?Thanks!
http://www.sears.com/shc/s/p_10153_12605_00852051000PProduct DescriptionSet includes one table, 4 chairs.Multi-purpose
Great for holidays & entertaining
Easy to clean & store
Conventional compact fold
Get Motivated Seminar - $1.95 / ticket or $9.95 / group (Unlimited Tickets)
Added on : Wednesday January 11th 2012 06:32:07 PM
Don't know if anyone is interested in a motivation seminar. I'll share anyway. The GET MOTIVATED Seminar -
Hear inspirational stories and valuable career advice from great leaders with speakers like Rudy Giuliani, Colin Powell, Dan Marino, Laura Bush and many others. All of us can learn from the event as they discuss time management, team building, leadership, personal development, goal achievement, sales training, negotiation skills, financial management, investing, relationships, health and fitness, spiritual success, business strategies, motivation, customer service, communication skills, productivity, and much, much more! Upcoming events:
Las Vegas
Thomas & Mack Center
January 24, 2012
LinkTucson
Tucson Arena
January 18, 2012
LinkHonolulu
Hawaii Convention Center
January 31, 2012
LinkTulsa
BOK Center
February 13, 2012
LinkOklahoma City
Chesapeake Energy Center
February 16, 2012
Link
Link for Executive level tickets @1.95 instead of $39
(you can try to replace 7.0000 within the link for other cities for this upgrade.)Miami
American Airlines Arena
February 29, 2012
Link
Refinance my cars so I can refinance my house
Added on : Sunday January 08th 2012 09:32:34 PM
I want to refinance my house into a conventional 30 year loan to lower my interest rate and get rid of MIP. In order to do so, I will need to pull equity out of my cars so I can get 20% equity. To do this I am planning to get auto loans from Penfed, 60 months at 2.49%. However, I am not sure the best course of action since I know a rigurous credit check will be required to refinance the house and 2 new auto loans might not look so good. Here are some specifics:Current Mortgage:
- Remaining balance: $167,000
- 5.25% FHA
- 27 years and 3 months remaining
- Pay $77 in MIP each monthHouse:
- FMV per county assessor is $167,000
- Appraised for $180,000 3 years ago when new
- Located in midwest
- Bought as new constructionAssets:
- 2 cars worth $26,000 (kbb private party sale) or $24,000 (kbb trade in value) and are both paid off
- $15,000 I have set aside as my "car payments" after both are paid off
- $15,000 and $5,000 (ibonds liquid in June) in emergency fundsSo in order to accomplish this refinance I guess there are 2 options:1) Refinance cars, then use $15k and auto refinance to pay down house to 80% and then refinance house
2) Use some emergency funds and $15k to pay down house to 80%. Then refinance house. Then refinance the cars to replenish emergency funds.I am thinking about getting an appraisal to determine what exactly that 80% number will be.Any tips or suggestions?Edit:
Credit Karma is in 750s and my wife's is probably similar.

Honeywell RPLS730B 7-Day Programmable Timer Switch $20.66 @ Amazon
Added on : Wednesday January 04th 2012 06:27:55 PM
LINK+shipping if you don't have Prime4.5 Stars from 18 reviewsThe camel shows a low price of $24.30Technical Details
Sleek design mounts flush with standard decorative wall plate (not included)
Two operating modes: Manual (conventional on/off switch) Automatic
Programming: Up to 7 programs (7 on/off times) per week. A program can apply to a single day or repeat every day (a program that repeats every day is still considered one program)
Connection: 3 wire (line, load, neutral) (2400 W max)
Dimensions (HxWxD): 2.7 in x 1.8 in x 1.6 in
Leasing a car the FW Way
Added on : Friday December 30th 2011 03:20:31 PM
I tried searching and didn't really come up with anything. I'm mainly starting this topic for discussion purposes, as I don't really have any insight into the best way to lease a car, yet I "hear" things all the time about how there are great lease deals available if you're willing to dig around and do your homework. Things like loss-leader "ad cars," outgoing model year closeouts, unpopular/ugly models (Chevy HHR anyone?), car companies having "issues" (e.g. Toyota in early 2010).Obviously, conventional wisdom is that leasing (or even buying a car brand new) is a "bad deal." Just like "credit cards are a bad deal," which we on FWF know to be false, if you have the financial sense to make the product work for you. I know people on this forum as well as bogleheads have mentioned having ~$100/mo leases, presumably with nothing or minimal down. Are these type of deals even possible other than dumb luck? Anyone have any insight into how to score a deal so good on a lease that its better than hanging on to your beater car that will likely need more than $100/month in repairs over its remaining life?I would presume that any type of deal would probably require going with whatever model happens to be available at the best price, rather than the car that you might "really want." For example, I'm in the market for a new car, and considering the new SkyActiv Mazda3 models. But if I could lease, say, a base-model Civic or Corolla for $100/mo, I'd probably just go with that as that is even cheaper than I expect to spend maintaining and repairing my existing vehicle with about 100K miles on it.Please no stupid comments like "leasing is never a good deal" etc., we know that's the case most of the time, I'm looking specifically for the cases where you can come out ahead leasing a new car vs. buying used or maintaining an existing vehicle. I realize that with proper research and negotiation one can also get an equivalently good deal buying a new car, but for now lets stick to leasing as for many situations there is value in the guarantee of being able to dump the car easily after a set time period.
Mortgage backed by liquid funds - any experiences?
Added on : Wednesday December 28th 2011 03:24:58 AM
A friend recently approached me. He is in his early 60's and said he was looking to get a mortgage backed by his savings - as opposed to one based on income. He asked my opinion; frankly the concept was new to me.The fellow just sold his business and is therefore unemployed. He has about 4 years until going on social security and offically retiring. I don't know anything about savings or security backed mortgages. In fact, I had no idea they existed. From what I've been told by my friend - an amount is placed in a savings account that covers all, most or some of the loan. Here's the part I found interesting. It seems these mortgages are more expensive than a conventional mortgage. I was surprised. If the funds are banked and not touchable, one would suppose the loan would be cheaper. Anyone have experience with this type of mortgage? Any reference sources I can pass on to him? Happy Holidays! IC
TextSpecifications & Dimensions General:
Depth: 15.2 in
Digital Television Certification: HDTV
Dimensions: With stand
HDCP Compatible: Yes
HDMI Ports Qty: 3 port(s)
Height: 36.2 in
Product Type: 60" Class ( 60.1" viewable ) plasma TV
Series: VIERA S30 Series
Video Interface: Component, composite, HDMI
Width: 56.7 in
Dimensions:
Depth (in.): 2-9/10 in.
Height (with stand): 29 in. or more
Display:
Additional Features: On/off timer, VIERA Link, Pixel Orbiter, VIERA Tools, VIERA Image Viewer, game mode, x.v.Color, Deep Color, 3D Color Management, Super Resolution Technology (SRT), Motion Pattern Noise Reduction, Easy IPTV, anti-image retention
Diagonal Size: 60" Class ( 60.1" viewable ) - widescreen
Display Format: 1080p (FullHD)
Display Menu Language: English, French, Spanish
Image Aspect Ratio: 16:9
Motion Enhancement Technology: 600Hz sub-field driving
Progressive Scan: Progressive scanning (line doubling)
Resolution: 1920 x 1080
Technology: Plasma (PDP)
Total Pixels: 2,073,600
Widescreen Modes: Conventional 4:3, Full, Zoom, Just
Product Overview:
Resolution: 1080p
Number of HDMI Inputs: 3
Features: Internet capable
Type: Plasma
TV Tuner:
Analog TV Tuner: NTSC
Reception System: NTSC
Digital TV Tuner:
Digital TV Tuner: ATSC, QAM
Media Player:
Supported Audio Formats: MP3
Supported Flash Memory Cards: SD Memory Card
Supported Pictures Formats: JPG
Supported Video Formats: MPEG-2, AVCHD
Video Features:
Analog Video Input Signals: NTSC
Closed Caption Capability: Yes
HDTV Ready: Yes
Input Video Formats: 480p, 720p, 1080i, 1080p
Remote Control:
Type: Remote control - infrared
Audio System:
Additional Features: Audio Return Channel (ARC)
Output Power / Total: 20 Watt
Sound Output Mode: Stereo
Speaker System: 2 speakers
Speaker(s): 2 x right/left channel speaker - built-in - 10 Watt
Surround Mode: Yes
Connections:
Connector Type: 2 x HDMI input ( 19 pin HDMI Type A ) - rear
1 x HDMI input ( 19 pin HDMI Type A ) - side
1 x composite video input ( RCA phono )
2 x audio line-in ( RCA phono x 2 )
1 x component video input ( RCA phono x 3 )
1 x digital audio o
Stands & Mounts:
Flat Panel Mount Interface: Yes
Stand: Included
Stand Design: Tabletop
Power:
Nominal Voltage: AC 120 V ( 60 Hz )
Power Device: Power supply - internal
Miscellaneous:
Compliant Standards: cUL, UL 6500, Lead-Free
Dimensions & Weight Details:
Dimensions & Weight Details: Panel without stand - 56.7 in x 2.8 in x 34.7 in
Panel with stand - 56.7 in x 15.2 in x 36.2 in
Network & Internet Multimedia:
Connectivity: Wired
DLNA: Yes
Functionality: Digital audio playback, digital photo playback, digital video playback, Internet video playback
Internet Streaming Services: CinemaNow, Netflix, Pandora, Napster, Facebook, Amazon Video
Wi-Fi Ready: Yes
Internet Connectivity:
Internet Connectable: Yes
OCZ Vertex Plus Link
Rebate
OCZ Vertex Plus 120GB 2.5IN SATA2 Indilinx Arowana Solid State Disk Flash Drive SSD $119.99 and a $20 MIR with Free Shipping option.
OCZ Vertex Plus Solid State Drives are the faster, cooler, quieter, and more durable alternative to conventional hard disc drives. In combination with the latest flash memory, the Vertex Plus features the revolutionary new Indilinx Arowana FTL with HyperQueuing, which significantly increases sequential write speeds and random IOPS over the previous generation FTL. With excellent reliability and lower power consuming NAND flash, these SSDs use less energy while giving you real-world results in your everyday computing and battery life. Complete with TRIM support, Vertex Plus is the ultimate notebook or desktop upgrade.Compared to its predecessor, Vertex Plus features higher sequential speeds along with improved 4KB random write IOPS, while offering excellent uncompressed data performance. Thanks to cost effective NAND and controller technology, the Vertex Plus offers lower cost per gigabyte configurations than competing drives on the market, making them excellent starting points into the world of SSDs.Available in 60GB and 120GB capacities, the Vertex Plus Series is an ideal upgrade option for system boot drives, RAID arrays, or as primary laptop storage at an ultra-attractive price point. 120GB
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100 (L) x 70 (W) x 9.19mm (H)
Lightweight: 88g
Operating Temp: 0C ~ 70C
Ambient Temp: 0C ~ 55C
Storage Temp: -45C ~ +85C
Low Power Consumption: 1.5W in operation,
.3W in standby
Shock Resistant up to 1500G
RAID Support
MTBF: 1.5 million hours
3-Year Warranty
Compatible with Windows XP, Vista, 7 (32/64 bit), Linux, Mac OSX60GB Max Performance Max Read: up to 180 MB/s
Max Write: up to 90 MB/s
Random Write 4k (Aligned): 2,500 IOPS120GB Max Performance Max Read: up to 250 MB/s
Max Write: up to 160 MB/s
Random Write 4k (Aligned): 4,800 IOPS
Luxor Hotel Rooms starting at $28!
Added on : Wednesday December 21st 2011 06:28:31 PM
A Gift From Luxor!We sent your holiday gift a little early this year. Book this special offer today and save up to 20% off per night at Luxor. Plus, receive the following discounts at check-in: - $10 off Carrot Top, Fantasy and Menopause The Musical tickets- 2-for-1 Dos Equis at Tacos & Tequila (T&T)- FREE Admission for 2 at CatHouse Ultra LoungePromotion RunsDecember 21, 2011 - September 30, 2012Offer ExpiresDecember 23, 2011LuxorMore Details:
Based on availability and subject to blackout dates. Promotional rates available online only. Additional charges will apply to reservations made by phone. To book by phone, please call Luxor at 877.386.4658 and mention code LD1213. Offers in coupon are subject to change. One night deposit required to reserve your stay. Reservation must be in the name of the adult guest checking in. Nightly rates are non-commissionable to travel agents/tour operators and not available for convention/group reservations. Guest must be 21 or older to reserve this offer. This offer is non-transferable and may not be used in conjunction with any other offer or promotion including those from other MGM Resorts International properties. Some restrictions may apply. Not available for guests attending meetings or conventions. Management reserves the right to cancel or change this promotion at its discretion without prior notice. MGM Resorts International endorses responsible gaming. If you or someone you know has a problem gaming responsibly, please call the 24-hour Problem Gamblers HelpLine at 800.522.4700. 2011 MGM Resorts International. All rights reserved.
MasterCard 10% Discount Offer
Use your MasterCard card to buy a Frontier Airlines ticket and save 10%*.
Enter promo code "MCTEN" in the Promo Code box.
Purchase from December 12 through December 26, 2011.
Travel now through March 7, 2012.
*Terms and Conditions
The MasterCard 10% discount promotion is only valid for tickets purchased online at www.FrontierAirlines.com after registering the promo code "MCTEN" and using a valid MasterCard card as payment. The discount will automatically be given during the online booking process. Some restrictions and blackout dates apply, as follows:
Tickets must be purchased by midnight December 26, 2011 for travel now through March 7, 2012.
This discount may not be combined with any other discount or coupon offer including but not limited to free companion travel, convention discounts, vacation packages, group travel or charters.
Discount may be applied to any number of passengers in a single reservation.
Discount may not be used retroactively for any previously purchased ticket or in connection with or in exchange of any wholly or partially used ticket.
Offer is not redeemable for cash and has no value except when redeemed in accordance with these terms and conditions.
This offer is being provided exclusively by Frontier Airlines, Inc.
MasterCard and the MasterCard brand Mark are registered trademarks of MasterCard International Incorporated.
Other conditions may apply.AND FOR DOUBLE ELITE QUALIFYING MILES
Earn twice the elite qualifying miles and segments for every trip you take on Frontier and Frontier Express from December 1 through December 31, 2011.
You must register before flying, using promo code DBLEQ.
Miles/segments will count twice toward elite status qualification for Frontier flights December 1 through December 31, 2011. For example, if you earn 500 miles and 1 segment for a Frontier flight, it will count as 1,000 miles and 2 segments toward elite status. You must fly on published fare tickets and request EarlyReturns credit to qualify.
Promotion applies only toward elite status qualification and does not apply to base miles, which will be posted to your account at the regular rate.http://www.frontierairlines.com/frequent-flyers/hot-offers/promo...
TigerDirect offers the Sony BRAVIA 46" 120Hz 1080p 3D LED-Backlit Widescreen LCD HD Television, model no. KDL-46NX720, for $999.99 with free shipping. This TV features a Corning Gorilla Glass screen, which purports to be stronger, yet lighter, than conventional glass. Other features include a 1920x1080 (1080p) native resolution, 120Hz refresh rate, edge-lit LED backlight, WiFi-ready, Ethernet and USB, BRAVIA Internet Video and Widgets (with Netflix, Hulu Plus, Pandora, and more), four HDMI inputs, and VGA and other video inputs.
LINK
Quaker State Conventional Motor Oil 2.49/qt, Filter 1.99 @ Menards
Added on : Monday December 12th 2011 12:43:40 AM
Quaker State Conventional Motor oil 2.49 a quartQuaker State Oil Filters 1.99Through 12-18-11 at Menards They also have an off brand oil for $1.99
CNBC: Residential Housing Ready to Awaken?
Added on : Friday December 09th 2011 03:06:23 PM
Here is a CNBC article that I think some people here may be interested in reading. To me it seems fairly balanced with none of the usual hysteria and obvious bias that you often see in these types of articles as of late. The article can be found here: http://www.cnbc.com/id/45599691Here are a couple of snippets:
After half a decade of withering sales and slumping prices, there are strong and diverse signs that the single-family housing market is poised for a rebound. In some metropolitan areas, the market has bottomed, with both sales and prices on the rise and foreclosures on the decline. It has become increasingly apparent to us that the pieces for a housing rebound next year are beginning to fall into place, declared Barclays Capital analyst Stephen Kim in a recent note to investors. Proponents admit that the nascent rebound could easily be derailed, but stress that after years of government efforts to support sales and prices as well as the volatile impact of foreclosures, the market has regained a measure of normalcy. With the exception of really hard-hit markets, the vast majority is ready to turn around, adds Jerry Howard, president and CEO of the National Association of Home Builders, NAHB. "The Washington, D.C., area is not only ripe for recovery, they need to start building units.Nevertheless, skeptics overwhelmingly outnumber the optimists, given the false-starts of previous years, the economys sub-par performance, a new wave of distressed properties and the capacity for the European debt crisis to spook business, consumers and investors. I think its premature, says Richard Smith, CEO of Realogy, the nations largest real estate company, whose brands include Century 21, Coldwell Banker and Sotheby's International. We see little indications here and there. Transaction volume is improving. Prices are still under pressure. This isnt going to be one of those spiked robust recoveries. Smith is echoing the conventional industry calculus: that price increases follow sales growth amid consistently strengthening demand. Theres been little conventional, however, about this housing slump, which is one reason it's had so many false bottoms. Among its many firsts housing starts fell through 1 million annual units, foreclosures topped 2 million in three consecutive years, and home prices declined on a national basis. The catalysts to recovery are mostly the same: for potential buyers, residential rents have now risen enough to consider buying; existing-home inventory is the lowest in five years, while that of new homes is at a 40-year low; affordability is at a record high; delinquencies have peaked; consumer confidence is on the rise ; and job growth is accelerating. For investors, with a continuation of the gold rally in question, real estate is beginning to look like a viable inflation hedge alternative, while rising rents mean greater profits. A turnaround in the housing market will require continued improvement in the job market.The economy has created jobs 13 months in a row for a total of almost 1.9 million. Weekly jobless claims have been routinely below the key level of 400,000, and the national jobless rate is down to 8.6 percent. There are already signs in some markets that an improving employment picture is boosting housing demand and sale prices.In cities such as Tampa, Fla., South Bend, Ind., Grand Rapids, Mich., Raleigh, N.C., Wichita, Kan., and Green Bay, Wis.., the median sales price of an existing single family home increased 1-2 percent in the third quarter, during which time the jobless rate and/or payrolls growth improved dramatically. Even in the Cape Coral-Fort Myers, Fla. metropolitan area considered the epicenter of the foreclosure crisis a few years ago prices were just 1.4 percent lower in the third quarter than the previous year.Optimists say most of the uncertainty and fear is gone. The major driver of negative sentiment was that prices were going down across the market by large amounts, says Kim of Barclays. Buyers need to see a stabilization. A contributing element to that is the unwinding of government intervention whether to artificially spur demand as was the case with the first-time buyer tax incentive program of 2009 and 2010 and/or to retard and prevent foreclosures. Many regard those efforts as largely ineffective, if not counter-productive because they delayed the inevitable a deep descent to a market bottom, which has finally been touched.The numbers youre looking at you can trust, says Kim. "There are no exogenous factors. Though tight lending conditions and forthcoming regulations of the Dodd-Frank legislation are still an issue for some, sweeping housing finance reform is off the agenda for at least the next year. Youre back to the natural forces of the market, says Howard of the builders association.
Wells Fargo 3 step refinance simple interest??
Added on : Wednesday December 07th 2011 12:13:17 PM
I currently have a Wells Fargo Mortgage at 5.25%, was sent paperwork towards a lower rate thru the 3 step refinance program. 15 yr, 3.25 rate, but it it says simple interest vs a conventional mortgage. On 145k, difference is 50.00/mo.
Fellow F/W'rs, I'm looking for some advice. Here's my story. I'm 32, grew up in Ohio, moved to Florida with a girl in 2003, built a house, dumped the cheating fiancee, racked up credit card debt because i couldn't afford the house, met another girl, got married, paid of all our credit cards, had a baby, grew homesick for friends/family in Ohio, wife changed jobs for better family life, fathers health declining so he quitclaims me 12 acres of beautiful vacant land in Ohio, decided to move back to Ohio, listed the Florida house for sale, wife is pregnant again, 6 months have gone by, and here we are. Our house has been on the market for 6 months and we've only had 3 showings that all supposedly went well, but we've not received any offers. A full offer at listing price will satisfy the mortgage, pay the realtor and closing costs and we'll walk away with nothing. While I'd like to sell the house and make a clean break before I leave Florida, I'm considering using a property management group and renting it out until the market recovers.Wife is due with our 2nd child late February. We pay $400/month for part-time daycare currently. After the 6 week maternity leave is over, we'll be looking at around $1000/month for both kids. My mother doesn't work in Ohio and will provide free daycare. We can't afford to live on 1 income here in Florida.I work in the IT field and can line-up a job ahead of time once we decide we're moving. I can make the same salary and am the breadwinner. Wife will probably make less but cost of living is much cheaper so we should still be better off up there.So that gets us to the house. Eventually we would like to build a new house on the property my father gave us. In the meantime, I'm thinking I'd be better off taking advantage of our down market and buying an existing house as it would be quite a bit cheaper than renting. After we've built our house down the road, we can either sell the house or rent it out well over the mortgage (ie. $500/buy vs $800/rent).So the whole situation of moving 1200 miles across the country is a pita. If we just up and move to Ohio, we have to have a place to go to. Nobody wants to rent and especially not give us a mortgage until we're established in Ohio, however, we can't exactly get established if we dont have a place to live. I'm a jack of all trades, do it yourself'er who likes his freedom/privacy so I really dislike the idea of renting a place to live and would rather buy. Again, why pay someone $800/month when I can buy for $500 and I can do as I please. So, long story short, we're preapproved for a secondary residence mortgage through a lender in Ohio. We can do a conventional mortgage with either 10% or 20% down, have looked at lots of options, etc. I've been scouring the market up there for the past 3 months and have had realtors show several houses to my friends/family who are still in the area, they take pictures, give me their personal opinions, etc. Well, 2 days ago I found a house that I absolutely love. It's a bank owned foreclosure; brick ranch 3/2/2 on 1 acre, but it's being sold "as is". We've had a showing and someone broke out a window, stole all the copper piping, cut out some of the electrical wiring, ripped out the water softeners and stole part of the A/C (pretty much everything that's worth $$ at the scrap yard). The house is also in dire need of new carpet, new paint, and just lots of TLC. None of this is of the least concern to me, as the foundation is solid, and everything is level, square, true, etc, however, my mortgage consultant said "Nope.". He said it won't pass inspection and therefore they wont issue the mortgage. The property is Freddie Mac owned and everyone is saying they won't agree to fix the issues, nor would they agree to let me have someone come in to fix them before closing (my buddies could fix all the big issues for around $1k in pipe, electrical, etc). Supposedly there is a 203(K) streamline loan that lets you spend up to $35k to rehab houses, but it's more costly, higher points, higher interest rates, is a royal PITA and is also FHA and only works for primary residence (and since we work in FL, that's not going to fly). Also, I can fix all of these issues myself and would rather do that then have someone else do work that I feel isn't up to par (did I mention I was an obsessive-compulsive perfectionist?). This house went on the market Thursday, I called the same day, we had our showing Friday and I really would like to act fast as these properties usually receive multiple offers and are sold within a week or two. At the current moment, I think I only have 2 options though; 1.) Make an offer for full asking price (or higher) contingent upon the lender making the repairs (unlikely, but maybe it buys me time to come up with something else), or 2.) Make a cash offer and not deal with the inspections, etc.Ok, so that's where I really need the F/W help. The house is listed for 70k. I've got 20k in cash. At the moment, I've got 20k available on a credit union visa with a cash advance of 10.9%, I've also got a 10k line of credit at 9.25%. I was thinking I could apply for an increase to both my visa and the loc getting me a combined total of 50k (vs 30k currently) and then make a cash offer for like 60k or even 65k, buy the house, and then do a cash-out refi in either 6 or 12 months. the interest alone on the 50k would be like $426/month, but I'm not 100% sure what the minimum payment is... yeah, a CRAZY idea...I looked briefly into trying to do some type of cash-out refinance on the 12 acres I own, but there's no house on it, so I dont think I really I have any leverage that route.Another idea I had was to borrow against our 401ks. We've each got a couple of them; my largest being 25k, and hers being 20k. I haven't found any clear info on how this works through.Again, the ultimate goal would be to do a cash-out refi in 6-12 months for just enough to pay off my credit cards, or our 401ks, or if I can find a generous-enough friend. [I've offered a couple friends that I'd repay $60k if they loaned me $50k for 12 months; that seems fair, right?]. It's soo frustrating that I may lose out on a $70k house worth $120k because it needs $1k in repairs to pass inspection. More than likely it'll end up being a cash-deal from an investor, who puts $10k into fixing it up, and then re-lists it 4 months from now for $130k.Anyone have suggestions on which route to look into? Depending on what happens with this house, and buying another house, we'd be ready to make the move in March, and hopefully before May as I don't want to endure another summer down here. Thanks for any information you can provide.
2-Day Sale! Save 50-85% On Educational Games @ SimplyFun (Dec 4-5 Only)
Added on : Sunday December 04th 2011 06:22:12 AM
SimplyFun's TWO DAY Sale
Dec. 4-5 Only!
Quantities are limited!Save 50-85% on over 40 toys and games for kids.
Ground Shipment (10% of order total, $8 minimum)
https://simplyfun.com/twoday/I ran across this company at a homeschooling convention that the company I work for was exhibiting at. I was incredibly impressed by their toys and games. How well they were constructed and packaged. How they were geared towards both learning AND having fun. I liked their stuff so much, I purchased a few things for my son before the convention ended. I just got this email about their 2-day sale. The prices are excellent, and everything listed in this deal is a good deal and a good buy. I've seen their stuff. I've touched it and played with it. I've met their VP of sales. I like them a lot and wanted to pass along these savings to everyone here on FatWallet.Enjoy!Learning & Connecting... Through Play!
At SimplyFun, we make learning fun and easy for children and keep families connected. How? Through the powerfully simple concept of PLAY.

Play teaches children important academic, social and developmental skills. It helps them make sense of their world. From ABC's to saying please, children are hard-wired to learn through play.

Play allows important human connections to take root, to grow, and to flourish. It allows us to share with each other to really know each other as human beings.

And ultimately, play lightens our load. It relieves stress and creates joyful memories that we can go back to mentally to help us through our rough patches.

Play keeps our families connected!PS... Because they have consultants in every State, you will be charged sales tax.PRODUCTS:$8.00 $1.50 81% OFF!
3D BUTTERFLYThis whimsical 3D puzzle is made of lightweight balsa wood.$10.00 $1.50 85% OFF!
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40 WAYS TO CONNECTLet your kids know how much you love them - when they least expect it. Tuck a lunch note into a backpack, or make your kid's day with a "fun" coupon.$12.00 $5.00 58% OFF!
ADDITION WOOD PUZZLELearn addition with this clever and colorful puzzle. A great teaching tool!$32.00 $12.50 60% OFF!
ADVENTURES OF RILEY: PENGUIN RESCUEPacked with informative facts, twists and turns, get ready to travel across Antarctica and rescue five penguins. $18.00 $5.00 72% OFF!
BASEBALL ACROSS AMERICA 500PC PUZZLETake me out to the ballgame! Past and present baseball stadiums with interesting historical facts make this 500-piece jigsaw puzzle a "home run"!$25.00 $5.00 80% OFF!
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CRAZY MIXED UP ZOO GAMEThis memory game will challenge even the sharpest elephant! Guess which pair of animals just traded places. $12.50 $2.50 80% OFF!
CUTE CARD KITThis is a fun project for expressing gratitude and care in a playful way. Each set makes eight one-of-a-kind cool cards. $14.00 $2.50 82% OFF!
DINOSAURS 104PC PUZZLETravel across North America to the places where dinosaurs once roamed. Our 104-piece puzzle features 20 different dinosaurs such as the mighty Stegosaurus and Tyrannosaurus. Features a wealth of interesting dinosaur facts.$39.00 $15.00 61% OFF!
DREAM PIGA SimplyFun favorite, the Dream Pig encourages you decorate the outside and then fill it up with spare change as you plan for your dream-come-true! $22.00 $7.50 65% OFF!
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ENDANGERED SPECIES 500PC PUZZLEOur 500-piece standard jigsaw puzzle focuses on the preservation of some of the world's most unique and exotic species. Over 40 different endangered animals, reptiles, birds and insects.$18.00 $5.00 72% OFF!
FAMOUS GOLF COURSES 500PC PUZZLEFORE! Start down the path to the most popular golf courses in North America, Hawaii and the British Isles. Our colorful 500-piece jigsaw puzzle even lists phone numbers!$12.50 $5.00 60% OFF!
FUNGRAMSEach unique card is jammed packed with fun-filled activities, creative puzzles, and enjoyable games.$15.00 $5.00 66% OFF!
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HUEY ALPHABET WOOD PUZZLEYoung children learn the alphabet, colors and numbers while solving this brightly colored 33-piece wood puzzle. $34.00 $12.50 63% OFF!
IN10SITY A trivia game for everyone! All the answers are numbers from 1 to 10. $8.50 $2.50 70% OFF!
PAVEMENT PALS - CHALK & ACTIVITY BOOKTransform a sidewalk or driveway into a playground! Package includes 14 fun games and activities and 6 pieces of jumbo chalk.$32.00 $12.50 60% OFF!
PLEXTPlext is "the game of few words". Try to get through the letter sequence using the least number of words. $18.50 $5.00 72% OFF!
POWDER TROPICAL FISH PUPPETThere's Somethin' Fishy about this puppet... Or is he a long lost Chum?$18.00 $7.50 58% OFF!
RIBBITHop on a lily-pad, or another frog's back and get across the river! $42.00 $10.00 76% OFF!
SIMPLY CATAN Based on the worldwide bestseller Settlers of Catan. $17.50 $7.50 57% OFF!
SNEAKS Players wildly pass cards around the table to collect four of a kind. Once you do, grab a sneaker, sit back and laugh while everyone else scrambles. $19.00 $5.00 73% OFF!
SOMETHIN' FISHY How far will you press your luck? Reel in your catch now and save them? Or risk being eaten by a hungry shark... $8.00 $2.50 68% OFF!
SQUARED UP - DOMINOSThese fun puzzles will challenge even the most accomplished puzzlers. Put together the nine colorful squares so their edges match perfectly.$8.00 $2.50 68% OFF!
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SUDOKU CHALLENGE / ZOODOKUBased on the worldwide Sudoku puzzle craze! $13.50 $5.00 62% OFF!
TAKE YOUR PICK : QRAZY QUANDARIESTake Your Pick between two tough choices! Would you prefer to wake up with floppy dog ears or a fuzzy bunny tail? $13.50 $5.00 62% OFF!
TAKE YOUR PICK: MOVIES, MUSIC & MOREHow well do you really know your friends and family? $34.00 $10.00 70% OFF!
TEXAS ROLL'EM Bring your best poker face to the table for Texas Roll'em - the dice game of bidding and bluffing that'll have everyone hooting and hollering!$8.00 $2.50 68% OFF!
TIBBAR CLOCK WOOD PUZZLEOur good buddy Tibbar and his friends help children learn to tell time. Movable arms, and 12 puzzle pieces. $28.00 $15.00 46% OFF!
TIBBAR'S EVERYDAY FELT ADVENTURESLet your child's creativity flourish as they exercise their imagination with hands-on fun! Featuring 88 full-color felt pieces and three story scenes. $24.50 $7.50 69% OFF!
TREASURE TROTEnter the world of Bella Sara. Have you met the lovely Bella, Thunder, Jewel and Fiona?$14.00 $2.50 82% OFF!
US STATE FLAGS 104PC PUZZLEHow well do you know your State Flags? Learn them all by putting together our 104-piece puzzle! Larger pieces make it great for both kids and adults.$12.00 $5.00 58% OFF!
US STATES WOOD PUZZLEMotor across the USA in a puzzling way. Matching the 50 states by shape and color is challenging and fun. Under each piece is also the state capital name.$34.00 $15.00 55% OFF!
WINDS OF FORTUNEFill the sails of your ship with wind as you navigate your way to the valuable jewels of a Lost Civilization! $39.00 $15.00 61% OFF!
WOODCHUCKBy tossing wood batons, the first team to knock over the opposing team's woodchucks and the King Woodchuck wins!$19.00 $7.50 60% OFF!
ZING!Zing is a trick-taking game like Hearts, with a crazy new twist.
OCIX.COM LinkOCZ Colossus LT 120GB 3.5IN SATA2 Solid State Disk Flash Drive SSD
$119.99 Free Shipping and No rebates.3.5" Solid State Drive / SATA II / MLC / 128MB Cache / Internal RAID 0 / Dual Controller Design / Enthusiast ClassThe Colossus LT 3.5 Solid State Drive Series is designed to meet the performance ideals of consumer desktop and enthusiast clients with cost-effective MLC NAND flash. The Colossus LT Series is the latest solution for prosumers and enthusiasts looking to take advantage of the benefits of SSD technology and maximize their storage arrays.Colossus LT SSDs deliver exceptional performance for high-end desktops and are the result of OCZs latest breakthroughs in flash based storage. Designed to offer PC enthusiasts a best-in-class storage upgrade from traditional hard disc drives, the innovative Colossus LT Series features incredible speed and ample storage for the complete gamut of gaming, multimedia and demanding productivity applications. The Colossus delivers all the proven benefits of SSDs such as superior system responsiveness, ultra-fast data access, and greater durability, while providing the storage capacity desktop users demand.Available in 120GB, 250GB, 500GB, and 1TB (1024GB) configurations, the Colossus provides ample room for the complete spectrum of desktop applications. In addition, this series has an excellent 1 million hour mean time between failure (MTBF) and comes backed by a leading 3-year warranty and dedicated technical support, ensuring peace of mind over the long term.Important SSD notes:
Solid State Drives DO NOT require defragmentation. It may decrease the lifespan of the drive.Consumers may see a discrepancy between reported capacity and actual capacity; the storage industry standard is to display capacity in decimal. However, the operating system usually calculates capacity in binary format, causing traditional HDD and SSD to show a lower capacity in Windows. In the case of SSDs, some of the capacity is reserved for formatting and redundancy for wear leveling. These reserved areas on an SSD may occupy up to 5% of the drives storage capacity. In OCZs Indilinx-based 3.5" SSDs, the naming convention reflects this and the 250 is equivalent to the 256GB, the 500 is equivalent to 512GB, and so on.Rated speeds may vary slightly depending on the benchmark used, drivers, windows version, bios version and file size. We recommend using ATTO and IOMeter for benchmarking RAIDed SSDs.
Creative way to refinance my house.. thoughts?
Added on : Wednesday November 30th 2011 03:07:11 PM
Hello all,I wanted to get your opinion on a creative way I have come up with to refinance my house. I think it is an excellent plan, but wanted to see what the fellow FW'ers thought. Here are the details:- Single family home bought 3 years ago for $110,000.
- 30 years conventional @ 6.375% through Citi.
- P&I payment is currently $681.58.
- PMI of ~$96 per month.
- Balance on loan is $105,000.
- I only plan on staying in this house another 5 years MAX.I have been wanting to refinance to a lower rate and shorter term while getting rid of PMI. The most attractive option for my situation is Penfed 5/5 with no closing costs, given my timeframe for staying in the house. However to get rid of PMI I need to bring ~$21,000 to the table since I think the house will appraise for close to what I owe.I could pull this out of my savings but I am self-employed and need the flexibility of a large emergency fund and this would cut it in half. So here is the creative part. I have two vehicles, a work truck and a Jeep that I drive in the summer. Here are the details on them:Jeep
- Owe $13,000
- NADA Retail is $25,000
- 2.49% through PenfedTruck
- Owe $20,000
- NADA Retail is $29,000
- 4% through ChaseI was planning on refinancing the truck through Penfed at their 1.99% rate and realized that they will loan up to the NADA retail amount and cut the difference to me as a check. So I was thinking of doing that and then do the same on the Jeep to get my $21,000 to get the home loan down to 80% LTV.This would allow me to lower my interest rate significantly on the $105,000 and get rid of PMI. It would also allow me to keep my current balance in my emergency fund. Obviously my vehicle expenditure would go up approximately $450, but I get reimbursed through my company for their use so there is some tax savings there. Additionally my P&I would go down ~$320 and the removal of the PMI would make the out of pocket per month almost a wash.Sound like a good plan?-Josh
Bosch 18-Volt Li/Ion Compact Drill Driver $131.94 Shipped Amazon
Added on : Saturday November 26th 2011 12:22:11 PM
LinkBosch DDS180-02 18-Volt Compact Tough Drill Driver with 2 1.3Ah Batteries at Amazon
Comes up as $151.94, add to cart and with special promo knocks $20 off at checkout. Great drill at a great price! The DDS180-02 is optimized to worke at two speeds--one for high-torque applications (0-500 RPM) and one for high-speed applications (1,700 RPM)--and it provides a maximum of 600 inch-pounds of torque. The 4-pole open-frame motor and newly developed gearbox provide exceptional power for such a compact drill/driver. The 18+1 clutch settings included in this Compact Tough model and a variable-speed trigger help you match the best speed to the job, so you can achieve precise results. It can drive 500 screws per charge using the BAT619G 3.0 Ah HC battery (not included).Balanced Design and Easy Bit Changes
This drill/driver's Durashield housing is constructed with ABS/nylon composite, which makes the housing flexible on impact. Unlike competitive tools, which use a conventional plastic housing, Durashield will not crack and can easily withstand 10-foot drops.The ergonomically designed handle and soft-grip wrapped housing offer a comfortable fit for extended working time. The DDS180-02 comes complete with a single-sleeve 1/2-inch auto-lock chuck for one-handed bit changes, as well as increased drill-bit capacity for versatility. And for even greater convenience, LEDs provide illumination when you are working in dark or enclosed areas. Flexible Power System
Like all tools in Bosch's 18-volt line, this drill/driver can be used with either a 1.3 Ah Slim Pack battery (model BAT609), a 2.6-Ah Fat Pack battery (model BAT618), or a 3.0 Ah Fat Pack HC batter (model BAT619G). If you're looking for a lightweight option, the Slim Pack is the perfect choice. If longer runtime is what you need, the Fat Pack will do the job. ProVantage Guarantee
The DDS180-02 comes with the ProVantage three-year protection plan, which guarantees two years of battery protection and one year of tool protection. Under this plan, you can receive two years of free battery replacements, tool replacement for one year, and a free tool repair package for the second and third years.

What's in the Box
One Bosch DDS180-02 Compact Tough drill/driver kit with two 18-volt lithium-ion 1.3 Ah Slim Pack batteries, one 30-minute charger, one carrying case, bits, and operating instructions.
        1
up to 70% off Daily DealDeals Expired at 23:59:59, 25th, November, CST.KINGSUN LED Spot Light GU1003WDI01 Features:
Brand New & High Quality
Light Color: Warm White
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Environmental Friendly: Saving 85% energy over conventional lamp.
40,000hrs Lifespan --- long life expectancy: 10 times longer than halogen lamp. 40 times longer than incandescent lamps.
4W -- Low power comsuption. Be friendly to environment.
160 lm -- High Illumination: Make a room brighter.
G10 Socket: Easy installation. no transformer needed
New design of heat sink structure
$139.99 - 20 % off ( code: CON20HH4 ) + $30 Kohls cash = $82 net + taxlink, some good reviews$142 on amazonsome other deal "sweeteners"10% bonus Cash Back through chase freedom
10% bonus Cash Back through discovercard
FW Cash BackPatented three-way cooking technology combines infrared, convection and conduction technology to cook quickly and thoroughly while retaining moisture and flavor.
Infrared capabilities let you prepare fresh or frozen foods in half the time of a conventional oven.
Digital key pad offers precise control of cooking times and temperatures.
Nonstick cooking and grill racks lift meats to let fat drip away.
Three-inch extender ring increases oven capacity by 50 percent, allowing you cook up to a 16-pound turkey.
Silicone pizza liner, flipper and server lend convenience.
Details: 11-piece set includes: pro power head, dome, 3-in. extender ring, cooking rack, liner pan, base tray, dome holder, pizza flipper, silicone pizza liner, pizza server & grill rack
Dishwasher safe dome, extender ring, racks, pizza accessories & liner pan
Manufacturer's 1-year limited warranty
Model no. 20322
As Seen on TV
LG 42-Inch 1080p 120Hz LED-LCD HDTV $499 Shipped @ Amazon Gold Box
Added on : Thursday November 24th 2011 03:35:14 AM
http://www.amazon.com/gp/goldboxProduct Features
LG's LED technology provides a slim profile and delivers amazing brightness, clarity and color detail, as well as greater energy efficiency compared to conventional LCD TVs.
TruMotion 120Hz technology lets you see sports, video games and high-speed action with virtually no motion blur
Full HD 1080p gives it superior picture quality over standard HDTV. You'll see details and colors like never before.
Technical Details
Brand Name: LG
Model: 42LV4400
Display Technology: LED-lit
Display Size: 42.0 inches
Image Aspect Ratio: 16:09
Image Contrast Ratio: 100000:1
Resolution: 1080p
Refresh Rate: 120
Skyway Proline 22in Carry-On - Black $69.99 Shipped @ e-bags at e-bay
Added on : Saturday November 19th 2011 03:12:26 PM
http://www.ebay.com/itm/Skyway-Proline-22in-Carry-On---Black/150...Designed by flight crews from airlines like Alaska and Delta, the Skyway Proline 22" Carry-On offers maximum efficiency. This carry-on has a roomy interior and main compartment that expands by 2". There are two large exterior pockets and a telescoping handle that locks.Eco Friendly- As a part of Skyway's ongoing commitment to reduce our environmental impact and in appreciation of you, our customer, Skyway is making a donation to Conservation International, which works globally to safeguard the natural resources upon which we all depend.
Zero Gravity Construction- ProLine features Zero Gravity frame construction that is fully flexible for maximum protection of contents in transit. It is lighter and stronger than conventional frame construction, helping to keep packed luggage below most airline-enforced weight restrictions.
Automotive Style Quiet Wheel System- The Skytrack Carry-On Vertical is equipped with a durable Automotive Style Wheel System. The high impact wheel housings are mounted at the outside corners of the cases to ensure superior stability and smoother operation over a variety of surfaces.
Handle System- The vertical case comes complete with our ergonomic comfort-padded handle and Lock-Up/Lock-Down handle system. This handle system has two locking positions, locking the handle in a fully extended or a half extended position which allows for better ergonomic control. Once in the locked down position, the handle stores in low profile mode.
Fabric- ProLine is constructed of ultra durable water and tear resistant nylon. The nylon is coated in Element Barrier, which extends the life of the already durable fabric. Each piece is fully lined to protect the contents of the case.
Premium ID tags- A privacy ID stows within the exterior side panel of the bags. It is connect with elastic, so it is easy to pull out and view, but will not detach from the bag.
Incredibly Soft Mesh- Interior pockets and packing arms and accented with ProLine's extremely soft yet durable mesh material. It is not only comfortable to the touch, but is a great design aspect.
Expansion- The vertical case is expandable for up to 2 inches of extra carrying capacity. The expansion zipper is easy to locate among the main compartment zippers, as it is striped in red.
Zippers and Hardware- ProLine features self-repairing nylon zippers with Smooth-Zip movement that are easier than ever to open and close- even when the case is fully packed.
Removable Attach-Mate Add-a-Bag Strap- ProLine comes complete with a removable Attach-Mate strap for hands-free carrying convenience. When not using the strap to attach a smaller piece to your vertical or carry-on piece, the strap snaps out of place and can be stored in one of the many exterior or interior pockets of the rolling case.
Mesh Zippered Pocket- A mesh zippered accessory pocket hangs from the top and bottom interior of the Skytrack Vertical Carry-On. This is a convenient place to store toiletries and other frequently reached for items.
Back Panel Document Pocket- The back exterior of the ProLine piece features a zippered compartment that will perfectly fit a legal pad. This makes for quick storage or removal of work documents or files. The zipper pull has a snap feature, so when the compartment is zipped shut, it snaps into place for added security.
Internal Packing Arms- The vertical comes complete with interior packing arms fabricated in the softest quality mesh and Quick-Clasp buckles to secure packed items during transit and reduce wrinkling!
Suiter System- Found within the interior of the lid pocket, the suiter system features an adjustable hanger clasp and packing arms to securely grasp and reduce the wrinkling of your finer garments when in transit.
Shoe pockets- Large elastic shoe pockets can be found on the lid pocket of the Skytrack Carry-On. This keeps often dirty shoes separated from clean garments.
No-Tip Carry Handle- The Skytrack Vertical Case has a No-Tip Carry Handle located on the bottom of each rolling case. This handle not only acts as an extra stabilizer for the case when in the vertical position, but the handle is extremely simple to grasp and it's durability makes for easy maneuvering in and out of tight positions, be it an overhead compartment or the baggage claim belt.22 x 14 x 10
Skyway
http://www.amazon.com/gp/product/B000LJUS4IDescription:
Amazon offers Glock Pistol 3 Dot Front And Rear Night Sight Set. Bright & Tough Self Illuminous Night Sight SetGlock 17/17L, 19, 22, 23, 24, 26, 27, 33, 35, 37 - Green front & rearSelf-illuminated metal sight - No batteries required - 12-year power source (tritium) - Lifetime Warranty - Assembled in the USA
Three-dot iron sights that increase night-fire shooting accuracy by as much as five times over conventional sights
Each lamp is capped with a sapphire jewel to help evenly distribute the light while protecting the lamp from solvents and puncture
Contained within aluminum cylinders for additional protection Lamps are mounted on silicon rubber cushions to withstand shock and heavy recoil
Green lamps are warranted for 12 years from the date of manufacture
Fits Glock models 17/17L, 19, 22, 23, 24, 26, 27, 33, 34, 35, 38 and 39
ASIN: B000LJUS4I
Item model number: GL01 Thanks Mark
Newegg has SAMSUNG HW-C700 7.2-Channel Receiverfor $179.99 shipped through 1SaleADay.Specs look pretty good for the price: 4 HDMI inputs, supports 3D, 120 Watt per channel...
BrandSAMSUNG
ModelHW-C700
Channels7.2-ChannelProcessing
Power Output120W x 7
Frequency Response20Hz-50kHz
DecoderDolby Pro Logic, Dolby Digital Plus, Dolby Digital TrueHD, DTS-HD
Multi ZoneYesConnectivity
HDMI4 In / 1 Out
iPod CompatibilityCompatible with iPod (cradle included)Features
FeaturesCrystal Amp ProMulti-channel inputMulti-roomDigital amplifierVariable powerHDMI 1.4 for 3DSmart volumeAuto Sound Calibration (ASC)3D Surround true HD audio decoderDimensions & Weight
Dimensions16.93" x 6.46" x 14.49"
Weight13.2 lbs.Manufacturer Warranty
Labor1 year limited
Parts1 year limited
Please note that the power rating is at 6 Ohm, not conventional 8 Ohm.
Ad is effective 11/13-19 and OVERRIDES the month ad that is online. This one is not yet online. SALES VERIFIED BY MR. CHEAP. Call your local Pep Boys is you don't believe this post!!Peak 1million Candle Spotlight $10 less $10 mir = FREECyclone Air Compressor Mini $20 - $5 mir = $15 sku MF1040Dura Max 113 Pc Tool Set (UA50051A) $20- $5 MIR
or Trade Pro 164 pc set $30- $5 MIR sku 837364Trade Pro 18v Cordless Drill #836710 $20 - $5 MIRTorin two ton Trolley Jack $20 less $10 MIR = $10 #T82002PEAK PWER INVERTERS $10 a $30 MIR 400 Tailgate or Household to to 12v in car use (SKUs PKCOBO or PKCOAJ-03)Champion Platnm. Spark Plugs 48cents ea after $2MIR limit 16Peak Jump Starter 600amp $27.99 after $10mir #PKCOAODIY Castrol GTX Oil Change $12 a/MIR (inc 5qts castrol conventional MO and classic Castrol oil filter)Silver Star ULTRA TWIN PACK Headlights $34.99 (after $15mir)3M Headlight Renewal Kit $19.99 (after $5mir)BOGO a/MIR RainX Repel Wipers
Skyway Sigma 3 22" Vertical Carry-On for $29.99 w/ FS @newegg
Added on : Friday November 11th 2011 09:30:06 AM
linkCondition: Brand New
In Stock: Usually Ships in 2 to 3 business daysThe Skyway Sigma 3 21" Vertical Carry-On features Skyway's Zero Gravity frame construction. The frame is stronger and 33% lighter than conventional metal frames yet it is fully flexible for maximum protection of contents in transit. The light weight keeps your packed luggage below most airline-enforced weight restrictions while the durability means that this carry-on will last you through many weekend trips.
AMMO, Remington UMC 9mm Luger 147 grain $195.90 Shipped @ sgammo
Added on : Wednesday November 09th 2011 12:30:28 AM
http://www.sgammo.com/product/remington/500-rd-case-9mm-luger-14...Special Purchase, Limited Suppliesget 2 cases, 1000 rounds, for only $179.90+16 shipping500 rd case - 9mm Luger 147 grain Remington UMC Flat Nose Enclosed Base LL9MM9 Brass case reloadable AmmoA must have for shooters that frequent indoor ranges, UMC leadless cartridges virtually eliminate lead exposure at the firing line. The specially designed flat nose enclosed base bullet actually prevents the vaporization of lead from the bullet's base upon firing. Also, these cartridges feature the industry's best heavy metal free primer. Standard bullet weights duplicate the ballistics of conventional loads
http://www.boscovs.com/StoreFrontWeb/Product.bos?assortmentId=76...Promo NOVPRIV
Lionel The Polar Express G-Gauge
Heres a handsome addition to the Polar Express product line an exquisitely crafted G-Gauge train set that can be run on rechargeable battery technology. You can operate this train using a 9.6 volt rechargeable battery (not included) or use six conventional C batteries (which are included) its your choice! The set also comes with an easy-to-operate RC remote controller (with two AA batteries included). But what sets this set apart is the unmatched craftsmanship. The engine and tender have details never before seen in a G-Gauge format. The observation car has an endearing disappearing hobo feature. All of this is available at an unbelievably affordable price.
This item requires Heavy / Large Delivery. For further information, click on Delivery Choices and Costs. Item:#46774
Lionel The Polar Express G-Gauge Train $74.99 Boscovs
Added on : Saturday November 05th 2011 06:06:11 AM
http://www.boscovs.com/StoreFrontWeb/Product.bos?assortmentId=76...
Lionel The Polar Express G-Gauge
Heres a handsome addition to the Polar Express product line an exquisitely crafted G-Gauge train set that can be run on rechargeable battery technology. You can operate this train using a 9.6 volt rechargeable battery (not included) or use six conventional C batteries (which are included) its your choice! The set also comes with an easy-to-operate RC remote controller (with two AA batteries included). But what sets this set apart is the unmatched craftsmanship. The engine and tender have details never before seen in a G-Gauge format. The observation car has an endearing disappearing hobo feature. All of this is available at an unbelievably affordable price.
This item requires Heavy / Large Delivery. For further information, click on Delivery Choices and Costs. Item:#46774
Deal Pulp $49 for 2 night hotel stay in one of 30 cities.
Added on : Tuesday November 01st 2011 03:06:48 PM
Deal Pulp $49 for 2 night hotel stay in one of 30 cities.
http://dealpulp.com/deal/VGDestinations.com/339/for_2_night_hote...$49 for 2-Night Hotel Stay in One of 20 Cities and a $50 restaurant.com Gift CertificateWhy It's Fresh
Get a 2 night hotel stay for 2 guests in one of 20 U.S. cities
Receive a $50 restaurant.com so you can dine out on your trip
Most hotels are in the same class as Radisson, Sheraton, Days Inn, and MarriottVisit VGDestinations.comFine PrintLimit 3 per person. May buy 3 additional as gifts. Expires November 1, 2012. No shipping required. Residents of WA, CA, & FL are restricted from purchasing or staying. You may buy and use multiple codes to visit different cities 30 days apart. This voucher is meant for Monday-Wednesday arrivals. Weekends/holidays require extra fees. There is a one time processing fee of $15 to redeem the code. You are responsible for fee covering hotel tax of less than $12 per night. Read "Details" section for additional information. Once you purchase the deal, your code will be available INSTANTLY on DealPulp and can be redeemed by email.About Vacation Getaway DestinationsGet out of town! Are there two nights when you will be in another city this year? Better hold onto this one. Grab a few and visit a different city each month. Is the warm sun of Orlando, Florida calling your name inviting you to go visit the theme parks? Or rather try your luck in Las Vegas, Nevada where you can make foolish decisions and no one but Vegas will know. Maybe New Orleans, Louisiana is the place youve been waiting to sample the amazing restaurants while listening to smooth jazz. Take advantage of this before its going going gone.Destinations include ...Arizona: Phoenix/Scottsdale Area
California: Anaheim, Palm Springs
Florida: Orlando, Daytona Beach
Hawaii: Honolulu
Louisiana: New Orleans Area
Mexico: Cancun, Puerto Vallarta
Missouri: Branson
Nevada: Las Vegas, Reno/Lake Tahoe
New Jersey: Atlantic City
Pennsylvania: Pocono Mountains
South Carolina: Myrtle Beach, Hilton Head, Charleston
Tennessee: Gatlinburg/Pigeon Forge
Texas: San Antonio
Virginia: WilliamsburgDetails60 days notice is from the time of booking with Reservations. You must first allow time for the processing and redemption of your travel forms through online and regular mail. You must wait to this time to request dates. We will definitely try to accommodate your choice but you must accept that travel dates based on availability.This certificate is redeemable for a reservation form, offering two adults ages 21 or older to 3 days and 2 nights hotel accommodations at your choice of one of the destinations above. Reservations must be made at least 60 days in advance so plan early to receive and send your form. Weekends, holidays, travel within 60 days notice, and hotels within 150 miles of your address require extra fees which vary depending on the hotel you choose. You may not book with less than 15 days notice after redemption and processing.Dates near holidays and during conventions are usually not available with this offer. Accommodations for extra nights may be available for an additional fee at time of booking. This offer is not valid for group travel. In most cases you will be required to give the travel agency multiple travel dates just in case your 1st requested travel dates are not available. Reservations are subject to availability. No pets allowed. This offer does not include food, transportation, room taxes of approximately $12 per night, tips, incidentals, telephone calls or any item of a personal nature. Upgraded/additional availability may be available for additional fees/adherence to additional terms. If traveling with additional adults/children, additional fees are $25 per night per additional adult/child regardless of age (up to 2 more.) Destinations are subject to change without notice.This certificate has no cash value and is void where prohibited by law. No purchaser should rely upon representations other than those included in this certificate. The certificate holder is responsible for the terms and conditions as they apply on the date of redemption. Codes are e-mailed to you within 6 business days from your request to begin the redemption process. priyamvadha/op
http://shnoop.com/Features: Brand new AAA rechargeable batteries
1.2V 750mAh cells
Advanced Nickel Metal Hydride technology
Considerably longer run time than conventional Nickel Cadmium batteries
No memory effect means batteries can be recharged at any time, even when only partially drained
Batteries may be recharged in any NiMH battery charger (not included)
Brand New - BulkLowest price on the web!!!!
So First Time home buyer here, and I'll be shopping now for mortgages, I want to do FHA (Fico 690), and do 3.5% down. How do you go about finding the right lending institution to use? Are they all the same when doing FHA?When you do an FHA loan, your rates are the same as what a 30 yr conventional loan is, is that correct?
Dell HomeBundle of two (2) 24-inch Dell ST2420L 5ms 1080p LED-backlit HDMI LCD Monitors for $519.98 - $159.99 coupon code: 8WG6RQLLVZLJMW (expires November 3) = $359.99 with free shipping. That's $180 per display. Also, don't forget 2.67% FWCB... another $9.62 in your wallet...Highlights:
Viewable Image Size (Diagonal): 24 inches
Display Type: LCD display / TFT active matrix - LED backlight
TFT Technology: TN
LED Backlight Capable of Producing Deeper Blacks by Dimming Screen Light to a Much Lower Level than Conventional CCFL backlight LCD 1920x1080 pixels Resolution provides Sharp and Brilliant Images of Text and Graphics
8,000,000:1 Dynamic Contrast Ratio (Estimated) Ensures Crystal Clear and Ghost-free images, as well as Rich Color details
Connectors: DVI-D (HDCP), VGA, and HDMI
Fast response time of up to 5 ms (Black to white) helps prevent ghosting in fast motion video
Equipped with 250cd/m 2 (typical) brightness for outstanding and clear image display
Offers a horizontal viewing angle of 170 and vertical viewing angle of 160
Arsenic-free glass and mercury-free panel meeting Energy 5.0 compliance standards to help reduce your power consumption
Comes with 1-Year Warranty Coupon Code: 8WG6RQLLVZLJMW
2 Dell 24" LED-backlit Monitors (ST2420L) - $359 AC FS - Dell Home
Added on : Saturday October 29th 2011 09:11:13 AM
Dell HomeBundle of two (2) 24-inch Dell ST2420L 5ms 1080p LED-backlit HDMI LCD Monitors for $519.98 - $159.99 coupon code: 8WG6RQLLVZLJMW (expires November 3) = $359.99 with free shipping. That's $180 per display. Highlights:
Viewable Image Size (Diagonal): 24 inches
LED Backlight Capable of Producing Deeper Blacks by Dimming Screen Light to a Much Lower Level than Conventional CCFL backlight LCD 1920x1080 pixels Resolution provides Sharp and Brilliant Images of Text and Graphics
8,000,000:1 Dynamic Contrast Ratio (Estimated) Ensures Crystal Clear and Ghost-free images, as well as Rich Color details
Connectors: DVI-D (HDCP), VGA, and HDMI
Fast response time of up to 5 ms (Black to white) helps prevent ghosting in fast motion video
Equipped with 250cd/m 2 (typical) brightness for outstanding and clear image display
Offers a horizontal viewing angle of 170 and vertical viewing angle of 160
Arsenic-free glass and mercury-free panel meeting Energy 5.0 compliance standards to help reduce your power consumption
Comes with 1-Year Warranty Coupon Code: 8WG6RQLLVZLJMW http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&...
I am absolutely horrified at Car rental rates I am finding through all conventional channels so Requesting YOUR expert help!
* Fort Lauderdale (FLL) Airport any sized car (fuel efficient preferred)
* Car Rental starting Dec 20 noon to Dec 28 8am at FLL, flying in-out from FLL
* Family 2 + 2 kids = 4 with light luggage, 4-5 carry-ons totalCheapest rates are at dizzying levels of $500 or so:
1. many higher rates from car rental sites: e.g. $600 enterprise for compact size
2. even Travelocity i showing cheapest at $499 by Payless
3. Hertz was most ridiculous at over 650 -- I also used Hertz Gold free membership I got from previous FW thread but no go, also tried with a ford family member discount but not much reduction at all.Its it because of FLL ?
Due to Christmas peak rush? but have done this before in yester years w/o such high rates
Due to 8 days instead of 7 ? (can breakup or make it 7 and use hotel transport for last day
I was hoping for $19.99 /day type rates or in that range but these are atrocious!So looking for help -- I have Ford employee discount available (family member). what isthe best rate I can get for 8 (7?) days ?
TIA...
pizza perfecto stainless steel oven $38 shipped @ sportsmansguide
Added on : Wednesday October 12th 2011 12:08:06 PM
linkageSportsmansGuide
said: The terrible truth of cooking frozen pizzas in a conventional oven is that even when you follow the instructions to a "T", it still might not turn out right. The reason? It wasn't built to cook frozen pizzas; it was built to be an all-purpose cooker!

Get the golden-brown cheese up top and crispy crust underneath you love every single time in this Pizza Perfecto Stainless Steel Pizza Oven! No preheating required, and it cooks your 12" "pie" in 8-12 minutes! Great for cheese bread, pretzels, bruschettas and more!

Made with high-grade stainless steel for long-term durability; easy to clean, as well
30-minute timing with auto shut off
Removable drawer with folding stay-cool handle
Removable crumb tray for fast, convenient cleaning
Measures 18 x 7 1/2 x 14 3/4" and weighs nearly 15 lbs.
Pizza at it's best... get your Pizza Oven ONLINE now!price is $30 plus shipping
As I understand it, there used to be (through 2008 anyway) various (shady?) companies that would pay to use an elderly person's life-insurability. (Called STranger or investor Owned Life Insurance - STOLI or IOLI). In other words, they would pay an older person, say $5k or $10k or more maybe, to take out a life insurance policy on them (to resell to an investor). They were healthy people. State governments and insurance companies frowned on this, and it's probably not available anymore. BUT it does suggest that it's a good deal for a healthy 70 year old to use their own insurability by buying life insurance (on themselves for their heirs) - as an investment (YES I SAID IT!) - even if it's not needed as an estate tax planning tool. It is possible, from what I understand, that so many people over-pay for policies which they let lapse each year, that the insurance (mutual) companies can afford to sell policies which are a good deal to people who fund/use them optimally. I know the conventional wisdom is that life insurance is generally NOT a good investment. But apparently investors thought it was worthwhile in some cases. Any thoughts on whether it might make sense in this case: life insurance as an investment (for healthy 70 year-old), and if so, what kind?
LinkManufacturer's product page
Samsung S23A350H 23" Flat Panel LED Desktop Monitor
Only 2.3 inches thin!
HDMI and VGA Inputs
Mega Dynamic Contrast Ratio - Fast 2ms Response Time
29 watts power consumptionSamsung LED backlight technology has completely changed the way high-quality images are produced and has become the benchmark for energy efficiency. Behold the Samsung SA350 Series. At first glance, your eyes will be amazed by the crystal-clear picture quality no matter which angle you look at it. Then the impressive energy efficient features take over. Features like Eco Saving allow you to control how much energy the monitor consumes through an easy-to-use interface and the benefits dont stop there. The SA350 contains all of the key features that you would expect from a premium LED Monitor like an ultra-thin profile, stylish Touch of Color finish, and the latest features like HDMI connectivity for HD video that will make the SA350 the center of attention.
FeaturesSamsung S23A350H Key Features
Breakthrough Picture Quality with LED Technology
Samsung's LED monitors deliver a visually stunning picture quality that leaves you speechless. Just as youve seen in Samsung LED TVs, our LED monitors make colors more rich and the action more real than youve dreamt possible. Let the story come to life with vivid colors and crystal-clear detail.Watch Full 1080p HD Video with HDMI
Monitors arent just for computers any more. Now you can watch TV programs, movies, or play your game console on your monitor too. Simply select a monitor with an HDMI port and connect it to your cable box, BluRay player, HD game system, or any other device with an HDMI output. Best of all, you can connect your computer to different video ports (VGA, or an additional HDMI port) and switch back and forth without having to unplug anything. To switch between inputs, press the Source button on the monitor.Consume Less Energy and Run Cooler
Engineered with ecologically responsible consumers and businesses in mind, Samsung's LED technology reduces power consumption up to 40%--making our LED displays much more efficient than conventional LCD monitors. Your monitor will stay cool to the touch, even after a long day of hard work. Lower your monitors power consumption without sacrificing performance with an LED backlight.Ultra-Slim Design with Touch of Color Finish
Make an artistic statement with a design that naturally blends subtle color gradations into the standard computer monitor frame. Samsung's Touch of Color (ToC) design gives the glossy piano-black bezel frame a hint of red for a monitor that enhances any space. Also, LED technology enables striking, ultra-thin displays. As slim as 16.5 mm, LED monitors add elegance to your desk. They are also very lightweight, making them easy to lift and move.Manage Cables Easily
A stand tail at the base of the monitor creates a hook that keeps cables in place and organized. This simple design feature prevents cables from becoming a tangled mess, so your desk stays neat and clean.Perfect from Every Angle with MagicAngle
Ever look at your monitor from an angle? Did the display look washed out, distorted or just hard to see? Samsungs MagicAngle technology improves the off-angle viewing performance of the monitor so that it maintains superb image quality even if you are leaning back, lying down, or have the monitor mounted on the wall. Activating MagicAngle is simple. Just go into the monitor menu and select your screen position from one of four monitor angle settings. Once set, you can enjoy images in full clarity and color depth no matter what position the monitor is facing.Fast Response Time
With a response time of 2ms, you can be sure that your monitor will perform perfectly, even in the fastest moving scenes. This stunning, seamless motion imaging presents movies, games, and internet streamed content with precision and without the motion judder, blurring, and ghosting that can occur on a slower monitor, allowing you to enjoy a completely immersive viewing experience.Specifications
General
Screen Size 23" Widescreen (diagonal)
Cabinet Color High Glossy Rose Red Black
Series LED 350 Series
Resolution 1920 x 1080
Brightness 250cd/m
Contrast Ratio Mega Dynamic Contrast Ratio, Typical 1000:1
Response time 2ms
Viewing Angle (Horizontal/Vertical) 170˚/160˚
Colors supported 16.7M
Signal Input
Video Signal D-Sub, HDMI
Sync. Signal Separate H / V, Composite, SOG
Connectors 15pin D-sub (VGA), HDMI
Power
Power Consumption 29W (Typical)
Standby <1W
Features
Plug & Play Supported
Multimedia Speakers No
Special Features Eco Saving, Multi Screen S/W, Samsung MagicAngle, Samsung MagicBright3, Samsung MagicColor, Magic Tune, Off Timer, Customized Key, Image Size, DVI with HDCP, Touch of Color bezel, Windows 7 Certified
USB powered hub option No
Mac compatibility Yes
VESA Wall Mountable No
Stand Tilt
Dimensions
With Stand (W x H x D) 21.9" x 16.8" x 9.4"
Without Stand (W x H x D) 21.9" x 13.6" x 2.3"
Weight with Stand 6.8 lbs

What's in the Box: Samsung S23A350H Monitor with Stand
VGA Cable
Power Cable
http://view.email.tbccentral.com/?j=fef11c7775630c&m=fe9c1570706... Includes up to 6 Qts conventional multi-grade motor oil**
- Change filter
- 4-tire rotation***
- 22-Point Inspection
Expires 7 days from print out.

Most vehicles. Not valid with other offers. One coupon per customer. At participating locations upon presentation of this ad. See store for details.*Plus $3.00 disposal fee (where permitted).
**Other oils available at additional cost
http://view.email.tbccentral.com/?j=fef11c7775630c&m=fe9c1570706... Includes up to 6 Qts conventional multi-grade motor oil**
- Change filter
- 4-tire rotation***
- 22-Point Inspection
Expires on October 01, 2011

Most vehicles. Not valid with other offers. One coupon per customer. At participating locations upon presentation of this ad. See store for details.*Plus $3.00 disposal fee (where permitted).
**Other oils available at additional cost
Are my refinancing numbers accurate?
Added on : Friday September 23rd 2011 03:00:12 PM
So ... watching the Mortgage Rate thread finally led me this morning to look at a potential refinance.Our situation is a little more complicated than some others, because we have both a Mortgage Credit Certificate (MCC) and an FHA loan.I think I figured out all of the issues, and in the end, it looks like even if we could get a great rate, it would not make financial sense. However, there are some other reasons why refinancing might benefit us, so I was hoping a few others might look to see if I am missing something.Current owed is ~$170,000. Using the "low appraisal" website from the mortgage thread we get $179,000, which puts us just under 95% LTVCurrent rate is 5.375, P/I is ~$980. Escrow is $390 (including MIP of $77)Our MCC saved us $1400 in taxes last year (it is a 15% MCC). This savings will slowly go down each year. It equates to ~$115/month savings. We lose the MCC if we refinance (ANY refinance). We would lose the credit, but gain a deduction. Tax bracket is 15%, so a deduction instead of a credit would be ~$17/month. This means moving from the MCC to non-MCC is a loss of ~$98/month.Additionally, when figuring savings, if we pay $100 less interest a month, we also "lose" the tax deduction on that amount for both state and federal, which is approximately 23%. So in my calculations, I multiplied gross savings by .77 to get closer to actual savings. If we do an FHA refinance, we will have to pay ~$1125 in upfront MIP (taking into account the refund we will get on our first upfront MIP).Also, if we do an FHA refinance, our monthly MIP will increase to ~$155. As far as I can tell, even if we could get a conventional refi, PMI would be about the same.So ... currently we pay $980 + $77 = $1057, and have a savings of $98 with MCC, essentially making our current payment $959.
Any refinance would come with $78 more in MIP/PMI per month.
If we could wrangle a 3.75 rate, an online calculator put P/I at ~$787/month. Add the total MIP to this and it is $942. Making the raw savings a whopping $17/month, coming out to about $13 in savings per month once the loss in tax deduction is figured in. And this is not figuring in upfront MIP or the additional months of MIP that would be required (I am assuming a refinance resets the 60 months MIP is required for FHA). Unless I am missing something, it seems as though, even though rates are significantly less than what we currently have, they have to drop significantly more for a re-fi to make financial sense. Confirmation? Point out errors?
Refinancing
Added on : Thursday September 22nd 2011 12:00:08 PM
I'm a new homeowner and never done a refinance before, so forgive me my ignorance please. It seems that the 30 year will be diving under 4% here soon, possibly as low as 3.5%. We purchased our house earlier this year at 4.75% with no points. I've heard in the past that it can make sense to refinance when you can shave 0.50% off your rate, so I'm wondering if it might make sense for us.Details:Original purchase price $320,000
1st mortgage @ ~256k @ 4.75%. Monthly principal payment is $1335 ($1651 with escrows) ~254,450 remaining in principal. Settlement was at the end of April 2011.
2nd mortgage @ $40k @ 4.75% (in-laws helped us with down payment)
Both mortgages are 30 year conventional
We put down $25k of our own at settlement.The appraisal at sale was $320k and Zillow z-estimate is currently at $315k.Thanks for any suggestions anyone has!
LinkyOffers 42x ultra-telephoto zooming in a super compact body, thanks to the Intelligent Zoom function. It also features HYBRID Optical Image Stabilizer for beautiful, blur-free zoomingEasy-to-view 6.7 cm/2.7 wide LCD screen allows intuitive fingertip touch-operation. When shooting, you can use Touch Zoom to instantly zoom in and out by simply touching your fingertips, and Touch Shutter to automatically focus when shooting still images by simply touching the subject on the screenHYBRID O.I.S. corrects hand-shake blurring by combining the action of its hybrid optical and electrical image stabilization systems. Even when zooming, where hand-shake often occurs, both optical and electrical hand-shake correction make it possible to record beautiful images with approximately 2 times the hand-shake suppressing effect as conventional modelsCondition: New
Product: 1 Panasonic HDC-TM80 HD camcorder, 720p,
34x Optical Zoom, 16GB Built-in Memory
Color: Black, Red, Silver$362 at Amazon with good/mixed reviews
Priority Club Pointbreaks Hotels Updated (5,000 pts per night)The list of Priority Club Pointbreaks has been updated again. These are the hotels that you can book nights for just 5,000 PC reward points, so are typically very good deals. The rate is valid until Nov. 30, 2011...http://www.ichotelsgroup.com/h/d/6c/1/en/home?PIDHere is the US list (additional Pointbreaks also available, internationally):ARKANSAS
Holiday Inn NORTH LITTLE ROCKARIZONA
Crowne Plaza PHOENIX-AIRPORTCALIFORNIA
Crowne Plaza LOS ANGELES HARBOR HOTEL
Crowne Plaza IRVINE-ORANGE COUNTY AIRPORT
Crowne Plaza SAN FRANCISCO-INTL AIRPORT
Holiday Inn FRESNO DTWN-CONVENTION CENTER
Holiday Inn LOS ANGELES-INTL AIRPORT
Holiday Inn SAN DIEGO-RANCHO BERNARDO
Staybridge Suites SACRAMENTO NATOMASCOLORADO
Holiday Inn SUMMIT COUNTY-FRISCO
Staybridge Suites DENVER TECH CENTER
CONNECTICUT
Crowne Plaza HARTFORD-DOWNTOWN
Crowne Plaza HARTFORD SOUTH CROMWELL
Holiday Inn ENFIELD-SPRINGFIELDFLORIDA
Candlewood Suites LAKE MARY
Holiday Inn CORAL GABLES - UNIVERSITY
Holiday Inn TALLAHASSEE CAPITOL CENTER
Holiday Inn EXPRESS AND SUITES MIAMI-HIALEAH (MIAMI LAKES)GEORGIA
Crowne Plaza ATLANTA-AIRPORT
Crowne Plaza ATLANTA PERIMETER AT RAVINIA
Holiday Inn COLUMBUS-NORTH I-185IDAHO
Candlewood Suites BOISE-MERIDIAN
IOWA
Holiday Inn SIOUX CITYILLINOIS
Candlewood Suites CHICAGO-WAUKEGAN
Candlewood Suites CHICAGO-O`HARE
Crowne Plaza CHICAGO OHARE HOTEL & CONF CTR
Crowne Plaza GLEN ELLYN/LOMBARD
Crowne Plaza SPRINGFIELD
Holiday Inn CHICAGO WEST-ITASCA
Holiday Inn EXPRESS CHICAGO-PALATINE/N ARLNGTN HTS
Staybridge Suites AURORA/NAPERVILLEINDIANA
Candlewood Suites INDIANAPOLISKANSAS
Candlewood Suites KANSAS CITY-Overland PARK
Holiday Inn TOPEKA-WEST
Holiday Inn WICHITA EAST I-35
KENTUCKY
Holiday Inn UNIVERSITY PLAZA-BOWLING GREENLOUISIANA
Crowne Plaza LAFAYETTE AIRPORTMAINE
Holiday Inn BANGOR
Holiday Inn BATH (BRUNSWICK AREA)MICHIGAN
Candlewood Suites DETROIT-TROY
Crowne Plaza GRAND RAPIDS - AIRPORT
Holiday Inn DUNDEE-WATERPARK
Holiday Inn MUSKEGON-HARBOR
MINNESOTA
Crowne Plaza MPLS/ST PAUL ARPT-MALL OF AMERMISSOURI
Holiday Inn SAINT LOUIS - SOUTH (I-55)NORTH CAROLINA
Candlewood Suites DURHAM-RTP
Holiday Inn RALEIGH (CRABTREE VALLEY MALL)
Holiday Inn EXPRESS AND SUITES WILMINGTON-UNIVERSITY CTRNEBRASKA
Candlewood Suites OMAHANEW JERSEY
Crowne Plaza HOTEL PHILADELPHIA-CHERRY HILL
Holiday Inn PHILADELPHIA SOUTH-SWEDESBORO
Holiday Inn SADDLE BROOK
Holiday Inn SECAUCUS MEADOWLANDS
Holiday Inn SELECT CLINTON
NEW YORK
Holiday Inn BUFFALO-INTL AIRPORT
Holiday Inn MT. KISCO (WESTCHESTER COUNTY)
Hotel Indigo BUFFALO - AMHERSTOHIO
Crowne Plaza CLEVELAND CITY CENTRE
Crowne Plaza DAYTON
Crowne Plaza TOLEDO
Holiday Inn CINCINNATI-I-275 NORTHOKLAHOMA
Crowne Plaza OKLAHOMA CITYPENNSYLVANIA
Crowne Plaza PHILADELPHIA-BUCKS COUNTY
Holiday Inn ALLENTOWN CENTER CITY
Holiday Inn HARRISBURG (HERSHEY AREA) I-81
SOUTH CAROLINA
Holiday Inn EXPRESS AND SUITES GREENVILLE-I-85 & WOODRUFF RDTEXAS
Candlewood Suites DALLAS/MARKET CENTER
Candlewood Suites SAN ANTONIO NW MEDICAL CENTER
Holiday Inn BROWNSVILLE
Holiday Inn HOUSTON-SW-HWY 59S@BELTWY 8
Holiday Inn SAN ANTONIO INTERNATIONAL AIRPORT
INTERCONTINENTAL DALLASUTAH
Candlewood Suites SALT LAKE CITY-AIRPORTVIRGINIA
Candlewood Suites RICHMOND AIRPORT
Holiday Inn RICHMOND AIRPORT
Holiday Inn EXPRESS RICHMOND NORTHWEST I-64
Holiday Inn SELECT NORFOLK AIRPORT
VERMONT
Holiday Inn RUTLAND-KILLINGTON AREAWASHINGTON
Holiday Inn SEATTLE-RENTONWISCONSIN
Holiday Inn EXPRESS MILWAUKEE-WEST MEDICAL CENTER
Staybridge Suites MILWAUKEE WEST-OCONOMOWOCWYOMING
Holiday Inn SHERIDAN-CONVENTION CENTER Thanks athanfrost
Link$19.99 less $7.00 mail in rebate.
5 individual quarts or a 5 quart jug plus Fram filter.
Nextgen is 50% recycled oil. From what I've read, it's is supposed to be as good or better than conventional oil. I know it meets the Chrysler MS 6395 spec that my wife's Town & Country requires.
Got this offer in an e-mail from Volkswagen of Orange County:Click on the link for your FREE Orange County Auto Show ticket! - LINKYAdditional info here:Orange County
International Auto ShowSeptember 22-25 2011
Anaheim Convention Center
800 West Katella Avenue, Anaheim, CA 92802
714.765.8950Offer valid in CA only.
This refurbished Smart Oven's Element IQ puts the power where it's needed most. For each of the 9 pre-set programs, Element IQ delivers the right power at the right time and when adjusted to taste, it even remembers. Element IQ works much like the dimmer in your light switch-it can turn the power up or down. Instead of the 5 heating elements having a fixed wattage, Element IQ automatically puts the power where it is needed most for the specific cooking task. Not only does the Smart Oven heat up faster than a conventional wall oven, it's also more energy efficient than its predecessor, making it a kitchen tool you will use every day.AMAZON LINK
I am in the process of purchasing a Townhouse and could not get a conventional mortgage because of pending litigation with the Home Owners Association (Fannie Mae wouldn't approve the property). A little background on the pending litigation is that an owner is suing the HOA for 100K for damages as a result of a leaky roof. The litigation has gone no where. They are still in a pre-discovery stage. I just found out that the development is FHA approved. I am considering an FHA loan because I have been told that it would side step the Fannie Mae approval needed. I don't know much about FHA loans other than lower down payment and you pay upfront mortgage insurance and mortgage insurance for the life of the loan. Are there any other PROs/CONs that i need to know about FHA loans?
Hello,
I have a problem I hope you smart folks here can help me with.
I have a construction loan with a local regional bank.
I built a home on 30 acres which was financed as well. I want to now refinance with them into a conventional loan. They are now requiring me to reduce my lot size to 5 acres before they will approve it.
I thought I could divide it up into two tax parcels but that didn't fly. They require a legal lot subdivision.
I applied for a subdivision. The county informed my neighbors and they have protested because of the access road. I have an ingress / egress easement which is shared with the easement grantor and one other neighbor. In order for the access road to be approved for the subdivision it will have to be updated to a new set of county standards unless the neighbors agree to a variance.
They will not do that. It will cost tens of thousands of dollars to bring the road to code and I cannot affored it. I am not sure if it can really be brought up to code because of issues with a stream next to the road and an extreme grade that would need to be reduced which would hinder access to one of the neighbors driveway.
I am open to any advice. I am desperately low on money and really need this refi to reduce my rate. Thanks.
http://www.amazon.com/exec/obidos/ASIN/B001T4ZC7M/Tax in KS, KY, ND, NY, WA.
Parents can protect toddlers--with their maximum mobility and minimum logic--by pasting plastic on electrical outlets and putting poisons out of reach. But protecting teenagers is not so simple, says family psychologist and author of Raising a Nonviolent Child John Rosemond. "Short of solitary confinement, you can't guarantee that a teen won't use drugs, shoplift, drink or crash the car. In the final analysis, teens must protect themselves." Rosemond's Teen-Proofing provides parents with tough-love strategies for managing teens so they make self-protective, rather than self-destructive, decisions. Many parents will recognize the error of their ways in Rosemond's portraits of parents as "micro-managers" who try to control their children and "wimps" who let their children control them. He offers a compelling alternative by urging parents to be "mentors, who realize they can control the parent-child relationship, but not the child." The author explores critical parent-teen issues including curfews, cash, cars, and cohorts--detailing an approach that gives teenagers a "long rope" to make their own mistakes and also offers "creative consequences" to encourage responsible decision making. The author offers smart and seasoned advice--from coping with middle school "tweenagers" to understanding why teens are vulnerable and how the culture diminishes a parent's influence. Yet he undermines his clarity with snide asides about mental health professionals and one too many smug and self-congratulatory examples of his own parenting of a son and daughter. These distractions are unnecessary; the book's unconventional and provocative suggestions will speak volumes to parents of teens. --Barbara Mackoff
Free Tickets to Orange County International Auto Show + 1yr Motor Trend
Added on : Friday September 09th 2011 03:00:26 PM
COMPLIMENTARY TICKETS to the Orange County International Auto Show, September 22-25 at the Anaheim Convention Center. The OC Auto Show, produced by Motor Trend, is going to have the hundreds of new cars, trucks, sport/utility vehicles and alternative fuel vehicles. From the hottest new models to show-stopping entertainment, the show offers something for everyone. Click on the link for your FREE Orange County International Auto Show tickets! COMPLIMENTARY TICKETS as well as a FREE one year subscription to MOTOR TREND magazine!http://www.autoshowtickets.com/oc/index.aspPromo Code: OCLEXWESThe ticket to the show is printable. Free ticket is valid on Thursday and Friday, and you get B1G1 on Saturday and Sunday.Offer valid in CA only.
http://www.pepboys.com/featured_products/1899_pennzoil_diy_oilch...
GFE (Good Faith Estimate) Changed with Higher costs - need help
Added on : Friday September 02nd 2011 12:00:08 AM
Hello Fellow FTers,This is my first post so please go easy on me. I have been lurking like many other users and I apologize that for my first post I am reaching out for help rather than offering help.Here is my situation:I am in the process of purchasing a house. I locked in a rate with one of the service providers and they were great in helping answer questions and working through the process. I was initially going for a Conventional Loan. I provided all the docs as were required. I was assured numerous times a week back that everything was good to go and only thing remaining was the appraisal to go to settlement. Once the appraisal came in they found issues with the various bank deposits and initial agreement on the down-payment and said my loan could not be approved. The only way to approve any loan was to do an FHA. I did that and reworked the contract with the sellers. My lease on my current residence has ended in the meantime and luckily I was able to secure a 2 weeks extension (ending next Friday).We agreed on the FHA terms and conditions (15 years, 3.5 % down) and should be going to closing next Wednesday. I got a new GFE with different rate and costs which I agreed to. I got a call yesterday from the service provider that the loan was approved however they would need to change the adjusted origination charge on the GFE(effectively increasing it by 3K) since the bank would not be able to approve with that credit amount. I am not a big fan of buying a house but my wife's heart is set on it and I am not totally opposed to buying a place either.Given the above and the fact that my lease is up in 2 weeks, how should I pursue this?Should I go to settlement and fight this after the fact - if so, how?
I have already threatened to cancel this but they have not budged, what else can I do?Thanks for your continued help..
GFE Changed with Higher costs - need help
Added on : Thursday September 01st 2011 09:00:05 PM
Hello Fellow FTers,This is my first post so please go easy on me. I have been lurking like many other users and I apologize that for my first post I am reaching out for help rather than offering help.Here is my situation:I am in the process of purchasing a house. I locked in a rate with one of the service providers and they were great in helping answer questions and working through the process. I was initially going for a Conventional Loan. I provided all the docs as were required. I was assured numerous times a week back that everything was good to go and only thing remaining was the appraisal to go to settlement. Once the appraisal came in they found issues with the various bank deposits and initial agreement on the down-payment and said my loan could not be approved. The only way to approve any loan was to do an FHA. I did that and reworked the contract with the sellers. My lease on my current residence has ended in the meantime and luckily I was able to secure a 2 weeks extension (ending next Friday).We agreed on the FHA terms and conditions (15 years, 3.5 % down) and should be going to closing next Wednesday. I got a call yesterday from the service provider that the loan was approved however they would need to change the adjusted origination charge on the GFE(effectively increasing it by 3K) since the bank would not be able to approve with that credit amount. I am not a big fan of buying a house but my wife's heart is set on it and I am not totally opposed to buying a place either.Given the above and the fact that my lease is up in 2 weeks, how should I pursue this?Should I go to settlement and fight this after the fact - if so, how?
I have already threatened to cancel this but they have not budged, what else can I do?Thanks for your continued help..
http://ecomm.dell.com/dellstore/basket.aspx?c=us&cs=19&l=en&s=dh...Highlights
Viewable Image Size (Diagonal): 21.5 inches
LED Backlight Capable of Producing Deeper Blacks by Dimming Screen Light to a Much Lower Level than Conventional CCFL backlight LCD
1920 x 1080 Full High Definition Maximum Resolution provides Sharp and Brilliant Images of Text and Graphics
8,000,000:1 Dynamic Contrast ratio (Estimated) ensures you Crystal Clear and Ghost-free images, as well as Rich Color details
Connectors: DVI-D (HDCP), VGA
Easily Access to Customizable Preset modes, Brightness and Contrast, Menu, Exit and Power buttons
Fast Response Time of up to 5 ms (typical) helps Prevent Ghosting in Fast Motion Video
Equipped with 250cd/m2 (typical) Brightness for Outstanding and Clear Image Display
Offers a Horizontal Viewing Angle of 160 and Vertical Viewing Angle of 160
Arsenic-free glass and mercury-free panel meeting Energy 5.0 compliance standards to help reduce your power consumption
Comes with 1-Year Advanced Exchange Warranty OverviewEngineered to provide you with enhanced digital content consumption and creation, the ST2220M ups the ante by delivering cinematic quality pictures that make watching movies, playing games, and photo editing an amazing experience. Equipped with 1920 x 1080 full HD resolution, LED-enabled mega contrast ratio estimated at 8,000,000:1 for true-to-life images, fast response time of 5ms typical (black to white) and a 16:9 aspect ratio for a stunning front-of-screen experience. Integrated VGA and DVI (HDCP) ports enable you to seamlessly connect the new monitor with your desktop, laptop, gaming console and other peripherals.Stylishly designed with its bottom front bezel beautifully lit when switched on, intuitive touch controls on the bottom right panel, and a slim panel depth thanks to LED technology it is no wonder the newly redesigned ST2220M is a head turner. Modeled to meet high environmental standards, the ST2220M monitor is made of environmentally preferable materials such as arsenic-free glass and mercury-free panels. The LCD panels with LED backlights also meet the latest ENERGY 5.0 compliance standards which help you reduce your energy consumption without compromising on performance.This monitor bundle comes with 1-Year Advanced Exchange Warranty.
55" LED Sanyo 120Hz 1080p HDTV WiFi @ Walmart BM $798
Added on : Wednesday August 31st 2011 12:01:31 PM
WalMart has a Sanyo 55" LED HDTV Model DP55360 with USB Wifi dongle - for $798 in store only.
This was in this week's ad starting 8/28/11, but it's one heck of an HDTV for the price.SANYO 55" Class Edge-lit LED-LCD 1080p 120Hz HDTV, 1.25" ultra slim design.
Walmart online Description shows previous price of $1348. You must go to the store to buy this, however.I called around to my 3 local Walmarts - The one I went to had the two on the endcap in electronics as of last night.If you call for stock, ask the local CS rep to simply look up the UPC of 008648307746 to see if they have it in stock, and then RUN.
Make sure you bring a good-size van, truck, or large enough car to handle a roughly 3' x 5' x 1' box.

This TV isn't top of the line, but it's not bottom of the barrel, either. I think this Sanyo has more features (including Wifi) and picture than the current Insignia deal at BB for the same price. This 55" replaces my 32" tube Sanyo that I've had to 10+ years with no troubles. I'm not worried about the Sanyo name, especially at this price.Use a credit card that doubles your warranty (AMEX, VISA) and you'll have a 2-year warranty, anyhow.Reviews can be found on the net, and they're pretty decent. For example: AVSForumDescription:
The Sanyo LED LCD features the latest technology for the digital age. An Ethernet LAN port with a high speed ISP (internet service provider) is capable of downloading movies and music from Netflix, Vudu and Pandora. The digital tuner is Digital Clear QAM, capable of receiving unscrambled digital cable. Sporting a high gloss black finish, it will virtually disappear when the lights are dimmed for your movies, sports and favorite programs. You will enjoy this full array of HDMI, Component Audio/Video, Composite Audio/Video and RF inputs, with plenty of options for DVD, VCR, cable, satellite and external antenna hookups. A coaxial digital audio output allows you to connect the Sanyo LED LCD to a home entertainment receiver amplifier system for theater like sound. An additional PC/Mac input allows alternative use as a computer monitor. A USB input allows photo viewer display of JPEG photos. The detachable pedestal base stand allows the Sanyo LED LCD to be wall mounted.16:9 LCD panel
With a 1920 x 1080 Full HD resolution
Wide 178 degree vertical and 178 degree horizontal angles
See a clear picture on the Sanyo LED LCD from anywhere in the room
Built-in ATSC/Clear QAM digital/NTSC analog tuner
Watch conventional and digital broadcasts, including HDTV programs where available
5000:1 dynamic contrast ratio
HDMI Inputs: 3
The Sanyo LED LCD delivers a superior HD experience with HDMI one cable
54.6"screen measured diagonally from corner to cornerSpecifications
Brightness: N/A
Response Time: 6.5 ms
Remote Included: Yes
Resolution: 1080p (HDTV)
Ships In Original Packaging: No
Tv Definition: HDTV
Tv Technology: LED
Model No.: DP55360
Shipping Weight (in pounds): 86.0
Product in Inches (L x W x H): 20.0 x 55.0 x 40.0
WalMart No.: 000507135Edit: updated title to include 120Hz and 1080p, and edge-lit
HO Blast Water Skis $58/pr at thedailysteal.com plus shipping
Added on : Wednesday August 31st 2011 09:01:40 AM
thedailystealHO Blast Combo Water Skis With Adjustable Bindings 59" - $58.36 plus shippingShipping for me is $13. Not sure if that is a calculated cost or the same for all orders.HO Blast Combo Water Skis With Adjustable Bindings: The HO Blast Combo Water skis were designed to take the conventional combo shape a step further to increase your confidence on the water. The Blast features a wide forebody that makes getting started a breeze and the Deep V Bottom gives you improved tracking. The HO Blast also has a stable shaped sidecut to allow you to turn effortlessly from side to side. They come with the Adjustable Bindings which allow for easy entry and exit into the bindings and are totally adjustable to provide excellent comfort and fit.
Under Cabinet 12" Flourescent Light 4 pack $27.99 + Free Shipping
Added on : Tuesday August 30th 2011 03:01:27 PM
Get 4 hardwire flourescent undercabinet lights for one great low price! * Low profile slimline
* Electronic ballast is silent. No buzz or hum
* Ideal for installation under cabinets
* Electronic ballast operates 60% cooler than a conventional preheat ballast
* Instant on - no starter or flickering
* On/off switch on each unit
* 7 side and rear knockouts
* Non-dimmable
* Supplied with grommet for easy installation
* Each unit includes one 8w F8T5 bulb
* 120v - HPF Electronic Ballast (enery star qualified)
* 12" x 3.5" x 1"
* Heavy duty steel housing
* Injecton molded prismatic polycarbonate lens with UV inhibitors
* UL listed
* T5 socket
* Ceiling or wall moutable
* Suitable for non insulated surfaces
* Hardwire fixtures can be linked togetherLink to Lights
Presto Revolving Pizza Oven $38 Free Shipping Amazon
Added on : Friday August 26th 2011 03:04:03 AM
Amazon
Presto 03430 Pizzazz Pizza Oven by Presto4.7 out of 5 stars 530 customer reviews
List Price:$69.99 You Save: $31.99 (46%)
Price: $38.00 & this item ships for FREE with Super Saver Shippinghttp://www.amazon.com/gp/product/B00005IBXJ/ref=s9_hps_bw_g79_ir...
The fast easy way to make pizza. From freezer to perfect in minutes !
No preheating necessary.
1,235-watt countertop oven makes pizza in about half the time of a conventional oven
Independently controlled top and bottom heating elements
Multiple types (frozen or fresh) and sizes (7 to 12 inches) of pizza can be used
Produces a crispy crust
Tmer with audible alarm and automatic shutoff;
Includes cooking-time guide for various pizza types
13-1/4 inches wide, 9-1/2 inches high, and 17-1/2 inches deep
The non-stick baking pan can be removed for more compact storage and ease of cleaning
It carries a two-year warranty against defects. Great gift for teens, college students or pizza lover in your family!OK- I know that you may be thinking,.. another gadget. But this appliance is very versitile. Doesn't use as much power as a conventional oven, holds more than a toaster oven, and can be used as a broiler with just the top element working. Doesn't heat up your entire kitchen ! My family uses it to not only make pizza but lots of snacks- frozen chicken nuggets, pizza rolls, hot pockets and hot sandwiches, makes GREAT nachos !! Doesn't heat up your entire kitchen !
Heartland Jiffy Lube Labor Day coupons $18 off oil change.
Added on : Thursday August 25th 2011 06:02:22 PM
Coupons:$18 Off Jiffy Lube Signature Service Oil Change
35% OFF Any Added Service of $74.99 or HigherPlease note: Offers Valid at Participating Heartland Jiffy Lube Locations. Not all Jiffy Lube service centers offer all promotions.
Please call ahead to ensure the promotion is available. Signature Service Oil Change offer is valid for the Conventional Oil only.
========
When I called, I was told the followiing (plus tax)
Signature oil change $21.00
Add $3.00 for SUV surcharge for my 4WD to check the extra transmission drainage plug and lube any zerks.
Add $20.00 for high milage oil which I choose to use.Total for me after coupon = $44.00 plus taxes. I'm not sure if she included the oil dump fee.NET COST = YMMV
HARP for LTV gt; 80% or ANY CLTV
Added on : Tuesday August 23rd 2011 09:00:39 PM
The HARP programs designed for folks who cannot do a regular/conventional refinance have been extended another year (through mid 2012). With mortgage rates again hitting lows in August 2011 (of which November 2010 was the last time for lowest rates), these products deserve some consideration.Let's keep it simple first, you should consider a HARP refinance if the following is true:-Loan is owned by Freddie (https://ww3.freddiemac.com/corporate/) or Fannie (http://www.fanniemae.com/loanlookup/)
-You have a CLTV or TLTV (that means your 1st and 2nd liens together) of more than 80%
-Your 1st mortgage LTV is no more than 125% of current automated loan value
-Your 2nd mortgage can be of any value (there is no limit to TLTV for these programs)
-You have primary or investment property you want to refinance
-You have a bad ARM or balloon
-You do not qualify for either HAMP 31% of gross or the newer 24% of gross mod program
-You do not want to skip payments to get into the modification programs
-You have a good to excellent credit score
-You have not been late on more than 1 payment in the past year on the current loans
-You do not want to do a full manual appraisal (but you can if it makes sense)
-You do not mind refinancing with your current lender (not a requirement)
-You are in good terms with your second lien lender (if any) and are making at least minimum payments
-You would not mind using an automated appraisal for the loan
-You have a fixed rate loan with a rate of 5.5 or higher (my opinion)I recommend calling your current servicer's refinance department and asking for a HARP rate quote for you loan first. If they give you any hassle, keep trying. You do not need to run credit until you like the rate/term offered.HARP Program Details:
-You can only do a HARP once (since the loan being refinanced must have originally closed before 6/1/2009).
-I still recommend doing this only if you get at least a 1% drop
-You can drop into a lower term (10, 15, 20, and 25 are available)
-There will be closing costs, but in many states, they should not be unreasonably higher (definitely not the cheapest loan costs from a shopping around perspective)
-I would focus on getting the product as close to zero points (maybe a slight +/- partial point at the worse). Paying points in this environment on a refi is usually not recommended.
-No cash-out
-You can do a full appraisal, but it is not recommended unless you have no other way to get to the right LTV threshold.
-There are three LTV thresholds I have seen: 80-95, 95-105, and 105-125. Thresholds mean the rate is effectively the same within the threshold and an appraisal would not be helpful unless it brings you down to the next lower threshold.
-If your LTV is above 105%, you will only have 20, 25, or 30 year options available.It is possible to go to another lender and ask them to do a HARP for you (called Open Access), but there are some serious difficulties including:
-You have to do a full appraisal
-Underwriting WILL be more complex
-You may have limitations in over 105% products
-They may have a problem funding your loan due to limitations for securitizationHere is Fannie Mae's product for HARP (Refi Plus or DU Refi Plus):
https://www.efanniemae.com/sf/mha/mharefi/Key points:
-Property can be for sale
-Can remove/add a borrower from loan via process
-LPMI loans must be done via same-servicer (no open access)Here is Freddie Mac's product for HARP (Relief Refinance Mortgage):
http://www.freddiemac.com/sell/factsheets/relief_refi.html
Open Access HARP list (with LTV): http://www.freddiemac.com/avoidforeclosure/participating_lender_...Key points:
-Can remove borrower
-Does not appear to offer 10 or 25 year products
-Cannot go from fixed-rate to ARMIf you have a FHA loan and are still reading this thread, here is a link to the FHA Streamline products available (note how they like to boast about their history of doing streamlines regardless of LTV):
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing...Major problems that are likely to occur:
-Your current 2nd lien servicer/lender MUST subordinate to the new refinance. Typically, this is no different than the current lien setup, but it does give a second lien servicer a chance to be difficult. It would be possible for them to say no and then you either have to payoff/close the 2nd or no refinance soup for you. By the way, the payoff/close of the 2nd has to likely be done before the loan can even proceed (not done as part of the escrow closing).-If you have a condo or other PUD type with a master insurance policy, you will likely need to have a certain percentage of building/dwelling personal coverage which may be higher than your current policy or you will need to get a policy. There is no way around this new requirement.-If you have PMI, I hear there are sometimes problems with LPMI loans. However, you should be able to have a PMI loan that can be done in this program. Even if you current MI lender is basically out of the business, they will modify the certificate for this program regardless of new LTV.Future of high LTV loans -- what is on the horizon:
There is significant risk waiting longer to refinance these loans for a number of reasons including:
-The rollback on the max loan value as that program nears expiration that may put more pressure on appraised values (since most will likely use automated values)
-Uncertainty of interest rates
-Further instability of Fannie/Freddie
-Further bank consolidation (likely to delay any refinance until the new servicer gets the loan properly setup in their system)
-You are losing money each month when paying higher interestIf you are thinking that rates will stay low for a long time, you can ask for an ARM product rate quote in certain circumstances, they do exist for HARP loans, but are limited in choices.My opinion is that there is pending legislation out there that will introduce a new high LTV refinance program. There is nothing to indicate that you would not be able to use that new program to do another high LTV refinance if it is attractive when that program comes. That new program will not be called HAMP and should reset the seasoned loan requirements.Background
The number of HARP refinances is really terrible to date. According to FHFA, as of May 2011, the number of total HARP loans refinanced is about 800,000, but only about 57,000 loans with a LTV >105% have been refinanced. There have been over 8 Million refinances for all Fannie and Freddie since HARP was available, so only 10% of total loan volume was these HARP target loans.http://www.fhfa.gov/Default.aspx?Page=172 (see Foreclosure Prevention Reports)I know the reason why the numbers are low is because servicers were really slow to get their qualification issue together, and I know that lenders were telling folks they were not eligible when in fact they were. These issues have been fixed now I believe. Also, the rate penalty (typically .5 to 1.5 off lowest weekly rate) made these not enough to justify the closing costs. Now, when you add these penalities to the lowest rates, rates are still rather decent compared to most loans done during the stated period.Rasheed
Hello,I have been sleeping on a firm mattress for almost a year now and my back is killing me. I have been looking for a new mattress for a while now with no clue on what to get. I did have a 3" memory foam topper on my queen size Stearns & Foster mattress in the past but had to get rid of them when I started taking care of my mother (a quadriplegic). This worked out great but when I unfolded the topper (it was shipped in a vacuum bag) it suffered some tears and they only became worst with time. The increase in temperature over the mattress alone was minimal to me and the increase in comfort was amazing (no more spring poking me in the side).
The Serta iComfort has a Gel Memory Foam that is said to be cooler and to support more weight than conventional memory foam mattresses. It comes with a 25 year warranty and offers a "risk free 120 day in home trial". http://www.samsclub.com/sams/shop/product.jsp?productId=prod4570494
When you purchase this iComfort Sleep System (tem #547222) by Serta, you will receive:

Free boxspring, Retail Value - $200 (introductory offer, ends September 12, 2011)$200 Sams Club Gift card (for use on future purchases)Plus, free Platinum White Glove Delivery
I just ordered this and will let you know how it sleeps when I get it!
Paul
How do you secure your information?
Added on : Thursday August 11th 2011 12:00:07 PM
I've been thinking about the most convenient and important ways to safeguard one's important online and paper information, and wonder what people find easy and important to be doing in this regard. For example, the conventional wisdom is to shred my mail. But while bank account numbers could be stolen - they're on any check I write anyway. I don't think credit cards print account numbers on statements anymore ... and no one prints a SS# anywhere ... so I figure it's not such a big deal ... To start, here are the topics I've heard mentioned as worth considering - what do you think: what would you add or subtract from the list, what's the most important etc:SS# and birthdate: obviously don't give out willy nilly, but what about kids camps, schools etc?
Harddrives (do you lock/encrypt them) to protect vs a physical break-in?
Varying passwords / varying "mothers maiden name"
varying phone numbers
varying e-mails (using multi-user e-mail packages)
using a cookie management tool on your computer / browser
shredding mail / receiving paperless statements
backing up all account and customer service numbers incase of theft of the originals
encrypting e-mail communications
using virtual credit card numbers
Free Game Downloads - Cnet
Added on : Monday August 08th 2011 09:00:35 PM
http://reviews.cnet.com/4520-10109_7-6300449-1.html
'Abuse'
Originally released in 1996, Abuse is a 2-D scrolling action game made by Crack Dot Com--the company's one and only release. The genre has long been considered to be console and handheld fodder--think Contra and Castlevania--but Abuse is an excellent example of a 2-D action game optimized for the PC, earning an 8.6 rating from GameSpot (judged against the admittedly lowered expectations of mid-1990s game technologies). The graphics, average 10 years ago, have aged even more, but the innovative control scheme that uses the mouse to aim and fire make the game a blast to play. Factor in the easy learning curve and lowball system requirements, and you may find those "coffee breaks" at work stretching for longer than 15 minutes.Download complete Windows port (2.3MB) from rocket-surgery.net: Free download
Download complete Mac port (0.6MB) from softpedia.com: Free downloadAlternatives worth paying for:
Castlevania: Dawn of Sorrow (DS): Read review | Check prices
Castlevania: Symphony of the Night (Xbox 360): Read review  
'America's Army: Special Forces'
The original version of America's Army, released in 2002, was a better-than-average online multiplayer shooter. But what set it apart from the legion of other Counter-Strike clones were its impressive visuals (powered by the Unreal graphics engine) and its price--or lack thereof. Unlike all the other games on this list that began as commercial ventures, America's Army was always intended as a giveaway. That's because it's an unapologetic recruiting tool for the real U.S. Army, which funds its development. While it's unclear how many people the game has converted into real-life soldiers, the game itself continues to rank among the top 10 online shooters, thanks in part to frequent updates; Windows users get the latest 2.8.2 "Overmatch" version, while Mac users are stuck with the older 2.5 "Direct Action." Just make sure your rig meets the somewhat formidable system requirements before you download the mammoth installation file, which tips the scales at almost 3GB. Download complete Windows game from aaotracker.com (2.9GB): Free download
Download complete Mac game from 3dgamers.com (797MB): Free downloadAlternatives worth paying for:
Battlefield 2: Read review | Check prices
Full Spectrum Warrior: Read review | Check prices
Medal of Honor: Airborne: Read review | Check prices 
'Command & Conquer'
Before Age of Empires, Starcraft, and even Total Annihilation, there was Command & Conquer. (OK, OK... Dune II was the real groundbreaker, but Command & Conquer was the bigger mainstream hit.) Pitting the "Global Defense Initiative" versus the nefarious "Brother of Nod," C&C refined many of the control and play conventions still found in the real- time strategy genre to this day. To celebrate the 12th anniversary of the original game's release, EA (which absorbed the C&C developer Westwood Games in the late 1990s) has released the original game--along with the Brotherhood of Nod expansion pack--for free. A couple of caveats on this one, however. The files provided are CD ISO images, which means you'll need to burn a couple of CDs after downloading (Nero or roxio will do the trick; otherwise, try the freeware CDBurnerXP Pro). Also: be sure to follow the accompanying instructions to the letter to get the game running properly on Windows XP or Vista.Download complete ISO image of the Windows game [main game] from EA.com (581MB): Free download
Download complete ISO image of the Windows game [NOD expansion] from EA.com (565MB): Free download
Download installation instructions (33KB): MS Word file link: Free download 
'F.E.A.R. Combat'
Take a first-person shooter, spice it up with a generous helping of survival horror elements, and you get F.E.A.R. (short for First Encounter Assault Recon), a 2005 release that garnered a whopping 9.1 from GameSpot. While the single-player campaign was generally enjoyed--if you enjoy being perpetually scared--the lion's share of the game's replay factor came from the stellar multiplayer mode. To promote the expansion pack--F.E.A.R. Extraction Point--Vivendi began offering a standalone version of the multiplayer mode as a free download. Redubbed F.E.A.R. Combat, it includes the whole multiplayer shebang: all the latest updates, 10 game modes, 19 maps, 12 weapons, anticheating software support, and the ability to download user-created content. F.E.A.R. Combat players can compete against each other and among owners of the full retail version, who undoubtedly will welcome nonpaying newbies (read: targets) with open arms.F.E.A.R. Combat is here: Read story
Download complete Windows game from joinfear.com (registration required): Free downloadAlternatives worth paying for:
F.E.A.R. (full version): Read review | Check prices
BioShock: Read review | Check prices  
'Grand Theft Auto' & 'Grand Theft Auto 2'
When the original Grand Theft Auto first hit the PC in 1998, the game was already courting controversy: its brazenly amoral gameplay actually rewarded the player for wanton criminal conduct. But competing titles such as Carmageddon--a Death Race 2000-inspired car combat racer that awarded points for mowing down as many pedestrians as possible--were an easier lightning rod for critics. By comparison, GTA's cartoonish, top-down 2D point-of-view seemed like little more than an amped-up Hot Wheels. Grand Theft Auto 2 refined the gameplay of the original title the following year, but Rockstar wouldn't perfect the formula until taking the mayhem 3D in 2001 with Grand Theft Auto III. For gamers familiar with only such 21st-century GTA landscapes of Vice City and San Andreas, the company has subsequently released the original two games--reoptimized for current PCs and Windows versions--as free downloads. The price of a taste of GTA history? You'll need to sign up for Rockstar's mailing list before you can pull down the files. Grand Theft Auto: Read review
Download complete Windows game (336MB) from Rockstar's Web site (registration required): Free download
Grand Theft Auto 2: Read review
Download complete Windows game (353MB) from Rockstar's Web site (registration required): Free downloadAlternative worth paying for:
Grand Theft Auto: San Andreas: Read review | Check prices 
'Hidden & Dangerous Deluxe'
When Hidden & Dangerous was released in 1999, setting games against the background of World War II was still a fairly fresh phenomenon; Medal of Honor: Allied Assault was still three years away. Czech developer Illusion Softworks crafted an impressive squad-oriented third-person game that focused more on tension-filled stealth missions behind enemy lines than run-and-gun action. Despite a laundry list of bugs, glitches, and stability problems, the game built a core of enthusiastic fans. To promote the release of the 2003 sequel, publisher Gathering of Developers released the original game as a freebie. The Deluxe version incorporates a host of bug fixes, though some system configurations, apparently, still have issues, and the Devil's Bridge expansion pack into one convenient download. Hidden & Dangerous Deluxe: Read review
Download complete Windows game (270MB) from 3dgamers.com: Free downloadAlternative worth paying for:
Tom Clancy's Ghost Recon Advanced Warfighter: Read review | Check prices 
'The Marathon Trilogy'
Marathon was one of the initial wave of first-person shooters that hit in the mid-1990s. Often dismissed--unfairly--as Doom for Mac (Marathon 2 was the only game in the series to be published for the PC), the game's rich storyline and then-impressive graphics cultivated a loyal following that persists to this day. Marathon's developer, Bungie, was scooped up by Microsoft just so the software giant could secure the rights to a promising title called Halo--which Bungie was developing, ironically, for the Mac. Halo, of course, went on to become the raison d'tre for owning Microsoft's Xbox console. Is Halo really Marathon 4? Download the original trilogy--which Bungie has since made available for free--and decide for yourself. Download complete Mac games (69MB total) from bungie.org: Free download
Complete download links and installation instructions for Windows port: Free downloadAlternative worth paying for:
Half-Life 2: Read review | Check prices 
'Return to Castle Wolfenstein: Enemy Territory'
Enemy Territory began life as an expansion pack for 2001's Return to Castle Wolfenstein. Activision ended up canceling the game, but it released the multiplayer component of the game as a free stand-alone download in 2003. The result was a game that--years later--holds its own against such heavyweights as America's Army (above), Call of Duty, and Unreal Tournament 2004 as one of the most played online multiplayer shooters out there. The game's legacy lives on in the form of Enemy Territory: Quake Wars, a multiplayer spin-off of Quake 4.Download complete Windows game (264MB) from CNET Download.com: Free download
Download complete Mac game (271MB) from 3dgamers.com: Free download
Download complete Linux game (271MB) from 3dgamers.com: Free downloadAlternative worth paying for:
Call of Duty 2: Read review | Check prices 
'Starsiege: Tribes'
Sierra's Starsiege series made a successful transition from strategy to action with 1998's Starsiege: Tribes. Released a year before Quake 3 Arena and Unreal Tournament, Tribes' online multiplayer-only gameplay was a revolutionary step forward in the way games were marketed. The inclusion of player-controlled vehicles--years before Halo, Battlefield 1942, and Unreal Tournament 2004--was similarly visionary. While Tribes never achieved the same level of success as some later games, its legacy is still fondly remembered; GameSpot named it to the site's running list of the greatest games of all time in April 2005. The original game was given away free as a promotion for the 2004 release of the updated sequel Tribes Vengeance. It's not as popular as America's Army and Enemy Territory--the once vibrant online community has largely moved on--but those with older PCs will appreciate the easygoing system requirements. Starsiege: Tribes: Read review
Download complete Windows game (139MB) from CNET Download.com: Free downloadAlternative worth paying for:
Unreal Tournament 2004: Read review | Check prices 
'Ur-Quan Masters'
Released in 1992, Star Control II took the arcade-style action of its predecessor and deepened the gameplay with a rich storyline and role-playing features. While many a lesser game would've lost its focus, Star Control II's disparate parts gelled together perfectly into a sophisticated, unique sci-fi title that combined the best elements of action and strategy. The free version of needed to lose the "Star Control" name due to copyright issues, but it's otherwise the same breakthrough classic that, like Starsiege: Tribes, is enshrined in GameSpot's hall of fame. An active community of enthusiastic developers has updated the game for modern PCs, complete with a user-friendly Windows installer (linked below) that automatically downloads and installs the game components, including updated music files.Download complete Windows game (140MB) from CNET Download.com: Free downloadAlternatives worth paying for:
Homeworld 2: Read review | Check prices
X3: Reunion: View screenshots | Check prices  
'Wild Metal Country'
If you've never heard of Rockstar's 1999 tank shooter, you're not alone. It lacks the notoriety of the company's Grand Theft Auto series, and the game's reviews were hardly stellar, with GameSpot awarding the Dreamcast version a mere 3.7. But when you're not paying for it--Rockstar made it gratis in 2004--it's a bit easier to see the Wild Metal glass as half full. Unlike many of the multiplayer-only and graphically intensive games presented here, Wild Metal offers a decent single-player experience, and its Windows 98-era system requirements mean it'll run well on many current laptops and business desktops. But the lack of a hot coffee mod means those looking for some tank-on-tank action will have to point their turrets elsewhere. Like Rockstar's GTA freebies, you'll need to register for their newsletter before downloading this one.Wild Metal Country: Read review (Dreamcast version)
Download full game (170MB) from Rockstar's Web site (registration required): Free downloadAlternative worth paying for:
Twisted Metal: Head On (PSP): Read review | Check prices
15 yr fixed 4.75% --gt; 2.88% 5/1 ARM?
Added on : Sunday August 07th 2011 03:00:06 PM
I bought my condo about 2 years ago and am on a 15 year conventional fixed @ 4.75%. I'm nearing 30% LTV. I don't plan on living in this condo long term (maybe another 2-3 years tops) so I'm looking to do a refinance. I have a friend who can get me a 2.88% 5/1 ARM. I don't know much about ARMs other than it's a low interest rate and then it skyrockets after 5 years unless you refinance again, correct? I'm very interested in doing a refinance at this point because I just realized how much money I've been wasting on interest even at my current rate. Thoughts?
Cred Card Negotiation With Wells Fargo on Remaining Balance
Added on : Friday August 05th 2011 03:00:31 PM
Hi All,I got a question. This is for a friend. No, really, it's for a friend.She has about $3500 balance with 20+% APR with Wells Fargo. She currently has a Fico Score of around 580. For that reason, she cannot get another low APR credit score to transfer over.A little history. She moved with her bf to a new state and had to go to school to get her license again b/c some states don't have reciprocal licensing agreements. Long story short, she amassed student loan (at 7%) and some CC debt.A few months ago, her balance was 6K w/ Wells Fargo. She paid 2500. Wells Fargo immediately lowered her credit limit to amt due so that her credit utilization was 100% (I think they did this so that she can't apply for a new CC to transfer payments over). In the meantime, she applied and only got approval for a $500 cap one card.She had called WF to negotiate a lowering of APR, but they said to go pound sand. So, needless to say, during the time of school and part-time jobs, she was unable to make timely payments. So there are many late payments.She'd like to pay the remaining 3500, but would like to something in return (because in this world, what matters is what you negotiate). There's conventional wisdom that says after you've paid, you lose leverage. What I'm basically after is this:1) Pay off the debt, get all the neg removed from the CA.
2) Rebuild her credit so she can take advantage of the CC offers. I've researched @ creditboards and creditnet and somewhat familiar w/ the goodwill and nutcase approach, but they're a bit different.One of the approaches I'm thinking of using is this:1) Pay off the debt.
2) close the account.
3) Send a letter demanding that they prove they report to CRA correctly (not mentioning which one).
4) Because the acct is closed, they cannot access the CRA again. So, I'm hoping to utilize the bad cousin approaching of being a nuisance and not going away for them to totally delete the baddies.But of course, this is 'after' the fact. I'd like to do it before, with agreements in writing, paying the entire debt off. Any help would be greatly appreciated.P.S: No deadbeat here. She fully intends to pay her debt.
The Walking Dead: Season 1 (Widescreen) DVD for $17.46 @Walmart
Added on : Monday July 18th 2011 06:01:30 AM
Free Site to Store shipping or standard shipping to your house $1.97For me Season 1 was a little slow, but they have promised more action for Season 2 which starts in October 2011* Extra Footage and Featurettes including The Making Of THE WALKING DEAD
* Inside THE WALKING DEAD Episodes 1-6
* A Sneak Peek with Robert Kirkman
* Behind the Scenes Zombie Make-Up Tips
* Convention Panel with Producers
* THE WALKING DEAD Trailer.http://www.walmart.com/ip/15746993
Cred Card Negotiation With Wells Fargon on Remaining Balance
Added on : Sunday July 17th 2011 03:00:12 PM
Hi All,I got a question. This is for a friend. No, really, it's for a friend.She has about $3500 balance with 20+% APR with Wells Fargo. She currently has a Fico Score of around 580. For that reason, she cannot get another low APR credit score to transfer over.A little history. She moved with her bf to a new state and had to go to school to get her license again b/c some states don't have reciprocal licensing agreements. Long story short, she amassed student loan (at 7%) and some CC debt.A few months ago, her balance was 6K w/ Wells Fargo. She paid 2500. Wells Fargo immediately lowered her credit limit to amt due so that her credit utilization was 100% (I think they did this so that she can't apply for a new CC to transfer payments over). In the meantime, she applied and only got approval for a $500 cap one card.She had called WF to negotiate a lowering of APR, but they said to go pound sand. So, needless to say, during the time of school and part-time jobs, she was unable to make timely payments. So there are many late payments.She'd like to pay the remaining 3500, but would like to something in return (because in this world, what matters is what you negotiate). There's conventional wisdom that says after you've paid, you lose leverage. What I'm basically after is this:1) Pay off the debt, get all the neg removed from the CA.
2) Rebuild her credit so she can take advantage of the CC offers. I've researched @ creditboards and creditnet and somewhat familiar w/ the goodwill and nutcase approach, but they're a bit different.One of the approaches I'm thinking of using is this:1) Pay off the debt.
2) close the account.
3) Send a letter demanding that they prove they report to CRA correctly (not mentioning which one).
4) Because the acct is closed, they cannot access the CRA again. So, I'm hoping to utilize the bad cousin approaching of being a nuisance and not going away for them to totally delete the baddies.But of course, this is 'after' the fact. I'd like to do it before, with agreements in writing, paying the entire debt off. Any help would be greatly appreciated.P.S: No deadbeat here. She fully intends to pay her debt.
PEP BOYS DEAL 7/17-24 (B&M)
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PEP BOYS DEAL 7/17-24 (B&M)REBATE DEALS BELOW
***********************************Peak 1million candlepower rechrgable Spotlight $13-$10mir = $3Peak 400watt Power Inverter $25 less $20 MIR = $565PC Tool Set (sku 98082) $15- $10 MIR = $5Peak Intelligent Battery Charger $39.99 -$25 MIR = $14.99 (2/8/12 amp)Torin 10 Pc Garage Kit $59 -$10 MIR = $49Goodyear 24 Volt Impact Wrench $99-$20 MIR = $79FRAM PREM. Synthetic and Fram Tough Filter DIY Oil Change $28.99 less $10 MIR = $18.99
(or as above w/ high mile oil and fram high mile filter $15.99 a/MIR)PENNZOIL DIY Oil Change (inc 5.1 qt jug of conventional oil (or 5 1 qt bottles) and Fram Extra Oil Filter
$18.99 - $6 MIR = $12.99Explorer 18cu ft Top Carrier $99 - $20 MIR = $79Peak 50-50 Antifreeze $3 (after $5mir) Limit 2Lucas Fuel Injector Cleaner $3 (no rebate needed)Mobil 1 Syn Oil $5 per qt (no rebate, limit 6 qts)Peak Convent. Oil 5 qt jug and Purolator Filter $13 - $5 MIR = $8 (filter price must be $4.99 or less) Limit 2 rebatesChampion Spark Plugs $2.49 less $2MIR (lim 16)Artic Freeze w/Trigger $19.99 -$5 MIR = $14.99Torin 2 Ton Trolley $20 - $10 MIR = $10Peak 300 Amp Jump Starter $30 - $15 MIR = $15Mini Air Compressor $24 less $10 MIR = $14Peak 2.4" Backup camera $54 - $25 MIR = $29Turtle Wax Car Wash $3 (limit 2) no rebateArmor All 3 Pack of Wipes $8 (lmit 2)Black Magic Tire Wet Two for $6 (must buy 2) no rebate
Check out this Vegas room offer from @LuxorLV for Twitter users w/ rates from $29.60!We are giving our Twitter followers access to our lowest rates anywhere! The earlier you book, the more you save. So book your stay today!Mention discount code: LDTWI21Offer expires: March 31, 2012Fineprint:
Based on availability and subject to blackout dates. Promotional rates available online only. To book this offer by phone you may call Luxir at 877.386.4658 and mention code LDTWI21, however additional charges will apply. One night deposit required to reserve your stay. Reservation must be in the name of the adult guest checking in. Nightly rates are non-commissionable to travel agents/tour operators and not available for convention/group reservations. Guest must be 21 or older to reserve this offer. This offer is non-transferable and may not be used in conjunction with any other offer or promotion including those from other MGM Reorts International properties. Some restrictions may apply. Not available for guests attending meetings or conventions. Management reserves the right to cancel or change this promotion at its discretion without prior notice. MGM Resorts International endorses responsible gaming. If you or someone you know has a problem gaming responsibly, please call the 24-hour Problem Gamblers HelpLine at 800.522.4700. 2010 MGM Resorts International. All rights reserved.Luxor Las Vegas
Short Sale & Obtaining A New Home Loan Through FHA
Added on : Tuesday July 05th 2011 06:00:06 PM
Hey All,My work is making me move states, its either move or no job, so I have to go. I was going to rent my current property, but the rental market is tanking in the area and the move is from West to East coast, so dealing with issues such as repairs would be difficult. I ended up listing the property as a short sale and had two offers so far. I was looking to rent but someone suggested that an FHA loan would also work if I wanted to purchase as I have never missed any payments and had a perfect credit history before this short sale shows up on my report. Slim chance, but has any FW'ers ever been in this same situation?Also, my realtor suggested I should purchase a house using a conventional loan before I short sale this current property.....that to me seems like bad advice....feels like fraud....Thanks!
For ShopYourWayRewards members: Buy one conventional oil change for $19.99 and get 20.000 ShopYourWayRewards points ($20 value). So, essentially, it's a BOGO setup.Only valid from July 08 to 09, show your membership card when ordering.
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Refinancing condo, any reason not to?
Added on : Thursday June 16th 2011 12:00:08 PM
I just got a call from one of my banks with a refinance offer on my condo. 299 closing costs, and about 0.6% lower interest for the same loan. I would save about 120/month. Is there any reason not to refinance? I've never done it before. Im at about 25% ltv so this would end up being the same 15 year conventional but at 4.14% instead of 4.75%.
http://www.amazon.com/gp/goldboxSpecial Features
Star Trek: The Motion PictureAudio commentary: Michael & Denise Okuda, Judith & Garfield Reeves-Stevens and Daren Dochterman
Featurettes (HD): "The Longest Trek: Writing the Motion Picture," "Special Star Trek Reunion," "Starfleet Academy: The Mystery Behind V'ger"
Deleted Scenes
Storyboards
Theatrical Trailers
TV Spots
Star Trek II: The Wrath of Khan Audio commentaries: director Nicholas Meyer / Nicholas Meyer and Manny Coto
Featurettes (HD): "James Horner: Composing Genesis," "A Tribute to Ricardo Montalban," "Collecting Star Trek's Movie Relics," "Starfleet Academy: The Mystery Behind Ceti Alpha VI"
Featurettes (SD): "Captain's Log," "Designing Khan," "Where No Man Has Gone Before: The Visual Effec