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What Does an Extreme Early Retirement REALLY Require To Work?
Added on : Wednesday April 16th 2014 08:00:06 PM
g: 1 Posted By: robronson
Views: 14 Replies: 0 Mr Money Moustache and several other Early Retirement Extreme bloggers have been all the rage the last few years. I think ERE is certainly a possibility but only for very few people in very specific circumstances. Most of the time people who mention ERE on this forum (and on Bogleheads) are laughed at. Let's have a real discussion about what circumstances could allow one to retire in their 30s or 40s.

1) No children. If you have kids or want kids, ERE will be something almost impossible to attain for 99.999% of people. The problem is not only the high cost of children but also the uncertainty in costs. You never know how much your kid will cost (braces, emergency medical care, lawyer after getting arrested, etc.). The variability is so high you can't plan for it.

2) No health problems. If you are obese, are a chronic smoker, have diabetes, or some other issues, you're boned. Your expenses will be highly variable. On the positive side, early retirement could allow you greater freedom to exercise more, cook all your own meals and eat healthier, get more sleep, reduce stress, and improve your health. This almost certainly will reduce your long-term healthcare costs, if you have the discipline and desire to live a healthy lifestyle.

3) Willingness to live in a low cost-of-living area. If you want/need to live in Manhattan or San Francisco, you're boned. 99.9% of people won't be able to save up enough money by their 30s/40s to retire in a place where rent is $3k per month. You'll easily need 3x to 4x as much money to retire in a place like NYC or SF as you would to retire in Florida.

Those are my top 3. There's many people who crap on people planning for ERE because of those top three reasons. Some people (who live in places like SF or NYC) say, "What good is retiring if I have to live in some crappy place?" My reply is "What good is living in SF if you're working 60 hours a week and commuting 20 hours a week and can't enjoy it?"

Some people (who are obese from poor diet and lack of exercise) say "how can you retire early when healthcare costs are so expensive and go up 10% a year?" My reply is, "If you take care of yourself, you'll eliminate 99% of all medical problems and by not working, you'll have more time to exercise, eat well, and maintain good health."

Numbers wise, I'd like to have enough money such that I can take out 2.5% per year and meet my annual expenses. I'd also like to semi-retire for a few years where I cut back my work to only 2 months a year, for a few years after I retire. That would allow me to keep my consulting skills relatively fresh, keep my toe in the water in case I decide I need or want to re-enter the field full time, and also delay distributions of my savings. That allows compound interest to work for a few more years.

I also think it's important to have several skills you enjoy doing that can fall back on in early retirement for extra cash. For example, maybe you like fixing cars. You can do that for a few hours each month on random side jobs for extra beer money. The detractors against ERE argue "but that's not retirement if you're working!" to which I retort, if you enjoy doing it, and can get a little cash on the side to do it, and you don't need to do it because you're financially independent, then it's retirement. You could turn the job down if the customer starts being difficult or if you simply don't want to get out of bed that month. Maybe you enjoy children and want to be a tutor. Maybe you like painting and are good enough to make a small bit of money selling at galleries. It doesn't really matter how little you make from these side jobs, since you don't need the money, as long as you enjoy it, and it does add a little bit to your savings.

Has anyone else here considered early retirement? Or considered why it wouldn't be feasible for themselves?
Discussion Deals
g: 0 Posted By: tedhawkins
Views: 170 Replies: 0 ~Steel Defender Black Compact Plate Carrier with Level III steel plate (10 X 12 LineX) $159.99 Shipped
http://www.gearhog.com/

Overview
STEEL DEFENDER COMPACT ARMOR PLATE CARRIER is fully adjustable to fit sizes medium through extra-large. A fully padded shoulder support system, heavy-duty webbing with fast adjustment straps and back-up release buckles add up to a virtually indestructible design that allows us to offer a full lifetime guarantee on our vest and armor!Emergency drag handle
Quick-release buckles at shoulder and waist
Compression-molded panels
Front and back internal sleeves to hold our Steel Defender 1/4" thick 500 Brinell hardness (N.I.J Level lll) 10" x 12" armored plates
Pull-down flaps with hook and loop closure allow easy access to ballistic plates
Available in front only or front and back plate configuration
NTOA approvedSTEEL DEFENDER 10X12 ARMOR PLATEOUR STEEL DEFENDER BALLISTIC BODY ARMOR PLATES are manufactured specifically for us from 1/4" thick 500 Brinell hardness armor plate steel which exhibits high-hardness and are certified N.I.J. Threat Level lll. 500 Brinell hardness armor plate steel is used to stop high velocity projectiles, i.e., bullets. This armor steel plate is particularly useful in protecting against blunt trauma, knives and firearms. The N.I.J threat level is determined by 3 factors - the size of the round that the product is meant to defend, the speed at which that round is traveling, and the distance the round will travel before reaching the Target.Steel Defender steel is quenched and tempered at very high temperatures to sustain a tough surface for the best levels of protection.
Gearhog Deals
g: 0 Posted By: Farfisa850
Views: 222 Replies: 0 Link!

Service Provider: Verizon
Phone Type: Flip Phone
Calling Features: Call Waiting, 2-Line Conference Call, Call Forwarding, Phonebook
Telecommunication Features: Backlit Keypad, Caller ID, Speakerphone, Vibrate Mode, Predictive Text Messaging, External Caller ID Screen, Emergency Speed Dial Button, Keypad Lock, Calculator
Display Features: Signal Strength Indicator, Clock, Call Timer, Voicemail Indicator, Date and Time, Battery Level Indicator
Talk Time: Up to 7 hours
Standby Time: Up to 350 hours
Maximum Resolution: 640 x 480
Built-In Digital Camera: Yes
Video Resolution: No Built-In Video Recorder
GPS Enabled: Yes
Wireless Frequency/Band: 800/1900 MHz
Wireless Technology: CDMA

Cell Phones Deals

Best Buy Coupons
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: GreenTrash
Views: 85 Replies: 0 LINK

Emits a shrill, high-pitched sound
Waterproof and durable
Pea-less design for all-weather use
An essential signaling device for all survival situations
Clip attaches to clothing or equipment for quick access

Sports & Outdoors Deals

Amazon Coupons
Target tool clearance YMMV
Added on : Wednesday April 09th 2014 09:00:09 AM
g: 2 Posted By: bones774
Views: 368 Replies: 2 Just returned from my local Target, they are doing spring cleaning. Many tools and tool kits are reduced clearance 70% off. Durabilt brand and B&D stuff, not the best but for the price I can throw it in the car/boat and have emergency kit. YMMV, i'm not sure about etiquette here so i tried to post to help, please no flames.
Tools Deals

Target Coupons
correspondence with Department of Education
Added on : Tuesday April 08th 2014 06:00:09 AM
g: 0 Posted By: dave042
Views: 0 Replies: 0 Sorry for the long post but though it is required to put this in context.

Initial email for rate reduction on student loan sent9/10/13:
Edfinancial,
I just read I can get 0% interest. Attached is my deployment orders toa hostile area.I also read I may be eligible for Military Service Deferment andpostpone federal student loan repayment during certain periods ofactive duty, such as during war, other military operation, or nationalemergency, and immediately following active duty.Am I eligible for both?Thanks. [orders attached]

DOE Response 9/10/13:
This is an automated response to confirm that we have received your correspondence and will respond to your inquiry within 3 to 5 business days. We encourage you to take advantage of other self-serve options available online atwww.edfinancial.com. Thank you,EdfinancialServices Customer Care

DOE Response 9/12/13:
Thank you for contactingEdfinancialServices,
We have received your email attachment(s). The document(s) will be forwarded to the appropriate department and completed within 5 to 7 business days.
Have a wonderful day. If you have any questions or concerns, feel free to contact a representative at 1-800-337-6884 or you may visit our website atwww.edfinancial.com.
Thank you,Loan ServicingEdfinancialServices

DOE Response 9/13/13:
Thank you for contactingEdfinancialServices,
In order to qualify for the 0.00% interest rate, we would need orders stating that you are serving in an area of hostilities qualifying for special pay. Once received, we would be able to apply both benefits to your account. At this time, we will only be able to apply the military deferment and an interest rate cap of 6.00% on your loan. Please allow 5-7 business days to process.If you have any additional questions or concerns, feel free to contact a representative at 1-855-337-6884 or e-mail us atwww.edfinancial.com/contactus/dlcontactHave a great day!Thank you,ClaireLoan ServicingEdfinancialServices

My Response 9/13/13:
I have orders show me serving in Kabul, Afghanistan but does notsaying anything about special pay for hostilities. My "leave andearnings statement" does reflect me receiving hostile fire pay.I would need to know which document you would need.

DOE Response 9/16/13:
Thank you for contactingEdfinancialServices,
You would need to send a copy of your orders. Without processing your paperwork, I am unable to know what you would qualify for.Have a wonderful day. If you have any additional questions or concerns, feel free to contact a representative at 1-855-337-6884 or e-mail us atwww.edfinancial.com/contact.Thank you,MaggieLoan Servicing
EdfinancialServices

My Response 9/16/13:
Find attached my orders. [orders sent a second time]

DOE Response 9/19/13:
Thank you for contactingEdfinancialServices,
If you can submit your leave and earnings statement that reflects that you are receiving hostile pay, then we will be able to consider you for the benefit.If you have any additional questions or concerns, feel free to contact a representative at 1-855-337-6884 or e-mail us atwww.edfinancial.com/contactus/dlcontactHave a great day!Thank you,Claire
Loan ServicingEdfinancialServices

My Response 9/19/13:
Attached is my LES. Line E is the hostile fire pay (HFP).

DOE Response 9/24/13:
Thank you for contactingEdfinancialServices,
You are ineligible for the Hostile Duty interest rate reduction. This is because you have underlying loans in your Consolidation loan that were disbursed before 10/01/08.If you have any additional questions or concerns, feel free to contact a representative at 1-855-337-6884 or e-mail us atwww.edfinancial.com/contact.Thank you,Ellen
Customer CareEdfinancialServices

So I spent 14 days dealing withClaire, Maggie, and Ellen only for them to tell me I was really not eligible for the rate reduction which they could have told me in the initial email. Nowhere on the website am I told about the 10/01/08 restriction.
Plan B One Step Emergency Contraceptive $18.59 Amazon
Added on : Thursday April 03rd 2014 07:00:05 AM
g: 2 Posted By: nyseGUY
Views: 246 Replies: 2 The 'Zon has Plan B One Step Emergency Contraceptive for less than $20 shipped. Drugstores normally sell this for $50 and it's one of those things where time is of the essence so why not have it on hand already. I'd rather have a Fat wallet than a preganant gf!
Health Deals

Amazon Coupons
Roth as emergency fund
Added on : Monday March 31st 2014 11:00:08 AM
g: 0 Posted By: skh12
Views: 113 Replies: 4 from the archives

my situation

$20k in my emergency fund, should i migrate the fund to a roth ?

should it be a local institution if i need quick access?
Investing Deals
g: -4 Posted By: ctgolfer
Views: 651 Replies: 2 www.dailysteals.com/#deals/21801
Sports & Outdoors Deals
g: 0 Posted By: Deals4mykids
Views: 196 Replies: 1 http://www.gearbest.com/survival-emergency-gear/pp_16235.html#.U...

Covers the body when accidents happen to avoid body temperature missing
Can keep body warm when car breakdown in night or cold area
Can put in the sleeping bang for warm
Can be used as reflecting coating to send signal to rescuer
Good tenacity, light weight and soft, can be used as stretcher
Can open as canopy in a rainy day
Can cover the front windscreen to increase the interior temperature of car
Cute size when unfolding, suitable for carrying
Largely suits for outdoor sporters, visitors, explorers, athletes, rescue teams, climbers, etc

Sports & Outdoors Deals
g: -1 Posted By: ctgolfer
Views: 112 Replies: 0 www.dailysteals.com/#deals/21801
Sports & Outdoors Deals
g: 0 Posted By: ctgolfer
Views: 224 Replies: 0 www.dailysteals.com/#deals/21802
Tools & Automotive Deals
To Buy or not to buy a house?
Added on : Saturday March 29th 2014 11:00:09 AM
g: 0 Posted By: rodge
Views: 156 Replies: 0 I'm a long time lurker when it comes to FWF, but am hoping that I can lean on the wisdom of you all to give us some thoughts on the decision making.

My wife (34) and I (38) are currently planning/debating to buy a house in summer 2014 to give our kids the benefit of a better school district. We are somewhat confident but also scared about that decision.
We live in MD and currently live in a town-home we purchased in 2006 for $390,000 which is worth about $330K now with about $257K left in Mortgage. Loan is at 3%, 15 yr Fixed. Have 2 girls 6 & 2. Planning to rent this property for about $2200/mo and pay the difference for the 15 yr loan. (I could convert it to a 30 yr loan, but want to build some equity as long as we can do it)

Household Income:
I work as a contractor in the Federal Govt while my wife works in the Energy Industry as a Financial Analyst. I bill about $97/hr through my Incorporated company, my wife makes 100K as an employee. I have been averaging about $90+ an hour for 5 years now with three diff clients. If I ever loose my current gig or need to find a job quickly, I'd be able to get a 100-115K job quickly instead of waiting for a high paying job like I usually do.

Wife & I take home: $14,000/mo after taxes
Expenses: Mortgage & Escrow: $2,550/mo
All Other Family Expenses: $3,500
(Groceries, Gas, Kids classes, clothing etc)

FICO score: 787 & 798.

Savings (Cash): $85,000
Savings (Stock, Bonds): $128,000
401(K): $212,000 Combined ($60 K Wife's)
No Student or Auto Loans or Credit Card Debt

Assets which I won't use for buying house:
Condo in Asia: $100K (Gift to dad from me; might inherit it someday)
Cash Fixed Deposits abroad for parents maintenance: $100,000

The New Home Budget: $700K (upto 800K if required)

Question: If we pay 20% down which is what we'd like to do ideally to avoid PMI's, we will be down to about 30K left for emergencies after accommodating for closing costs, moving expenses, prepping existing house for renting.

Is there any way to avoid paying PMI and pay only 10-15% in down payment? We are targeting to be in a new house by July giving us some more time to build more cushion (emergency fund).

While we'd like to postpone by one more year, possible mortgage rate increases worries me. Or I read about banks giving Jumbo loans on 15% down payment and waiving the PMI if the collateral is an Investment or Money Market account.

Or Should we even buy a house this year? Or wait for another year? (We'd like to move to a school district which has better GT, Honors, AP, AAP courses down the line)
Thanks in advance for taking the time to read my post and offer some insight.
Question Deals
Inheritance coming - What should I do with it? - Next Steps
Added on : Thursday March 27th 2014 10:00:10 AM
g: 0 Posted By: dd564
Views: 652 Replies: 11 New here and seeking some opinions.

Family
I am married. I am 41, wife is 36.
We have three kids, ages 10, 6, and 4.
We have a combined income of about $120-130k which has been pretty much the same (due to job changes on my behalf (loss of job, working contract, down time, etc).

Houses
We have two houses. One we live in. Value about $450-500k. The other house is our old house which we rent out. Value about $250-300k.
We owe about $315-320 on our primary residence, and about $165k on the rental.

Debt
Mortgage payments are both 30 year.
Primary 3.5% payment of about $1460
Rental / investment house 5.5%(?) payment of 1190.
We have two vehicles both of which we bought brand new. One is a 2005 minivan. Paid off. The other is a sedan bought in 2011. Making payments of $350 a month. 1% interest.

Rental Income
Income on the rental is $1850 per month on a 2 year lease.

We have about 90k in IRA's. 20k of that in a ROTH IRA.
We have another 100k in investment accounts.
We have another 25k in an emergency cash fund.

Both her an I both contribute to a 401k at company match levels. (6% for me. I think 4% for her)

Our monthly payments are mortgages, taxes, insurance, etc.
We eat out once or twice a year for an actual dinner out.
Otherwise a few $5 meals when traveling going through a drive thru.

We just stated saving $800 a month to go into investments monthly now that our cash reserve is where it is.

Inheritance
I've been notified that I'm likely to receive a sum of money through an inheritance. (Say maybe $50k).
What would be your next steps?

Pay down the rental property at 5.5%
Invest more in investments and pay off the mortgages slowly. (Tax deductions and the lower rate seem traditionally low).

Thoughts?

Mortgages are $1450 on the one we have
Personal Finance Deals
Next Steps
Added on : Thursday March 27th 2014 05:00:17 AM
g: 0 Posted By: dd564
Views: 72 Replies: 0 New here and seeking some opinions.

Family
I am married. I am 41, wife is 36.
We have three kids, ages 10, 6, and 4.
We have a combined income of about $120-130k which has been pretty much the same (due to job changes on my behalf (loss of job, working contract, down time, etc).

Houses
We have two houses. One we live in. Value about $450-500k. The other house is our old house which we rent out. Value about $250-300k.
We owe about $315-320 on our primary residence, and about $165k on the rental.

Debt
Mortgage payments are both 30 year.
Primary 3.5% payment of about $1460
Rental / investment house 5.5%(?) payment of 1190.
We have two vehicles both of which we bought brand new. One is a 2005 minivan. Paid off. The other is a sedan bought in 2011. Making payments of $350 a month. 1% interest.

Rental Income
Income on the rental is $1850 per month on a 2 year lease.

We have about 90k in IRA's. 20k of that in a ROTH IRA.
We have another 100k in investment accounts.
We have another 25k in an emergency cash fund.

Both her an I both contribute to a 401k at company match levels. (6% for me. I think 4% for her)

Our monthly payments are mortgages, taxes, insurance, etc.
We eat out once or twice a year for an actual dinner out.
Otherwise a few $5 meals when traveling going through a drive thru.

We just stated saving $800 a month to go into investments monthly now that our cash reserve is where it is.

I've been notified that I'm likely to receive a sum of money through an inheritance. (Say maybe $50k).
What would be your next steps?

Pay down the rental property at 5.5%
Invest more in investments and pay off the mortgages slowly. (Tax deductions and the lower rate seem traditionally low).

Thoguhts?

Mortgages are $1450 on the one we have
Personal Finance Deals
Garfield Visa Rewards Card by Commerce Bank
Added on : Tuesday March 25th 2014 06:00:03 PM
g: 0 Posted By: interestedinfw
Views: 211 Replies: 1 Just saw this, who doesn't like Garfield?

Looks like you get points on the interest you carry to the next month.

http://www.commercebank.com/personal/cards/credit/garfield-visa/... points towards hundreds of reward options including Merchandise, Gift Cards, Cash Back, Travel and more every time you make a purchase!
Highlights
A credit card that earns points towards hundreds of reward options like Merchandise, Gift Cards, and Travel, as well as, exclusive Garfield items.

Annual Percentage Rate
1.99% Introductory* APR on Purchases and Balance Transfers for 6 months, then a competitive rate of 14.24% to 20.24% APR**.
[l=View Important Disclosures>>[PDF]]http://www.commercebank.com/pdfs/cardact/GarfieldVisaWebDisclosu...[/l]

Annual Fee
$0

Rewards*** Additional Details:

Earnonepoint for every dollar in net merchandise purchases
Earnthreepoints for every dollar in interest you accrue on your monthly balances.
Plus, an additional500 bonus pointswith your first purchase within 90 days.

UNLIMITED point earning is here! No cap exists on the points you can earn each year.
Take up to3 yearsto earn and redeem before they expire!

View exclusive Garfield items here!

Additional Benefits
OnlineE-Statements
OptionalAuto PayandOverdraft Protection
24/7Customer Service (except holidays) and Online Account Access
Zero Liability coverage****
$100,000 Travel Accident Insurance
Auto Rental Collision Damage Waiver
Emergency Card Replacement and Emergency Cash Disbursement



Deal Deals
g: 0 Posted By: VegasVegan
Views: 233 Replies: 0 Ultimate Survival Technologies 30-Day Lantern (Silver)@ Amazon $25.77 FS w/Prime or FSSS

30 Day Lantern (Silver)

UST's remarkable new 30 Day Lantern runs for an amazing 30 days or more on the low setting at 29 lumens and 32 hours at up to 300 lumens. With a quick twist, the cover can be removed and the 30 Day Lantern can be used as a down light. In case of emergency, you can remove the cover, set the light to strobe, set it in an open area, and continue to handle your situation without worrying about holding the light. Operates on readily available D cell batteries, has a high, medium, low, and SOS flash setting.Compact size is easy to pack for camping, RV'ing or any other outdoor application, also great for emergency preparedness in the home.

Lowest price according to the Camel

Good reviews - 4.7 out of 5 stars


Sports & Outdoors Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 www.homedepot.com/SpecialBuy/SpecialBuyOfTheDay
g: 1 Posted By: iLetTheDogsOut
Views: 77 Replies: 0 Nest Protect: Smoke + Carbon Monoxide Alarm (Wired 120-Volt) Two for $199.00 FS @ HomeDepot.com


"Buy any combination of 2 for $199! Purchase any 2 Nest Protect: Smoke + CO Alarms (Online IDs 204658455 & 204658100) and save $59. That's only $99.50 each. Discount will be taken in shopping cart; maximum discount applied to 4 units."


"Safety shouldnt be annoying. The Nest Protect smoke and carbon monoxide (CO) alarm quiets down when you wave - no more swinging towels or brooms - and sends a message to your phone if the alarm goes off or the batteries run low. Instead of just chirping and howling at you, Nest Protect speaks with a human voice. It gives you a friendly Heads-Up before burning toast turns into an emergency, and tells you which room the smoke or CO is. Low-battery chirps ever rattle your dreams, Nightly Promise shows you its sensors and batteries are working before you doze off. "

​Amazon for Reviews
Home & Garden Deals

Home Depot Coupons
g: 0 Posted By: Deals4mykids
Views: 306 Replies: 0 http://www.gearbest.com/survival-emergency-gear/pp_16229.html

Multifunctional keychain, can be used as carabiner, key ring, hook, outdoord hooks
Also available for hanging kettle, knapsack,etc
Tools Deals
Mountaineering Aluminum Alloy Tiger Buckle .59 cents w/FS
Added on : Monday March 17th 2014 06:00:02 AM
g: 0 Posted By: Shawnkk
Views: 108 Replies: 0 I found this by the way of Woot.
http://www.gearbest.com/survival-emergency-gear/pp_16229.html

Red Portable and Functional Mountaineering Aluminum Alloy Tiger Buckle

Main Feature:
Made of aluminum, solid and durable
Multifunctional Tiger button
Portable and Smart Aluminum Alloy Made Vise
Next to the two ears can open the same activities
For outdoor excursions and outdoor adventure, especially climbing.
Bottle Buckle with Carabiner can also be used as fashion accessory
Detachable Aluminium Carabiner is an ideal small present and handy tool

Specification:
Size: 10.6x4x1.3mm
Product Weight: 16g

Package:
1x Tiger Buckle

Sports & Outdoors Deals
g: 0 Posted By: Deals4mykids
Views: 152 Replies: 0 http://www.gearbest.com/survival-emergency-gear/pp_16229.html

Multifunctional keychain, can be used as carabiner, key ring, hook, outdoord hooks
Also available for hanging kettle, knapsack,etc
Tools Deals
Medical charges from Mexico
Added on : Friday March 14th 2014 12:00:07 PM
g: 0 Posted By: CheapBustard
Views: 144 Replies: 3 Need advice on how to deal with unexpected bills from Mexican Ambulance. While on vacation in Cabo San Lucas in Dec of 2012, my mother-in-law had a medical emergency. She was on a boat that took myself and my kids to para-sailing boat and her finger got jammed between the two boats when they came together. Both boats belonged to a well-established local beach activities company. Her nail and a small piece of bone got sheared off, there was a lot of blood and pain. On the shore people in uniform (may or may not have been police) called ambulance. Ambulance people told us they would take us from Cabo San Lucas to San Jose del Cabo (probably 50 km away) to a clinic. When I questioned why we needed to go that far I was told that this was the only clinic that could do a surgery that was open at this hour. At that clinic (turned out to be private) doctors performed a surgery and requested us to pay everything in full on the spot. I was surprised that the activities company did not step in and took care of it, basically leaving us on our own. So my in-laws paid the bill (about $3,000 USD) that included $450 for the ambulance. Back in the US they got partial reimbursement from their insurance. About 10 months later they got their first letter asking them to pay roughly $3,000 USD. The letter had their correct address but their names were horribly misspelled. I was sure that was the same bill they got originally and told them to toss it since they already paid it. Letters kept coming and after looking more closely I figured that this was a new bill, just for the ambulance part. This was never presented to them and they were never told there would be an additional charge forthcoming. I'd like to ask for advice on what to do in this situation - should they ignore it, should I contact the company that is sending the bill, should I ask to verify the charges or should I wait until this gets sold to collection agency? Or should they go to a lawyer? BTW, my in-laws have very limited English so it would have to be me doing whatever it is needed to be done. I apologize for the long story, but I wanted to provide as much info as I can. I will attach images of receipts and bills.
Personal Finance Deals
Executive Savings Plan for fun and profit
Added on : Wednesday March 12th 2014 03:00:11 PM
g: 0 Posted By: CptSavAHo
Views: 47 Replies: 2 My company offers an Executive Savings Plan and you can defer up to 100% of salary including bonus but you have to elect your participation as a % of salary at the start of the year. This year I elected 5%. As I understand it the money put into ESP is before tax and does not count as income when taxes are filed, and only reported as income when withdrawn or required to be reported as an asset on most federal forms. This had me thinking that there could be several lucrative times and ways to defer significant portions of my income.

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

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

I'm sure there are more ways to utilize it.
Personal Finance Deals
g: 0 Posted By: heyyl0w
Views: 204 Replies: 0 That Daily Deal has a Rechargeable 12V LED Power Plug Flashlightfor $4.49 with free shipping.

This handy Pilot Automotive L.E.D. 12 Volt Power Plug Flashlight is the perfect item to have in case of an emergency. It charges right in your 12V plug (cigarette lighter) in your vehicle so it's easy to use and always at your disposal! Small and conveniently located within reach. Never be stuck in the dark without a flashlight! It's rechargeable and ready to use. Works on all 12 Volt power.

Product Details:

Made by Pilot Automotive
Model IP-076BZ
Dimensions: 1.1x3.1x4.9 inches
Long lasting LED - Up to 100,000 hours of life
Built in Battery
Note: Color of EXTERIOR will vary

Sports & Outdoors Deals
g: 0 Posted By: KayK
Views: 199 Replies: 10 CNN link : http://money.cnn.com/2013/06/24/pf/emergency-savings/

While there were only 1000 individuals surveyed, I dont think actual numbers would be much different.
Key points from article:

< 1 in 4 have > 6 months savings.
50% have 3 months in savings
27% have no savings at all
22% have less than $100 in emergency savings
46% have less than $800 in emergency savings


What is making it so difficult to save? Is it show off (having the latest and greatest cell phone / tv / house)? Is it education/medical debts? Is it just regular day-to-day spending habits?

Being on fatwallet, and being from a family that cares about not being blind-sided by unexpected costs, I have saved enough money to last me much longer than 6 months. Why has not an average American learned that? And if they currently living paycheck-to-paycheck, why is it so hard for them to change their ways?
Personal Finance Deals
"Plan and Prep: Surviving the Zombie Apocalypse": Free kindle book
Added on : Tuesday March 11th 2014 07:00:09 AM
g: 1 Posted By: SelfGovern
Views: 158 Replies: 0 22 reviews include 20 5-star, 1 4-star and 1 2-star.
A combination fiction story with "an introductory guide to emergency and disaster planning and preparation. Focusing on teaching the basic concepts of emergency and disaster preparedness the author utilizes amazing artwork and several short story-lines that follow the fictional Bill Jones and his family as they navigate their way through a series of emergency and disaster events, culminating in the outbreak of a Zombie Apocalypse. "

http://www.amazon.com/Plan-Prep-Surviving-Zombie-Apocalypse-ebook/dp/B007M41J3O/ref=sr_1_1?s=books&ie=UTF8&qid=1394556760&sr=1-1&keywords=plan+and+prep

Link may be being broken by re-direct... a search on Amazon for "plan and prep" finds it.
Totally Free Deals
g: 1 Posted By: ctgolfer
Views: 117 Replies: 0 www.ebay.com/itm/371005421452
Electronics Deals

eBay Coupons
$80k in the bank....what to do?
Added on : Thursday March 06th 2014 05:00:22 AM
g: 0 Posted By: Scottiedug
Views: 102 Replies: 4 Hey FW'er's,

So I am generally not on the finance form because I keep burning through all my money buying deals listed on FW . However, I have a close friend that has just over $80k in the bank and she doesn't know what to do with it. I suggested to go and see a financial adviser, which she did, but the guy wants $2k per year to manage her money.....and so far has been very sketchy with what he would actually do. So, before she goes down that path I thought I would just ask what you all think.

Is $2k a year to manage a portfolio kinda expensive? I thought it would be more based on a percentage of the performance of her cash/his work.

If you did have $80k in the bank, and assuming you have zero debt, what would you do to invest the money? The checking account the money is in has very little interest, so I would guess its loosing value with inflation. The requirement only is, that she would like to get to the money in an extreme emergency, however a full $80k seems a lot, maybe $20k immediately, $60k sitting in some fixed term account as I suggested.

So I know its probably been posed a number of times, searching through the threads I pulled up some older answer, but if you have any thoughts what you would do today with that money, I'd love to give her some ideas!

Bitcoins and gold are probably out
Personal Finance Deals
Mongoose 26 in Spectra Men's Bike $129.99 at Kmart free pickup
Added on : Wednesday March 05th 2014 04:00:05 AM
g: 0 Posted By: ArtieLange
Views: 147 Replies: 0 Mongoose 26 in Spectra Men's Bike $129.99 at Kmart free pickup

http://www.kmart.com/mongoose-26-in-spectra-men-s-bike/p-080W005...


The Mongoose 26 In Spectra Men's Bike is designed for male riders over 60 inches tall
Quick release seat ideal for easy transport
Linear pull brakes for emergency stops
Stylish silver steel frame and 26-inch wheels
Suspension forks for a smoother ride on mountain terrain
3-piece mountain crank and 21 speeds to match any incline or obstacle on your ride
Ideal for long rides and mountain race training


Bicycle Deals

Kmart.com Coupons
Lumens MXDL Super Bright Flashlight - $5.59 + FS @ Tmart
Added on : Tuesday March 04th 2014 02:00:05 PM
g: 0 Posted By: mmax
Views: 244 Replies: 0 3W 200Lumens MXDL Super Bright Flashlightis on sale for only $5.59 + Free Shipping at Tmart. Has good reviews, and having a flashlight on hand in case of emergency is something everyone needs.
Tmart said: Particularly high-quality and super bright flashlight reflects its outstanding value, which will be one of the most impressive flashlights weve tested. This is 3W 200 Lumens MXDL Super Bright Mini LED Flashlight Black. The LED flashlight is convenient and practical for your daily use. The beam from this LED flashlight is bright and stable. The fashionable LED flashlight is an ideal companion for you in the dark as well as a good helper for your camping, hiking, fishing, home lighting, etc.

Deal URL:

http://www.tmart.com/3W-200-Lumens-MXDL-Super-Bright-LED-Flashli...
Home & Garden Deals
Emergency AM/FM/WX Crank Radio (20-576) ($12.99 was $49.99) @ eBay
Added on : Saturday March 01st 2014 06:00:10 AM
Emergency AM/FM/WX Crank Radio (20-576) - $12.99 FS @ eBay
Added on : Saturday March 01st 2014 06:00:06 AM
g: 0 Posted By: slervik
Views: 255 Replies: 0 http://www.ebay.com/itm/Emergency-AM-FM-WX-Crank-Radio-20-576/371005421452
Electronics Deals

eBay Coupons
Trademark Set Of 3 Emergency Lanterns $9.99 @ Kmart
Added on : Thursday February 27th 2014 05:00:05 PM
g: 0 Posted By: puggle
Views: 193 Replies: 0 Trademark Set Of 3 Emergency Lanterns $9.99 @ Kmart
Shipping free
http://www.kmart.com/trademark-set-of-3-emergency-lanterns/p-089...
Home & Garden Deals

Kmart.com Coupons
Advice requested - Semi-Retired - When to circle the wagons?
Added on : Wednesday February 26th 2014 09:00:10 AM
g: 0 Posted By: eddot98
Views: 158 Replies: 5 My wife and I are 63 and 62 years old respectively. We do not have children and have no relatives that we need to provide for. My wife is retired, I am semi-retired. We own our home, own our 2 Camry's, have no credit card debt or any other kind of debt, and have a year's worth of emergency cash earning paltry rates of interest, but are the best available now. We have another year's worth of money in various stocks in taxable accounts. We have beencollecting my state retirement(for 4 years now)that provides 68% of my preretirement salary as long as either I or my wife lives. Unfortunately that amount is not indexed for inflation. We are not collecting Social Security yet, my wife never contributed, butwhen I am66.5 years of age (June 2017), we can collect another 42% of my preretirement salary, with my benefit and her spousal benefit. I have been working part time for the last 4 years, earning an extra 30 to 40% of my preretirement salary, but that is coming to an end very soon. We have $800K in deferred compensation accounts, Roth IRA's, IRA's, and a 401k.Three quarters ofthis money is invested in S&P 500 index funds, with almost all of the rest in the Fidelity Contra fund. I do not like Bond funds, never have.

The question I am asking the FW community finance experts is this: In my deferred compensation plan, there is a Stable Income Fund option, currentlypaying about 1.8% interest, pretty much its all time low due to the current financial conditions. Is it time to "Circle the Wagons", put about $600K into that fund and take a much lower rate of return to be assured that amount of money will be safe. As an aside, we are not extravagant, but live well enough, taking at least 3 timeshare weeks of vacation a year (sometimes flying to destination, mostly not), an off season 2 week trip to Europe yearly, and once monthly weekend trips to nearby destinations. We also have 1 million Marriott points. So, we are enjoyingourselves enough. I do not want the hassle of a second home either.
Investing Deals
High Deductible plan versus. Traditional plan
Added on : Sunday February 23rd 2014 02:00:05 PM
g: 0 Posted By: couponqueenabk
Views: 80 Replies: 0 I am trying to decide between the two health plans offered by my employer. I am married (30 yrs. old) with no kids. My husband will remain on his own plan, so I will opt for a single plan.

High Deductible-
Monthly employee cost - $111.39
Deductible - $3,000.00
Coinsurance - 0% after deductible (for hospitalization, emergency room and office visits). Preventative care is 100% covered (deductible does not apply).
Out of pocket maximum = 4,000
Note that the high deductible plan still gets the insurance carrier's negotiated rates.

Traditional:
Monthly employee cost - $189.98
Deductible - $500.00
Coinsurance - 20% after deductible, emergency room = $200 copay and 20% coinsurance; office visit = $20 copay; hospitalization = 20% after deductible; same preventative care as above
Out of pocket maximum = 3,000

This is very perplexing to me. Annually, I would pay about $950 less in premiums under the high deduct. plan. I feel that the simple answer is that if I plan on seeing the doctor 0-3 times per year (as was the case with me for 4 of the past 6 years), and assuming a doc visit costs about 100 bucks, I should pick the high deductible plan.

HOWEVER ---- My husband and I are trying to have a baby, so, in that case, we would probably want the traditional plan, correct (due to the lower out of pocket max and assuming deliver costs around 10k)?

Any thoughts? Am I missing anything in my rationale?
Personal Finance Deals
Augason Farms 12 Day Emergency Food Pail $39.98 @ Walmart
Added on : Thursday February 20th 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 71 Replies: 0 www.walmart.com/ip/20532431
g: 0 Posted By: ArtieLange
Views: 153 Replies: 0 Barska Compact Biometric Keypad Safe AX11644 $139.99 shipped at NeweggSold and Shipped by: Barska

http://www.newegg.com/Product/Product.aspx?Item=9SIA05T0683217&T...






Compact biometric keypad safe brings storage security technology to the next level. The new multi-access safes add versatility to function by having two independent quick access methods and a back-up key. The Barska method of multi-access is a functioning solution to delegate access to valuables or weapons in any situation. Each access method functions independently fingerprint or keypad access as to not compound frustration and to give you peace of mind that you will always be able to access your safe in time of an emergency. The smaller dimensions of the safe mean that it can be kept in little spaces out of reach of everyone but still accessible to the registered users. Holds up to 32 different users and one pin code.
Home & Garden Deals

Newegg Coupons
13Deals-Rechargeable 12V LED Car Flashlight $7.99 + Free S&H
Added on : Friday February 14th 2014 08:00:04 PM
g: 0 Posted By: GraPaJo
Views: 91 Replies: 0 Rechargeable 12V LED Car Flashlight - Light When You Need It! - $7.99!

http://13deals.com/store/item.php?id=19050

Retail: $24.99

$7.99

You save: 68%

Free S&H

Product Info

Comes in a variety of colors, but mostly black and silver. Color will randomly be selected.A great item to have for your car, truck, or boat! The 12V LED Car Spotlight provides intense light on the go, and is very handy for emergency situations. It's high power 5 watt LED bulb shines up to 30 meters. Fits most automotive 12V sockets, and retains 120+ minutes of light per charge (rechargeable Ni-MH Battery). The solid state LED typical lifetime is 10+ years, meaning this item is going to stay with you for the long haul!

Product Features:

Anadonized aluminum body
Rechargeable Ni-MH Battery
120+ minutes of light per charge
High power 5 watt LED bulb shines up to 30 meters
Fits most automotive 12V sockets



Tools & Automotive Deals
g: 0 Posted By: ctgolfer
Views: 131 Replies: 0 www.dailysteals.com/#deals/19456
Electronics Deals
g: 0 Posted By: PatrickM213
Views: 21 Replies: 0 I was just hired as a truck driver in the oilfield. It's fairly dangerous work(aside from driving, I will be around many large objects that can explode or fall).

I've never purchased or concerned myself with things like disability insurance before and I am hoping to get some feedback on my options. My employer offers ADD insurance(1x base pay) with the option of purchase additional coverage, as well as optional short term and long term disability.

I'm single with no dependents, and currently no major assets(live in a travel trailer out in the oilfield). I am not so concerned about short term as I plan on having a significant emergency fund. If I die, so be it.. but I am concerned about the very real chance of being seriously injured(lost limbs, fingers, broken bones etc. A friend's brother lost an arm for example). My intention is to work in the oilfield for 5 years, not necessarily as a truck driver but in just as if not more dangerous contexts.

Suggestions, feedback and links to educational resources are appreciated!

Rates for additional coverage for me would be:
ADD:$0.07 / $1000 (Increments of 10k from$20,000 and $2 million. The maximum
coverage cannot exceed ten times your annual base pay)
STD: $.32 / $10 of weekly coverage (Up to 60% of base pay after 14 days. Max 24 weeks out of 12 months for same condition).
LTD: $.97 / 100 of monthly (If you meet the disability requirements and are unable to work due to sickness or injury after
180 consecutive calendar days, you may receive up to 60% of your regular monthly base
pay. Your disability coverage may continue until age 65, provided you continue to meet
eligibility requirements.)


Personal Finance Deals
Balancing Student Loans, Retirement Funds, and life's expenses
Added on : Friday February 14th 2014 05:00:21 AM
g: 0 Posted By: itslikepaper
Views: 49 Replies: 0 Hello,

First of all, thank you in advance for any and all advice. I've been reading and learning quite a bit on FWF for a long time now, but this is my first time posting. FYI - I wish I knew about this forum before I took out these damn student loans.

Main Question: How should I allocate my income in order to responsibly pay off my student loans while still saving for retirement and other life expenses?

Profile:
26 years old
Employed, Full-Time, earning $48,000 per year - company does not match 401(k)
Married (26 years old, earning $25,000 per year)

Loans:
$27,718 - 6.8% Unsubsidized
$4,357 - 5.6% Subsidized
$5,512 - 6.0% Subsidized
$22,202 - 6.8% Subsidized
$2,627 - 2.35% Subsidized

Other expenses:
Rent & Utilities $1,100/month
No credit card debt
No auto loans

Assets:
$11,000 in Savings Account

Here's my two lines of thinking

A)
1. Max out Roth IRA as an emergency fund up to $11k (2014 & 2015)
2. Keep $3k in Savings, but put the remaining $2,500 (11k - 5.5k Roth contr - 3k savings) into the 6.8% Unsub student loan.
3. Pay minimum on lower interest rate loans while throwing everything else at the 6.8% Unsub loan.
5. An option (please give your opinion) is to enroll in an online course at a local Comm College to postpone interest on Subsidized loans.
6. Work hard and earn more money.

PROS:
Fastest way to pay off student loans.
Simplicity (no BTs and no crossing fingers for some kind of student loan bailout)

CONS:
No room to save on down payment for house
No retirement savings

OR

B)
1. Max out 401(k) to lower our AGI
2. Pay minimum on student loans
3. Get a job in the public sector (and probably a pay cut) to take advantage of PSLF (Public Service Loan Forgiveness - forgives all loans after 120 monthly payments)
4. Continue to keep AGI as low as possible using 401(k).

PROS:
Paying min on student loans gives me more flexibility with my money
Significant retirement savings

CONS:
PSLF, like anything else the government does, is not guaranteed to be around in 10 years
Taking a pay cut
I'm sure there are more cons, but drawing a blank right now

So, it feels like to me that these are my only two options and that they are mutually exclusive i.e. I can't really do a hybrid of both options to take advantage of the PROS. Any other ideas and suggestions are appreciated!

Thank you all again for any advice you can contribute!!!!!!



Personal Finance Deals
Comprehensive auto insurance AND emergency fund?
Added on : Thursday February 13th 2014 07:00:10 PM
g: 0 Posted By: RunToday
Views: 63 Replies: 1 What's the point of paying a risk premium for comprehensive auto insurance if you can afford any repairs with your emergency fund?
Discussion Deals
How liquid does an emergency fund need to be? Cash in hand?
Added on : Thursday February 13th 2014 09:00:16 AM
g: 0 Posted By: RunToday
Views: 73 Replies: 3 Various asset classes have differing amounts of time to obtaining cash. How do you gauge how liquid you need to be?

-An online savings account might take 4 business days to transfer to a local bank, but you could write a check from it.
-Most local banks will let you cash out about $500 at an ATM daily, or if your emergency happens during bankers hours you can get it then.
-A taxable stock portfolio can be liquidated if it's at a place like Fidelity, so long as your emergency happens during trading hours. Then you can get $500 daily by ATM. Or you could write a check for the whole shebang.
-A credit card will work in a pinch, too.
General Economics Deals
g: 0 Posted By: Gauss44
Views: 6 Replies: 0 I had an acquaintance a while back who said that she had to file bankruptcy after having a dental emergency and no dental insurance. I'm truly puzzled by this because my research indicates that Delta Dental's high individual plan (which anyone can purchase, regardless of employer) costs about $600 a year for a maximum of only $1000 of coverage. Based on those numbers, "Why would anyone bother purchasing dental insurance?," I wonder.

In the meantime, I definitely need to see the dentist myself and currently have no dental insurance myself. I could easily purchase insurance but don't see the point. (Do you?) In addition to dental maintenance like cleanings, I may have trouble ahead given that my front teeth have minor cracks near the ends and one of them is getting a white spot on it. I'm truly puzzled as to whether or not I am overlooking a substantial reason to get dental insurance?.. As far as I can tell, I should just pay out of pocket and forget insurance. ("Pay $600 for the possibility of saving $400" doesn't make sense to me.)

Do you all have dental insurance? Why? Why not? Is there a better alternative to dental insurance?
Discussion Deals
Need advice re student loan/mortage refi with cash available
Added on : Monday February 10th 2014 08:00:21 AM
g: 0 Posted By: throwaway2001
Views: 83 Replies: 0 So my wife and I have collectively about 300K in student loans and a $350K mortgage (house is valued at $300K currently in a yearly arm after having a 7/1 expire). We have $200k in liquid assets. My wife is a stay at home mom for now, but when full time employed, pulls in six figures as I am doing now. Okay those are the deets- now to my considerations-

1. I am in a position to perform a HARP 2.0 at any time (I haven't refi'ed yet since purchasing the house)- however, I'm concerned of having to have a higher apr due to the program- I'm also concerned about being locked into the HARP 2.0 terms- I've read that I can't refinance if I'm in the HARP2.0 program (definitely not again with another HARP 2.0 but am unsure if after paying down principle that I would be able to refi through another bank for an ARM or 30y in the next 3-5 years after having done a HARP 2.0.) I would then continue to invest as I have been doing eventually paying everything down at some point before I die.

2. With our liquid assets- my other consideration was paying down the mortgage- then refinance with a 5/5 or 30yr. basically invest $150k from assets and have $50k in case of emergency- then chip away at student loans and mortgage until I die.

3. Paying off a majority of student loans- I'm getting no benefit from student loan interest through taxes due to my earned income- paying off those loans seems premature when my house is underwater- nonetheless- eventually paying off my student loans would provide more money to pay down my mortgage until I die.

My thought was basically do #2 (pay down the house and refi)- assuming housing continues to recover- potentially refi again later on and pull some money out of the house to pay off some of the student loans- by that time, I would have made a pretty good dent in the loans to potentially pay it all off- this would be at the cost of still owing a vast majority on my house and maybe getting dinged with higher rates later on- but I'd benefit from taxes from the mortgage all the while.

Any advice into how to handle this debt load with my available assets would be greatly appreciated.
Thanks

Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 184 Replies: 0 Today Only

www.homedepot.com/SpecialBuy/SpecialBuyOfTheDay
Sports & Outdoors Deals

Home Depot Coupons
g: 0 Posted By: MISTERCHEAP
Views: 135 Replies: 0 http://www.sears.com/shc/s/p_10153_12605_02801223000P

$3.37 version
or


http://www.sears.com/shc/s/p_10153_12605_02803548000P

$5 version


also this version for $8Hoppy Ice Crusher Extenderhttp://www.sears.com/shc/s/p_10153_12605_02801226000P




Hoppy Emer. Shovel $9.94

Hoppy Auto Emergency Shovel http://www.sears.com/shc/s/p_10153_12605_02801227000P
Home & Garden Deals

Sears Coupons
g: 0 Posted By: jessicadabears
Views: 307 Replies: 0 Defiant 7-LED Headlamps (2-Pk.)- $1.98 at Home Depot In-store Pickup only. YMMV.

8-hour battery life
1-year Warranty
Bright premium grade LEDs
4 light modes including: white, red, green, and red flashing for emergency
Adjustable elastic headband included
Includes 2 headlamps and 6 AAA batteries

Home & Garden Deals

Home Depot Coupons
Hoppy Auto Emergency Shovel ($4.94 was $10.99) @ Sears
Added on : Tuesday February 04th 2014 09:00:06 PM
Hoppy Auto Emergency Shovel $4.94 in-store @ Sears
Added on : Tuesday February 04th 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 52 Replies: 0 www.sears.com/shc/s/p_10153_12605_02801227000P
Tools & Automotive Deals

Sears Coupons
Miikey MiiPower Mii-Only 5600 mAh Power Bank - White $34.99 shipped Woot
Added on : Tuesday February 04th 2014 12:00:03 AM
g: 0 Posted By: ArtieLange
Views: 144 Replies: 0 Miikey MiiPower Mii-Only 5600 mAh Power Bank - White $34.99 shipped Woot

http://www.woot.com/offers/miipower-5600-mah-power-bank-white#


Comes with adapters to charge 30-pin Apple products and microUSB/miniUSB products at home or in the car
With its 4 LED indicator on top MiiPower helps you know the energy level it is on
Powerful 5600 mAh battery will charge an iPhone or other smartphone 3 times before it needs to recharge itself
Built-in emergency flashlight that can keep you out of the dark for up to a week

Batteries & Chargers Deals

woot! Coupons
g: 0 Posted By: ctgolfer
Views: 168 Replies: 0 shipping adds $3.99

www.priceplunge.com/?ai=7381
Electronics Deals
Car Accident Law suit?
Added on : Sunday February 02nd 2014 01:00:04 PM
g: 0 Posted By: AMV75
Views: 4 Replies: 0 My wife was in a accident a week ago, she was traveling home from work on the expressway and was rear ended, she was behind a salt truck moving at 45 mph, the car that struck her was moving at 60 mph, she spun out of control hitting the side rails several times, our 2013 Kia was a complete loss. payoff amount $13,500. The cops came on seen and sighted the other driver 100% in fault of the accident. I took my wife to the emergency room where she had a M.R.I. and x-rays. She suffers from severe whip lash and bruising from the airbag impact. Her doctor took her off work for at-least 3 weeks and recommended physical therapy. Her 1st day of therapy will be on Monday. She earns a salary of $80,000 annually. I contacted an attorney and he really wants the case, but they take 33% and I would like to get a settlement without the use of an attorney... according to my research this is what attorneys do....

Obtain and review the Accident Report
Speak to the investigating officer
Locate witnesses
Obtain photographs of the vehicles involved
Review your medical records
Speak to your doctor
Review your medical bills
Communication with the insurance company
Review potential lost wages
Review the at-fault drivers driving record
Review the at-fault drivers criminal record
Negotiate a settlement
File a lawsuit only if necessary

and in the state of Ohio where the accident happened these are the different things we can go after money for.....I am reaching out to anyone who wants to offer an opinion on how much I should ask for or accept from the insurance company (Progressive) in total for all of these items, I have included estimated cost for what I know so far..

Medical treatment expenses ($5,000)
Income loss from missing work ($6,000 and counting)
Pain and suffering (????)
Emotional distress (????, she is terrified to drive in snowy weather)
Loss of enjoyment (????,she will not be able to see her son wrestle in at-least 3 big tournaments,)
Property loss ($13,500)
Punitive damages (????)

thanks in advance, and ask any questions you need to help me figure this out.


Personal Finance Deals
Target B&M -LectronicSmart by Conair now $7.48 emergency phone charger
Added on : Sunday February 02nd 2014 07:00:07 AM
g: 0 Posted By: yvrsfo
Views: 88 Replies: 0 Saw in luggage section - travel accessories LectronicSmart by Conair - Emergency Cellphone Charger @ 70% off $24.99 , now only $7.48 - comes w retractable usb + 6 different tips for most phones: micro usb, mini-usb, nokia 2x, apple (orig Iphone,3G,3GS,4,4S) and LG , charger uses 2 AA Alkaline batteries .
Although charger not the best , worth getting just for the retractable usb cord with the 6 tips

still lots in stock @ Target's Sunnyvale, CA store

http://www.target.com/p/conair-electronic-smart-battery-charger/...
Electronics Deals

Target Coupons
RoadHandler Emergency Kit $14.99 @ Kmart
Added on : Thursday January 30th 2014 08:00:02 PM
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 www.kmart.com/shc/s/p_10151_10104_082W001447374001P
g: 0 Posted By: peekpeek
Views: 165 Replies: 0 Schumacher SE-3612 Wheeled Charger/Starter
Amperage: 2A / 40A / 200A

Are stud-mounted and made of heavy-duty silicon diode rectifiers
Equipped with cooling fan for high-performance and long life
Accommodates both 6 and 12-volt batteries
2-amp trickle charge charges a small 12-volt battery in 2-12 hours
40-amp charges in 1-3 hours

This manual wheel charger is a versatile wheel-style charger which is great for both slow and fast applications on 6 and 12-volt batteries. The high-output engine will assist batteries in cranking most engines under severe summer or winter weather conditions. Its 200-amps help engines for emergency starting and the 40-amp fast charge helps to charge a battery in 1-3 hours. The 2-amp trickle charge charges a small 12-volt battery in 2-12 hours. It is back-lit, impact-resistant, and has a color-coded meter for work convenience before dawn and after dusk.

Use promotion code SHIPPING$1 for $1 shipping on orders over $49

http://www.farmandfleet.com/products/357166-schumacher-wheel-sty...

More details here
http://www.batterychargers.com/ProductDetail.aspx?ProductName=94...

Manual in PDF here
http://www.batterychargers.com/Documents/0099001427-R0.pdf


Price at Amazon is $153, lowest ever was $134
http://www.amazon.com/Schumacher-SE-3612-Manual-Wheel-Charger/dp...
Tools & Automotive Deals
g: 0 Posted By: DaysFan
Views: 0 Replies: 0 http://1sale.com/electronics/audio-gaming/amfm-weather-alert-radio/Eton AM/FM Weather Alert Radio w/ Hand-Cranking USB Charger, Flashlight & All 7 NOAA Weatherband Channels!$17.9956% OFFList Price:$39.99
Product InfoStay prepared for natural disasters, inclement weather, and emergency situations with this Eton weather alert radio. It receives AM & FM signals, all 7 NOAA weatherband channels. It also includes a built-in flashlight and USB charger that are powered by hand cranking, making it perfect for staying connected, informed, and prepared even in power outages.FEATURES



AM (520-1710 KHz) & FM (87-108MHz)
NOAA weatherband all 7 channels
3 Built-in white LED light source
Powered by solar panel, dynamo crank, or DC input (mini-USB), all of which charges the internal Ni-MH battery
USB dump charge: Instantly charge your USB device after cranking, to get power when you need it most (USB cable not included)
3.5 mm headphone output
Dimensions: 5.375 x 2.5 x 2.25
Weight: 8.6 Ounces



Shipping Info

FREE SHIPPING,as always
Delivery Estimate:3-4 Weeks

Specs

Brand:Eton
Model:FR-170
Condition:New
Warranty:1 Year
Packaging:Retail

Included ItemsEton AM/FM Weather Alert Radio
Osprey Sirrus 24 Backpack - Women's $69.95 FS @ usoutdoor
Added on : Friday January 24th 2014 06:00:07 AM
g: 0 Posted By: tedhawkins
Views: 27 Replies: 0 Osprey Sirrus 24 Backpack - Women's $69.95 FS @ usoutdoor

http://www.usoutdoor.com/deal/

Description: Osprey Sirrus 24 Backpack - Women's
Osprey designed the Sirrus line of backpacks especially for women, giving them a great option for day hiking or peak bagging with a customized fit. The Osprey Sirrus 24 Backpack is the smallest in the series, with 24 liters of cargo space, enough room for extra clothes and food for a full day on the trail. This is a front loading pack, which means convenient easy access to everything in the pack at once--no need to have to dig through stuff to find what you want. Inside the Osprey Sirrus 24 is a designated pocket for a hydration reservoir, sold separately, plus a rain cover that stores away until you need it. Mesh panels on the side feature compression straps to lock your gear in place, while a harness pocket allows you to safely store your cell phone in case of an emergency. With padded pockets and back panel, the Sirrus 24 Backpack takes you on a comfortable ride.
Features of the Osprey Sirrus 24 Backpack - Women's

Capacity: Sm 1400 cu in (22L) / Md 1500 cu in (24L) / Lrg 1600 cu in (26L)
Weight: Sm 2 lb 5 oz (1.05kg) / Md 2 lb 7 oz (1.11kg) / Lrg 2 lb 9 oz (1.15kg)
Material: 210 Double Ripstop Nylon / 420 HD Nylon Pack Cloth
Hydration Compatible: Yes
Dimensions: 21 x 13 x 10.25 in / 53 x 33 x 26 cm
Gear loops: Ice axe loop and trek pole attachment
Compression: Upperside compression strap
Pockets: Zippered pocket on hip belt
Backpanel: Stretch mesh backpanel
Rain Cover
Clothing Deals
g: 0 Posted By: slervik
Views: 61 Replies: 0 Meritline has the Pocket Fire Starter for Camping & Outdoor Survival on sale for $1.69 down from $3.99. Free Shipping.

Strikes well over 10,000 times
Waterproof
Chain Attaches easily to packs and gear
Very compact and light
Satisfaction 30-Day Return Policy (If you're weary on buying this product, you have 30 days to return it for full refund.)



FIRE STARTER LINK



*You could also make it a bundle and get these other items on sale:

10,000 Strike Survival Match Oil Lighter - $2.29
26" Military Commando Pocket Size Camping Surviva Emergency Steel Wire Saw Blade - $2.69

Total for bundle is $6.67
Sports & Outdoors Deals

Meritline.com Coupons
g: 0 Posted By: attaallah
Views: 165 Replies: 0 5600mAh Cell Phone Battery Backup Power Bank Emergency Power Source

Price : $22.99

Use Coupon : GearXs-012014 will bring it down to
Total: $12.99
Free shipping


Batteries & Chargers Deals

GearXS Coupons
g: 0 Posted By: ctgolfer
Views: 143 Replies: 0 www.dailysteals.com/#deals/18124
Tools & Automotive Deals
qualifying for mortage with low income but lots of cash
Added on : Tuesday January 14th 2014 01:00:13 PM
g: 0 Posted By: creamade
Views: 184 Replies: 3 long time reader, first time poster. I hope you wise folks can help advise with my situation!
I am recently married and we are looking to buy a home by mid-2015, earlier if possible. We are in a high COLA in the Northeast where home prices we are looking at are in the 600-700k + range. While these homes still will need more money for renovating, this is a hot neighborhood due to excellent school district. We only want to buy once, buy right, and buy before prices get too high.
The gist is, I am a w2 employee grossing $35k annually. Short 2 year credit history, scores about 720. My wife grosses $55k, excellent 10+ year credit history.
She has a 401k, I have a Roth IRA. We have combined cash assets of $120k+, and currently do not pay rent (live with parents). Only expense other than the usual cellphone/groceries is a car lease.
In addition to my income, I also pick up a lot of odd jobs, tips, eBay/craigslist flips, etc. and earn an additional $30k cash a year.

The concern is, although we have enough to put 20% downpayment, we would still need to borrow at least $500k. We fear that our combined income will not qualify us for this amount at a good rate!
What are some options / obstacles we should consider?
-Do I pay the tax on the extra cash earned under the tables, as a 1099? However, research seems to show that a) a 2-year history of 1099 is needed, and b) alternate sources of income don't count anyways.
-Do we put more money down and borrow less? How much more? 25% is probably pushing our comfort limit assuming a $600k home. (And honestly, a $600k home here is in ugly condition.) This will be presumably difficult to still secure a good loan at a good rate, not to mention cough up all our savings. I think we would still need to keep at least a few months worth of Emergency funds, right?
-Find a lender that will accept my lower income, but pay more in points / higher rate?? Refi later on? We are not very comfortable with this option, as it is possible these lenders/banks may be shady and more expensive in the long run.
-Get our parents to co-sign?
- ???

Real Estate Deals
Coleman Exponent Lithium Flashlight - $15.99 (Was $69.99) @Coleman.com
Added on : Tuesday January 14th 2014 09:00:02 AM
g: 0 Posted By: mmax
Views: 195 Replies: 0 Great deal for a flashlight that normally costs $69.99, now only $15.99. This was just newly added to clearance so it is probably not on many peoples radars yet. I found it for $39.99 at Amazon, so getting it for $15.99 seems exceptional.
Coleman said: Cree XLamp XR-E LED - 115 lumens on high
Selector dial changes light colors and electronic lock-out
Five 3MM red LEDs for enhanced night vision
White LED run time up to 1.5 hours on high and 6 hours on low Red LEDs run time up to 15 hours on high and 50 hours on low
Five-position switch Off/Momentary On/Low/High/Emergency Strobe
Tail cap smart switch technology - push button to cycle through settings but if left on any setting for a few seconds, the next activation turns the flashlight off
Durable, weather-resistant milled aluminum body for rugged use
Convenient tail cap easily attaches lanyard for key ring
Product weighs 4.2 oz. (118 g) with battery
May we suggest Collapsible Lantern #4347-714 (sold separately)
Dimensions: 3.9 in. X 1.1 in. (9.91 cm x 2.79 cm)


Deal URL:

http://www.coleman.com/product/exponentreg-1cr123a-lithium-flash...

Amazon Comparison:

http://www.amazon.com/Coleman-Exponent-1-CR123A-Lithium-Flashlig...
Electronics Deals
Wife Quitting Job - AOR & other advice
Added on : Monday January 13th 2014 06:00:16 AM
g: 0 Posted By: kogerk
Views: 46 Replies: 1 My wife is quitting her IT job in 2 weeks for both increased stress and personal reasons. It will be a bit tight, but we should be able to pay all our bills (mortgage, utilities, taxes, phone, internet, insurance) with my salary, without dipping too much into our savings/emergency fund. In the long term (after 1 year) she probably will look for other options. We have two rental properties (big thanks to FWF) that are positive cash flow (about $600/month) that I do not plan to dip into.

I am looking for advice on what steps to take in the next few months, so as to not run into problems and if possible exploit the current situation.
- Unemployment benefits is almost ruled out since she is quitting and there is no harrassment of any kind.
- Will transfer health insurance onto my name in the next couple of weeks.
- Plan to do an AOR on her name (details below - any input is highly appreciated)
- Anything else ...!!??

The AOR is primarily for points/CashBack. I plan to get big on BB/VR and MS to further supplement our incomes. We do not have CVS, Riteaid, OfficeMax. We have Walgreens though and will try my first VR today there.
Her credit score is about 705 (credit karma) and her current salary is about $65K (mine about $80K). Here is a list of potential ongoing offers. Am I missing some offers.
Wells Fargo 5 rewards points for every $1 spent on gas, grocery, and Drugstore net purchases for 6 months (primarily for VR at WGs) Barcley 2X on all purchases - ==2.2% CashBack NFCU 60K points with $3K spend in 3 months -- now 15K?? Marriot 70K points with 1K spend IHG Rewards Club 80K points with 1K spend Capital One 50,000 points with Capital One Venture Card Chase Slate Introductory Offer: 0% APR on Balance Transfers Chase Saphire 40,000 Ultimate Rewards points after $3000 within 3 months Chase Ink Bold 50,000 UR points
I plan to get a EIN and also apply for some business cards. We don't worry about any hits on her credit score, as we don't plan on refinancing or such in the near term. I have done couple pf mini AORs before but, I plan to optimize this AOR since we might not be able to show any income on her name for a while.

I would highly appreciate any advice on all pertinent matters. TIA>

Personal Finance Deals
Wise Foods Emergency Meals - From $24.99 @ Tanga
Added on : Wednesday January 08th 2014 04:00:09 PM
g: 1 Posted By: heyyl0w
Views: 276 Replies: 0 Tanga has a Wise Foods Emergency Meals salegoing on right now. Prices start at $24.99. Shipping varies depending on item selected.

Almost everything they're selling is at the lowest price I could find it. The food itself has mixed reviews from those that I saw. It's all dehydrated as opposed to freeze-dried. It seems like it's hit-or-miss on the taste, but the portion sizes are good. These would probably be best as an actual emergency/zombie apocalypse solution rather than using them for camping or other outdoor activities.

Options include:

Wise Foods Outdoor Meals 72-Hour Emergency Entree Kit- $24.99

Wise Foods - Real Eggs (24 Serving)- $33.99

Wise Foods - 120 Serving Milk Bucket- $49.99

Wise Foods 7 Day Ultimate Emergency Meal Kit- $84.99

Wise Foods 104-pc. Emergency Food Variety Pack- $92.99

Wise Foods 1440 Serving Package (6 Months of Food)- $1899.99
Food Deals

Tanga Coupons
g: 0 Posted By: fatbujy
Views: 160 Replies: 0 Lightning Deal

Ammex HW Heatworks Air-Activated Emergency Hand, Pocket and Glove Warmers $17.25 @ Amazon Lightning Deal


Clothing Deals

Amazon Coupons
g: 1 Posted By: sylwiawasowicz
Views: 64 Replies: 0 Eton American Red Cross Hand Turbine AM/FM/NOAA Emergency Radio/Flashlight $9.99 via Ebay.com
Tools & Automotive Deals

eBay Coupons
Nursery charge for newborn
Added on : Monday January 06th 2014 02:00:08 PM
g: 4 Posted By: bluegreenturtle
Views: 197 Replies: 0 I am hoping somebody with some sort of special knowledge of hospital billings might read this.

We recently had a baby. Normal delivery and the charges to Mom's account, while crazy high for a normal delivery without complications, were what we expected and she hit her $5000 out of pocket max anyway.

Then they started a billing account for the baby and started charging things to her. Ok, some of it made sense, like a diagnostic test or any medications (eye drops) given. But in addition to Mom being charged for the labor and delivery room and then the recovery room (the only 2 rooms we saw) they also charged the baby $1500 for "nursery." all of which will be out of pocket since it's under the deductible for the baby's account. I wrote to the hospital and asked about this, explaining that the baby never spent any time in a nursery or any other room, and the reply was "the hospital always bills for a nursery charge because there has to be a room avaiable in case the baby is ill or has complication." This doesn't make sense to me - do they always charge for the Operating Room in case a C section is needed? No. Do they always charge for an emergency cart because the mother or baby could go into cardiac arrest? No.

Anyway, is this normal practice? I'll have to pay the whole thing if we're liable for it, so it's worth a little bit of time to try to fight it or negotiate it. Also, if they just would have charged it to the Mother's account instead of the newborn, then the insurance would be on the hook for it. Is that impossible to ask for?
Personal Finance Deals
LEGO City Fire Emergency Play Set ($15.00 Compare at $31.99) @ Kmart.com
Added on : Monday December 30th 2013 11:00:04 PM
LEGO City Fire Emergency Play Set $15 in-store @ Kmart
Added on : Monday December 30th 2013 11:00:03 PM
g: 1 Posted By: ctgolfer
Views: 227 Replies: 0 www.kmart.com/shc/s/p_10151_10104_004W004700283001P
Toys Deals

Kmart.com Coupons
g: 0 Posted By: ctgolfer
Views: 52 Replies: 0 http://1sale.com/electronics/portable-electronics/emergency-batt...
Electronics Deals

1Sale.com Coupons
collectionsetc.com/ clearance
Added on : Sunday December 29th 2013 05:00:02 AM
g: 0 Posted By: DaysFan
Views: 1 Replies: 0 http://www.collectionsetc.com/

free shipping on purchases over $50.00
code 3QAFF1C
http://www.collectionsetc.com/Product/car-emergency-multi-utility-hand-tool.aspx/_/N-6qf30

Car Emergency Multi-Utility Hand Tool In Our Catalog: Emergency Hand Tool
Availability: In Stock Item #20369 -
See more at: http://www.collectionsetc.com/Product/car-emergency-multi-utilit...
$14.99 $7.97 Save 47% Now!

No Battery Shaking Flashlight$9.99 Sale $4.97

Pink Princess Castle Tent with Carrying Case$27.99 Sale $13.97
http://www.collectionsetc.com/Products/Clearance/Gifts/category.aspx/_/N-6qf30

Pink Princess Castle Tent with Carrying Case
$27.99 Sale $13.97

Calico Patchwork Christmas Quilt Blanket
$29.99 Sale $16.97

Seasonal Country Angel Garden Flags
$11.99 - $14.99 Sale $7.97 - $9.97
Advice on Financial Layout
Added on : Saturday December 28th 2013 12:00:07 PM
g: 1 Posted By: PF2014
Views: 172 Replies: 9 Details

Wife and I are both 31 years old
Total net income: $67,600/ year; $5,633/month

Work Retirement Accounts
We both contribute 25% to our respective retirements at work
Me: 401k (3% match)
Wife: 403(b) teacher
Current Amount $5K [I started new job and recently got wife to sign up for 403b]

Personal IRA Account
Mine (Rollover & Roth IRA): $122K, Vanguard Target Retirement 2045
Wife's (Roth): $5500, Vanguard Target Retirement 2045 [Just got wife to sign up for Roth]

Bank Accounts
Checking: $24K
CDs: $20K [Waiting to mature to divert funds to High Yield Savings]
High Yield Savings (0.85% APY): $100K
Regular Savings (Emergency): $23K

Expenses
Mortgage + HOA: $900/month
Cell phone: $130/month
Internet: $35/month
Utilities: $40/month
Car Insurance: $150/month

Recently signed up for mint.com to track spending
Groceries: $350 /month
Restaurants: $575 /month
Wary about the cost to feed us...I think this is something to work on for 2014

Other info
Own both cars, 2005 & 2009 models
Hoping for healthy baby in 2015 & thinking about 529 plan
High amount of liquid cash because wife didn't invest in her 20's. After we met, I advised investing (opening 403b, Roth IRA)


Requesting your counsel for plan of action for 2014 to maximize our money saving and having our money work harder for us. Will provide more info if needed. Thank you!
Personal Finance Deals
Yet another Mortgage vs. HELOC question
Added on : Monday December 23rd 2013 11:00:07 AM
g: 0 Posted By: panmet69
Views: 529 Replies: 14 So I'm thinking about purchasing a house within the next ~1-3 months. I have enough for the 20% down no problem. I've been doing a lot of reading on the Mortgage vs. HELOC question and it seems very time sensitive (what advice everyone gave 12 months ago might not apply today...hence I'm asking the question) My income is 93,000/year. I am currently renting an apt for $1700 a month (with the girlfriend, each pay $850). Single (no head of household, no kids , no divorced wife, crazy uncle, etc. etc.) Girlfriend will be living in the house with me , she will pay rent (House in my name, no gf money included / needed for this).

My max purchase price is probably 300,000. I have access to a personal loan where I could pay "cash" and then obtain some type of loan on the house to pay the personal loan back. For arguments sake, lets say I can put %25 (75k) down. I have comfortable emergency funds, etc. etc. Do I...

1. Ignore the personal loan, take out a regular mortgage (with 20% down)
2. Pay cash , obtain a HELOC , pay person back.
3. Pay cash, obtain line of credit
4. Pay cash, obtain regular mortgage

I like the idea of #2, (take out 225,000 heloc) with the penfed 5/5 ...0 closing costs. If rates start skyrocketing I think I can just get a regular mortgage...right?

I'm worried I'm missing something (like need 12 months of payment for HELOC, can't convert HELOC / LOE to mortgage if needed. Crazy fee's somewhere.. or not being able to deduct HELOC interest on the taxes)

No pics of GF...unless you provide incredibly insightful advice that saves me thousands of dollars...
Real Estate Deals
Yet another Mortgage vs. HELOC / LOE question
Added on : Sunday December 22nd 2013 05:00:04 PM
g: 0 Posted By: panmet69
Views: 2 Replies: 0 So I'm thinking about purchasing a house within the next ~1-3 months. I have enough for the 20% down no problem. I've been doing a lot of reading on the Mortgage vs. HELOC question and it seems very time sensitive (what advice everyone gave 12 months ago might not apply today...hence I'm asking the question) My income is 93,000/year. I am currently renting an apt for $1700 a month (with the girlfriend, each pay $850). Single (no head of household, no kids , no divorced wife, crazy uncle, etc. etc.) Girlfriend will be living in the house with me , she will pay rent (House in my name, no gf money included / needed for this).

My max purchase price is probably 300,000. I have access to a personal loan where I could pay "cash" and then obtain some type of loan on the house to pay the personal loan back. For arguments sake, lets say I can put %25 (75k) down. I have comfortable emergency funds, etc. etc. Do I...

1. Ignore the personal loan, take out a regular mortgage (with 20% down)
2. Pay cash , obtain a HELOC , pay person back.
3. Pay cash, obtain line of credit
4. Pay cash, obtain regular mortgage

I like the idea of #2, (take out 225,000 heloc) with the penfed 5/5 ...0 closing costs. If rates start skyrocketing I think I can just get a regular mortgage...right?

I'm worried I'm missing something (like need 12 months of payment for HELOC, can't convert HELOC / LOE to mortgage if needed. Crazy fee's somewhere.. or not being able to deduct HELOC interest on the taxes)

No pics of GF...unless you provide incredibly insightful advice that saves me thousands of dollars...
Real Estate Deals
Retirement crisis based upon financial paralysis
Added on : Sunday December 22nd 2013 09:00:06 AM
g: 0 Posted By: iseetrails
Views: 66 Replies: 0 Issue: I believe that I have become afraid of the market and cant make rational choices regarding my retirement anymore.

Short background: age: 44, self-employed, California, 90,000 gross income with approx. 50,000 take home after all taxes and business expenses. In 1998, I started taking active management in my 401k accounts and promptly lost half of my balance at the time in the tech crunch. In 2007, I broadened my investment approach to commodities and lost quite a bit more. Since then, I have drifted more and more toward cash or cash equivalents as I become more risk adverse.

Goal: to contribute approx. 15% of salary a year to retire accounts with annual returns of approx. 8 to 10%. Current balance is approx. $200,000.

Problems: assets are spread across four retirement accounts and difficult to track. Allocation is currently $100,000 in stocks and $100,000 in cash or cash equivalents. Need to get money from earning nothing in cash items without entering market all at one time. Need to regain confidence in self as investor.

Question: has anyone had similar situation where they got past investing fears on their own; or should I find someone else to manage my money? I dont want to pay a 1 or 2% fee but it is currently more attractive than my inaction in investing. I am also stuck with how quickly you can reinvest 50% of the value of the portfolio back into stocks without buying at wrong time. Is 5 or 10% per month a safe rate to re-enter?

If the cash is just sitting in retirement accounts; is there any reason to contribute any more to retirement accounts at this point or just pay down mortgage until all 401k money is invested? The idea of having my mortgage paid off before retirement has a strong emotional attraction that I am not sure is the best use of the money. I have no other debt and enough emergency cash.
Personal Finance Deals
Can low incomers benefit from Obamacare?
Added on : Saturday December 21st 2013 07:00:09 PM
g: 0 Posted By: ussrfw
Views: 26 Replies: 0 I live in New Jersey, lost my job earlier this year. My six month state UI benefit runs out.
It is pretty hard for my major to find a job, and I am too young to collect pension and SS payment.
The 2014 federal Emergency Unemployment Compensation has not passed by the congress. It may end by the end of 2013.
I have some saving money in the bank accounts. The interest of saving is my only certain income next year, although it is very low.
I searched Obamacareonline. It seems if your income is less than $15857, you are recommend to apply for state Medicaid.
New Jersey Medicaid program required at least 5 years Green Card history, which I have only 2 years.

It seems I have to pay several thousand Obamacare premium in full or waiting for the penalty.
Can low incomers like me benefit from Obamacare? If yes, how?

Thank you very much!
Personal Finance Deals
72-watt Mini Solar Farm $329.99 + SHIPPING Bargainoutfitters.com
Added on : Saturday December 21st 2013 08:00:04 AM
g: -2 Posted By: DaysFan
Views: 217 Replies: 1 http://www.bargainoutfitters.com/net/cb/72-watt-mini-solar-farm.aspx?a=554750

linked

72-watt Mini Solar Farm... supplement your energy usage! Easy to use... easy to install!


BFAL3-219884 - 72-watt Mini Solar FarmCompare at $380.00$329.99Save $50.01Solar energy. Many experts call it the next big story in power generation. Are YOU ready to get ahead of the curve? This 72-watt Solar Farm is the perfect way to start harvesting free, "green" sun energy! Easy-to-install solar array supplements your power at the cabin, the campsite, your RV or as an emergency supply at home! A wonderful alternative to gas generators that burn Fossil fuels and create pollution.Go "green":

4 amorphous solar panels with tilting stands. Each 18W panel is 36 x 12 1/2 x 1 1/2" h.
Get up and running fast with just basic household tools
Durable, heavy-duty aluminum frames shrug off weather
Plug-and-play connectors, easy even for beginners
Built-in blocking diode prevents energy-flow inversion, ensures safety
Also includes 8-amp solar charge controller, 400-watt inverter, 4-in-1 connector, male and female 12V power port sockets / jacks, wire connector and battery clamps.
Set weighs 38 lbs.

Order ONLINE now, and start reducing your energy bills!72-watt Mini Solar Farm
Electronics Deals

Bargain Outfitters Coupons
g: 0 Posted By: ctgolfer
Views: 91 Replies: 0 www.kmart.com/shc/s/p_10151_10104_010V004325645000P
Tools & Automotive Deals

Kmart.com Coupons
Skype Collaboration Project FREE for 12 Months
Added on : Friday December 20th 2013 07:00:04 PM
g: 0 Posted By: flowindex
Views: 202 Replies: 1 https://collaboration.skype.com/promotion/

Free group video calls Free group screen sharing No advertising Live chat customer support
*Offer comprises a twelve (12) month group video calling subscription. Offer must be redeemed on or before 30th April 2014 and commences on the redemption date. Skype account required and subscription may only be redeemed in respect of one Skype account. Skype's Terms of Use apply. To redeem, click here. Group video calling can be between three (3) or more (up to a maximum of ten (10) people). For the best quality, we recommend group video calling between up to five (5) people. You can read full user requirements here. A fair usage policy applies. Terms can change without notice at any time. No cash redemption, except where required by law. Offer subject to availability. Skype reserves the right to withdraw this offer at any time. No emergency calls can be made using Skype. Skype is not a telephone replacement service.
Networking Deals

Skype Coupons
g: 0 Posted By: jehjeh
Views: 135 Replies: 0 https://www.armsunlimited.com/SureFire-30th-Anniversary-Collecto...

E1B Backup Flashlight
This ultra compact dual-output flashlight was designed as a backup light for patrol officers or a primary light for plain-clothes officers, but it's also ideal for outdoor, personal defense, and everyday use. The Backup's tailcap switch activates the flashlight at either output level. Press or click for a 110-lumen high beam-more than enough light to temporarily disorient an aggressor. Release or click off, then press or click on again within two seconds for a 5-lumen long-runtime low beam that's ideal for reading a map or navigating a trail without degrading your night-adapted vision. The smooth, hard-anodized aluminum body takes it is easy on clothing and the two-way clip lets you carry the light head-up or head-down.

The SureFire Pen
Machined from high-strength aluminum and given an attractive Mil-Spec hard anodized finish, this eye-catching and spike-tough writing instrument writes effortlessly, but can provide a tactical advantage in case of emergency. It features a tumble-polished stainless steel tip, pocket clip, and a window-breaker tailcap-just in case. Made in the U.S., it comes with an imported Schmidt easyFLOW ink cartridge but is fully adjustable to accept most ink cartridges between 3.875" and 4.25" long.
Free year of videoconferencing at Skype
Added on : Tuesday December 17th 2013 04:00:13 AM
g: 0 Posted By: remick
Views: 53 Replies: 0 https://collaboration.skype.com/promotion/

*Offer comprises a twelve (12) month group video calling subscription. Offer must be redeemed on or before 30th April 2014 and commences on the redemption date. Skype account required and subscription may only be redeemed in respect of one Skype account. Skype's Terms of Use apply. To redeem, click here. Group video calling can be between three (3) or more (up to a maximum of ten (10) people). For the best quality, we recommend group video calling between up to five (5) people. You can read full user requirements here. A fair usage policy applies. Terms can change without notice at any time. No cash redemption, except where required by law. Offer subject to availability. Skype reserves the right to withdraw this offer at any time. No emergency calls can be made using Skype. Skype is not a telephone replacement service.
Totally Free Deals
Craftsman 57-Piece Drill/Drive Set at Sears $12.49
Added on : Sunday December 15th 2013 02:00:03 PM
g: 0 Posted By: ArtieLange
Views: 158 Replies: 0 When you're in need of a full, reasonably priced screwdriver bit set, look no further than the Craftsman 57-pc drill/drive set. Whether you're looking for a set that you can stash in the basement or garage for emergency home repairs and personal endeavors or you need a set for your full-time home builder job, this set has everything that you need. With a durable locking case, you get peace of mind knowing that your bits are organized and safe. You can take them everywhere you need to go from out in the yard to a construction site thirty miles away.

The 57-pc drill/drive set includes all of the most common screwdriver and drill bits as well as nut drivers to cover all standard screwdrivers. The Black Oxide drill bits with a 135 degree split point can drive into wood, metal and plastic without "walking." The compact drive guide offers fast, convenient changes with one-inch insert bits.

Get the drill and screwdriver bits and nut drivers that you need for every job with the Craftsman 57-pc drill/drive set...

$12.49 with free store pickup.

http://www.sears.com/craftsman-57-pc-drill-drive-set/p-00935074000P?prdNo=1&blockNo=1&blockType=G1
Tools Deals

Sears Coupons
Emergency essentials first aid kit for home car $3.99 FS Tanga
Added on : Tuesday December 10th 2013 05:00:07 AM
g: 0 Posted By: MasterDebator
Views: 235 Replies: 0 Linky

Includes:

3 Non-adherent Pad
8 Bandages
1 Bandage/gauze Roll
1 Surgical Tape
3 Alcohol Prep Pad
1pk Cotton Swab

Home & Garden Deals

Tanga Coupons
Emergency essentials first aid kit for home & car $3.99 FS Tanga
Added on : Tuesday December 10th 2013 04:00:03 AM
g: 0 Posted By: MasterDebator
Views: 24 Replies: 0 https://www.tanga.com/deals/208df2d1e1dd/emergency-essentials-first-aid-kit-for-home-and-car?Includes:

3 Non-adherent Pad
8 Bandages
1 Bandage/gauze Roll
1 Surgical Tape
3 Alcohol Prep Pad
1pk Cotton Swab
33 LED Emergency Light with Magnetic Base & Glow Switch $11.90 w/FS @ Tanga
Added on : Thursday December 05th 2013 05:00:07 AM
g: 0 Posted By: ctgolfer
Views: 143 Replies: 0 www.tanga.com/deals/1535fb2b2dac/33-led-emergency-light-magnetic...
Electronics Deals

Tanga Coupons
g: 0 Posted By: ctgolfer
Views: 109 Replies: 0 www.sears.com/shc/s/p_10153_12605_02823021000P
Tools & Automotive Deals

Sears Coupons
g: 1 Posted By: PloKoon
Views: 118 Replies: 0 http://www.sears.com/shc/s/p_10153_12605_02871988000P

Portable Emergency Power Wherever You Need It

A dependablePower SourceandAir Compressor, theDieHard Platinumprovides you peace of mind whether you are at home or on the road. This portable power's 1150 peak amps jump starts 12V vehicles and powers 12V DC, 110V AC, and USB powered accessories. The 150 PSI air inflator adds even more use to your portable power. The two-function digital display provides clear, accurate power readings of battery levels.The DieHard Platinum with400W power invertergives you dependablePortable Emergency Powerwhen you need most. With the use of the speedy600mA wall charger, the internal circuitry recharges the internal non-spillable 22Ah DieHard AGM battery then switches to float-mode monitoring so full power is available quickly. The ON/OFF jump start switch allows for the reliable jump starting by putting power to the clamps. An integrated 2-bulb light lets you see what you are working on. This power source is equipped with holsters and cord wraps to store the jumper cables and clamps, as well as a convenient carrying handle.Features:

ThisPower SourceandAir Compressorfeatures 1150 Peak Amps for instant jump starting
Built-in 400-watt power inverter for operating 110VAC household electrical devices off the grid
Air Compressor with 150 PSI air gauge accurately handles most inflation needs
Non-spillable 22Ah DieHard AGM (Absorbed Glass Mat) battery allows for operation in any position and is replaceable
High-flow air inflator/deflator with inflation tube and tip accessories for inflating and deflating air mattresses, pool rafts and beach balls
Digital display displays battery voltage levels, wattage usage and other helpful information
USB port to charge an play your portable devices
600mA wall charger with internal Multi-Stage Charger and Float-Mode Monitoring for fast recharging and maintaining the internal battery.
Dual 12V DC Power Outlets for powering DC accessories, or for in-vehicle charging of the internal battery
Twin 110V AC Power Outlets for powering AC accessories
Reverse Hookup Alarm notifies user of improper connection
Vented Case With Cooling Fan protects from heat
1 Year Full Replacement Warranty

Tools & Automotive Deals

Sears Coupons
MAGNUM 0.58 cu. ft. Wall Safe
Added on : Sunday December 01st 2013 07:00:07 AM
g: 0 Posted By: mnmailman1111
Views: 14 Replies: 0 Home Depot Deal of Day Safe59.99
PRODUCT OVERVIEWThis Magnum wall-mount safe is perfect for storing jewelry, personal firearms, cash and important documents; it can be used in the office, workshop, bedroom or closet. With 0.585 cu. ft. of storage space and can be hidden under a picture. The safe operates with two sets of codes, Master and user and can open by using a 3 to 8 digit code, also equipped with an emergency key. Keypad will hold 5 minutes after 6 try with wrong code.

Ideal for securing small valuables
Durable, 19-gauge body
16-gauge frame to resist tampering
11-gauge door thickness
Two sets of codes so that multiple people can access without knowing the master code
MFG Model # : 52539
MFG Part # : 52539
please evaluate financial situation and advise?
Added on : Sunday December 01st 2013 03:00:17 AM
g: 0 Posted By: snsmith877
Views: 28 Replies: 0 Hi. I just joined this and want to ask you smart people for financial advice.
I'm 26, work in healthcare, 2 jobs, make about 50k. Have 9k in retirement savings, 1500 in emergency savings, I know that's not great but I paid off all my student loans a couple months ago. Since then I've been putting 17% in 401k. Emergency savings also was more but I had surgery last week and had complications, e.r. visit, hospitalization.. have no debt except for 3k in no interest medical debt from before I had insurance. I own my car.
I live with my boyfriend, the only bill I pay is water. I buy groceries a lot and gas in the car for work and whatever else. Boyfriend is kinda eccentric, saves money in a safe in his house. He makes way more than I do, has no health insurance, no debt, rents apartment, owns his own business and can never figure out how much taxes he has to pay. I've tried to b.s. him into marrying me so I can put him on my insurance but even I can't figure out if being married would save money or cost more in taxes etc. I did finally manage to convince him to get a credit card to start building a credit history.
Mainly I'm wondering if there's some kind of personal finance website for self employed people that you guys could recommend, and also what kind of retirement account he can get so he can get more return on investment than sitting in the safe. Right now the best plan I can come up with is to build my emergency fund back up and then just start saving twice as much money in my retirement account to make up for his lack of one.
I want to try to encourage him to manage his finances better but I don't feel like I have the knowledge to even give him good advice.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 96 Replies: 0 http://tools.woot.com/offers/gama-sonic-rechargeable-led-lantern...
Tools Deals

woot! Coupons
Starting a retirement account - TSP or IRA?
Added on : Sunday November 24th 2013 10:00:07 AM
g: 0 Posted By: FYGMO
Views: 42 Replies: 0 I'll try to keep this concise, thanks in advance for the advice. I've been lurking here for quite some time but haven't posted yet.

Debt free (paid off 60K in student/personal loans over the past three years), 25 years old, married with one child, income is 5K after taxes, monthly expenses about $3K. 25K cash on hand not earning interest - just pulled out of other interest bearing accounts etc/it's newly accumulated. Access to TSP(no matching) and USAA member FWIW.

Originally was going to put the max for me/wife in a vanguard roth IRA market fund (22K contribution incl next year), maintain 5-8K 'emergency fund', and open a mutual fund for the rest of the savings accumulated(to meet mid term goals). After reading about the TSP I realize that I can mirror the market with some of their holdings and put up to 17.5K/yr using the roth TSP option. Pros to the TSP are much lower fees, but I want to be able to access the contributions without penalty should I need to supplement a house down payment some day, start a business, etc. Can I convert the TSP to a roth IRA while still employed and withdraw contributions that way? Is there a break even point after which time penalties would be covered by the lower fees for a reasonable withdrawal? The government resources are kind of cryptic but it looks like there is a 10% early withdrawal fee for the earnings when using the roth option and the contributions are withdrawn proportionately with the earnings rather than contributions being withdrawn prior to earnings(edit).

What do you suggest that I do? Long term plan is approximately ROTH IRA max annual retirement contributions(11K) and roughly equal savings investment (to cover major purchases, house down payment in a decade, etc). I expect my expenses to roughly increase with my income over the next several years.
Tax Deals
Mountain House Essential Assortment Bucket $56.99 + $5.99 S/H
Added on : Wednesday November 20th 2013 08:00:07 AM
g: -1 Posted By: tedhawkins
Views: 200 Replies: 1 Mountain House Essential Assortment Bucket $56.99 + $5.99 S/H

http://www.gearhog.com/

Deal Overview
Essential Assortment Bucket Contains:

4 Pouches - Rice & Chicken (53105 - 3 servings per pouch)
4 Pouches - Chili Mac with Beef (53128 - 2.5 servings per pouch)
4 Pouches - Spaghetti with Meat Sauce (53108 - 2.5 servings per pouch)
Bucket Dimensions = 12″ x 10″ x 13″


Mountain House, the #1 brand of freeze dried backpacking foods has been the choice of backpackers, hikers, campers, and other outdoor enthusiasts for over 30 years. When it comes to long term food storage, emergency preparedness and recreational activities like camping, hiking, backpacking and hunting, Mountain House is the #1 choice. That's because Mountain House has been recognized as the best tasting freeze dried meals. Mountain House, is convenient, easy to prepare and has a long shelf life.
Grocery Deals
Weather Emergency Radio $34.99 at Amazon.com
Added on : Tuesday November 12th 2013 09:00:08 AM
g: 0 Posted By: TonyDls
Views: 211 Replies: 0 Saw this on Amazon.com and considering for purchase since this claims to be a smart phone charger. Free shipping with Prime or on orders $35 or more.

The ADVENTURER is a Digital AM/FM NOAA Weather Alert Radio and a powerful 3 LED flashlight, with smart phone charger, all in one portable package.
Five way charger - charge from a USB device (computer), DC, AC or wall power (optional), hand crank, or solar panel (solar panel is a battery life extender and will not fully charge the battery).
Sets itself apart from other crank chargers - you can fully charge the WR-111B through the USB/AC/DC adaptor with no cranking.
High quality digital tuner provides assured access to news, weather information and illumination whenever and wherever you need it.
This dependable radio, with integrated LED flashlight, offers a choice of self-charge, solar and external recharge power options

http://www.amazon.com/Ambient-Weather-Emergency-Flashlight-Certified/dp/B0071BTJPI/ref=pd_sim_sbs_e_3
Electronics Deals

Amazon Coupons
g: 0 Posted By: jehjeh
Views: 0 Replies: 0 The patent pending Combat Optic Tool by Patriot Products AZ, proudly made in the USA, is revolutionary in its adjustment adaptability with the majority of the combat optics currently in use by military, law enforcement, and citizen soldiers/civilians.

The Combat Optic Tool has a box wrench that will work with both 3/8 LaRue Tactical mounts and 10mm Aimpoint mounts. Additionally, it can be used with EOTech and Trijicon ACOG mounts, as well as after market mounts like ADM and GDI. It has the ability to adjust windage and elevation on all Aimpoint sights, as well EOTech and Trijicon ACOGs & RMRs.

Can also be used as an emergency life saving bottle opener for your favorite beverage when you are dying of thirst!

https://www.armsunlimited.com/Patriot-Products-Combat-Optic-Adju...
RoadHandler All Season Emergency Kit $14.99 @ Kmart
Added on : Saturday November 09th 2013 09:00:06 PM
g: 0 Posted By: ctgolfer
Views: 161 Replies: 0 www.kmart.com/shc/s/p_10151_10104_082W001447374001P
Tools Deals

Kmart.com Coupons
Northwest Territory 4-in-1 Emergency Crank Light $8.99 in-store @ Kmart
Added on : Saturday November 09th 2013 09:00:04 PM
g: 0 Posted By: ctgolfer
Views: 134 Replies: 0 www.kmart.com/shc/s/p_10151_10104_089W005661154001P
Tools Deals

Kmart.com Coupons
g: 0 Posted By: ysnreddy
Views: 129 Replies: 0 I think given the length and price this is a good deal for $2.33 for 10 feet cable. May be we can keep a spare in emergency.

Pack of 3 8-pin Lightning to USB Cable, Compatible with iPhone 5S and 5C, (Without Error Message) (10 Feet) $7.99 Amazon.com

amazon link

Good luck

Electronics Deals

Amazon Coupons
g: 0 Posted By: VivYip
Views: 237 Replies: 0 credit bradsdeals

Home Depot has this item for $11.99 with in-store pick-up

Think Tank Compact Roadside Emergency Kit with Jumper Cables and 29 Other Esential Items
Includes 8 ft. jumper cables
Also includes a tire pressure gauge, a pair of gloves, 12 assorted fuses, insulated tape, 2 screwdrivers, a socket wrench with 10 sockets and a pair of slip joint pliers
The sturdy case easily fits under the seat or in a large glove box
Makes a great gift for graduates, first-time car owners or anyone you care about
MFG Model # : KC10011
MFG Part # : KC10011
It includes a set of 8 ft. jumper cables, a tire pressure gauge, a pair of gloves, 12 assorted fuses, insulated tape, 2 screwdrivers, a socket wrench with 10 sockets a pair of slip joint pliers and the entire kit can fit in a glove box or under a seat.

Hope this might help someone. Thank you for reading
Tools & Automotive Deals

Home Depot Coupons
Savings Question
Added on : Wednesday November 06th 2013 05:00:19 AM
g: 1 Posted By: historystudy
Views: 170 Replies: 2 I'm currently 25 and am anticipating that I'll at least be looking at going for an MBA in the next 2-3 years. My debate really boils down to whether I should deposit more into my 401k or keep it outside of that account knowing that I'll need it for school.

Financials:
Salary: Made roughly $60k/year for the last 2 years, now making $70k
401k: ~$13k
Emergency fund: ~$20k
Brokerage account: ~$20k
Condo equity: ~$15k after 6% selling fees assuming no taxes

The school I'm interested in will run about $90k/year all-in (tuition, housing,medical expenses, travel home, etc.) and so a total of $180k. If I work another 2 years, then I will wind up with maybe $100k in my non-401k accounts plus the ~20-25k equity in my condo and ~$30k in my 401k.

Based on this scenario, I would leave my 401k alone, and use the ~$125k I have saved up for education. After the first year, I would likely get student loans for $60-70k.

Should I do that, or should I be funneling more into my 401k to get the tax benefits now? I can stash away the full deduction allowed each year, which helps with my taxes now. I could then loan myself the money needed for school at that point, but the only challenge is that loans like this require payments every other week and I won't be in an earning position until after I find a job after graduating.

So based on where I am now, any thoughts on whether I should continue saving money in my after-tax accounts or move to pre-tax accounts?
Personal Finance Deals
g: -1 Posted By: tedhawkins
Views: 162 Replies: 1 Guns - Steel Defender SD Max Plate Carrier (Black), 1 - 10" X 12" LineX plate, 1 free t-shirt and 1 hanger $240 Shipped

http://www.gearhog.com/?did=66987

Deal Overview
SD MAX ARMOR PLATE CARRIER features an adjustable/detachable "cummerbund" providing extra PALS to hold additional armored side-panel plates or to use as equipment pockets. It can also be jettisoned to make our vest lighter and more mobile. A lightly padded interior mesh vest assures maximum cooling comfort. Our vest is fully adjustable to fit sizes medium through double extra-large. A fully padded shoulder support system, heavy-duty webbing with fast adjustment straps and back-up release buckles add up to a virtually indestructible design that allows us to offer a full lifetime guarantee on our vest and armor!!

- XXL sizing accommodates those looking for a larger fitting vest
- Adjustable shoulder strap with detachable shoulder pads
- Heavy weight webbing over the entire vest for modular attachments
- Internal sleeves for both soft armor and plate front and back
- Adjustable/detachable cummerbund with pockets for side armor, will fit
- Steel Defender " thick 500 Brinell (NIJ Level lll) 6" x 8" armored plates
- Plate pocket measures 13-1/4"H x 10-1/4"W x 1"D
- Emergency drag handle
- Lightly padded mesh interior for comfort and airflow
- Adjustable in girth and height
- Hook & Loop area in front and back
- Available in front only, front and back only, or all plate configuration
- NTOA approved

STEEL DEFENDER BALLISTIC BODY ARMOR PLATES are manufactured specifically for us from 1/4" thick 500 Brinell hardness armor plate steel which exhibits high-hardness and are certified N.I.J. Threat Level lll. 500 Brinell hardness armor plate steel is used to stop high velocity projectiles, i.e., bullets. This armor steel plate is particularly useful in protecting against blunt trauma, knives and firearms. The N.I.J threat level is determined by 3 factors - the size of the round that the product is meant to defend, the speed at which that round is traveling, and the distance the round will travel before reaching the target.

STEEL DEFENDER Body Armor "BA" Hangers are made from high tensile 5051 grade aluminum. Steel Defender designed and produces each hanger for maximum durablity and ultra longevity to accommodate the toughest in transportation needs of your gear. The flip down handle allows quick grab and go manuverability and makes stowing your rig amazingly easy. Don't mess around with cheaper plastic, buy once and know you've made a purchase that will last as long as your you and your plates will.

See the Austin Police Department's testing on our plates with and without Line-X coating here


Guns & Ammo Deals
g: 0 Posted By: Reots
Views: 183 Replies: 2 http://www.rakuten.com/prod/duracell-aaa-6-pack-pre-charged-rechargeable-stay-charged-800mah-aaa/250462339.html

Black tops but still a nice price. These keep their charge over several months so nice for emergency flashlights, etc.
Electronics Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
Stopping unwanted guests from visiting property?
Added on : Friday November 01st 2013 08:00:11 AM
g: 1 Posted By: MrSamsung
Views: 282 Replies: 13 I've been having an issue with a specific organization on one of my properties. I have some great renters I want to keep, but I might lose them because of this (I posted the name of the organization earlier but it's against FW rules so I am keeping this generic). The family in the home is a family of four, young parents and two small kids. They have a lot of friends and family visit on weekends because of the little ones, but every other Saturday morning these folks knock on their door. The problem is that they usually are bathing their children or changing their diapers, and they think there are visitors at the door so they drop everything to answer the door only to see unwanted guests. They've told them they weren't interested, asked to be on a do-not-call list, but their requests have gone nowhere. They've even spoken to someone high up in the organization that is supposed to be able to stop these things, but the people knocking on their doors continue to rotate (i.e., they are different every week) and don't care.

They've asked me (as the landlord) to figure out how to stop them from coming by. I actually installed a sign specifically targeting this organization to stop coming, but they still showed up pretending like they didn't see it and walk away. I guess I could make the sign larger but it wouldn't look very good in the neighborhood. I called the city's non-emergency line but they basically told me there was nothing else I could do. I dropped off a letter to the local organization asking them to stop visiting the home, but they are still ignoring it.

My tenants have started to look at other places to rent (they refused to sign another lease with me because of this specific issue). They are paying ~15% over market rate, and even setup ACH pushes to my account for rent payment. They take great care of my property (mow/water the lawn, clean everything etc..) and I would hate to lose them. Does anyone have any ideas?
Discussion Deals
Help - Choice between PPO and HDHP/HSA
Added on : Friday November 01st 2013 07:00:07 AM
g: 0 Posted By: RaccoonCitySurvivor
Views: 79 Replies: 9 Help. I need to pick which plan make the most financial sense for my family of 4. Both me and my husband are healthy 30 years old and my twins are 3. I listed the comparison below. Some I left out since it doesn't apply to us.
PPO HDHP+ $1000 HSA Coverage $750 Deductible option $1500 Deductible option + $1000 Annual Premium $4800 $960 Annual Deductible (Family) $2250 $3000 Total out-of-pocket expenses $12,050 $5960 (included the $1000 HSA)
The Breakdown
Deductible (employee/family) $750/$2250 $1500/$3000 Out of pocket max (employee/family) $2500/$5000 $3000/$6000 (includes deductible Physician visit $25 90% after deductible Specialist visit $35 90% after deductible Routine visit 100% coverage based on UHC preventive guidelines 100% coverage based on UHC preventive guidelines ER visit emergency (co-pay waived if admitted) $75 co-pay then 90% after deductible 90% after deductible ER visit non-emergency $150 copay then 90% after deductible 90% after deductible

Outpatient hospital 90% after deductible 90% after deductible Outpatient diagnostic testing 90% after deductible 90% after deductible Outpatient rehabilitation (physical,
occupational, speech therapy) visits
(visit limits may apply) $35 copay for office visit, 90% after deductible for
other charges 90% after deductible
Prescription copays (up to 30 days
at retail pharmacy with 2 refill limit
for deductible options) generic/formulary/brand $10/$30/$60 After deductible except deductible does not apply for
Preventive Drugs (as determined by ExpressScripts
in accordance with IRS guidelines) $10/$30/$60 Prescription copays (up to 90
days at mail order) generic/formulary/brand $20/$60/$120 After deductible except deductible does not apply for
Preventive Drugs (as determined by ExpressScripts
in accordance with IRS guidelines) $10/$30/$60

Personal Finance Deals
Next Financial Step
Added on : Thursday October 31st 2013 04:00:12 AM
g: 0 Posted By: beanie4me
Views: 9 Replies: 0 I am curious what next financial step you all would take in my situation.

Situation:

No debt except Mortgage (about $178.6K at 3.75%, 79% LTV on primary residence purchased in 4/2013)
Emergency Fund that covers 9 months of living expenses at current levels
Saving about 10% for retirement to get company match and fully fund Roth IRAs. No other matching funds exist.
Combined gross income: $126K

My Ideas:

Start 529 college fund. Pros: Tax avoidance if used to pay for college. Cons: No kids yet. Future kids may get full-ride scholarships like wife & I
Save more in non-Rothretirement accounts.Pros: Tax deferral. (Really a pro?) Cons: Withdrawal restrictions & illiquidity
Invest.Pros: Flexible withdrawalCons: No tax benefits
Pay off mortgage early.Pros: Peace of mind. Guaranteed savings on interest. Cons: 3.75% for 29 more years is cheap money. (Note: Our tax deductions are too low to itemize, so we do not see tax benefits for our mortgage.)

Wife says investment properties are off the table.
Wife says H&B and divorce are off the table.

Thanks for the input.
g: 0 Posted By: VivYip
Views: 92 Replies: 0 credit techbargains

Kmart has this item for $11.99 with in-store pickup

Northwest Territory Multi-Function 12 LED Lantern & AM/FM Radio
Product Description

Includes:
12 LED Family Lantern
Am/FM Radio
MP3 Port with Built in Speaker
3 LED Flashlight built in
3 LED RED Emergency Hazard Light
Compass
Emergency
Night Light
Carry Handle
Batteries not included
This 12 LED family lantern features Am/FM Radio, MP3 Port with built in speaker, 3 LED flashlight built in, 3 LED Red emergency hazard light and a compass.

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

Kmart.com Coupons
g: 0 Posted By: VivYip
Views: 14 Replies: 0 Staples has this item for $34.99 with free shippin

Self-Powered Safety Hub with AM/FM/NOAA Weather Alert and USB Cell Charger
Item: 337683 Model: ARCPT300W
VALID ONLINE ONLY, WHILE SUPPLIES LAST. Offer valid Wednesday 10/30/13 ONLY.
The multi-powered, multi-function, phone-charging, weather alert/AM/FM radio with built-in LED flashlight
Get prepared for an emergency, power outage, or natural disaster
Ability to power from 3 sources: Self-powered aluminum crank with Hand Turbine technology, 3 AAA batteries (not included), Mini USB input
Features digital radio tuner with AM (520-1710 KHz) & FM (87-108MHz)
NOAA weatherband all 7 channels plus Alert
Direct USB power transfer (USB cable included)
Built-in white LED flashlight
Flashing red beacon LED light
Digital clock with alarm
Connectors with rubber gaskets/plus to seal out moisture, 3.5mm headphone output, DC-In, USB phone charger and AUX input
Telescopic antenna provided for maximum range and reception
Rechargeable NiMH battery
Includes: USB cable, owners manual, warranty card
Dimensions: 6.375 W x 6.625 H x 2.125 D
Weight: 1 lbs. 8.3 oz


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

Staples Coupons
g: 2 Posted By: VegasVegan
Views: 326 Replies: 1 2013 Veterans Day Free Meals and Discount
Two notes before jumping in: Proof of Military Service.First, most companies require some form of military ID including a U.S. Uniform Services ID Card (active/reserve/retired), Current Leave and Earnings Statement (LES), Photograph in uniform, be wearing uniform (if your service permits), Veterans Organization Card (e.g., American Legion and VFW),http://themilitarywallet.com/dd-form-214-verification-of-military-service/, discharge paperwork, or other form of identification. Other restaurants and companies may only require a photo of you in uniform, or go by the honor system.Participation.Second, always call ahead to verify locations, times, and participation.

Applebees free meal, Nov. 11:Last year, Applebees served over one million free meals to military veterans and active servicemembers. Applebees is again offering a free meal to military veterans and active-duty service members onhttp://themilitarywallet.com/veterans-day-free-meals-and-discounts/, Nov. 11, 2013. There will behttp://www.applebees.com/veterans-day-menu, beverage and gratuity not included. Military ID or proof of service required.

Bar Louie, Free meal on Veterans Day (2013).Active duty military members and veterans can receive a free meal, up to $10 in value, and a free non-alcoholic beverage. Available at all locations, military ID or proof of service is required. Seehttp://www.facebook.com/messages/735418512#%21/photo.php?fbid=287731181250066&set=pu.128104120546107&type=1&theater.

BJs Restaurant and Brewhouse, Nov. 11th(2013).Complimentary lunch entree or a one topping mini pizza for dinner. Offer valid to all active duty military and veterans, with proof of service.http://www.facebook.com/WelcomeExpress/posts/225776100823268.

Champps Americana(2013).Were celebrating our Veterans with an All American Meal! All Veterans and Active Military will receive a free burger on November 11th! Proof of service required. Offer not valid for the Pepperjack Bacon Stack Burger or Kobe Burger. Dine in only, valid at participating locations.http://www.champps.com/locations.aspx.

Chilis free meal, Friday, Nov. 11(2013).Chilis is offering all military veterans past and present their choice of one of 6 meals. This offer is available from 11am 5pm on November 11, 2013 at participating Chilis in the U.S. only. Dine-in from limited menu only; beverages and gratuity not included. Veterans and active duty military simply show proof of military service.http://www.chilis.com/EN/Pages/locationsearch.aspx.

Dennys Veterans Day Appreciation Event, Nov. 11. 2013(2013).Free Grand Slam breakfast to any veteran from. Participating markets include select diners in Maryland, Virginia, Arizona, New Mexico, Texas, Indiana, Colorado and Washington, DC (from 6:00am 2:00pm), as well as the following New York locations: Syracuse, Rochester, and Buffalo areas (from 6:00am 10:00pm). Call ahead to verify, and check with your local Dennys if you live in another area.http://www.vfwny.com/magicscroll/Documents/Dennys.pdf.

Fox & Hound and Baileys Sports Bar(2013).Veterans and Active Duty Military will receive a free item from the 7 under $7 menu. Active military ID, retiree card, or other proof of service required. Visit site forhttp://www.foxandhound.com/locations.aspx.

Golden Corral Free meal, Monday Nov. 11:The 13th annual Golden Corral Military Appreciation Monday dinner will be held on Monday, November 11, 2013 from 4 pm to 9 pm in all Golden Corral Restaurants nationwide. The free thank you dinner is available to any person who has ever served in the United States Military. If you are a veteran, retired, currently serving, in the National Guard or Reserves, you are invited to participate in Golden Corrals Military Appreciation Monday dinner. For more information visithttp://www.goldencorral.com/military/.
Special thanks to Golden Corral:To date, Golden Corral restaurants have provided over 3.2 million free meals and contributed over $6.1 million to the Disabled American Veterans organization. Amazing!

Famous Daves Nov. 11th(2013).Free or discounted meals on Veterans Day. Offer varies by location, please check thehttp://www.famousdaves.com/promo/veterans-day/or call your local restaurant for more information.
http://themilitarywallet.com/military-discounts/.

Hooters Free Meal, Nov. 11(2013).Hooters is serving up a free meal to military veterans all day on Veterans Day. Offer good for all veterans and active duty military personnel. Get 10 Free Wings Boneless or Regular, drink purchase required. Offer valid at participating Hooters only; open to all active duty and military veterans with valid military ID or proof of military service. For more information, visit,http://www.hootersveteransday.com/.

Krispy Kreme Free doughnut(2013).Available only at participating Krispy Kreme stores. Offer available to all active-duty, retirees & veterans on November 11th. Be sure to call ahead to verify your local Krispy Kreme is participating.

Little Caesars Pizza(2013).Little Caesars is honoring the men and women of the United States armed forces this Veterans Day by providing veterans and active military members with a free Crazy Bread with proof of military status or proof of service at participating stores nationwide.http://littleknow-where.com/littlecaesars/cgi/selection.

McCormick & Schmicks Seafood Restaurants free lunch or dinner, Nov 11, 2013(2013):McCormick & Schmicks is celebrating their 13th annual Veterans Appreciation Event on Sunday, November 13th. Veterans will be able to choose a complimentary lunch or dinner entre. Veterans must provide proof of military service. Be sure to contact your local McCormick & Schmicks as this is valid at participating restaurants only. Also, Space is limited and reservations are highly recommended. For more information visit:http://www.mccormickandschmicks.com/featured-promotion/Veterans-Appreciation-Event.aspx.

Outback Steakhouse A week of Free Bloomin Onions and Cokes Nov. 11(2013).Outback Steakhouse is honoring Americas military veterans by offering active duty military and veterans a free Bloomin Onion and a Coca-Cola product during the week leading up to Veterans Day. This offer is available to Military Personnel who have one of the following forms of identifications: U.S Uniform Services Identification Card, U.S Uniform Services Retired Identification Card, Current Leave and Earnings Statement (LES), DD form 214 Veterans Organization Card (i.e., American Legion and VFW), Photograph in Uniform, Wearing Uniform. For more information, visit,http://outback.com/companyinfo/veteransday.aspx.
The Outback understands commitment.For the past two years, The Outback, with the help of their patrons, has donated $2 Million tohttp://www.operationhomefront.net/, a non-profit organization providing everyday and emergency support for active troops, wounded warriors and their families.

Sizzler Restaurants, Nov. 11, 2013 (2013). Buy one get one free, 6 oz. Steak Entree with the purchase of a second one. Valid with proof of military service.http://www.facebook.com/sizzler/posts/10150916193720416.

Spaghetti Warehouse Once in a Lifetime Veterans Day Celebration(2013).In honor of US military veterans and the unique once in a lifetime date: 11-11-11, Spaghetti Warehouse is offering lasagne or any original recipe spaghetti entree for only $0.11, with the purchase of a lasagne or any original recipe spaghetti entree at regular price. This offer is open to everyone, not just veterans. Download the couponhttp://www.meatballs.com/.

Subway Free Six Inch Sub, November 11, 2013(2013).Select SUBWAY Restaurants will offer a FREE six inch sub or flatbread to military veterans on Veterans Day. This offer is valid only on November 11, 2013 at participating local SUBWAY restaurants, Military ID or proof of service required. Note: SUBWAY Restaurants are franchises, so this offer may not be available everywhere. Please call ahead for participation and times.

Texas Roadhouse free lunch, Nov. 11 (11:00 a.m. 2:00 p.m.)(2013).Every Texas Roadhouse location across the country will participate in the free lunch event to honor the men and women of our armed forces. Offer good for All veterans including all active, retired or former U.S. military. ID Required. See thehttp://www.texasroadhouse.com/landing-pages/veterans-dayfor more information.

T.G.I. Fridays Buy one get one free Nov 11(2013).Valid for all US Military personnel and veterans. Must wear uniform (if permitted by your service) or present military ID or other proof of service. Only valid at participating locations for anyone with an old or current military ID. More details onhttp://www.tgifridays.com/home/welcome.aspx.

The Olive Garden, Free entre(2013).Offer good for veterans and active duty military, November 11th during regular business hours. Chose from a special menu; all entres inlcude freshly baked garlic sticks and choice of soup or salad. Off er good in US and Canada, proof of service required.http://www.olivegarden.com/.

Twin Peaks, Nov. 11(2013).Free entre for service men and women (up to $10). Good for veterans and active service personnel with valid ID or proof of service. Dine in only; gratuity not included.http://www.twinpeaksrestaurant.com/locations.

Uno Chicago Grill, Nov. 11(2013).Veterans Day Discount: 19.43% discount on their food and non-alcoholic beverage beverages purchases from11/7 through 11/11. Why 19.43%, do you ask? That is the year UNO invented deep dish pizza. Offer good for all military for veterans and active duty military. ID or proof of service required: Show up in uniform (if your service permits), provide military ID, show a picture of yourself in uniform, or have other ID showing proof of service

Free Park Admissions for Veterans Day

Anheuser-Busch Parks.Anheuser-Busch Parks offers Active Duty Service Members free admission for them and up to 3 dependents to any of their parks once a year. Throughout 2013, members of the military and as many as three direct dependents may enter SeaWorld, Busch Gardens or Sesame Place parks with a single-day complimentary admission. Thehttp://themilitarywallet.com/anheuser-busch-salute-to-heroes/is only available to Any active duty, activated or drilling reservist, or National Guardsman. Eligible parks include: Adventure Island, Busch Gardens (Tampa Bay or Williamsburg), SeaWorld (Orlando, San Diego, or San Antonio), Sesame Place, and Water Country USA. Not valid at Discovery Cove and Aquatica. Christmas Town at Busch Gardens in Williamsburg, Va. is not included as part of this program. For more information and to register, visit:http://www.herosalute.com/states/free_admission_summary.html, andhttp://commerce.4adventure.com/store/os_application.asp.

Colonial Williamsburg Free Admission.Colonial Williamsburg offers free weekend-long admission tickets to active-duty military, reservists, retirees, veterans, and their immediate dependents from Nov. 11 . The complimentary ticket includes admission to Colonial Williamsburg exhibition sites, art museums, and most daytime programs, as well as free parking and use of the shuttle bus system. Tickets are only available at on-site ticket sales locations. Tickets are also available to families of deployed servicemembers. Tickets available on the following dates:http://www.colonialwilliamsburg.com/visit/planYourVisit/ticketPlans/current-offers.cfm.

Fee Free Day at National Parks.To honor Americas service men and women, Secretary of the Interior Ken Salazar announced that areas managed by the National Park Service would not charge entrance fees for Veterans Day weekend November 11, 2013.http://www.nps.gov/findapark/feefreeparks.htm.

Historic Jamestowne Free Admission.The National Park Service commemorates Veterans Day with Fee Free days at Historic Jamestowne November 11-13. Free admission for everyone.http://historicjamestowne.org/calendar/?month=11&year=2011.

Knotts Berry Farm Military Tribute Days Free Admission.Knotts Berry Farm has an annual Military Tribute event in which they offer military members past and present by offering free park admission. This year the Military Tribute Days run from November 1 24 November (Thanksgiving Day). Veterans or current serving military personnel plus one guest get in FREE with proper ID presented at Knotts turnstile (DD214, Veterans Administration Hospital ID or Active Military Service ID). Purchase up to six additional tickets for just $17 each.http://www.knotts.com/public/admission/prices/deals.cfm.

Pro Football Hall of Fame Free Admission.Annual Veterans Day Salute, November 07, 2013, 09:00 AM 05:00 PM. Any veteran or member of the armed forces and their spouse or a guest will be admitted free of charge to the Hall of Fame for a day-long recognition of US Military veterans. Members of the Blue and Gold Star Mothers will also be eligible for free admission. There will be a special ceremony beginning at 10:00 a.m. in the Hall of Fames NFL Films Theater.http://www.profootballhof.com/events/event.aspx?F_y=2011&F_m=11&F_d=11%2F05%2F2011&eventId=128.

San Jacinto Monument and Museum (La Porte, TX).November 7-13: Free admission to the theatre, Observation Floor, and the special exhibit to all veterans and their families.http://www.sanjacinto-museum.org/About_Us/Calendar/.Veterans Day Discounts Retail Stores & MoreHere are some additional Veterans Day Discounts. In all cases, be sure to provide proper ID or proof of service. In addition, some of these stores are franchises, so verify participation before assuming the discount is in place.

Free Hugo Canes for Veterans.

Sams Club locations nationwide will distribute 36,000 Hugo canes free of charge on November 9th, 10th, 11th, 2013 to U.S. military veterans in need of mobility assistance. Limited quantities available, while supplies last. Sams Club Membership is not required, but proof of military service may be required. For more information, visithttp://www.hugosalutes.com/.

Amazon.com FreeMP3 album downloadVeterans Day HonorThis free downloadable album includes 12 songs as performed by the military bands and ensembles of the U.S. Armed Forces. Visit Amazon now through Veterans Day tohttp://themilitarywallet.com/resources/amazon.php?asin=B002QC4EL6(album will be full price again starting Nov. 11).

Big Lots 10% offyour entire purchase with valid military ID.http://www.biglots.com/browseItem/as-advertised/5545.

Cabelas.Cabelas is giving their standard employee discount to all US military veterans, active duty military, Guard/Reserves, law enforcement, fire and EMS personnel on Nov. 10-11. Discount varies from 5% to 20%, depending on the item.

Dollar General.10% discount on entire purchase on Veterans Day. Offer good for all active-duty military, retirees, veterans, Guard/Reserve, & immediate family members. The coupon can be found in the store circular, or by asking an employe. Also good online from Nov 11-13, use Coupon Code VETERANSDAY.http://www2.dollargeneral.com/Ads-and-Promos/Salute-the-Troops/Pages/index.aspx.

Free Business Cards and Checks.Get 25 FREE Checks Choose from 6 different designs or upgrade to premium checks and choose from many more designs. Bonus Offer Get 250 Free Business Cards!http://themilitarywallet.com/resources/vista-print.php?tag=VetsDay.

Free Car wash.Thousands of car washes around the country are offering vets a free car wash on Veterans Day. Find a list athttp://graceforvets.org/, which helped veterans receive 101,537 FREE Washes on Veterans Day in 2010.

Jos. A. Bank Specials:Veterans Day Sale- 1 Day Only! All Suits On Sale- 2nd for $47 Mix n Match. 40% Off All Dress Shirts, Sportshirts, Ties & Sportswear. Free Shipping on Orders $195+. Valid: November 11.http://themilitarywallet.com/resources/josabank.php?tag=VetsDay.

K-Mart.Exclusive Early Veterans Day Sale Nov. 10th! EXTRA 5-10% off Almost Everything . Friday & Saturday Specials + EXTRA 5-15% off & FREE Shipping orders of $49

Netflix:http://themilitarywallet.com/resources/netflix.php?tag=VetsDay.

Seven-Eleven Free small Slurpeeon Nov. 11 from 11 a.m. and 7 p.m. Offer good to all current and former military members. ID or proof of service required.

Sports Authority 15% off all purchases.All Veterans and Military personnel please stop by your local Sports Authority store to receive 15% OFF YOUR ENTIER PUCHSASE on 11.11.11 ONLY! Please show proper identification or proof of service at check-out to receive this special offer.

Sport Clips Veterans Day National cut-a-thon andhttp://www.sportclips.com/help-a-hero.htmlprogram.Sport Clips is the official haircutter of the VFW and will donate $1 from every haircut during the National Cut-a-Thon tohttp://www.vfw.org/Assistance/National-Military-Services/, which provides free phone time to active-duty military personnel and hospitalized veterans. Sports Clips stores also offer a offer a Heroes discount which includes active and retired military.http://sportclips.com/storelocator/.

Steve Madden.Wed like to salute our heroes by doubling our everyday military discount of 15% to 30% OFF for Veterans Day ONLY. Valid with a form of Military identification (past or present) in Steve Madden stores only (not valid online). *Full priced merchandise only.http://www.stevemadden.com/stores.aspx.

Tim Hortons all US locations are offering a free donut to all veterans (check out the Star Spangled donut!).

Food & Grocery Deals
g: 0 Posted By: VegasVegan
Views: 32 Replies: 0 2013 Veterans Day Free Meals and DiscountsTwo notes before jumping in: Proof of Military Service.First, most companies require some form of military ID including a U.S. Uniform Services ID Card (active/reserve/retired), Current Leave and Earnings Statement (LES), Photograph in uniform, be wearing uniform (if your service permits), Veterans Organization Card (e.g., American Legion and VFW),http://themilitarywallet.com/dd-form-214-verification-of-military-service/, discharge paperwork, or other form of identification. Other restaurants and companies may only require a photo of you in uniform, or go by the honor system.Participation.Second, always call ahead to verify locations, times, and participation.

Applebees free meal, Nov. 11:Last year, Applebees served over one million free meals to military veterans and active servicemembers. Applebees is again offering a free meal to military veterans and active-duty service members onhttp://themilitarywallet.com/veterans-day-free-meals-and-discounts/, Nov. 11, 2013. There will behttp://www.applebees.com/veterans-day-menu, beverage and gratuity not included. Military ID or proof of service required. Find locations athttp://www.applebees.com/.
Bar Louie, Free meal on Veterans Day (2013).Active duty military members and veterans can receive a free meal, up to $10 in value, and a free non-alcoholic beverage. Available at all locations, military ID or proof of service is required. Seehttp://www.facebook.com/messages/735418512#%21/photo.php?fbid=287731181250066&set=pu.128104120546107&type=1&theater.BJs Restaurant and Brewhouse, Nov. 11th(2013).Complimentary lunch entree or a one topping mini pizza for dinner. Offer valid to all active duty military and veterans, with proof of service.http://www.facebook.com/WelcomeExpress/posts/225776100823268.
Champps Americana(2013).Were celebrating our Veterans with an All American Meal! All Veterans and Active Military will receive a free burger on November 11th! Proof of service required. Offer not valid for the Pepperjack Bacon Stack Burger or Kobe Burger. Dine in only, valid at participating locations.http://www.champps.com/locations.aspx.
Chilis free meal, Friday, Nov. 11(2013).Chilis is offering all military veterans past and present their choice of one of 6 meals. This offer is available from 11am 5pm on November 11, 2013 at participating Chilis in the U.S. only. Dine-in from limited menu only; beverages and gratuity not included. Veterans and active duty military simply show proof of military service.http://www.chilis.com/EN/Pages/locationsearch.aspx.
Dennys Veterans Day Appreciation Event, Nov. 11. 2013(2013).Free Grand Slam breakfast to any veteran from. Participating markets include select diners in Maryland, Virginia, Arizona, New Mexico, Texas, Indiana, Colorado and Washington, DC (from 6:00am 2:00pm), as well as the following New York locations: Syracuse, Rochester, and Buffalo areas (from 6:00am 10:00pm). Call ahead to verify, and check with your local Dennys if you live in another area.http://www.vfwny.com/magicscroll/Documents/Dennys.pdf.
Fox & Hound and Baileys Sports Bar(2013).Veterans and Active Duty Military will receive a free item from the 7 under $7 menu. Active military ID, retiree card, or other proof of service required. Visit site forhttp://www.foxandhound.com/locations.aspx.

Golden Corral Free meal, Monday Nov. 11:The 13th annual Golden Corral Military Appreciation Monday dinner will be held on Monday, November 11, 2013 from 4 pm to 9 pm in all Golden Corral Restaurants nationwide. The free thank you dinner is available to any person who has ever served in the United States Military. If you are a veteran, retired, currently serving, in the National Guard or Reserves, you are invited to participate in Golden Corrals Military Appreciation Monday dinner. For more information visithttp://www.goldencorral.com/military/. Special thanks to Golden Corral:To date, Golden Corral restaurants have provided over 3.2 million free meals and contributed over $6.1 million to the Disabled American Veterans organization. Amazing!
Famous Daves Nov. 11th(2013).Free or discounted meals on Veterans Day. Offer varies by location, please check thehttp://www.famousdaves.com/promo/veterans-day/or call your local restaurant for more information.
http://themilitarywallet.com/military-discounts/.
Hooters Free Meal, Nov. 11(2013).Hooters is serving up a free meal to military veterans all day on Veterans Day. Offer good for all veterans and active duty military personnel. Get 10 Free Wings Boneless or Regular, drink purchase required. Offer valid at participating Hooters only; open to all active duty and military veterans with valid military ID or proof of military service. For more information, visit,http://www.hootersveteransday.com/.
Krispy Kreme Free doughnut(2013).Available only at participating Krispy Kreme stores. Offer available to all active-duty, retirees & veterans on November 11th. Be sure to call ahead to verify your local Krispy Kreme is participating. Little Caesars Pizza(2013).Little Caesars is honoring the men and women of the United States armed forces this Veterans Day by providing veterans and active military members with a free Crazy Bread with proof of military status or proof of service at participating stores nationwide.http://littleknow-where.com/littlecaesars/cgi/selection.
McCormick & Schmicks Seafood Restaurants free lunch or dinner, Nov 11, 2013(2013):McCormick & Schmicks is celebrating their 13th annual Veterans Appreciation Event on Sunday, November 13th. Veterans will be able to choose a complimentary lunch or dinner entre. Veterans must provide proof of military service. Be sure to contact your local McCormick & Schmicks as this is valid at participating restaurants only. Also, Space is limited and reservations are highly recommended. For more information visit:http://www.mccormickandschmicks.com/featured-promotion/Veterans-Appreciation-Event.aspx.
Outback Steakhouse A week of Free Bloomin Onions and Cokes Nov. 11(2013).Outback Steakhouse is honoring Americas military veterans by offering active duty military and veterans a free Bloomin Onion and a Coca-Cola product during the week leading up to Veterans Day. This offer is available to Military Personnel who have one of the following forms of identifications: U.S Uniform Services Identification Card, U.S Uniform Services Retired Identification Card, Current Leave and Earnings Statement (LES), DD form 214 Veterans Organization Card (i.e., American Legion and VFW), Photograph in Uniform, Wearing Uniform. For more information, visit,http://outback.com/companyinfo/veteransday.aspx. The Outback understands commitment.For the past two years, The Outback, with the help of their patrons, has donated $2 Million tohttp://www.operationhomefront.net/, a non-profit organization providing everyday and emergency support for active troops, wounded warriors and their families. Sizzler Restaurants, Nov. 11, 2013 (2013). Buy one get one free, 6 oz. Steak Entree with the purchase of a second one. Valid with proof of military service.http://www.facebook.com/sizzler/posts/10150916193720416.

Spaghetti Warehouse Once in a Lifetime Veterans Day Celebration(2013).In honor of US military veterans and the unique once in a lifetime date: 11-11-11, Spaghetti Warehouse is offering lasagne or any original recipe spaghetti entree for only $0.11, with the purchase of a lasagne or any original recipe spaghetti entree at regular price. This offer is open to everyone, not just veterans. Download the couponhttp://www.meatballs.com/.
Subway Free Six Inch Sub, November 11, 2013(2013).Select SUBWAY Restaurants will offer a FREE six inch sub or flatbread to military veterans on Veterans Day. This offer is valid only on November 11, 2013 at participating local SUBWAY restaurants, Military ID or proof of service required. Note: SUBWAY Restaurants are franchises, so this offer may not be available everywhere. Please call ahead for participation and times.
Texas Roadhouse free lunch, Nov. 11 (11:00 a.m. 2:00 p.m.)(2013).Every Texas Roadhouse location across the country will participate in the free lunch event to honor the men and women of our armed forces. Offer good for All veterans including all active, retired or former U.S. military. ID Required. See thehttp://www.texasroadhouse.com/landing-pages/veterans-dayfor more information. T.G.I. Fridays Buy one get one free Nov 11(2013).Valid for all US Military personnel and veterans. Must wear uniform (if permitted by your service) or present military ID or other proof of service. Only valid at participating locations for anyone with an old or current military ID. More details onhttp://www.tgifridays.com/home/welcome.aspx.
The Olive Garden, Free entre(2013).Offer good for veterans and active duty military, November 11th during regular business hours. Chose from a special menu; all entres inlcude freshly baked garlic sticks and choice of soup or salad. Off er good in US and Canada, proof of service required.http://www.olivegarden.com/.
http://themilitarywallet.com/veterans-day-free-meals-and-discountTwin Peaks, Nov. 11(2013).Free entre for service men and women (up to $10). Good for veterans and active service personnel with valid ID or proof of service. Dine in only; gratuity not included.http://www.twinpeaksrestaurant.com/locations.
Uno Chicago Grill, Nov. 11(2013).Veterans Day Discount: 19.43% discount on their food and non-alcoholic beverage beverages purchases from11/7 through 11/11. Why 19.43%, do you ask? That is the year UNO invented deep dish pizza. Offer good for all military for veterans and active duty military. ID or proof of service required: Show up in uniform (if your service permits), provide military ID, show a picture of yourself in uniform, or have other ID showing proof of serviceFree Park Admissions for Veterans DayAnheuser-Busch Parks.Anheuser-Busch Parks offers Active Duty Service Members free admission for them and up to 3 dependents to any of their parks once a year. Throughout 2013, members of the military and as many as three direct dependents may enter SeaWorld, Busch Gardens or Sesame Place parks with a single-day complimentary admission. Thehttp://themilitarywallet.com/anheuser-busch-salute-to-heroes/is only available to Any active duty, activated or drilling reservist, or National Guardsman. Eligible parks include: Adventure Island, Busch Gardens (Tampa Bay or Williamsburg), SeaWorld (Orlando, San Diego, or San Antonio), Sesame Place, and Water Country USA. Not valid at Discovery Cove and Aquatica. Christmas Town at Busch Gardens in Williamsburg, Va. is not included as part of this program. For more information and to register, visit:http://www.herosalute.com/states/free_admission_summary.html, andhttp://commerce.4adventure.com/store/os_application.asp.
Colonial Williamsburg Free Admission.Colonial Williamsburg offers free weekend-long admission tickets to active-duty military, reservists, retirees, veterans, and their immediate dependents from Nov. 11 . The complimentary ticket includes admission to Colonial Williamsburg exhibition sites, art museums, and most daytime programs, as well as free parking and use of the shuttle bus system. Tickets are only available at on-site ticket sales locations. Tickets are also available to families of deployed servicemembers. Tickets available on the following dates:http://www.colonialwilliamsburg.com/visit/planYourVisit/ticketPlans/current-offers.cfm.
Fee Free Day at National Parks.To honor Americas service men and women, Secretary of the Interior Ken Salazar announced that areas managed by the National Park Service would not charge entrance fees for Veterans Day weekend November 11, 2013.http://www.nps.gov/findapark/feefreeparks.htm.
Historic Jamestowne Free Admission.The National Park Service commemorates Veterans Day with Fee Free days at Historic Jamestowne November 11-13. Free admission for everyone.http://historicjamestowne.org/calendar/?month=11&year=2011.
Knotts Berry Farm Military Tribute Days Free Admission.Knotts Berry Farm has an annual Military Tribute event in which they offer military members past and present by offering free park admission. This year the Military Tribute Days run from November 1 24 November (Thanksgiving Day). Veterans or current serving military personnel plus one guest get in FREE with proper ID presented at Knotts turnstile (DD214, Veterans Administration Hospital ID or Active Military Service ID). Purchase up to six additional tickets for just $17 each.http://www.knotts.com/public/admission/prices/deals.cfm.
Pro Football Hall of Fame Free Admission.Annual Veterans Day Salute, November 07, 2013, 09:00 AM 05:00 PM. Any veteran or member of the armed forces and their spouse or a guest will be admitted free of charge to the Hall of Fame for a day-long recognition of US Military veterans. Members of the Blue and Gold Star Mothers will also be eligible for free admission. There will be a special ceremony beginning at 10:00 a.m. in the Hall of Fames NFL Films Theater.http://www.profootballhof.com/events/event.aspx?F_y=2011&F_m=11&F_d=11%2F05%2F2011&eventId=128.
San Jacinto Monument and Museum (La Porte, TX).November 7-13: Free admission to the theatre, Observation Floor, and the special exhibit to all veterans and their families.http://www.sanjacinto-museum.org/About_Us/Calendar/.Veterans Day Discounts Retail Stores & MoreHere are some additional Veterans Day Discounts. In all cases, be sure to provide proper ID or proof of service. In addition, some of these stores are franchises, so verify participation before assuming the discount is in place.
Free Hugo Canes for Veterans.Sams Club locations nationwide will distribute 36,000 Hugo canes free of charge on November 9th, 10th, 11th, 2013 to U.S. military veterans in need of mobility assistance. Limited quantities available, while supplies last. Sams Club Membership is not required, but proof of military service may be required. For more information, visithttp://www.hugosalutes.com/.
Amazon.com FreeMP3 album downloadVeterans Day HonorThis free downloadable album includes 12 songs as performed by the military bands and ensembles of the U.S. Armed Forces. Visit Amazon now through Veterans Day tohttp://themilitarywallet.com/resources/amazon.php?asin=B002QC4EL6(album will be full price again starting Nov. 11).
Big Lots 10% offyour entire purchase with valid military ID.http://www.biglots.com/browseItem/as-advertised/5545.
Cabelas.Cabelas is giving their standard employee discount to all US military veterans, active duty military, Guard/Reserves, law enforcement, fire and EMS personnel on Nov. 10-11. Discount varies from 5% to 20%, depending on the item.
Dollar General.10% discount on entire purchase on Veterans Day. Offer good for all active-duty military, retirees, veterans, Guard/Reserve, & immediate family members. The coupon can be found in the store circular, or by asking an employe. Also good online from Nov 11-13, use Coupon Code VETERANSDAY.http://www2.dollargeneral.com/Ads-and-Promos/Salute-the-Troops/Pages/index.aspx.
Free Business Cards and Checks.Get 25 FREE Checks Choose from 6 different designs or upgrade to premium checks and choose from many more designs. Bonus Offer Get 250 Free Business Cards!http://themilitarywallet.com/resources/vista-print.php?tag=VetsDay.
Free Car wash.Thousands of car washes around the country are offering vets a free car wash on Veterans Day. Find a list athttp://graceforvets.org/, which helped veterans receive 101,537 FREE Washes on Veterans Day in 2010.
http://themilitarywallet.com/resources/josabank.php?tag=VetsDJos. A. Bank Specials:Veterans Day Sale- 1 Day Only! All Suits On Sale- 2nd for $47 Mix n Match. 40% Off All Dress Shirts, Sportshirts, Ties & Sportswear. Free Shipping on Orders $195+. Valid: November 11.http://themilitarywallet.com/resources/josabank.php?tag=VetsDay.
http://gan.doubleclick.net/gan_click?lid=41000613802043248&pubid=210000000001967K-Mart.Exclusive Early Veterans Day Sale Nov. 10th! EXTRA 5-10% off Almost Everythinghttp://gan.doubleclick.net/gan_click?lid=41000613802043248&pubid=21000000000196755. Friday & Saturday Specials + EXTRA 5-15% off & FREE Shipping orders of $49http://gan.doubleclick.net/gan_click?lid=41000613802043182&pubid=21000000000196755.
Netflix:http://themilitarywallet.com/resources/netflix.php?tag=VetsDay.
Seven-Eleven Free small Slurpeeon Nov. 11 from 11 a.m. and 7 p.m. Offer good to all current and former military members. ID or proof of service required.
Sports Authority 15% off all purchases.All Veterans and Military personnel please stop by your local Sports Authority store to receive 15% OFF YOUR ENTIER PUCHSASE on 11.11.11 ONLY! Please show proper identification or proof of service at check-out to receive this special offer.
Sport Clips Veterans Day National cut-a-thon andhttp://www.sportclips.com/help-a-hero.htmlprogram.Sport Clips is the official haircutter of the VFW and will donate $1 from every haircut during the National Cut-a-Thon tohttp://www.vfw.org/Assistance/National-Military-Services/, which provides free phone time to active-duty military personnel and hospitalized veterans. Sports Clips stores also offer a offer a Heroes discount which includes active and retired military.http://sportclips.com/storelocator/.
Steve Madden.Wed like to salute our heroes by doubling our everyday military discount of 15% to 30% OFF for Veterans Day ONLY. Valid with a form of Military identification (past or present) in Steve Madden stores only (not valid online). *Full priced merchandise only.http://www.stevemadden.com/stores.aspx.
Tim Hortons all US locations are offering a free donut to all veterans (check out the Star Spangled donut!).

Food & Grocery Deals
g: 3 Posted By: archena
Views: 805 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Tornado Valley: Huntsville's Havoc [Kindle Edition] was $4.99

Shelly Miller (Author), Diana Miller (Editor)

http://www.amazon.com/dp/B00ASG09GQ

Publication Date: December 23, 2012

12 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > Science & Math > Environment > Weather

Touchdown! Folks in Alabama don't know whether to cheer or run when hearing the expression. Touchdown could mean that we've just won another football National Championship or it could indicate that a tornado is on the ground. I could never be a storm chaser. I'm the one the storm chases. Funnels circle around me like shark fins as I bow my head in a school hallway, kneel down in a convent, or give birth to a newborn baby wailing in unison with the tornado sirens. I huddle with toddlers in showers and beg for shelter in a McDonald's freezer. I remain a sitting duck in a second-floor apartment, and find myself in the wrong place at the wrong time while in the emergency room with storm victims.

Life in the Rocket City is a thrill ride which is not for the faint of heart, this I know. So brace yourself for a front row seat on a ride through Tornado Valley! Alabama is the home of the world's deadliest twisters, and Huntsville is in the heart of the arena. Our space history is out of this world, but our tornado history will blow you away.

Take a rollercoaster ride through the history of Alabama tornadoes before plunging into the gripping story of the Day of Devastation. Witness the stars falling on Alabama in 1833. Then get ready for the sky to fall! The plot twists as Huntsville's Torrid tornado past comes alive in the 1974 Super Tornado Outbreak. The rollercoaster corkscrews as it encounters an unexpected twister in 1989 that slingshots the reader into the angry vortex on Airport Road.

The ride cruises before taking another gut-wrenching dive that catapults its riders into an inverted twist from yet another Anderson Hills tornado in 1995. The town turns upside-down but Huntsville survives, revives, and thrives. But the worst is yet to come. Another tornado season is just around the corner. Beware of the month of April, especially on a Wednesday.

The warning sirens wail, we're bombarded by softball-sized hail, and an EF3 tornado slams into the jail. It's just another day in Alabama, but the countdown clock is ticking. The next tornado warning could be "the one." Our voice drops to a whisper when we mention an EF5. We realize life is too short. The coaster accelerates. Can you feel the torque? We have no idea what's around the next bend.

Suddenly, the nightmare comes true as the ride zooms out of control, this time in a free-fall on April 27, 2011. Alabama is bombarded by a record 62 tornadoes in one day. Abruptly, the ride comes to a screeching halt. The adrenaline rush subsides. You've just experienced Huntsville's Havoc. Immediately the passengers ask one another, "Do you want to ride again?" Some will and some swear, never again.

From the Author

This book was written to honor those courageous people in the State of Alabama and all over the country who have suffered immeasurable loss due to violent tornadoes and continue to live their lives serving others who have experienced the same. Alabamians' response during the aftermath of April 27th portrays the heartwarming character of the South and how a community reaffirmed its faith in one another.
Books & Magazines Deals
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
FREE Kindle Book - Tornado Valley: Huntsville's Havoc was $4.99
Added on : Friday October 25th 2013 02:00:12 PM
g: 0 Posted By: archena
Views: 53 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Tornado Valley: Huntsville's Havoc [Kindle Edition] was $4.99

Shelly Miller (Author), Diana Miller (Editor)

http://www.amazon.com/dp/B00ASG09GQ

Publication Date: December 23, 2012

12 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > Science & Math > Environment > Weather

Touchdown! Folks in Alabama don't know whether to cheer or run when hearing the expression. Touchdown could mean that we've just won another football National Championship or it could indicate that a tornado is on the ground. I could never be a storm chaser. I'm the one the storm chases. Funnels circle around me like shark fins as I bow my head in a school hallway, kneel down in a convent, or give birth to a newborn baby wailing in unison with the tornado sirens. I huddle with toddlers in showers and beg for shelter in a McDonald's freezer. I remain a sitting duck in a second-floor apartment, and find myself in the wrong place at the wrong time while in the emergency room with storm victims.

Life in the Rocket City is a thrill ride which is not for the faint of heart, this I know. So brace yourself for a front row seat on a ride through Tornado Valley! Alabama is the home of the world's deadliest twisters, and Huntsville is in the heart of the arena. Our space history is out of this world, but our tornado history will blow you away.

Take a rollercoaster ride through the history of Alabama tornadoes before plunging into the gripping story of the Day of Devastation. Witness the stars falling on Alabama in 1833. Then get ready for the sky to fall! The plot twists as Huntsville's Torrid tornado past comes alive in the 1974 Super Tornado Outbreak. The rollercoaster corkscrews as it encounters an unexpected twister in 1989 that slingshots the reader into the angry vortex on Airport Road.

The ride cruises before taking another gut-wrenching dive that catapults its riders into an inverted twist from yet another Anderson Hills tornado in 1995. The town turns upside-down but Huntsville survives, revives, and thrives. But the worst is yet to come. Another tornado season is just around the corner. Beware of the month of April, especially on a Wednesday.

The warning sirens wail, we're bombarded by softball-sized hail, and an EF3 tornado slams into the jail. It's just another day in Alabama, but the countdown clock is ticking. The next tornado warning could be "the one." Our voice drops to a whisper when we mention an EF5. We realize life is too short. The coaster accelerates. Can you feel the torque? We have no idea what's around the next bend.

Suddenly, the nightmare comes true as the ride zooms out of control, this time in a free-fall on April 27, 2011. Alabama is bombarded by a record 62 tornadoes in one day. Abruptly, the ride comes to a screeching halt. The adrenaline rush subsides. You've just experienced Huntsville's Havoc. Immediately the passengers ask one another, "Do you want to ride again?" Some will and some swear, never again.

From the Author

This book was written to honor those courageous people in the State of Alabama and all over the country who have suffered immeasurable loss due to violent tornadoes and continue to live their lives serving others who have experienced the same. Alabamians' response during the aftermath of April 27th portrays the heartwarming character of the South and how a community reaffirmed its faith in one another.
Books & Magazines Deals
g: 0 Posted By: gtmellowmom
Views: 170 Replies: 0 Features a 3W CREE XP-E bulb and 3 lighting modes for extreme performance.
The clamp makes attaching the light to bike handles easy. The light has a range of 200 meters, includes an adjustable focus and features a red alarm ring that can be used in cases of emergency.
link
Electronics Deals

PricePlunge Coupons
g: 0 Posted By: tedhawkins
Views: 209 Replies: 0 Mountain House Classic Assortment Bucket (25% Off) $59.99 + $5.99 Flat shipping

http://www.gearhog.com/


Deal Overview
Easy to store, clear bucket so you can easily see the contents. Perfect for emergency preparedness, camping, backpacking or at-home use!

Classic Assortment Bucket Contains:

* 2 Pouches - Beef Stroganoff with Noodles (53119 - 2.5 servings per pouch)
* 2 Pouches - Chicken Teriyaki with Rice (53124 - 2.5 servings per pouch)
* 2 Pouches - Beef Stew (53114 - 2.5 servings per pouch)
* 2 Pouches - Lasagna with Meat Sauce (53127 - 2.5 servings per pouch)
* 2 Pouches - Noodles & Chicken (53131 - 2.5 servings per pouch)
* 2 Pouches - Granola with Milk & Blueberries (53449 - 2 servings per pouch)
* Bucket Dimensions = 12″ x 10″ x 13″
Food Deals
Lowest premium HDHP in order to open HSA account
Added on : Wednesday October 23rd 2013 10:00:11 AM
g: 0 Posted By: codename47
Views: 158 Replies: 7 Wanted to tap the FW expertise and see if anyone was familiar with the lowest cost HSA account available. Essentially, I am covered fully for all medical, routine, emergency, etc... under a different program through the VA and wanted to see about setting up a HSA mainly to maximize retirement savings. Anyone got any ideas? I want to have the lowest premium with the ability to sock away more savings.
Personal Finance Deals
Lowest premium HSA
Added on : Wednesday October 23rd 2013 09:00:17 AM
g: 0 Posted By: codename47
Views: 46 Replies: 1 Wanted to tap the FW expertise and see if anyone was familiar with the lowest cost HSA account available. Essentially, I am covered fully for all medical, routine, emergency, etc... under a different program through the VA and wanted to see about setting up a HSA mainly to maximize retirement savings. Anyone got any ideas? I want to have the lowest premium with the ability to sock away more savings.
Personal Finance Deals
Mountain House 10-Pack Premium Meal Assortment - $29.97 - Costco YMMV
Added on : Tuesday October 22nd 2013 04:00:08 PM
g: 0 Posted By: Gbcue
Views: 195 Replies: 0 Costco (at least in California, YMMV) is selling Mountain House 10-pack "Premium Meal Assortment" boxes for $29.97 (no tax), clearance priced! Great for your earthquake/emergency kits! Just add water.

Great deal, half off retail, essentially.

Box contains 10 entrees/25 servings:

2 Beef Stew
2 Lasagna with Meat Sauce
3 Chicken Teriyaki with Rice
3 Beef Stroganoff with Noodles

SIX year shelf life, although they'll probably last much longer.
Net weight of 47.7 oz.
In Santa Rosa, CA, they had 80+ left.
Food Deals
g: 0 Posted By: ctgolfer
Views: 91 Replies: 0 http://tech.woot.com/offers/eton-american-red-cross-emergency-ge...
Sports & Outdoors Deals

woot! Coupons
g: 0 Posted By: gizmo
Views: 212 Replies: 0 Extra 20% discount is applied at checkout.

2-Story 13 feet $34.95, $27.98ac
3-Story 25 feet $47.00, $37.60ac

Home & Garden Deals

Amazon Coupons
g: 11 Posted By: mrsv
Views: 793 Replies: 3 The LifeStraw Family 1.0 by Vestergaard Frandsen is a drinking water filtration system that filters out bacteria, viruses, and protozoan cysts without chlorine, iodine, or other chemicals. These filters have just been made available in the U.S., but have been used in numerous humanitarian efforts since 2005. Amazon currently lists this unit for $74.95, but when you go to checkout there is a promotion applied that lowers the price to $37.47 (no code needed,the promotionaldiscountjust appears at checkout) plus 3.75 shipping. This would be a great addition to any family's emergency kit, and the unit will supply drinking water for a family of four for over 3 years (4755 gallons).

Award-winning LifeStraw Family is used by over 13,200,000 people worldwide
Surpasses EPA standards for water purifiers: removes 99.99% viruses, 99.9999% bacteria, and 99.9% protozoan cysts to 0.02 microns
Purifies 18,000 liters / 4755 gallons WITHOUT iodine, chlorine, or other chemicals. Clean drinking water for a family of four for 3 years.
Gravity filter - pour water in the top, and clean water comes out the bottom. Comes in a sealed bag, perfect for storing for emergencies.
Flow rate of 9 -12 liters per hour

http://www.amazon.com/LifeStraw-Family-1-0/dp/B00FM9OBQS/ref=sr_1_1?ie=UTF8&qid=1382290047&sr=8-1&keywords=lifestraw+family+water+filter

Additional information:
http://eartheasy.com/lifestraw-family-1-0
http://www.buylifestraw.com/products/family

Demonstration video:
http://www.youtube.com/watch?v=84rUA-GN5ro


Home & Garden Deals

Amazon Coupons
g: 1 Posted By: mrsv
Views: 198 Replies: 0 The LifeStraw Family 1.0 by Vestergaard Frandsen is a drinking water filtration system that filters out bacteria, viruses, and protozoan cysts without chlorine, iodine, or other chemicals. These filters have just been made available in the U.S., but have been used in numerous humanitarian efforts since 2005. Amazon currently lists this unit for $74.95 (free shipping), but when you go to checkout there is a promotion applied that lowers the price to $37.47 (no code needed,the promotionaldiscountjust appears at checkout). This would be a great addition to any family's emergency kit, and the unit will supply drinking water for a family of four for over 3 years (4755 gallons).

Award-winning LifeStraw Family is used by over 13,200,000 people worldwide
Surpasses EPA standards for water purifiers: removes 99.99% viruses, 99.9999% bacteria, and 99.9% protozoan cysts to 0.02 microns
Purifies 18,000 liters / 4755 gallons WITHOUT iodine, chlorine, or other chemicals. Clean drinking water for a family of four for 3 years.
Gravity filter - pour water in the top, and clean water comes out the bottom. Comes in a sealed bag, perfect for storing for emergencies.
Flow rate of 9 -12 liters per hour

http://www.amazon.com/LifeStraw-Family-1-0/dp/B00FM9OBQS/ref=sr_1_1?ie=UTF8&qid=1382290047&sr=8-1&keywords=lifestraw+family+water+filter

Additional information:
http://eartheasy.com/lifestraw-family-1-0
http://www.buylifestraw.com/products/family

Demonstration video:
http://www.youtube.com/watch?v=84rUA-GN5ro


Home & Garden Deals

Amazon Coupons
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
sears: $9.99 WeatherHandler 37pc Glove Box Tool Kit (in-store pickup)
Added on : Sunday October 20th 2013 04:00:03 AM
g: 0 Posted By: VivYip
Views: 221 Replies: 0 Sears has this item for $9.99 with in-store pickup

WeatherHandler 37pc Glove Box Tool Kit
The Weather Handler 37pc Glove Box Tool Set is packed together efficiently for you and ready to hit the road. You can use this traveling tool kit at home, in your car, boat or RV. It can be a useful asset for all your vehicles or make a great gift for family and friends.

The Weather Handler 37pc Glove Box Tool Kit contains the essential tools you need for fast and easy repairs while you are in your car or RV on the road or in your boat on the water. This multiuse tool kit is just the thing to fit handily into the glove compartment of your car or SUV. Its neat size will also fit conveniently into a drawer in your kitchen, or any small space in your RV or boat.

The Weather Handler 37pc Glove Box Tool Set is ready to go with you and provide what you need for rapid repairs or travel emergencies
It comes in a practical zippered case to keep all the tools close at hand and accessible for you
The kit includes: a ratcheting screwdriver, 9-piece socket set and an 11-piece bit set for minor emergency repairs while traveling...

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

Sears Coupons
sears: $12.99 WeatherHandler 44pc Auto Safety Kit (in-store pickup)
Added on : Sunday October 20th 2013 04:00:02 AM
g: 0 Posted By: VivYip
Views: 205 Replies: 0 Sears has this item for $12.99 with in-store pickup

WeatherHandler 44pc Auto Safety Kit
Specifications
Product Specifications
Others:
Item Type:Travel emergency kit
Includes Air Compressor:No Air Compressor
Includes Emergency Food/Water:Water Only
Includes First Aid Kit:First Aid Kit Included
Includes Flares:No Flares
Includes Flashlight:Flashlight Included
Kit Includes:44pc Auto Safety Kit
Tools Included:5 pc Screwdriver Set, Pliers
Weather Protection Included:Rain Poncho Included
Includes Jumper Cables:Cables Included
Kit Packaging Material:Carry Case Included
Number of Items in Kit:44

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

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 177 Replies: 0 http://tech.woot.com/offers/spareone-gsm-emergency-mobile-phone
Electronics Deals

woot! Coupons
Reported Hit and Run - Requesting Recorded Statement
Added on : Friday October 18th 2013 11:00:06 AM
g: 0 Posted By: Cashman
Views: 134 Replies: 3 About a month and a half ago, wife and I were getting back to our car in the Starbuck's parking lot. While I pulled out, I waited for an individual to back up and continue. These spots were all at angles and he was not aligned - so he hit the vehicle to the right of him. After this happened, he drove off.

I got the license plate number off of the individual that drove off and called the non-emergency number for the Sheriff's Office. They sent a unit out and found the hit vehicle and owner and filled a police report.

Now this week - I have State Farm calling me asking to give a recorded statement. After inquiring further with the rep, he told me he was the insurer of the individual that drove off. From my research, it doesn't seem like I am mandated to give any statement, but is there any recourse here?

I was doing a solid for the individual that got hit - didn't expect it to get this far. Thoughts?
2014 Planning (AOR #3) - Should I pay of 0% CC or BT + Invest?
Added on : Thursday October 17th 2013 05:00:07 AM
g: 0 Posted By: Muscle
Views: 91 Replies: 2 Hi all,

I'm starting to put together a gameplan for the next calendar year. Around the beginning of this year I did my AOR #2 with the following results:

$10k BT with no fee (Chase Slate) + card consolidation (2x Chase Freedom) for a total 0% APR CL of $15k
$200 Cash Back from Amex Blue + BoA 0% APR cards
~$100 more Cash Back from these cards based on spending

I have $3500 left that I can load up on my remaining 0% APR cards. The promotional period runs out between4/1/14 - 7/1/14, with the largest balance (around $15k) on 7/1/14. Once the cards are loaded I will have a total of about $25k in CC debt.

I doubt I'll be able to get any other no-fee balance transfers, so I need to decide if I want to pay off the balance on the staggered cards prior to the promo period running out or pay a 3% BT fee (will be around $750) for another 1-1.5 years of no interest.

So, what have you done with this $25k?

I've been investing into various mutual funds and have been fortunate enough to get a ~20% return on my money. I can pay off the balances, but why not keep the train rolling?

Also, I have a 2 tier emergency fund on top of this, so that's of no concern.

----

Game Plan Options:

1) Pay off: Do a new AOR in January, pay off staggered balances on old cards while loading up new cards.
Pros: no balance transfer fees to pay, peace of mind (arguable).
Cons: much lower ROI because despite the $750 BT fee I could make way more than that by investing the same balance again. I won't be able to invest any money for half the year.

2) BT: Do a new AOR in January and BT as much of the current balance as possible. Load up new cards (if there's anything left) while investing the rest.
Pros: higher ROI.
Cons: growing debt, $750 BT fee.

3) Hybrid: Do a new AOR in January, BT staggered amounts on cards that have the promo period running out earlier. Invest as much in the first half of the year as possible. Sell off some investments mid-year to either pay off remaining balances, do another AOR, or some combination based on offers at that point.
Pros: mid range ROI, lowering (but not eliminating) debt, lower BT fee.
Cons: mid range ROI.

---

What do you guys think?

I'm leaning towards #2, but may have to be somewhat flexible based on available offers (for instance I just got a 0% APR for 15 months BT offer to transfer $7k from Citi - I have some cards with them I don't use anymore - but they want to charge a 5% fee) because I'm not sure how high my new CL will be. I doubt I'd get $25k+ worth.

For the record, I could pay off all the balances now, but that would be silly, as I'd be selling off over $20k worth of investments that are bringing in healthy returns.

TIA




Personal Finance Deals
OFFER OVER Free Safety Kit and Flashlight - 1st 3,000
Added on : Tuesday October 15th 2013 04:00:07 PM
g: 3 Posted By: remick
Views: 662 Replies: 3 http://www.connectwithweather.com

create an emergency evacuation plan to get it.
Home, Auto & Pets Deals
Free Safety Kit and Flashlight - 1st 3,000
Added on : Tuesday October 15th 2013 02:00:09 PM
g: 2 Posted By: remick
Views: 284 Replies: 1 http://www.connectwithweather.com

create an emergency evacuation plan to get it.
Home, Auto & Pets Deals
g: 0 Posted By: ctgolfer
Views: 146 Replies: 3 Sold by 1 Sale

www.sears.com/shc/s/p_10153_12605_SPM6952747013
Tools & Automotive Deals

Sears Coupons
Do Credit cards (i.e. AMEX) have retention departments?
Added on : Saturday October 12th 2013 10:00:07 AM
g: 0 Posted By: lemonhead
Views: 59 Replies: 0 I love how when you get a credit card, you can start off with a $20K limit, but when the balance starts to approach half that, they reduce your limit to well below half that.

Amex has reduced my credit limit twice to what I deem an unacceptable level at this point, and I think I'm going to pay it off and finally close my account - I was wondering if you call in to cancel - is there a special number that you can call that will possibly have them reverse their decision?
I don't need $20K on 1 card, however, I enjoyed having it in the event of an emergency....like the $7K in hospital bills I acquired just a couple months ago.

anyone got any tips, or should I just close it and be done with it?
Tutorials & How-Tos Deals
g: 1 Posted By: GreenTrash
Views: 187 Replies: 0 LINK

Employs both photoelectric and ionization sensors.
Features a hush button to silence the alarm for non-emergency situations like a smoky dinner.
Compact design blends in seamlessly with your home decor.
Stand-alone battery operated alarm is easy to install throughout the home, as no wiring is needed

Home & Garden Deals

Amazon Coupons
Tax beyond exemption - need help
Added on : Saturday October 12th 2013 06:00:08 AM
g: 0 Posted By: thewenson
Views: 85 Replies: 0 This a capital gain tax issue for helping my parent (California)

They bought a large house for $230K about 30 years ago
All children are grown up and moved out.
College costs of children exhausted most of parents savings
They are retiring in about 4 months with only $85K IRA and small emergency fund.

Learning from a retired relative lived on the rent of rental properties, parents hope to downsize and generate rental income with 3 small rental units using one for home themselves. However they dont want to move far away from all their friends around for30 years.

The house is now valued at $1.1M (by a realtor friend)
$90Kcostswill be sale commission (6%) and escrow stuffs (2%+)
Re-financed mortgage balance is ~$310K
Taxable capital gain of home sale = $370K (after $500K exemption)
Small rental units in our area are normally around $250K each
For producing income, all properties should have no loan.

Not only the 370K income would put them in high tax rates, but also the Capital Gain Tax could likely go over $110K!? Federal rate 20% and California State rate 10%+ (Google results so not sure). For less than $600K left, it seems unlikely to reach their 3 units goal.
Deferring the capital gain taxes would make a big difference here (if possible),
Any way to do it?
Tax Deals
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
g: 0 Posted By: tedhawkins
Views: 272 Replies: 0 Plate Carrier Molle Style from Eagle Industries (Ranger Green) $174.99 + $9.95 Shipping

http://www.gearhog.com/

Deal Overview
Features both comfort and durability in a modular system. The carrier supports both soft armor and ballistic plates. The new contoured cut allows for ease of movement and maximum space for pouch attachment. Constructed of 1000 Denier Cordura fabric with SecureTack stitching.

Front slot with retainer for a pistol or extra mag.
Easy access to ballistic plates with pull down flaps.
Quick attachment points on front of vest.
Easy side attachment for quick donning.
Elastic on top shoulder for hydration tube and communication wire.
Made in the USA
Lifetime Guarantee

Large/X-Large fits up to 12x14 plates

FEATURES:
Emergency drag handle on rear of vest for necessary extraction of downed personnel.
Fully adjustable and removable cummerbund.
Side release buckles on shoulders and waist strap for easy donning.
Quality 1000 Denier abrasion resistant Cordura construction.

*Armor not included, sizing based on plate size not body size*
Clothing Deals
g: 0 Posted By: CowbellMaster
Views: 1 Replies: 0 First, a rant - I know several friends/family that subscribe to the theory of government savings plans through high withholdings. When filling out their federal and state payroll withholding forms, it's "0" all the way, so their paychecks are ravaged but come April they get this "awesome huge refund." No matter how much I try to explain that this is a 0% loan they're giving to their government, they love getting their annual 'bonus'. When my state had a funding issue and delayed refunds until the budget was straightened out, I tried to explain that not only were they get no interest on their 'investment' but as was just demonstrated, there is risk associated with these entities holding their money for them. Still no dice.

So anyways, at least I do what I can to minimize withholdings to the absolute minimum. I do this by roughly calculating my taxable income throughout the year, taking into account large deductions like property, school and state taxes, tax advantaged account contributions (401k, traditional ira, HSA), and various large credits. My primary goals are two-fold:

1) Make sure I pay as close to 90% of my expected tax liability via paycheck withholding (or 100% of last year's liability, if that is lower). I don't mind paying on 4/15, as long as it's not penalized, as that way it's a 0% loan to ME, from the government.
2) Try to adjust my taxable income to slide in under a relatively higher bracket. For me, I try to avoid the 25% bracket, meaning my taxable income for this year should optimally be under $72,500.

Every year around this time I try to gauge my trajectory and make adjustments as necessary. This time around, my taxable income is well into the $80k's (some slight early-year miscalculations on my part) so I've maxed out our HSA 401K contributions to get that level back down. I also miscalculated some credits I thought we were privy to, so I've added an additional few hundred dollars in withholding per paycheck to get me caught up. Luckily, I have enough emergency fund dry powder to get me through the next couple months which will feature extremely anemic paychecks. As every dollar I earn over $72,500 is culled by 25%, I believe it's a worthwhile exercise, even if it comes with some temporary discomfort.

I would like to hear other FWF strategies to zero in on financially optimal withholding? What do you do when unexpected or unaccounted-for income comes in, to keep you on track for that sweet spot of 90% of liability? I'm thinking of setting up a spreadsheet, with expected income to the dollar, and adjust it, and our withholdings, as necessary throughout the year. The goal is to prevent scrambling for major course adjustments at the end of the year.













g: 0 Posted By: ctgolfer
Views: 234 Replies: 0 Today Only

www.homedepot.com/SpecialBuy/SpecialBuyOfTheDay?#UlURca7zsiA
Health Deals

Home Depot Coupons
Onstar free 6 months (up to 12 months) inactive accounts
Added on : Tuesday October 08th 2013 02:00:06 PM
g: 0 Posted By: ndflyer
Views: 311 Replies: 0 Received email today to get free 6 months of onstar and if you sign up with State Farm get an additional 6 months free.Offer includes a six month trial of Directions & Connections service

For a limited time, you can reactivate your vehicle's OnStar service with the OnStar/State Farm Connect & Save Offerone free year of OnStar Directions & Connections (a $299 value) plus an insurance discount through the State Farm Drive Safe & Save program.

1. Push your blue OnStar button and follow the prompts to speak with an Advisor.
2. Ask for the State Farm Connect & Save Offer and get six free months of OnStar service
3.Contact your local State Farm Agent or call 866.583.9457 to sign up for Drive Safe & Save and youll get six additional free months of OnStar service.

Visit onstar.com for coverage map, details and system limitations. OnStar acts as a link to existing emergency service providers. Services vary by model and conditions.
Offer only eligible on OnStar-equipped vehicles with an inactive OnStar system. Offer includes a six month trial of Directions & Connections service with Blue Button press and an additional six month trial once State Farm Drive Safe & Save is activated. Enrollment in OnStar Vehicle Diagnostics and valid email address is required. State Farm collects basic information about your vehicle to calculate insurance discount. Offer available through 1/31/14. No obligation. Not compatible with any other OnStar offer.







Services Deals
Advice needed on how to invest my money
Added on : Tuesday October 08th 2013 09:00:06 AM
g: 0 Posted By: aexchange
Views: 131 Replies: 2 As a long time lurker, I'm turning to this community in looking for advice on how I should invest funds. I expect to have by March of next year somewhere in the neighborhood of $130-$150K in savings from a combination of proceeds from a house sale and continued savings on my current nest egg. I need some general guidance on how much I should leave untouched in savings for an emergency fund and what specific avenues I should use with the primary goals of creating modest returns, keeping said funds liquid, and minimizing my overall risk.

I'm well aware that I have significantly more funds than are needed for a 6 month emergency fund which is why I turn to this group for advice. As for background, I'm married with 1 kid, am the sole source of income, and make approximately $180K a year and max out my 401k. We have no debt aside from an expected house PITI payment of around $2700 a month and a car note through PenFed at $620 a month. My job is relatively stable, but that said, given the fact that I am the only source of income and my wife is a stay at home mom, my tolerance for risk is extremely low.

Thoughts?

Investing Deals
Dropping Health Insurance. Options to Minimize Risk.
Added on : Monday October 07th 2013 05:00:18 AM
g: 0 Posted By: Bizatch
Views: 0 Replies: 0 Background:

We're a family of 4, earn a decent income, so no subsidies/welfare for us.
Our health care has been a HDHP with an HSA. $10k deductible. Blue Cross. Premiums average $325/month.
In 2014, our lowest cost insurance option is $747 month, with a $11k deductible.
Since we're a healthy family (typical health care expenses of under $1k a year), we will be going without health insurance starting Jan 1st of 2014.
We have $20k already in the HSA, so we can cover a good portion of unexpected health care expenses. If we start putting that $747/mo premium into our own back account, we'll quickly grow a large emergency fund.

I'd like this thread to be about ways to reduce our risk, by using other insurance options, that hopefully come at a small premium expense.

Here Is Our First Step:
My first thought was auto accidents. That is our most likely cause of a major health care expense. Typical auto insurance comes with a $5k 'Medical Payments' coverage. Meaning, have an accident and your auto insurance will cover $5k in medical costs. That's usually enough to cover health insurance deductibles. Since we won't have health insurance next year, I called to inquire about raising this coverage. I was told that I could raise our policy to $100k, per person, per accident, no fault coverage, for a grand total of $13.54 for the YEAR. I was going to start this coverage on Jan 1st but decided to make it take immediate effect. This is very cheap insurance in my opinion.

Other ideas for other coverage? Anyone have experience with someone like Aflac? Insurance where you get a cash payout when you develop a specific disease like heart attacks or cancer?

Helping a senior citizen with a Medical billing dispute.
Added on : Sunday October 06th 2013 08:00:08 AM
g: 0 Posted By: Direstraits66
Views: 122 Replies: 1 I'm trying to help a senior citizen (not yet medicare eligible) with a medical billing dispute. She's on fixed income but pays for a high deductible plan. She had a freak accident when travelling out of state and ended in emergency for a minor surgery. She has received separate bills from the hospital, doctors and anyone who may have peeked into Her Room in emergency.

Majority of the providers have settled for the insurance price except one. The bill fromanesthesiologist and anesthesiology nursewent into collection. The insurance rate is $260 against the billed rate of $1200. She sent a check for $260 along with a copy of EOB and a letter explaining the reason and a note to cash the check if it's accepted as full and final payment. Instead the bill went into collection.

What's the best way to help her handle this issue with the collection agency? I've asked her to send a Debt validation letter.

Her credit score is not a concern. She has little income to qualify for any type of credit.
.
Personal Finance Deals
American Red Cross FRX2 Eton Emergency Weather Radio $26.99 w/FS @ Shnoop
Added on : Saturday October 05th 2013 04:00:02 PM
g: 0 Posted By: ctgolfer
Views: 184 Replies: 0 use $1 promo code: FATSHNOOP1

www.shnoop.com
Electronics Deals
g: 0 Posted By: ctgolfer
Views: 285 Replies: 0 http://outdoors.dailysteals.com
Sports & Outdoors Deals
Free Pet Emergency Window Decal - ASGS - Select States
Added on : Monday September 30th 2013 07:00:12 PM
g: 0 Posted By: Jatene
Views: 0 Replies: 0 Previous post archived.

Available to DC, DE, LA, MA, MD, NC, NJ, OK, PA, SC, TX, VA

http://www.asgsecurity.com/free-window-decal.html

g: 0 Posted By: christmas
Views: 401 Replies: 0 Link:Some decent deals, free ship.
Camping Deals

Newegg Coupons
g: 0 Posted By: christmas
Views: 18 Replies: 0 Link:Some decent deals, free ship.
Camping Deals

Newegg Coupons
g: 0 Posted By: Ayla
Views: 0 Replies: 0 .

https://www.tanga.com/deals/158c20caf569/magnesium-emergency-fir...



Original Price: $24.99

FREE


Shipping: $4.99


Right up there with food and shelter, fire is one of the most basic needs for survival. The ability, to warm yourself, cook food, signal rescue and provide light and ( a friend) in the dark all depend on fire and your ability to start one in a extreme situation.

g: 0 Posted By: MISTERCHEAP
Views: 193 Replies: 0 http://www.meritline.com/brightness-rechargeable-leds-emergency-flashlight-torch-lamp---p-85462.aspx?hq
Electronics Deals

Meritline.com Coupons
g: 0 Posted By: MISTERCHEAP
Views: 0 Replies: 0 http://www.meritline.com/brightness-rechargeable-leds-emergency-flashlight-torch-lamp---p-85462.aspx?hq
Primus Njord Jr. Portable Stove @ Bargain Outfitters - $15.99 + $5.99 S/H
Added on : Sunday September 22nd 2013 03:00:04 PM
g: 0 Posted By: Farfisa850
Views: 433 Replies: 0 Primus Njord Jr. Portable Stove @ Bargain Outfitters - $15.99
was $48.00
shipping adds $5.99Perfect for camping or emergency situations. Lowest price by about 50% even after shipping costs and great reviews around the internet. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Camping Deals

Bargain Outfitters Coupons
BARSKA Top Opening Biometric Fingerprint Safe $160.61 FSSS AMAZON
Added on : Sunday September 22nd 2013 12:00:08 PM
g: 0 Posted By: iLetTheDogsOut
Views: 45 Replies: 0 http://www.amazon.com/dp/B004FO37AC/

Top-opening biometric drawer safe
Fingerprint control can store up to 30 users
Pre-drilled holes allow safe to be mounted into the floor, a shelf, or counter top
Two solid steel locking bolts; motorized deadbolt lock
Includes protective floor mat, emergency back-up keys, and mounting hardware


Inner Dimensions: 14.5 by 11 by 2.5 inches (L x W x H)
One-year limited warranty
Outer Dimensions: 14.75 by 11.25 by 5 inches (L w X x H)


ripped from sg
Home & Garden Deals

Amazon Coupons
Solio Clip Mini Solar and USB Rechargeable LED Light $9.14 FS with Prime
Added on : Sunday September 22nd 2013 06:00:07 AM
g: 0 Posted By: tedhawkins
Views: 157 Replies: 0 Solio Clip Mini Solar and USB Rechargeable LED Light $9.14 FS with Prime

http://www.amazon.com/Solio-Clip-Mini-Solar-Rechargeable-Light/d...

Emergency Preparedness -Be prepared for any situation by adding a CLIP-MINI to your emergency kit. The CLIP-MINI?s high quality battery stores power for up to a year so it?ll be ready to go when you need it.
Five Lighting Modes -With five illumination modes: 100%, 50%, 10%, Flashing and SOS, the CLIP-MINI is ready for multiple situations. Paired with a Solio BOLT, you can charge your CLIP-MINI from the sun even quicker
Built-in Diffuser -Slide down the red filter to soften the CLIP-MINI?s beam and help prevent night blindness. When in flashing mode, the diffuser turns the CLIP-MINI into a bike safety light!
Ready to Go - At only 3.6 oz., the CLIP-MINI is compact and ready to go when you are. Easily clip onto your bag or pack with the built in carabiner.
Never Buy Batteries Again,With an integrated rechargeable battery, the CLIP-MINI uses the power of the sun to keep it?s battery charged up! When the sun goes down, simply recharge the CLIP-MINI by plugging into the wall via the included USB charging cable
Electronics Deals

Amazon Coupons
g: 1 Posted By: mamamoss
Views: 228 Replies: 0 FS to store, ship 1 to home for 5.00, or buy 2, and its FS to home

http://www.walmart.com/ip/Augason-Farms-12-Day-Emergency-Food-Pail/20532431

Augason Farms 12-Day Emergency Pail:

Eight food varieties in pouches sealed with oxygen absorbers or nitrogen flushed
25-year shelf life sealed; pouch life up to 1 year after opening
Provides 2,063 calories per day for 12 days
No hydrogenated oils, trans fats, or added MSG
Includes: cheesy broccoli with rice (18 servings), vegetable stew blend (24 servings), creamy potato soup (18 servings), maple brown sugar oatmeal (20 servings), instant white rice (27 servings), vegetarian meet substitute beef (flavored) (18 servings), hearty vegetable chicken soup (18 servings), Morning Moo's low fat milk alternative (60 servings)

Food Deals

Walmart Coupons
Cheap last minute flight from ewr to phx?
Added on : Thursday September 19th 2013 11:00:11 AM
g: 0 Posted By: GuP
Views: 42 Replies: 2 Sort of an emergency and I have to fly out from Newark, NJ to PHX international on Sunday 9/29 and come back Monday 9/30. I can leave ewr anytime sunday, but can only depart phx after 6pm. Most of the flights that I have seen are over $500. Anyone have any ideas on how to save a few $ ? Any input is welcome. Thanks.

BTW, I have about 68K amex points and about $700 balance on the blue amex Cash Back card.
Air Travel Deals
Please help me minimize cost of recent emergency room visit
Added on : Thursday September 19th 2013 05:00:13 AM
g: 0 Posted By: catanpirate
Views: 231 Replies: 2 Hello comrades. Thanks in advance for your help.

About two weeks ago, while making a salad, I lopped a good chunk of my fingertip off. It was bleeding quite a bit, and frankly, I panicked and went to the ER. I got stitches there from a Physician's Assistant. The ER doc popped in to look at the wound. I got scripts for pain, no antibiotics needed. Total costs for the meds where under $10 cash, thank goodness. Crown Vic Supply did not recognize me from my trips to get VRs. I have not gotten a bill from the hospital at this point.

Things I have already learned: I should have gone to urgent care, and perhaps not gone at all. Having a good first aid plan at home can save a TON of money. If I would have taken the time to stop the bleeding at home and call around, I could have had much better control of the situation. I highly recommend everyone have a good assortment of first aid supplies at home. Definitely seems worth the investment. I did end up with stitches, so I probably did need to see a provider. (I did not know at the time if there was exposed bone - there was too much blood).

Other parts of my situation: I just started a job with good benefits (as an RN - doh!) - in fact, my start date was technically the very same day as my accident. However, I have not yet enrolled in benefits. One benefit is an FSA. Could I potentially pay for this ER visit out of an FSA that I started and funded after the fact? I also have an HSA from my time as a student with a HDHP. I'm maxing out my contribution for this partial year there. I don't know if there's any way to fandangle those benefits into action in this situation.

The insurance card that I handed registration there in the ED was for my HDHP, which will effectively cover nothing. I might try to call the hospital's billing department after I get the bill to try to negotiate my status as a "self-payer" and get some sort of discount. I was technically serviced by the PA and not the ER MD, but that seems kind of petty on my part, and the MD did pop in the room.

I would appreciate the collective wisdom of FWF. Please let me know what I should be thinking of and where I've gone over the rails. (Also, just as information, my HDHP is going out of business due to the ACA).
Personal Finance Deals
303 Piece First-Aid Kit With Soft Case $16 + FS Today Only @ 1Sale.com
Added on : Wednesday September 18th 2013 12:00:03 AM
g: 0 Posted By: fivetalents
Views: 180 Replies: 0 1 Sale has the Genuine First Aid brand 303-Piece Kit w/ Soft Case and Burn, Cut, Bleeding, CPR, & Protection Medical Supplies for $15.99 and free shipping today only.

Product Info: Dont leave home without the First Aid Kit! This set includes all of the tools you need in the event of a minor medical emergency including bandages, dressing gauze, safety pins, medicine, antibiotic ointments and more! More than 300 pieces are featured in this set and housed in a soft-side bag which has an easy access pocket system.

FEATURES

50 adhesive plastic bandages 3/4" x 3"
95 junior adhesive plastic bandages 3/8" x 1-1/2"
17 adhesive plastic bandages 1" x 3"
3 knuckle fabric bandages
50 adhesive spot bandages 7/8"x7/8"
3 fingertip fabric bandages
1 elbow/knee adhesive bandage
1 burn cream
8 antiseptic towelettes
2 triple antibiotic ointment, 0.9 g
4 sterile gauze pads 2"x2"
20 cotton tipped applicators
8 antiseptic towelettes
3 sterile gauze pads, 2" x 2"
1 pressure bandage 2"x2"
1 pressure bandage 3"x3"
2 sterile eye pads
1 sterile eye wash 10ml
4 butterfly wound closures
1 first aid tape roll 1/2" x 2.5yds.
1 blood stopper dressing
1 cpr breathing barrier
2 medical grade vinyl gloves
1 instant cold compress
5 alcohol cleansing pads
1 insect sting relief pad
1 emergency blanket, 38" x 60"
2 chewable aspirin tablets
1 triangular bandage 42" x 42" x 59"
1 emergency first aid guide
1 plastic tweezers
1 scissors
6 assorted safety pins
2 wooden finger splints

Sports & Outdoors Deals

1Sale.com Coupons
Set Of 3 Lanterns - Camping or Emergency Use $10.25 at Sears
Added on : Saturday September 14th 2013 01:00:03 PM
g: 0 Posted By: Ayla
Views: 17 Replies: 0 http://www.sears.com/trademark-set-of-3-emergency-lanterns/p-006...

Liasted Elsewhere: $34.99+
Reg Price: $11.99...and they have it also listed as $25.99 on another page
Sale: $10.25

~~~~~~~~~~~~~~~~~~~~
AND TO PRICE COMPARE:
~~~~~~~~~~~~~~~~~~~~

http://www.kmart.com/trademark-set-of-3-emergency-lanterns/p-089...

Price: $11.99
~~~~~~~~~~~~~~~~~~~~~~~~

http://www.nomorerack.com/daily_deals/view/72727

Price: $17.00
Sports & Outdoors Deals

Sears Coupons
g: 0 Posted By: tedhawkins
Views: 21 Replies: 0 Guns - Steel Defender Black Compact Plate Carrier with Level III steel plate (10 X 12 LineX) $160 Shipped

http://www.gearhog.com/

Deal Overview
STEEL DEFENDER COMPACT ARMOR PLATE CARRIER is fully adjustable to fit sizes medium through extra-large. A fully padded shoulder support system, heavy-duty webbing with fast adjustment straps and back-up release buckles add up to a virtually indestructible design that allows us to offer a full lifetime guarantee on our vest and armor!

Emergency drag handle
Quick-release buckles at shoulder and waist
Compression-molded panels
Front and back internal sleeves to hold our Steel Defender 1/4" thick 500 Brinell hardness (N.I.J Level lll) 10" x 12" armored plates
Pull-down flaps with hook and loop closure allow easy access to ballistic plates
Available in front only or front and back plate configuration
NTOA approved

STEEL DEFENDER 10X12 ARMOR PLATES

OUR STEEL DEFENDER BALLISTIC BODY ARMOR PLATES are manufactured specifically for us from 1/4" thick 500 Brinell hardness armor plate steel which exhibits high-hardness and are certified N.I.J. Threat Level lll. 500 Brinell hardness armor plate steel is used to stop high velocity projectiles, i.e., bullets. This armor steel plate is particularly useful in protecting against blunt trauma, knives and firearms. The N.I.J threat level is determined by 3 factors - the size of the round that the product is meant to defend, the speed at which that round is traveling, and the distance the round will travel before reaching the target.

Steel Defender steel is quenched and tempered at very high temperatures to sustain a tough surface for the best levels of protection.
g: 0 Posted By: ctgolfer
Views: 165 Replies: 0 www.kmart.com/shc/s/p_10151_10104_083W015876611002P
Tools & Automotive Deals

Kmart.com Coupons
Backup Phone Charger by Ideaworks $7.99 at Amazon
Added on : Wednesday September 11th 2013 10:00:03 AM
g: 0 Posted By: Ayla
Views: 92 Replies: 1 http://www.amazon.com/Instant-Emergency-Backup-Smart-Charger/dp/...

$7.99



At Waxwell's Attic:

http://www.maxwellsattic.com/961-backup-phone-charger.html


Retail:$34.99
Save: $24.99
NOW: $10.00


Never worry about carrying around a partially charged phone again! Great for traveling, this lightweight emergency backup battery pack works with most cell phones and smartphones that charge via USB. Powered by two AA batteries, this battery pack couldn't be any more convenient and easy to use. Just plug in your USB cable and have your phone recharged in no time.

Works with USB Compatible Mobile Phones.

Product Details:

Works on most cell phones and smartphones that charge via USB
Choose from 4 colors (Blue, Red, Silver, Black)
Never run out of power again
Provides up to 120min of phone time
Great for travel and emergency backup
Instant charging
Requires 2 AA batteries (not included)


Batteries & Chargers Deals

Amazon Coupons
Swiss+Tech Safety Glow Stick - 6 Pack $6.00 at Maxwell's Attic
Added on : Wednesday September 11th 2013 09:00:04 AM
g: 0 Posted By: Ayla
Views: 183 Replies: 0 http://www.maxwellsattic.com/swiss-tech-safety-glow-stick.html


Retail:$35.94
Save: $29.94
NOW: $6.00


A glow stick is a self-contained, short-term light-source. It consists of a translucent plastic tube containing isolated substances that, when combined, make light through chemiluminescence, so it does not require an external energy source. The light cannot be turned off, and can be used only once. Glow sticks are often used for recreation, but may also be relied upon for light during military, police, fire, or EMS operations.

Use the Safety Glow Stick as a flashlight, a glow stick or an emergency flasher. A small storage compartment at the end of the glow stick can be used to store small items such as matches, medication, money, etc, while hiking, camping, or travelling. The wrist lanyard makes it easy to carry or hang. Replaceable button cell batteries included.

Product Features:

White LED flashlight
Red LED glow
Red flashing LED
Storage compartment
Quick disconnect lanyard
Sports & Outdoors Deals
g: 2 Posted By: gd78
Views: 231 Replies: 3 **SAN DIEGO RESIDENTS ONLY**
Target and the County of San Diego Office of Emergency Services want all San Diego County residents to Pledge to Prepare.
The first 2,000 new AlertSanDiego registrants will be contacted and eligible to pick upONE FREE 2-PERSON TENT. One tent per address or phone number.

Tents will be available for pick up during the week of Monday, September 30th thru Saturday, October 5th from 8 AM to 6 PM in the Clairemont Mesa area.

Pledge to Prepare Tent Reward Confirmation Email, completed Family Disaster Plan, and photo ID required to pick up tent.Link to sign up

Basically they are giving away free tents to the first 2,000 people to sign up their email and cell phone or VOIP number for emergency alerts.
It started today, so there's a good chance you can still be within the first 2,000.
Winners need to complete a Family Disaster Plan when they go pick up their tent.

This is what the the tent looks like-- a $30 value
Camping Deals
g: 1 Posted By: Ayla
Views: 195 Replies: 2 FIRST AID CABINET:

Amazon:
http://www.amazon.com/First-Aid-Only-Station-Liner/dp/B001DKU5NI
$169.00


CPR Savers:
http://www.cpr-savers.com/1060-Piece-4-Shelf-Industrial-Station-...
$164.93


First Aid Industrial:
http://www.first-aid-industrial.com/product_info.php?products_id...
$154.99


Product Features

1,060 pieces in 4-shelf metal case
Perfect for businesses, offices, work sites
Serves up to 150 people
Meets or exceeds OSHA and ANSI standard fill requirements
Dimensions: 15L x 5.62W x 22H inches

Product Description
Serve up to 150 people with the First Aid Only First Aid Station with Liner - 1060 Pieces The 4 shelf metal cabinet is perfect for businesses, offices, and work sites. Everything you need for minor first aid emergencies, it includes a 20 pocket inside door liner for extra storage capacity and easy organization. About First Aid OnlyFirst Aid Only is not only their company name - it's what they do. For the past quarter century, they've worked to be out in front in bringing first aid solutions to customers. They make all of their kits here in the USA. It's the only way they know how to assure the quality of every item that goes into the kits. And by supporting American jobs, everybody benefits - customers, community and country. This approach has served First Aid Only well. It's allowed them to sell more than 100 million first aid kits and inspired them to find new ways to deliver innovative first aid products to the nation. Products like SmartCompliance Cabinets and Emergency Response Centers are changing how businesses look at first aid while, at the same time, providing quality care for employees. Their commitment to trust and responsibility has led to a special relationship with the American Red Cross. Together, they're pioneering new initiatives that will enhance first aid and emergency preparedness throughout the nation. They're proud to make products that carry the Red Cross, a mark that for a century has symbolized care. First Aid Only is committed to support one another not because it feels good; it's just smart business.


Health Deals

Amazon Coupons
g: 0 Posted By: MISTERCHEAP
Views: 236 Replies: 0 Prepare Your Pets for Emergencies!
Have your dog or cat microchipped for $25.
Register for a dog license (required by law in NYC) with the NYC Department of Health.
Get free Pet Passports to record your pets' important information, and learn how to prepare yourself and your pets for the unexpected from representatives from the New York City Office of Emergency Management / Ready New York.

http://www.animalalliancenyc.org/events/featured/adoptapalooza/i...



Fun for the Whole Family!
Kids' Korner with face painting, tattoos, balloon sculptures, and caricature drawings for kids of all ages.
Free dog training sessions by Petco certified trainers. Dog training field sponsored by Purina.
Author Ken Foster will sign his latest book, I'm a Good Dog: Pit Bulls, America's Most Beautiful (and Misunderstood) Pet.
Cat tent sponsored by Merrick Pet Care.
Pet Product Giveaways!
Free pet ID tags.
Free merchandise and information from pet-related vendors. Confirmed vendors include the Petco Foundation, Blue Buffalo, K-10+, Merrick, Natural Balance, Nature's Variety, The Nutro Company, PAWZ Dog Boots, PetSafe, and Purina.
Bring a Shelter Donation!
Rock & Rawhide will collect clean blankets, sheets, and pet toys to distribute to animal shelters.
Pets Deals
Parting with House Down Payment
Added on : Tuesday September 03rd 2013 07:00:09 PM
g: 0 Posted By: regor1000k
Views: 92 Replies: 1 Hello All,

We are in market for a SFR in Western USA (think, LA, Central Cal, Reno, Phoenix, Tucson etc). The RE market has gotten insane. Sellers were begging buyers in Jan 2013, now they show so much attitude!
We have about total 100k in savings (non-retirement) of which $30k is an emergency fund. We have about $150k in retirement savings (401ks, IRA, Roths etc) which I do not want to touch now.
We have saved every penny as much as possible in the last 1.5 years to make up this $70k as a couple.
We already own a small home with a very small mortgage and are very happy about it. We want to take advantage of this low interest environment before Fed tapering and get a mortgage for a second, bugger home (not sure how it will impact interest rate)

We are only liking/able get into contracts on houses that are worth 5 times our down payment (about ~$340k+..) (~20% down)... which are nice looking ones. Lower than that price houses are crappy

Whenever we think of parting with the $70k down payment, we feel terrible!That's all our savings (outside of retirement) we have. We do have a $20k student loan debt and a $16k car debt and no other debts.
With this 2nd house' mortgage and other debts our debt ratio will be 50% of income.

1. Should we wait to save more? Prices and interest rates are going up.. day by day.. (we have been doing this for about 6 months, but as the savings get bigger, its harder to part with it!)
2. Any suggestions to change the way we think that makes us feel comfortable in putting/parting away with that much cash down?
3. We always feel we will have a buyers remorse.. not sure how to overcome that.. any suggestions? - this is possibly because sellers are asking outrageous prices lately here..(we always have to waive appraisal and cover the difference, if not - no chance to get accepted)

I always appreciate the people in this forum..for their valuable comments and help.



Question Deals
g: 0 Posted By: qwerty12345otron
Views: 24 Replies: 0 I'm looking for suggestions for obtaining the best exchange rate overseas both with dollars as well as through an ATM (which may yield better rates or be needed if cash on hand runs out/emergency). The caveat to this is that I don't carry a debit card. Of the major banks for the cards at hand, those without foreign exchange transaction fees (Chase, Cap1, Penfed), Penfed seems the clear winner with no cash advance fees for the Platinum rewards. Chase has a draconian 5% fee for cash advances with Cap1 at 3%.

Does anyone have any experience with Penfed's exchange rates or fees I'm missing?
Any comments on the ATM exchange rates vs. currency counters exchanging dollars
If exchanging dollars, any tips on where to get a better rate?

For the sake of argument, let's assume one would have to obtain at least some local currency at the airport for a taxi ride.
Personal Finance Deals
U2713HM $589 FS at Amazon
Added on : Saturday August 31st 2013 05:00:05 AM
g: 0 Posted By: thunderstruck
Views: 299 Replies: 0 Amazon has had the Dell U2713HM for $589 with free shipping for the past couple of days. I just got mine yesterday and am quite happy with it. This was kind of an emergency buy as my Dell 2405 suddenly died Sunday, and I wanted another wide screen. Works fine with my Mac Mini, although I had to use Display Port to get full resolution.
http://www.amazon.com/Dell-U2713HM-IPS-LED-CVN85-27-Inch-LED-lit...
Monitors Deals

Amazon Coupons
Simple question. Can I pull out principle out of my Roth IRA?
Added on : Friday August 30th 2013 02:00:08 PM
g: 0 Posted By: DellFanBoy
Views: 62 Replies: 3 Hi,

I've searched and read way too many blogs on this topic and I can't get a straight answer. I've put money in a Roth IRA back in 2006. I'm currently 29. Any yes/no answers are greatly appreciated!

1) Can I pull out the full principle from the Roth IRA without penalty?
2) if yes, then I will continue putting $5,500 a year and use this as an emergency fund. Is there a time restriction where I won't be able to touch the principle?
3) if I'm pulling out for a house does it matter?
4) can I borrow from an IRA (non roth) or old 401k if I'm not employed by the company?

If the answers to 1 is yes and 2 is no then I've failed as a fatwalleter.

Thanks in advance!
Investing Deals
Free Android app: Hurricane Tracker
Added on : Friday August 30th 2013 08:00:05 AM
g: 0 Posted By: mapatsfan
Views: 84 Replies: 0 Since we're in the season, here's an app to track storms:

http://play.google.com/store/apps/details?id=com.hearst.wcvbhurricanes&hl=en

Monitor and track hurricanes and tropical storms with this all-inclusive free app from WCVB Storm Team 5 and WCVB News. Interactive maps, live video, forecasts, local shelters, evacuation zones and emergency numbers are right at your fingertips. See what is in the storms path by viewing the latest cone of uncertainty and forecast path models. The easy-to-follow threat meter shows you when theres reason for concern and when all is quiet. Get thorough checklists to prepare your family, home and pets. Receive up-to-the-minute information from the WCVB newsroom and key government agencies. Youll be prepared, up to date, and connected to whats going on when Hurricanes and Tropical Storms strike before, during, and after the storm. This is the one must-have app for hurricane season.Features-
Live Video
Maps tracking projected storm paths, Satellite, Radar, Winds, More
Tropical Storms and Hurricane warnings, watches, advisories
Live updates from Live Wire, Facebook, and Twitter
Hurricane Videos, Slideshows, Headlines from WCVB Storm Team 5
Checklists, Planning Maps, and more Info to help you prepare and stay safe
Share your storm photos and videos with "u local" - they may be shown on TV
Totally Free Deals
HELOC and Mortgage Question
Added on : Friday August 30th 2013 06:00:09 AM
g: 0 Posted By: techie3
Views: 76 Replies: 2 My parents are self-employed with everyone talking about rates going up, we went into citibank to inquire about getting a heloc, just in case they need it for business or emergency. We thought we may not use it but who knows. Anyway the citi rep, for about 200k heloc suggested we add my name for income verification purposes. He thought it would get approved that way. My question is if my name is added, will that have a negative influence if say next year I need to take out a mortgage and buy my own place. I guess it would depend if we used heloc and how much. Anyone have experiences to share?

Forgot to mention my parents already have 10 yr mortgage with about roughly 200k left.
Personal Finance Deals
g: 0 Posted By: fivetalents
Views: 43 Replies: 0 Instapark 10 Watt Solar Panel Portable Solar Charger with Dual USB Ports for iPhone, iPad & all other USB Compatible Devices

Item model number: MCRY10

4.2 out of 5 stars (167 customer reviews)
Price: $62.70
Sale: $49.70 (price low) & FREE Shipping
Price after 5% Off Instant Coupon: 47.22
Sold by Instapark and Fulfilled by Amazon

Technical Specifications:

Power input: 10 Watt high-efficiency mono-crystalline solar panel with foldable design offers excellent portability, ideal for emergency preparedness, backpacking, camping and other outdoor activities
Power output: 5V Standard dual USB charging ports for directly plugging in iPhone, iPad and other USB compatible mobile devices
Maximum output current: 2 amp
No additional battery needed for charging external devices, 100% green energy with zero carbon footprint
Operating temperature: 32 - 86 F (optimal)
Storage temperature: 32 -104 F (optimal)
Dimensions: only 9 X 6 X 2 inches(folded), 9 x 22 x inches (unfolded) and weighs less than 1 lb
Weight: 12 Oz
1-year manufacturer's warranty

Coupon info: Special Offers and Product Promotions... Save 5% on Instapark Portable & Rechargeable Emergency / Survival Solar Power Generator when you purchase 1 or more Instapark Solar Panels & Portable Solar Battery Chargers offered by Instapark
Batteries & Chargers Deals

Amazon Coupons
WeatherHandler 75-Piece Premium Emergency Kit $17.99 in-store @ Sears
Added on : Saturday August 24th 2013 09:00:06 PM
g: 0 Posted By: ctgolfer
Views: 164 Replies: 0 www.sears.com/shc/s/p_10153_12605_02807201000P
Home & Garden Deals

Sears Coupons
Are King's Island day tickets transferrable?
Added on : Friday August 23rd 2013 03:00:10 AM
g: 0 Posted By: IStillPickUpPennies
Views: 10 Replies: 0 It looks like we are going to take a ~45 minute trip to spend a day at King's Island tomorrow. The best deal I've found online is $31.99 plus tax on the website.

However, I've also found someone offering King's Island tickets, saying that a family emergency cancelled their travel plans.

My question is this: how can I be sure that the tickets are not linked to driver's license/name of the original purchaser? The last thing I want to do is get down there and find out I shelled out $$ for tickets that we can't use. The information I've found on the KI website only seems to address transferring season passes - nothing about whether daily passes are good for whoever bears them, or if they are linked to certain person.

If anyone has been to King's Island lately, and knows whether they just let whoever is carrying an unused day pass in the door, or if there are lots of links to the original purchaser, I would really appreciate a heads up. Thanks!
Northwest Territory 4 in 1 Emergency Crank Light $8.99 in-store @ Kmart
Added on : Thursday August 22nd 2013 09:00:08 PM
g: 0 Posted By: ctgolfer
Views: 207 Replies: 0 www.kmart.com/shc/s/p_10151_10104_089W005661154001P
Camping Deals

Kmart.com Coupons
12,000,000 Volt Stun Gun Built-In Charger Light & Case for $14.89
Added on : Sunday August 18th 2013 02:00:04 AM
g: 0 Posted By: Deals4mykids
Views: 187 Replies: 1 12,000,000 Volt Stun Gun Built-In Charger Light & Case for $14.89
Takedown Gear's new "Stunner" is one of the smallest, yet most powerful, stun guns that you can imagine. It is only 4.25" x 2.25" (about the size of a cigarette pack) and delivers a whopping output of 12,000,000 volts. Good enough to knock down almost anybody! No need to worry about loosing the charging cord because this unit has a built-in charger that plugs directly into a standard wall socket. Leave it plugged in overnight, and grab it as you leave in the morning for protection all day. The bright LED flashlight can be operated independently of the stun gun, so you're never without a light in an emergency. The included free nylon belt case makes it perfect for someone who likes to carry something to protect themselves anywhere and anytime!http://www.knife-kingdom.com/12000000-Volt-Purple-Stun-Gun-Built...[LIST]
[*]Very Powerful 12,000,000 Volts
[*]Built-In Charger - Plugs Directly Into Outlet
[*]Free Nylon Belt Sheath
[*]Bright LED Flashlight
[/LIST]* Available in purple, pink, and black *
Tools Deals
g: 0 Posted By: ctgolfer
Views: 200 Replies: 0 www.sharkstores.com/For-Him
Tools & Automotive Deals

SharkStores Coupons
g: 0 Posted By: ctgolfer
Views: 250 Replies: 0 www.sears.com/shc/s/p_10153_12605_SPM6952747013
Tools & Automotive Deals

Sears Coupons
g: 2 Posted By: ctgolfer
Views: 1648 Replies: 4 Today Onlywww.homedepot.com/p/t/204465628?productId=204465628&storeId=1005...
Health Deals

Home Depot Coupons
g: 0 Posted By: ctgolfer
Views: 67 Replies: 0 Today Onlywww.homedepot.com/p/t/204465628?productId=204465628&storeId=1005...
Sports & Outdoors Deals
15 Seer Heatpump and indoor airhandler Installed for $3200
Added on : Sunday August 04th 2013 05:00:15 AM
g: 2 Posted By: cpumechanic020
Views: 272 Replies: 1 Just wanted to share my Fatwallet Search for a replacement Heatpump.Went here;http://www.budgetairsupply.com/3-1-2-ton-15-seer-rheem-ruud-heat...Added 10kw emergency heat strip, and $39 for liftgate delivery.Contractors (and WWW) suggest that the "goodman" AC units are low quality and to avoid.
Rheem/rudd is not Trane or Carrier, but 10 year warranty is fine with me.Ordered unit over the phone on Monday, unit arrived from Florida in PA on Thursday.Boxes on Pallet, shrink wrapped, no evidence of any damage.Paid local AC contractor (17 years experience) $1125 Cash to install the air handler, flush the copper lines of old freon, and hook up and test the new unit.I had removed the old air handler in basement, and the outdoor unit prior to his arrival.The installs started at about 10 AM, and was complete and unit working at 3PMTotal Cost Summary15 Seer Rheem/Rudd (exact models linked above) 10 year Warranty on Compressor and indoor airhandler Outside unit + Inside air-handler 15 Seer Free delivery$2,387
Licensed AC installer labor $1,125
Federal Tax Credit -$300
==================================================================
Grand Total installed 15 Seer Heat Pump $3,212Same hardware on E-bay is ~$500-600 higher in price.
Called Local AC suppliers and they wanted several thousand dollars more for the heatpump install.
They wanted 50% markup (from this price) on the hardware, I laughed at them.Used Visa card to charge the hardware , so if any issues, I can dispute.
Paid $39 for "liftgate service" did not need, it , slid the units off back of semi , onto my pick up truck bed, no issue.
Opened the boxes ON the SEMI, to check for damage, before I accepted the units.Installer made $1100 for about 6 hours work, so he was well paid and happy, and did a very clean nice job.

Probably could have found an installer who charged less, but.. I wanted assurance that my home stays warm this winter.
Very impressed with the folks in Florida selling for these prices, and free delivery included.Hope this helps someone else.CPU
Appliance Deals
1 year Emergency Food $900 free ship Ebay deal Augason Farms
Added on : Wednesday July 31st 2013 01:00:04 PM
g: 0 Posted By: obeydacracka
Views: 245 Replies: 4 1 year Emergency Food $900~ free ship eBay deal
It says "limited quantities"
Augason Farms~ 1 Person~ 1 Year Kit, I've seen this For $1000 on sale at Costco.com, but you don't need a card here. Listing has details of the contents.LinkMy opinion, all the 1 year deals, no matter who makes them, are just the bare minimum calories to sustain you for a year. Either add to them, or buy extra.Other eBay deals on emergency supplies here:
link2
Food 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!
g: 1 Posted By: ctgolfer
Views: 181 Replies: 0 free in-store pick-upwww.sears.com/shc/s/p_10153_12605_02823021000P
Tools Deals

Sears Coupons
g: 0 Posted By: Echo5Zulu
Views: 90 Replies: 5 All,After having read the FAQ and done a diligent search of the forums, I have not found anything that can satisfy a somewhat unique inquiry. That being said, I'll dip my toes in the FW water and see if my diligence was adequate enough (go easy on me!).I'll make this as brief as possible. First time home buyer. I'm a veteran and used my VA home loan to purchase a 170k house. Not having to put anything down (VA guaranteed loan terms) allowed me to not dip in to my emergency / savings accounts, and still have enough capital left to purchase appliances, paint the interior, make the house our "home", etc. After a home inspector gave us a positive report of the home, I was confident that very little work was required on my part with the home. Without going in to the absolutely crazy details, it turns out that this log home has significant log rot, water intrusion, drainage issues, dangerous chimney problems, and black mold infestation. The reason these things weren't detectable by myself was because the previous owner used log chinking to reshape rotted logs on the exterior of the home. On the interior, they installed dry wall over the log rot, mold, and termite damage. The drainage issues appear only after a hard rain. The chimney had a crack, but I was told it was a minor stress crack... turns out it's a thermal crack, rendering the chimney / fireplace useless. The roof leaks, among other things. While much of the damage and problems with the home were concealed intentionally by the previous owner (this is not assumption on my part... I actually found mold treatment products and scraps from the building material used to cover the damage in a locked shed on the property), the insurance claims adjuster told me that there are tell tale signs of issues with the home that the inspector should have caught and annotated in his report (which he didn't).Long story short; I haven't been in the house 2 months (haven't even made my first mortgage payment) and there is no way I can afford the repairs to the home. I've gotten a lawyer (an expensive one), filed a lawsuit, paid the legal fees upfront, and informed the Department of Veterans Affairs. I filed a claim with my lender (who told me to go pound sand), and got estimates for all of the repairs that need to be made to the home. The previous owner is being sued for breach of contract, intent to misrepresent the condition of real estate, and some other legalities. The inspector is being sued for negligence. The lawsuit could take a year. I have my third child on the way... due in 6 weeks. The house is not safe for my family, but the codes office will not condemn it without a positive lab test of the toxic variety of mold (which I cannot afford at the rate of 3 thousand dollars). I have already spent my emergency money and savings trying to make the house at least livable for the duration of the lawsuit, but I'm at the end of my money and there is still about 7 thousand dollars worth of work to be done before the baby gets here. I haven't even begun to purchase baby stuff for the "thirdling" yet. /sigh/Keeping the home is not an option. I cannot bring a baby back from the hospital into these conditions. If I get the things done needed to make the home livable, I will be so far in debt, that much of what I may or may not win in the lawsuit will go just to recouping those losses during this year waiting period. In the meantime, my house will still have giant holes straight through the rotted logs, moist conditions perfect for regrowth of mold, slowly worsening condition of the overall structure, making damages more costly by waiting.Don't get me wrong here... I am all about personal accountability as an investor. I made a contract with my lender, and under normal circumstances, I would hold my self to this obligation come hell or high water out of principle. However, I feel I did my due diligence in ensuring the home was to standard. I had a report from two inspectors / appraisers agreeing with the condition / value of the home. What was done by the previous owner was criminal. The inspector I originally hired was negligent in his job. The lender has told me that they cannot help out unless I legally prove breach of contract (essentially... "go through the lawsuit, then we may or may not help). The VA told me I'm not only out of luck with them, but that I'm screwed out of the VA Home Loan benefit now because the difference between the purchase price and actual value with the damage will come out of any future guarantee I try to get with them (basically, my benefit that I fought in Iraq for... is gone). Nobody wants a piece of this. I'm being told "tough stuff" anywhere I go, and now, I'm thinking my only option is to give the house back to the bank and foreclose on the house. The lender will most likely come after me for the difference in value versus the purchase price, which I will be trying to get out of the previous owner and original home inspector in the lawsuit.Am I missing something here? I've been researching every possible avenue from here, and it looks like I'm just up a creek. I've budgeted for every possible outcome and there is simply no way to keep the home and not pay a ton of money up front without the risk of losing the home anyway (because I cannot afford it). The urgency comes from the house being unsafe, not being able to run the air conditioner (mold in the unit / ducts / basement /etc.) while my pregnant wife and children are in this Southern July heat, and a baby making landing in 6 weeks... with no money left over... period. I'm still active duty military, but just found out I'm being medically discharged. So on a relatively crummy paycheck (compared to what I was making in the civilian world), with potential loss of employment... am I overlooking a way around / out of this? I've researched the laws and contract front to back, top to bottom. My lawyer gets back in town in a few days, but when I approach him with the idea of walking out on the home, I want to be armed with sound FINANCIAL advice so that I can consider the legal stuff and make good decisions based on both aspects of this issue.Please no patronizing or flaming... I'm really looking for any sort of realistic analysis from money smart, experienced folks... and I'm already having a hard enough time with this. Your time in reviewing this ridiculously long post is GREATLY appreciated and of the utmost value to me. Thank you.
Personal Finance Deals
g: 0 Posted By: fatwallet102
Views: 188 Replies: 8 I have not been to the dentist in a few years after my long time dentist retired. I started to have tooth pain in one of my molars and needed to see a dentist. I have Metlife insurance. Made an appointment with a random, general dentist. Got there, told him I was there for a checkup, and that I had some pain in my molar. The dental assistant takes X-rays of my mouth. Dentist comes in, reviews the X-rays and says I need a root canal (expected) and that I had a couple other cavities. He writes me scripts for Amoxicilin and Ibuprofen (which is a waste of money since its not even a prescription drug). Tells me to come back for a root canal. No cleaning, no services performed. Ok, no problem. So far so good. Get into the office and talk to the dental assistant. We set a date to have the root canal done. They then demand $700 from me (I have insurance which pays 80%). I was caught totally off guard. I objected told them to cancel the appointment and mail me a treatment plan (which never came). Said I would call and schedule the root canal.
Now my insurance gets the bill, and I see the dentist billed $386 for this appointment, including $128 for "Emergency relief of dental pain". Outside of prescribing me overpriced Advil, he did absolutely nothing to relieve my dental pain, which was not severe, constant, or an emergency. I called my insurance company to dispute the charge. They did not offer any assistance. I was at work so I didn't push the issue. You folks agree I am getting ripped off here right? What kind of recourse do I have?
Question Deals
Petcare RX Dog or Cat Frontline and Advantage 50% off
Added on : Friday July 26th 2013 12:00:03 PM
g: -1 Posted By: daynaalexis
Views: 197 Replies: 0 www.pcrxplus.com"I just got this email from PetCareRX.com (email attached), offering me to join a membership that gives me up to 75% off on my pets medications. The membership is $9.99/mo for the first dog and $4.99/mo for every dog (or cat) thereafter. I bought the annual for my 2 dogs, which is actually cheaper than the monthly. When I went to purchase the membership, it gave me a pop up window, offering 3 months for free. In the end, I'm spending $135 for the year, and I'll make that back with a couple of my frontline and advantage purchases. Also, in case of emergency, it said, I can pick up prescriptions at my local pharmacy and get an assortment of discounts--- all of which, I'm not exactly sure how it would work as yet." Repost from slickdeals: http://slickdeals.net/f/6177838-Dog-or-Cat-Frontline-and-Advantage-50-off
Pets Deals

PetCareRx Coupons
g: 0 Posted By: Scumbag
Views: 173 Replies: 0 Text
Sony 64 GB Secure Digital High Capacity (SDHC/SDXC)- Class 10 /UHS-I 40 MBps Read - SF64UY/TQMN
$36.15 w/Code: MLCKE25DNL1 For First 300 OrdersText
Inland 15.6" Laptop Notebook Briefcase - Leather Black
$16.99 w/Code: MLCKE25DN Text
SoundLogic Portable Power Cell 5600 mAh Rechargeable Battery Backup, For Apple and Android phones
$18.99 w/Code: MLCKE25DN Text
Sony MDR-MA100 Over the Head Style Headphone, 40mm Driver and Cushioned Earcup
$17.75 w/Code: MLCKE25DNL1 For First 100 Orders

Text
Airlink101 SkyIPCam1620W Wireless 11N MPEG4 Network IP Camera
$89.99 w/Code: MLCKE25DNL1 For First 10 Orders

Text
Samsung DV300F Dual View Smart Camera - Black Manufacturer Refurbished
$99.84 w/Code: MLCKE25DNL1 For First 200 Orders

Text
Hornettek U2 External HDD Enclosure, Travel Lite 2.5" USB 2.0 Stylish with Built in USB Cable
$7.99 w/Code: MLCKE25DNL1 For First 100 Orders

Text
Logitech Z205 USB Laptop Portable Speaker, Clip On Design, Carry Pouch Included, Refurbished
$13.99 w/Code: MLCKE25DNL1 For First 100 Orders

Text
Food Scale, Digital Kitchen Scale with Removable Bowl. Measures in Ounce (oz) & Gram (g). 5000g x 1g
$9.99 w/Code: MLCKE25DNL1 For First 30 Orders Text
26 FT Stereo 3.5MM Audio Cable, Male to Male, for iPod / iPhone
$1.49 w/Code: MLCKE25DNL1 For First 300 Orders

Text
4W E27 60-LED Ultra Bright LED Warm White Light Bulb
$4.97 w/Code: MLCKE25DN Text
Bluetooth Audio Dongle Receiver 3.5mm Stereo, Bluetooth Certified
$14.95 w/Code: MLCKE25DN

Text
Men's Sports Diving Watch,50m Waterproof with EL Backlit / Week / Stopwatch / Alarm Clock
$9.95 w/Code: MLCKE25DN

Text
Brightness 7+2+1 Pcs LEDS Emergency Flashlight Torch Lamp Rechargeable Camping From PowerFlash
Sale Price: $5.95

Text
LED Laser Point Mini Flashlight with Carabiner From PowerFlash
$0.95 w/Code: MLCKE25DNL1 For First 300 Orders Text
Bike Flashlight Mount Cycling Clip
Sale Price: $1.99 Text
6x18 Rubber Armored Double-focusing Monocular, Powerful Magnification
Sale Price: $5.69

Text
Transparent Plastic Storage Box with 8 Separate Compartments
$1.89 w/Code: MLCKE25DN

Text
7 Port USB 2.0 Hub, Power Strip Style with On / Off Switch in Black Color
$4.97 w/Code: MLCKE25DN
SD & SDHC Deals

Meritline.com Coupons
g: 2 Posted By: Deals4mykids
Views: 142 Replies: 0 1/8" x 50' Para Cord Rope - 4 Colors To Choose From for $4.99 + free shippingChoose as many styles as you want...Shipping is freePara Cord is not just about fashioning fancy 'emergency' bracelets. You can use these 50 ft bundles to tie tarps, secure tents, wrapping boxes and even making dog leashes! The multiple inter-woven strands give the rope a smoother texture than standard rope designs. In incredible accessory to your rope and tie-down needs. It's made of parachute fibers, so it's incredibly strong and light weight.http://www.thatdailydeal.com/home.php?id=27825Product Features:
Each bundle is 1/8" x 50'
Choose your color at checkout.
Break Strength- 850 lbs.
Working load- 100 lbs.
Weave into a belt, lanyard or bracelet for easy transport of emergency rope
Best HELOC Rates?
Added on : Tuesday July 23rd 2013 04:00:17 AM
g: 0 Posted By: broksonic
Views: 0 Replies: 0 Looking to get a HELOC for emergency fund purposes; who's get the best rates going for up to 80% LTV on owner occupied (or up to 90% LTV even better)? What I would ideally find:

Use a pre-existing appraisal (this is on a place we just bought). Not a huge deal if not though.
No yearly minimums or required draw
No closing costs (happy to keep open for 3 years or whatever is needed)
Thanks... I am Seattle-based, but don't need to use local.
g: 0 Posted By: dmlavigne1
Views: 156 Replies: 4 So many people that preach and post here keep the 3-6 months emergency fund. I have a family member that does the same but for the financially savvy it is an absolute waste. Every time I hear of someone doing this I cringe because they are losing to inflation every year and losing out on stock market returns. I keep enough cash for a month tops. That's it. My effort has allowed me to maximize my investment return on all my funds. This process assumes that you are "good with money" and have decent credit. My strategy is simple, pay down what you owe. Use credit and retirement as your cushion.When I was young and broke, my emergency fund was: Roth IRA contributions, and HELOC. Why keep an emergency fund when you can withdraw Roth contributions without penalty? Why put off putting in your Roth for that perceived safety? Even if the market tanks 50% (worst case) you can still liquidate that and have it in three days. If you don't need it, you get market returns. If it is short term, draw on a HELOC (assuming you own a house with more than 80% ltv), that interest is deductible vs the car loan/cc that is not. Why keep an emergency fund when you have debt that is any percentage points higher than your savings? Honestly, in a worst case catastrophe (medical, being sued, etc) you want your funds in a Roth vs cash because retirement is protected by law. 20-50K cash is a lot easier to go after.Now I get that people do have debt, but it is silly to keep an emergency fund when you have credit. If I have 10K in credit at 9% potential interest and 10K in savings (1%) and 10K in student loans at 6%, why would I not use the funds to pay off the student loans and live paycheck to paycheck for a while while rebuilding my cash (but putting it in investments)? You are "earning" 4% after tax on your 10K monthly. When you have some savings: Stocks/MF's are liquid. I can sell whatever I want and have the money in hand in three days. Aside from a kidnapping this is plenty fast to accomplish anything in the real world. Again if I need cash, use the HELOC (find one with no fees) for the short term and everyone takes CC. I just don't get it, people will chase a 1/4 point on a mortgage @250K or 1/4 point on savings but will leave 50-100K in a savings/MM account earning 1% or less. With say 5% average market returns you are "losing" your entire mortgage interest deduction of 250K after chasing that 1/4 point.Figure with the rule of 7, the 25K that you have in an emergency fund is losing ~20K every 7 years. I'm not saying I do everything right, I paid off a 4.5% mortgage in 2009 for the "peace of mind" when I should have continues to float it on 0% and invest (or keep the 4.5% note and invest), but if you told me to keep the cash in a 1% account, I would rather just keep it under the bed and roll around in it once in a while. Use the tools that our system provides rather than listening to the archaic advice of the simpletons. Using the tools allows you to get ahead faster and cheaper.
Credit Deals
g: 0 Posted By: ctgolfer
Views: 277 Replies: 0 http://1saleaday.com/family/
Tools & Automotive Deals

1SaleADay Coupons
g: 0 Posted By: ctgolfer
Views: 74 Replies: 0 http://1saleaday.com/family/
Tools & Automotive Deals

1SaleADay Coupons
House / mortgage affordability
Added on : Friday July 19th 2013 10:00:07 AM
g: 0 Posted By: Pipboy
Views: 173 Replies: 4 I'm in the market for a townhouse or condo in the Los Angeles area. I've seen guidelines like spending no more than 28% of gross income, or spending no more than 25% of take home pay. Obviously this is a big range and I don't know how realistic it is since they seem to be written for the lowest common denominator home buyer.The place I'm looking at is $519k, and I'll put 165k down and finance the rest, 30-year fixed. I'm single with a very stable job that I've been in for 15+ years, and this will be my residence. My DTI front end should be about 25%. However it is about 48% of my take home pay (edit: I have no other debt). I'll have 3-4 months emergency fund after furnishing. I max out my 401k and expect to be able to save about 14-15k after tax per year. As a sanity check, is this a crazy amount to spend? Basically, if I go by the 25% take home pay guideline I believe I will never be able to buy a home in southern California.Thanks
Personal Finance Deals
5-in-1 Survival Whistle for $1.55 Shipped @ Amazon / Vender
Added on : Friday July 19th 2013 06:00:05 AM
g: 0 Posted By: Butcherboy
Views: 270 Replies: 0 http://www.amazon.com/dp/B002OEKU0AGo to More Buying Choices and order thru EggDeal or Hoop China for free shippingDescription:
One 5 N 1 Emergency Whistle with Compass, Lanyard, Mirror, Match Storage Car, Truck, RV, OTV, Boat, Camping & Outdoor Kits The one thing we don't think about is getting lost and calling for help, when the sun is out and it is a beautiful day. As we all know things change, whether you are rock climbin, hiking, Hunting, Fishing or Camping or broken down out in the boonies. This is one of those products that is "better to have it, and not need it" than to "need it and not have it". This is a MUST HAVE item, that everyone should have at home, in the car, boat, RV and OTV. These items cost so little, and can save so much it doesn't make sense not to stock up and BE PREPARED!
Product Features:
BRIGHT ORANGE WHISTLE, AND COMPASS
WATERPROOF STORAGE COMPARTMENT FOR MATCHES
SIGNAL MIRROR
LANYARD
ASIN: B002OEKU0A
Item model number: SSP457Thanks Mark
Sports & Outdoors Deals

Amazon Coupons
Advice Requested: Insurance or Repair (pics included)
Added on : Thursday July 18th 2013 01:00:08 PM
g: 1 Posted By: Horseymen
Views: 180 Replies: 0 I appreciate any thoughts/help that can be provided.I consider myself a home improvement rookie. It's just not my thing. One of the more embarrassing moments in my life was trying to put together an Ikea TV stand for 45 minutes, and my wife got frustrated, took it away from me and finished it in 7 minutes. This kind of stuff just isn't where my brain is powered. If you have technical comments, please understand I won't understand most of what you're saying, so talk in small words. I have had a bathroom leak for about a year. Everyone keeps giving different advice. About 6 months ago, I had someone come out, say it was a caulking issue, recaulked the shower, it slowed down (so I thought).About 2 months ago, my wife went into the closet where she keeps all the shoes that she never uses, picked up a shoe and saw the bottom shelf of the closet was loaded in mold. Clearly the caulk kept whatever the source of the leak was from coming into the tile - and it went into the wall and took care of that. We removed the bottom panel (where all the mold was) which then allowed for water to quit soaking into the wood - and move closer to saturating the entirety of the carpet.About 3 weeks ago, we had a paraprofessional come out, look at it, take apart the shower and notice the drain pipe was completely busted. More than likely, some of the water when going down the drain was going out, had nowhere to go, so it, as water will do, went into the wall, out any area possible.So, this was fixed, drain pipe repaired, drywall repaired, new carpet put in the closet - all is good. Out about $1200 bucks.Fast forward to about 10 days ago when my wife noticed it was leaking again. This is where I look to the internet for advice, because I'm an idiot, and I've asked two professionals and have heard two different things.I have a coverage in my homeowner's insurance which covers slow leaks and the damage that has been done (and the repair) - it was an added coverage that I've had, so it's not a normal part - but something my insurance guy recommended.The deductible for homeowner's insurance is 1% - or in this case, about $4,000 dollars.I've had a general contractor come out and look at it and a plumber. General contractor says that this is a caulking issue, that it's not sealed, probably not the drain pan the way it's leaking, he would like to cut open the wall and check it out more (but there's a cost involved with that) - but the issue is more likely with shower door/shower pan than an incorrectly installed drain pipe - and likely drain pipe was a big part of the issue, but those other issues went unfixed and contributed to it anyway - and suggested a master painter who had superior silicon caulking experience.I've had a plumber come out, and tell me 10 different things it could be, but he wouldn't even give an estimate until he could demo everything and pull the shower out. He said it would likely require tile damage to see everything. He estimated about a day of labor before even beginning to diagnose it, but "it likely would not be more than the insurance claim"So therein lies my quandry.If I go with insurance, then my max out of pocket is capped at $4,000, but I will likely see insurance hikes, but I assume there would be some sort of warranty that the problem WILL be fixed, and if it came back 2 weeks later, it would be fixed again?If I go with either of the other options, if they get in there and discern it's bad, then I'm out that money PLUS insurance cost, but there's also a chance it's a $1000-$1500 dollar fix (less than $4000) - and no insurance hike.I'm already out $1200 fixing it once (but clearly not having it fixed - since the problem cropped back up a few weeks later)I've attached three pictures.Picture A is just a general view of the shower.
Picture B is a view of the wall where the water is likely eating up in there and settling - also, you can kinda see the corner caulk where the leak comes from under the shower.
Picture C is the other side of the closet where the water is coming in through the wall.Anyone with thoughts/ideas/advice? For what it's worth, this is not a house we plan on staying in for much longer (maybe 1 year or so) - but it is something that clearly needs to be fixed.This also isn't something where I have my mind made up which way I want to go so I will be defensive to everything said. I honestly don't know which way would be best. Part of me values getting it done without dealing with insurance, but the home improvement novice likes the "this will cost no more than $4,000 no matter what, and it's guaranteed to be fixed." - $4,000 would be a big chunk of cash for us, but we do have it in an emergency fund.
Personal Finance Deals
Rear Ended by Commercial Truck
Added on : Wednesday July 17th 2013 04:00:12 PM
g: 0 Posted By: jaegermister2354
Views: 0 Replies: 0 We were at a complete stop(traffic suddenly came to a halt due to a car infront) when a commercial truck driver rear-ended us, causing our prius to be totaled. I was driving, and escaped unhurt. My wife and 4 yr child were sitting behind. Wife had a couple of stiches(emergency room) and my daughter escaped unhurt. My wife's vertigo problem has come back because of the accident. What is a reasonable settlement amount to expect? They are offering $5000 and value of the car.Thanks
TomTom XL 340 4.3in Automotive GPS Receiver $54.95 inc. shipping
Added on : Wednesday July 17th 2013 03:00:03 AM
TomTom XL 340 4.3in Automotive GPS Receiver $54.95 inc. shipping from CowBoomhttp://www.cowboom.com/deal-of-the-day.cfm
Condition: New What's in the box?
Tomtom Xl 340 4.3" Touchscreen
Easy Port Mount
USB Cable
DC Adapter
Adhesive Disk
Software
Owners Manual
TomTom XL 340 4.3in Automotive GPS ReceiverSpecifications
Product Type GPS receiverGPS System
Recommended Use Automotive
Connectivity USB
Voice Navigation instructionsAntenna Built-in
Features Built-in speaker, speed limit warning, 2D / 3D map perspective, TMC (Traffic Message Channel) ready, downloadable POIs, preinstalled POIs, automatic routing, IQ Routes technology, TomTom Map Share technology, TomTom QuickGPSfix, Advanced Lane Guidance, Plug go, Emergency HelpNavigation
Trip Computer Quickest route, fast/short route, street address searchBuilt-in Display
Type TFT - widescreen
Resolution 480 x 272
Diagonal Size 4.3"
Display Illumination Yes
Color Support Color
Display Menu Language Danish, Hungarian, Czech, Slovak, Flemish, English, German, French, Italian, Norwegian, Portuguese, Polish, Finnish, Swedish, Spanish, Dutch, Turkish, Latvian, Lithuanian, Estonian, Catalan
Features Touch screen, anti-glareConnections
Connector Type USB TMCBattery
Battery Enclosure Type Internal
Included Qty 1
Technology Lithium ion
Run Time (Up To) 3 hour(s) Dimensions
Width 4.7 in
Depth 0.9 in
Height 3.2 in
Weight 7 ozMFG: TOM TOM INCORPORATED
MFG Part: XL 340 GPS
CowBoom Coupons
Is travel insurance worth it?
Added on : Monday July 15th 2013 11:00:07 AM
I'm considering getting travel insurance, but is it worth it? Here's one site (http://www.worldnomads.com) that offers travel insurance for a US citizen for 3 months worldwide at about $187 USD.Emergency medical: $100k
Hospital room/board: $50/day
Mental: $250
Emergency Evacuation: $300k
Security Evacuation: $300k
Trip Cancellation: $2500
Trip Interruption: $2500
Baggage loss: $1000
Baggage delay: $750
Accidental Death & Dismemberment: $5000
------------------
3 month coverage: $187 totalI've never purchased travel insurance. Is it a common thing to do? Is this stuff even useful?
Refurb Garmin Nuvi 50LM 5-inch GPS via Garmin via eBay $69.99 FREE SHIPPING50LM GPSOverview
In the Box
Store Policies
With a big 5" (12.7 cm) touchscreen, more than 5 million points of interest (POIs) and spoken turn-by-turn directions, nvi 50LM makes driving fun again. Plus, with FREE lifetime map updates, you always can keep your roads and POIs up to date.Choices
Get Turn-by-turn Directionsnvi 50LMs intuitive interface greets you with 2 simple choices: Where To? and View Map. Touch the screen to easily look up addresses and services and to be guided to your destination with voice-prompted, turn-by-turn directions that speak street names. It comes in 2 mapping versions and has preloaded maps for the lower 48 states plus Hawaii and Puerto Rico, or full coverage of the U.S. and Canada. nvi 50LMs speed limit indicator shows you how fast you can go on most major roads. With its Where Am I? emergency locator, you always know your location. It also comes preloaded with millions of POIs and offers the ability to add your own.Enjoy FREE Lifetime Map UpdatesWith FREE lifetime map updates, you always have the most up-to-date maps, POIs and navigation information available at your fingertips. Map updates are available for download up to 4 times a year with no subscription or update fees and no expiration dates.Know the Lane Before Its Too LateNow theres no more guessing which lane you need to be in to make an upcoming turn. Available in select metropolitan areas, lane assist with junction view guides you to the correct lane for an approaching turn or exit, making unfamiliar intersections and exits easy to navigate. It realistically displays road signs and junctions on your route along with arrows that indicate the proper lane for navigation.If you purchase a nMaps Lifetime subscription (sold separately or bundled together with certain GPS models), you will receive up to 4 map data updates per year, when and as such updates are made available on Garmins website, for 1 compatible Garmin product until your products useful life expires or Garmin no longer receives map data from its third party supplier, whichever is shorter. A products useful life means the period during which the product (a) has sufficient memory capacity and other required technical capabilities to utilize current map data and (b) is capable of operating as intended without major repairs. A product will be deemed to be out of service and its useful life to be ended if no updates have been downloaded for such product for a period of 24 months or more. Unless otherwise stated, the updates you receive under the subscription will be updates to the same geographic map data originally included with your Garmin product when originally purchased. In some instances, your Garmin product might not have sufficient memory remaining for you to load an update to the map data, in which case you will need to either (a) select reduced map data coverage for your updates, or (b) purchase separately a microSD/SD card (if and as applicable to your Garmin product) and load all or a portion of the map data coverage for your updates to the card and insert the card into the microSD/SD card slot contained in your Garmin product. If neither of the measures in (a) or (b) can be used to address your products lack of sufficient remaining memory, then Garmin may conclude that the useful life of your product has expired. Garmin may terminate your nMaps Lifetime subscription at any time if you violate any of the terms of this agreement or your subscription. Your nMaps Lifetime subscription may not be transferred to another Garmin product.
Cell Phone Options
Added on : Friday July 12th 2013 02:00:05 PM
After hanging with my sero since forever, it may have come time to bid goodbye unless there are some good optionsI have a touch pro 2 and went through 3 phones that died on me in the last 3 years..LG lotus, Touch pro and Touch Pro2 todayI am on the 30$ plan that gives 500 min anytime, unlimited text and unlimited internetI definitely need the 500 mins but can live with a 100 text and some level of internet access in a emergency since I have an iPhone provided by work that serves well for emergencies as wellWhat are my options here?I would love to stay with Sero but Tp2 seems to be the only one and I need a phone that is reliableTIA
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?
get the Safeflare handheld 9 LED emergency flare light for only $6 with no shipping charges from http://outdoors.dailysteals.com

waterproof
floating
magnetic base
200-hour battery life
Item #5453X
http://www.sierratradingpost.com
eGear Deluxe Survival Kit TextCLEARANCE: $11.00
Compare at $36.99
Save 70%
Shipping Estimate: $5.95 loseouts. Ensure a safe return home anytime you head into the backcountry by packing eGear's Deluxe survival kit, which includes wilderness survival essentials like a fire starter, fire sticks, emergency blanket and map compass. Survival gear comes in a zip case with a removable carabiner
Kit includes:
Mirror: 4-1/2x2-3/4", composite
Map compass: 3-1/2x2-3/8", composite
Fire starter with striker: 1x3", magnesium and steel
Fire sticks (12 ea): 1/2x5", wood and parafin wax
Poncho: One size fits all, 80" long, composite
Emergency blanket: 52x83", mylar
Survival towel: 13x22", microfiber
Bug net: length 18", mesh
Para cord: 1/4"x45', polyester
Light sticks 3/4x6", composite
Duct tape: 2x71"
Made in China
Sierra Trading Post Coupons
Aimpoint Pro Red Dot Optic Sight $356.99 SHIPPED
Added on : Thursday July 04th 2013 12:00:03 AM
LAPOLICEGEAR.COM Use Discount Code:JULY2013I've been watching these closely and this is about as good as it gets price wise. Mine already shipped!I believe there is tax in CA, then again only criminals are allowed to own guns in California now. 
Aimpoint Patrol Rifle Optic (PRO) is designed with input from a distinguished group of current and former professionals, the Patrol Rifle Optic incorporates many never before seen features to maximize this sight's performance within the challenging conditions faced by modern law enforcement. A hard-anodized 30mm tube was utilized, enclosing a high efficiency circuit that allows the sight to be turned on and left on for up to three years using a single battery.The front lens utilizes a unique band-pass coating, which allows the sight to be used with all generations of night vision devices. The modular QRP2 mount includes a removable spacer that indexes the sight at the optimal height for co-witness with the standard iron sights on AR15/M16/M4 Carbine style weapons. This spacer can be removed to enable the use of the sight on police shotguns or sub-machineguns. The QRP2 mount also incorporates a torque-limiting twist knob that provides the optimal level of pressure on the rail while completely eliminating the possibility of over-tightening. Both the front and rear lenses are recessed within the sight body to provide protection against impact damage, scratches, and fingerprints.Flip covers are included to further protect the lenses, and a transparent rear lens cover is utilized allowing the user to engage a target with the lens covers closed in an emergency situation. A two Minute of Angle (2 MOA) red dot is utilized to allow maximum accuracy at all distances and under all environmental conditions.Unique features for the Aimpoint PRO Patrol Rifle OpticAlways ready - always on. Turn it on for up to 3 years using one single battery. No need to fumble with switches prior to use.
2 minute of angle red dot for accurate target engagement at all distances.
In service date and battery change date reminders makes inventory tracking and maintenance easy.
Enhanced speed on target and increased first shot hit probability when compared to iron sights and magnified scopes.
Compatible with all generations of night vision devices and may be used with Aimpoint 3X Magnifier and Concealed Engagement unit.
Hard anodized aluminum alloy housing. Rugged enough for real world conditions and waterproof to 150 feet.
Threaded front lens opening allows use of screw-in anti-reflection device (ARD).
Front and rear flip covers keep lenses clean.
Transparent rear flip cover allows use of the sight (with both eyes open) even with both covers closed in an emergency.
Battery and adjustment cap retainer straps means you will never lose your pieces.
Modular mount set up for use on flat-top AR15, M4 Carbine and M16 rifles. (Adapter available for carry handle mounting)
Removable spacer. Remove for use on shotguns and sub-guns.
QRP2 rail grabber mount. Snap knob three times for a perfect mount. Will not deform your rail like many other mounts.
Recessed lens openings helps prevent against impact damage, fingerprints and scratches.Applications: Law Enforcement carbines, rifles, shotguns and submachinegunsGENERAL DATAArticle number12841
TechnologyACET (Advanced Circuit Efficiency Technology)
Working principleReflex collimator sight - red dot sightOPTICAL DATALightsourceLED (Light Emitting Diode) totally eye-safe
Lightsource wavelength650 nm red light
Red dot size in MOA (minute of angle)*2
ParallaxAbsence of parallax -
No centering required
Eye reliefUnlimited
Night vision compatibilityYes
Anti-reflex coating all surfaces & multi-layer coating objective lensYes
MagnificationNo magnification (1X)ELECTRONIC DATABatteryOne 3V Lithium battery (not included), type 2L76 or DL1/3N
Battery life in hours **30 000 (over 3 years of continuous use)
Dot intensity adjustmentManual rotary switch
Daylight (DL) settings6 DL of which one extra bright
NVD settings4 NVDMECHANICAL DATAMaterial housingHigh strength aluminum
Surface finishHard anodized, matte
Color housingBlack
Adjustment 1 click13mm at 100m, (1/2 at 100yds)
Mounting methodsQRP2 mount for M1913 atandard Picatinny rail, and spacer for AR15/M4 carbine applicationENVIROMENTAL DATATemperature range-45 - +71 C, (50- +160 F)
Water resistance - submersible to45m, (150ft)
Radioactive components usedNoneDIMENSIONSLength130mm, (5.1)
Width/height sight only55 x 55mm, (2.2 x 2.2)
Maximum ring width30mm, (1.18)
Ojbective diameter38mm, (1.5)
Tube diameter30mm, (1.18)
Weight sight only220g, (7.8oz)****
Weight sight with integrated mount11.6 oz including mount and spacer* 1 MOA 30 mm at 100 meters 1 at 100 yards.
** at room temperature & at setting 7 out of 10.
Specifications are subject to change without notice.
LINKPrice: $6.71

Note: Free shipping when purchased from tech360cc. Offers with free Prime shipping available in more buying choices.
In Stock.
Ships from and sold by tech360cc.
ULTRALIGHT at 3.9oz packed in case
High quality construction!
PIEZO ignition
Adjustable flame Product Description
Ultralight backpacking camp stove, weighs only 3.9oz packed in the case! This is a great stove. You get a ultralight canister stove, WITH PIEZO IGNITION, that folds into its protective case, and weighs only 3.9oz. This stove is built very well! Quality construction and materials are at work in this stove. I guarantee you will be happy! These stoves wok with any screw top butane / propane canisters, available just about anywhere, MSR, coleman, camping gaz, etc. This stove will also simmer. It has a fully adjustable flame! This really is an impressive stove. When I got these in I was expecting something much cheaper, I am totally impressed with this little guy. These would make great primary stoves, back up stoves, emergency, spares, Boy Scout troops etc etc endless possibilities!
Amazon Coupons
Slime Super Duty Tire Sealant 16oz for $5.29 at Sears + 5% Cash Back and free store pick upDeal of the DayRegular price listed as $10.49Nice to have on hand for emergency situations.Slime Link
Sears Coupons
HSN Free Tumbler and possibly $1000 or $500 gift card if interested in a Toyota Camry/Prius/Rav4
Free tumbler and offer to save $500 to $1000. HSN today only. Details and link below. Limit 2 per addresshttp://www.hsn.com/content/Toyota/78
FREE Camry/Prius $1000 Offer Packet
Take advantage of an offer made exclusively to HSN customers. Today only, order this free item. Then when you buy or lease a new 2013 or 2014 Toyota Camry or Prius, you will qualify to receive $1,000 in gas cards. You must order this item and keep the order summary to be eligible.What You Get
2013 Toyota vehicles brochure
Offer instructions certificate
16 oz. Toyota/HSN plastic tumbler with straw
Offer Details
This free item is available only on 6/29/13
Customers who order this free item on 6/29/13 and purchase or lease the vehicles listed below by 9/30/13 will receive $1,000 in gas cards
Limit 2 per customer. Any orders over 2 will be cancelled.
Delivery direct not available for this item.
Customer must keep Order Summary receipt to be eligible for this offer
Only eligible for continental United States and Alaska. Hawaii and other U.S. Territories are not able to order.
Submissions must be received by HSN by 10/31/13
Full terms and conditions are included on the offer instructions certificate
List of Eligible Vehicles
2013 Prius Liftback
2013 Prius c
2013 or 2014 Prius v
2013 Prius Plug-in
2013 or 2014 Camry Hybrid LE
2013 or 2014 Camry Hybrid XLE
2013 or 2014 Camry L
2013 or 2014 Camry LE
2013 or 2014 Camry SE
2013 or 2014 Camry XLEFREE RAV4 $500 Offer Packet
Take advantage of an offer made exclusively to HSN customers. Today only, order this free item. Then when you buy select Genuine Toyota Accessories for a 2013 RAV4, you will qualify to receive up to $500 in gas cards. You must order this item and keep the order summary to be eligible.What You GetToyota RAV4 vehicles brochure
Toyota RAV4 accessories brochure
Offer instructions certificate
16 oz. Toyota/HSN plastic tumbler with straw
Offer Details
This free item is available only on 6/29/13
Limit 2 per customer. Any orders over 2 will be cancelled.
Delivery direct not available for this item
Customers who order this free item on 6/29/13 and purchase select Genuine Toyota Accessories (listed below) for a 2013 RAV4 by 9/30/13 receive up to $500 in gas cards, equivalent to the verified amount paid for the accessories including labor and applicable sales tax
Offer valid only on 2013 RAV4 Genuine Toyota Accessories listed below and purchased from an authorized Toyota dealer in the United States
Only eligible for continental United States and Alaska. Hawaii and other U.S. Territories are not able to order.
Customer must keep Order Summary receipt to be eligible for this offer and have a photocopy of Toyota Bill of Sale showing qualifying Toyota accessories were purchased
Submissions must be received by HSN by 10/31/13
Full terms and conditions are included on the offer instructions certificate
List of Eligible Toyota Accessories
Roof Rail Cross Bars for XLE and Limited Models
Roof Rails with Cross Bars for LE Models
Shift Knob
Body Side Moldings
Door Edge Guards
Running Boards
Mudguards
Alloy Wheel Locks
Door Sill Applique
Front Floor Lighting Kit
All-Weather Floor Mats
Cargo Net Hammock
Cargo Net-Envelope
Cargo Tote
Cargo Cover
Cargo Tray
Ashtray Cup
Emergency Assistance Kit
First Aid Kit
VIP (Vehicle Intrusion Protection) Security RS-3200+
Remote Engine Starter
Thanks to stevieboy628p the OP SD
HSN Coupons
Overtime tax question
Added on : Wednesday June 26th 2013 10:00:08 PM
long story short, I get paid bi-weekly and work at a freestanding emergency room that has 3 locations. I normally work at just one but recently i picked up three 12 hour shifts at a different facility. though they share the same timecard, they issue seperate checks for each location. So my checks look something like this...36 hour regular x 13.87 = 499.32and at my usual location..44 hours regular x 13.87 = 610.28
42 hours overtime x 20.81 = 874.02incase you are wondering how i have 44 regular, its because like i said its a running timecard, just seperate checks.so its like i worked 80 hours one week, and none the next. QUESTION is....is this beneficial to me? I should get more money back this way versus all of the hours being on the same check.
http://www.meritline.com/brightness-rechargeable-leds-emergency-...
Meritline.com Coupons
TextJillian Michaels - 30 Day Shred (2008)
Format: DVD
4.6 out of 5 stars See all reviews (3,982 customer reviews) --------------------------------------------------------------------------------
List Price: $14.98
Price: $7.69 & FREE Shipping on orders over $25. Details
Deal Price:
You Save: $7.29 (49%)
In Stock.
ASIN: B00127RAJY http://www.amazon.comProduct Description
Jillian Michaels is TV's toughest trainer, but she is committed to getting big results. As your own personal trainer, Jillian will guide you through her exclusive 3-2-1 Interval System that combines strength, cardio and abs to blast through calories for a dramatic 30 DAY SHRED. The program includes three complete 20-minute workouts which progress by level of intensity. Start with Level 1 and advance through Level 3 in no time you'll achieve a lean, shredded body.

TextProvida Six Week Body Makeover Kit; Weight Loss Program
ASIN: B000UU6H7U $59.90 + $4.99 shippingMichael Thurmond's Six Week Body Makeover kit DVD version from Provida. Here's what's in the kit: 1. Custom Eating Plan (several pages with a black binder to organize it all). 2. Infinite menu planner. 3. Dining out guide. 4. Makeover meals recipe cards. 5. Personalized 18-minute body scuplting program. 6. Body Sculpting Band. 7. DVD: Precision Body Sculpting. 8. CD: In Case of Emergency. 9. CD: The Science of Eating More and Exercising Less. 10. CD: Unleashing your Body's Fat-Burning Potential. 11. DVD: Quick Start. 12. DVD: 6 Day Mini-Makeover (Lose a dress size in 6 days). 13. Help when you need it support package with free membership. 14. Quick Start Program "Find out what foods cause your body to lose weight". 15. Quick Start Program "Blueprinting your body step by step"TextThe Biggest Loser: The Workout - Boot Camp (2008)List Price: $14.98
Price: $4.80 & FREE Shipping on orders over $25. Details
Deal Price:
You Save: $10.18 (68%)
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In Stock.  Product Description
Just like the contestants on NBC's hit show, you too can rev up your fat-burning furnace and experience dramatic weight loss in less time. Join "The Biggest Loser" trainer, Bob, and show contestant winners and finalists for a 6-8 week program that beats the bulge one intensity level at a time. Begin with Boot camp 1 and as you improve, add on Boot camps 2 and 3 for a powerful workout that challenges every muscle with dynamic moves designed to give those unwanted pounds the boot! WARM-UP (5 Minutes): Prepare your body for boot camp with athletic conditioning moves that get the heart pumping and the muscles warm. LEVEL 1 (Weeks 1 and 2) -Boot camp Level 1 (20 Minutes): Bob turns on the burn with upper- and lower-body strength intervals, then revs your metabolism with calorie-crushing cardio. LEVEL 2 (Weeks 3 and 4) - Boot camp Level 2 (15 Minutes): Pick up the pace and drop the pounds with Bob's innovative power moves that integrate fat-blasting bursts of cardio. LEVEL 3 (Weeks 5 and 6) - Boot camp Level 3 (10 Minutes): Challenge your balance and fine-tune your physique using bands and weights to further chisel your newfound muscle. COOL-DOWN (5 Minutes): Reward and energize your body with athletic and yoga-inspired stretches that soothe tight muscles and improve posture.
Amazon Coupons
Posting this as a throwaway since I've got details I'd rather not link to my main account.Here's my situation:
+ Got married a few years ago and my wife had an investment account from her parents with ~$100k saved up. It's in a S&P 500 index fund at the time.
+ I've got quite a few student loans, most of which were subsidized, fortunately, so not a lot of interest has built up on those yet--they're at 6.8%.
+ I've just started my working career at an entry-level salary (40-50k), and my job offers a 401k, but no matching.
+ We are renting a place and do not own a home, but we own both of our cars outright.
+ No credit card debt.
+ Really not much of an emergency fund or extra in savings.My question is this: we've got full access to the investment account funds--would we be better suited to use those for something else right now? We don't really have much room in our budget for contributing to a Roth, but I figured it might make a good amount of sense for us to transfer some of those funds to max out Roth accounts for us (my tax bracket should definitely be going up by the time I retire). Should we also transfer some into a money market account for an emergency fund, or should we try to set up an emergency fund by slowly saving up with a percentage of my income?Should I just hire a financial advisor who would better be able to look at our specific details?Thanks!
With a big 5" (12.7 cm) touchscreen, more than 5 million points of interest (POIs) and spoken turn-by-turn directions, nvi 50LM makes driving fun again. Plus, with FREE lifetime map updates, you always can keep your roads and POIs up to date. This is a factory refurbished model.Click here:
Garmin 50LMDetailed Description
(Manufacturer # 50LM NOH ) Features
Get Turn-by-turn Directions
nvi 50LMs intuitive interface greets you with 2 simple choices: Where To? and View Map. Touch the screen to easily look up addresses and services and to be guided to your destination with voice-prompted, turn-by-turn directions that speak street names. It comes in 2 mapping versions and has preloaded maps for the lower 48 states plus Hawaii and Puerto Rico, or full coverage of the U.S. and Canada. nvi 50LMs speed limit indicator shows you how fast you can go on most major roads. With its Where Am I? emergency locator, you always know your location. It also comes preloaded with millions of POIs and offers the ability to add your own.
Enjoy FREE Lifetime Map Updates
With FREE lifetime map updates, you always have the most up-to-date maps, POIs and navigation information available at your fingertips. Map updates are available for download up to 4 times a year with no subscription or update fees and no expiration dates.
Know the Lane Before Its Too Late
Now theres no more guessing which lane you need to be in to make an upcoming turn. Available in select metropolitan areas, lane assist with junction view guides you to the correct lane for an approaching turn or exit, making unfamiliar intersections and exits easy to navigate. It realistically displays road signs and junctions on your route along with arrows that indicate the proper lane for navigation.
Stay up-to-date on changing roads and POIs with FREE lifetime maps.
View routes on the big 5" (12.7 cm) touchscreen.
Look up addresses for over 5 million points of interest.
Hear spoken street names.
Know the lane before its too late with lane assist with junction view.
Keep out of trouble with the built-in speed limit indicator.
250pc Outdoor First Aid Kit $24.99 FS
Added on : Thursday June 13th 2013 05:00:03 AM
LINK
Compare $40.00
Was $29.99
Now $24.99 Free shipping with code BH951Includes:
Various sizes of gauze pads / rolls, exam gloves
Ointments and creams
Emergency whistle, water pouch, blanket, 12-hour "bright stick"
Scissors, splinter remover
Adhesive tape
Pain relief tablets
Comes in durable EVA carry case.
Bargain Outfitters Coupons
Garmin nuvi 50LM US 5.0 GPS Navigation System with Lifetime Maps via buydig via eBay $84.99Garmin 50 LMDetailed item info
Description
Now you can have the perfect ride without taking eyes off the road as the Garmin nuvi 50LM automotive GPS device gives you verbal turn-by-turn directions to your destination. This Garmin GPS receiver also comes with 5 million points of interest and also gives you the option to add more. With the emergency locator of this automotive GPS device, you will always know where you are. You can navigate unfamiliar intersections and exit with ease, thanks to the lane assist feature of this Garmin GPS receiver. What�s more, the Garmin nuvi 50LM has an intuitive interface and a 5-inch touchscreen for ease of operation.
Product Identifiers
Brand Garmin
Model nvi 50LM
MPN 010-00991-21, 100099121
UPC 0753759978938, 753759978945, 753759985141
Key Features
Usage Automotive Mountable
System Type Fixed, Portable
Screen Size 5"
User Interface Touch Screen
Display
Display Size 4.4 in. x 2.5 in.
Display Type LCD TFT Display
Resolutions 480 x 272
Technical Features
Features Calculator, Converter, Waypoint Icons
Audible Features Voice Navigation Instructions
Trip calculator Avoid toll roads, Lane Assist, Points-of-Interest (POI)
Battery
Battery Type and Quantity Rechargeable Li-Ion Battery
Battery Life 2 Hours
Dimensions
Height 3.4 in.
Width 5.5 in.
Depth 0.7 in.
Weight 0.39 lb.
Other Features
PC Interface USB
Expansion Slot Type micro-SD slot
Not sure about the warranty information. Cannot seem to find that information on the listing.
Garmin nuvi 50LM US 5.0 GPS Navigation System with Lifetime Maps via BuyDigs via eBay $84.99Garmin 50 LMDetailed item info
Description
Now you can have the perfect ride without taking eyes off the road as the Garmin nuvi 50LM automotive GPS device gives you verbal turn-by-turn directions to your destination. This Garmin GPS receiver also comes with 5 million points of interest and also gives you the option to add more. With the emergency locator of this automotive GPS device, you will always know where you are. You can navigate unfamiliar intersections and exit with ease, thanks to the lane assist feature of this Garmin GPS receiver. What�s more, the Garmin nuvi 50LM has an intuitive interface and a 5-inch touchscreen for ease of operation.
Product Identifiers
Brand Garmin
Model nvi 50LM
MPN 010-00991-21, 100099121
UPC 0753759978938, 753759978945, 753759985141
Key Features
Usage Automotive Mountable
System Type Fixed, Portable
Screen Size 5"
User Interface Touch Screen
Display
Display Size 4.4 in. x 2.5 in.
Display Type LCD TFT Display
Resolutions 480 x 272
Technical Features
Features Calculator, Converter, Waypoint Icons
Audible Features Voice Navigation Instructions
Trip calculator Avoid toll roads, Lane Assist, Points-of-Interest (POI)
Battery
Battery Type and Quantity Rechargeable Li-Ion Battery
Battery Life 2 Hours
Dimensions
Height 3.4 in.
Width 5.5 in.
Depth 0.7 in.
Weight 0.39 lb.
Other Features
PC Interface USB
Expansion Slot Type micro-SD slot
Not sure about the warranty information. Cannot seem to find that information on the listing.
WeatherHandler 75pc. Premium Auto Emergency Kit $17.99 @ Sears
Added on : Tuesday June 11th 2013 09:00:04 AM
get this handy WeatherHandler 75pc.Premium Auto Emergency Kit for a $9 savings. Kit comes with many of the essentials like jumper cables,flashlight, screwdriver kit, roadtriangle, and many others. Get it for only $17.99 at Sears or go to www.sears.com/weatherhandler-75pc-premium-emergency-kit/p-028072... to view this product. Good item for the price.
Sears Coupons
Power Advantage Emergency Road Side Kit @ Tiger Direct - $9.99
Added on : Saturday June 08th 2013 10:00:09 AM
0 Posted By: FatWalletTopDeals
Views: 398 Replies: 1

Power Advantage Emergency Road Side Kit @ Tiger Direct - $9.99
was $49.99
Shipping adds $0.99

Kit Includes:
30 Piece Kit, Jumper Cables, Phillips and Flat Screwdrivers, Protective Gloves, Tire Pressure Gauge, Electrical Tape
(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Tiger Direct Coupons
WeatherHandler 75pc Emergency Kit ($15.99 was $29.99) @ Sears
Added on : Tuesday June 04th 2013 10:00:04 PM
With 365 days of Roadside Assistance, Up to 3 service callsReg Price: $29.99 http://www.sears.com/shc/s/p_10153_12605_02807201000PThe WeatherHandler Emergency Kit is stocked full of helpful aids for a roadside auto emergency
Premium kit comes with 365 days of Roadside Assistance, at no cost. Up to 3 service calls with a maximum of benefit allowance of $60 per incident
8 ft., 8-gauge Booster Cables meet SAE performance standards
Reflective triangle and signal cone keep other cars away
Flashlight, ratchel handle, 10-pic socket and 10-pc screwdriver are perfect for small repair jobs
Safety vest, knit gloves and emergency poncho for all weather conditions
16 assorted cable ties
Emergency water bag
S.O.S. banner
25-pc first aid kit
Carrying case
Sears Coupons
With 365 days of Roadside Assistance, Up to 3 service callshttp://www.sears.com/shc/s/p_10153_12605_02807201000PThe WeatherHandler Emergency Kit is stocked full of helpful aids for a roadside auto emergency
Premium kit comes with 365 days of Roadside Assistance, at no cost. Up to 3 service calls with a maximum of benefit allowance of $60 per incident
8 ft., 8-gauge Booster Cables meet SAE performance standards
Reflective triangle and signal cone keep other cars away
Flashlight, ratchel handle, 10-pic socket and 10-pc screwdriver are perfect for small repair jobs
Safety vest, knit gloves and emergency poncho for all weather conditions
16 assorted cable ties
Emergency water bag
S.O.S. banner
25-pc first aid kit
Carrying case
Putting 10% down when I have 20%? Help me do the math.
Added on : Tuesday May 28th 2013 09:00:06 AM
I'm in the market for a house, and I'm trying to figure out my strategy for the downpayment. I think that putting 10% down instead of 20% down could give us flexibility, and help extend our cheap credit even further. I bow to the FW gods to help validate / invalidate / fine tune my approach.max house price $450,000
10% down is 45,000
Estimated $145 / month pmi payment
145*12=$1740 in pmi payments yearly1740/45000 = 3.8% That is what the 45k would have to earn to break even. If I'm somehow unable to earn that, then I could just put that money towards the mortgage and be done with this experiment.I know that there is also a difference in the total amount of interest paid, but I'm taking the long view on this. I'm looking at it as taking as long as possible to pay back money at 3.5(ish)% while my money is hopefully earning more than that elsewhere. My fiancee and I are both good savers, and we have no chance of squandering the downpayment. I also view this as a possible hedge against a sudden job loss, since the money that would have gone into the downpayment can act as a second emergency fund.Fatwalleteers, is there anything that I have overlooked? Does it make sense to pay 10% down when I have 20%? I'd love to hear your thoughts.
ETL SecureLogic Mail Vault $199.99 costco.com
Added on : Saturday May 25th 2013 06:00:03 PM
http://www.costco.com
Text
Home
Patio, Lawn & Garden
Garden Center
Outdoor Dcor
ETL SecureLogic Mail Vault
Features: Electronic Lock with Pole Included, Available in Black, White or TanYour Price$199.99

Shipping & Handling included *
* Options:
* Select ColorBlack Light Brown White 
The estimated delivery time will be approximately 5 - 7 business days from the time of order.Secure Logics line of Secure Mail Vaults are uniquely designed and approved by the U.S.P.S. to protect your incoming mail from opportunists, lurking and preying on your personal information.Constructed of 14-gauge steel for maximum strength and durability, the Secure Mail Vault is a state of the art mail storage device. In addition, its Seamless.com construction makes it tamper proof. The powder-coated finish gives it additional strength and protection from the elements.Most mailboxes, believe it or not, are NOT CERTIFIED by the U.S.P.S. to be placed on your curb for mail delivery. The Secure Mail Vault is not only certified and approved by the U.S.P.S. but it is also designed after the Postal Service drop boxes we are all so familiar with. Never forget your keys again! The Secure Mail Vault delivers a revolutionary new electronic keypad. Its state of the art design allows only YOU access when you need it.Features: Truly secure mailbox: Protects incoming mail, personal privacy and identity with easy to use electronic touch pad entry system
Built to withstand tampering: Constructed of 14-gauge steel for maximum strength and durability
Touch pad entry system: Allows the homeowner to program up to two unique codes from one to eight digits in length
Recessed inner door: Interior door sets back two inches and is secured by two dead bolts
Powder coated: Coated inside and out insuring maximum protection and "like new" finish for many years
Dual door system brings maximum protection: Outer door is utilized by the postman for out-bound mail pick-up, closes solidly with a rare earth magnet
Imaginative design with durable function: Unique style provides a handsome first impression to any home Dimensions:
Overall: 12-3/8" x 18" x 21"
Outer Door: 10-3/4" x 7-5/8"
Keypad: 4-1/4" x 3-7/8"
Compartment: 10-3/4" x 8-1/4" x 18"
Mail Slot: 10-1/2" x 2-3/4"Contents Include:
(1) Secure Mail Vault and Post
(1) Flange
(4) Mounting Bolts
(1) Set Screw 5/16"
(1) Emergency Battery Supply
(1) Positioning Ruler
(1) Adhesive Bubble Level
(2) Allen Wrench
(2) Keys
(1) Post Reinforcement Bar 8"
(1) Cap Head Bolt 4"
http://www.amazon.com/dp/B000GCRWCG
Amazon Coupons
I am a college student, but have managed to save up several thousand dollars. I want to set aside about two thousand so that it can grow and add money to it whenever I can. This isn't my emergency fund, and I am willing to be exposed to some risk. After doing some reading, I think that an ETF or Mutual fund would my best bet. I dont have enough money or interest to invest in stocks, and I think (correct me if I am wrong) I can expose myself to more risk then CD's, and bonds.I started looking at mutual funds, and it was difficult to find one that out preformed the S&P 500. Since Mutual funds charge anywhere between 0.5 to 2 percent a year to be managed, that takes a chunk out of my money. The only benefit I can see of having a mutual fund is that since its managed, it could prevent me from losing less if something goes wrong. However, I'm not even sure about that. Learning that only 11 percent of Mututal funds outpreformed the S&P 500, I decided to look at an ETF that tracks it. If I buy SPY, which just tracks the SP 500, it will preform better then mutual funds, pay dividends, and charge less for management.Is this good reasoning? I realize that the S&P 500 is at all time high, but Goldman Sachs predicted it would continue to grow to steadily grow till 2015. My other reasoning was that even if it took a dip, its bound to go up again in the long term (3-5) years. Also, I signed up for E*Trade after reading some good reviews of it. I couldn't find anything that was wrong with it, anything I should be looking out for?
Swedish family stranded in Los Angeles after high change fee
Added on : Monday May 20th 2013 07:00:03 PM
http://www.dailynews.com/news/ci_23275734/stranded-swedish-famil...Here's the Sheriff's press release:Stranded Swedish family of 7 heads back to Sweden, Assisted by LASD Carson & RFB
On Friday, May 17, 2013 at approximately 4:30 a.m. a Swedish family of 7 were walking West Bound on Sepulveda Blvd, approaching Normandie and the 110 Freeway. A local citizen called Carson Sheriff's station and indicated that a male with the family was asking for help near the 900 block of West Sepulveda Blvd. Carson Sheriff's Deputies responded and made contact with the family and transported the family to the Carson Sheriff's Station. Caslav (Father), Alexander (Mother), and their two ten year old twins, 14 year old daughter, 17 year old daughter and 2 year old daughter were extremely upset and unable to communicate with Deputies because of a language barrier. Reserve Forces Bureau Sgt. Britta Kjellstrand, who speaks Swedish, responded to Carson Station and interpreted for the family and was able to find out that the family had traveled from Sweden for a family graduation. Sgt. Kjellstrand spent over 3 hours talking to the Trandafilovic family and gave them "good old American" hamburgers and fries that afternoon. The Sheriff's Department assessed that the family were not victim's of crime, however had depleted their whole financial savings on return trip tickets back to Stockholm, Sweden due to a family emergency. They had travel arrangements back to Sweden on Sunday, May 19, 2013 but had found themselves without a place to stay, food or money. Sgt. Kjellstrand reached out to Sheriff's Department Reserve Forces and was able to obtain funds for hotel accommodations, food and transportation to the airport for the family. Reserve Assistant Sheriff Jerry Goddard also contributed to the family to ensure their well being. Sgt. Kjellstrand and Reserve Assistant Sheriff Goddard transported the family to a local hotel in Carson, stayed in direct contact with them and made sure they were safe. The Trandafilovic family was exhausted after experiencing 5 days of travel, a time change, a family emergency, and no money. On Saturday, May 18, 2013 Sgt. Kjellstrand spent the afternoon with the family and had pizza with them as the kids swam in the hotel pool. On Sunday, May 19, 2013 at approximately 12:00 p.m. the Trandafilovic family were transported to LAX airport for their return to Stockholm, Sweden. "Helping this family was possible through the collaborative effort of the Sheriff's Carson Station, International Liaison Unit, Headquarters Bureau, and Reserve Forces Bureau. Being born a Swedish citizen and now an American citizen, I understand the Swedish culture and the difficulty that this family has endured, especially not knowing the English language. We were glad to be able to bring some security to a devastated family of seven through the kindness and generosity of others," said Sgt. Kjellstrand.
http://local.nixle.com/alert/5004138/
1 Posted By: FatWalletTopDeals
Views: 192 Replies: 1

Slime SS-PDQ/06 Smart Spair 15-Minute Emergency Tire Repair Kit @ Sears - $8.97
compare $30.99
Free In-Store Pick-Up


(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Sears Coupons
Hi all:I am new to the forum, although i have done some reading on here (still an obvious newb):So my story is I have just graduated with my MBA and will be starting a job in july (salary 107k, 10-15% bonus). So, as a 26 year old, i htink its time i start actively planning my money and funds. I guess I'll start with my monthly fixed expenses
Rent+utilities = about 1000 a month
Student loans (40k total)=around 500/month
Car insurance 65/month
Phone 110/month So thats around 1700/month fixed expenses
I figure (due to paycheck calculators) getting around 3k per check (2 a month) for 6k a month. The way I'd like to do this is to keep it to spending one check for expenses (so add food/entertainment to the 1700, i dont see myself spending 1300 on that a month though hah).So that leaves me with about 3k a month With this i have a few goals.Create a 6 month emergency fund (fixed expenses x 6=10,200)
Max out my 401k (employer matches 4% of pay so I would have to come up with about 12k/ a year)
Invest whats left over in an index fund or mutual fund (any advice here? I was thinking index fund as i am pretty risk averse and would rather have a consistent 3-5% return type fund that i add to as much as i can...Was thinking about a vanguard fund)NOTE: Bonuses will go for the most part into investing as well (should have 10-15k bonus this year and on)Lastly youl want to kill me here, but I really want an audi a5 in 2 years or so......now any saving for this will come from that 1300/month i have for variable expenses (save the money left over for this indulgence of mine)ANy thoughts, critiques? Thanks guys. Look forward to learning from you all
TAC6900 Sunburst 850 Lumens pocket-sized searchlight from Tactical Eagle (was $79.95) $39.95 + $7.00 flat rate shippinghttp://www.gearhog.com/Deal Overview
The TAC6900 Sunburst is a pocket-sized searchlight, and it also features a Tactical Strike Bezel that can be used as a last line of defense in an emergency situation. Its micro-textured reflector forms a smooth, far-reaching beam of light with a bright center area that can temporarily blind an assailant. Activation is simple--a necessity in a self-defense flashlight. Just cover the pushbutton tail cap switch with your thumb and press and release to activate. The TAC6900 Sunburst is made from high-strength aerospace aluminum. It also has a knurled midsection to guarantee a firm grip in all kinds of weather. The hard anodized body is designed for use under high-stress situations.Virtually indestructible LED emitter regulated to maximize light output and runtime
Precision micro-textured reflector creates smooth, optimized beam
Coated, tempered window resists impact and thermal shock, maximizes light transmission
Strike Bezel provides personal-defense option
High-strength aerospace aluminum body, hard-anodized for extreme durability
Tail cap click switch--click for constant on. Depress switch half way to change mode.
Five modes: High, Medium, Low, Strobe (Shock and Awe), S.O.S.
Weatherproof--O-ring sealed
Max Output -- White Light 850 Lumens
Tactical Runtime* 2 hours
Length 5 " inches
Bezel Diameter 1 " inches
Weight w/Batteries 5.2 ounces
Batteries 1 18650 or (2 CR123a)
For best performance we suggest a Panasonic high performance rechargeable 18650 battery.
*Runtime (at highest setting for multiple-output flashlights) until output drops below 50 lumensBatteries (Not Included)
Amazon Deal of The Day!GPS...Product Description
Edition: 5-Inch with Lifetime Maps
With a big 5 (12.7 cm) touchscreen, more than 5 million points of interest (POIs) and spoken turn-by-turn directions, nvi 50LM makes driving fun again. Plus, with FREE lifetime map updates, you always can keep your roads and POIs up to date.Get Turn-by-Turn Directions
nvi 50LM's intuitive interface greets you with 2 simple choices: "Where To?" and "View Map." Touch the screen to easily look up addresses and services and to be guided to your destination with voice-prompted, turn-by-turn directions that speak street names. It comes in 2 mapping versions and has preloaded maps for the lower 48 states plus Hawaii and Puerto Rico. nvi 50LMs speed limit indicator shows you how fast you can go on most major roads. With its "Where Am I?" emergency locator, you always know your location. It also comes preloaded with millions of POIs and offers the ability to add your own.Enjoy FREE Lifetime Map Updates
With FREE lifetime map updates, you always have the most up-to-date maps, POIs and navigation information available at your fingertips. Map updates are available for download up to 4 times a year with no subscription or update fees and no expiration dates.Know the Lane Before Its Too Late
Now theres no more guessing which lane you need to be in to make an upcoming turn. Available in select metropolitan areas, lane assist with junction view guides you to the correct lane for an approaching turn or exit, making unfamiliar intersections and exits easy to navigate. It realistically displays road signs and junctions on your route along with arrows that indicate the proper lane for navigation. FREE lifetime map updates entitle you to receive up to 4 map data updates per year, when and as such updates are made available on the Garmin website, for this specific Garmin product only until this products useful life expires or Garmin no longer receives map data from its third party supplier, whichever is shorter. The updates you receive will be updates to the same geographic map data originally included with your Garmin product when originally purchased. Garmin may terminate your lifetime map updates at any time if you violate any of the terms of the End User License Agreement accompanying your nvi product.
What's in the Box:
nvi 50LM
City Navigator NT data with preloaded street maps of the lower 48 states, Hawaii, Puerto Rico, U.S. Virgin Islands, Cayman Islands, Bahamas, French Guiana, Guadeloupe, Martinique, Saint Barthlemy and Jamaica
Lifetime maps (indicated by "LM" after model number on the box)
Vehicle suction cup mount
Vehicle power cable
USB cable
Quick start manual
Amazon Coupons
Best use of funds--debt payoff?
Added on : Wednesday May 15th 2013 09:00:05 AM
Looking for some FWF wisdom regarding my financial situation. I'm pretty confident in my ability to make sound financial decisions, but I like the idea of bouncing questions off the FWF collective of knowledge and hope to get some ideas of what I might be able to do differently.Age: 35, married, 1 kid (19 months), will probably make #2 around the end of the year. Retirement savings: $150k between my wife & I, mostly in Traditional IRAs & Traditional 401(k)/403(b) plans. $26k savings--I consider our emergency fund, would last about 9 months with no HHI.We stay in a house that the bank owns--bought in 2006, nearly no equity CMV ~ $250k. In 2009, I was able to get a HAMP loan modification which reduced the interest rate on our first mortgage to 2.25% for 5 years, in 12/2014 it will increase 1%, in 12/2015 another 1% an so on until it caps at 5%. Balance on that mortgage = $195k. We have a 2nd mortgage @ $47k that is fixed at 5%--also a modified rate, but fixed for the life of the loan. Car loan at 2.24%, $8,500 remaining. Student loan $12,000 at 2.875%. No credit card debt, we pay off a rewards card in full monthly.We have about $300-400 extra per month after contributing to our 401(k)/403(b)s (not maxing out--wife maxes match, I contribute above the match). I'm trying to figure out my best use of funds. I have been paying extra to the 5% second mortgage just because it has the highest interest rate and I would like to pay it aggressively so that I will be in a position to refi my mortgage at lower rates after the primary mortgage rate starts to increase. I'm tempted to pay off my car loan out of my emergency fund since I don't get jack for interest and I take some risk with the emergency fund--it's mostly in Fidelity ST Bond Fund (FSHBX), so if rates were to rise sharply, I could see some downside.What is my best use of funds? Continue to pay on the 2nd mortgage aggressively so I can be in a better position to refi? Pay off my car loan immediately and use the $220 not going to payments to add to paying off the 2nd mortgage faster? Squirrel away more in emergency savings in anticipation of child #2? The car is a 2009 Honda Accord, I'm not going to sell it any time soon. Drove my last car 11 years/190k miles and hope to do the same with this one.
Free TIKE bike safety seat sticker - email - Ohio only?
Added on : Wednesday May 15th 2013 02:00:16 AM
https://www.ohioinsurance.org/info/for-consumers/tike-sticker/TIKE is a child safety seat sticker that provides identifying information to emergency personnel should an accident disable the adults riding in the vehicle. The bright neon green sticker includes the childs emergency contact and medical information.
TIKE stickers are free and can be ordered by email from the Ohio Insurance Institute. Provide your mailing address, quantity requested and version(s) of the sticker with your email request.
*All we ask in return is that you like OIIs Facebook page.
maryb@ohioinsurance.org
Best use of funds?
Added on : Tuesday May 14th 2013 04:00:08 PM
Looking for some FWF wisdom regarding my financial situation. I'm pretty confident in my ability to make sound financial decisions, but I like the idea of bouncing questions off the FWF collective of knowledge and hope to get some ideas of what I might be able to do differently.Age: 35, married, 1 kid (19 months), will probably make #2 around the end of the year. Retirement savings: $150k between my wife & I, mostly in Traditional IRAs & Traditional 401(k)/403(b) plans. $26k savings--I consider our emergency fund, would last about 9 months with no HHI.We stay in a house that the bank owns--bought in 2006, nearly no equity CMV ~ $250k. In 2009, I was able to get a HAMP loan modification which reduced the interest rate on our first mortgage to 2.25% for 5 years, in 12/2014 it will increase 1%, in 12/2015 another 1% an so on until it caps at 5%. Balance on that mortgage = $195k. We have a 2nd mortgage @ $47k that is fixed at 5%--also a modified rate, but fixed for the life of the loan. Car loan at 2.24%, $8,500 remaining. Student loan $12,000 at 2.875%. No credit card debt, we pay off a rewards card in full monthly.We have about $300-400 extra per month after contributing to our 401(k)/403(b)s (not maxing out--wife maxes match, I contribute above the match). I'm trying to figure out my best use of funds. I have been paying extra to the 5% second mortgage just because it has the highest interest rate and I would like to pay it aggressively so that I will be in a position to refi my mortgage at lower rates after the primary mortgage rate starts to increase. I'm tempted to pay off my car loan out of my emergency fund since I don't get jack for interest and I take some risk with the emergency fund--it's mostly in Fidelity ST Bond Fund (FSHBX), so if rates were to rise sharply, I could see some downside.What is my best use of funds? Continue to pay on the 2nd mortgage aggressively so I can be in a better position to refi? Pay off my car loan immediately and use the $220 not going to payments to add to paying off the 2nd mortgage faster? Squirrel away more in emergency savings in anticipation of child #2? The car is a 2009 Honda Accord, I'm not going to sell it any time soon. Drove my last car 11 years/190k miles and hope to do the same with this one.
Schumacher Roadside Emergency Kit $25 @ Walmart
Added on : Tuesday May 14th 2013 03:00:04 PM
Get the Schumacher Roadside Emergency Kit for only $25 @ WalMart or Link
Kit includes: 100 psi high volume compressor/inflator, 10 guage 12' booster cable, high quality nylon bag, reflective triangle, ultra-bright led flashlight, deluxe tow strap, genuine leather work gloves, and first aid kit.
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Whole Life Insurance Check List
Added on : Tuesday May 14th 2013 04:00:20 AM
This is not intended to be either a pro or anti Whole life thread. This is simply a checklist to see if whole life should be a consideration. It was requested that I post this.
Typically, the bulk of one's insurance should be term insurance. However, having some of your insurance as whole life may make sense if ALL of the following statements are true.1) I have a desire to leave money behind at death (spouse, children, or charity) regardless of when death occurs.
2) I am not going to compromise my death benefit. (Amount of coverage is more important than type of coverage. In other words, it is more important to buy a large death benefit with term insurance than a small death benefit with whole life.)
3) I am properly covered with disability insurance. (Not everyone can get good disability insurance. Work coverage is seldom adequate for white collar workers.)
4) I have health insurance.
5) I have at least 6 months in emergency funds.
6) I am taking advantage of my employer sponsored retirement plan at least up to the match.
7) I am fully funding my Roth IRA.
8) I have no high interest debt.
9) I will only use money that would otherwise be put away in a conservative manner.
10)I will only do it at a dollar level at which the premiums are easy to afford.
Because most people can't say, "true" to those previous statements, whole life is inappropriate for most people. If all of those statements are "true" it doesn't mean that one needs whole life insurance. However, it usually does mean that, at the very least, whole life insurance should be explored.
Life Insurance...do I need it?
Added on : Monday May 13th 2013 06:00:06 PM
Noob to Fat Wallet, so I'm sorry for beating a dead horse. For the last several weeks, I've been trying to figure if I need life insurance or not, and if so, what to get. I was approached by a Northwestern Mutual agent who represents a few colleagues of mine. He wanted to discuss my financial planning and recommended I look into whole life insurance as a mid-long term financial strategy. He seems like a decent guy, but I'm not sure I trust him.A little bit about me: I'm 27 years old, single, no kids, healthy, non-smoker, and my occupation is dentist. I've been working for 1 year now and I'm trying to put all the pieces in place for my financial future. I have been maxing out my Roth IRA since 2012 and have about a 3 month emergency fund saved up with a little over 10k in it. Debt wise, I have a 30k auto loan @ 1.9% and 330k in student loans ( ~255k @ 6.5% and ~75k @ 7.9%).Back to my question: The NML agent recommended I open a mixed term/whole life insurance policy now while I'm young and healthy so that I can get a low premium and accumulate tax-free money to use for any major purchases down the road (house, marriage, buying a dental office, etc). Down the road, as I need less term insurance, I would be able to convert it over to permanent life insurance without undergoing the medical underwriting. It all seemed to make sense in terms of the tax advantages and long term planning. However, after doing a TON of online reading, 99% of what I've read has led me to believe that whole life insurance is a bad situation in general and also that I may not need life insurance at all right now, whether it be term or otherwise.I am looking for a financial avenue to accumulate wealth for mid/long term with minimal risk and effort on my part. I don't have the desire right now to spend time researching different funds/indexes, etc to invest in. I would prefer to simply automatically deposit money into some sort account and let it do it's thing. Is anything out there that fits the bill? Or should I just put as much money as I can into paying back my student loans right now and forget about long term financial planning until it's all paid back? I have a very basic knowledge of the financial world (if that wasn't already made apparent by this post), so I appreciate your patience and help in this matter.
Performance Rubbers on Sale at Tire Rack (multiple brands)
Added on : Monday May 06th 2013 08:00:06 AM
I've been religiously following Tire Rack prices on performance all season tires for the last 2 months and noticed as of yesterday they dropped prices on several great tires across their performance categories. The deal is even hotter if you can stack it with any of the mfg rebates available here. Don't forget FC!Here's a few really good tires you should consider buying if you're in the market. These prices are based on my tire size (235/45-17), so YMMV on sale prices. Protip: you'll know which ones are on sale if there's "Special" listed next to the price.Summer Tires
$175/ea....Michelin Pilot Supersport 235/45ZR17 ...................... (#1 summer tire on market now)
$138/ea....Bridgestone Potenza S-04 Pole Position 235/45R17
$115/ea....Continental ExtremeContact DW 235/45ZR17 .......... (Best bang for the buck)

All Season Tires
$132/ea....Continental ExtremeContact DWS 235/45ZR17 ............... (Best all-around all season on the market, very good performance in snow. IMHO this is worth the extra $$ over the General Tire ones below)
$155/ea....Bridgestone Potenza RE970AS Pole Position 235/45R17 ... (Compromises some snow grip for better, sportier dry/wet handling)
$102/ea....General G-MAX AS-03 235/45ZR17 .............................(Bang for buck king)
$107/ea....General Altimax HP 235/45R17 ............................. (Bang for buck queen, but go with the G-MAX over this one. I owned a set years ago)
$185/ea....Goodyear Assurance Tripletred 235/45R17 ..........+ $80 MFG MIR w/ purchase of 4
$106/ea....Kumho Ecsta 4X 235/45R17 ...................................+ $50 MFG MIR w/ purchase of 4 (not on "Special" but rebate and regularly low price makes this a hot deal)I didn't see any snow tires in this size on "Special" but there was a closeout on the Michelin Pilot Alpin PA4, which are supposed to be an improvement on the popular PA3's.Tire selection protips: 1) Keep in mind that "All-Season" is more like "Three-Season", and that a dedicated set of even mediocre winter tires will drive circles around the best all-season tire in snow and ice. Winter tires also significantly improve stopping distance in snow.
2) The phrase "jack of all trades, master of none" certainly applies to all-season tires.
3) It's always best to do a lot of research and make sure you buy tires based on the weather you encounter in your part of the country. Living in Chicago, I run a set of sporty-all seasons from Aprilish-Novemberish and then switch to dedicated winter tires for the worst of winter. I personally prefer not to install summer tires since the temp can swing wildly here above and below the minimum temperature of summer tires (typically 40F, below that summer tires harden and will lose traction).
4) A lot of people see tires (and brake pads) as "consumables" and buy whatever's cheapest since "they're just going to wear out anyways". However, think about this: What is the common link between the two most important safety aspects of your car in an emergency situation (Braking & Handling)? Tires. Every performance aspect of your car relies on your tires since that's the actual contact point on the road. So why do we skimp on tires?
Tire Rack Coupons
Rubbers on Sale at Tire Rack (multiple brands)
Added on : Monday May 06th 2013 07:00:07 AM
I've been religiously following Tire Rack prices on all season tires for the last 2 months and noticed as of yesterday they dropped prices on several great tires across their performance categories. The deal is even hotter if you can stack it with any of the mfg rebates available here. Don't forget FC!Here's a few really good tires you should consider buying if you're in the market. These prices are based on my tire size (235/45-17), so YMMV on sale prices. Protip: you'll know which ones are on sale if there's "Special" listed next to the price.Summer Tires
$175/ea....Michelin Pilot Supersport 235/45ZR17 ...................... (#1 summer tire on market now)
$138/ea....Bridgestone Potenza S-04 Pole Position 235/45R17
$115/ea....Continental ExtremeContact DW 235/45ZR17 .......... (Best bang for the buck)

All Season Tires
$132/ea....Continental ExtremeContact DWS 235/45ZR17 ............... (Best all-around all season on the market, very good performance in snow. IMHO this is worth the extra $$ over the General Tire ones below)
$155/ea....Bridgestone Potenza RE970AS Pole Position 235/45R17 ... (Compromises some snow grip for better, sportier dry/wet handling)
$102/ea....General G-MAX AS-03 235/45ZR17 .............................(Bang for buck king)
$107/ea....General Altimax HP 235/45R17 ............................. (Bang for buck queen, but go with the G-MAX over this one. I owned a set years ago)
$185/ea....Goodyear Assurance Tripletred 235/45R17 ..........+ $80 MFG MIR w/ purchase of 4
$106/ea....Kumho Ecsta 4X 235/45R17 ...................................+ $50 MFG MIR w/ purchase of 4 (not on "Special" but rebate and regularly low price makes this a hot deal)I didn't see any snow tires in this size on "Special" but there was a closeout on the Michelin Pilot Alpin PA4, which are supposed to be an improvement on the popular PA3's.Tire selection protips: 1) Keep in mind that "All-Season" is more like "Three-Season", and that a dedicated set of even mediocre winter tires will drive circles around the best all-season tire in snow and ice. Winter tires also significantly improve stopping distance in snow.
2) The phrase "jack of all trades, master of none" certainly applies to all-season tires.
3) It's always best to do a lot of research and make sure you buy tires based on the weather you encounter in your part of the country. Living in Chicago, I run a set of sporty-all seasons from Aprilish-Novemberish and then switch to dedicated winter tires in between. I personally prefer not to install summer tires since the weather can swing wildly here above and below the minimum temperature of summer tires (typically 40F, below that summer tires harden and will lose traction).
4) A lot of people see tires (and brake pads) as "consumables" and buy whatever's cheapest since "they're just going to wear out anyways". However, think about this: What is the common link between the two most important safety aspects of your car in an emergency situation (Braking & Handling)? Tires. Every performance aspect of your car relies on your tires since that's the actual contact point on the road. So why do we skimp on tires?
Tire Rack Coupons
HSA and FSA
Added on : Saturday May 04th 2013 05:01:27 AM
Hello,I am eligible for an HSA through my employer's insurance and I recently got engaged to someone with government insurance. We will be getting married next summer, and I expect that we will go with her insurance, which is not HSA-eligible. An idea I'm tossing around is to open up that HSA right now and max it out the next two years, while I still can. Then I'd keep that 6500 stashed away in the HSA as an emergency health/retirement account. I know that having an HSA after you quit your HDHP is just fine as long as you're not contributing. However, I'm a little unclear about whether or not this is going to stop us from getting a Flex Spending Account.If I have a Health Savings Account, and then switch to a non-HSA-eligible health plan, will I be able to allocate money for a flex spending account in the decades I have that HSA money buried away?Thanks!
TextPhilips HeartStart Home Defibrillator M5068Aprice: $1,199.00
save 40% ($796.00)in stock
drugstore.comOne of FORTUNE Magazine's 2004 Best Products of the Year: Home and Health.HeartStart provides clear voice instructions that guide you through every step of the defibrillation process. Safe and easy-to-use at home, where the majority of cardiac arrests occur. Learn more about this defibrillator

Please Note: There will be a $150 re-stocking fee on all returns of this item.Used to treat victims of sudden cardiac arrest (SCA), who are not responsive and not breathing normally. If in doubt apply the pads. Treats the most common cause of SCA by delivering a shock to the heart. Use HeartStart and CPR, as needed, until emergency professionals arrive.Easy To Use - Guides you with interactive voice prompts
Safe - Delivers a shock only if needed
Reliable - Runs daily self-tests for readiness
Important: With sudden cardiac arrest, every minute counts. Make sure your HeartStart Home Defibrillator is set up and ready for use in an emergency.Contents: "Philips HeartStart Home Defibrillator (an automated external defibrillator or AED)"
Red carry case with 911/EMS card
Adult SMART Pads cartridge (lasts 2 years)**
Battery (lasts 4 years)***
Training video
5-year warranty
Facts you need to know about adult SCA:For the best chance of survival, a defibrillator should be applied within 5 minutes.
Less than 5% of SCA victims survive. This is largely because defibrillators don't reach them in time.
Nearly 80% of all SCA's occur at homeHeartStart user considerations:You cannot use the HeartStart to treat yourself.
Users may need to perform CPR.
Responding to cardiac arrest may require you to kneel.
Voice instructions and enclosed materials are in English*.
HeartStart provides audible and visible indicators if the device requires maintenance.
If you have concerns about your health or an existing medical condition, talk to your doctor. A defibrillator is not a replacement for seeking medical advice.Who should own a HeartStart?
Anyone who wants to be prepared.Sudden cardiac arrest (SCA) is a leading cause of death in the U.S. The majority of victims have no previously recognized symptoms of heart disease - SCA typically strikes without warning. A defibrillator will not save every SCA victim, but more lives could be saved if victims were reached more quickly.
American Red Cross
The vision of the American Red Cross is that at least one person in every household be trained in life-saving first aid, CPR, and defibrillator use, and that every American be within 4 minutes of a defibrillator.*Contact Philips for information about other languages. 1-866-333-4246
**Infant/Child SMART Pads cartridge sold separately by prescription only. Talk to your doctor. 1-866-333-4246
*** Please note the date found on the battery is the "install by" date, once installed the battery has a four (4) year lifespan 
Warnings--------------------------------------------------------------------------------

It is important to understand how to use your HeartStart Defibrillator safely.
Please read these warnings and precautions carefully.
A warning describes something that could cause serious personal injury or death.
A precaution describes something that could cause minor personal injury, damage to the HeartStart, loss of data stored in the HeartStart, or less chance of successful defibrillation.
$20 Skype Credit for $10 (.Edu Email or Facebook Required) *Back Again - TODAY ONLY*CollegeBudet

Valid only for those with a student email or login with Facebook$20 Skype Credit for $10 [collegebudget.com]
http://collegebudget.com/national/deal/today-only-$10-for-$20-wo... Expires Oct 01, 2013 12:00 AM. No cash alternative. Not for resale. One voucher per user. Skype reserves the right to exclude participants from the offer in the event of suspected abuse or fraud. To redeem your voucher and make Skype calls, you must have a registered Skype Name and an Internet connection. A connection fee applies. Redeem your voucher by 09.30.12. Skype is not a landline replacement and cannot be used for emergency calls. Skypes Terms of Service apply see www.skype.com/tos [Skype.com])
http://www.skype.com/en/?url=http%253A%252F%252Fwww.skype.com%25... How does this deal work?
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2) Get a $20 e-gift code to spend at Skype.com
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TextProvida Six Week Body Makeover Kit; Weight Loss Program (Paperback) $56.00 + $3.99shipping http://www.amazon.comPublisher: Provida (2005)
Language: English
ASIN: B000UU6H7U
Product Dimensions: 16.2 x 13.5 x 3.7 inches
Shipping Weight: 6.2 pounds Michael Thurmond's Six Week Body Makeover kit DVD version from Provida. Here's what's in the kit: 1. Custom Eating Plan (several pages with a black binder to organize it all). 2. Infinite menu planner. 3. Dining out guide. 4. Makeover meals recipe cards. 5. Personalized 18-minute body scuplting program. 6. Body Sculpting Band. 7. DVD: Precision Body Sculpting. 8. CD: In Case of Emergency. 9. CD: The Science of Eating More and Exercising Less. 10. CD: Unleashing your Body's Fat-Burning Potential. 11. DVD: Quick Start. 12. DVD: 6 Day Mini-Makeover (Lose a dress size in 6 days). 13. Help when you need it support package with free membership. 14. Quick Start Program "Find out what foods cause your body to lose weight". 15. Quick Start Program "Blueprinting your body step by step"
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Hi all. I'm about to send a lot of money away for the next several years and want to make sure I have all my bases covered before getting aggressive with it. Here are the preparations I think I have to make:(1) An emergency fund that covers my bills for six months
(2) 401(k) contributions equal to 3% of my salary to take advantage of company match for the year
(3) A maxed-out Roth IRA for 2013Can you think of anything else I could do to prepare?(Some background if anyone cares: this is related to this thread)
Hi all. I'm about to send a lot of money away to debt for the next several years and want to make sure I have all my bases covered before getting aggressive with it. Here are the preparations I think I have to make:(1) An emergency fund that covers my bills for six months
(2) 401(k) contributions equal to 3% of my salary to take advantage of company match for the year
(3) A maxed-out Roth IRA for 2013Can you think of anything else I could do to prepare?(Some background if anyone cares: this is related to this thread)
Hi all. I'm about to send a lot of money away for the next several years and want to make sure I have all my bases covered before getting started. Here are the preparations I think I have to make:(1) An emergency fund that covers my bills for six months
(2) 401(k) contributions equal to 3% of my salary to take advantage of company match for the year
(3) A maxed-out Roth IRA for 2013Can you think of anything else I could do to prepare?(Some background if anyone cares: this is related to this thread)
How can you protect your assets in case of injury without insurance?
Added on : Thursday April 25th 2013 12:01:38 PM
Is there anything that can be done to protect a persons assets in case they were to need medical attention, and not have adequate insurance?For example...I've been a hardworking person all my life. Most of the time though I don't have health insurance. Just haven't been able to find a good solid non-temp job/career that offers it. I also never made very much money in my life. Because of very frugal living though (never had cable ever, don't go to restaurants, only taken one vacation in my entire life and it was a cheap one under $500), I've been able to build up a net worth of around $100k. About $55k is equity in my house. $30k is from an inheritance which is in the stock market as the beginning of what will hopefully be a retirement fund. $5k is in a cash emergency fund, since I often earn less than my general bills. And the remaining $10k is the value of my car.However I am absolutely terrified that I will loose everything that has taken my whole life to achieve, in the inevitable event that I eventually will need medical attention for something. The medical system is so screwed up here, that it would be very easy to rack up a $100k+ bill after just one accident, one needed surgery, or one health problem.The costs of purchasing health insurance yourself are ridiculously prohibitive as well. If I were to actually purchase health insurance, I'd just deplete whatever money I have in very short order. Many years my earnings are in the negative compared to general bills, other times they break even, occasionally they are a little up, but even in an up year, if I were to purchase insurance, it is so expensive, I'd go in the negative. Its a loose-loose situation though, because if I don't, I'm afraid of getting hurt, racking up a bill higher than my whole net worth in short order, and next thing I know, my house is liened, bank account drained, stock portfolio garnished to zero, car taken away, etc. Just feels like I'll loose everything buying health insurance since I can't afford it, but I'll inevitably loose everything not having it since accidents or health problems are inevitable. Is there anything I can do to protect or shelter what I have? Since if I were to loose everything, I'd never have enough time in life left to get it back.Any advice?
Ready America Grab 'n Go 2-Person Backpack Deluxe Emergency Kit (Today Only) for $49.99 + free shippingAmazon sells it for $99.99.Home Depot has the Ready America Grab 'n Go 2-Person Backpack Deluxe Emergency Kit for $49.99 + free shipping, which is half price. This deal is good for today only (4/24/13). http://www.homedepot.com/p/Ready-America-Grab-n-Go-2-Person-Back..."Because we never know when there will be an emergency situation, its wise to always be prepared. To avoid being caught unprepared, make sure that you have the Ready America Grab n Go 3-Day Emergency Kit on hand at home, at school and at the office. Unique to the Deluxe Grab 'n Go 2 person 3 day kit is the water purification tablets, bio-hazard bag, backhand mult-function tool, 3-in-1 whistle, compass, thermometer, hygiene kit, 4 function emergency power station and much more."Contains the basic survival essentials as recommended by the American Red Cross.
Water purification tablets.4 function emergency power station is hand crank powered and supplies a radio, flashlight, cell phone charger and siren.Essential hygiene kit provided.
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http://tech.woot.com/offers/ooma-telo-voip-home-phone-system-43
We got one last year and love it. Sorry we waited so long to get on boardOoma Basic Member Features:Plug your high-speed Internet connection into Ooma Telo, plug your home phone into Ooma Telo, activate, then call your phone company and tell them to stop sending you bills
Free U.S. Calling call anyone, anywhere in the U.S. (only pay applicable taxes and fees)
Enjoy the convenience of caller-ID and call-waiting at no extra charge
Make international calls starting at a penny per minute (international rates)
Call another Ooma customer anywhere in the world for free
Ooma PureVoice technology delivers unmatched voice clarity and reliability
Ooma HD Voice doubles the audio frequencies transmitted to deliver a richer, more natural sounding conversation to calls between Ooma Telo customers (an Ooma Telo Handset or HD compatible telephone is required to support Ooma HD Voice)
Get crisp acoustic performance with advanced features like voice compression and adaptive redundancy
Encrypted calls, get superb sound quality, security and range without interfering with your Wi-Fi network or other home electronics
Standalone device compatible with your existing home phones and most fax machines no computer or headset required
Access your voicemail remotely from any phone or web browser
The option to get a new number at no charge or keep your current phone number (one-time porting fee of $39.99 - if available to port)
Ooma is highly intuitive to set-up most customers are up and making calls in less than 15 minutes
When you dial 911, emergency personnel will automatically have your registered address
Hear messages, check call logs and control your preferences online
Check your calling history from any Internet-connected computer or mobile device
Ooma is a high-performance firewall router, with QoS support, that allows you to setup home-based servers and other network devices
Ooma Premier Member Features (additional fees apply):Premier customers in the U.S. can call anywhere in Canada for free except to the Northwest Territories; calls to that area will be charged at Oomas normal international rates
Make or take two simultaneous calls with the Instant Second Line
Option to choose additional phone numbers
Experience the greatness of Google Voice on your Ooma system access Google Voices Voicemail, Call Presentation, Listen In, and Caller-ID features
Ring your home and mobile phone simultaneously with Multi-Ring
Forward voicemail to your email or smartphone
911 Notifications - if emergency services are called from your Ooma phone number you'll be alerted by email or text message the very moment it occurs
Make calls over Wi-Fi from compatible smartphones, including iPhone, iPod touch and Android based smartphones, with the Ooma Mobile app (purchase and installation of Ooma application on compatible smartphones required)
Link your mobile phone to your Ooma Telo using the optional Ooma Bluetooth adapter ($29.99)
Screen callers and listen in to their message before answering
Block unwanted callers with Anonymous Call Blocking, Personal and Community Blacklists, and one touch Do Not Disturb
Transfer a call to voicemail by pressing the Send to Voicemail button any time after you say hello
Get some peace and quiet whenever you want by simply pressing the envelope icon for (2) seconds all of your calls will roll into voicemail without ringing
Whether you are doing business or chatting with friends, three-way conference calling has never been easier
Read your voicemail instead of listening to it get your messages wherever theres email access on a mobile phone, portable device or computer (available to Ooma Premier subscribers for $9.99 per month plan includes 40 messages, additional messages are $0.25 each)
Keep up to date with new message notifications that can be sent to any email address or SMS-capable mobile phone
Enjoy the ultimate convenience of having your voicemail messages forwarded to your email now you can listen to messages from your preferred mobile or desktop email client
Sign-up for a year of Ooma Premier ($119.99) and get a free number transfer, Bluetooth Adapter, Wireless Adapter or Extended Warranty
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Refurb Garmin GPS 2455LMT 4.3" Portable W/ Lifetime Maps via eBay via GeekDeal - $79.99Garmin GPS...Garmin Nuvi 2455LMT 4.3" Portable W/ Lifetime Maps + Traffic 010-01001-29
Product Details
ManufacturerGarmin
Model010-N1001-29
Geekdeal SKUGD124379
ConditionRefurbished
PackagingWhite Box
Warranty1 year
Product Description
Preloaded City Navigator NT North America (U.S., Canada, Mexico, Puerto Rico, U.S. Virgin Islands, Cayman Islands and Bahamas)Overview:Whether you're driving through an unfamiliar city or on your daily commute, nvi 2455LMT makes your trip easier than ever before. It includes FREE lifetime traffic and map updates, advanced lane guidance and more.Get Turn-by-turn DirectionsGarmin Guidance 2.0's intuitive interface greets you with 2 simple choices: "Where To?" and "View Map." Touch the screen to easily look up addresses and services and to be guided to your destination with voice-prompted, turn-by-turn directions that speak street names. It comes preloaded with maps for North America. It also includes more than 8 million points of interest (POIs) and offers the ability to add your own.Avoid Traffic Tie-upsWith FREE lifetime traffic updates from 3D Traffic, our most extensive traffic avoidance system, nvi 2455LMT can help you avoid delays. We check traffic conditions more than 2 billion times each month, so you can easily reroute around congestion and arrive on time.Enjoy FREE Lifetime Map UpdatesWith FREE lifetime map updates, you always have the most up-to-date maps, POIs and navigation information available at your fingertips. Map updates are available for download up to 4 times a year with no subscription or update fees and no expiration dates.Know the Lane Before It's Too LateNow there's no more guessing which lane you need to be in to make an upcoming turn. Available in select metropolitan areas, photoReal junction view makes unfamiliar intersections and exits easy to navigate. When you approach an exit or interchange, nvi 2455LMT will enter split screen mode and show you a realistic depiction of junctions on your route, complete with road signs and arrows that indicate the proper lane for navigation.Go Beyond NavigationPoint-to-point navigation is just the beginning. nvi 2455LMT features a microSD card slot so you can store and use detailed cityXplorer maps or download custom voices and vehicles for free from the Garmin Garage. Dual-orientation functionality lets you hold the nvi vertically or horizontally for added convenience driving or walking. The "Where Am I?" emergency locator provides your exact latitude and longitude coordinates, the nearest address and intersection, and the closest hospitals, police stations and more. And Enhanced Exit Services tells you what services you're approaching on the highway.Features:View routes on the 4.3" (10.92 cm) touchscreen.
Enjoy FREE lifetime map and traffic updates.
Avoid traffic tie-ups with 3D traffic, subscription-free live traffic updates from the our extensive traffic avoidance system.
Know which lane to be in thanks to advanced lane guidance with exclusive photoReal junction view.
Use in portrait or landscape mode.
See whats coming with Enhanced Exit Services.
Get fast route calculations and address look ups with Garmin Guidance 2.0.
Refurb Garmin GPS 2455LMT 4.3" Portable W/ Lifetime Maps via eBay via GeekDeal - $84.99Garmin GPS...Garmin Nuvi 2455LMT 4.3" Portable W/ Lifetime Maps + Traffic 010-01001-29
Product Details
ManufacturerGarmin
Model010-N1001-29
Geekdeal SKUGD124379
ConditionRefurbished
PackagingWhite Box
Warranty1 year
Product Description
Preloaded City Navigator NT North America (U.S., Canada, Mexico, Puerto Rico, U.S. Virgin Islands, Cayman Islands and Bahamas)Overview:Whether you're driving through an unfamiliar city or on your daily commute, nvi 2455LMT makes your trip easier than ever before. It includes FREE lifetime traffic and map updates, advanced lane guidance and more.Get Turn-by-turn DirectionsGarmin Guidance 2.0's intuitive interface greets you with 2 simple choices: "Where To?" and "View Map." Touch the screen to easily look up addresses and services and to be guided to your destination with voice-prompted, turn-by-turn directions that speak street names. It comes preloaded with maps for North America. It also includes more than 8 million points of interest (POIs) and offers the ability to add your own.Avoid Traffic Tie-upsWith FREE lifetime traffic updates from 3D Traffic, our most extensive traffic avoidance system, nvi 2455LMT can help you avoid delays. We check traffic conditions more than 2 billion times each month, so you can easily reroute around congestion and arrive on time.Enjoy FREE Lifetime Map UpdatesWith FREE lifetime map updates, you always have the most up-to-date maps, POIs and navigation information available at your fingertips. Map updates are available for download up to 4 times a year with no subscription or update fees and no expiration dates.Know the Lane Before It's Too LateNow there's no more guessing which lane you need to be in to make an upcoming turn. Available in select metropolitan areas, photoReal junction view makes unfamiliar intersections and exits easy to navigate. When you approach an exit or interchange, nvi 2455LMT will enter split screen mode and show you a realistic depiction of junctions on your route, complete with road signs and arrows that indicate the proper lane for navigation.Go Beyond NavigationPoint-to-point navigation is just the beginning. nvi 2455LMT features a microSD card slot so you can store and use detailed cityXplorer maps or download custom voices and vehicles for free from the Garmin Garage. Dual-orientation functionality lets you hold the nvi vertically or horizontally for added convenience driving or walking. The "Where Am I?" emergency locator provides your exact latitude and longitude coordinates, the nearest address and intersection, and the closest hospitals, police stations and more. And Enhanced Exit Services tells you what services you're approaching on the highway.Features:View routes on the 4.3" (10.92 cm) touchscreen.
Enjoy FREE lifetime map and traffic updates.
Avoid traffic tie-ups with 3D traffic, subscription-free live traffic updates from the our extensive traffic avoidance system.
Know which lane to be in thanks to advanced lane guidance with exclusive photoReal junction view.
Use in portrait or landscape mode.
See whats coming with Enhanced Exit Services.
Get fast route calculations and address look ups with Garmin Guidance 2.0.
Get it between Thu, Apr 25 and Mon, Apr 29 Hutt 52-Piece Outdoor First Aid/Emergency KitItem# SPM7857797913
Model# rp1904997cs Reg Price: $29.99
Now: $14.99
Shipping: Starts at $0.01
With this Outdoor First Aid/Emergency Kit, you dont have to wait around for help, you can do it yourself! This 52-Piece set features all of the tools you need to take care of yourself or your family in an emergency, including a blanket, flashlight, bandages, gloves, safety pins and more! Also includes jumper cables and tools all housed in a sturdy nylon bag with the NASCAR logo across the front.Condition : New
'Features' Include :
-10 Adhesive Bandages 3 x
-5 Adhesive Bandages 3/8 x 1 1/2
-2 Sterile Gauze Dressings 2 x 2
-1 Sterile Trauma Pad 5 x 9
-9 Alcohol Prep Pads
-9 Antiseptic Towelette
-1 First Aid Guide with Accident Report Form
-Jumper Cables
-Flashlight
-Orange and Black Nylon Bag
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Pay down debt vs. Investing vs. Saving for house
Added on : Thursday April 18th 2013 03:01:00 PM
I am seeking advice on how to meet the goals that my wife and I have set for ourselves. I am 23 and she is 22. We both are one year out of college and live in a low COL area. We are currently saving $1000.00 a month after our bills. I expect our income will increase 7% annually.We currently have $18,000.00 sitting in a high interest savings which we say is our emergency fund. This is approximately 6 months worth of expenses. We have been married for almost 1.5 years and within this time both of our cars died. We have two car loans which sit at $9500.00 @ 2.75% and $15,000.00 @ 1.99%. These are our only debts.We would like to buy a house within the next few years, but our struggling with the fact that we would like 20% down to avoid PMI. We need to save $32,000.00 to purchase a house that would meet our future needs.My question is how would one go about saving for the future? Would you start investing now or wait until all debts are paid? Would you keep things the way that they are and invest as well as save for a home? I feel like we are doing well, but want to stay ahead of the game.Any advice would be well appreciated it.Thanks,John
5 Pack of Duct Tape - 900 Feet of Duct Tape for $18.99 + free shippinghttp://thatdailydeal.comStock up on the all time emergency saving tool!
5 Rolls of Duct Tape
Each Roll is 2 in x 60 yards
Are We on the Right Path? FWers Assess my Finances & Goals
Added on : Sunday April 14th 2013 09:01:07 PM
Hi all--New FW user but longtime follower. Have used many of your tips in the past but haven't been on the forum in awhile. I'm looking for some advice on my wife and my financial situation, specifically with two things in particular- our home and our desire for children (more later).My wife(29) is a Registered Nurse and I am a Bakery Manager(30) for a high-volume location in a mid-size grocery store chain. Her W2 income last year was $62,000 and mine was $55,000. We have a 3bed/2 bath townhome we bought for 105k in May 2010, with a 30yr mortgage at 4.5% with a payment of $447.50 per month but we generally send an additional $500 towards prinicipal. Our balance is around $68,000~. The current value of the home is around 90k~ due to a few foreclosures and many up for sale in the neighborhood. My 401k is 50% in company stock and 50% in bond funds, with a balance of $60k. My contributions are 6% of salary, and 3% are matched at 100%. My wife has a 403b contributing 5% with a 50% company match, all in growth funds (Fidelity), with a $35k balance. We both have 100k life insurance through our employer.We have no credit card debt and she has $36k remaining in student loans and I have $55k for a degree I have no use for. Mine is at 2.5% and hers is around 4%. One car loan with a year left of $430 payments at 0%. Other car paid for.
My questions:
1) We'd like to move into a single family home because I will be moved to a new location soon, which is closer to her work. 3 bedroom homes generally range from 200-300k in that area. My concern is because of the depressed home values in our neighborhood (specifically the townhome community) we'd be taking a loss on the home around 35k after all is said and done. And who knows how long it would take to sell? Is renting an option? The HOA dues are $130 and we could probably rent for $900~ (booming town and community college nearby), so that is positive cash flow. However I am completely new to owning rental property. What liability would I be taking on and what is recommended for screening tenants? Should I hire a manager/management company?2) My wife suffers from infertility and we have spent $20k on three rounds of IVF to no avail (no insurance coverage despite a very good policy). We are now considering other options, including adoption. We are in the process of reading up on that...is a lawyer necessary? Should we do anything financially to prepare?3) Even though we have no kids or debts, how is our life insurance? Should we supplement with a term life policy (I know whole life and annuity/life blends are frowned upon here)? I know if my wife quits working to take care of potential children that I should get a much higher policy.4) Consider starting an IRA? Anything else we should be worried about?We have significant net income after our mortgage, car, and expenses. Our "guilty pleasures" are good vacations 2-3 times a year. That being said, we have a good amount in checking and savings, as well as a separate 6 month emergency reserve. Vacations will be cut once we have children.
http://www.meijer.com Coleman Exponent Lithium Flashlight and Collapsible Lantern ComboItem # 2000000621Shipping free. exclusively online
$29.99sale

Save: $50.00

Reg: $79.99
A terrific choice for hiking, camping, or emergencies, the Coleman Exponent combo light is actually 2 lights in 1. In its default form, the Exponent is a lightweight flashlight, with a Cree XLamp XR-E LED bulb that provides 165 lumens of light on the high setting. Once you arrive at your destination, however, you can add the collapsible lantern attachment, which screws directly into the flashlight's bezel threads. With the lantern on, you can enjoy a freestanding area light for eating, reading, or chatting. It's the perfect choice for folks who don't have the pack space to carry both a flashlight and a lantern.
Offer Details
■Not eligible for any further discounts or in combination with other promotional incentives
■While supplies last
■No substitutions or backorders
■Price valid on orders placed during promotional time period only
■Flashlight/lantern combo
■Lightweight lithium flashlight with collapsible lantern attachment
■165 Lumens
■Five 3mmwhite/red LEDs for enhanced night vision
■Selector dial for changing light colors and electronic lockout
■Smart switch technology
■Emergency strobe setting
■Rotating collar
■Run time (white LEDs): 6 hours on low setting and 1.5 hours on high setting
■Run time (red LEDs): 50 hours on low setting and 15 hours on high setting
■Aluminum casing
■Tail cap for lanyard attachment
■Flashlight requires 2 lithium batteries (included).
■Flashlight measures 1.1"W x 5.3"H
■Lantern measures 2.1"W x 3.5"H
■Made in China
Meijer Coupons
SF Bay Area Home Search: Good (or Not So Good) Schools
Added on : Friday April 05th 2013 11:02:10 AM
My wife and I are planning to buy our first home in South Bay Area (Sunnyvale, Santa Clara and some parts of San Jose with Cupertino schools). While the inventory is low and many houses are going way over list price with all cash offers, we're still optimistic that something will work out.We're looking for a 3+B/2+BA house. Our upper limit is 800K, but might be willing to go 850K (lender says easily approved) for something we both absolutely love! Both are employed in Fortune 500 companies and make 100K+ each and have saved enough money for 15% down (with additional emergency funds for about 6 months). We're in our early 30s, credit scores are 780+ each. We prefer single family homes but townhouses are OK too.We don't have kids yet but planning to have our first in a year or so. We've been looking for houses in good school districts (API 800+) ...not out of immediate need but in terms of resale value and such. Most of the houses here are selling 60K-100K over list and many have been all cash and/or no contingencies offers. Obviously we cannot compete with that.My questions:
1) If we have a kid in 2014, it'll be 5-6 years or so before he/she needs to attend elementary school. Plan for good school district now or make do with what we get and then plan to move later?
2) If we end up getting a house in a not-so-good school district and when the time comes to move, for some reason, we can't sell this house; how much do private schools cost? For example, if we get a 600K house now and save the difference in mortgage payment for the next 6 years, will it make sense?
3) When something comes up on MLS, most listings don't mention schools and we have to go through this tedious process of finding which school zone the houses belongs to. Is there a website where we can plug-in the address and it gives us the elementary, middle and high school names with API scores? Perhaps someone has compiled a list...
4) Also, how worried should we be about sex offenders in the area. We searched www.meganslaw.ca.gov for some addresses and there were multiple offenders in some places. The website, however, says they might have subsequently moved. There is no sure way to find out I guess. Any thoughts?
5) Should we even consider foreclosures/short sales. Our Realtor said we can look into them but he emphasized more on Active listings. Are there agents who specialize in such properties and should we be contacting them?
Bay Area Home Search: Good (or Not So Good) Schools
Added on : Thursday April 04th 2013 03:02:21 PM
My wife and I are planning to buy our first home in South Bay Area (Sunnyvale, Santa Clara and some parts of San Jose with Cupertino schools). While the inventory is low and many houses are going way over list price with all cash offers, we're still optimistic that something will work out.We're looking for a 3+B/2+BA house. Our upper limit is 800K, but might be willing to go 850K (lender says easily approved) for something we both absolutely love! Both are employed in Fortune 500 companies and make 100K+ and have saved enough money for 15% down (with additional emergency funds for about 6 months). We're in our early 30s, credit scores are 780+ each. We prefer single family homes but townhouses are OK too.We don't have kids yet but planning to have our first in a year or so. We've been looking for houses in good school districts (API 800+) ...not out of immediate need but in terms of resale value and such. Most of the houses here are selling 60K-100K over list and many have been all cash and/or no contingencies offers. Obviously we cannot compete with that.My questions:
1) If we have a kid in 2014, it'll be 5-6 years or so before he/she needs to attend elementary school. Plan for good school district now or make do with what we get and then plan to move later?
2) If we end up getting a house in a not-so-good school district and when the time comes to move, for some reason, we can't sell this house; how much do private schools cost? For example, if we get a 600K house now and save the difference in mortgage payment for the next 6 years, will it make sense?
3) When something comes up on MLS, most listings don't mention schools and we have to go through this tedious process of finding which school zone the houses belongs to. Is there a website where we can plug-in the address and it gives us the elementary, middle and high school names with API scores? Perhaps someone has compiled a list...
4) Also, how worried should we be about sex offenders in the area. We searched www.meganslaw.ca.gov for some addresses and there were multiple offenders in some places. The website, however, says they might have subsequently moved. There is no sure way to find out I guess. Any thoughts?
5) Should we even consider foreclosures/short sales. Our Realtor said we can look into them but he emphasized more on Active listings. Are there agents who specialize in such properties and should we be contacting them?
What to do with my Tax Return?
Added on : Wednesday April 03rd 2013 09:01:04 AM
I would like to to thank the fatwallet posters in advance for reading this and providing me with years worth of good advice. I recently had a pleasant surprise from my tax preparer and will be receiving a hefty sum (for me anyway) from my federal income tax return. Yes I know that I should not have given the government an interest free loan but I was going through a divorce and didn't want any surprises come tax time. My question is: What is the best way for me to invest this money ~$4000?. I know leaving it in a savings account is useless and I don't want to buy a Crown Vic and use the rest cruising for H&B.

My situation: Single father of 1 (I have him >9 months out of the year). No credit card debt (I pay it off every month). No student loans. I have a mortgage (~$160k owed, 25 out of 30 years on the mortgage at 6.5% interest rate (It is a USDA not an FHA loan). I have a car loan ~$3K at 5.5% interest. I have been scraping by each month and have little emergency savings. I was thinking of paying off the car loan and using the $300 a month I would be paying in car loans to keep as my emergency funds. I would love to refinance my mortgage down to 4% but since it's not an FHA loan and I don't have very much equity in the house I'm pretty sure I can't refinance.... I would love to hear what the fatwalleters out there would do in my place.
Calculating Income after taxes and investments.
Added on : Tuesday April 02nd 2013 03:00:58 PM
I'm a single, 24 yo male, no children or dependents, and have used many calculators to figure out an estimated income after taxes.My stipend will be $48,500, paid every two weeks. This is in Richmond, VA:Federal income tax (25%): $8,054
State income tax: (5.75%): $2,531.25
FICA (7.65): $3,710.25Income post taxes: 34204.5 (2850.37/month)Are my calculations correct? Should I request to take more off because I will have no dependents?I have about $6000 in savings after I move and pay a deposit.Projected Expenses
Monthly Income2850.37
Disability 83
Car insurance125
Cell phone50
electricity65
cable/internet70
gas130
rent1100 (future fiance will pay half after a few months)
food350
Entertainment250


Total627.37 (once fiance finds a job in new location, it would be 1177.37/month)I am buying an engagement ring that is interest free for 12 months at $390/month.With that extra 800 a month, what should one do with it? Open an IRA/ Roth IRA? Build an emergency fund?
12000mAh External Battery Power Bank $21.40 FS[DealExtreme]
Added on : Monday April 01st 2013 09:00:03 PM
Link
Data from DealExtreme:
Quantity1 Piece
ColorBlack
Compatible ModelsPSP, iPhone 4/4S, iPad, iPod, Blackberry, Nokia, Dopod, HTC, Motorola, LG, Sony Ericsson, etc.
Battery TypeLi-ion
Capacity12000 mAh
Input Voltage5 V
Output Voltage5 V
Output Current1000 mA
FeaturesDual USB, can charge two devices at the same time; Easy carrying, great for travel use.
Packing List1 x Emergency battery
1 x Power cable (45cm)
8 x Adapters (Nokia DC 2.0 + PSP + Mini USB + Micro USB + Apple 30 Pin + Samsung i900 adapter + Sony Ericsson K750 + LG KG 90)
1 x English / Chinese user manual
Champion 4000 Watt Portable Generator 49State Model
Added on : Monday April 01st 2013 09:00:34 AM
Portable AC power at an affordable price for RVing, tailgating, worksite and emergency use.
Champion 4000 Watt Portable GeneratorCalifornia Model
Added on : Monday April 01st 2013 09:00:22 AM
Portable AC power at an affordable price for RVing, tailgating, worksite and emergency use.
Acurite Weather Alert Noaa Radio/led Flashlight with Hand Crank $24.97 @ BassPro Free Store pick up$5 Shippinghttp://www.basspro.com/AcuRite-Weather-Alert-NOAA-Radio/LED-Flas... NOAA National Weather Service alerts for your location
Hand crank provides emergency power
Automatic notification: emergency, weather, and public announcements
Responds to all hazards and warnings for NOAA/NWS/Dept. of Defense and Weatheradio Canada
Loud emergency alert siren
Listen button plays local weather report at any time
Backlit LCD displays scrolling messages
Color-coded LED's indicate alert type
50-mile signal scan receives 7 digitally tuned NOAA channels
Headphone/accessory jack
Battery operated or AC adapter powered (not included) Weather the day with confidence with up-to-date weather information and national weather alerts - right in the palm of your hand. Tune in to emergency alerts, storm alerts, tornadoes, floods, disasters, amber alerts, and public announcements with the AcuRite Emergency Weather Alert NOAA Radio with LED Flashlight. This handy radio/flashlight combination is digitally tuned to NOAA Weather Radio (NWR), providing continuous weather information including warnings, watches, forecasts, and all hazards - 24 hours a day, 7 days a week. This weather radio sounds a loud alert siren when emergency conditions occur. Specific Area Message Encoding (S.A.M.E.) ensures you receive advisories, watches, and warnings intended for your specific location. Warnings relevant to your local area scroll across the backlit LCD display and color-coded LED's indicate alert type. Hand crank provides emergency power by recharging the batteries. Setup is easy; simply power on the radio and youre ready to receive emergency alerts - there are no subscription fees or other costs. Manufacturers limited 1 year warranty. Requires 3 AA batteries (not included). Measures 7"H x 3"W x 3"D. It's more than accurate, it's AcuRite.
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I realize I am going out on a limb looking for some experts to "spoon feed" me, but I will at least say I've tried searching Google and FW, but can't get a clear understanding of the answer.My Sig other has just incurred about $2-4 in medical expenses due to a surgery. (We haven't paid any of it yet). I've been trying to verify that it is too late for creating an FSA to be helpful. (Majority of expenses have already been incurred)
http://www.irs.gov/pub/irs-pdf/p969.pdf Pub969 page 16"A cafeteria plan offering a health FSA must be amen-
ded to specify the $2,500 limit (or any lower limit set by
the employer). While cafeteria plans generally must beamended on a prospective basis, an amendment that isadopted on or before December 31, 2014, may be madeeffective retroactively, provided that in operation the cafe-
teria plan meets the limit for plan years beginning after
December 31, 2012.""Generally, distributions from a health FSA must be paid
only to reimburse you for qualified medical expenses you
incurred during the period of coverage. You must be able
to receive the maximum amount of reimbursement (the
amount you have elected to contribute for the year) at any
time during the coverage period, regardless of the amount
you have actually contributed. The maximum amount you
can receive tax free is the total amount you elected to con-
tribute to the health FSA for the year."Is the coverage period Annual or does it start when the plan is set up? I'm guessing it's too late in our case, as I'm sure everyone would do this after incurring medical expenses.
More specific details: Sig other broke collar bone in personal accident on property belonging to a friend of a friend. (Not auto insurance related). Collar bones are often not treated with surgery, but in this case it would not have healed properly on its own. Their work provides health insurance, but over the last year or two has switched to a plan with a $1000 deductible (Just under the amount required to qualify for an HSA). Pointless Emergency room visit + surgery (& Painkillers) = $3000 in copays and deductibles. Together we make $40000-$45000 per year. Doesn't look like much, or any of the amount is going to be over the threshold to be tax-deductible. Looks like we're 100% out of pocket for the costs, but I wanted to check here first. - It does look like another surgery will be required to remove a loose pin, but I have no idea how much it will cost since deductible has already been met. Otherwise our medical expenses has been very low. Thank You for all the good advice I've found on these forums in the past! (I just recently increased my Auto insurance limits and added uninsured motorist thanks to SIS.. Doing this cost me ALMOST NOTHING!)Health insurance links:HSA FAQ: http://www.fullofdeals.com/forums/finance/542257/?start=0FSA Dollars: http://www.fullofdeals.com/forums/finance/1261432/
Hi everyone,I am in the process of trying to set up a Roth IRA for myself, an HSA, and I have student loans to pay off. The more reading and number-jiggling I do, the more confused I become, so I was hoping I could get some advice from you on a few topics. I've read through a lot of the older posts and threads on similar topics, but I think I'd understand better if answers were based on my current situation. Please forgive me, but I'm going to unleash a bunch of data and questions here. . . .My Financial Situation:
I am self-employed.
I am ridiculously healthy.
I am single.
I am in the 15% tax bracket and, if my current work gig holds up, I might earn about $34,000 total for the 2013 year (about $3000 a month).
I have a consolidated student loan of $36,669 at 6.125% interest and a Perkins loan balance of $7,250 at 5% interest.
I have about $6k saved up right now ($2k is going to my tax liability for 2012, and I'm going to make a $1600 payment on my quarterly tax in April, too.).
I have a 457(b) I am no longer able to contribute to since I'm no longer working for the entity who set that account up for me, so I am planning on rolling over the $1525 account to a Roth IRA (I know that means I'll have to pay tax on those pre-tax dollars in the account.)My Financial Goals
I'd frikkin' love to be debt-free by age 35 (that's 10 years away, folks)
I want to take advantage of retirement investments in order to manage my annual tax liability and to be able to afford to eat and live when I retire
I want to have about $16,000 in my emergency savingsAnd Now, the Questions:I'm trying to figure out whether I should try to pay off a larger chunk of the student loans now, or if I should start investing. If I only make the minimum payment ($280) on my bigger loan, I'll be chipping away at it for 20 years and will end up paying a horrifying amount in interest. If any of you were in my shoes, would you go ahead and start the retirement and HSA accounts? Would you hold off until the loans were significantly reduced? Pay off the smaller balance with the 5% interest first, then snowball those payments into the larger balance at 6.125%? Or tackle the bigger balance aggressively until I get it to a point that the effects of the extra 1.125% on that balance doesn't hurt so much?If I were to go ahead with the Roth, would you recommend TradeKing or E*Trade? I know TK is the cheaper of the two, but only E*T offers access to foreign markets, which I know are important for diversification. Is it worth the extra fees now to have access to foreign stocks, or should I go the cheaper route and stick to US investments until I have more money available for investments and related commissions and fees? 
I know this is a helluva lot to read and tackle at once, but I'd really appreciate any and all feedback on any portions of this you feel like tackling. And I'm happy to sit around for hours and plug things in via Excel--I'm just so burnt out on research and reading and tabulating I think I could use some good advice and clearer direction. It seems like everything I read, and every person I talk to, offers 100% conflicting advice. I guess there's no "one golden answer", but I'd gladly take a few silver or copper ones.Thanks!
Khee
Over the last several times that I've done my federal income taxes, Turbo Tax has prompted me in the direction of making a last-minute contribution to an IRA. In the past, I've been earning enough in interest in savings to make me disregard the prompts, but this year it has been under reconsideration, as I have enough money set aside in an emergency fund to fully max an out my IRA. The interest being paid on that specific account has slowly been whittled down to .5% by the bank, so it's little better than cramming Benjamins in the proverbial mattress. Is there a calculation I can do on tax savings by dumping it in an IRA prior to filing this year? I'm rather good at math, but lack the knowledge on how to compare the 'what-ifs' of this situation. Thanks...
Garmin Nuvi 3750 4.3-Inch Portable GPS Navigator Manufacturer RefurbishedGPS 3750Product DescriptionGarmin Nuvi 3750 4.3-Inch Portable GPS Navigator Manufacturer RefurbishedSimply connect the vehicle power cable to the vehicle suction cup mount with speaker for GPS useExperience uniquely personal navigation from the elegantly slim nvi 3750. It features a multi-touch glass display, nRoute technology with trafficTrends and myTrends, and lane assist with junction view.Less than 9-mm thick.

Versatile and compact for car or pedestrian use.Award-Winning Design
The new nvi is less than 9-mm thick, about the same as a standard #2 pencil. It has a full glass 4.3-inch diagonal multi-touch display. Dual orientation capabilities allow you to use the nvi 3750 either horizontally or vertically, fitting smartly in your hand when walking. Sleek design also disappears neatly into your pocket or purse. With a rechargeable lithium-ion battery, it's ready to guide you by car or foot.Experience nRoute Technology with trafficTrends and myTrends
Smart and good-looking, this uniquely personal navigator comes with advanced routing capabilities that include trafficTrends and myTrends. There's no subscription necessary and no added costs; your nvi 3750 just does it.With trafficTrends, your nvi 3750 automatically learns daytime trends for traffic flow to improve your routes and better predict your estimated time of arrival based on time of day and day of week. And you get free trafficTrends updates every time you connect your device to myGarmin.With myTrends, when you save your regular destinations in your "Favorites," your nvi 3750 will, over time, begin to figure out where you're going even without your telling it! It provides time of arrival and relevant traffic information. So whether you're driving to and from work, or a regularly scheduled weekly event, your nvi 3750 will help you get there on time.Know the Lane Before It's Too Late
No more guessing which lane you need to be in to make an upcoming turn. Lane assist with junction view guides you to the correct lane for an approaching turn or exit, making unfamiliar intersections and exits easy to navigate. It realistically displays road signs and junctions on your route, along with arrows that indicate the proper lane for navigation.Dual-orientation capabilities allow you to use the nvi 3750 either horizontally or vertically, fitting smartly in your hand when walking.
Navigate City Transit
With its enhanced pedestrian navigation capabilities and dual-oriented screen, nvi 3750 is the perfect travel companion to help you get around town. Download optional cityXplorer content to help you navigate the big city. In addition to knowing where to walk or where to catch the bus, subway, tram, or other transportation, you'll also have access to mass transit schedules and estimated travel time to your destination. cityXplorer maps are available for select cities throughout North America and Europe. And with prices as low as $9.99, you'll have money left over to spend in the big city.Get Turn-by-Turn Directions
nvi 3750 has an intuitive interface that greets you simply: "Where To?" and "View Map." Touch the color screen to easily look up addresses and services, and get voice-prompted, turn-by-turn directions that speak street names to your destination. It comes pre-loaded with detailed City Navigator NT street maps for the U.S, Canada, and Mexico, with nearly 6 million points of interest (POIs), such as stores, restaurants, hotels, entertainment venues, gas stations, ATMs and more, as well as speed limits for most major roads.Go Beyond Navigation
Also offered on nvi 3750 are standard nvi features that go beyond navigation. For example, ecoRoute--a green feature that helps you calculate a more fuel-efficient route, tracks fuel usage, and more. Also included are travel tools such as a JPEG picture viewer, world travel clock with time zones, currency converter, measurement converter, calculator, and more. With photo navigation, you can download pictures from Garmin Connect Photos and navigate to them. It's also compatible with lifetime traffic alerts (receiver purchase required). With its "Where Am I?" emergency locator, you always know your location. Simply tap the screen to get your exact latitude and longitude coordinates, the nearest address and intersection, and the closest hospitals, police stations, and fuel stations. It also has Garmin Lock, an anti-theft feature, and is compatible with our free Garmin Garage where you can download custom voices and vehicles. Enhance your travel experience with optional plug-in microSD cards.What's in the Box:nvi 3750
Preloaded City Navigator NT North America (U.S., Canada and Mexico)
Vehicle suction cup mount with speaker
Vehicle power cable
USB cable
Quick start manualAdditional warranty available for purchase
eBay Coupons
The easy-to-use widescreen Nvi 2300LM speaks street names and includes lifetime maps for the lower 48 states, Hawaii and Puerto Rico.Includes Lifetime Map UpdatesGPS Link...
Right out of the box, the nvi 2300LM comes bundled with nMaps Lifetime. Which means you can download the newest map data when it becomes available no monthly fees or maintenance costs for the lifetime of your device.Turn-by-turn Directionsnvi 2300LM has an intuitive interface that greets you with 2 simple questions: Where To? and View Map. Touch the color screen to easily look up addresses and services and get voice-prompted, turn-by-turn directions that speak street names to your destination. It comes preloaded with detailed City Navigator NT street maps for the continental U.S., Hawaii and Puerto Rico with nearly 6 million points of interest (POIs) including stores, restaurants, hotels, entertainment venues, gas stations, and ATMs, and speed limits for most major roads in the U.S. and Europe. And with HotFix satellite prediction, nvi calculates your position faster to get you there quicker.Go Beyond NavigationAlso offered on nvi 2300LM are standard nvi features that go beyond navigation:nRoute Technology trafficTrends and myTrends to better predict your estimated time of arrival and improve your routes
enhanced pedestrian navigation capabilities pairs great with optional cityXplorer maps to navigate big cities
ecoRoute a green feature that calculates a more fuel-efficient route and tracks fuel usage
travel tools JPEG picture viewer, world travel clock with time zones, currency converter, measurement converter and calculator
Where Am I? emergency locator get your exact latitude and longitude coordinates, the nearest address and intersection, and the closest hospitals, police stations, and fuel stations
anti-theft feature Garmin Lock
custom voices and vehicles from Garmin Garage
microSD card slot
If you purchase a nMaps Lifetime subscription (sold separately or bundled together with certain GPS models), you will receive up to 4 map data updates per year, when and as such updates are made available on Garmins website, for 1 compatible Garmin product until your products useful life expires or Garmin no longer receives map data from its third party supplier, whichever is shorter. A products useful life means the period during which the product (a) has sufficient memory capacity and other required technical capabilities to utilize current map data and (b) is capable of operating as intended without major repairs. A product will be deemed to be out of service and its useful life to be ended if no updates have been downloaded for such product for a period of 24 months or more. Unless otherwise stated, the updates you receive under the subscription will be updates to the same geographic map data originally included with your Garmin product when originally purchased. In some instances, your Garmin product might not have sufficient memory remaining for you to load an update to the map data, in which case you will need to either (a) select reduced map data coverage for your updates, or (b) purchase separately a microSD/SD card (if and as applicable to your Garmin product) and load all or a portion of the map data coverage for your updates to the card and insert the card into the microSD/SD card slot contained in your Garmin product. If neither of the measures in (a) or (b) can be used to address your products lack of sufficient remaining memory, then Garmin may conclude that the useful life of your product has expired. Garmin may terminate your nMaps Lifetime subscription at any time if you violate any of the terms of this agreement or your subscription. Your nMaps Lifetime subscription may not be transferred to another Garmin product.
What's in the Box:Nvi 2300
Preloaded City Navigator NT data for the lower 48 states, Hawaii and Puerto Rico (no Alaska or Canada detail)
Lifetime maps (indicated by "LM" after model number on the box)
Vehicle suction cup mount
Vehicle power cable
USB cable
Quick start manual
Reburb Garmin Nuvi 2455LMT 4.3" Portable W/ Lifetime Maps + Traffic
GPS Link
Preloaded City Navigator NT North America (U.S., Canada, Mexico, Puerto Rico, U.S. Virgin Islands, Cayman Islands and Bahamas)Overview:Whether you're driving through an unfamiliar city or on your daily commute, nvi 2455LMT makes your trip easier than ever before. It includes FREE lifetime traffic and map updates, advanced lane guidance and more.Get Turn-by-turn DirectionsGarmin Guidance 2.0's intuitive interface greets you with 2 simple choices: "Where To?" and "View Map." Touch the screen to easily look up addresses and services and to be guided to your destination with voice-prompted, turn-by-turn directions that speak street names. It comes preloaded with maps for North America. It also includes more than 8 million points of interest (POIs) and offers the ability to add your own.Avoid Traffic Tie-upsWith FREE lifetime traffic updates from 3D Traffic, our most extensive traffic avoidance system, nvi 2455LMT can help you avoid delays. We check traffic conditions more than 2 billion times each month, so you can easily reroute around congestion and arrive on time.Enjoy FREE Lifetime Map UpdatesWith FREE lifetime map updates, you always have the most up-to-date maps, POIs and navigation information available at your fingertips. Map updates are available for download up to 4 times a year with no subscription or update fees and no expiration dates.Know the Lane Before It's Too LateNow there's no more guessing which lane you need to be in to make an upcoming turn. Available in select metropolitan areas, photoReal junction view makes unfamiliar intersections and exits easy to navigate. When you approach an exit or interchange, nvi 2455LMT will enter split screen mode and show you a realistic depiction of junctions on your route, complete with road signs and arrows that indicate the proper lane for navigation.Go Beyond NavigationPoint-to-point navigation is just the beginning. nvi 2455LMT features a microSD card slot so you can store and use detailed cityXplorer maps or download custom voices and vehicles for free from the Garmin Garage. Dual-orientation functionality lets you hold the nvi vertically or horizontally for added convenience driving or walking. The "Where Am I?" emergency locator provides your exact latitude and longitude coordinates, the nearest address and intersection, and the closest hospitals, police stations and more. And Enhanced Exit Services tells you what services you're approaching on the highway.Features:View routes on the 4.3" (10.92 cm) touchscreen.
Enjoy FREE lifetime map and traffic updates.
Avoid traffic tie-ups with 3D traffic, subscription-free live traffic updates from the our extensive traffic avoidance system.
Know which lane to be in thanks to advanced lane guidance with exclusive photoReal junction view.
Use in portrait or landscape mode.
See whats coming with Enhanced Exit Services.
Get fast route calculations and address look ups with Garmin Guidance 2.0.Additional
Featuring Garmin Guidance 2.0, an advanced navigation engine with a faster, more intuitive user interface to enhance the speed and accuracy of searches and routing for everyday driving.
This USB device is compatible with Windows XP or newer and Mac OS X 10.4 or later.
This item is refurbished or 'Newly Overhauled' direct from the Garmin factory. What does refurbished mean?This is the answer direct from Garmin: These are systems that have been returned to Garmin from either an end user or dealer that may or may not have been used. Many of the units Garmin gets back from their larger retailers are actually found to be working fine, but end users have returned them for any number of reasons. Whereas some units do come back with real failures. Garmin therefore takes all these units that come back, tests them out and, if necessary, does repairs to bring them back to "like new" status. Garmin also ensures they have the latest software update. These units are therefore as good as new, but since they have been in the field, cannot be sold as new. Garmin then offers them to their dealers at a discounted price and offers a full one year warranty, just as they do on new systems. These systems are not new, but are as good as new.What's In The Box:nvi 2455LMT
Preloaded City Navigator NT North America (U.S., Canada, Mexico, Puerto Rico, U.S. Virgin Islands, Cayman Islands and Bahamas)
Lifetime maps and traffic (indicated by "LMT" after model number on the box)
3D traffic receiver with vehicle power cable
Vehicle suction cup mount
USB cable
Quick start manual
1 Year Warranty (Contact Manufacturer for full warranty details)
eBay Coupons
ONE DAY ONLYhttp://outdoors.dailysteals.com/Condition: New
Packaging: Hassle-Free
Warranty: 1 YearProduct Features:
Jump-start a car without opening the hood
Connect two vehicles between the 12V sockets
Charges quickly
Simple and safe operation
Plug and charge simplicity
Green and red LED indicators display battery status
Convenient cable storage mechanism
Compact and portable
Fits in car trunk or glove boxWhat You Get:
Emergency Car Charger
Emergency Warning 6 LED Flasher Triangle, Sale $6 Reg $20.00 Free Shipping at Dailysteals
http://outdoors.dailysteals.com/
Text
http://www.sears.comDieHard Gold Wheeled Battery Charger with Timer Control & Engine Starter
Sears Item# 02871240000 | Model# 71240 $169.99 Now $109.99 Savings applied in cart
Sold by Sears
Product Description Charge In A Hurry With The 6V/12V Diehard Engine StarterFor portable emergency charging, rely on the Diehard Battery Charger with Wheels. The manually operated Gold battery charger can start any 12V or 6V lead-acid battery, making it suitable for charging all types of vehicles ranging from cars, trucks, motorcycles, RVs, boats to farm equipment. Choose the 250 amp option for a jump start, or between 50, 15 and 2 amp for charging.The Diehard Engine Starter comes with a dial for timer-controlled shutoff so you don't have to watch over the charging process. It comes in a sturdy powder-coated steel case, features a color-coded analog ampmeter gauge, an ergonomic aluminum carrying handle and wheels for easy maneuverability. Also included are a 6 ft. 8AWG output cable and clamps. The Diehard Battery Charger with Wheels is a great choice for those looking for a manually operated battery charger with engine starter and timer control
Able to start 12V and 6V vehicles and farm equipment
250, 50, 15 and 2 amp for versatile usage
Timer Control Dial for automatic shut-off, UL listed
Features include powder-coated steel case, color-coded analog ammeter gauge and ergonomic carrying handle
Wheeled for greater portability and ease of use
Comes with 6 ft. Power cord and 6 ft. 8AWG output cable
Some assembly may be required
Sears Coupons
HF 3200/4000 watt generator, 299.99 plus 6.99 shipping with coupon
Added on : Thursday February 28th 2013 11:00:06 AM
It's on sale for $329, but the coupon in their latest circular is for 299.99. Standard FedEx ground is 6.99. Be sure to double check shipping charge, as this thing weighs 100+ pounds.Generally gets good reviews, and there aren't many generators at this price point with a 220v outlet that can be wired into a whole-house setup for emergency power.Coupon number is 59446018. Works on the web site.http://www.harborfreight.com/212cc-4000-watts-max3200-watts-rate...
GUL Cash fund
Added on : Wednesday February 27th 2013 12:01:00 PM
Other day I called Metlife and asked about Cash fund. They told that I could deposit the amount from my payroll tax free.
I was interested in getting opinions about whether people here think this would be a good place to put emergency money or savings.Here are some of the plan details:- The GUL cash fund is a way to save money. A cash accumulation fund is cash that you choose to contribute to your Group Universal Life insurance program over and above the cost of your life insurance coverage. Contributions earn tax-deferred interest. - The interest you earn in the cash accumulation fund is not taxed until it is withdrawn. - Withdrawals from the cash accumulation fund are often paid out tax-free. If the withdrawal does not exceed the total amount of contributions, including cost of insurance, the withdrawal is generally tax-free.- The interest rate credited to the entire account balance will never be less than a guaranteed interest rate of 4% and rate depends on the market. No Bank pays that rate of interest at this time or in near future.- I am told u can withdraw amount any time. Or get a loan( not clear why I would do that)
Did any FWers considered depositing in Cash fund? If so whats ur thought.
Should I use my tax refund for paying down student loans?
Added on : Sunday February 24th 2013 11:01:00 PM
I just received a $4100 tax refund from the federal government. I am also anticipating ~$500 back from my state. I was thinking I should probably Monthly expenses:Post tax income3850
Rent -800
Internet-22.5
Utilities-50
Cell Phone-60
Auto Loan-295
Student Loans-370
Food -250
Car Insurance-139
Car Maintenance-200
Total expenses: 2186.5
Remaining Balance: 1663.5
(note this is listing minimum loan payments, I typically contribute extra to my loans each month)Assets:
Checking account: 5690 (this includes the federal tax refund)
Savings account: 5280
Various stock holdings: ~4000
Total Assets: $14970Debts:
Student Loan @7.59% 2444
Student Loan @6.55% 13700
Student Loan @4.2% 15350
Auto Loan @1.49% 17000
Total debt: $48494I guess this is ultimately a question about how big one's emergency fund should be. I have expenses of around $2186 per month, meaning that if I wanted a 6 month emergency fund I should have around $13,000 in liquid assets. Currently I only have about $11000. I was thinking of paying off my 2.59% student loan but that would only leave me with about 4.5 months of living expenses. What do you guys think?
Best preparing for getting fired/laid off? Negotiation tactics?
Added on : Wednesday February 20th 2013 02:01:23 PM
Sorry, I know it's frowned upon, but I'm using an alt-id, as many of my friends know my username and I'd rather keep this private so I hope you fellow FWF friends understand. I hope no-one gets into this situation, but I guess it would be good to figure out the best way to deal with it.Right now I'm working at a technology company as a recruiter, (salaried employee in CA). I understand that CA is an "at-will" state and my employer can fire me anytime they want for any or no reason. In the past couple of weeks, I've gotten myself into a potential misconduct issue. I am responsible for recruiting tech talent, and ended up declining potential candidates as I knew someone that had a referral in the pipeline that I wanted to prioritize. My manager caught wind and I confessed to it yesterday (without HR present).My manager had no idea what to do so he brought up the issue to his boss, and he said he would "get back to me." By this, I feel like he's just going to wait for Friday to give me the bad news, and escort me out so I'd like to try to figure out my mitigation plan. As I understand it, when I am terminated they will ask me to sign away my legal rights (i.e., not sue the company for wrongful termination), so I am trying to build a case in my head as to how to best negotiate my termination letter. I'm not worried so much about money (thankfully for FWF I have an 18 month emergency fund in place), but about trying to get my next job without looking like I got fired.A few things I think I have going for me -- I've been at the company for 5+ years, and promoted twice. No issues with performance and never put on a performance improvement plan (PIP). A risk for them is that my wife gave birth about two months ago, and I still qualify for paternity leave. I also have a month sabbatical (unpaid) that I haven't used yet, and a month of time off. I understand that even though we're "at-will" they will still need to build some kind of case to prevent being sued for wrongful termination.I'm going to make the best of the situation so I won't be freaking out or begging for my job back, I know better than that. What I'm planning to do is when they give me the termination letter, refuse to sign the sheet unless they agree to the following reasonable terms (starting from highest priority):1) Mark my leave as voluntary (would help me with my future job search, though as I understand I wouldn't be eligible for UI)
2) Allow me to exhaust my time off while being considered as an employee on paper, including paternity leave and sabbatical. This should buy me about 4-5 months of time to search for a new job.
3) Fight for some benefits (this isn't necessary but I might as well bring it up) -- this place is known to give severance packages even for employees that are fired. Also try to fight for a few months of paid health benefits while I search for a new job. My wife has pretty good benefits so I'm not worried about that either.I'd want #1 and #2 for sure, but #3 is just an extra. If they don't agree I will refuse to sign on the spot and meet with an employment lawyer (contingent basis). Any other tips you can provide?
Please go easy. This is my first post. (-: Menards has the First Alert 10.6 cu. ft. Digital Fire Resistant Deluxe Executive Gun Safe on sale today for $449 with free ship to store option. $449 is the actual price, not an 'after rebate' price. The sale ends at midnight EST. Link Holds up to 18 guns. Includes hanging accessory door pouches, key rack, LED light, and emergency override key.
Please go easy. This is my first post. (-: Menards has the First Alert 10.6 cu. ft. Digital Fire Resistant Deluxe Executive Gun Safe on sale today for $449 with free ship to store option. $449 is the actual price, not an 'after rebate' price. The sale ends at midnight EST. Link Holds up to 18 guns. Includes hanging accessory door pouches, key rack, LED light, and emergency override key.
The $14,000 question
Added on : Friday February 15th 2013 04:01:07 PM
I've got 14k in CC debt on various cards that are about to end (at 0%) and 14k in savings and I'm about to transfer everything over to a NFCU CC for 0% for 12 months.While the idea of OPM and getting a 12 month interest free loan is appealing, in running the numbers, I'm realizing that decent CC/Credit Union/Brokerage bonuses meet or exceed the $105 that the savings account would earn (ignoring the fact that the interest rate could drop even further.)My credit rating has taken a bit of a dip because of utilization and 3 recent hard inquiries (Barclay NFL, NFCU, and a mortgage refi) and 2 other hard pulls are still there 1 has a couple months left before it falls off I think.Pros of leaving it in savings: emergencies, arbitrage opportunities (within reason), account opening bonus opportunities, $105 in interest (or less, depending).
Cons of leaving it in: false sense that I have that money to spend, credit score issuePros of paying it off: peace of mind, credit score, no temptation to spend/arbitrage money earmarked for debt
Cons of paying it off: huge emergency cushion gone (I have about 1 month's salary emergency fund right now, trying to grow that), $105 lost, other opportunities lost. I'm thinking of paying off half that would leave some wiggle room for emergencies/account opening bonuses, and my credit utilization, especially on the single card, would be down to reasonable levels and thus if a CC bonus offer came along that was worth a hard pull, I could do it.I've also considered moving half into a Lending Club account or some ETFs on the lower risk scale.I realize that like everything the answer lies within my own goals and comfort zone. But it kind of shocks me to think that with $14k on the table if I want absolute low risk I would have been better off taking a hard credit pull hit for a $200 bonus CC than a 12 month no interest/no transfer fee card.
http://www.mynowclinic.com/riteaid/coupon code is RA222 valid to 5/18/131. No controlled substances may be prescribed. Other prescriptions may be available where clinically appropriate and permitted by law, and can be transmitted to the pharmacy of your choice.
2. NowClinic online care requires Internet Explorer version 7 and higher, Firefox version 2.0 or higher, or Safari version 4.0 or higher.
3. OptumHealth nurses and independent providers are available online via NowClinic and are NOT ONSITE in Rite Aid stores or affiliated with Rite Aid. NowClinic is not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. . 2012 NowClinic, OptumHealth
Terms of Service Contact us Privacy Policy OptumHealth and NowClinic online care are NOT an insurance product, a UnitedHealthcare covered benefit, health care provider or a health plan. NowClinic online care is an internet-based service of OptumHealth that allows consumers to select and interact with independent physicians and nurses and other health care providers. NowClinic is not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Not all NowClinic services are available at all times or in all locations. If NowClinic fees apply, the consumer is responsible for payment of health care services at the time of service. Any promotional or discounted pricing applies only to the initial 10-minute NowClinic visit and may change at any time, unless otherwise stated. Additional fees may apply to an extension of the initial 10-minute visit. Services provided via NowClinic online care are not submitted to any private or public health insurance/health plan company for payment on your behalf. Payment for NowClinic services does not cover pharmacy charges; you must pay for prescriptions (if any) separately. No controlled substances may be prescribed. Other prescriptions may be available where clinically appropriate and permitted by law, and can be transmitted to the pharmacy of your choice. Rite Aid and OptumHealth are completely independent entities. NowClinic online care is offered by OptumHealth. In-store pharmacy services are provided by Rite Aid.
http://www.mynowclinic.com/riteaid/coupon code is RA222 valid to 5/18/131. No controlled substances may be prescribed. Other prescriptions may be available where clinically appropriate and permitted by law, and can be transmitted to the pharmacy of your choice.
2. NowClinic online care requires Internet Explorer version 7 and higher, Firefox version 2.0 or higher, or Safari version 4.0 or higher.
3. OptumHealth nurses and independent providers are available online via NowClinic and are NOT ONSITE in Rite Aid stores or affiliated with Rite Aid. NowClinic is not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. . 2012 NowClinic, OptumHealth
Terms of Service Contact us Privacy Policy OptumHealth and NowClinic online care are NOT an insurance product, a UnitedHealthcare covered benefit, health care provider or a health plan. NowClinic online care is an internet-based service of OptumHealth that allows consumers to select and interact with independent physicians and nurses and other health care providers. NowClinic is not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Not all NowClinic services are available at all times or in all locations. If NowClinic fees apply, the consumer is responsible for payment of health care services at the time of service. Any promotional or discounted pricing applies only to the initial 10-minute NowClinic visit and may change at any time, unless otherwise stated. Additional fees may apply to an extension of the initial 10-minute visit. Services provided via NowClinic online care are not submitted to any private or public health insurance/health plan company for payment on your behalf. Payment for NowClinic services does not cover pharmacy charges; you must pay for prescriptions (if any) separately. No controlled substances may be prescribed. Other prescriptions may be available where clinically appropriate and permitted by law, and can be transmitted to the pharmacy of your choice. Rite Aid and OptumHealth are completely independent entities. NowClinic online care is offered by OptumHealth. In-store pharmacy services are provided by Rite Aid.
$80 discount. Great gift for your Valentine???LinkThis Generac GP6500 8,000-Watt Gasoline-Powered Portable Generator is ideal for use as a backup power source during home emergencies, camping excursions, jobsite tasks and outdoor events. This generator offers four 5-20R 120-volt outlets and 1 L14-30R Twist-Lock 120/240-volt outlet with covers for protection from tampering and debris. 8,000-watt peak and 6,500-watt running power provides reliable power for home emergency use, camping, jobsites and outdoor events
7.2-gallon fuel tank runs the generator continuously for up to 10 hours on 50% load
389 cc engine runs on gasoline
Four 5-20R 120-volt outlets and 1 L14-30R Twist-Lock 120/240-volt outlet
Outlet covers offer protection from the elements
Circuit breakers help provide overload protection
Muffler helps ensure quiet operation
Hour meter tracks maintenance requirements
Automatic shutoff when oil levels are low to help prevent engine damage
Wheels and handles help provide easy portability
Includes engine oil and quick-start guide
Click on the More Info tab to download the specifications pdf to view the wattage requirement guide
Does not come with power cord
MFG Brand Name : Generac
MFG Model # : 5940
MFG Part # : 5940
Home Depot Coupons
Taking out home equity loan to pay for student loans?
Added on : Wednesday February 13th 2013 04:01:23 PM
Here is our situation. We own our home outright. Appraised at 382K last summer when we bought it. The reason we are able to own our home right now is that we were extremely fortunate and my parents bought the house for us outright with cash. They are extremely well off, and I have never asked my parents for any money, so they did this for us. Since I was 18 I have never asked or taken any money from my parents, worked hard through college and grad school to fund my own education, so that I graduated debt free. However, my wife has about $145k in student loans (mainly due to graduate school), at 4.85% currently. Min payment is about $900/month; my wife has actually been paying down approx $3k per month. Last year, she paid about $8k in interest on the student loans. Currently, we are living quite comfortably. Our combined gross annual income is right about 300k. We are both maxing out our 403bs and 457s (instead of 401k because we work for the same government institution). We have about 120k saved in our liquid emergency fund. Our jobs are both quite stable (like I said, we both work for the same government institution), and we could easily just pay the minimum on her loan and forgot about it for the next 20 years or however long it takes to pay it off. However, like I mentioned, I was always careful with money and even though I have a well paying job now, I still try to maximize rewards/minimize interest payments. Im lucky that my familys wealth did not make me a spoiled brat, unlike some of my cousins. My question is, should we take out a home equity loan to pay for the student loans? If we borrow about 140K, and repay over 5 years or 10 years, Im guessing I can get a rate between 2.5 to 3%. That would make our monthly payment in the $2500 range for the 5 year option and $1500 for the ten year option. Remember, my wife has been paying down about 3k a month anyways.
Multiple insurance f. accident on somebody's property
Added on : Wednesday February 13th 2013 02:01:02 PM
A friend's daughter had an accident while playing at another friend's house. Had to go to the emergency room, charged it to health insurance. $2000 bill, based on negotiated rate, health insurance paid 1000, the rest forgiven as negotiated rate. Fast forward, our friend's homeowner insurance sends parents a check for $2000, say they owe that to parent of injured kid. Also, health insurance sent some company doing claim subrogation after parents to ask where accident was. Since then, parents haven't heard from anybody.Net result is parents have $2000 extra, covering medical claims. What to do now? What are parents legally required to do? (Friend's insurance had a cover letter we should contact health insurance. Parents haven't done this so far.) Parents are whole for now -- not quite, daughter has an ugly scar that hurts when she wears shoes, so eventually parents will need to deal with that. Parents also both work and have two kids that keep them busy, so at some level parents really don't want to rock the boat and open insurance hell on something that seems to be dormant. I assume eventually the subrogation company or health plan will contact parents? Do parents have any benefit to contact them before? Are parents legally required to do so? One concern would be that keeping the money might be viewed as double insurance claiming and raise a legal concern for parents? Again, parents are busy enough already and don't want to be proactive in any ways they are not required to be, because parents can spend energy better elsewhere, e.g., their family, their work, etc., and nobody reimburses parents for hours spent on the phone with insurance companies. Parents don't need their money -- however, parents will eventually need to have any procedures to deal with the painful scar be covered, and friend's insurance has a low medical limit -- so parents would rather apply that limit to dealing with the scar than to covering emergency room treatment, but assume parents have no say in what order medical coverage will be applied to. Would health plans usually cover (what might be called "plastic surgery") to deal with scar on foot that makes wearing shoes uncomfortable that are due to an accident, or is this where parents would have to end up suing our friends to go after their liability insurance?
Multiple insurance f. accident on somebody's proerty
Added on : Wednesday February 13th 2013 12:01:15 PM
A friend's daughter had an accident while playing at another friend's house. Had to go to the emergency room, charged it to health insurance. $2000 bill, based on negotiated rate, health insurance paid 1000, the rest forgiven as negotiated rate. Fast forward, our friend's homeowner insurance sends parents a check for $2000, say they owe that to parent of injured kid. Also, health insurance sent some company doing claim subrogation after parents to ask where accident was. Since then, parents haven't heard from anybody.Net result is parents have $2000 extra, covering medical claims. What to do now? What are parents legally required to do? (Friend's insurance had a cover letter we should contact health insurance. Parents haven't done this so far.) Parents are whole for now -- not quite, daughter has an ugly scar that hurts when she wears shoes, so eventually parents will need to deal with that. Parents also both work and have two kids that keep them busy, so at some level parents really don't want to rock the boat and open insurance hell on something that seems to be dormant. I assume eventually the subrogation company or health plan will contact parents? Do parents have any benefit to contact them before? Are parents legally required to do so? One concern would be that keeping the money might be viewed as double insurance claiming and raise a legal concern for parents? Again, parents are busy enough already and don't want to be proactive in any ways they are not required to be, because parents can spend energy better elsewhere, e.g., their family, their work, etc., and nobody reimburses parents for hours spent on the phone with insurance companies. Parents don't need their money -- however, parents will eventually need to have any procedures to deal with the painful scar be covered, and friend's insurance has a low medical limit -- so parents would rather apply that limit to dealing with the scar than to covering emergency room treatment, but assume parents have no say in what order medical coverage will be applied to. Would health plans usually cover (what might be called "plastic surgery") to deal with scar on foot that makes wearing shoes uncomfortable that are due to an accident, or is this where parents would have to end up suing our friends to go after their liability insurance?
Kill the mortgage, or do something else?
Added on : Sunday February 10th 2013 09:01:02 AM
29 years old and married, excellent credit, bought house in 2009 for $220K at 4.5%/30yr. $161K left on mortgage. House value has probably lost 2-3% at most (was appraised at $223k), but is still in the ballpark.We don't make a bunch of money, but live cheap and easily make our mortgage payment. We have a solid nestegg in our collective savings and I suppose if we scraped together every cent in every non-retirement account, we could probably pay off the mortgage with absolutely nothing left -- obviously do not want to do that. Why all this money just sitting around?? Basically, just living cheap and having a general fear of investing.Quite honestly in the beginning, I was complacent in paying extra toward the mortgage and in a way, just ignorant. I hadn't really stared long enough at the amortization tables to see how much paying early, extra, helped matters. We HAVE been paying a tiny bit extra toward the principal here and there, but nothing drastic. With interest rates on personal banking accounts being in the crapper and the tax deduction dwindling to basically nothing, it is really making me ill to see how much interest we're paying, especially given my "fear of investing" as previously stated. I'm actually obsessing over doing something more intelligent with the savings and this seems like the sure bet.The catch, is that I'm not sure how much longer we will stay in the home. Maybe 1 year... maybe 3 years, but I'd say no more than 5 at maximum.Even if we moved 8 months from now, correct me if I'm wrong, but doesn't it still make sense to pay toward the mortgage as much we can given that we have emergency savings? It is still an OWED amount we are paying interest on. I keep hearing "don't worry about it until you get into your next home" -- but I can't wrap my head around that. I guess the only question is whether we throw a re-fi consideration into the mix. I presume if we stay more than 1 year, the 15 year re-fi makes sense -- I'm not fully aware of the fees involved though.
Withdraw Roth IRA to fund down payment first-time homeowner (Age 26)
Added on : Saturday February 09th 2013 08:00:58 PM
This is probably the biggest debate I had ever done but I really want to be homeowner in my life now. Also there are extra costs with the house from buying furniture, appliances, doing repairs, etc that is understood by me. Currently, I'm living with family right now and don't feel like renting an apartment as rates in Houston are going up at a significant rate. I would like to be a homeowner in the next 12-18 months from today.Currently, I have about 28k in a Roth IRA (5 years active), 30K in Roth 401k (3% match), 9k in HSA, 3k in brokerage account, 4 months worth in salary of emergency savings (job security is very high), and earn about over 45k per year depending on quarterly bonuses. Only debt that is active would be a car loan with 6K left at 2.99% (that will be paid off before I purchase the house)The big dilemma would be should I take some money of my Roth IRA to help fund the down payment on a first-time home ownership? Even though I'm a young still, I have a lot time on my side to still contribute to the max at least but understand I'm losing out on tens of thousands of dollars on future me when I'm older. Understand that it's not a lose-lose situation as I'm using my money from the Roth IRA to put equity into the house.. Brain tells me to hold off on it but emotionally I need to do it for wanting to do home ownership and independence reasons cause I don't want to live at home forever. Finally depending on the purchase price, probably raid from 5k - 15k from the Roth IRA and not take the whole amount out.Would do you guys think?
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Another real estate decision - should we just take the hit now?
Added on : Wednesday February 06th 2013 09:01:24 AM
I want to give a full picture of our situation. I posted a while ago (somewhat controversial) about refinancing our condo and your insights paid off. We live in MA where the real estate bubble was horrible. In 2005, we paid $210K for a condo and now owe $190K. The area is not the best and it was originally a 3-5 yr plan - before kids, although now we have one and, round trip, I have a 3 hour commute each day. We need/really want out, which I'll explain so I don't receive "deadbeat" or "you're the problem with this country". The finances:Mortgage payment: $1280 + $310 condo fee = $1590/month (taxes are ~$1,500)Earnings/Savings: HH income of ~$160K give or take ~$10K; max out my 401(k); my wife contributes to SEP; 6+ month emergency fund; college fund for daughter; very low bills (no credit cards, one small car payment); however, separate from all of that, we have $70K set aside to buy a new/second primary home.The idea was to refi to get the condo payment down and rent it out so we could buy a new home. We can get $1,200 in rent for the condo, which means we would pay $400 out of pocket every month to make up the difference. Horrible, I know, but walking away just isn't an option to us and we don't qualify for a short sale. We felt that we could take the $400 hit each month and "wait it out" perhaps forever/until paid off because I know this thing will never be worth what we paid (arguably, it never should be or the bubble will burst again). The "hit" would obviously be larger due to vacancy and maintenance etc.However, I recently joined the condo board as I figured it would be a great way to stay close to the building/tenants when renting it out and then I quickly realized that the reserves are in serious danger. So many people have walked away w/o paying condo fees ($17,500 condo fees in collection). The building is historically registered (I learned a valuable lesson there) and the whole board is quietly questioning the building's future and we are talking about another assessment, shortage of fees/revenues, needing to increase condo fees, and while the expensive granite facade is beautiful, it's extremely costly to maintain. Essentially, I can't fathom how this building will be maintained, in the long run, due to his historic age and constant need of repairs.Long winded, sorry. But the point is, not only is the condo unit a bad investment for us, which we were willing to ride out, but now the entire building just doesn't seem to have a bright future. This whole situation is very upsetting to us. Not a moment goes by without me stressing out about getting my young family in a house (schools etc.). Literally, whether right or wrong, I lose sleep over it.I just had three CMAs completed - all came in close with a value of ~$120K-160K. There is no way we get $160K.Say we could get an offer for $130,000: How effing crazy am I to give the bank my additional $70,000 now just to stop the bleeding and get this all behind us? Yes, we could rent it and take the $400/month hit (plus vacancies etc.), but that limits our next buy. Its such a crazy idea to give the bank our $70K, but I just think the whole situation needs to be over with. If we surrendered our savings, we could rent for year and then have a FHA etc. down payment for a house we want to be in. We would be out the $, but happy.Please help. Am I nuts?
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Had my eye on these for a while as they had been marked at $49.97 for a few weeks. Was at the Dedham, MA Costco today and they had dropped to $19.97. This is an amazing price. These are great for emergency preparedness but also for camping. Can't go wrong with a 20 year shelf life. The one's I got in Dedham had a manufacturing date of less than 3 months ago. As always, Costco clearance is store specific so YMMVHere's the link to the actual one that was available at the Dedham, MA store.
Here's the Food for Health items on Costco.com
I have been reading through various articles and websites, including the official government website "Healthcare.gov", because I am pretty confused about the new healthcare law and what it is actually going to change about health insurance in the US starting in January 2014. I'm wondering if anyone on FWF can help me understand certain details of it and possible scenarios for the future.I am particularly interested in how the new law is going to change "individual" health insurance policies (those not offered by an employer), but I'm also interested in learning how it will affect employer-provided coverage.[Of course, I don't mean this to get into politics, ethics, or anything of that nature. I have my opinions, others will have theirs, but this post is about the actual law and how it looks like it is going to work in practice.]The extra consumer protections and benefits brought in by the law sound nice, and there is the happy implication that the new protections and benefits will simply apply to everyone and every insurance plan, but in the details, it says that most of these protections and benefits will only apply to plans that were founded after March 2010. It is my present understanding - although perhaps I am wrong? - that plans founded before March 2010, even if you do not join them until January 2014 or later, apparently are "grandfathered" and don't have to obey most of this healthcare law.I should imagine that most employers that have over 50 employees and that have been in existence for a few years will have company health insurance plans that were founded before March 2010. That would surely be the case for most major employers in America - no? Will most employer health plans thus be exempt from the new law? Even if you get a new job in 2014 or later years, will your employer's health insurance plan not have to provide you the protections and benefits of this new law?Have most individual health insurance plans that are on the market today been going from before March 2010? Surely many or even most of them were in place then? If they were started before March 2010, these individual plans will be considered "grandfathered" and will never have to abide by the new law, is this right?What most concerns me is: What if most of the (few) insurance companies that offer individual health plans simply had decided in March 2010 that they will not start any (or not start many) new plans after that date, in order to force new customers (especially those joining a plan after the full law comes into effect for new plans on January 2014) to join a grandfathered plan (because the customers would have no other, or few, alternative plans to choose from).What if most of the benefits and protections of the new healthcare law that the government is promising do not come true for many people, because there will not be any (or many) new-plan insurance choices available for individual consumers / company employees?The govt is claiming that an "insurance marketplace" containing many new insurance plan options will be fully in place by October 2013, but as of January 2013, it's mainly a concept and not a reality, and a number of states have said they won't be ready for it -- or even that they will *refuse* to create one for their citizens.What are insurance companies doing to prepare for this new marketplace? Are they making new insurance plans to offer customers for 2014, or are they mostly sitting on their hands and planning to trot out their older plans (in existence since before March 2010) that will be not be much affected by the new law?What if this 2014 "marketplace" is nearly devoid of newly-created (after March 2010) plans that one can join (especially on the individual level)? Does that mean that most of the people looking for insurance in 2014 and later years won't get any of the benefits and protections that the new law is meant to give them? Is it possible that the insurance market post-2013 is going to be as messed-up, expensive, unfair, and unhealthy as it was prior to this new healthcare law's having been passed? (At least for a number of years, until new plans simply have to be created by the insurance companies, and older plans have to be retired for one reason or the other?)If I've missed some key information somewhere, or am not viewing this logically, please let me know.===
Sorry that this post is already quite long, but here are some selected quotations from Healthcare.gov. My questions are in brackets and capital letters:
from: http://www.healthcare.gov/marketplace/about/index.htmlWhen key parts of the health care law take effect in 2014, therell be a new way to get health insurance: the Health Insurance Marketplace. The Marketplace is designed to help you find health insurance that fits your budget, with less hassle. Every health insurance plan in the new Marketplace will offer comprehensive coverage, from doctors to medications to hospital visits. You can compare all your insurance options based on price, benefits, quality, and other features that may be important to you, in plain language that makes sense.
[BUT HOW ABOUT INDIVIDUAL HEALTH INSURANCE PLANS THAT WERE STARTED BEFORE MARCH 2010, AND AS SUCH ARE CONSIDERED GRANDFATHERED PLANS, WHICH DON'T HAVE TO ABIDE BY THE NEW HEALTHCARE LAW - WILL THOSE PLANS ALSO BE OFFERED IN THE "NEW MARKETPLACE"? IF NOT, HOW WILL THEY BE SOLD? WILL THEY STILL BE SOLD? IS THERE ANY CHANCE THAT IN PARTICULAR STATES THERE WILL NOT BE ANY INDIVIDUAL HEALTH INSURANCE PLANS AVAILABLE TO JOIN IN 2014 *EXCEPT FOR* GRANDFATHERED PLANS THAT WERE CREATED BEFORE MARCH 2010 AND THUS EXEMPT FROM THE NEW LAW?]Under the health care law, there will also be new protections for you and your family. Health insurance companies can't refuse to cover you or charge you more just because you have a chronic or pre-existing condition, and they cant charge more for women than for men.
[THIS SOUNDS SO REASSURING, BUT ACTUALLY, THIS IS *NOT* GOING TO APPLY TO EVERY INSURANCE PLAN IN 2014 AND LATER YEARS - IS THAT RIGHT?]
from: http://www.healthcare.gov/using-insurance/understanding/services...No matter what kind of coverage you have, its important to know whats covered and whats not. Starting in 2014, certain essential health benefits will be covered under all policies.
[THEY SAY "ALL" ABOVE, BUT JUST BELOW, THEY SAY IT'S ONLY "NEW" PLANS THAT COVER ESSENTIAL HEALTH BENEFITS.]Starting in 2014, new individual plans and plans purchased in an Affordable Insurance Exchange will have to cover essential benefits like hospitalizations, doctor services, prescription drugs, rehabilitation and mental health services, pregnancy, and newborn care. Also, there will be limits on how much you have to pay out-of-pocket each year for covered services....[N]ew individual insurance policies (and job-based plans) are not allowed to exclude coverage for pre-existing conditions or disabilities
[BUT WHAT ABOUT OLDER INDIVIDUAL INSURANCE POLICIES THAT ARE STILL IN EFFECT AND STILL BEING SOLD IN 2014? IF YOU JOIN THEM IN 2014 OR LATER YEARS, CAN THEY EXCLUDE PRE-EXISTING CONDITIONS LIKE THEY ALWAYS DID?]Note: In 2014, for job-based plans, waiting periods for coverage of pre-existing conditions will be limited to 90 days.
[SO IF YOU JOIN A COMPANY IN 2014 OR LATER YEARS AND JOIN THEIR HEALTH INSURANCE PLAN, IF YOU HAVE ANY PRE-EXISTING CONDITION AS DECIDED BY THE INSURANCE COMPANY, YOU WILL STILL HAVE TO WAIT 3 MONTHS BEFORE ANY TREATMENTS FOR IT? EVEN IF THE COMPANY'S INSURANCE PLAN IS NEW AND NOT GRANDFATHERED?]
from: http://www.healthcare.gov/using-insurance/understanding/costs/in...Starting in 2014, new individual insurance policies (and job-based plans) wont be allowed to charge you more based on your health status, pregnancy, or disability. Also, insurers wont be allowed to charge you more based on your gender, and there will be limits on how much premiums can vary based on age.
[BUT THIS DOESN'T APPLY TO ANY INDIVIDUAL POLICIES OR JOB-BASED PLANS THAT WERE IN EXISTENCE BEFORE MARCH 2010? AND WON'T MOST INSURANCE POLICIES BE AT LEAST THAT OLD?]For job-based health plans, its up to employers to decide how much of the premium to pay on behalf of you and your family. Your employer will tell you how much of the premium for health coverage you must pay.
[SO IN 2014 AND THE YEARS AFTERWARDS, AN EMPLOYER CAN STILL CHARGE CERTAIN EMPLOYEES MUCH MORE FOR HEALTH INSURANCE, BASED ON GENDER, HEALTH STATUS, DISABILITY, PREGNANCY, OR AGE?]
from: http://www.healthcare.gov/law/features/rights/grandfathered-plan...The Affordable Care Act exempts most plans that existed on March 23, 2010 the day the law was enacted from some of the laws consumer protections.If you have health coverage from a plan that existed on March 23, 2010 and that has covered at least one person continuously from that day forward your plan may be considered a grandfathered plan.This is true whether you are covered by an individual health insurance policy that you had on that date, or you are covered by a job-based health plan that your employer established before March 23, 2010. This is true even if you enrolled in that job-based plan sometime later.
[IS IT TRUE EVEN IF YOU FIRST ENROLL IN A GRANDFATHERED JOB-BASED PLAN IN 2014 OR LATER YEARS?]
[AND WHAT ABOUT AN INDIVIDUAL HEALTH INSURANCE POLICY THAT EXISTED BEFORE MARCH 23, 2010, BUT YOU DID NOT JOIN IT UNTIL 2014? ARE YOU THEN NOT COVERED UNDER THE NEW HEALTHCARE LAW?]A grandfathered health plan isnt required to comply with some of the consumer protections of the Affordable Care Act that apply to other health plans that are not grandfathered. Heres a look at which consumer protections do and dont apply to grandfathered plans:
Consumer Protections in the Health Care Law that DO Apply to Grandfathered PlansMany of the laws consumer protections that took effect on September 23, 2010 apply to all plans, whether they are grandfathered or not. Please note that these consumer protections will be added to your plan when it begins a new plan year or policy year on or after September 23, 2010.ALL health plans:
-are prohibited from applying lifetime dollar limits to key health benefits.
-are not permitted to cancel your insurance coverage solely because of an honest mistake that you or your employer made on your insurance application.
Consumer Protections in the Health Care Law that DO NOT Apply to Grandfathered PlansUnlike other health plans, job-based plans and grandfathered plans are not required to:
-provide certain recommended preventive services at no additional charge to you.
-offer new protections when you are appealing claims and coverage denials.
-protect your choice of health care providers and your access to emergency care.
Consumer Protections in the Health Care Law that also DO NOT Apply to Grandfathered INDIVIDUAL PlansGrandfathered individual health insurance policies not the kind you get through work in addition to the exclusions above are not required to adopt the provisions of the law that:
-phase out annual dollar limits on key benefits.
-eliminate pre-existing condition exclusions for children under 19 years old.
[BUT WHAT ABOUT PRE-EXISTING CONDITION EXCLUSIONS FOR PEOPLE WHO ARE OLDER THAN 19? ARE GRANDFATHERED POLICIES ALLOWED TO EXCLUDE THEM?]To find out if your health plan is grandfathered:
Check your plans materials. Beginning with the first plan or policy year starting on or after September 23, 2010, health plans must disclose their grandfathered status in any plan materials describing the plans benefits that are distributed to beneficiaries or primary subscribers. These materials must also contain contact information for questions and complaints.Check with your employer or your health plans benefits administrator. If you are in a group health plan, the date you joined may not reflect the date the plan was created. New employees and new family members may be added to a grandfathered group plan after March 23, 2010.
[SO IF IN 2014 OR ANY YEAR AFTER THAT, YOU ARE HIRED BY A COMPANY WHOSE HEALTH INSURANCE PLAN WAS STARTED BEFORE MARCH 2010, AND YOU JOIN YOUR EMPLOYER'S HEALTH INSURANCE PLAN, IT MEANS THAT YOUR HEALTH INSURANCE IS NOT COVERED BY THE NEW HEALTHCARE LAW?]
http://www.healthcare.gov/law/features/rights/doctor-choice/inde...The Affordable Care Act helps preserve your choice of doctors by guaranteeing that you can choose the primary care doctor or pediatrician you want from your health plans provider network. It guarantees that you can see an OB-GYN doctor without needing a referral from another doctor. The law also ensures that you can seek emergency care at a hospital outside your plans network without prior approval from your health plan.These rules apply to all group health plans and individual health insurance policies created or issued after March 23, 2010.[BUT] These rules do not apply to grandfathered health plans.
http://www.healthcare.gov/law/features/rights/preventive-care/in...Under the Affordable Care Act, you and your family may be eligible for some important preventive services which can help you avoid illness and improve your health at no additional cost to you.This preventive services provision applies only to people enrolled in job-related health plans or individual health insurance policies created after March 23, 2010.[BUT] Grandfathered plans: If your plan is grandfathered, these benefits may not be available to you. http://www.healthcare.gov/law/features/costs/limits/index.htmlBefore the health care law, many health plans set an annual limit a dollar limit on their yearly spending for your covered benefits. Many plans also set a lifetime limit a dollar limit on what they would spend for your covered benefits during the entire time you were enrolled in that plan. You were required to pay the cost of all care exceeding those limits.Under the law, lifetime limits on most benefits are prohibited in any health plan or insurance policy issued or renewed on or after September 23, 2010.The law restricts and phases out the annual dollar limits that all job-related plans, and individual health insurance plans issued after March 23, 2010, can put on most covered health benefits.[BUT] If you have a grandfathered individual health insurance policy, your health plan is not required to follow the new rules on annual limits. (A grandfathered individual health insurance policy is a plan that you bought for yourself or your family; that you did not receive through your employer; and that was issued on or before March 23, 2010.) If youre not sure whether your plan is grandfathered, ask your insurance company.
[ARE YOU CONSIDERED TO BE IN A GRANDFATHERED PLAN IF IT IS AN INDIVIDUAL HEALTH INSURANCE POLICY THAT EXISTED BEFORE MARCH 2010 EVEN THOUGH YOU DID NOT JOIN IT UNTIL 2014?]
Pay 60k towards 1st mortgage, or payoff 2nd?
Added on : Sunday January 27th 2013 01:01:05 PM
I have a first mortgage at 4.875 that I owe approx 100k on, and a 2nd at 2.89 that I owe approx 60k on. I cannot refi at this time, and am very tempted to push the 60k into the first mortgage as I don't have the confidence to put it into the market, and would love to get some sort of return on that cash. I have about an additional 20k saved up for an emergency fund, and feel pretty confident about my job, where I've been for over a year. The question comes down to do I want the security of that higher fixed rate, or take a gamble on paying that down and having the LIBOR go up above the 4.875 on the 2nd. I think I could pay off the 2nd within five years, if I don't pay it off now. Thoughts? Suggestions? Looking at the LIBOR historical chart, it hasn't seemed to rise or lower that fast, but we are also in uncharted waters.
*** DEAD **** Kindle Books for 01.26.2013
Added on : Sunday January 27th 2013 09:00:44 AM
Flying with Baby - The Essential Guide to Flying Domestically with Infants ...[Kindle Edition] - normally $2.99Flying with Baby - The Essential Guide to Flying Domestically with Infants Under 1 Year OldMeg Collins (Author), Carol Boyce (Editor), Danijela Mijailovic (Illustrator)39 Reviews - and ★★★★★
9 LikesPublication Date: October 30, 2012Are you dreading your babys first flight? "Can I bring breastmilk through security? And what about her ears popping during takeoff and is my car seat certified to bring aboard?" Blogger Meg Collins (CPST) of LuciesList.com addresses all of the commonly asked questions and concerns about flying with your baby. With input from veteran flyers and flight attendants, youll learn exactly how to get from A to B as easily as possible.Topics include:- Buying tickets
- Where to sit
- How to score a free seat
- Dealing with you car seat & stroller
- Getting through security
- Breastfeeding & pumping
- Keeping your baby happy
- Feeding & more**************************************************************************************The Cornbread Bible: A Recipe Storybook [Kindle Edition] - normally $3.99
The Cornbread Bible: A Recipe StorybookJennifer Shambrook (Author)29 Reviews - and ★★★★★
28 LikesPublication Date: November 19, 2012In The Cornbread Bible: A Recipe Storybook, Dr. Jennifer Shambrook not only shares recipes for some great, low-cost, Southern cooking, but also shares the stories behind the recipes. The people who created the recipes and the people for whom the recipes were created populate this recipe storybook.Dr. Shambrook is a comfortable storyteller and you will find yourself relating these stories as your family or guests eat the down home recipes from this book. With this book, you will find it very easy to be a good cook. You will also find these recipes to be very easy on your food budget. Shambrook cooks with an eye to saving time, effort, and expense.The book offers both recipes and the principles behind the recipes. This enables the reader to follow step by step as they learn the principles, then use these recipes for inspiration to create their own delicious cornbread dishes. There are also general tips such as how to care for cast iron cookware or tell when your oil is hot enough to fry a hushpuppy or corndog.Included in the book are a variety of breads, including many gluten free options. Also included are side dishes (greens with cornmeal dumplings), main dishes (pot roast pie), and a delicious recipe for gluten-free corndogs. There are recipes for breakfast, lunch and dinner.You will enjoy reading the stories behind the recipes as you learn to fry hushpuppies, make the Chihuahua Muffins, or cook hardy cornbread-topped entrees. One of the best chapters in the book is the section on creating cornbread dressing or stuffing. Here, the author shares her version of an easy-to-follow recipe for dressing that has been passed down in her family for generations. But, she doesnt stop there, she offers the principles of how to custom tailor your dressing to suit the tastes of your family and friends.You will find The Cornbread Bible: A Recipe Storybook informative, entertaining and chock full of useful tips that will help you be a better cook while lowering your food budget at the same time.**************************************************************************************
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of! [Kindle Edition] - normally $9.97
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of!Carolyn Woods (Author)28 Reviews - and ★★★★★
7 LikesPublication Date: November 12, 2012Real Moms Work From Home Secrets Revealed: Over 12 years in the making, this content-packed book reveals the best-kept secrets for working from home and building a profitable home business while finding time for your family - when you have kids to take care of! Do you wish you could quit your job and have time to spend with your family?
Do you need to generate some extra income, to help cover family expenses?
Are you trying to get your home business rolling, but not having much success?
Everything is presented in a simple, straight forward, organized way that you can start using immediately!Super Moms Inc. is filled with real, legitimate business plans and proven advice from a hands-on mom who supports her family out of her home! If you are wondering where to start or what to do next, reading this book is a great next step. It covers topics like:
How to leverage your own passions, skills and strengths to make money doing what you love.

How to draw customers to you so you don't have to spend valuable time hunting for them.
Steps to help overcome emergency cash flow problems.
Suggestions for some legitimate services you can provide right now to make money.
How to avoid common missteps which could prevent you from getting paid on time.

Everything is presented in a simple, straight forward, organized way that you can start using immediately!**************************************************************************************Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs ... [Kindle Edition] - normally $2.99
Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! (Job Search Series)Lee Evans (Author)36 Reviews - and ★★★★.5
97LikesPublication Date: September 8, 2012Why You Need to Read This Book!Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! will help you accomplish your dream. Is it your dream to spend more time with family?
Do you need to ditch that exhausting, gas-guzzling commute?
Did you always dream of working at home, but couldnt find a legitimate job?The idea for Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! came from the fact that I trudged to my job, as manager of someone elses business, wondering why I wasnt happy. I was good at what I did, achieved the companys goals, made good money, received accolades, but something wasnt right, there was no sense of fulfillment.I cant convey the melancholy I felt, I worked hard to achieve success, earned every academic credential, had a resume to swoon over. But I wasnt a happy camper. Was this all there was?Once I decided to work at home, it was amazing, I jumped in the air and clicked my feet! Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! is dedicated to all those who just cant go back to work. In addition to the I cant take it any mores of the world, this book will help many who have other compelling reasons, as well. The need to work from home runs deep. Taking the first step to working at home will make you jump for joy. Reading this book will mean youre one step closer to your goal. Dorothy got it right, Theres no place like home!How is This Book Different?How is Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! different from other work from home books? Instead of just providing you with links, I spent months researching each company. I wanted to provide you with the same key indicators that were critical to me. Yes, it meant investing more, taking longer to complete, but I wanted a book that gave you a sense of each company.
Is the company financially healthy?
Has the company been around for awhile?
Does the company have a global footprint?
Does the company have money in the bank?My months of research answered these questions, to provide you with key company data.My Promise to YouI verified all links in Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! at publication. Since companies change web pages, and job needs, if any of the links dont work, simply contact me at Free-Job-Search-Websites.com , and Ill provide you with revised link info.Also contact me regarding any jobs in the book you cant locate. Ill check the status of any included jobs for you.Youre not just buying a book, youre buying my promise that Ill tirelessly provide you with the most up to date info at my disposal. Consider me your Work from Home Job Search Coach for the life of your purchase. I want you to make your dream come true!Learn how to find Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home!
Kindle Books for 01.26.2013
Added on : Saturday January 26th 2013 06:00:40 PM
Flying with Baby - The Essential Guide to Flying Domestically with Infants ...[Kindle Edition] - normally $2.99Flying with Baby - The Essential Guide to Flying Domestically with Infants Under 1 Year OldMeg Collins (Author), Carol Boyce (Editor), Danijela Mijailovic (Illustrator)39 Reviews - and ★★★★★
9 LikesPublication Date: October 30, 2012Are you dreading your babys first flight? "Can I bring breastmilk through security? And what about her ears popping during takeoff and is my car seat certified to bring aboard?" Blogger Meg Collins (CPST) of LuciesList.com addresses all of the commonly asked questions and concerns about flying with your baby. With input from veteran flyers and flight attendants, youll learn exactly how to get from A to B as easily as possible.Topics include:- Buying tickets
- Where to sit
- How to score a free seat
- Dealing with you car seat & stroller
- Getting through security
- Breastfeeding & pumping
- Keeping your baby happy
- Feeding & more**************************************************************************************The Cornbread Bible: A Recipe Storybook [Kindle Edition] - normally $3.99
The Cornbread Bible: A Recipe StorybookJennifer Shambrook (Author)29 Reviews - and ★★★★★
28 LikesPublication Date: November 19, 2012In The Cornbread Bible: A Recipe Storybook, Dr. Jennifer Shambrook not only shares recipes for some great, low-cost, Southern cooking, but also shares the stories behind the recipes. The people who created the recipes and the people for whom the recipes were created populate this recipe storybook.Dr. Shambrook is a comfortable storyteller and you will find yourself relating these stories as your family or guests eat the down home recipes from this book. With this book, you will find it very easy to be a good cook. You will also find these recipes to be very easy on your food budget. Shambrook cooks with an eye to saving time, effort, and expense.The book offers both recipes and the principles behind the recipes. This enables the reader to follow step by step as they learn the principles, then use these recipes for inspiration to create their own delicious cornbread dishes. There are also general tips such as how to care for cast iron cookware or tell when your oil is hot enough to fry a hushpuppy or corndog.Included in the book are a variety of breads, including many gluten free options. Also included are side dishes (greens with cornmeal dumplings), main dishes (pot roast pie), and a delicious recipe for gluten-free corndogs. There are recipes for breakfast, lunch and dinner.You will enjoy reading the stories behind the recipes as you learn to fry hushpuppies, make the Chihuahua Muffins, or cook hardy cornbread-topped entrees. One of the best chapters in the book is the section on creating cornbread dressing or stuffing. Here, the author shares her version of an easy-to-follow recipe for dressing that has been passed down in her family for generations. But, she doesnt stop there, she offers the principles of how to custom tailor your dressing to suit the tastes of your family and friends.You will find The Cornbread Bible: A Recipe Storybook informative, entertaining and chock full of useful tips that will help you be a better cook while lowering your food budget at the same time.**************************************************************************************
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of! [Kindle Edition] - normally $9.97
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of!Carolyn Woods (Author)28 Reviews - and ★★★★★
7 LikesPublication Date: November 12, 2012Real Moms Work From Home Secrets Revealed: Over 12 years in the making, this content-packed book reveals the best-kept secrets for working from home and building a profitable home business while finding time for your family - when you have kids to take care of! Do you wish you could quit your job and have time to spend with your family?
Do you need to generate some extra income, to help cover family expenses?
Are you trying to get your home business rolling, but not having much success?
Everything is presented in a simple, straight forward, organized way that you can start using immediately!Super Moms Inc. is filled with real, legitimate business plans and proven advice from a hands-on mom who supports her family out of her home! If you are wondering where to start or what to do next, reading this book is a great next step. It covers topics like:
How to leverage your own passions, skills and strengths to make money doing what you love.

How to draw customers to you so you don't have to spend valuable time hunting for them.
Steps to help overcome emergency cash flow problems.
Suggestions for some legitimate services you can provide right now to make money.
How to avoid common missteps which could prevent you from getting paid on time.

Everything is presented in a simple, straight forward, organized way that you can start using immediately!**************************************************************************************Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs ... [Kindle Edition] - normally $2.99
Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! (Job Search Series)Lee Evans (Author)36 Reviews - and ★★★★.5
97LikesPublication Date: September 8, 2012Why You Need to Read This Book!Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! will help you accomplish your dream. Is it your dream to spend more time with family?
Do you need to ditch that exhausting, gas-guzzling commute?
Did you always dream of working at home, but couldnt find a legitimate job?The idea for Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! came from the fact that I trudged to my job, as manager of someone elses business, wondering why I wasnt happy. I was good at what I did, achieved the companys goals, made good money, received accolades, but something wasnt right, there was no sense of fulfillment.I cant convey the melancholy I felt, I worked hard to achieve success, earned every academic credential, had a resume to swoon over. But I wasnt a happy camper. Was this all there was?Once I decided to work at home, it was amazing, I jumped in the air and clicked my feet! Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! is dedicated to all those who just cant go back to work. In addition to the I cant take it any mores of the world, this book will help many who have other compelling reasons, as well. The need to work from home runs deep. Taking the first step to working at home will make you jump for joy. Reading this book will mean youre one step closer to your goal. Dorothy got it right, Theres no place like home!How is This Book Different?How is Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! different from other work from home books? Instead of just providing you with links, I spent months researching each company. I wanted to provide you with the same key indicators that were critical to me. Yes, it meant investing more, taking longer to complete, but I wanted a book that gave you a sense of each company.
Is the company financially healthy?
Has the company been around for awhile?
Does the company have a global footprint?
Does the company have money in the bank?My months of research answered these questions, to provide you with key company data.My Promise to YouI verified all links in Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! at publication. Since companies change web pages, and job needs, if any of the links dont work, simply contact me at Free-Job-Search-Websites.com , and Ill provide you with revised link info.Also contact me regarding any jobs in the book you cant locate. Ill check the status of any included jobs for you.Youre not just buying a book, youre buying my promise that Ill tirelessly provide you with the most up to date info at my disposal. Consider me your Work from Home Job Search Coach for the life of your purchase. I want you to make your dream come true!Learn how to find Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home!
Flying with Baby - The Essential Guide to Flying Domestically with Infants ...[Kindle Edition] - normally $2.99Flying with Baby - The Essential Guide to Flying Domestically with Infants Under 1 Year OldMeg Collins (Author), Carol Boyce (Editor), Danijela Mijailovic (Illustrator)39 Reviews - and ★★★★★
9 LikesPublication Date: October 30, 2012Are you dreading your babys first flight? "Can I bring breastmilk through security? And what about her ears popping during takeoff and is my car seat certified to bring aboard?" Blogger Meg Collins (CPST) of LuciesList.com addresses all of the commonly asked questions and concerns about flying with your baby. With input from veteran flyers and flight attendants, youll learn exactly how to get from A to B as easily as possible.Topics include:- Buying tickets
- Where to sit
- How to score a free seat
- Dealing with you car seat & stroller
- Getting through security
- Breastfeeding & pumping
- Keeping your baby happy
- Feeding & more**************************************************************************************The Cornbread Bible: A Recipe Storybook [Kindle Edition] - normally $3.99
The Cornbread Bible: A Recipe StorybookJennifer Shambrook (Author)29 Reviews - and ★★★★★
28 LikesPublication Date: November 19, 2012In The Cornbread Bible: A Recipe Storybook, Dr. Jennifer Shambrook not only shares recipes for some great, low-cost, Southern cooking, but also shares the stories behind the recipes. The people who created the recipes and the people for whom the recipes were created populate this recipe storybook.Dr. Shambrook is a comfortable storyteller and you will find yourself relating these stories as your family or guests eat the down home recipes from this book. With this book, you will find it very easy to be a good cook. You will also find these recipes to be very easy on your food budget. Shambrook cooks with an eye to saving time, effort, and expense.The book offers both recipes and the principles behind the recipes. This enables the reader to follow step by step as they learn the principles, then use these recipes for inspiration to create their own delicious cornbread dishes. There are also general tips such as how to care for cast iron cookware or tell when your oil is hot enough to fry a hushpuppy or corndog.Included in the book are a variety of breads, including many gluten free options. Also included are side dishes (greens with cornmeal dumplings), main dishes (pot roast pie), and a delicious recipe for gluten-free corndogs. There are recipes for breakfast, lunch and dinner.You will enjoy reading the stories behind the recipes as you learn to fry hushpuppies, make the Chihuahua Muffins, or cook hardy cornbread-topped entrees. One of the best chapters in the book is the section on creating cornbread dressing or stuffing. Here, the author shares her version of an easy-to-follow recipe for dressing that has been passed down in her family for generations. But, she doesnt stop there, she offers the principles of how to custom tailor your dressing to suit the tastes of your family and friends.You will find The Cornbread Bible: A Recipe Storybook informative, entertaining and chock full of useful tips that will help you be a better cook while lowering your food budget at the same time.**************************************************************************************
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of! [Kindle Edition] - normally $9.97
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of!Carolyn Woods (Author)28 Reviews - and ★★★★★
7 LikesPublication Date: November 12, 2012Real Moms Work From Home Secrets Revealed: Over 12 years in the making, this content-packed book reveals the best-kept secrets for working from home and building a profitable home business while finding time for your family - when you have kids to take care of! Do you wish you could quit your job and have time to spend with your family?
Do you need to generate some extra income, to help cover family expenses?
Are you trying to get your home business rolling, but not having much success?
Everything is presented in a simple, straight forward, organized way that you can start using immediately!Super Moms Inc. is filled with real, legitimate business plans and proven advice from a hands-on mom who supports her family out of her home! If you are wondering where to start or what to do next, reading this book is a great next step. It covers topics like:
How to leverage your own passions, skills and strengths to make money doing what you love.

How to draw customers to you so you don't have to spend valuable time hunting for them.
Steps to help overcome emergency cash flow problems.
Suggestions for some legitimate services you can provide right now to make money.
How to avoid common missteps which could prevent you from getting paid on time.

Everything is presented in a simple, straight forward, organized way that you can start using immediately!**************************************************************************************Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs ... [Kindle Edition] - normally $2.99
Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! (Job Search Series)Lee Evans (Author)36 Reviews - and ★★★★.5
97LikesPublication Date: September 8, 2012Why You Need to Read This Book!Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! will help you accomplish your dream. Is it your dream to spend more time with family?
Do you need to ditch that exhausting, gas-guzzling commute?
Did you always dream of working at home, but couldnt find a legitimate job?The idea for Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! came from the fact that I trudged to my job, as manager of someone elses business, wondering why I wasnt happy. I was good at what I did, achieved the companys goals, made good money, received accolades, but something wasnt right, there was no sense of fulfillment.I cant convey the melancholy I felt, I worked hard to achieve success, earned every academic credential, had a resume to swoon over. But I wasnt a happy camper. Was this all there was?Once I decided to work at home, it was amazing, I jumped in the air and clicked my feet! Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! is dedicated to all those who just cant go back to work. In addition to the I cant take it any mores of the world, this book will help many who have other compelling reasons, as well. The need to work from home runs deep. Taking the first step to working at home will make you jump for joy. Reading this book will mean youre one step closer to your goal. Dorothy got it right, Theres no place like home!How is This Book Different?How is Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! different from other work from home books? Instead of just providing you with links, I spent months researching each company. I wanted to provide you with the same key indicators that were critical to me. Yes, it meant investing more, taking longer to complete, but I wanted a book that gave you a sense of each company.
Is the company financially healthy?
Has the company been around for awhile?
Does the company have a global footprint?
Does the company have money in the bank?My months of research answered these questions, to provide you with key company data.My Promise to YouI verified all links in Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! at publication. Since companies change web pages, and job needs, if any of the links dont work, simply contact me at Free-Job-Search-Websites.com , and Ill provide you with revised link info.Also contact me regarding any jobs in the book you cant locate. Ill check the status of any included jobs for you.Youre not just buying a book, youre buying my promise that Ill tirelessly provide you with the most up to date info at my disposal. Consider me your Work from Home Job Search Coach for the life of your purchase. I want you to make your dream come true!Learn how to find Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home!
Flying with Baby - The Essential Guide to Flying Domestically with Infants ...[Kindle Edition] - normally $2.99Flying with Baby - The Essential Guide to Flying Domestically with Infants Under 1 Year OldMeg Collins (Author), Carol Boyce (Editor), Danijela Mijailovic (Illustrator)39 Reviews - and ★★★★★
9 LikesPublication Date: October 30, 2012Are you dreading your babys first flight? "Can I bring breastmilk through security? And what about her ears popping during takeoff and is my car seat certified to bring aboard?" Blogger Meg Collins (CPST) of LuciesList.com addresses all of the commonly asked questions and concerns about flying with your baby. With input from veteran flyers and flight attendants, youll learn exactly how to get from A to B as easily as possible.Topics include:- Buying tickets
- Where to sit
- How to score a free seat
- Dealing with you car seat & stroller
- Getting through security
- Breastfeeding & pumping
- Keeping your baby happy
- Feeding & more**************************************************************************************The Cornbread Bible: A Recipe Storybook [Kindle Edition] - normally $3.99
The Cornbread Bible: A Recipe StorybookJennifer Shambrook (Author)29 Reviews - and ★★★★★
28 LikesPublication Date: November 19, 2012In The Cornbread Bible: A Recipe Storybook, Dr. Jennifer Shambrook not only shares recipes for some great, low-cost, Southern cooking, but also shares the stories behind the recipes. The people who created the recipes and the people for whom the recipes were created populate this recipe storybook.Dr. Shambrook is a comfortable storyteller and you will find yourself relating these stories as your family or guests eat the down home recipes from this book. With this book, you will find it very easy to be a good cook. You will also find these recipes to be very easy on your food budget. Shambrook cooks with an eye to saving time, effort, and expense.The book offers both recipes and the principles behind the recipes. This enables the reader to follow step by step as they learn the principles, then use these recipes for inspiration to create their own delicious cornbread dishes. There are also general tips such as how to care for cast iron cookware or tell when your oil is hot enough to fry a hushpuppy or corndog.Included in the book are a variety of breads, including many gluten free options. Also included are side dishes (greens with cornmeal dumplings), main dishes (pot roast pie), and a delicious recipe for gluten-free corndogs. There are recipes for breakfast, lunch and dinner.You will enjoy reading the stories behind the recipes as you learn to fry hushpuppies, make the Chihuahua Muffins, or cook hardy cornbread-topped entrees. One of the best chapters in the book is the section on creating cornbread dressing or stuffing. Here, the author shares her version of an easy-to-follow recipe for dressing that has been passed down in her family for generations. But, she doesnt stop there, she offers the principles of how to custom tailor your dressing to suit the tastes of your family and friends.You will find The Cornbread Bible: A Recipe Storybook informative, entertaining and chock full of useful tips that will help you be a better cook while lowering your food budget at the same time.**************************************************************************************
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of! [Kindle Edition] - normally $9.97
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of!Carolyn Woods (Author)28 Reviews - and ★★★★★
7 LikesPublication Date: November 12, 2012Real Moms Work From Home Secrets Revealed: Over 12 years in the making, this content-packed book reveals the best-kept secrets for working from home and building a profitable home business while finding time for your family - when you have kids to take care of! Do you wish you could quit your job and have time to spend with your family?
Do you need to generate some extra income, to help cover family expenses?
Are you trying to get your home business rolling, but not having much success?
Everything is presented in a simple, straight forward, organized way that you can start using immediately!Super Moms Inc. is filled with real, legitimate business plans and proven advice from a hands-on mom who supports her family out of her home! If you are wondering where to start or what to do next, reading this book is a great next step. It covers topics like:
How to leverage your own passions, skills and strengths to make money doing what you love.

How to draw customers to you so you don't have to spend valuable time hunting for them.
Steps to help overcome emergency cash flow problems.
Suggestions for some legitimate services you can provide right now to make money.
How to avoid common missteps which could prevent you from getting paid on time.

Everything is presented in a simple, straight forward, organized way that you can start using immediately!**************************************************************************************Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs ... [Kindle Edition] - normally $2.99
Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! (Job Search Series)Lee Evans (Author)36 Reviews - and ★★★★.5
97LikesPublication Date: September 8, 2012Why You Need to Read This Book!Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! will help you accomplish your dream. Is it your dream to spend more time with family?
Do you need to ditch that exhausting, gas-guzzling commute?
Did you always dream of working at home, but couldnt find a legitimate job?The idea for Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! came from the fact that I trudged to my job, as manager of someone elses business, wondering why I wasnt happy. I was good at what I did, achieved the companys goals, made good money, received accolades, but something wasnt right, there was no sense of fulfillment.I cant convey the melancholy I felt, I worked hard to achieve success, earned every academic credential, had a resume to swoon over. But I wasnt a happy camper. Was this all there was?Once I decided to work at home, it was amazing, I jumped in the air and clicked my feet! Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! is dedicated to all those who just cant go back to work. In addition to the I cant take it any mores of the world, this book will help many who have other compelling reasons, as well. The need to work from home runs deep. Taking the first step to working at home will make you jump for joy. Reading this book will mean youre one step closer to your goal. Dorothy got it right, Theres no place like home!How is This Book Different?How is Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! different from other work from home books? Instead of just providing you with links, I spent months researching each company. I wanted to provide you with the same key indicators that were critical to me. Yes, it meant investing more, taking longer to complete, but I wanted a book that gave you a sense of each company.
Is the company financially healthy?
Has the company been around for awhile?
Does the company have a global footprint?
Does the company have money in the bank?My months of research answered these questions, to provide you with key company data.My Promise to YouI verified all links in Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! at publication. Since companies change web pages, and job needs, if any of the links dont work, simply contact me at Free-Job-Search-Websites.com , and Ill provide you with revised link info.Also contact me regarding any jobs in the book you cant locate. Ill check the status of any included jobs for you.Youre not just buying a book, youre buying my promise that Ill tirelessly provide you with the most up to date info at my disposal. Consider me your Work from Home Job Search Coach for the life of your purchase. I want you to make your dream come true!Learn how to find Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home!
http://www.amazon.com/BaoFeng-Dual-Band-Stubborn-Enhanced-Featur...CamelCamel
http://camelcamelcamel.com/BaoFeng-Dual-Band-Stubborn-Enhanced-F... This is a Ham Radio, You will need a FCC Technician license ( There free, But you have to take a test )
Sometimes the testers charge up to $15 for the test, But some do not.
http://wireless.fcc.gov/services/index.htm?job=service_home&id=a...Ham Radio License Manual with CD (Arrl Ham Radio License Manual)
http://www.amazon.com/Ham-Radio-License-Manual-Arrl/dp/087259097...Find an Amateur Radio License Exam in Your Area
http://www.arrl.org/exam_sessions/searchProduct Description
Features* Dual-Band Display, Dual Freq. Display, Dual-Standby
* Output Power: 4 /1Watts
* 128 Channels 50 CTCSS and 104 DCS
* Built-in VOX Function
* 1750Hz Brust Tone
* FM Radio (65.0MHz-108.0MHz)
* LED Flashlight
* Large LCD Display
* Hight /Low RF Power Switchable
* 25KHz/12.5KHz Switchable
* Emergency Alert
* Low Battery Alert
* Battery Saver
* Time-out Timer
* Keypad Lock
* Monitor Channel
* Channel Step: 2.5/5/6.25/10/12.5/25KHz
* ROGER SETGeneral SpecificationsFrequency Range: 65-108MHz (FM Receive only); 136-174 MHz and 400-479.995 MHz(TX/RX)
Channel No.: 128
Frequency Stability: 2.5ppm
Antenna: High gain Dual-Band Antenna
Antenna Impedance: 50 ohm
Operating Voltage: DC 7.4V
Mode of operation: Simple or semi-duplex
Dimension (W x H x D): 100 x 52 x 32 mm
Weight: 250g (including battery, antenna)Transmitter SpecificationsOutput power: 4W / 1W (Max 5W)
Modulation Mode: 16kWbF3E / 11kWbF3E
Maximum deviation: <5kHz(Wide) / <2.5kHz(Narrow)
Spurious Radiation: <7 microW
Adjacent Ch. power: <=-65dB(Wide) / <=-60dB(Narrow)
Pre-emphasis characteristics: 6dB
Current: <=1.6A(5W)
CTCSS/DCS deviation: 0.50.1kHz(Wide) / 0.30.1kHz(Narrow)
Intermediation sensitivity: 8-12mv
Intermediation distortion: <10Package Including 1 x UV-5R (VHF136-174MHz / UHF 400-479.995MHz)
1 x 7.4V 1800mAh Li-ion Battery Pack
1 x Antenna 136-174/400-479.995Mhz
1 x Earphone Mic/Headset
1 x Belt Clip
1 x Hand Strap
1 x ENG / GER / FRA Manual
1 x adapter
1 x Desktop Charger (100V ~ 240V)
Amazon Coupons
Seats on US Airways A330-200 - Best/worst?
Added on : Wednesday January 23rd 2013 04:01:34 PM
I booked a flight for this October from RDU to FCO (Rome) on US Airways. The plane is an Airbus A330-200. The seat diagram does not match that of the same plane on SeatGuru. In fact it's way off. I checked Flyertalk and can't seem to find anyone who knows anything about the economy seats, or more specifically if I'm sitting in a decent one. I've also searched websites looking for interior pictures of this area of the plane to no avail. If you've been on a US Airways A330-200 I would appreciate your input. The attached graphic shows my current seats which are 25A and 25B. They appear to be good seats because there's no one in front of them, and this is an 8 hour flight. But if they are so good then why were they not already taken? As far as I know these are not emergency exit seats because you can't pick those (or at least I can't). Lastly, this plane is equipped with personal entertainment screens which are in front of each person attached to the seat in front of them. Does my picking these seats mean I won't get a personal screen (that would be a deal-breaker)?
Auto Emergency Kit equips you with all the necessary tools and safety gear you might need to manage an auto incident, including booster cables, a signal cone, a rachet handle, a 10-piece socket set, slip joint pliers. ties. Last but not least, you'll get a 25-piece first aid bag, emergency water bag and a S.O.S banner to attract aid with. In today's world, road conditions can change rapidly and extreme weather can wreck havoc. Make sure you're ready with this kit in your car.http://www.sears.com/shc/s/p_10153_12605_02807201000PPrice at check outThe WeatherHandler Emergency Kit is stocked full of helpful aids for a roadside auto emergency
Premium kit comes with 365 days of Roadside Assistance, at no cost. Up to 3 service calls with a maximum of benefit allowance of $60 per incident 8 ft., 8-gauge Booster Cables meet SAE performance standards
Reflective triangle and signal cone keep other cars away
Flashlight, ratchel handle, 10-pic socket and 10-pc screwdriver are perfect for small repair jobs
Safety vest, knit gloves and emergency poncho for all weather conditions
16 assorted cable ties
Emergency water bag
S.O.S. banner
25-pc first aid kit
Carrying case
Sears Coupons
Auto Emergency Kit equips you with all the necessary tools and safety gear you might need to manage an auto incident, including booster cables, a signal cone, a rachet handle, a 10-piece socket set, slip joint pliers. ties. Last but not least, you'll get a 25-piece first aid bag, emergency water bag and a S.O.S banner to attract aid with. In today's world, road conditions can change rapidly and extreme weather can wreck havoc. Make sure you're ready with this kit in your car.http://www.sears.com/shc/s/p_10153_12605_02807201000PPrice at check outThe WeatherHandler Emergency Kit is stocked full of helpful aids for a roadside auto emergency
Premium kit comes with 365 days of Roadside Assistance, at no cost. Up to 3 service calls with a maximum of benefit allowance of $60 per incident 8 ft., 8-gauge Booster Cables meet SAE performance standards
Reflective triangle and signal cone keep other cars away
Flashlight, ratchel handle, 10-pic socket and 10-pc screwdriver are perfect for small repair jobs
Safety vest, knit gloves and emergency poncho for all weather conditions
16 assorted cable ties
Emergency water bag
S.O.S. banner
25-pc first aid kit
Carrying case
Sears Coupons
Just add 8 packs to cart ("clicking" coupons of course ).Grabber Warmers 12+ Hour Adhesive Peel N' Stick Body Warmers (6-Pack Adhesive Warmer Patches)Click FW affiliate link to activate additional $10 discount ("new" customers only). Then add zip-code and click "get estimate" to see total.Total: $20.14 + Free Shipping.~~~~~~Also for the same price ($20.36 + Free Shipping):
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Good deal for those who are near a ShopRite supermarket:D cells are the best deal, and are ideal to stock up for emergency flashlights, etc.Energizer Max Batteries
4-ct. C or D
2-ct. 9-Volt
8-ct. pkg., AA or AAA$3.99 with Price Plus Card (free to sign up, see Customer Service desk)
Limit 4 Per VarietyPrice Valid:
01/20/13 - 01/26/13
What's the best thing to do with cash savings?
Added on : Wednesday January 16th 2013 01:01:00 AM
Hello All,I respect all the financially witty people here and I am here for some advice..I was just wondering, what do people do with cash saved left after a 15 month emergency fund and another mini emergency fund for unexpected events/expenses?As this is a hard earned cash, one does not want to lose it, but the FDIC insured accounts only give 1% to 2% at the most now.What other things do people do usually? ETFs? mutual funds? Precious metals? Just curious as to what people do.Another question:What do you do with your short term goal savings, time period under 2.5 yrs? Say something like house down payment savings, Do you invest it in stock market? put it in a FDIC account/CD? or buy ETFs/mutual funds? the goal is not to lose capital is it?Thanks in advance!
Dec 27 I arrived home from work to an apartment that reeked of fresh paint/paint thinner. Ventilation of my apartment was not an option as it was 30F that night and continous ventilation would have been required.
There is remodeling going on in the apartment below me and they had just painted the entire apartment that day(spray type). I immediately called emergency maintenance, as s a simple remedy would have been to install a box fan in the apartment window below mine blowing out, seal around it and open the back door. This would pull air from my apartment eliminating the ingress of the vapors.After two hours maintenance did not respond nor did I even get a phone call so I called the line back. I was informed they refused to respond because it was not on their list of emergency items.It was already late so I stayed at a local reasonably priced hotel at a cost of $99. I would like to be compensated for this.There is some kind of direct airflow between the apartment below me and mine... the neighbor below me smoked A LOT and I could even tell when he lit up. You could see the smoke in my apartment. This is a known issue by the management and in fact they ended up evicting the person below me because of my complaints. The resident had been there for ~25 years and smoked 4-5 packs a day according to his neighbor, thus the apartment was disgusting/destroyed, leading to the remodeling required.//slightly OT//
The next day I called the office and informed them of my complaint. I told them they needed to install a fan in the window so a vaccuum is created in the apartment. They said they would take care of it. When I got home from work my apartment reeked EVEN WORSE. I checked below and the only thing that was done was crack the single window int he apartment with NO fan. I decided to enter the apartment myself and take care of it with my own fan and a peice of cardboard to seal off around the window. Took care of the problem within 10 minutes and I avoided a second hotel night stay. (the smell was so bad it burned my eyes while inside...)
//I plan to move soon (2-3 mo) and they have a $800 deposit of mine. I have lived there four years. What would y'all recommend for getting compensated for the hotel? keeping in mind:
1.) don't want it to affect deposit return as I am moving soon (retaliation)
2.) keep on good terms (they treated me reasonably well, not eviction of downstairs neighbor)
3.) moving out soon after being there 4.5 years
So I feel like a dolt -- Mint.com has a whole other transactions section for "Investments" that I never noticed (it defaults to "Cash & Credit"), and someone went to town with a copy (presumably) of my Schwab Brokerage Debit card (Visa) without me noticing back in September/October (transactions are listed in the Investments section of Mint.com's Transactions page). It was right after a legit ATM transaction by me -- I always check for skimmers, but looks like I missed the skimmer this time. I only use Schwab for emergency ATM cash, so it is not an account I track in detail outside of Mint.com.Anyways, I was happily ignorant to the transactions until today (although confused how my balances had dropped by about $600 over three months, the amount of the fraudulent transactions). Called up Schwab started a dispute process. Very friendly, hopefully I get some money back, but... yeah, it's been a few months.Tips I've found so far:
1. File a police report.
2. Sign and return the fraud dispute paperwork Schwab sends out to me of course.
3. "Cancel" the debit card and get a new one (the Customer Service rep could not disable my current card... only send a new one? Might have to call back and push the issue...)
4. Transfer cash out of the brokerage account to $1 (especially due to #3...).
5. Contact the merchant(s)... At over 60 days out, they might tell me to pound sand, but I'll probably give a couple a try, who knows.And if anyone's curious where they bought things... all things in CA (I'm on the east coast) -- Baja Fresh, Pet Extreme, Subway, Waterbar in San Fran, Party City, Strizzi's in Fremont CA and a few other places. So they enjoyed themselves, but seemingly in moderation . Note that Mint.com ignores these transactions since they were under an Investment account. The transactions are there in Mint, but didn't show up under my spend notifications (and are not automatically categorized -- I assume they don't have merchant codes attached like credit card transactions).Any tips other than the above? Other experiences? TIA all. Learn from my mistake and as a PSA, double check to see if you have any financial "blind spots"!
http://www.cabelas.com/product/DPMS-TEK-Rifle-Package/1336701.ut...Overall Customer Rating: 4.9 out of 5 Rating breakdown 7 reviewsMade In The USAThis grab-and-go kit has essentials you need to survive
DPMS A3 T.E.K. Lite 16 carbine in .223./5.56 NATO
Removable rear sight on an optics-ready Picatinny rail
Comes with four 30-round magazines
Includes a Gerber Bear Gryllis Ultimate Kit
Extreme-conditions nondescript hard case
For home, cabin, remote adventures and emergency preparedness, this grab-and-go kit has essentials you need to survive. The rifle is a DPMS A3 T.E.K. Lite 16 carbine in .223./5.56 NATO. Its 16" barrel has 1:9 rifling twist with an A2 flash hider. The removable rear sight mounts on an optics-ready Picatinny rail. Six-position collapsible stock. Constructed of strong, lightweight components, the rifle weighs only 6-1/2 lbs. Comes with four 30-round magazines. Includes a Gerber Bear Gryllis Ultimate Kit that weighs only 9.4 oz. and is packed in a 4.5" x 6.8" ripstop-nylon bag. Kit contains a fire starter; waterproof matches; waterproof bag; snare wire; emergency cord; cotton balls for fire tinder; miniature light; handsaw; signaling mirror; survival blanket; waxed thread; fishing kit; sewing kit; land-to-air rescue and S.O.S. instructions; survival guide; and a Gerber miniature multitool with more than 10 tools. The extreme-conditions nondescript hard case is an environment-resistant container that doesnt look like a gun case. Turnbuckle latches seal the case from the elements. It has room for the carbine, four magazines, the survival kit and still has space left for some MREs or canned goods. Made in USA.
Case dimensions: 40"L x 10"H x 4"D.
Cabela's Coupons
Emergency Mylar Thermal Blankets (Pack of 10) $4.31 w/ Free Shipping at Amazon via MFASCO Health & Safety co.Copy & paste link
http://www.amazon.com/gp/product/B000GCRWCG/ref=ox_sc_act_title_1?ie=UTF8&smid=A3RJHKN59DL8A
Amazon Coupons
http://www.amazon.com/gp/goldbox
Amazon Coupons
Need help re-vamping financial life
Added on : Friday January 04th 2013 12:01:03 PM
My husband and I looked at a house the other night and decided to overhaul our finances to pay down debt as soon as possible, build a down payment, increase our emergency fund, and purchase a home within the next few years. Any help would be greatly appreciated!Age 29 and 30, married, no children, living in an apartment below a family members house for low rent which includes heat, hot water, and gas.Income:
Me: $49k, yearly pay raises around 3% - Company sponsored 401k and healthcare. Take home after taxes, insurance, 401k contributions is around $1200 paid bi-weekly
Husband: around $22k, working as an electrical apprentice, needs hours before he can get his license working for his boss, only employee, unpredictable schedule = undependable income. Most weeks are paid at $3-400, depending on amount of work. No 401k. Paid weekly.Monthly payments:
Rent: $500
Student Loan 1: $62
Student Loan 2: $163 in parents name but I am paying, no option to refinance
Student Loan 3: $199 in parents name but I am paying, no option to refinance
Car: $200
Truck Lease: $200
Food: $400
Gas: $480
Personal Loan (credit card debt refinance): $65 due but pay $200 monthly
Cellphone dual lines/Internet: $92 (no internet at home, cell internet is exclusive use)
Car insurance: $160 for 10 months, pay at $200 to pay it off faster. No payment ATM til renewal in June
Cable: $20 (basic, basic plan)Yearly one-time payments:
Car excise tax: $300
Truck excise tax: $500
Renters insurance: $120Debt balances:
Student Loan 1: Remaining balance of $1,900 - will be paid off in approx. 1.5 months due to aggressive pay-down
Student Loan 2: Remaining balance of $5,700 @ 5.25% fixed
Student Loan 3: Remaining balance of $21k @ 4.25% fixed
Car: Remaining balance of $5,700 @ 1.79% fixed
Personal Loan: Remaining balance of $2,600 @ 4.9% fixedAssets/Investments:
$6k in CD1 @ 1% due to mature 1/24 EMERGENCY FUND
$2k in CD2 @ 0.9% - due to mature 1/6 will use to pay off Student Loan 1
$3k in CD3 @ 3% - due to mature Sept 2013 EMERGENCY FUND
$41k in 401k, 9% of each pay check contribution is made with my pay since my husband does not have a 401k plan
$600 Roth, 1% of each pay checkAny help, suggestions, or recommendations would be greatly appreciated.
$25K to InvestThoughts?
Added on : Friday January 04th 2013 11:01:08 AM
Hello all, I have about 25K to invest and I was hoping for some suggestions. Basic background facts:1) I already max-out both my Roth and my 401K
2) I have never invested in anything that was not either tax deferred or tax exempt until now (hence why Im looking for advice)
3) I will probably put an additional $400-$500 dollars a month in the investment
4) I have a healthy emergency fund
5) I do have about 80K remaining in Student Loans @3.5% (down from 165K 2 years ago), and Im currently paying about 3 times my minimum payment each month. I also have a 20K auto loan at 1.49%, which Im making the minimum payments on. I don't have any other debt.
6) Ideally any investment would have a minimal affect on my annual income, but this is not required.Any thoughts are appreciated, thanks!
http://1saleaday.com/flash/kc10011/
Sears True Temper Winter Car Emergency Kit ($8.99 was $19.99) @ Sears
Added on : Thursday January 03rd 2013 08:02:37 PM
Looks like a good little kit for the moneyCare Emergency Kit Regular $19.99 sale price $8.99. Looks like you get a folding shovel and 2 traction strips to put under tires when stuckFree Store pick-up or free shipping for Shop Your Way Rewards Max memebers The shovel alone sells for $14 on Amazon and elsewhere and gets good reviews
Sears Coupons
Sears True Temper Winter Car Emergency Kit $8.99 was $19.99
Added on : Thursday January 03rd 2013 07:00:03 AM
Looks like a good little kit for the moneyCare Emergency Kit Regular $19.99 sale price $8.99Free Store pick-up or free shipping for Shop Your Way Rewards Max memebers The shovel alone sells for $14 on Amazon and elsewhere and gets good reviews
Looking finance a house with credit issues?
Added on : Friday December 28th 2012 02:01:06 PM
I'm in kind of a unique kind of situation here. During my last semester of college (a year ago), I had to have emergency surgery and it resulted in a ton of medical bills that I've slowly been paying off. Prior to this, my credit was pretty solid, but for some reason that even the mortgage broker can't seem to explain, the medical collections have brought me down big time.I have a regular W2 income. My husband is self-employed and he tends to put his money back into his business or into rental property, so he cannot show much income on paper. His credit is average.I have student loans and the medical debt, but otherwise we are fairly low in debt. He owns 3 houses and only has a small equity loan left to pay on the one that's currently rented out. I own land and he also has a lot of land available.We would like to purchase a house together, to live in. The one we're currently in is paid off, but small (and we have 3 kids), so we plan to rent it out. Now, it's been a LONG time since I had to finance a house, so I'm not at all sure how things work now. We have 3 options:
1) Buy a fixer-upper for less than $100K that can pass inspection but needs work (around $90K)
2) Buy a fixer upper that can't pass inspection (around $90K)
3) Build on our own land (Around $130K)
4) Buy a ready made house. (Around $150K)The people we've been working with to finance us have been pretty vague on details--I initially planned to finance it myself but the credit problems have nixed that. Selling any of the houses is not an option, but we would consider refinancing if it makes sense. Can anyone help me reason through some of this? Quite frankly, it all seems overwhelming just finding a place to start.
American Red Cross Microlink FR170 Emergency Radio, model #ARCFR170WXRReg: $41.99
Now: $19.99 +tax with free shipping through Shoprunner (or pay $6.99 unless your order is $50+)Exp. 12-29-2012
- Self-powered AM/FM/NOAA weather radio
- 3 options to charge - dynamo hand crank, solar panel and DC input mini USB
- Direct USB power transfer to charge a cell phone without having to crank
- Bright LED flashlight
- Includes a 1/8" (3.5mm) headphone jack
- USB cable sold separately
- NOAA weatherband -- all 7 channels
- AM (520-1710KHz) and FM (87-108MHz)
http://lastcall.dailysteals.com/
hospital debt sent to collections without ever sending a regular bill
Added on : Wednesday December 26th 2012 06:01:03 PM
I want to know how to handle a collection notice to minimize any impact on my credit rating, because we may apply for a mortgage next summer. I received a collection notice from a "Certified Credit and Collection Bureau" for a hospital emergency room treatment my son received last March. After looking up our old insurance explanation of benefits, it looks our contribution for one of the many bills is the amount specified, so the debt is probably valid. However, I am extremely careful to pay all of my bills on time and I don't recall ever receiving a bill from the hospital. We certainly received no reminders if we missed something. I think the hospital never billed us after receiving the insurance payment, and just sent our remaining debt to collections. Also, the collection notice is in my name, but my wife, who is our primary medical insurance holder and has a different last name, took our son to the emergency room and would have signed any paperwork. I wasn't even in town. I have no idea how they got my name. I am happy to pay valid debt, but don't want this to go against my credit report. What is the best way to respond?
Mr. Heater Portable Buddy Indoor safe propane heater $63.32
Added on : Monday December 24th 2012 09:00:04 PM
This is a portable propane canister powered heater which can be a life saver in the winter during power outages. These usually sell near $100 retail and normally are $80 at Amazon. At $63.32, this is a GREAT thing to have for camping or emergency use. I wish I had this during hurricane Sandy, as it could have kept a room warm enough for me to stay in my house instead of going to a hotel.
http://www.amazon.com/Mr-Heater-F232000-Indoor-Safe-Portable/dp/...
Amazon Coupons
SafeFlare SF-777 Emergency Light 2-Pack $15 Shipped @ Woot
Added on : Monday December 24th 2012 12:00:07 AM
http://sellout.woot.com/offers/safeflare-emergency-light-2-pack-...
Kindle Cloud Reader just requires a browser with the Adobe Flash plug-in....with lots of places to run to... (The Book Of Oprah)
10 Quick Vegetarian Burger Recipes (Only the Best Vegetarian Recipes)
101 Cures for Rainy Days of the Soul
20 Easy Slow Cooker Christmas Appetizer Recipes: Holiday Cooking For Your Gathering
30 Easy Dip Recipes: Sweet and Savory Dips for every Occasion
30 Perfect Popcorn Recipes : How to Make Sweet & Savory Gourmet Popcorn at Home (The Green Gourmet)
3
7 Keys to Freedom
Children's Books Ages 4 - 8, "Jack and The Shark," Children's Picture Book and Bedtime Stories - In Stunning HD FIRE Quality Colour
A Complicated Gamble
A Handbook for the Humanistic Astrologer
A Practical Physiology: A Text-Book for Higher Schools
A Spiritual Travelogue
A Touch of Casual Elegance
A Turning in the Dark
A Week at the Beach
Aboriginal Dreams
Absolute Committment: What Passion, Feminine Intuition and Social Engagement Can Do for Your Business & the World
Advanced Photography Techniques
Alfred Russel Wallace: Letters and Reminiscences, Vol. 1
Alfred Russel Wallace: Letters and Reminiscences, Vol. 2
And When the Arguing's Over...
BUYcycle: The Best Kept Secrets of Amazingly Successful Salespeople
Baked Bean Recipes (Back To Basics: Recipes For the Savvy Shopper)
Bastard Husband: A Love Story
Bedtime Tales of Horror: Forever Mine
Birds in Town & Village
Build the Ideal Bug Out Bag: The Ultimate Guide to Preparing a 72 Hour Survival Kit for Surviving Comfortably
Butterflies (essay)
Can't Live Without
Cholesterol Revitaliser: Insider Secrets to Revitalising Your Health and Lowering Cholesterol Naturally!
Christie, the King's Servant
Cold Comfort
Condiment Wars: A parody of Adventure
Couponing Simple Book: Big Savings in Cash and Time
Dating Husbands
David: Five Sermons
Dawn of the Lizards, A Poetry in Haiku (Ascent of Lizardry, A Poetics in Three Parts Trilogy)
Demon Shadows
Does Your Bag Have Holes? 24 Truths That Lead to Financial and Spiritual Freedom
Dynamic Productivity (Dynamic Productivity Institute)
Easy Dinner Recipes - How To Prepare Great Dinners For Your Loved Ones Even If You Come Late From Work?
Easy Salad Recipes To Impress Your Family (Step by Step Guide with Colorful Pictures)
Edgar Cayce Cures - using alternative holistic remedies and treatments
Effective Presentations: A Guide to Producing Presentations and Projects for Assessment
Email Marketing, el eslabxf3n perdido entre tu blog y tus lectores (Guxedas ejecutivas
Emergency Preparedness Plans: Be Prepared!
Everybody's Business Is Nobody's Business Or, Private Abuses, Public Grievances; Exemplified in the Pride, Insolence, and...
Exceptional Experience: What the World's Most Famous (Former) Madam Can Teach You About Business, Customer Service, Employ...
Exponential Apocalypse
Female Scripture Biography, Volume II Including an Essay on What Christianity Has Done for Women
Firefighting From Within
First Thessalonians: The Focus Commentary Version of the Bible
For The Birds - Quotes & Sayings About Our Fine Feathered Friends
For the Millionaire Who Has Everything
From Notting Hill with Love...Actually
Grandpa's Famous Desserts: Homemade Ice Cream and Pies. (Grandpa's Famous Recipes)
Grandpa's Famous Homemade Ice Cream (Grandpa's Famous Recipes)
Grandpa's Famous Pies: 35 Delicious Pie Recipes (Grandpa's Famous Recipes)
Grim: The Story of a Pike
Guru Tegh Bahadur - The Ninth Sikh Guru (Sikh Comics)
Healthy Foods, The Simple Truth For Weight Loss And Dieting (Part 3)
Hercubear Vs The Cyclops Rabbit
Here & There
Hex and the Single Witch (Vehicle City Vampires)
History of the Next Big Bang: an Enso of Nothinglessness
Holiday Stress Management (Self-Help Stress Solutions)
How Much Do You Weigh?: The Stigma Defying Photobook
How To Make Money Blogging: How I Replaced My Day-Job With My Blog
How to Convert your Word Document into a Kindle Ebook: Kindle Formatting Secrets That Will Convert your Ebook into a Perfe...
How to Cook For a Diabetic - Incredible Dessert Recipes For Diabetics
How to Edit, Revise and Rewrite Your Novel--a Quick and Simple Guide (Writing Novels)
How to Have a Stress Free Xmas and an Amazing New Year
How to Read the Tarot (Tarot for All)
How to Write a Bestseller
How to be Successful: 21 Things that Most Successful People Don't Like to Do
How to be a Totally Awesome Missionary
I Need A Hero (The Five Sisters Series)
Indian Cooking - Seafood Dishes (Nice 'n Easy Asian Street Food Cooking)
Inspiration Meditation
Intermediate Software Architecture
Internet Millions Bundle
Interviews with Dead Celebrities
Jesus and the Happy God
Kazan
Let Your Goddess Grow! 7 Spiritual Lessons on Female Power and Positive Thinking
Life As Prayer: Revived Spirituality Inspired by Ancient Piety
Live from the Road
Lost Time Memories- Reflections From Youth
Make Your Own Soap the Easy Way: Your Complete Guide to the Art of Soap Making, Including the supplies, lye, process, home...
Making Herbal Remedies (Herbology At Home)
Master German Vocabulary in a Week: Beginner Flashcards 1
Michael New: Mercenary... or American Soldier
Microstock Magic: How To Sell Your Photos Online. (A Beginner's Guide)
Mistress of the Waves
My City Pictures - Omaha,Nebraska - Memorial Park(2006)
My City Pictures - Omaha,Nebraska: Heartland of America Park (Omaha, Nebraska: Heartland of America Park)
Mysterious SIGNS Of The Torah In GENESIS (Parshat Bereisheit)
Mystical 2012: The Triple Rebirth of the Sun and the Triple Rebirth of You
Network Marketing: Building your Business Right
New Mind
ONENESS: CHOOSING LOVE OVER FEAR
On the Precipice
Open Cage: The Fine Art of Kate Wickham (Fine Art Books from Dallas Fort Worth Artists)
Organic Gardening: A Beginner's Guide on Organic Gardening to Get Your Hands Dirty
Outlines of Lessons in Botany, Part I; from Seed to Leaf For the Use of Teachers, or Mothers Studying with Their Children
Pay Yourself First
Perfect Gluten Free Cakes. 50+ Favorite Recipes
Photography Double Whammy: Develop your skills one shot at a time and workbook
Pies: Top 25 Quick & Easy Pies
Pirke Avot: The Sayings of the Jewish Fathers
Police, Crime, 999
Pursuit (A Tale of Bishop's Island)
Quick-Fix Salads - Fresh and Delicious Salads in 30 Minutes or Less
Realistic Recipes - Volume 3
Realms Unreel
Red Rock Canyon
Run
SCREWGE: A MODERN CHRISTMAS CAROL
SERIOUS IMPACT! How Personal Story Can Help You Crush It in Business, Life & Entrepreneurship (The Entrepreneurial Profile...
SODIUM:1 Harbinger
Seems Like Old Times
Seo Made Simple
Shades of Love, stories from the heart
Shaman's Vision
Short Mental Journeys (Short Stories)
Simple Baby Food Recipes: Light Purees and Smoothies to Help Your Baby Grow Happy, Strong, Confident (Sick Free!)
Simple Meditations for Busy Lives
Simply Delicious Christmas Cookies
So, You Want to Write a Book - Simple Guidelines to Creating Your Publishable Book (Boomer Book Series)
Southpaw
Special Ops Christmas
Spellhollow Wood (from The Cycles of Exile)
Start An Online Business Step By Step
Stolen Wedding
Struggle of the Swords: Memorize All Swords Cards in Tarot
Superfoods: 18 Superfoods To Help You Lose Weight, Boost Energy, Live Longer And Feel Younger, Including Nutritional Benef...
Tales of the White Street Society
Teachers' Devotions to Go
Telemarketing
The Apocalypse and Satan's Glory Hole! (1)
The Art of Money Getting; Or, Golden Rules for Making Money
The Assassins Club
The Burning of Isobel Key
The Carpenter of Auguliere
The Eclective: The Apocalypse Collection
The Ex Next Door
The Gateway: Close the World Enter the Next. (World One of the Seven Worlds.)
The God Principle
The Hand of Fate (Jukebox Heroes Book One)
The Lady Astronomer
The Lean Green Fat Melting Latte: Get more Energy than Coffee, Increase Mental Function & Lose Belly Fat (The Diva Body Sy...
The Makers and Teachers of Judaism From the Fall of Jerusalem to the Death of Herod the Great
The Millennium Chronology
The Moment I Knew: Reflections from Women on Life's Defining Moments
The Nature Of God - A Divine Earthly Experience
The New Golden Age
The Philosophy of Governance
The Real Mexican Dessert Cookbook: Your Guide to cooking real authentic Mexican Desserts! (Real Recipe Books)
The Shropshire UFO Mystery
The Soup Diet Delicious Low Fat Soup Recipes (The Soup Collection)
The Truth About Dating (The Quinn Malone series)
The Ultimate Charles Woodson Fun Fact And Trivia Book
The Vampire Witch From Outer Space (Hackles)
The World According to Perdita Whacknoodle: Two Christmas Stories
The key to everything
Three Card Spread: Tarot Reading Example
Transplanting Holly Oakwood
True Colours
True Heart
Two Scoops of Grace with Chuckles on Top: Sweet, Funny Reminders of God's Heart for You (Best Sellers in Humor)
Under the Influence: The Fine Art of Ken O'Toole (Fine Art Books from Dallas Fort Worth Artists)
Vegan Tex-Mex Cookbook
We Make Adventures
When One Door Closes--Reflections from Women on Life's Turning Points
Where is my tickey?
Witches in the Kitchen: Delicious Recipes for the Eight Sabbats
YOU - The Wise & Powerful Spell-Caster
You Called 9-1-1 For What?
You Can Preach - 7 Steps To An Effective Sermon
Free Voucher for $320 Instant Savings on the Purchase of Any Full-Priced ADT Pulse System of $399 or MoreSold by ADT Security Services
Redeem Online (and call to schedule an installation appointment by 11:59 p.m. ET on December 31, 2012)Features such as...
- Includes up to 15% off additional add-ons (up to a total of $240 discount)
- Around-the-clock burglary, fire, and carbon monoxide monitoring
- Remote door lock/unlock
- Emergency condition, flood, and water sensors tell you what's going on with your home anytime
- Remote arm/disarm
- Climate and light control
- Live video monitoring
Some conditions...
- May require the installation and/or activation of an ADT alarm system
- Offer does not include one-time $50 activation fee
- Must sign a 36-month monitoring contract with fees for early termination
- Local permit fees may be required
- System to remain property of ADT
- Must sign up for ADT EasyPay, an automatic bill-pay program
- Voucher cannot be combined with other offers or discounts
- Voucher valid only by calling 888-597-2535 to schedule an installation appointment
- Voucher not valid if a home visit by an ADT sales representative is required for any reason or preferred
- Voucher not valid for use with ADT Authorized Dealers
Amazon Coupons
Should i pay off my mortgage early with my inheritance?
Added on : Monday December 17th 2012 07:01:07 PM
Hi guys and gals,Here is the deal, i will most likely get a substantial amount of inheritance money. i know i will first pay of my high interest credit cards and afterwards i am discussing with my wife to see if pay off my house would be a good idea.Here is my situation:I live in Houston. I'm 40 with a house that has about $169k in mortgage and i have a so so job that is pulling in about $3.5k/month. We just got a baby daughter who is about to turn 1 and i know there will be expenses concerning her therefore,i would rather keep a nice stash of emergency funds. The good thing is i can pay off the credit card debts PLUS the mortgage and still have about $30k left. Now my question to you guys is should i even pay of my mortgage or should i pay $100k and refinance? I understand that if i buy the house out right i'm kinda stuck LOL and i know for a fact that the schools were rezoned last year to a high school that my neighbors are not happy about so of course this is a factor as well.What do you guys think?Thanks in advance!
Where to park ~100k?
Added on : Thursday December 13th 2012 12:02:08 AM
I own businesses and have ~250k cash in my bank accounts liquid. I have no business debt (ginormous 700k paid off in 5 years) so the cash accumulates every month. I maximize my retirement amounts and my only other debt is my primary residence and rental house. I don't really have a desire to pay those off rapidly due to very low interest rates and I'd rather keep the cash accessible for future business ventures and/or emergency funds. I plan to keep 60-80k as reserves in case I need immediate liquidity...wait, I just remembered I have a 100k LOC under my business with low interest, so in actuality I likely need lower immediate liquidity.Where do you guys suggest I park my money for quick liquidity in case I need it? My definition of relatively fast would be liquidity in 2 weeks or less. I'm a risk taker when it comes to business ventures, but I am also only a risk taker when I have a larger cushion so that is why I want liquidity. Rt now it sits in ING (b/c it was decent back in the day aka 08 or prior). I do not need to pay myself more b/c I don't need the money for daily expenses. I'm not married w/o kids so I can't funnel money into educational accounts etc. Surely someone will ask, so my businesses include land, oil, gas, & my rental property. Thanks.
Burg 9 or 10 GSM Watch Phone - $26 shipped @pennywise
Added on : Wednesday December 12th 2012 10:00:09 PM
http://pennywise.bizPrice: $26.99
Code: FATPENNY1 -$1.00
Ship: $0.01Final Price: $26.00If you missed Butcherboy's post last week now is is the time to get this.Burg 9 is an analog watch face while Digital BURG 10 is also an upgraded series because it allows you to read and send text messages also! Everything you need in a phone from bluetooth, calendar, call history, stopwatch and much more is all in this innovative device. With its user-friendly interface and simple approach to technology, its perfect for all ages and all occasions. Just insert a sim card and youre good to go! Naturally, we had to place a test phone call to see if it actually works, and surprisingly enough, it does it very well. Some of the models being shipped feature Bluetooth to enable users to Converse through their own headset.Get yourself and your loved ones an early Christmas treat with the stylish and innovative BURG 9 or 10 Watch Phone! Each purchase will get you a randomly selected watch between the Burg 9 and the Burg 10 Watch phones. The Burg watch phones generally start off at $149 and can go up to $400, here on Pennywise you can have it for the holidays for a mere $27 shipped to your door. Finally you can look smart with your smart phone from burg!Special Bonus: Each purchase of 3 Burg Phone Watches will receive additional 3 accessories free (1 Accessory per phone). Accessories shipping out will be randomly selected between Burg Bluetooth, Burg Headsets, Replacement Watch Bands and more. Please note that accessories will ONLY come with orders of three or more. If you order 1 or 2 phone watches you will not get this bonus. If you order 3 separate times you will not get bonus!Styles shipping out:
Burg 9 - Berlin, Ibiza, Rome Miami
Burg 10 - L.A., Paris, DubaiDeal Details:
Each purchase is for to one (1) Burg 9 ($149.99 MSRP) or Burg 10 ($189.99 MSRP) Watch
Style and color will ship out at random
Orders of 3 Watches or more will receive added bonus OEM accessories that will be randomly selected
All Burg watch phones are Brand New in Original Boxes
Watch Details for Burg 10 (Not burg 9):Mode: GSM With SIM Card Slot Built-in Rechargeable Battery for Phone
Phone Battery Light Indicator
Built-in Microphone and Speakers
Phone book
Making and receiving calls
SMS
Bluetooth capability
Call history
Multiple languages available
Speed dial
Several ring tone available
Voice count
Voice time
Alarm clock
Calendar
Stopwatch
Key lock and unlock
World clock
Calculator
Organizer
Emergency Calling
Unisex
Quartz Movement
Which Mortgage Option?
Added on : Tuesday December 11th 2012 09:01:09 PM
Purchasing a $284,000 home. Local credit union is providing two options both 30 year terms, similar closing costs and no PMI.Option A:
20% down with .25% point due at signing ($57,368)
loan amount of $227,200 @ 3.125%
Monthly payment of $973.26 Option B:
5% down ($14,200)
loan amount of $269,800 @ 3.625%
Monthly payment of $1230.43Total cost of loans would put Option A infront with a savings of $49,413 over the life of the loans ($92,581 monthly payment difference - $43,168 downpayment difference).BUTI can take the $43,168 difference in downpayment/point from Option A and place it in a very low risk, annuity that I've owned since I was 3.
It pays a garunteed minimum rate of 5.5%, compounded monthly. I can't touch it till 62.5 or I'll be hit with 10% penalty but that's only on earnings.
So, I'd be paying $49,413 in mortgagne interest to earn a minimum $180,761 in low risk annuity interest. What would you do? Monthly budget is going to be tight for the next few years, so the extra $257 a month is somewhat significant.
Questions I've been asking myself.
Taxes are a big what if, that affects the calc. Length of time I stay in the home is a question. Am I putting myself in greater risk with a home with low equity or is it better to have the chunk of money in an annuity if shite hits an oscillating device?
Am I stupid to not take advantage of interest rate arbitrage....
Extraneous Life information.
33 years old
I currently earn $92K, in a stable but new job, have $126K liquid
Wife has decided to stay home with a 17 month old, another on the way (need to keep a sizable emergency fund)
She has the potential to return to the workforce with a salary comparable to mine in the event of a job loss.
Have ~170K in 401k, was previously maxed but probably won't be able to while wife is out of the workforce for ~5 years.
~7K in college savings, going to have to increase for new little one.
No car loans, 2 late model cars recently purchased with cash.
Only debt is 26K in student loans with rate @ 1.625%
A brand new collection of state-of-the-art insights into transforming healthcare, from world-renowned experts and practitioners now in a convenient e-format, at a great price!   Making American healthcare work: 3 new eBooks get past ideology to deliver real solutions!   Even after Obamacare, Americas healthcare system is unsustainable and headed towards disaster. These three eBooks offer real solutions, not sterile ideology. In Overhauling America's Healthcare Machine: Stop the Bleeding and Save Trillions, leading healthcare expert and entrepreneur Douglas A. Perednia identifies the breathtaking complexity and specific inefficiencies that are driving the healthcare system towards collapse, and presents a new solution that protects patient and physician freedom, covers everyone, and wont bankrupt America. Perednia shows how to design a far simpler system: one that delivers care to everyone by drawing on the best of both market efficiency and public "universality" and is backed with detailed logic and objective calculations. Next, in Improving Healthcare Quality and Cost with Six Sigma, four leading experts introduce Six Sigma from the standpoint of the healthcare professional, showing exactly how to implement it successfully in real-world environments. The first 100% hands-on, start-to-finish blueprint for succeeding with Six Sigma in healthcare, this book covers every facet of Six Sigma in healthcare, demonstrating its use through examples and case studies from every area of the hospital: clinical, radiology, surgery, ICU, cardiovascular, laboratories, emergency, trauma, administrative services, staffing, billing, cafeteria, even central supply. Finally, in Reengineering Healthcare: A Manifesto for Radically Rethinking Healthcare Delivery JimChampy (Reengineering the Corporation) and Dr. Harry Greenspun show how reengineering methodologies can deliver breakthrough performance and efficiency improvements both within individual healthcare organizations and throughout the entire system, eliminating much of the 40%+ of U.S. healthcare costs now dedicated to administration. They demonstrate how reengineering can refocus investments on aligning quality and providing accessible care for millions more people.http://www.amazon.com/Practical-Healthcare-Management-Collection...
Amazon Coupons
http://www.sears.com/shc/s/p_10153_12605_02874947000P Overview
Ratings & Reviews
Guides & PoliciesProduct DescriptionWeather Handler 37pc Glove Box Tool Kit for Quick Repairs and Travel EmergenciesThe Weather Handler 37pc Glove Box Tool Set is packed together efficiently for you and ready to hit the road. You can use this traveling tool kit at home, in your car, boat or RV. It can be a useful asset for all your vehicles or make a great gift for family and friends.The Weather Handler 37pc Glove Box Tool Kit contains the essential tools you need for fast and easy repairs while you are in your car or RV on the road or in your boat on the water. This multiuse tool kit is just the thing to fit handily into the glove compartment of your car or SUV. Its neat size will also fit conveniently into a drawer in your kitchen, or any small space in your RV or boat.The Weather Handler 37pc Glove Box Tool Set is ready to go with you and provide what you need for rapid repairs or travel emergencies
It comes in a practical zippered case to keep all the tools close at hand and accessible for you
The kit includes: a ratcheting screwdriver, 9-piece socket set and an 11-piece bit set for minor emergency repairs while traveling
A 15-in-1 multipurpose tool is also incorporated in the kit to use for regular maintenance in the house or in your vehicle
A breakaway knife is added in so that you can have a sharp cutting edge when you need it
A flashlight, AA battery, 10 cable ties, electrical tape, and a tire gauge round out the kit for quick fixes
Sears.com Coupons
Refurbished Garmin Nuvi 1390LMT 69.98 at Wal-mart.com
Added on : Saturday December 01st 2012 07:00:02 PM
I and many others here have purchased the refurbished Garmin Nuvi 1390LMT when Wal-Mart had them for $79.98. Now, it's $10 cheaper. Includes lifetime maps and traffic, although you will need a cheap 4GB (or bigger) micro SD card in order to update to the complete latest maps, as the device has insufficient internal memory. Instead of using a micro SD card, you could also not install all regions of the map update. The refurb I purchased came with all new accessories. The device looked new, but indicated that it had been previously registered.Garmin nuvi 1390LMT 4.3-Inch Portable GPS:
4.3" widescreen, TFT-WQVGA, 480 x 270 pixels with white backlight
ecoRoute feature and 6 million POIs pre-loaded
Maps cover North America
Save up to 1000 waypoints, favorites and other locations
Built-in solid state memory
Intuitive touchscreen interface
Hands-free Bluetooth speakerphone
Lane assist with junction view
Integrated FM traffic receiver and free lifetime traffic updates
JPEG picture viewer, world travel clock, currency converter, measurement converter and calculator tools
Photo navigation
"Where Am I?" emergency locator
Garmin Lock anti-theft feature
Rechargeable lithium-ion battery lasts up to 4 hours
Includes GPS, vehicle suction cup mount, USB cable, dashboard disc and quick start manual
Refurbished Garmin Nuvi 1390 LMT
Walmart Coupons
5 LED MultiTool FlashLight - All-In-One Utility Toolkit $4.99 + $2.50 S/Hhttp://www.dailybargainshop.com/Features:Super-Bright 5 LED light flashlight
Red Emergency flashing light
8 built-in stainless steel tools folds right into the handle
Compact & Efficient design
Perfect for Outdoors, Around the house or any Emergency situations
Multitool Includes:
Scissors
Leather Punch
Saw Blade
Knife Blade
Screwdriver/Nail File
Bottle/Can Opener
Fish Scaler Serrated Edge
Large Screwdriver with 2 Hex Driver Openings
Condition: New
Packaging: Retail
I'm honestly a bit shocked no one has posted this yet. Looks like a great deal.http://lastcall.dailysteals.com/Garmin nuvi 3750Note: NO LIFETIME MAPS INCLUDED. Comes preloaded with maps of USA, Canada, and Mexico. Includes a 1-year warranty.Compare at Amazon: $200 new, $145 used, and $114 refurbed (from a seller with a 49% positive rating)Condition: Garmin Refurbished
Packaging: Box
Warranty: 1 Year
Brand: Garmin
Model: nuvi 3750

Product Features:
Less than 9mm thick
Full glass 4.3 multi-touch display
Dual orientation capabilities
Sleek design
trafficTrends enabled nuvi to learn daytime trends for traffic flow
myTrends saves regular destinations in your favorites, predicts routes
Lane assist with junction view guides you through intersections
Enhanced pedestrian navigation capabilities for use while walking
Turn-by-turn directions
Where am I? emergency locator
Garmin Lock anti-theft

What You Get:
Garmin nuvi 3750 GPS
Pre-Loaded City Navigator NT North America (U.S., Canada and Mexico)
Vehicle Suction Cup Mount with Speaker
Vehicle Power Cable
USB Cable
Quick Start Guide
For those who like Emsisoft Anti-Malware and looking for a good deal they have 3 licenses for the price of one for a one year license plus 50% off coupon code. coupon code: aff7558. It comes out to 19.97 plus you get an emergency USB-Stick [4 GB] which contains tools for portable scanning and cleaning of infected PCs sent free to home.http://www.emsisoft.com/en/order/antimalware/
FREE Child Safe Kit (Request up to 4)
Added on : Monday November 26th 2012 09:01:07 PM
FREE Child Safe Kit A child's safety is any parent or grandparent's priority. Finding better ways to protect kids or grandkids as they grow can be challenging.A Child Safe Kit can be essential to law enforcement in the event of an emergency. Preview The Child Safe Kit
http://www.sears.com/shc/s/p_10153_12605_02807200000Pgo thru shopdiscover or Ebates for 10% cb.$9.49 final a/cb 
Product DescriptionBe Ready For Emergency With WeatherHandler's Auto Safety KitYou never know when road conditions can change, and that's why the WeatherHandler Safety Kit has been put together to provide you with 44 fuss-free essentials that you'll need when a roadside emergency occurs. While you might already keep tools like flashlights in your car, it helps to know that there's a kit where everything's kept together so you can just reach for it in times of need.The Auto Safety Kit contains safety musts like the Reflective Triangle, S.O.S banner, emergency poncho, flashlight and 25-piece first-aid-kit. In addition, you'll also get booster cables, slip joint poiers and a 5-piece screwdriver kit so you can easily fix minor problems. Don't let an auto incident wreck your day, be prepared with this safety kit in your car. The WeatherHandler Safety Kit is ideal for roadside emergencies
Premium carrying case that can be attached with reflective triangle
8 ft., 10-gauge booster cables (SAE performance quality)
6' slip joint poiers
5 assorted cable ties
Flashlight
S.O.S. banner
Screwdriver set, 5 bits
PE gloves
Reflective triangle
Emergency poncho
25-pc. first aid kit
Sears.com Coupons
Bridgestone Auto Emergency Kit $30 @ Costco B&M
Added on : Sunday November 25th 2012 07:00:09 PM
Costco has the Bridgestone Auto Emergency Kit for $30. Can't vouch for the durability of the compressor or flashlight but it'll do in a pinch especially at night and/or in the rain. It'd cost more to assemble all these items yourself and this includes a nice carrying bag with compartments.Item # 504197 includes:
Carrying caseAir compressor 12v
Booster cable 8 gauge, 12 ft
Tie down strap
Duct tape
Electrical tape
10 cable ties
Tire gauge
2-in-1 screwdriver (philips & slot)
Utility knifeRubber flashlight (cheapy PR2 incandescent bulb)
2 heavy duty D batteries
Window mount triangleFabric blanket
Nitrile gloves
Emergency ponchoFirst Aid instruction card
20 large adhesive strips
15 small adhesive strips
2 gauze pads
adhesive tape
10 cotton balls
4 hand wipe towelettesCompare to $56 @ Amazon
Choosing HSA vs PPO
Added on : Saturday November 24th 2012 09:01:14 AM
My best friend is here for the holidays and I am helping her complete her open enrollment. Her company just started offering an HDHP/HSA in addition to two levels of PPO. I have an HDHP and she understands the differences, but when we tried to figure out the financial difference for her historical usage we cant be certain if the HDHP is the best choice, we think it technically is, but wanted a different opinion.Here are the basics based on her historical usage. All amounts are based on the EOBs and the actual amount allowed by the Ins. Both plans are offered by the same Ins and are pretty simple (very few differing co-pays, etc) and everything is in network, she doesnt anticipate any need for out of network and the plan is BCBS so not hard to stay in network.Current PPO:
Annual Premium: $1200
Non-preventative care visit: $35 (copay 1x per year)
Specialist Visit : $100 (4x per year at $25 copay each)
Allergy Serum: ~$500 (1x per year usually, so this is the deductible, an additional serum would be ~$166 20% coins)
Allegry Shots: $46 (~20 visits at $2.30 per 20% coins)
Prescriptions: $40 annually (generics are $10 for a 90 day supply, preferred brands would be $70 per 90 days but she doesnt take any of those)
Anticipated OOP for everything: $1921Office Visits $25copay
Urgent Care $50 copay
Preventative care no charge
Emergency Room $250 copay + 20% after meeting deductible
Hospital/Outpatient/supplies 20% after meeting deductible
OOP Max $3000 (it appears copays apply to OOP max, but would continue after reaching OOP max, so in her historical scenario she would have about $2300 of exposure in OOP max left) 
New HDHP:
Annual Premium: $120
Non-preventative care visit: ~$108 (1x per year)
Specialist Visit : $832 (4x per year at $208 each)
Allergy Serum: ~$832 (1x per year usually, an additional serum would put her over the HDHP deductible)
Allegry Shots: $460 (~20 visits at $11.50 per)
Prescriptions: $40 annually (priced prescription @ costco)
Anticipated OOP for everything: $2392 *LESS* $600 employer contribution to HAS, net out of her pocket $1792. She would have approximately $600 left under her deductiblePreventative care no charge
Deductible - $3000
OOP Max $3000 with no coinsurance after reaching Deductible
Assuming we havent missed anything, she is about $130 better under the HDHP, but that could easily be eaten up with one additional office visit or another minor non-planed event. It is unlikely that she would used much less than the planned, although she may be approaching maintenance on the allergy shots, which might allow her to move to 1x per month instead of usually 2x. This would have a larger impact on the HDHP costs than the PPO since her PPO visits only cost $2 each (compared to $11.50). She is the type that doesnt go to a regular dr unless she absolutely has to. If she had some major issue require emergency care or surgery, she would obviously be better under the HDHP because she only has about $600 left before hitting her OOP max compared to $2300 under the PPO.Given these, we think she should choose the HDHP but are we missing anything? If we arent, we figure that barring a major expense, both plans will probably end up within a few hundred dollars for her. Other considerations:
The PPO is less hassle but the HDHP offers an opportunity to save more in an HSA
If she choose the HDHP she will fully fund the HSA
Uncertainty of Obamacare impacts on HDHP after next year
Hotel Cancellation
Added on : Thursday November 22nd 2012 09:01:20 PM
Short story: Booked a Hotwire Hot rate reservation in my name, for tomorrow Friday to Thursday. The person that is supposed to be staying in the room is no longer coming so I need to cancel. Can I purchase trip insurance and be covered due to depression?
http://www.etravelprotection.com/hotwire/Long story: Online date was supposed to travel to meet me. My ex gf tracked her down and called her father defaming my character and telling him not to let his daughter come see me. Parents and daughter are understandably freaked out and will not allow daughter to come. Airfare, hotel, theater tickets, flowers, etc already paid for and non-refundable. Total is over 3k. I would like to lessen my losses and get back the Hotel fee by buying trip insurance. Since the reservation is in my name, can I claim a medical emergency, which I am suffering right now due to the anger and depression this has caused and get some of my money back? My Psych doc may write a letter testifying to my emotional state of being unable to "travel".
best phone option for tourist in US
Added on : Monday November 19th 2012 11:01:38 AM
A friend of mine is traveling to US for 10 days. What is the best option for a phone service ? I was thinking about phone cards, but he can use them from hotel phones, payphones - but the access charges are high. Would you suggest a tracfone type of service ?
His phone calls would be within the country informing hotels if would be late coming in, only for emergency use.Would appreciate any suggestion.
thanks
ThinkTank Technology 31 Piece Roadside Emergency Kit $9.99 Shipped
Added on : Sunday November 18th 2012 08:00:04 PM
ThinkTank Technology 31 Piece Roadside Emergency Kit With Insulated Jumper Cables & Hard-Shell Carry CaseList Price: $49.99
Savings: (80%) $40.00
Your Price $9.99bensoutlet.com
My boyfriend is an idiot when it comes to personal finance.
Added on : Sunday November 18th 2012 11:00:58 AM
My boyfriend and I have been together for 3 years and live together. He is a good and genuine person, but is very irresponsible when it comes to personal finance. He came into the relationship with about $5K in debt. I sat down with him, tried to teach him, made him read Suze Orman & Ramit Sethi books, and put together a plan so that he was able to pay it all off in about 6 months. Shortly after, I found out that he had a few hundred more in high interest debt that he had been hiding. He said that he was embarrassed about it and wanted to handle it himself because a grown man should be able to do it without his girlfriend's help. I was pissed that after all of our planning, he was still making stupid decisions and hiding debt from me. We eventually got through it and he paid it off. As far as I knew, he was debt free and saving up an emergency fund and Roth IRA.Then yesterday, I found out about another $500 in debt at 20% APR that he has had for 2 years on BillMeLater.com. I had him subscribe to MyFICO.com, so I can monitor his FICO score and credit report but for some reason, this line of credit did not show up on the report. He originally spent $400 on Christmas presents in 2010 and has bought nothing since then. He has only been making small payments occasionally and has racked up $735 in interest and late fees over 2 years. He never thought it was urgent because only a few bucks in interest and fees were tacked on each month. He didn't realize that it all adds up until I showed him the $735 total that he flushed down the drain. The kicker is that he has the money to pay it off in his savings! He again said that he hid that debt from me because he was embarrassed and wanted to feel like he could take care of it without my help. He also didn't use his savings to pay it off because he wanted me to be proud of him because he was saving.Overall, the amount of his debt was never a big deal. He's not spending lavishly. It's just that he is so incredibly stupid about personal finance. It is astounding to me that after 3 years of working hard to teach him, he still isn't able to grasp personal finance. I feel like this is a road block to our relationship moving forward towards marriage. I am pretty well off at age 29 and am very responsible and frugal. He has never asked for a dime from me, but I don't want his money problems to drag me down. He is a great person, so I don't want to lose him. Is there anything else we can do to fix our problems? Or is he hopeless?
Pay Now or Finance 18 Months?
Added on : Wednesday November 14th 2012 10:01:00 AM
I'm pretty sure I know the answer...But wanted your opinion.I'm buying an iPad for $499.99. Actually, I already bought it. I am considering an alternative:1. $499.99 + 6.75% tax = $533.74. Paid with credit card financed for 18 months.2. $499.99 + No Tax - 5% CashBack = ~$475. Paid all at onceNotes: I can pay it off now. I don't need to finance for any reason other than just having emergency funds.
I would make $15 in interest before taxes if I saved the money now and financed, bringing the total more to like ~$520 on the card.What would you do? Does it always make sense to save money now or would it make more sense to spread the extra ~$50 over 18 months?
Free American Medical ID Engraved medical Alert Bracelet
Added on : Sunday November 11th 2012 09:00:42 PM
Free American Medical ID Engraved medical Alert BraceletI believe the only one you can get is the silicone ID bracelet. That is the one offered to me.Id Bracelet linkIf you don't have a medical condition It says on the website that if you're healthy to put your emergency contact info on it. Free shipping no CC needed.
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
Roadside Emergency Kit With Insulated Jumper Cables $13.99 Shipped
Added on : Friday November 09th 2012 11:00:03 PM
http://1saleaday.com/family/
Outdoor Emergency Survival Bracelet, $2.99 with free shippingSurvival bracelets allow rapid dismantling of the rope as you need into a fully load-bearing I weight a lifeline.Can make an emergency trap, tie temporary tents, etc. Wear your equipment to prevent loss.- 7.48 inches when braided (not including buckle), expands to approximately 12 feet
- Single rope pull of 400 pounds
- Diameter of .2 inches (5mm)
- Model Number: 0015342-001ETA: if link does not work, search for the model # on www.meritline.com
Meritline Coupons
Dealing with Hospital bills/collections, etc.
Added on : Wednesday November 07th 2012 12:00:51 PM
Until recently I was a full time student. I had to have emergency surgery prior to my last semester. I had insurance, but there was still a balance left after the insurance paid out, in most cases.So now, I have had approximately 12 bills to deal with. Some are from different places, some are from the same places. My strategy has been to just pay $25 to whatever bill I get in the mail, but I want to get more organized in tackling these.One place put me in collections because they only sent one bill. So my question is....what is a good strategy for tackling all of these bills?? I've paid off a few, but I can barely keep up with who I owe what to and when I have to send them money. Is there any way to make this process easier? I'm about ready to take out a loan to pay off the bills, but then I'd have to deal with interest.
Am I on the right path to maintaining/achieving financial stability?
Added on : Tuesday November 06th 2012 10:00:58 AM
There are a lot of factors to consider. For those of you not interested in a lengthy read, look away now! I have some concerns and I'm hoping that the decisions my wife and I are making now aren't going to haunt us for years to come. Let me start by giving my story and then I'll pose a few questions at the end. Hopefully, someone can shed some light on what I'm doing right and wrong. Maybe this thread will help others who are just completely confused.The Story:My wife and I (25-years-old and 26-years-old) got married back in June of 2010 and bought a foreclosure in January of 2011. We ended up getting an unbelievable deal. The house appraised for $64,500 and we bought it for $18,900. We borrowed $10,000 from my parents and combined it with our savings to pay cash for the home. We immediately took out a $45,000 loan against the house so we could do some renovating. We used $10,000 to pay back my parents and then used $12,000 to pay off my wife's student loan. The remainder went into the home. We saved a ton by doing all of the work ourselves. Upon completion, the home was appraised again. The current appraisal value is $80,000. Roughly $9,000 of the money spent was toward furniture that will go with us if we ever decide to sell. All in all, it didn't take much to completely change the home.In addition to the home loan, I still have a student loan to the tune of $28,000 and a car loan for $16,600. While in college, I applied and was approved for a college rewards credit card. It started out with a $300 limit, but was later increased to $400. Last year, I requested a $1,000 limit in the event we would have an emergency and not have access to savings. Surprisingly, at least to me, we were denied. We never carried a balance on the card and have never been late for a payment on anything. We only use the card for gas and online purchases and then pay it off during the same billing period. I guess they didn't like not making any money off of interest. Anyway, the card is of little to no use, so we recently applied and were approved for another credit card through a different bank. We asked for a $1,000 limit and were given a $2,500 limit. I'm contemplating setting up all of our utility bills and my student loan to be auto-paid with the card. I would still pay the entire balance at the end of each month.My wife and I do not make a lot of money. I work at a college and make $25,500 a year. I was fortunate enough this year to teach 4 credit hours of classes as and adjunct faculty for an additional $2,000. My wife works at a local bank and makes $22,500 a year. We work in the same town, so we only need the one vehicle.Debt Summary
Mortgage: $238 per month for 30 yrs. (almost 28 yrs. remaining)
Car: $325 per month for 72mo. (58mo. remaining)
Student Loan: $225 per month... until I die. (Opened 8/2005)
Credit Card 1: $0 balance ($400 limit - Opened 4/2008)
Credit Card 2: $0 balance ($2,00 limit - Opened 10/2012)
Total: $788Bills
Insurance: (We always pay our homeowner's, flood, and car insurance for the entire year when we get our tax return.)
Electricity: $65
Water/Sewage/Trash: $35
Gas: $40
TV/Internet: $85
Cell Phones: $75
Total: $300Income
$4,000 p/mo. combined - before taxes ($788/$4000 = D/I Ratio: 19.7%)
$2,950 p/mo. average combined after taxes, retirement contributions, etc.Current Savings: $1,300
My Current Retirement: $3,650 with an annual ROR of 12.9% (My employer matches a max of 6% - that is what I currently contribute - I've only been with this employer since 09/2011 and do not have any additional retirement accounts elsewhere.)
Wife's Current Retirement: $0 (No program offered by employer - she does not currently have any retirement.)
My Equifax Credit Score as of 10/2012: 748
Wife's Equifax Credit Score as of 10/2012: 750
So here are my questions:At a glance, do our finances seem acceptable or are we in trouble?
Should we be worried about my wife not having started a retirement plan at this point?
Where should we start?
Should we have a target amount that we should be putting into savings each month?
Are our credit scores/debt-to-income ratio considered good?
I suppose the one question that could be asked is:If you had a friend that was in exactly the same financial position as we are, would you loan them money?
What a great sign of respect for our servicemembers and veterans! Please share with all and support these businesses. Assuming this is good across the Country but the website is available if you want to research further.Happy Veterans Day 11/12/12 to our Veterans and thank you for your service to those currently serving!  

2012 Free Veterans Day MealsSource: http://themilitarywallet.com/veterans-day-free-meals-and-discoun... Thanks!  Applebees free meal, Sunday, Nov. 11, 2012: Last year, Applebees served over one million free meals to military veterans and active servicemembers. Applebees is again offering a free meal to military veterans and active-duty service members on Veterans Day, Sunday, Nov. 11, 2012. There will be 7 entres to choose from, beverage and gratuity not included. Military ID or proof of service required. More.
Chilis free meal, Sunday, Nov. 11 2012. Chilis is offering all military veterans past and present their choice of one of 7 meals. This offer is available from 11am 5pm on November 11, 2012 at participating Chilis in the U.S. only. Dine-in from limited menu only; beverages and gratuity not included. Veterans and active duty military simply show proof of military service. Visit their website to find locations.
Dennys Veterans Day Appreciation Event, Nov. 12 2012. Free all you can eat pancakes from 6 a.m. 2 p.m. on Monday, Nov. 12 for all active, retirees, and veterans with a valid military ID or proof of military service. Offer available in every Dennys nationwide.
Famous Daves Sunday Nov. 11 2012. Free or discounted meals on Veterans Day. Offer varies by location, please check the Famous Daves Veterans Day page or call your local restaurant for more information.
Golden Corral Free meal, Monday Nov. 12: The 12th annual Golden Corral Military Appreciation Monday dinner will is available to any person who has ever served in the United States Military. If you are a veteran, retired, currently serving, in the National Guard or Reserves, you are invited to participate in Golden Corrals Military Appreciation Monday dinner. For more information visit http://www.goldencorral.com/military/.Special thanks to Golden Corral: To date, Golden Corral restaurants have provided over 3.2 million free meals and contributed over $6.1 million to the Disabled American Veterans organization. Amazing!
Hooters Free Meal, Sunday, Nov. 11 2012. Hooters is serving up a free meal to military veterans all day on Veterans Day. Offer good for all veterans and active duty military personnel. Get 10 Free Wings Boneless or Regular, drink purchase required. Offer valid at participating Hooters only; open to all active duty and military veterans with valid military ID or proof of military service. For more information, visit, www.HootersVeteransDay.com.
Krispy Kreme Free doughnut. Available only at participating Krispy Kreme stores. Offer available to all active-duty, retirees & veterans on Friday November 11th. Be sure to call ahead to verify your local Krispy Kreme is participating.
Little Caesars Pizza, Monday, Nov. 12, 2012. Little Caesars is honoring the men and women of the United States armed forces this Veterans Day by providing veterans and active military members with a free Crazy Bread with proof of military status or proof of service at participating stores nationwide. Call ahead to verify participation. Find a location near you.
Lone Star Steakhouse, Monday, Nov. 12, 2012. Free Appetizer for military members and veterans. Taste of Texas Sampler not included. ID required, please call ahead for verification.
Outback Steakhouse A week of Free Bloomin Onions and Cokes Monday Nov. 7 Friday Nov. 11 2012. Outback Steakhouse is honoring Americas military veterans by offering active duty military and veterans a free Bloomin Onion and a Coca-Cola product during the week leading up to Veterans Day. This offer is available to Military Personnel with ID. The Outback understands commitment. For the past two years, The Outback, with the help of their patrons, has donated $2 Million to Operation Homefront, a non-profit organization providing everyday and emergency support for active troops, wounded warriors and their families.
Subway Free Six Inch Sub, November 11, 2012. Select SUBWAY Restaurants will offer a FREE six inch sub or flatbread to military veterans on Veterans Day. This offer is valid only on November 11, 2012 at participating local SUBWAY restaurants, Military ID or proof of service required. Note: SUBWAY Restaurants are franchises, so this offer may not be available everywhere. Please call ahead for participation and times.
Texas Roadhouse free lunch, Sunday, Nov. 11 2012. Every Texas Roadhouse location across the country will participate in the free lunch event to honor the men and women of our armed forces. Choose from one of 10 free meals, plus sides and a drink. Offer good for All veterans including all active, retired or former U.S. military. ID Required. Find locations.
T.G.I. Fridays Free Lunch, Monday Nov 12, 2012. Valid for all US Military personnel and veterans. Must wear uniform (if permitted by your service) or present military ID or other proof of service. Only valid at participating locations for anyone with an old or current military ID. More details on TGIFridays.com.
The Olive Garden, Free entre, Nov. 11, 2012. Offer good for veterans and active duty military, on Sunday, November 11th during regular business hours. Chose from a special menu; all entres inlcude freshly baked garlic sticks and choice of soup or salad. Offer good in US and Canada, proof of service required. More info.California Pizza Kitchen - Enjoy any Pizza from our menu and any non-alcoholic beverage, dine-in only.Please come in uniform or bring your military ID or other proof of Service. Thanks Archena
Down Vest - MicroTherm - EddieBauer.com $59.99 plus ship
Added on : Friday November 02nd 2012 11:00:10 AM
LinkIncredibly thin and lightweight, but with 800 fill Premium European Goose Down to keep you warm. Packs small, so it's easy to take along as a mid-, last or emergency layer. Water-repellent ripstop nylon shell with 800 fill down insulation
Machine wash
ImportedLow stock
Eddie Bauer Coupons
Rayovac SE3DLNCOM Sportsman LED Lantern for best price
Added on : Thursday November 01st 2012 09:00:06 AM
With optimized beams, rubber grips, and tactical switches, Rayovac's SE3DLN Sportsman lantern is ideal for use inside and out, whether you're heading for the hills or camping out in your home during a power outage. Nicely compact and ultra-portable at just 7 inches tall and under 3.5 inches wide, the Rayovac SE3DLN lantern also provides an incredibly bright 240-lumen light that makes it a useful resource for outdoor adventures as well as for emergency preparedness.
Text
Amazon Coupons
Garmin 1450LMT GPS refurb, $89.88 @ Walmart.com
Added on : Wednesday October 31st 2012 01:00:04 PM
This deal comes around every once in a while.Walmart link.Free ship to WalMart store, $1.97 shipping to somewhere else.Garmin Refurbished nuvi 1450LMT 5" GPS with Lifetime Maps and Traffic:
5" LCD touchscreen display with 480 x 272 resolution
6 million POIs
Maps cover U.S. and Canada
MicroSD card slot
Voice prompts
Traffic compatible
Lane assist guides to proper lane for navigation
Junction view displays junction signs
ecoRoute calculates a more fuel-efficient route
Auto sort multiple destinations
Route avoidance
Speed limit indicator
Where Am I? emergency menu
Enhanced pedestrian navigation
Photo navigation
Custom POIs
World travel clock, currency and unit converter and calculator
QWERTY or ABC keyboard layout
Garmin Lock anti-theft feature
Picture viewer
Rechargeable lithium-ion battery with up to 3 h of life
Includes FM traffic receiver with vehicle power cable, vehicle suction cup mount, USB cable and quick start cableDon't forget FatWallet Cash Back, and 5% Discover Card Cash Back for online shopping this quarter.
Walmart Coupons
$31k in Student Loans at 3.25%, pay minimum or pay extra?
Added on : Wednesday October 31st 2012 11:00:58 AM
I started with close to $120k in student debt and have been aggressively paying it off over the last ~18 months to get to where I am today. I've focused on all of my government loans that had rates greater than 6%, and am now left with a $31k private loan with a floating rate currently at 3.25%.The minimum monthly payment is $186. I currently have $25k in a savings account for emergency or for when I may need some cash (don't currently own a car or house) that I don't plan on touching. Realistically, I can likely pay about $2k a month towards my loan, or the other option would be to continue to grow my cash base or start to invest elsewhere. I have about $30k in my 401k. If it matters, I am 30, single, no car, no house. Also, this is a slight continution from this thread: LinkWhat would you all do in my sitation? Pay down the $31k at roughly $2k a month? Or use that money elsewhere and continue to just pay the minimum while the floating rate remains fairly low?
HY-88E Emergency Dynamo Solar Self Powered and Hand Crank AM/FM/WB(NOAA) Radio w/ LED Flashlight, Cell Phone Charger w/ USB adaptors and cords $19.99. Free Ship with Amazon Primehttp://www.amazon.com/HY-88E-Emergency-Powered-Flashlight-adapto...Here ls a 2 pack for $37 Shipped
http://www.amazon.com/HY-88E-Emergency-Powered-Flashlight-Charge...

50% off list price of $39.99. Sale price $19.99.
Didn't find comparables on Pricegrabber.

Product Features

Very compact, light, and easy to carry yet loaded with many important functions which are a must have for any survival kit. This must have emergency toolkit radio comes with a AM/FM/WB(NOAA) weather band radio, a powerful 3 LED flashlight, cell phone charger with cables and jack accessories, Dynamo hand crank, Solar Power, and USB power/charging of radio. Multiple ways to power/charge the radio: hand crank to wind up internal alternator, expose to sunlight to charge by solar panel, DC recharge by connecting the mini USB cable to computer. This is a self power emergency radio that you and your family can depend on, anytime anywhere, any weather.

This radio is an improvement from other crank chargers, you can fully charge this radio though the USB/AC/DC, solar panel, or hand crank and then when you need it, you can use the radio to recharge Cell Phones, IPods, MP3s/MP4s, USB devices with no cranking. Toher crank chargers require continuous hand cranking to charge a device but not this radio. Cables, USB Jack, micro USB, and Mini USB Jack are included! Also has built-in charging and discharging protection.

This High quality and rubberized housing radio has waterproof housing so it is ideal for hiking, camping, stored in a car trunk, or any emergency kit. Product Description

New Alert HY-88E Self Powered AM/FM/WB(NOAA) Emergency Dynamo Radio w/ LED Flashlight & Charger
Charges Cell Phones, IPods etc with mini, micro, or standard USB Jack. * Multi-band tuner with AM, FM, WB
* 3-LED super bright pushbutton flashlight
* USB cell phone/iPod/MP3 charger
* Built-in Ni-MH rechargeable batteries (Customer Replaceable)
* Large solar panel in top of radio
* High-quality dynamic speaker
* 3-way powered (no Batteries required):
1) Dynamo Crank charging
2) Solar power
3) Computer using USB cord (included) Large built-in solar panel powers the radio by sun or indoor light!
The small handheld multifunction radio is perfect for emergency use indoor or outdoor.
The radio is designed to charge many small electronic items. Comes with a DC cable, standard USB jack, mini USB jack, micro USB jack, and a standard USB to mini USB cable. The DC cable can connect to one of the jacks which can charge gadgets like your Mobile/Cell phones, Mp3, Mp4, iPod and more. Features: 3 Ways to Power Up:
Hand Crank The Dynamo Handle
Unit is self-charged by the built in solar panel
Computer using USB cord (included)
AM-FM Radio
Weather Band
3-Brilliant White LED Flashlight
Telescopic Antenna
Built In Speaker
Cell Phone Charging Jack (cables, and USB adaptors are included)
Dimension: 128 x 60 x 45 mm or 5 x 2.5 x 2 inches
Weight 9 oz Brand New In Sealed Box!
In stock and Ready to Ship!
gooddeals23 op / sd
Amazon Coupons
HY-88E Emergency Dynamo Solar Self Powered and Hand Crank AM/FM/WB(NOAA) Radio w/ LED Flashlight, Cell Phone Charger w/ USB adaptors and cords $19.99. Free Ship with Amazon Primehttp://www.amazon.com/HY-88E-Emergency-Powered-Flashlight-adapto...Here ls a 2 pack for $37 Shipped
http://www.amazon.com/HY-88E-Emergency-Powered-Flashlight-Charge...

50% off list price of $39.99. Sale price $19.99.
Didn't find comparables on Pricegrabber.

Product Features

Very compact, light, and easy to carry yet loaded with many important functions which are a must have for any survival kit. This must have emergency toolkit radio comes with a AM/FM/WB(NOAA) weather band radio, a powerful 3 LED flashlight, cell phone charger with cables and jack accessories, Dynamo hand crank, Solar Power, and USB power/charging of radio. Multiple ways to power/charge the radio: hand crank to wind up internal alternator, expose to sunlight to charge by solar panel, DC recharge by connecting the mini USB cable to computer. This is a self power emergency radio that you and your family can depend on, anytime anywhere, any weather.

This radio is an improvement from other crank chargers, you can fully charge this radio though the USB/AC/DC, solar panel, or hand crank and then when you need it, you can use the radio to recharge Cell Phones, IPods, MP3s/MP4s, USB devices with no cranking. Toher crank chargers require continuous hand cranking to charge a device but not this radio. Cables, USB Jack, micro USB, and Mini USB Jack are included! Also has built-in charging and discharging protection.

This High quality and rubberized housing radio has waterproof housing so it is ideal for hiking, camping, stored in a car trunk, or any emergency kit. Product Description

New Alert HY-88E Self Powered AM/FM/WB(NOAA) Emergency Dynamo Radio w/ LED Flashlight & Charger
Charges Cell Phones, IPods etc with mini, micro, or standard USB Jack. * Multi-band tuner with AM, FM, WB
* 3-LED super bright pushbutton flashlight
* USB cell phone/iPod/MP3 charger
* Built-in Ni-MH rechargeable batteries (Customer Replaceable)
* Large solar panel in top of radio
* High-quality dynamic speaker
* 3-way powered (no Batteries required):
1) Dynamo Crank charging
2) Solar power
3) Computer using USB cord (included) Large built-in solar panel powers the radio by sun or indoor light!
The small handheld multifunction radio is perfect for emergency use indoor or outdoor.
The radio is designed to charge many small electronic items. Comes with a DC cable, standard USB jack, mini USB jack, micro USB jack, and a standard USB to mini USB cable. The DC cable can connect to one of the jacks which can charge gadgets like your Mobile/Cell phones, Mp3, Mp4, iPod and more. Features: 3 Ways to Power Up:
Hand Crank The Dynamo Handle
Unit is self-charged by the built in solar panel
Computer using USB cord (included)
AM-FM Radio
Weather Band
3-Brilliant White LED Flashlight
Telescopic Antenna
Built In Speaker
Cell Phone Charging Jack (cables, and USB adaptors are included)
Dimension: 128 x 60 x 45 mm or 5 x 2.5 x 2 inches
Weight 9 oz Brand New In Sealed Box!
In stock and Ready to Ship!
gooddeals23 op / sd
Amazon Coupons
Essential Gear 30 Day Lantern $29.96 + $ 6.99 S/H @ Campmor
Added on : Friday October 26th 2012 05:00:03 AM
Essential Gear 30 Day Lantern $29.96 + $ 6.99 S/H @ Campmorhttp://www.campmor.com/outdoor/gear/Product___84055You'll want to make the 30 Day Lantern from Essential Gear one of your main essentials for all your outdoor activities! This super bright, 300 lumen, LED lantern lasts an amazing 30 days, has 4 different lighting modes (high, med, low and S.O.S. emergency flash) and even set on "high" the batteries will last 32 hours, 3.5 days on "medium" and 15 days when in the SOS flashing mode. This highly durable, water-resistant lantern is well protected from shocks with rubber encasements and converts to a downward shining light simply by removing the globe and hanging upside down with the built in hook. Whether using this for an outdoor adventure, or a home power outage, you can be free from the worries of short-lived lighting! Up to 300 Lumens on high/ 150 on Med/ 29 on Low
Up to 32 hours on high/ 3.5 days on med/ 30 days on low
Bulb Type:2 x 2 W Nichia white LED's
4 Mode electric switch -High>Medium>Low>SOS Flashing
Amber LED Indicators show brightness levels
32 hours continuous use on high mode
Green LED indicator
Removable globe provides foreward area light
Rubberized housing enhances impact resistance
Built in recessed hook at lantern base for hanging as a light that shines downward
Water resistant (IPX 4)
Includes hanging hook
Size: 4.8" x 4.8" x 9.5"
Weight: 1.20 lb - without batteries.
Requires 3 "D" batteries, not included.
Campmor Coupons
Rosewill Travel Alarm (2-Pack) $9.99 Free Shipping
Added on : Monday October 22nd 2012 02:00:05 AM
Newegg has this Rosewill Travel Alarm for $9.99 after instant savings. You can attach the alarm to any door.Shipping is free.It can be easily setup - just hang it on the door knob and insert the door clip sensor into the door gap. If any vibration is detected, it would sound 100 dB alarm to scare away the intruder. LED flash light with up to 30 Lux is built right in for emergency use.Here is the link.
Newegg Coupons
http://www.homedepot.comSportsman Clean Burning LPG 4000 Peak Watt Portable Propane Generator $299
Sportsman Clean Burning LPG 4000 Peak Watts Portable Propane Generator
Model # GEN4000LP
Internet # 202222977Store SKU # Store SO SKU#  Overall rating 4.2 / 5 Rating breakdown 88 reviews
5 stars444 stars333 stars22 stars21 star7Quality
4.2 / 5
Value
4.6 / 5
74 out of 83(89%)reviewers recommend this product.(88) Write a Review Share this product WAS $377.00 $299.00 /EA-Each
Limit 5 per Order Free Shipping
Online Special Valid : 10/20/2012 - 10/20/2012 Online Exclusive Learn More
This item cannot be shipped to the following state(s): AK,CA,GU,HI,PR,VIPRODUCT DESCRIPTIONThe Sportsman Propane 4000 Watt Portable Generator can power common household appliances and power tools. It is equipped with two -120 volt outlets and a 12 volt DC outlet for battery charging. A generator of this size is ideal for small camping or tailgating parties or to have on hand in case you need some temporary power in an emergency situation.It has a 7HP 4-Stroke OHV Recoil Start engine. Its affordable but well thought out with full featured options such as Automatic Low Oil Shutdown and Automatic Voltage Regulator. It boasts an engine run time of 10 hours at 50% on a common 20Lb (gas grill type) cylinder (LPG cylinder not included). A 5 foot propane fuel hose with a regulator is included for your added convenience. The engine is surprisingly quiet; it runs at less than 68 Db. This is a great generator for anyone who needs affordable power.Propane has several distinct advantages over gasoline generators. Propane burns cleaner than gas engines. Carbon monoxide emissions run up to 40% lower. Propane will not degrade, so you can keep several propane tanks on hand for emergencies and store them for an unlimited amount of time. Since this generator runs on propane you never have to worry about the fuel going bad or having the carburetor getting fouled due to degenerated gasoline - a common problem with gasoline powered small engines. Uses a standard gas grill style LPG tank like the ones sold and refilled at The Home Depot
The 7 HP, 4 stroke OHV, recoil start engine, delivers maximum performance
The generator runs on clean, quiet and efficient liquid propane gas (LPG), so you never have to worry about bad gasoline fouling the engine
4000 Surge Watts/3250 Running Watts
5 ft. regulator hose is included in box
LPG propane tank is not included
Air cooled, AVR automatic voltage regulation, recoil start, low oil shut off, spark arrestor, full power panel, engine shut off switch, overload protected outlets
2-120V Outlets and 1-12V DC Outlet
Run time equal to10 hrs at 50% load per 20 lbs of LPG fuel
Decibel Rating: less than 68 db
EPA approved
MFG Brand Name : Sportsman
MFG Model # : GEN4000LP
MFG Part # : GEN4000LP
Return To TopSPECIFICATIONSAmperage (amps) 29 A Assembled Depth (in.) 24.5 in
Assembled Height (in.) 18 in Assembled Width (in.) 17.5 in
Auto idle control No Automatic Voltage Regulation Yes
Built-in inverter No CSA Listed No
ETL Listed No Electrical Product Type Portable Generator
Engine Displacement (cc) 196 Engine manufacturer Sportsman
Fuel Gauge No Fuel tank capacity (gallons) 100
Fuel type Propane Gas Full load fuel consumption (gallons/hour) 1.0
Horsepower (HP) 6.5 HP Low oil shutdown Yes
Manufacturer Warranty 1 Year Limited Muffler Yes
Number of circuits/outlets 3 Operational volume (dB) 79.5
Osha Required GFCI Outlets Yes Output Receptacles 3.0
Product Height (in.) 18.5 Product Length (in.) 24.2 in
Product Weight (lb.) 102 Product Width (in.) 17.5 in
Rated wattage continuous (watts) 3250 Rated wattage peak (watts) 4000
Returnable 30-Day Run time at 50% load (hours/tank) 10
UL Listed 1-UL Listed Voltage Rating 120.0
The Home Depot Coupons
Swiss+Gear SAI722 Backpack $5 @ OD BM
Added on : Saturday October 13th 2012 02:00:06 PM
My Office Depot in the SF bay area is clearing out back-to-school backpacks, mostly non-brand name, with the following exception:Swiss+Gear SAI722 SKU: 805639 Normally $20, on clearance for $5. 5 year warranty. Black with pink, blue or black accents. These are basic backpacks, nothing fancy. Fine for day hikes, gyms, emergency bags, etc. If you want to impress your family/friends/neighbors, then look elsewhere.Here's a description:
http://www.amazon.com/SwissGear-Wenger-Backpack-Blue-SAI722/dp/B...As always, for those of you who constantly whine about imperfect posts: man up or call mommy.
Office Depot Coupons
Term Life Policy for a 29 year old?
Added on : Tuesday October 09th 2012 10:00:52 AM
So I've owned a home for about 3 years now.. Been married for just over a year to a woman I've been living with for 6 years and we're on the way to having a child. Walking around with a 2X annual pay life insurance policy given to me by my employer does not seem sufficient anymore.My gross income is around 65K. The owed value on the house is 185K. We owe about 35K in student loans (hers). No CC debt, no car payments, nothing other than what is mentioned. She makes about 30K a year, but she will be quitting to be a stay at home mother. We have never been in any deep financial trouble at all. We have roughly a floating value of 10-15K in our emergency fund at all times. I also collect about $8K/year for a VA disability.Any advice on what companies give good deals on term life -- What kind of term should I be looking at? Value of policy? Anticipated premium? Unfortunately, I do currently smoke.. I had quit for several years. How much will that add to the premium? Can it be adjusted later when I quit again?Or should I take a different angle for life insurance altogether?Thanks in advance.
Emergency Mylar Thermal Blankets (Pack of 10) - $7.45 FSSS @ Amazon
Added on : Saturday October 06th 2012 02:00:45 AM
http://www.amazon.com/dp/B000GCRWCGProduct Features
Rescue Blanket provides compact emergency protection in all weather condition
Made of durable insulation Myalr material
Retains/reflects 90% of body heat
Waterproof and weatherproof
Size of each open blanket: 52 inches x 84 inches Thanks Mark
Free Emergency Pet Preparedness Decal & Card
Added on : Wednesday October 03rd 2012 12:00:33 PM
http://arf.convio.net/site/PageNavigator/emergency_decal.htmlWhen you order your emergency decal and alert card, you will also receive ARFs Paws Press e-newsletter.
Emergency decals and cards will be available while supplies last. Each decal has space to list all animals in household. Two decals and cards per household please.
Which debt to tackle next?
Added on : Friday September 28th 2012 09:00:54 AM
I am currently working through paying off over $100k of credit card debt which was used to remodel our home. (This is a long story and I realize this was not the best move to make.)After 2 years, I have the credit card debt down to $30k, all at 0% for the next 12-18 months. The plan is to make the required payments to eliminate the debt in time.Now that I have enough cash flow to feel comfortable on a monthly basis, I would like to begin exploring my "next move" financially. Here are my thoughts in no particular order:1. Establish an emergency fund / Roth IRA
2. Refinance home. Currently owe $250k at 5.875% 30 year fixed. 4 years into this mortgage.
3. Payoff HELOC. Currently owe $27k at around 3.50%.
4. Tackle student loan debt. Owe $130k. Most is fixed at 2.75% or 3.00%
5. Continue to pay down CC debt.My concern is that my income combined with my wife's may push us over the Roth limits this year. Should I wait until late December to decide?My credit is right around 700, seems a little too low to qualify for any good refinance deals.I think I should leave student loan debt for last, even though I no longer qualify for the tax deduction.What would you do? Any help is appreciated.
Safe Deposit Boxes: Bank or Credit Union?
Added on : Friday September 28th 2012 08:00:51 AM
Safe Deposit Boxes seem pretty rare now-a-days. The FWF crowd tends to bank with credit unions rather than commercial banks for the better rates and service. The problem is Alliant Credit Union (for example) doesn't offer safe deposit boxes and even if they did, they probably wouldn't be local to you.I looked into opening a safe deposit box at Chase because I have several credit cards with them so I figured I wouldn't have to extend myself to a new institution (Chex hit, credit bureau hit, another website to log in to to track, etc). However Chase wanted me to have a savings or checking account in order to open a safe deposit box. Last time I looked that required me to keep $1500 sitting at 0% in perpetuity.To make matters worse, I really don't know what Chase requires anymore because every 6 months I go to their website, lured in by the free $100/$150/$200 promos, and every 6 months they increase the requirements for "free" accounts. Soon it will be 15 debit transactions, $5k daily balance and 2 pints of blood per month. Not that I mind jumping through hoops but if it's just for a safe deposit box I don't want to deal with studying the Torah that is their account requirements.The upside to using Chase would be that they are national so wherever I move (which is about every 1.5 to 2 years for work as I fulfill contracts), I can just get a new local safe deposit box anywhere in the country. Right now I'm still using a credit union safe deposit box back where I grew up, to keep things that I know I won't need on short notice. I fly back to visit my family every year so I check up on it, but it's a hassle.The upside to the credit union safe deposit box is that I only use that credit union for a savings account (with enough to pay the annual box fee) and the box. They probably pulled Chex on me when I opened the account 10 years ago but that's long been wiped off my Chex report. The chances that someone looking through my financial records for a court case will find the box are reduced. Thus, it's a good spot to keep some emergency cash. I don't worry too much about civil lawsuits, but they are always on the back of my mind like an Earthquake or Hurricane so I like to make reasonable preparations. I'd hate to get sued, have all of my assets frozen, and be unable to pay an attorney to represent me or unable to pay my rent and get evicted. Having the safe deposit box off the grid with 3 months living expenses in cash gives me piece of mind and isn't too much of a cost in inflation. Downside will be me having to travel there to get it.Maybe a good compromise is a mix - get the Chase box, fly through whatever silly hoops they demand to get a free savings account, open a new one up locally everytime I move to keep my social security card, birth certificate and a little cash in. But also keep the "semi-hidden" credit union one that the lawyer of someone I get into a car accident with won't think to look for.
Tuition Refund
Added on : Friday September 21st 2012 10:00:50 PM
I have a 6-yr old and a 4-yr old. The 6-yr old missed the 1st grade cutoff by a few hours (!!), and our school district absolutely refused admission. Their preschool only went up to kindergarten, so, after a losing battle with the public school district, I found a new preschool for them that went up to first grade (about 50 kids total in the school which has been around for decades). Two days before labor day weekend, I approached the new preschool and made 2 of 10 payments of the annual fee (per kid). Seven days later, school opens - and on Day 1 I was surprised to note that my 4-year old son will be in a pre-K class with eight girls and one boy (i.e. just him). I found this environment for a full school year inappropriate for his social development - I mentioned this to the teachers on Day 1. By Day 2 I had informed the school that I was withdrawing him from school and returning him to his old preschool where his class had a mix of boys and girls. My 6-year old continues in the new school.Now the money part. In my letter on Day 2, I informed the school I'm withdrawing my application submitted 8 days earlier - an application which was still not complete since the health forms etc. had not been provided. ("child cannot be assigned or admitted to class without receipt of tuition and health and emergency info"). I also mentioned I hoped/expected that the 2 payments made for my 4-year old (about $2000 dollars) will be returned to me, or at least credited towards my older kid's tuition.I already see some dilly-dallying from the school and expect a formal response soon. Would like to know from you folks as to what my chances are for getting most of my money back or used towards the other kid's tuition.The 1-page application form I signed does state that a 30 day written notice is required for withdrawals. It also states the deposit (1st payment) is non-refundable. My position is that the school did not provide an appropriate learning environment for my son by putting him in an all-girls classroom. It certainly wasn't mentioned to me when I was given the application, and I took him out as soon as I knew about it. (I had nothing against the school otherwise - just the thought of years of therapy fees after being surrounded by Tinkerbell, Dora, etc. for one formative year). Please help with any relevant laws (NJ) and potential course of action. How solid is a 1 page application form as a legal contract? Obviously one day of preschool for $1000-$2000 is difficult to digest. And if they stick it to me, I might have to take my 6-yr old out of this school as well (which I don't want to do).
http://www.ebay.com/itm/Lot-of-2-NASCAR-Emergency-Blanket-Reflec...
Travelon 4-in-1 Emergency Tool ($5.99 was $17.99) @ woot!
Added on : Friday September 21st 2012 09:00:25 AM
Travelon 4-in-1 Emergency Tool $5.99 + $5 S/H @ Woot
Added on : Friday September 21st 2012 01:00:03 AM
http://sellout.woot.com/offers/travelon-4-in-1-emergency-tool-4
woot! Coupons
Reburb Garmin Nuvi 1300LMT 4.3" GPS Navigator W/ Lifetime Maps + Traffic
$79.99
Limites SupplyClick RIGHT here!Features:The thin nvi 1300LMT has a widescreen display, yet it's slim and light enough to take along on all your travels. This affordable GPS comes with free lifetime maps and traffic, announces streets by name, offers pedestrian navigation options and calculates a more fuel-efficient route with ecoRoute.Includes FREE Lifetime Map UpdatesWith FREE lifetime map and traffic2 updates, you always have the most up-to-date maps, points of interest and navigation information available at your fingertips. Traffic information is updated constantly, and map updates are available for download up to 4 times a year. Both features are ready to go, right out of the box, with no subscription or update fees and no expiration dates.Navigate City TransitWith its enhanced pedestrian navigation capabilities, nvi 1300LMT is the perfect travel companion for getting around town. Download optional cityXplorer content to help you navigate city public transit. Know where to walk, where to catch the bus, subway, tram or other transportation and how long it will take to get there. nvi 1300LMT easily fits in your pocket or purse. cityXplorer maps are available for select cities throughout North America and Europe. And with prices as low as $9.99, you'll have money left over to spend in the big city.See MoreWith nvi 1300LMT's widescreen display, you'll always get the big picture. View map detail, driving directions, photos and more in bright, brilliant color. Its sunlight-readable, 4.3" (10.92 cm) display is easy to read - from any direction.Get Turn-by-turn Directionsnvi 1300LMT's intuitive interface greets you with 2 simple questions: "Where To?" and "View Map." Touch the color screen to easily look up addresses and services and get voice-prompted, turn-by-turn directions that speak street names to your destination. It comes preloaded with City Navigator NT street maps for the continental U.S., Hawaii and Puerto Rico or 1 European region or country, millions of points of interest (POIs), and 2-D or 3-D maps. Its digital elevation maps show you shaded contours at higher zoom levels, giving you a big picture of the surrounding terrain. With the 1300LMT's enhanced user interface, you can slide your finger to conveniently scroll between screens. You also can upload custom POIs. And with HotFix satellite prediction, nvi calculates your position faster to get you there quicker.Go Beyond NavigationNavigation is just the beginning. nvi 1300LMT saves you gas and money with ecoRoute - a green feature that calculates the most fuel-efficient route, tracks fuel usage and more. The 1300LMT includes many travel tools, including JPEG picture viewer, world travel clock with time zones, currency converter, measurement converter, calculator and more. With its "Where Am I?" emergency locator, you always know your location. Simply tap the screen to get your exact latitude and longitude coordinates, the nearest address and intersection, and the closest hospitals, police stations and fuel stations. The 1300LMT features Garmin Lock, an anti-theft feature, and is compatible with our free Garmin Garage where you can download custom custom voices and vehicles. Enhance your travel experience with optional plug-in microSD cards.Specifications:
eBay Coupons
Coleman Exponent Mini Lantern (DOTD @ REI) $19.93
Added on : Tuesday September 18th 2012 09:00:11 AM
Coleman Exponent Mini Lantern (DOTD @ REI) $19.93http://www.rei.com/outlet/deal-of-the-dayFS on $50+
Free store pick upThe Coleman Exponent Mini lantern is the perfect way to light up your campsite.Single CREE LED casts even, white light, is nearly indestructible and significantly extends battery life compared to incandescent bulbs
4-position switch offers off, high, low and emergency strobe?
Lantern floats on water
Lightly textured polycarbonate globe offers uniform light output
Highly metallized cone that sits above the LED for reflecting light 360
Nonslip outer shell housing is shock resistant; outer housing rotates to protect on/off switch during storage
Flip-up metal handle
Operates on 2 CR2 lithium cell batteries, included
Closeout
REI.com Coupons
The Augason Farms 12-Day Emergency Pail features 203 servings of delicious easy-to-prepare food for one person packed in a ?grab & go? pail with a 25-year shelf life. Sealed in the pail, these delicious food items are easy to prepare--just add water and cook. The entire pail weighs just less than 14 pounds and is easy to transport if necessary. The included meal planning guide offers a wide range of appetizing combinations, making it easy to mix and match meals. It ensures that you get over 2,000 calories per dayEight food varieties in pouches sealed with oxygen absorbers or nitrogen flushed
25-year shelf life sealed; pouch life up to 1 year after opening
Provides 2,063 calories per day for 12 days
No hydrogenated oils, trans fats, or added MSG
Includes: cheesy broccoli with rice (18 servings), vegetable stew blend (24 servings), creamy potato soup (18 servings), maple brown sugar oatmeal (20 servings), instant white rice (27 servings), vegetarian meet substitute beef (flavored) (18 servings), hearty vegetable chicken soup (18 servings), Morning Moo's low fat milk alternative (60 servings)Be Prepared
Property Manager deducted and refuse to give my deposit back
Added on : Monday September 17th 2012 09:00:49 PM
I have rented the apartment for two years. When I moved in, the carpet has stains, there are stains, stickers, and nail holes on the wall. I told the property manager and she told me verbally that we probably won't be charged for painting since the apartment hasn't been painted for at least 3 years. The previous tenant violated the rule: putting stickers on the wall, nail holes, stains and etc. So, I told the property manager that it won't be fair to charge us for it. I know that they probably did charged them, but didn't paint it and want to charge us again for painting! I wrote this briefly on the move-in sheet: stains and nail holes on the wall on bedroom and living rooms. Well, how am I supposed to describe the locations of every single one....They usually are pretty reasonable in fixing stuffs like water leaking since they don't want any damage. If there is any damaged stuffs (washer and dryer), they are supposed to fix it and we don't get charged. All we need to do is to report to the property manager.
Now, 3 months before my lease ended, I asked the property manager to fix the power outlets that are broken. Well..since it's not an emergency, they never came until my lease ended. Then, they deducted it from my deposit!! I spent 2 days cleaning the apartment so that it looks like what it was back then. I made sure that everything was real clean before I left. Scrubbed bathtub carefully and etc with special bathtub chemicals and etc.
When I lived there I noticed that the bathtub sink is a bit clogged. I called them and they told me to just use draino first, if it doesn't work, then they can fix it for free. I did bought draino and it works. Before we leave, nothing clogged anymore.Now, here's what I am being charged for.
painting bedrooms: $200
Cleaning: $240 (It was cleaned!! I'm pretty sure it was)
Fixing Power outlet: $45
NSF fee: $25 (what's this?)
Unclogged toilet $25 (NOT EVEN CLOGGED- what!!?)
Unclogged bath sink: $120 (!!!!)
Bulbs and Apartment clean out $60 (cleaning again? twice?)
I replaced all the bulbs! Except some of the special bulbs that weren't working when we moved in! We missed putting that in our move-in sheet....it was pretty general. Are we supposed to get charged for every little thing that we missed placing in the move-in sheet??They took more than $800 of my deposit. I had actually been warned by other tenants before. But, I was confident that if I cleaned everything and keeping everything like it was, I should be fine. But, its obviously not the case....
My friend living in another apartment with different property manager got every penny of his deposit back. similar conditions.....Any advice will be appreciated
progressive insurance claim taking a long time
Added on : Monday September 17th 2012 12:00:52 PM
My daughter was in an accident in which her car was totaled. The driver of the other vehicle failed to yield at the green light left turn yield light. He hit her front end crushing the front; the air bags deployed. His car then spun into a city light pole. The adjusters determined the other driver 100% at fault. The problem is that the insurance company has yet to issue a settlement amount. The accident occurred on 08/07. So, it has been over a month. Her insurance has under-insured motorist coverage. Her insurance company (which also happens to be his company) paid for the emergency room visits for her and her 3 passengers, but they have not paid anything for her car, the storage fees at the place it was towed, or any other expenses. They say they haven't heard from the city about replacing the damaged light pole and 'there may not be enough money left to pay her.' Is this the way things normally work? We have lent her a car, but what would she have done if we hadn't just happened to have an extra car to lend her? How long is a driver expected to wait for reimbursement? She didn't want to rent a car because she wasn't sure they would pay for it. I feel like this is very unfair. What should we do?
credit card where charges have to be pre approved?
Added on : Monday September 17th 2012 02:00:47 AM
So I gave my daughter a credit card to use for emergency purposes and low and behold I find that she's charged $1,500 on it. Lots of eating out, clubbing, drinking, etc. ie. non-emergencies.In light of this I'm thinking about just canceling the card but I'd still like her to have something she can use for emergencies.In theory I could I guess do a debit card that's tied to an empty account. If my daughter needs money she calls me up, tells me what she needs it for and I transfer it over if I approve of the expense. Seems like most banks require a minimum balance though and I'd be liable for overdraft fees or what not.Alternatively... I don't know.. maybe I could call the provider of my current credit card up and ask them to lower the credit limit to $200 or so? At that point I'd effectively be giving my daughter a $200 monthly allowance. Whether or not that's something I'd be willing to do is my affair but... I don't know... I've never requested a credit limit be lowered to such a small amount on a credit card before. Would there be any drawbacks to doing so?Any insight would be appreciated. Thanks!
Swiss+Tech BodyGard 5-in-1 Emergency Tool FAR @ TigerDirect
Added on : Saturday September 15th 2012 08:00:06 AM
Today's Deal Slasher$9.99 - $10 Rebate= FREE, plus free shippingSwiss+Tech BodyGard BGCS51-WH 5-in-1 Emergency Tool - Safety Belt Cutter, Sonic Alarm, Flashing Distress Light, LED Flashlight, Automatic Glass BreakerItem#: S125-1012 | Model#: BGCS51-WH
TigerDirect.com Coupons
Best savings account
Added on : Friday September 14th 2012 06:00:46 PM
I am looking to start a true emergency fund and want a place where I can park cash. If it can earn some good interest, even better! What are some good options for a savings account?Currently, I have checking with USAA and would like to have the money transferred to another venue so as to not "see it". I do have a Penfed savings account that I opened recently and was going to stick with that but the monthly ACH limit is $50 - rather silly. Any input would be great.
http://www.amazon.com/dp/B004U8CP88You can get it for 1 cent less, Order from e4worlds Ships from Hong Kong ( $8.67 Shipped )If you want a USA vender order from HAWAII TECHNOLOGY $9.98 Shipped ( Ships from WA, United States )Reviews (127)
4.5 out of 5 Ultralight backpacking camp stove, weighs only 3.9oz packed in the case! This is a great stove. You get a ultralight canister stove, WITH PIEZO IGNITION, that folds into its protective case, and weighs only 3.9oz. This stove is built very well! Quality construction and materials are at work in this stove. I guarantee you will be happy! These stoves wok with any screw top butane / propane canisters, available just about anywhere, MSR, coleman, camping gaz, etc. This stove will also simmer. It has a fully adjustable flame! This really is an impressive stove. When I got these in I was expecting something much cheaper, I am totally impressed with this little guy. These would make great primary stoves, back up stoves, emergency, spares, Boy Scout troops etc etc endless possibilities!
Amazon Coupons
25-oz Stainless Steel Travel Bottle $3.10- K-Mart
Added on : Tuesday September 11th 2012 10:00:09 AM
was $5.99 - now $3.10
linky
Select in-store pick up to save on shipping
(or Free Shipping with Shop Your Way Max) *Orange
*Purple
*Silver
Kmart.com Coupons
FAR - Norton 360 6.0 - 3 User - Shipped Free @ Newegg
Added on : Tuesday September 11th 2012 08:00:02 AM
Norton 360 for up to 3 users is free after $50 rebate (receive a Prepaid Visa Card. Ships freeLINK
$50.00 Mail in Rebate
* Valid for purchases 9/11-9/16 * * Comprehensive Protection-detects and eliminates viruses, stops online threats, defends against online identity theft and safeguards your important stuff from loss.
* Norton Protection System - provides four unique layers of powerful protection that proactively stop online threats before they can infect your computer.
* Insight - checks where files came from and how long they've been around to stop new online threats before they can cause you trouble.
* Download Insight 2.0- protects you from dangerous applications before you install them by telling you if they are harmful.
* Norton Safe Web- warns you of potentially harmful websites and proactively blocks unsafe sites right in your search results.*
* Automatic Backup - safely backs up your photos, music, financial documents and other important stuff to a disc, USB device or online to one of our secure data centers.
* PC Tuneup:- fine tunes key system settings, frees up memory and removes unnecessary clutter from your computer's hard drive to help keep your PC running fast.
* Norton Management - cloud-based management lets you download, install, transfer, update or renew your Norton products from anywhere, right over the Internet.
* Norton Identity Safe - secures, remembers and automatically enters your user names and passwords as you type. Now includes an online version, so you can share logins with other computers that are protected by the latest Norton products.
* Parental Controls Management - lets you track your kids' online activities through Norton Online Family, so you can help protect them from online dangers.
* Norton Bootable Recovery Tool - creates an emergency CD/DVD/USB that gets your PC back up and running even if it's so infected that it won't start up.
* Web-Based Backup Access - lets you download and share photos, videos and other stuff you've backed up online, anytime, anywhere, through a password-protected Web page only you can access.
Newegg Coupons
http://1saleaday.com/family/ Mr. Beams ReadyBright Power-Outage LED Light System w/ 3x Ceiling Lights, 3x Path Lights & Flashlight Remote!
List Price $170.00
Savings $110.01 (65%)
Price: $59.99
It never fails, the power goes out and you are left fumbling along in the dark, feeling your way towards that drawer where you could have sworn you left the flashlight. But no more, your days of tripping over small toys and household pets have come to an end!Simply install the Mr. Beams Ready Bright Power Outage System, and you will be free to enjoy the light while everyone else sits in the dark. This complete house package includes 3 celling lights for your rooms, kitchens and bathrooms, as well as 3 path lights to illuminate your stairs and hallways.As soon as the power goes out, the Power Outage system sends a signal to turn on your emergency lighting, ensuring your safety and peace of mind. The handy remote doubles as a flashlight and can control up-to 30 lights! And dont worry about wasted batteries; the system automatically shuts off to save battery life.With the simple setup anyone can install the MrBeams Ready Bright system, no electrician needed. There is no longer an excuse to sit in the dark. Get Light with Ready Bright today!
SpecsCondition: New
Packaging: Retail
Warranty: 1 Year
Manufacturer: Mr. Beams
Model: MB280 Features Include:
Be prepared for a power outage with the Mr. Beams ReadyBright system
System includes 3 ceiling lights and 3 path lights that are great for hallways and stairs
Automatically detects a power failure and provides up to 40 hours of bright light on one set of batteries
Simple wireless installation - no electrician needed
Light can be controlled by remote for maximum safety, convenience and battery life
Remote Control Range: up to 70 feet
The Power Outage Flashlight serves as a remote and flashlight
More than 30 lights can be activated by one Smart Power Outage Flashlight
Auto shut off to conserve battery life and to turn the light off automatically if no one is home
Path Lights run on 4x AA batteries (not included) and Ceiling Lights run on 4 C batteries (not included)Package Includes:
Power Outage Flashlight, Power Outage Detector, 3x MB785 Stair / Path Lights, 3x MB985 Ceiling Lights
http://1saleaday.com/family/
1SaleADay Coupons
ProCom Nat Gas Vent-Free Radiant Heater, 30,000BTU Reg $230 Now $100 @ tractor supply B/M Select stores onlySKU Number: 1099866
Manufacturers Number: MN300TPA-BBBrand: ProCom
Fuel Type: Natural Gas
BTUs: 30,000
ProCom Natural Gas Vent-Free Radiant Heater with thermostat is perfect for secondary or emergency heat. Must be mounted to the floor or wall (includes wall mounting bracket).
No electricity required
Heats up to 1,000 sq. ft. via 5 heat settings
Blower and base included
Safety features include Oxygen Depletion Sensor
1 year limited warrantyTextCompare @ Amazon starting at $220.05
Text
Tractor Supply Company Coupons
http://www.eversave.com/travel/autovantage?ref= With AutoVantage, one of the country's leading automotive clubs, you'll enjoy 24/7 roadside assistance for the whole family, discounts on automobile maintenance and repairs, and more. This Save includes:$29 for six-months of roadside assistance and auto maintenance discounts plus a $20 gas gift card for any Exxon Mobil station.24 Hour Roadside Assistance covers every member of your immediate family - whether it's a flat tire, dead battery or fluid delivery you're covered!AutoVantage's LocateMe broadcasts your position from your cell phone or home phone. If you are in an emergency situation and in need of roadside assistance simply call us and our LocateMe technology will find you.Save 10%-50% on car repairs and maintenance at over 15,000 repair and service centers nationwideSave Rewards can be earned but not used toward today's SaveLimit 1 Save per householdAll sales finalGas gift card is valid at any Exxon/MobilGas gift card does not expire; AutoVantage membership expires 6 months from purchaseGas gift card will be automatically sent to shipping address provided during checkout on EversaveShipping available to physical US addresses only (P.O. boxes included)Shipping and taxes are included; Please allow 10 business days for delivery of gas cardYour AutoVantage benefits will be available on the http://www.autovantage.com site within 48-72 hours of purchase. You will receive an email with information on how to access your benefits. Please allow for extra time to process enrollment over the holiday weekendAutoVantage membership is not available in AK,
http://www.amazon.com/dp/B001QVRSWK/ref=nosim/?tag=web2list-20&l...Product Features
Foldable and collapsible
Made of 600D polycanvas
Great for storing maps, cleaning supplies, emergency tools, groceries and more.
Three section collapsible trunk organizer with removable insulated cooler.
Amazon Coupons
Insurance Settlement from Hotel Injury
Added on : Thursday August 30th 2012 12:00:54 PM
Hello, just need some advice. Earlier this year my wife and i were staying at a hotel. As we were leaving to check out on our last day of the stay i lghtly bumped a 5 foot wooden vertical mirror in the room. The mirror fell and landed on my wife's foot. We had our 1 year old twins with us, and it just missed the one by a foot or so. The kids were crying, my wife was in shock and we had to head out to a wedding so we wrapped up here toe a bit and took the "hinge" downstairs and checked out and explained what happened. We were in a hurry to leave, they offered us complimentary breakfast and a bandaid as we were leaving. lolAnyway we finally get to our destination a couple hours later and her pinky toe is awful and still bleeding. We end up going to the emergency room, the toe was shattered and required numerous stitches. She was in a lot of pain and it still hurts her to this day 2 months later. We contacted the hotel who forwarded us to their insurance company to deal with the issue. A bit about the mirror. The mirror was heavy probably 40 pounds and was not fastened to the wall. It was merely hanging on a small piece of wood at the top. That piece of wood was put into the drywall with 2 small screws and not even anchored properly. The mirror and the wood piece that it was hanging on came off the wall. The insurance company has reimbursed us for all co-pays due to medical treatment. And we have recently heard from them after conducting their investigation that they are holding the hotel liable are all ready to compromise on liability and if ywe are seeking compensation for inconvenience and loss of wage then they need itemized list with supporting documentation that will then be reviewed for a settlement offer.My wife has no lost wages, she is a teacher and was on summer break, however her enitre summer she has had to deal with the pain of this injury and not being able to do enjoyable activities like riding a bike etc. So any idea what I should throw back at them??I know some will say we should have gotten a lawyer but we are not like that. We do not want a lawyer involved, we would just like a fair offer for her pain and suffering, inconvience it has caused, etc. We by no means want or expect a huge winfal from this, but hope that the hotel corrects this issue, because it literally could have killed our child or someone else's child.
Gentron 10,000 Watt Gas Generator with Electric Start;
$878.00 free shippingPortable Power, Easy Push Start
Enjoy reliable portable power with this generator with a new more rugged frame design. Convenient electric push button start, a mobility wheel kit and a powerful 10,000 watt surge output make this an ideal solution for emergency home backup and commercial use. Versatility Meets Convenience
Included are six AC outlets, one DC outlet, an hour meter, and a larger capacity fuel tank for extended run time. The heavy-duty steel frame features fully-isolated motor mounts for quietness. This generator is EPA certified. In addition, all shipments to California are CARB certified. This product is shipped fully assembled, except the wheel kit.Outlets Included:
4 x 120V AC standard outlets
1 x 120V twist-lock
1 x 120/240V twist-lock
1 x 12V DC http://www.samsclub.com/sams/gentron-10000-watt-gas-generator-wi...SpecificationsEngine Brand: JD
Starting Watts: N/A
Running Watts: 8,000
Surge Watts: 10,000
Starter: Push Button (battery included) recoil start system assembly
Control Panel: Yes
Automatic Idle Control: No (constant 3600 RPM)
Automatic Voltage Regulation: Yes
Hour Meter: Yes
Run Time at 1/2 Load (Hours): 11 hr.
Fuel Gauge: No
Fuel Capacity (Gallons): 8.0
Recommended Oil (Quarts): 1.16 qt. (fill to upper line on dipstick)
Low Oil Shut Down: Yes
Noise Level (Decibels): 76 dB
Wheel Kit: Yes
OSHA Required GFCI Outlets: No
UL Safety Listing: Yes
CSA Safety Listing: N/A
ETL Safety Listing: N/A
Warranty
1 year parts and labor limited manufacturer's warranty
For issues not covered by warranty: All engine-related products are non-returnable once gasoline or oil has been poured into the engineAssembled Country
ChinaAssembled Size
20 W x 30L x 26HComponent Country
ImportedShipping Info
Shipping Included Delivery service will call to set up appointment
Delivery not available to AK, HI, or Puerto Rico
Sam's Club Coupons
eversave.com
$29 for an Exxon/Mobil gift card and 6 months of 24-Hour Roadside Assistance and car maintenance discounts ($140 value)
With AutoVantage, one of the country's leading automotive clubs, you'll enjoy 24/7 roadside assistance for the whole family, discounts on automobile maintenance and repairs, and more. This Save includes:
$29 for six-months of roadside assistance and auto maintenance discounts plus a $20 gas gift card for any Exxon Mobil station.
24 Hour Roadside Assistance covers every member of your immediate family - whether it's a flat tire, dead battery or fluid delivery you're covered!
AutoVantage's LocateMe broadcasts your position from your cell phone or home phone. If you are in an emergency situation and in need of roadside assistance simply call us and our LocateMe technology will find you.
Save 10%-50% on car repairs and maintenance at over 15,000 repair and service centers nationwide
Save Rewards can be earned but not used toward today's SaveLimit 1 Save per household
All sales final
Gas gift card is valid at any Exxon/Mobil
Gas gift card does not expire; AutoVantage membership expires 6 months from purchase
Gas gift card will be automatically sent to shipping address provided during checkout on Eversave
Shipping available to physical US addresses only (P.O. boxes included)
Shipping and taxes are included; Please allow 10 business days for delivery of gas card
Your AutoVantage benefits will be available on the http://www.autovantage.com site within 48-72 hours of purchase. You will receive an email with information on how to access your benefits.
AutoVantage membership is not available in AK, NH or VThttp://www.eversave.com/baltimore/autovantage
http://www.sears.com/shc/s/p_10153_12605_02807201000PPrice in cart
Sears.com Coupons
Ooma (Consumer Reports #1 Rated Phone Service with FREE Local & Long Distance Calling) at Costco with Telo for $129.99!(Borrowed from futropea at SD.)This likely is not in all Costco warehouses so YMMV. Reportedly new pallets full at some Costcos that did not have them before.This is a better Costco deal than the July deal since no rebate is involved.Ooma offers FREE local, statewide & nationwide long distance. No PC required. Taxes and fees for your locality: CalculatorCostco B&M price is $129.99 along with the peace of mind of a great Costco Return Policy. This would be 35% Off MSRP of $199.99!Ooma info and videos at www.ooma.com.We've had Ooma for about 3 years and it's always been reliable and crystal clear. It's truly been one of our best investments and we paid over $200 for it back then. Just divide what you're paying for phone service now into $130 to see how long it will take for it to pay for itself (a few months for most people).Features:Free US Calling: Call anyone, anywhere in the U.S.*
Free in-network calling: Call another Ooma customer anywhere in the world for free.
Free bundled calling features: Enjoy the convenience of Voicemail, caller-ID and call-waiting at no extra charge.
Exceptional voice quality: PureVoice ensures the best voice quality of any VoIP service
Compatibility: Works with your existing corded or cordless phone no PC or headset required.
Want to keep your phone number?: Just pay a one-time porting fee of $39.99, or enjoy complimentary number porting with an annual subscription to Ooma Premier ($119.99/year).
Easy set-up: Ooma is a highly intuitive set-up. Most customers are up and making free calls in about 15 minutes.
911 Service: When you dial 911, emergency personnel will automatically have your registered address.
Landline Backup Option: Be backed up during power outages or Internet outages to make 911 calls if you also choose to keep a landline connected to your Ooma Telo.
Low cost international calling: Make international calls starting at pennies per minute.
My Ooma: Hear messages, check call logs and control your preferences online.
Online call log: Check your calling history from any Internet-connected computer or mobile device.
Advanced network/firewall configuration: Get a high-performance firewall router, with QoS support, that allows you to setup home-based servers and other network devices.
Compatible with most fax machines
Compatible with Ooma iPhone, iPad and iPod Touch application for low cost to free calling through your Ooma account** *Pay only applicable taxes and fees. Visit www.ooma.com/termsandconditions for more information. **Ooma Mobile Application Sold Separately.
I have a decent govt job, now how do i make money on the side?
Added on : Saturday August 25th 2012 02:00:47 PM
Stats:
Age: 24
Salary: $55000
Debt: 0
Savings: $35000 (Emergency fund + investments following Boglehead principles)
Education: BS BiologySituation:
I have a job with local government doing environmental compliance. I really enjoy the work I do. The pay is pretty decent for my age but it will only grow at a rate of about $1700 a year + cost of living increase and max out around $100k or so. I work 35 hours a week without any chance of mandatory overtime. I am extremely grateful to have this job and I know how lucky I am. With that said, I am looking for ways to make more money.Things I could do:
1. With tuition assistance I can get a masters degree during the evenings for about $7k. This would probably increase my salary growth rate and make my max possible salary closer to $115k.2. Get education in a higher paying field (maybe something in the medical field or programming) and then switch completely to this field.3. Get education/training in a higher paying field and then work part time in this field. Any ideas for this?3. Get a side job working in a restaurant, retail store, etc during the evenings and weekend.4. Something more creative/entrepreneurial?I'm leaning towards option 1 + 3 or 4 but I have no idea where to start. Option 3 seems to be the most popular choice of coworkers and the safest. Option 2 is what my family is pushing for. Anyone ever been in a similar situation or have any thoughts in general?
Mighty Jump Portable Car-Battery Jumper $12 Shipped at Buy.com
Added on : Saturday August 25th 2012 02:00:07 AM
Buy.com hasthe Mighty Jump/Jump Up Portable Car-Battery Jumper for $12 with free shipping. Recharges dead battery enough to start in 10 minutes via car's DC cigarette lighter port, and features compact design, and power flow indicator switch.
Buy.com Coupons
22 yr old thinking of buying condo
Added on : Friday August 24th 2012 05:00:49 PM
Hello!Im 22 years old and a recent college graduate in my first job in the Chicago suburbs. Im currently living at home, but am entertaining the idea of moving out and buying a condo. My parents are charging me $500/month for rent/food at the moment. My credit score is somewhere between 740 and 760. I am in a stable job making $47,000 per year. I have zero debt and about $23,000 in savings / stocks.There are a few two-bedroom condos in the area that are either being short-sold or just sold for between $40-48,000. Im considering moving out and purchasing one of the condos. I would rent out the spare bedroom for around $400-450 (below market price, but to ensure I would be able to find another recent graduate who may not be able to afford the higher $800+ rents. HOA seems to include gas, water, and heat. Only utility would be Electric + internet. This list below is assuming I take a $35,000 30yr mortgage at 4% and overpay $65/month (in essence a 15 yr mortgage with more flexibility). I would plan on putting $12,000-15,000 down on the unit. This does not include the possibility of a roommate which would then essentially add $400/month to my savings to $1,375 per month. 401K is 6% (employer matches 4.5% when I put in 6%, so yearly, thats about $4,935 into my 401k). Once emergency fund hits $2,000, I will stop contributing and add $100 to savings.Thoughts?Mortgage240
HOA300
Utilities 50
Food300
Gasoline120
Cell45
Car Insurance75
Health Insurance60
Emergency Fund100
Internet50
Savings975
401k235
Spend300
Vacation Savings100
I've been a fan and user of this website since their beta launch a couple of years ago. Since then they've won awards and are approach 100k users and pets protected.Here's the deal. Until this Sunday they're offering their pet ID tags for $1 (free shipping). Usually $11.95.What these tags do:
Link to a free profile on your pet - show medications, emergency numbers, license/rabies/microchip tag numbers, etc.
Show a free phone number someone finding your pet can call - also free
Send you GPS notifications with interactive map (optional upgrade)
An "Amber Alert" system for pets (also optional upgrade)Anyway, if you want to try it out, it's $1 and you'll never be required to pay another penny to these guys.Go here to check it out: https://www.pethub.com/blog/?p=1169Peace.
http://www.ebay.com/itm/Jump-Up-Emergency-Car-Starter-Cigarette-...
eBay Coupons
Free sample Wise Emergency Food
Added on : Wednesday August 15th 2012 05:00:34 PM
Fill out the form to join the email list and receive a free sample of their emergency food products. Great for your natural disaster kit, or for camping. http://wisefoodstorage.com/try-a-sampleEnjoy!
Etn FR360R Red Cross emergency radio - $45 @ Lowe's B&M (YMMV)
Added on : Wednesday August 15th 2012 09:00:12 AM
Was in my local Lowe's yesterday (zip 19973) and saw the Etn FR360R Red Cross emergency radio for $44.97 in the display up front with the flashlights. Was just recently shopping for one and the best price I found on Amazon was $50. Usually these are in the $60-80 range, depending on where you look.Features:
- Power via AC, battery, solar, hand crank dynamo
- AM/FM/Weather bands (7 of them)
- Flashlight (3 LED), flashing red beacon
- Line in, headphone out
- USB charger
- Clock w/ alarmAmazon linky to it (good info).
Lowe's Coupons
Using ATT GoPhones in Mexico and Beyond
Added on : Tuesday August 14th 2012 05:01:20 PM
I just came back from Cabo. Before going, I researched options for calling the States from Mexico. People suggested buying a Mexican prepaid cell phone after arriving in Mexico. This seemed like an unreliable option since I might need to make calls immediately after I land. I found out that ATT GoPhones will work in Mexico, and the rates seemed to be about the same as the Mexican prepaids. I bought the cheapest GoPhone I could find, and I signed up for the pay per minute plan since Id be charged a flat per minute rate anyway in Mexico. Once I arrived and started using the phone, I realized the rates were even better than advertised on ATTs website. I was charged 25 cents a minute to call both US and Mexican numbers (the website quotes $0.99/min). This was perfect for checking on my family, making reservations, and as an emergency phone. Texts were 25 cents to send and 20 cents to receive. I even had 3G, but I didnt really use it. I wanted to know if anyone has better ideas for calling from Mexico? Has anyone tried any other US prepaid phones in Mexico? Also, does anyone have experience using GoPhones in Europe? Do you know the rates?Thanks
Some Amazon Apps for Droid, Free PLUS Get $1 in MP3s
Added on : Monday August 13th 2012 06:00:32 PM
Buy Select Free Apps for Android, Get $1 in MP3s
How to Qualify for This Offer:
Purchase at least one qualifying free app offered in the Amazon.com Appstore for Android in the webstore or on an Android device. The apps that qualify are apps for Android offered in the Amazon.com Appstore for Android that display the offer message on their webstore product information pages. Qualifying apps will not display promotional messaging on their Android on-device product information pages.
After completing your purchase, you will receive an e-mail indicating that a $1 credit for Amazon MP3 music downloads has been applied to your account automatically. The e-mail will also provide instructions on how to redeem your credit.
Promotional offer limited to one promotional credit per customer.
Promotional offer is valid from June 6, 2012, through June 30, 2012, and subject to change. You must redeem the credit by July 31, 2012.I got some useful apps: IP Cam Viewer Free, connects to the DOT traffic cams so you can see what kind of traffic you have to look forward to.In case the traffic is bad, you can use: Scanner 911 Free to listen to EMR and figure out what caused the problem and perhaps how long before it gets better. There is another scanner: Scanner Radio but I haven't tried that one yet. I'd be interested in peoples opinions on these scanners. I haven't quite figured out the recording feature on the scanner 911.
Amazon Coupons
Some Amazon Apps for Droid, Free PLUS Get $1 in MP3s
Added on : Monday August 13th 2012 05:00:04 PM
Buy Select Free Apps for Android, Get $1 in MP3s
How to Qualify for This Offer:
Purchase at least one qualifying free app offered in the Amazon.com Appstore for Android in the webstore or on an Android device. The apps that qualify are apps for Android offered in the Amazon.com Appstore for Android that display the offer message on their webstore product information pages. Qualifying apps will not display promotional messaging on their Android on-device product information pages.
After completing your purchase, you will receive an e-mail indicating that a $1 credit for Amazon MP3 music downloads has been applied to your account automatically. The e-mail will also provide instructions on how to redeem your credit.
Promotional offer limited to one promotional credit per customer.
Promotional offer is valid from June 6, 2012, through June 30, 2012, and subject to change. You must redeem the credit by July 31, 2012.I got some useful apps: IP Cam Viewer Free, connects to the DOT traffic cams so you can see what kind of traffic you have to look forward to.In case the traffic is bad, you can use: Scanner 911 Free to listen to EMR and figure out what caused the problem and perhaps how long before it gets better. There is another scanner: Scanner Radio but I haven't tried that one yet. I'd be interested in peoples opinions on these scanners. I haven't quite figured out the recording feature on the scanner 911.
Amazon Coupons
Patagonia Fuego 32L Backpack - 2012 Closeout $39.93
Added on : Monday August 13th 2012 05:00:04 AM
Patagonia Fuego 32L Backpack - 2012 Closeout $39.93FS on $50+
Free store pick uphttp://www.rei.com/outlet/deal-of-the-dayThe Patagonia Fuego 32L backpack is a sound choice for your next adventure. 3 compartments accommodate a ton of gear while keeping everything organized
Large main compartment holds most of your gear, and features a padded laptop sleeve that accommodates laptops up to 17 in.; sleeve secures with a buckle closure
Sleeve also fits a hydration reservoir (not included) for the trail and features a tube port for easy access to hydration
Zippered pocket features an organizer panel to keep pens, electronics, keys and other small items secure
Exterior zippered stash pocket is perfect for accessing essential items
Airflow-mesh shoulder straps and back panel prevent overheating; webbing hipbelt and sternum strap with emergency whistle keep pack close to body
Side compression straps ensure a jostle-free carry
The Patagonia Fuego pack features stretch-mesh side pockets for stashing water bottles
Please note: most airlines allow carry-on baggage not exceeding 45 linear inches (L+W+H). This is subject to change, so check your airline for actual size restrictions
Patagonia Coupons
WaterBOB 100 Gallon Emergency Drinking Water Storage $22 on Amazon
Added on : Monday August 13th 2012 04:00:02 AM
waterBOB Emergency Drinking Water Storage $22
http://www.amazon.com/waterBOB-Emergency-Drinking-Water-Storage/...
Every home should have one of these in their emergency kit. The Water Bob from Amazing keys will allow you to store up to 100 gallons of clean, safe water, or other liquids in this unique bladder manufactured from FDA food grade plastic. The Water Bob also includes a siphon pump to allow you to dispense the water as you need it. You will never be without clean water should an emergency like a hurricane or tornado arise. Stay safe and make sure you have a Water Bob on hand.
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!
Is It Worth The Effort To Switch Banks?
Added on : Thursday August 09th 2012 04:00:45 PM
I've been with BoA(previously LaSalle, previously Standard Federal) for over 30 years. I also set up Citi checking and savings accounts 4-5 years ago to hold AoR money and squeak out some extra TY points. I've only got around $1000 left in the citi accounts. I had maintained the checking for a backup ATM account since they are local in 7-11s, but rarely use it. I'm thinking it may be time to shift around my accounts. I'm not really unhappy with BoA, but I do find their online banking kinda quirky. Citi's site also seems to be a pain and often down when I need it.Unfortunately unemployment and under-employment since early 2009 have substantially reduced my liquid assets. Career is back on track where it should be with a new job that I just started, so it is time to rebuild an emergency fund and also pay off some debt. What I want/need:
* Checking account for day to day use
* Online bill pay
* Savings account for emergency fund
* Access to no-fee ATMs - metro Detroit (99% of what I purchase is on a credit card, but I do hit the ATM roughly once a week to have a bit of cash on hand)
* A national ATM network would be nice since I travel a bit.
* No need to maintain 10+ debit card transactions, but will have my paycheck direct deposited.
* Ability to write 1-2 checks a year for that odd transaction that can't handle electronic payment.Other info:
* I have/had credit card accounts with just about every bank out there during the AoR days.
* Open cards with Citi, BoA, Chase, Discover, US - still have some 0% money out there.
* IRA fund with VanguardShould I switch to Chase and grab the $150 bonus for a new account? Find a local credit union? Stay where I am?Thanks in advance for opinions on whether or not the grass will be greener on the other side.
A well-stocked emergency roadside safety kit is the most important thing you can put in your car. Having one in your trunk could be what makes the difference between sitting on the side of the highway waiting to be towed, or being able to help yourself get where you need to go.http://www.newegg.com/Product/Product.aspx?Item=9SIA0MC0CR0697
Newegg Coupons
cell phone for Canada and overseas travel?
Added on : Wednesday August 08th 2012 08:01:17 PM
I have done a fair amount of Googling and had difficulty understanding the information that I found. My wife and I want to get a prepaid cell phone (preferably Android) that will allow us to call the US when we are in Europe or Canada and to send/receive text messages, with the least egregious rates possible. We want to be able to be contacted should there be an emergency at home. I see that T-Mobile has prepaid phones and that their phones are CDMA with SIM cards. Would this work for us? Would we have to obtain a new SIM card at our destination (this is the part I find more confusing)? Is there a more FatWallet-esque option? We don't want something with a contract because this will really be used infrequently and our primary cell phones are through Virgin Mobile.
Thanks.
Iview 3.5-Inch Portable Digital LCD TV, Powered by 4 X AA Battery or AC Adapter, Watch TV News Everywhere, Perfect for Blackout and Hurricane Season and Must-have for Emergency
$50.99 (Item#201-234-001)

$50.99 w/Code: MLC806SN For First 20 Orders
http://www.meritline.com/iview-3-5-368ptv-portable-digital-atsc-...
Meritline Coupons
http://home.dailysteals.com/
Why you can save $ on Auto Insurance and decline medical payments
Added on : Friday August 03rd 2012 01:00:47 PM
Please help me understand how this works. Auto Insurance allows you to get medical payments of $1,000 or $5,000 on most quotes I have seen. Now this is not enough to cover some ambulance rides let alone any service done in an emergency type setting. The insurance companies (Geico, Statefarm, AAA and a few others) are charging about $20 to $30 more a month by having this included in a quote. My question is If I get $250,000 in coverage on my auto insurance and get into an accident (say I am at fault)I always assumed the insurance would cover $250,000 in medical bills + damage to repair the cars/property. If that is true... why would I and everyone else not save the $20 a month and decline medical payments? I guess my question is...why would anyone get medica payments with such a low payout when you can get $250,000 or more in auto insurance for less?
Travelon 4-in-1 Emergency Tool 71% off at $5.99 fs
Added on : Tuesday July 31st 2012 07:00:03 AM
"In an automobile emergency, this is the one tool you wont want to be without. The Travelon 4-in-1 Emergency Tool includes:
- Seat Belt Cutter
- Side Window Hammer
- LED Flashlight
- Flashing Red Beacon" link
woot! Coupons
Free Child Safe Kit
Added on : Monday July 30th 2012 09:00:34 AM
Free Child Safe KitThe Child Safe Kit
We recommend that you keep the Child Safe Kit in a safe and convenient location that you can access quickly in an emergency.
Important Information at Hand
Record your child's name, address, birthdate, allergies, including any birthmarks or other identifying features that will help authorities identify your child.
Detailed Physical Description
It is important to know exactly where any of your child's birthmarks, scars, or other identifying marks are on their person.
Fingerprint System
With easy to follow instructions, The Child Safe Kit also comes with an inking strip to fingerprint your child which will help officials identify them more quickly.
Recent Photo of Your Child
Keep an up-to-date photo of your child to help officials accurately identify them. Remember to update your child's photo every 6-12 monthshttp://www.childsafekit.com/Preview.aspx
Romoss Sofun 2 5200mAh Portable Emergency Universal USB External/ Extended Battery Pack Power Bank with Samsung Cell and Micro USB Charging Cable with LED Flashlight for iPhone 4/4S, iPod Touch 4, Samsung Android Phones(Galaxy S2 i9100 8G/16G,Note,Nexus,S i9000,S5230, Monte S5620),HTC Android Phones (Desire,Sensation,XE,XL,Desire HD,Incredible S,EVO 3D,Wildfire S,Desire S/Z,Hero,ChaCha,Titan), Motorola (Razr,Defy plus, Atrix,Flipout,Milestone 2),LG Optimus (3d,2x,one), Sony Ericsson xperia (X10,X10 Mini Pro,Arc,X8),Blackberry (Bold 9900,9780,9700,Curve 8520,3G 9300,8900,torch 9800) and Much More USB Device.
Amazon Coupons
Free Trupanion Pet Safety Stickers
Added on : Friday July 27th 2012 01:00:32 PM
Free Trupanion Pet Safety Stickers
Trupanion Pet Safety Sticker
In the event of an emergency, help keep your pets safe with a Trupanion pet safety sticker. When applied to the window of your front and back door, our safety sticker alerts rescue personnel that pets live in your home. Fill out the form below, and we will send you two pet safety stickers to use in your home.
http://trupanion.com/info/fire-safety-form
Getting out of debt
Added on : Friday July 27th 2012 11:00:45 AM
Hello,I think I am on the right track with this and would like any advice that members could offer. Overview - 23 Years old, make 60K a year. Recently bought a house with my fiance (we have been together 10years, will be married next year). Up until about 4 months ago I was 100% irresponsible with money. I had 4 credit cards with a balance of $600, $1,500, $2,000 and $3,000, a personal loan from a past debt consolidation for $7,000 and a $28,000 car loan. My fiance and I split the house related costs down the middle. When I decided I needed to get out of debt and as quickly as possible we got rid of cable TV (have to keep internet for work), Netflix, started getting more cautious with AC use, started grocery shopping smarter, I quit smoking, started drinking less (or cheaper), etc. My share of the household bills has gotten down to about $600 per month (630 House payment, 80 electric/gas, 50 internet, ~250 food, ~100 misc household items all split in half). I also purchased a used car about 3 months ago with 250K miles on it for $1000 and repaired it. I have been driving that for the last 3 months to slow the depreciation of my other car.The car I have a loan for would sell for about $19,000 and I still owe $28,000 on it. I have paid off the $600 and $1,500 balance credit cards and cut up all of the cards. I have also saved $1000 aside in case of an emergency (I know its not enough). I am working on paying off the $2,000 balance and will move to the $3,000 balance next. One of my main questions - should I try to get a loan to cover the difference between what I owe on my car and what I could sell it for and then sell it and pay that ~$9,000 loan or just keep it parked and drive this old car I purchased?I know overall I have put myself in a pretty rough situation but I figure over the next two years I should be able to get everything with the exception of the mortgage paid off.My fiance and I also have some money saved up in a joint account that she (thankfully) made me save before we purchased the house. There is about $9,000 in there to cover any major issue that would come up with the house. That is for a huge house related emergency though and I won't touch that to get my personal finances straightened out.Any advice would be greatly appreciated.
Generac XG7000E Gas Electric Start Generator @ Costco $899.99
Added on : Wednesday July 25th 2012 02:00:04 PM
So I've been looking for a generator for over a year and yesterday at the Costco in Marlboro, NJ they had this professional grade generator for $899.99(plus 7% NJ Tax) This is the best price I've seen, maybe forever!I snagged it!Home Depot and Norwall sell it for $1,269.00 and Amazon has it for $1,319.00Here are the specs.Use the Generac XG 8,750-Watt Gasoline-Powered Electric Start Portable Generator to help provide reliable power at jobsites, events and as an emergency backup power source. This generator offers 5 GFCI circuit-breaker protected outlets and an illuminated control panel with start/stop, fuel shut-off and choke controls.
8,750-watt peak and 7,000-watt running power provides reliable power at jobsites, events and as an emergency backup power source
Muffler helps ensure quiet operation
Power bar helps you track how much power youre using and how much you have to spare
Automatic shutoff when oil levels are low to help prevent engine damage
Illuminated control panel offers start/stop, fuel shut-off and choke controls
Push-button electric start for easy powering up
Includes battery and manual pull-start for backup
Heavy-duty, rally-style wheels provide easy portability
Durable construction with over-sized, full-wrap frame tubing and impact-resistant corners helps minimize damage from rough handling
Durable construction with over-sized, full-wrap frame tubing and impact-resistant corners helps minimize damage from rough handling
MFG Brand Name : Generac
MFG Model # : 5798
MFG Part # : 5798
http://1saleaday.com/flash/nv-01116/Condition: New
Packaging: Retail
Warranty: 30 Day
Manufacturer: Fine Life
Model: NV-01116

Features Include:
Complete 31-piece emergency roadside kit
Useful tools to keep you safe in an emergency
Insulated 7 foot jumper cables
Flat head screwdriver
Phillips head screwdriver
Tire pressure gauge
9-piece 4-12mm nut driver set
Slip joint pliers
Pair of cloth work gloves
Electrical tape
13 assorted electric terminals and fuses
Durable carrying case

Package Includes:
Insulated 7 Foot Jumper Cables, Flat Head Screwdriver, Phillips Head Screwdriver, Tire Pressure Gauge, 9-Piece 4-12mm Nut Driver Set, Slip Joint Pliers, Pair of Cloth Work Gloves, Electrical Tape, 13 Assorted Electric Terminals and Fuses, Durable Carrying Case
1SaleADay Coupons
Free or cheap calling when travelling to foreign countries
Added on : Monday July 16th 2012 10:01:19 AM
Some may give me red on this, but I wanted to share my experience. When travelling to another (developed) country, using your cell phone is pretty easy these days. First, if you're on AT&T or T-Mobile and have had your phone for at least 6 months...call them and tell them you want to unlock it because of international travel. They should do it for free...they will send you a code. When you insert a SIM card from the new country, or even a prepaid cell card from the U.S., it will ask you for the unlock code. Otherwise, buy an unlocked phone over Craigslist or the internet for cheap. Step 1 complete!Step 2, get a VOIP application like Google Voice (on Android). Test it over any wireless network before you go to make sure it works. There are a few other free or paid VOIP apps but Google Voice seems to work well. Now you can make outgoing calls in any place in the world that has a decent internet connection. Step 3, when you get to the country, look for local wireless cell phone stores. Go in and tell them what you're doing. You have to decide whether you want local phone coverage, cellular internet coverage, or both. It's just like buying a prepaid plan in the US. In general you get a bucket of minutes and X GB of data for some amount of money. The SIM card costs a few dollars too regardless of which plan you choose. In Italy I got a plan for about $30 total but in retrospect I didn't call back to the US that much so could've gone cheaper.Step 4, get a prepaid calling card. This will allow you to dial a local number (which you can now do on your new local cell phone plan) and then call back to the US for a few cents per minute. While your cell plan may allow you to dial international calls directly, you will burn up all your minutes quickly. Alternatively, use your Google Voice number to call people when you're back in the hotel on their wireless network for free. Use local cell coverage to call for taxi's or if you're in trouble or if someone needs to reach you directly in an emergency.Step 5, If you get a Google number and set it up correctly in your google account, your phone will ring anywhere in the world when you're on a wireless connection. In other words, people in the US can call my google number (which is basically free for them to call), and it will ring my cell phone in another country if I'm on the internet...either cellular internet or wifi.There you have it! With all of this you will have plenty of options to minimize communication costs when travelling abroad while still allowing people to get ahold of you!
Do I need an One million dollar Umbrella Policy?
Added on : Sunday July 15th 2012 12:00:49 AM
I currently pay $46 a month for my auto insurance and about $13 a month for my renters insurance. My auto insurance is 300k per person/300k per accident. Here is my financial situationAge 27
Salary 50,000
Securities portfolio 21,000
401k 38,000
Emergency Fund 11,000
Vehicle Honda CivicI rent my home (with roommates). Geico gave me a quote of $151 per year for an 1,000,000 policy. Yes it's only $12 a month, but I really don't know what I could possibly do to cause a million dollar accident unless I hit a guy on a motorcycle or take out a Ferrari and then total a Bentley too.
Builder flooded my house
Added on : Saturday July 14th 2012 07:00:43 PM
Stanley Martin (builder) built a three-story house with two thermostat units in December 2010. We, the owner of the property lived there until April 2011.
In August 2011, there is flooding around the ventilation unit in the storage room of the basement. The builder came and had a condensate pump ( the size of a shoebox, that collects condensed water and pumps it into a sump pump about 2 feet away.) this fixed the problem for last summer. Note, because we were in basement of most the time, we seldomly used the AC unit upstairs.This year we rent out the house to a family of five. They used both AC units upstairs and downstairs heavily. Now, there is recurrence of flooding around ventilation unit in a storage room of the basement. The AC unit upstairs was not working correctly from the start this year. They reported that there is water coming out of the wall on the second floor and the main floor which are controlled by the 2nd AC unit upstairs. Its ventilation unit is in the attic above the second floor. The emergency line for the builder was called and they came and realize that the condensate tube was not left to drain to outside of the house and instead it was buried inside the wall of the house.The builder offers a 2-year and 10 year warranty.we are not there to see the house. From our tenants we learned that there is a lot of water in the walls of the house. The builder has been ignoring our phone calls and e-mails and are fixing the problem according to the attendance without our consent. we would like to know what was wrong and what they are doing or will do about it. Please advise on what would you do in this situation? i.e. hiring a structural engineer, inspector, lawyer, etc.
Garmin nuvi 1390LMT (refurbished) $79.98 at Walmart
Added on : Saturday July 14th 2012 03:00:04 PM
Stolen from SDLink to Wally's.This is a REFURBISHED unit.Garmin nuvi 1390LMT 4.3-Inch Portable GPS:
4.3" widescreen, TFT-WQVGA, 480 x 270 pixels with white backlight
ecoRoute feature and 6 million POIs pre-loaded
Maps cover North America
Save up to 1000 waypoints, favorites and other locations
Built-in solid state memory
Intuitive touchscreen interface
Hands-free Bluetooth speakerphone
Lane assist with junction view
Integrated FM traffic receiver and free lifetime traffic updates
JPEG picture viewer, world travel clock, currency converter, measurement converter and calculator tools
Photo navigation
"Where Am I?" emergency locator
Garmin Lock anti-theft feature
Rechargeable lithium-ion battery lasts up to 4 hours
Includes GPS, vehicle suction cup mount, USB cable, dashboard disc and quick start manual
Walmart Coupons
Garmin nuvi 1350LMT (refurbished) $79.98 at Walmart
Added on : Saturday July 14th 2012 12:00:03 PM
Stolen from SDLink to Wally's.This is a REFURBISHED unit.Garmin nuvi 1390LMT 4.3-Inch Portable GPS:
4.3" widescreen, TFT-WQVGA, 480 x 270 pixels with white backlight
ecoRoute feature and 6 million POIs pre-loaded
Maps cover North America
Save up to 1000 waypoints, favorites and other locations
Built-in solid state memory
Intuitive touchscreen interface
Hands-free Bluetooth speakerphone
Lane assist with junction view
Integrated FM traffic receiver and free lifetime traffic updates
JPEG picture viewer, world travel clock, currency converter, measurement converter and calculator tools
Photo navigation
"Where Am I?" emergency locator
Garmin Lock anti-theft feature
Rechargeable lithium-ion battery lasts up to 4 hours
Includes GPS, vehicle suction cup mount, USB cable, dashboard disc and quick start manual
Walmart Coupons
My Child ID Software - FREE ($29.99 value)
Added on : Thursday July 12th 2012 07:00:02 PM
http://www.amberalertgps.com/freemychildid/Great application for storing your each member of your family's personal information, including an identifying photo in the event of an emergency. If something does happen, you can an alert to your stored contacts with just a few clicks. Compatible with MAC and windows. Once you complete the download, you'll be sent a receipt with you license number in there- it's towards the bottom of the email. I almost missed it!I think the download is free until the end of July!Just another way to keep our families safe!Warmly,Brandi
Paying Off Private Student Loans v. Federal Student Loans v. Investing
Added on : Wednesday July 11th 2012 02:01:01 PM
Hello, I recently consolidated my student loans, and was hoping for a bit of advice on the best way to move forward. Background:I currently have just over $80,000 in private student loans at variable 3.5% interest rate. While this rate will hopefully stay this low, it will not go above 5.5% in the next 4.5 years (thank you Service-member's Civil Relief Act), but has the potential to go much higher once I leave the military. I also have just over $57,000 in federal student loans (law school is way too expensive), with a fixed interest rate of 4.625%. I have about $60,000 currently saved up, and will have an additional $75,000 or so by next summer. These two amounts combined would give me enough money to completely wipe out my student loan debt (which was my original plan before I reconsolidated at such a low rate on my private loans). The $60,000 includes a $25,000 emergency fund, but I have enough additional liquid cash, a stable job, and a good safety net (thank you Mom and Dad), that I'm not worried about using the whole fund (Please note that I have also been fortunate enough to be able to max out both my Thrift Savings Plan (401K) and my Roth IRA the past few years, and should be able to continue to do that regardless of the strategy I choose regarding my loans).I just enrolled in the Federal Government Loan forgiveness program (about 4 years late), and would benefit from VERY low Income based repayment (IBR) plan for the next few years thanks to a deployment which spanned the portions of the past two years and knocked my Adjusted Gross Income (AGI) to an obscenely low number. Even after I lose the VERY low AGI, thanks to all the tax free benefits of the military I would still have a relatively low payment for the next 2.5 years. At that point I will most likely get out of the military, and while there is a possibility I will get out of public service, it is likely I will find a civilian government job (thereby continuing with the loan forgiveness program). Getting out of the military would put me on the standard 10 year repayment plan that I would have been on all along had I not switched to the IBR. In the end, assuming I stayed in government service, but got out of the military, I would pay about $6000 dollars less in total on the federal loans ($51,000+), than the amount I owe today ($57,000+). If I were to get out of the public sector altogether, I would end up paying significantly more due to the large amount of interest that would accrue during these first few years.Potential Plan (and where I hoping for your invaluable input):Because the rates are currently so low on the private loans, I am considering making my minimum payments ($403 a month) on those loans for the time being. I would then take the $60,000 I currently have saved and pay off my Federal Loans in their entirety. Once the pay-off was complete, I would only have a monthly private loan payment of $403, as compared to the $1310 monthly payment I was making prior to my consolidation and the pay-off. I could then take the $900+ dollar difference and invest the money each month/rebuild my emergency fund. I could also invest the other $75,000 dollars I will accumulate by next summer. Then if the interest rates were ever to sky rocket on the private loans, I could just take the investment money and pay off a large chunk, if not all, of the private loans. In general I feel like I've thought this through pretty thoroughly, but I hate carrying all this debt, and something about paying off the public loans while keeping the private loans just seems wrong. Are there any reasons (besides the Forgiveness Program) to pay off the private loans over the federal loans, or would it be even better to just keep both and invest all of the money? It seems to intuitively make sense to keep both and invest, particularly when the public loans will be forgiven after 10 years, but because I will accrue so much interest by making such low payments at the beginning on the 10 years, I really have to be committed to staying 10 years in government service. If anything changes with that plan, it could end up costing me quite a bit more, and considering the direct benefit of paying off the loans today v. the approximate amount I will pay over the 10 years (again, only about $6000), I'm just not sure the risk is worth it. Does anyone else have any thoughts?I'm sorry for writing a book, but this issue has been "keeping me up at night," and I would really appreciate some second opinions.Thanks.
1 Posted By: FatWallette
Views: 96 Replies: 0



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Should I pay off my student loans right now?
Added on : Monday July 02nd 2012 08:00:45 PM
I work as a software engineer, and graduated 2 years
ago. I have been fortunate to have decent job, and have
been more or less conservative with my spending habits.After accounting for a healthy emergency fund, I have saved
just about enough money to pay off my student loans in full. To date I have been paying these down at about 150% of the
statement amountACS Loan Services: Remaining balance $11,000 @ 6.2%
Nelnet Loan Services:Remaining balance $4,500 @5.6%I'm leaning toward just paying them off in full.
Should I do it?Concerns:1. Any tax benefits I'll miss out on by holding on to the student loans?2. Because of the student loan bubble, are we about to
see major restructuring or dismissal of loans that could be of benefit?3. Is it a good idea hold on to the debt at these relatively low rates
and invest in a broad market index fund with the principle? Like I said, I am leaning far towards paying them all off by the end
of next month, but wanted to hear from the FW community first.
Thanks!!gk
Debt reduction/saving advice for recent grad
Added on : Wednesday June 27th 2012 11:00:48 PM
I'm a 25 year old, very recent graduate with a professional degree. I would love to get some advice on the best strategy for paying off my debts and building savings/retirement funds. I currently have $28,500 in subsidized federal student loans, which will go into repayment and start accruing interest @6.8% in November. I currently have about $8,000 in the bank. I'm bringing in about $4,500/month after taxes and 401k contributions (currently set to max out employer match) and my monthly expenses are around $2,000/month (including some discretionary spending). I don't have any other debts and have no retirement savings until 401k deferrals start next paycheck. My goals are to get out of student loan debt as quickly as possible while starting to build savings/retirement funds. My future plans may include pursuing further training in my field in about 2 years. This would mean 2-4 years of making just enough to cover my expenses (however, I shouldn't have to acquire any additional debt) and my salary afterward would be similar or slightly below what it is now. Yes, money-wise it's a bad move, but I would be choosing to work in a field that I truly love and accepting lower compensation/opportunity cost of time back in school. With that in mind, I want to make sure that I put myself in the best position I can financially over the next 2 years. My short term plan is to set aside $4,000 as an emergency fund and using the remaining $4000 in the bank as the start of my savings, then focus the majority of my $2500 excess monthly income towards student loans to lower the principal as much as possible before they start accruing interest. When November rolls around, I'd start diverting more money into savings while still making large contributions towards debt repayment (perhaps 1700 loans/800 savings). If all goes as planned, I'll have paid off my student loans, established a good amount of savings and started my retirement fund before having a couple of lean years in grad school. I'd like to get some input on whether this sounds like a reasonable strategy and how I can improve it. I feel like I'm in a good position to get started, but need some careful planning so as not to hurt myself if I do go back to school in 2 years. Should I defer more money into 401k? Do large monthly payments throughout my loan grace period seem reasonable, or would I be better off accruing money in the bank for now and making a lump payment just before November? If need be, I could buckle down somewhat on monthly expenses and funnel more money other places - would you recommend it and why? Thanks for any advice you have to give!
linklowest price now according to amazon price tracker
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BofA screw up, denied new credit card from Chase, any recourse?
Added on : Tuesday June 26th 2012 03:00:47 PM
About 5 months ago State Farm billed me for renter's insurance using the wrong credit card. They have 2 on file and they used my emergency Bank of America card which I don't touch. I'm signed up for paperless statements with BofA, but because of some kind of glitch in their billing system, I didn't get any emails notifying me that I had a balance, and I recieved no statements (though I got convinience check every week).About 10 days ago I applied for a Chase slate card and was given the 7-10 day wait message. I thought it was odd since I'd never been denied a Chase card before. On Friday I got a letter from BofA saying my account was 4 months past due and had been deactivated, this was when I first learned of the balance. So I called up BofA yesterday, and after a ton of transfers, they verified the error and told me that they would take off the interest and late charges and change the notations on my credit report to bank error so they would have no impact on my credit. However, yesterday I got my rejection letter from Chase citing excessive deliquencies.So my question: is there any way to get Chase to reconsider or get some kind of compensation from BofA. There is no other 15 month 0% no fee BT out there, and I kind of need it right now.Thanks in advance.TLDR: BofA temporarily screwed up my credit report and I was denied needed Chase Slate, what now?
Emergency Car Jumpstarter (Jump Up): $12 + Free Shipping @ Buy.com
Added on : Tuesday June 26th 2012 06:00:03 AM
http://www.buy.com/prod/232093947.htmlThis Jump Up Emergency Car Jump Starter will get you back on the road quickly and without the need for friends car. This Jump Up Car Starter is perfect for emergencies. When the battery dies, simply plug the Jump Up into your cars cigarette lighter and in 10 to 20 minutes your car will be ready to go. But, now the Jump Up needs a jump. To recharge this charger, simply flip a switch and plug it in while your car is running. Some would call it the circle of life. Don't be left sitting in the cold waiting for a friend who might later text you and say he cant make it. Get this Jump Up Emergency Car Jump Starter today.

Features
* 30V Output Capacity
* Easy Car Jump Starter
* Fast, Charge Car in 10 to 20 min.
* Perfect for Emergencies
* Plugs Into Car's Accessory Power Socket (Cigarette Lighter)
* Rechargeable
* Safe
* Unit - 3 in. Wide x 2.5 in. Tall; Cord - Approx. 3 ft. Long$15 via same seller (DealGenius) @ Amazon.
~$25 via most other 3rd party sellers @ Amazon.
No reviews though...
http://www.amazon.com/dp/B007KDFXNOAnyone have experience with this product?
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New3gg's Shell Shocker deal today only. Pick up this Laser/Radar detector and save $95 of list. Beats other reputable sellers by $11 and up. Shipped via 1Sale.
LINKStay alert with the Early Warning EW-5005 360 All-Band Laser/Radar Detector. The EW-5005 provides a distinct alert for each band and indicates the intensity of the band with an increased or decreased beeping tone and visual alert.Detects all currently-available X, K, Ka band and laser signals and is undetectable to law enforcements agents with its patented SPECTRE RDD I cloaking technology. With the EW-5005 you will always be aware of potential road hazards, such as emergency vehicles and railroad crossings, for a safer and more comfortable drive.
Specs Condition: NEW
Packaging: Retail
Manufacturer: Early Warning
Model: EW-5005Features Include:* Detects all currently-available X, K, Ka band and laser signal
* High-resolution color LED display with 11 indicators with distinctive audio/video alerts for each bands
* Instant On and Pulse radar detection
* SPECTRE RDD I undetectable
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Product Description
Ooma Telo - VoIP phone adapter - Ethernet *** Free Shipping In Cart Or Free Store Pick Up ***http://www.sears.com/shc/s/ooma-telo-free-home-phone-service/p-0...*** New not a refurb. ***With its sleek design and loaded features, the only thing that's not high-end about the Ooma Telo is the price tag. The Ooma Telo connects to your high-speed Internet and existing home phones, allowing you to enjoy free home phone service, free U.S. calls, and exceptionally low international rates. Free U.S. calling
Call anyone, anywhere in the U.S. with no monthly fees.
Bundled calling features
Enjoy the convenience of caller-ID and call-waiting - at no extra charge.
Voicemail
Access your voicemail remotely from any phone or web browser, or receive an email notification that you have a voicemail message.
One-touch voicemail access
Check messages from anywhere in your house.
Exceptional voice quality
Get the crisp, acoustic performance of a landline.
Easy set-up
Ooma is a highly intuitive set-up. Most customers are up and making free calls in about 15 minutes.
911 service
When you dial 911, emergency personnel will automatically have your registered address.
Landline backup option
You can choose to keep a landline connected to your Ooma as a back up option so that during Internet outages placing 911 calls are always possible.
Low cost international calling
Make international calls starting at pennies per minute.
Online call log
Check your calling history from any Internet-connected computer or mobile device.
Free in-network calling
Call another Ooma customer anywhere in the world for free.
Dect 6.0 support for Ooma Telo handset
Get superb sound quality, security and range without interfering with your Wi-Fi network or other home electronics.
Advanced network/firewall configuration
Get a high-performance firewall router, with QoS support that allows you to setup home-based servers and other network devices.
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Ooma Telo Free Home Phone Service $129.99 Store Pick Up @ SEARS
Added on : Friday June 22nd 2012 01:00:06 AM
Product Description
Ooma Telo - VoIP phone adapter - Ethernet *** Free Shipping In Cart Or Free Store Pick Up ***http://www.sears.com/shc/s/ooma-telo-free-home-phone-service/p-0...With its sleek design and loaded features, the only thing that's not high-end about the Ooma Telo is the price tag. The Ooma Telo connects to your high-speed Internet and existing home phones, allowing you to enjoy free home phone service, free U.S. calls, and exceptionally low international rates. Free U.S. calling
Call anyone, anywhere in the U.S. with no monthly fees.
Bundled calling features
Enjoy the convenience of caller-ID and call-waiting - at no extra charge.
Voicemail
Access your voicemail remotely from any phone or web browser, or receive an email notification that you have a voicemail message.
One-touch voicemail access
Check messages from anywhere in your house.
Exceptional voice quality
Get the crisp, acoustic performance of a landline.
Easy set-up
Ooma is a highly intuitive set-up. Most customers are up and making free calls in about 15 minutes.
911 service
When you dial 911, emergency personnel will automatically have your registered address.
Landline backup option
You can choose to keep a landline connected to your Ooma as a back up option so that during Internet outages placing 911 calls are always possible.
Low cost international calling
Make international calls starting at pennies per minute.
Online call log
Check your calling history from any Internet-connected computer or mobile device.
Free in-network calling
Call another Ooma customer anywhere in the world for free.
Dect 6.0 support for Ooma Telo handset
Get superb sound quality, security and range without interfering with your Wi-Fi network or other home electronics.
Advanced network/firewall configuration
Get a high-performance firewall router, with QoS support that allows you to setup home-based servers and other network devices.
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iTunes Store has the 5-0 Radio Pro Police Scanner App (iOS 3.0+) for $0.99 downloaded.
Allows access to 35,000 live police, firefighter, emergency medical ambulance, air traffic control, railroad, and music stations.Text
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Get Nathan Speed 2 Waistpack with Two 10-Ounce Nutrition Flasks @Amazon.com at $26.50 - $47.19.
5 colors to choose from.
link
Features:
Limited-stretch elasticized Velcro-fastened waistbelt
Two 10 ounce Nutrition Flasks
Molded Holsters
Waterproof pill pocket
Power Stretch Mesh pocket; interior flat pocket
Incorporated, waterproof I.D./medical emergency card
Weighs 8 ounces
Three sizes: SM 26-32 inches; MED 32-36 inches; LG 36-42 inches; XL 42-48 inches
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The Roaming Gnome gained popularity in Travelocity's television ads, where he accompanies travelers on the airplane, in the car, and during ill-fated three-legged races. The Roaming Gnome requires no assembly or emergency trips to the hairdresser, as he arrives ready to adorn any garden or desktop. Also featured in The Amazing Race
Made of durable, weather-resistant resin
Coated in lacquer to withstand harsh weather and sunburns - $15 for an 8-inch statue of the Travelocity Roaming Garden Gnome (a $16.99 value) with shipping (a $5.92 value; a $22.91 total value)
- $19 for a 13-inch statue of the Travelocity Roaming Garden Gnome (a $24.99 value) with shipping (a $7.16 value; a $32.15 total value)Limit 3 per person, may buy 2 more as gifts. Does not ship to AK/HI/Canada. Most orders ship within 7-10 days from the purchase date.
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Garmin Nuvi 1390LMT 4.3" Portable GPS, Refurbished Walmart $79.99
Added on : Wednesday June 13th 2012 03:00:05 PM
Garmin nuvi 1390LMT 4.3-Inch Portable GPS:Integrated FM traffic receiver and free lifetime traffic updates
Hands-free Bluetooth speakerphone4.3" widescreen, TFT-WQVGA, 480 x 270 pixels with white backlight
ecoRoute feature and 6 million POIs pre-loaded
Maps cover North America
Save up to 1000 waypoints, favorites and other locations
Built-in solid state memory
Intuitive touchscreen interface
Lane assist with junction view
JPEG picture viewer, world travel clock, currency converter, measurement converter and calculator tools
Photo navigation
"Where Am I?" emergency locator
Garmin Lock anti-theft feature
Rechargeable lithium-ion battery lasts up to 4 hours
Includes GPS, vehicle suction cup mount, USB cable, dashboard disc and quick start manual
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how to invest 10-12 k?
Added on : Saturday June 09th 2012 02:00:42 PM
I know this question was probably asked before,I did some research, but I still am not clear on how can invest a small sum of money with somewhat guaranteed return.
I got 12k sitting in my checking account that I don't see using in the near future. I'd like the investment to be liquid - in case of an emergency. Is it possible to get 8-10% a year with minimal risk?
How much financial sense does it make to buy trip insurance for foreign travel, and how to figure if price is good for the coverage ? Especially with high ticket cost(say $1200/person), high cost to make any changes(say $350/person to change!), and chances of bad weather etc what / which trip insurance products make more sense and how to choose ? Any tipsWe will be travelling to a foreign country in Asia for a few weeks of vacation and out trip itinerary at virtuallythere.com shows a very strategically placed link for "Buy Travel Protection For This Trip" above every leg of the trip. For ~1200 bucks of ticket x 4 persons it says it cost $25/person x 4 = $100 but looking inside I found the benefits pretty slim looking:
- Trip Cancellation and Trip Interruption upto $200
- Travel Delay upto $300
- Baggage and Personal Effects upto $500
- Baggage Delay upto $100
- Medical or Dental Expense upto $10000
- Emergency Assistance upto $25000
- 24-hour Emergency Assistance ServicesSeeing that this is like the price of candy on a shelf next to checkout lane I guess there must be better offers elsewhere. We are mainly looking for trip interruption, trip cancellation, bad weather, losses of delay (travel and baggage), baggage and item losses
Looking around, per a travel insurance review site found http://www.squaremouth.com/quotes/173-275-8/compare_favoritesBut will appreciate knowing what you think is a good price to coverage ratios in above categories, and any rules of thumb etc
Seems like a very wide unregulated field with large range of price for similar looking coverage
This is the lowest price I've seem on a Spin Bike of this quality $189.80 with FS.This spinning bike has a dipping handlebar and strong aluminum pedals. A durable steel construction and a wide base ensure a stable ride and the computer functions on this exercise bike include scan, time, speed, distance and calories. 40-pound flywheel
Double direction with emergency brake and 3-piece crank
Dipping handlebar
Strong aluminum pedals
computer functions include scan, time, speed, distance and calories
Steel construction and a wide base ensure a stable ride
Precision flywheel offers a smooth feel
Provides a low-impact, high intensity cardiovascular workout and builds both strength and endurance
Weight capacity: 250 pounds
Dimensions: 42 inches high x 52 inches long x 20 inches deep
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TomTom Ease 3.5" Touchscreen GPS for $49.99 List price:$179.99
Added on : Friday June 08th 2012 07:00:09 PM
Would make a great Fathers Day gift!!tomtom Ease 3.5" Touchscreen GPS With Spoken Street Names, IQ Routes Technology & Emergency Menu!
Ben's OutletList Price:$179.99
Savings:(72%) -$130.00
Our Price:$49.99
Free Shipping!
Add To Cart
20% In Stock

(Description from the site.)Taking a road trip is a great family activity, but those wrong turns and the time wasted getting lost can be frustrating. With the tomtom Eases premium preloaded maps of the United States and Canada, you'll get wherever youre going on-time and without the stress. Using the most accurate and dependable maps in the industry, you'll always know where you are and where youre heading.There's no complicated setup required, simply plug and go right out of the box, and use the 3.5 inch QVGA touchscreen and 3D EasyMenu to get the directions you need. Spoken street names let you keep your eyes on the road, while the emergency menu provides you with police, fire, and hospital locations. With over one million more miles of roads than other GPS brands and a highly sensitive GPS chip, the tomtom makes the trip a part of the experience.Features Include:3.5 QVGA touchscreen
High sensitivity GPS chipset
tomtom Ease United States and Canada edition
3D EasyMenu with navigate and detail
Fold and go EasyPort mount
Preloaded maps of United States and Canada
Spoken street names
Multi-language support
IQ routes technology
30 day latest map guarantee
tomtom Map Share
tomtom home
Help Me! Emergency menu
Plug and go
Preloaded maps on internal memory (no SD slot)
Mini USB port
Internal lithium ion battery
Color: White
Dimensions: 3.2 (H) x 3.7 (W) x 0.8 (D)
Package Includes:tomtom Ease With Preloaded Maps
Integrated Fold & Go EasyPort Mount
USB Cable
Car Charger
Adhesive Disk
User Guide
SpecificationsWarranty1 Year
ConditionBrand New
PackagingRetail
Manufacturertomtom
Model Number1EX005201
Gan Canyon 13" Heavy-Duty Cree Q3 LED Flashlight with 3 Light Modes, Adjustable Beam Size and Window Breaker is just $14.99, 2 hours left for it.
link
Product Features:
Cree Q3 LED light
3 light modes regular, super bright, strobe
Adjustable beam size
120 Lumens
Long-lasting LED
Powerful beam
Aluminum
Heavy duty
Emergency stainless steel window punch
Requires 3 D batteries (not included)
Me and my wife have been living in a rented condo (in California) for about 2.5 years, with our last annual lease renewed in last October. In this May, the landlord and his agent made an inadvertent visit to our home for some minor repair. In the week that followed, she sent me an email saying that our carpet is dirty and kitchen is too greasy and wanted us to clean up. We agreed that the carpet is dirty and needed deep cleaning. So we hired a carpet cleaning professional to do a deep clean in the whole apartment, and we cleaned up the kitchen ourselves.The landlord agent came over last week for inspection, and she was still not happy with the results, especially with the carpet. She keeps saying the carpet is still dirty and suggests that we use the cleaning service company that has contract with them, and it will be at our expense. The last deep cleaning has cost us more than $200, and I just don't want to do another one within such a short time. Deep cleaning is just such a hassle. The landlord said she will do another inspection in mid-June to make sure we clean it better. I was cool with her first inspection, but not again. This time, I said no, because I feel a bit irritated about another inspection. So I wrote her a letter to refuse her second inspection, and the letter was sent by certified mail, I want to make sure she receives it. Below is part of the letter:a landlord or its agent can only access his/her property under the following situations:

1. In an emergency
2. To make necessary or agreed-upon repairs, decorations, alterations, or other improvements
3. To show the rental unit to prospective renter(s), lender(s), purchasers, or contractors/workers who are to perform works on the rental unit, or to perform initial inspection before the end of the tenancy
4. A court order permits landlord to access the rental unit
5. If the tenant has a waterbed, to inspect the installation of the waterbed upon completion

Our tenancy won't end until this October, and we are not planning to move out before that. The reason for her re-inspection is to check the general-cleanness, which does not fit into any of the above 5 situations that can permit her access.

She then replied via email saying that she can access the rental property if she gives a 24-hr notice, and complaining that we are not cooperating with her and the landlord who wants us to keep the carpet clean. But her reason for re-inspection cannot even be justified by law. It is not that we don't want to cooperate with them, but we simply cannot accept unjustified reasons. So I wrote her back, part of the reply was:

a 24-hour notice is only required for valid access request as permitted by the California Landlord/Tenant Laws. As a landlord or its agent, you should observe these access rules and you are not entitled to doing anything that falls outside of those rules. However, you CAN occasionally request something that is outside of the rules, but we are not obligated to agree with everything you wish to do on the rental property or on us. In other words, we also CAN refuse requests that we consider unreasonable and/or inconvenient.I really believe that the landlord or its agent is stepping into the boundary permitted by law. I want to hear from fellow FWers about how to maximally protect our rights as tenants? thanks guys!
http://www.sears.com/shc/s/p_10153_12605_02807201000P*** Price In Cart ***
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2 weeks ago, my car was flipped over after being hit by another car in a small in-town red light intersection in Illinois. As a result, I had a severe injury and bleeding, had a 3 hour hand surgery with 30+ stitches and was hospitalized 4 days. With all the fractures, lost tissues and skin graft, I will have my splint for a total of 5-6 weeks.
I have talked to multiple attorneys so far, they are all good when you talk to them, but when they give me a contract to sign, the actual contract looks different from their verbal explanations and against me. Here is a summary of events and I hope you can give me some suggestions of things that I should consider when signing contract with attorneys.
Rental car problem
We have a Nissan Sentra and an Altima, but at the time of the accident I drove a rental car (Hertz had given me a compact instead of the full size that I had reserved because they didnt have a full size that day). I notified American Express for deductibles since that was the card I used to make reservation.3:40 PM, updated insurance
40 minutes BEFORRE the accident, I called my insurance Geico to ask them remove our Altima from policy because it had a serious mechanical breakdown. During my phone call Geico agent told me that my other working car (Sentra) didnt have any collision and comprehensive coverage which was true because we mainly used our Altima recently and asked if I like her to add such coverage to my remained car. I told agent that if it makes no difference, Id like to increase my policy online by myself and thats what I did right after that phone call. Historically my underinsured/uninsured/liability has usually been between 50K to 250K but at this time it was 25K and I increased it to 1 Million. (yes 40 times more because it was so cheap to do that)4:20 PM car accident happened
In a T intersection while I was driving straight on green light, another car in its turning left hit my car on the back door of passenger side and as a result my tiny rental car flipped over and stopped upside down. Only the side airbag opened on the passenger side. Because none of driver side airbags opened my left hand injury was severe and bleeding badly. Ambulance took me to emergency but the other driver was OK. 6:30 pm: Geico called me in hospital
Geico agent called me just to confirm that the policy changes I had requested had been done. I asked her what time exactly the new policy became effective; she said as of 3:59 that day (20 minute before the accident).
8 pm: Police officer came to hospital, with both drivers claiming green light and no camera and witness, he said he preferred to believe the other partys story and ticketed me for passing red line. I asked why, he said because you were driving faster which is true because in a T intersection naturally those going straight always go faster than those turning left. And also because two people who arrived at the scene about 1-2 minute later had told him that WHEN they arrived they saw the light was green on the other drivers side.6 days after the accident, at 10 PM:
I reported the accident to my insurance, Geico. After 12 hours from my report, at 10 AM next morning I received an email from Geico saying that due to the recent accident they couldnt approve my increased policy coverage of $1 Million (requested 7 days ago). When I reminded them that they could not retroactively disqualify me for coverage level that they had approved me earlier, they said they had actually never approved me for this increase and said high increases always take time to be approved. Attorneys:
Every attorney that I have talked to so far said going after car manufacturer for air bag default is expensive and they couldnt do it, but they all believed that I have a strong case of personal injury after of course we can prove that I havent been at fault. They all say that they are happy to sign a contingent contract with me, meaning that I pay nothing if they cant recover anything for me. But later the contract they give me to sign always looks something like following indicating:2. Attorneys Fee: Client will pay Attorneys for their services one-third (33 1/3%) of any and all amounts recovered in any manner. Such fee shall be computed on the gross recovery. IN THE EVENT OF NO RECOVERY, CLIENT SHALL OWE ATTORNEYS NOTHING FOR SERVICES RENDERED IN THE INVESTIGATION AND PREPARATION OF SAID MATTER FOR TRIAL.3. Attorneys Cost: Client agrees to pay all costs of investigation, preparation and trial of case regardless of whether any proceeds are recovered. Client authorize directs Attorneys to deduct from Clients share of proceeds, directly to any doctors, hospital, expert or other medical creditor, any unpaid balance due them for Clients care and treatment. All costs shall be deducted after first computing fee as provided in Paragraph 2 above.My specific questions:
1-Should I be responsible for court/trial costs? If yes, then what is the risk that attorneys keep telling me they are taking by a contingency contract?2-I have 25K medical on my car insurance, 25K must be pretty much equal to my medical costs so far and it will be paid to me (my doctors actually) regardless of if I remain at fault or other party becomes at fault. With the above two paragraph of contract will my attorney take 33.3% of my medical too?3-If the other party became at fault but only has 25K liability which is equal to my 25K medical, then does it make any sense for me to hire a personal injury attorney, and pay his costs just so I get my roughly 25K surgery costs from other partys liability instead of my own medical when I am going to be left with nothing extra for my pain and suffering?4-How can I ask the other party liability coverage from her insurance by myself?5-Is there anything that I should ask my attorney to add or remove from the contract that I will be signing?I really appreciate any help!
CD Ladder Alternative Advice
Added on : Thursday May 31st 2012 01:00:48 AM
I currently have a big enough emergency fund and have an excess of funds I'd like to make a better return on. I have other assets with more risk (e.g. stocks, bonds, etc) and would like to find returns of approximately 1.5%. For various reasons, a rewards checking account is not for me. Money Market is too low of return.A CD ladder is appealing but I feel there must be an easier route. Let's say I have 50K to invest and I would buy a 1, 2, 3, 4, and 5 year CD for 10k each. On year 1 I would buy a 5 year CD and continue to do so each out year until all are 5 year CDs. My issue is the management of the ladder if I want to add more funds. I don't want to purchase 1k here and 1k there and end up a ton of CDs and irregular maturity payments. Also if I want more frequent cash flow (say monthly or quarterly) that's more CDs to manage.It seems like there must be a place that would let me to invest 50k, charge a small expense ratio (e.g. 0.1%), anytime I wanted to add funds my interest rate may change as they may have to purchase and restructure CDs, intelligently analyze if it would be better to take the penalty and purchase a higher return CD, and charge me only the early withdrawal penalties for CDs (e.g. Ally forfeit 2 months interest) if I choose the lump sum.I will broaden the search for this product in my question as I feel I am being narrow sighted that CDs are my only option... Are there any investment vehicles that are just one account, similar risk and return to CDs including tax considerations, allow funding any time, don't cease upon death, reinvest interest if applicable, and allow the investor to elect to evenly disburse payments monthly on demand or in one lump sum with minimal penalties?
Why paying down 2nd mortgage makes sense to me now
Added on : Monday May 28th 2012 01:00:49 PM
I have been thinking about paying down our underwater mortgage for a while now and I believe I have come to the conclusion that paying down the mortgage is the best or financially sound approach at this point. I must say that we could have paid it down a long time ago also but because it was underwater and we didn't know exactly what we would do in the future with regards to the house, I resisted paying it down in the past. Even though the house is still underwater, we have come to this new reasoning because of a few things:
1. We kept our discretionary income and emergency funds in high yielding credit cards and ibonds = approximately $50K. We still have about half of that with People's Bank/Danvers but the rest of the money is earning less that 1%. This is the amount of money we want to use part to pay down our mortgage.
2. We are contributing 15% of income each to our company sponsored 401K. Mine is matched up to 4% and my wife's not matched. We are doing this purposely for tax advantage purposes.
3. We do have roth IRA's of approximately 30K but we are not actively contributing to it. We actually converted previous employers 401k and we will continue to do so over the years since there are more.
4. We are also contributing to a 529 plan up to the maximum deductible from state taxes each year.
5. We also recently bought a new car and even though we had the money to pay it off immediately, I have transferred it to a 0% APR for one year. We will pay it off before the year ends. So now that we have approx. 20K that is earning less than 1%, I want to use either all or part of it to pay down my second mortgage which is approximately 40K and 7.99 APR. It seems to me that the financial benefit is obvious. I am sure some of you will point out how I will pay off the car debt of about 17K which is now on my credit card. We are saving approximately $2500 a month so I am hoping to use that to clear the 17K in 1 year or less. The first mortgage which is the bulk of the mortgage is at 4.5% APR with Ing Direct. Is it a good idea to take this approach?
Coleman Propane Lantern $25 plus $8 shipping meijer Coleman Elite PerfectFlow InstaStart Propane Lantern
shipping is shown on last window afte you enter your address.
No reviews on this, this is a newer model.
Goes for about 40-45 regular price. Suspect sale price will be about $37- $39
(based on coleman webSite price of $49.)
MEIRER LINK
The Coleman Elite PerfectFlow InstaStart Propane Lantern features a non-rust porcelain ventilator and matchless lighting with an easy-to-use, push-button electronic ignition. The heat shield system allows for reduction of heat at the control valve for optimal lantern performance. Operates with a 16.4oz cylinder propane tank (not included). ��_Lantern
��_2 Mantle design uses No. 21 mantles (included)
��_Porcelain ventilator won't rust
��_Unique stable base with retractable feet
��_Matchless lighting with easy-to-use InstaStart ignition
��_Coleman 16.4 oz propane cylinder lasts up to 8 hours (sold separately)
��_Adjustable brightness level from low to high
��_Up to 15% brighter than Coleman standard 2-mantle propane lanterns
��_Assembly required
��_Includes removable reflector, lantern, globe, and mantles.
��_Measures 6.6"W x 10.8"H x 7.9"D (without propane bottle)
��_Made in China
Made in Thailand, globe in China,

Coleman Owned by Jarden Corp, makers of sunbeam and other quality, aack, aack,, products.
If you order 6 you can use the 15% off coupon and it comes out to $25.14 per lantern. so sell the extra ones to Neighbors and friends or gifting to camping buddies.

Merchandise Total:

$149.94
Promotion(s) Applied: - $22.50
Order to Store Pickup:
*Shipping: $23.44
*Tax:$0.00
*Estimated Total:$150.88 Just Perfect for those Emergency Kits.
Bottle of propane and no matches needed. Perfect for disaster supplies. This along with the Coleman $15 propane stove from last year, makes the perfect kit. Propane bottle is good for at least 5 yrs or more.
Just make sure you have a match or two to burn down the mantles.
Or prepare the mantles ahead of time and store it in a padded coffed can or something so the mantles are safe and keep extras.
Meijer Coupons
http://www.ebay.com/itm/Energizer-Energi-to-Go-Portable-Micro-Mi...Enjoy fast, long-lasting charging power for your cell phone when you're unplugged and on-the-go with the Energizer Energi To Go instant charger. Whether it's an emergency or just another call on-the-go, you'll have the power you need. Plugs in for instant, automatic power
Designed for cell phone usage
Provides up to 10 hours talk time
Up to 12 days standby time
Requires 2 AA batteries (included)
Fits in the palm of your hand
Great for travel or emergencies
Fits most cell phones
Tips for devices made by: Nokia, Sanyo, Motorola, LG, Palm Samsung, Sprint
Includes Micro/Mini USB
eBay Coupons
Loan options with thin credit history
Added on : Saturday May 26th 2012 08:51:05 PM
I'm 30, married and have a 2 year old kid. I moved to the US for work in Dec 2011. I take home about 4k/month and we are a single income family. I bought a car back in Jan and took a loan for $5170 @ 15% APR. Thats what I could manage with absolutely no credit history (buy here pay here kind of financing). Unfortunately this loan doesn't even get reported to the credit bureaus. Does no good to my already non existant credit. The mistake I made was to commit to a 6 month EMI at $917/month, in the hope of killing the loan fast.Here is the problem. My monthly expenses:
Rent - 895
Car EMI - 917
Car Insurance - 165
Utilities - 150
Cable/Internet/Phone - 135
Support dependant parents back home - 400
Living expenses (Food+Baby+Gas etc.,) - 750
CC payments back home(Min Balance) - 200Total - $ 3612/month.So I figured I should be ok. But there were a few incidentals and a medical emergency that creeped up to my CCsDebts:BOA secured card (Limit 800) - balance = $275
Capital One (Limit 500) - balance = $380CC Balance back home (no longer use these) - $ 2702 @ 47% APR (no typo here - 47%)
Personal loan back home - $3600 @6% APRSavings - 0So Far I have been paying my BOA and CO CCs in full, including this month. But this is really a tough month for me. I am starting this month with a near 0 balance after the expenses and previous CC bills. I totally see more spending on the CC. For next month I'm looking at $700 + CC bills, which is going to impact my expenses. I have 2 more EMIs left on the car.This is my situation. I am sorry about the lengthy post. But I am really looking forward to some advice and wanted to give you folks as much as relevant details to work with. I really don't have enough spending history to get any credit info from the free credit score sites. But creditkarma showed me a score of 621. No dings or late payments, but there is simply not enough in there.I spoke to DCU to refinance my car for 8K (the car is eligible for that amount). I figured that way I can kill all my high interest loans and the rest of my car loan in one shot and pay it off in smaller manageable EMIs in 24 months. I spoke to their CSR and she told that they don't deny loans to anyone ( but she sounded so uninterested that I'm having a tough time taking her word for it), though the APR may go upto 9.5% depending on the credit score. I guess I'll be in a way better situation even at that interest rate. Here are my specific questions:1. Will I be able to get this DCU loan approved with my credit history? (I don't want to apply and get denied and take a hit on my credit)
2. Is there any other institution that will approve credit for someone with a history like mine?I was really looking forward for a fresh financial start this year and not make the mistakes I made in the past. So I am open to any other suggestions/Advice you have for me to get into better shape. Thank you if you made it through this far of my rant!
3Gorillas offers the Medis Fuel Cell PowerPak Xtreme Emergency Power Kit, model no. 990095A010, for $9.99 with free shipping. This kit uses a fuel cell with 20 watt-hours of energy to provide light and charge cell phones during a power outage. It features a one fuel-cell device, 14-LED flashlight, connector tips for Nokia, mini USB, and micro USB devices, and more.
LINK
High yield savings... and yes I already did a search
Added on : Wednesday May 16th 2012 09:13:27 AM
I think I need to re-evaluate where I keep my liquid savings because 5% (pre-2008) has become 4%, has become 3%, and is now 2% (today).I know there about 1,000 of these threads (example: http://www.fullofdeals.com/forums/finance/1187685/) and I have gone to websites such as: bankrate.com and depositaccounts.com, but I feel like I these only post well-known banks - like Ally, ING, etc. that pay around .8%.Thus, simple question: I am looking for the best bank / credit union for my emergency fund (6 mo. living expenses). It needs to stay liquid, accessible with 14 days, and of course FDIC insured. Has the way this game is played passed me by or do I need to shut-up and love my 2% in today's market?
Life Gear Auto Glow CL Car Flashlight $3.97 + $2.00 Shipping
Added on : Wednesday May 16th 2012 12:24:48 AM
Yugster
LINK4 Light Modes:
LED flashlight
Glow mode with LED flashlight
Glow mode
Flasher mode
Super Bright LEDThese Auto Glow CL Car Flashlights are specially designed for use in cars. Not only can they be conveniently recharged from your car, they also have a magnetic base to help them stand on the hood or trunk of your car to alert others to your presence. They are ideal as an emergency flasher or a handy flashlight when and where you need itThe Auto Glow CL comes with a built-in Ni-MH nickel metal rechargeable battery and can be recharged using your car's cigarette lighter whenever you need it to work. To save battery life, it automatically shuts off in one hour.
Life Gear Auto Glow CL Rechargeable Car Flashlight/Emergency Flashers
Emergency flasher or a handy flashlight when and where you need it
Bright red glow stick and flasher
Auto Glow CL can be recharged in your cars lighter
Built in NI-MH Nickel Metal rechargeable battery
Magnetic base which helps it to stand up on the hood or trunk of your carWhat's In The Box?
2 Life Gear Auto Glow CL Rechargeable Car Flashlight/Emergency Flashers
AG-13 Batteries (Installed)Specifications:
6 x button cell batteries included
200 hours on flasher mode between charges
Auto off in one hour
1-Year Life Gear Warranty
http://www.giveawayoftheday.com/May 15, 2012The recovery function of the Ashampoo Undeleter is extensive and not limited to the hard disk drives of your computer. Deleted files can also be detected and recovered on external USB drives, USB flash drives and other storage media.

Be prepared for the next data emergency with Ashampoo Undeleter and be able to recover deleted files quickly.

Important functions at a glance:
Recovery of files and directories on NTFS as well as FAT 12, 16, 32 partitions;
Recovery of files on partitions with active NTFS compression;
Recovery of files on partitions with active NTFS encryption;
Recovery of alternate data streams (ADS) on NTFS partitions;
Support of all known file systems on Microsoft Windows;
Unlimited recoverable objects (files, directories);
Assessment and evaluation of the condition of recoverable objects.
Emergency Essentials - 20% off all Mountain House Pouches
Added on : Monday May 14th 2012 12:30:46 PM
Emergency Essentials - 20% off all Mountain House Pouches. I can't find these in my area at these prices. I did not get charged tax in TN so that offset the shipping charges for me and I still saved money instead of buying locally or from Mountain House's website. Copied from their site: Shipping RatesNow when you buy from Emergency Essentials, it costs you less to have your lower-priced item shipped to you! Plus, when you buy high-volume products such as year's supplies, it still costs only $12.00! Thank you for getting prepared with Emergency Essentials. Total Order Amount New Shipping Rates
Up to $60.00 $6.00
$60.01-$120.00 $9.00
$120.01 or more $12.00
Shipping based on contiguous 48 states
Additional charges for Alaska, Hawaii, APO, and FPO.
OnStar FMV price cut to $99 including installation
Added on : Tuesday May 08th 2012 12:08:45 PM
I was looking at getting one of these for my Wife's car last week and it ran $299 plus another $79 or so for installation. Now it is $99 including installation. Expect a few more $$ to actually get it installed though.Best BuyUpgrade the safety of your vehicle with Automatic Crash Response, a comprehensive safety, security, navigation and communications system, plus a live OnStar advisor 24/7 to help at the touch of a button.Find out if your vehicle is compatible. Note: This item cannot be sold in Alaska or Hawaii.
What's Included OnStar FMV Product Features Compatible with most vehicles
For wide-ranging use (OnStar service required, ranging from $18.95 to $28.90 per month. Additional fees may apply).
Automatic crash response
Via a built-in sensor that can automatically send an alert to an OnStar advisor. If you are unable to respond, the advisor can use GPS technology to pinpoint the location of your vehicle and send help.
Emergency services
Give you a priority connection to a specially trained advisor at any time, day or night.
Roadside assistance and stolen vehicle assistance
Can help lead licensed motor club carrier service providers or police to the exact GPS location of your vehicle.
Turn-by-turn GPS
Provides voice-guided driving instructions to get you to your destination.
Hands-free calling
Stay connected even without your mobile phone via a wireless service.
Bluetooth capability
Easily make and receive calls through your mobile phone.Best Buy Coupons
4-person 9-month Emergency Food Storage with Goal Zero 150 Escape Power Kit, 36 - 1 Month Chef's Banquet ARK Buckets 11,880 Total Servings. $3,199.99
After $400 OFF Shipping & Handling included.
Link
(Real Estate) Request for Ideas
Added on : Monday May 07th 2012 12:04:15 PM
Hello Everyone,I have searched for answers, but was able to find only bits and pieces of information. I do not need to be spoon fed, but would like to draw on the collective knowledge of FWF in the hope of solving my problem. Would anyone like to help me solve a puzzle?We live in California. We currently live in a townhome that we purchased in 2004. We would be content to live here as long as possible, except my wife has a movement disorder called Dystonia that has recently started getting worse. She starting to have trouble with stairs and has taken a couple of tumbles while weve lived here. We also have a 5 year old and despite our tricks to keep things organized (including garage sales, etc.) her things are taking over.Our goal is to get into a single level house with a bit more space. There are such houses just down the street that would adequately suit our needs. We would like to stay in our current area because of the schools.The subdivision is small, so the single stories do not come on the market as often as other subdivisions. The city is planning to build a large park (complete with boating, etc.) nearby and I worry that after the abandoned gravel pit is replaced by the park, well be completely priced out of those homes (if we arent already).

We are a bit underwater on our townhome. Ive considered renting it out and buying the single-story house, but given my financial picture (and the need for rental history to count incoming rent as income), I doubt that option will work. I feel my biggest hurdles are time, money, and the fact that if I sell the townhome the deal would be contingent.Walking away is not an option because Im the only bread winner and I have a family that needs a stable situation.If anyone has any suggestions on how I might be able to structure things, Id really appreciate it.Townhome Value: ~$300K
1st Mortgage: 293K balance, $1587/mo payment
2nd Mortgage: 34K balance, $779/mo paymentTaxes: $300/mo
HOA: $184/mo
Insurance: $60/moCurrent Savings/Emergency Fund: $14K
Retirement (401K, ROTH): 174K --Prefer not to touch retirementIncome: $87.4K (annual gross) + $11K (annual disability for wife) = $98.4KOur target house will cost ~$430K-$440K.
J&J First Aid Kit - 2 Pack $15 Shipped @ Woot
Added on : Sunday May 06th 2012 06:12:15 PM
http://home.woot.com/Each Kit Includes
■(6) Cleansing Wipes (5 x 7-3/4)
■(2) Gloves, Non-Sterile Disposable
■(80) Band-Aid Sheer Comfort-Flex Bandages (Assorted Sizes)
■(20) Band-Aid Knuckle & Fingertip Bandages (Assorted Sizes)
■(21) Band-Aid Plastic Comfort-Flex Bandages (Assorted Sizes)
■(1) Band-Aid Flex Fabric XL (1-3/4 x 4)
■(6) J&J RED CROSS Gauze Pads (2 x 2)
■(20) Band-Aid Butterfly Closures (1-3/4 x 3/8)
■(2) Band-Aid Sport Strip (1 x 3)
■(1) Coach Instant Cold Pack
■(1) Finger Splint
■(1) Tweezers
■(1) J&J RED CROSS Emergency Magnet
■(1) J&J Survival Wraps
■(2) NEOSPORIN Ointment (Net wt. 1/32oz)
■(1) J&J RED CROSS Burn Cooling Patch (2.6 x 1.0)
■(1) J&J First Aid Tape Roll ( x 5 yds)
■(1) First Aid Guide
■(1) Sorting Tray
■(1) Reusable Carrying Case

In the box:
■(2) Johnson & Johnson RED CROSS General 170-Piece First Aid Kits
Request -- cmh to phl next week (1 day trip)
Added on : Saturday May 05th 2012 12:00:30 AM
Do they still do cheap standby seats? I have to go to Philadelphia next week from Columbus Ohio. It's a family emergency. Also, what is the best way to get from the Airport in Philly to Temple University Hospital? Can I take the train from inside the airport? TIA.
http://www.ebay.com/itm/ws/eBayISAPI.dll?ViewItem&item=320876905...eBay Coupons
Graduating in May - Deciding on job / living arrangements
Added on : Monday April 30th 2012 09:04:06 PM
I'll be graduating in May with a degree in Marketing and Finance with 2 years of internship experience in the marketing/communications fields. I have a few good job prospects (three of which I just finished 2nd round interviews).I don't know the exact salaries being offered, but I know they are in the low to mid 40's (I'd assume 41-46k). I am from the Chicagoland area and all these positions are located in the suburbs. I grew up and my parents are still in the western suburbs. Anyways, I'm trying to figure out what to do as far as savings / living expenses. One of the positions is located about 20-25 minutes from my parents house. I already have discussed with them the possibility of living at home for a year or so. We haven't come up with a solid number, but $500/month for food/utilities/rent seemed to stick out in our discussion. This would save around $600/month if I rented by myself. The other two positions are located 50-60 minutes away, assuming traffic is flowing, if not, then 75-80 minutes each way. I wouldn't mind that commute over the summer, but in the winter, I wouldn't want to do it. I'm an active person (I run and bike a lot), so spending two hours in a car a day when I could be using that extra hour to work out seems wasted. Also, with the two other jobs, I would be incurring an extra $150/month in toll and gas expenses.I've thrown this example budget, assuming I live on my own. If I can find a roommate (which I would like to do), I would take that option, lowering my monthly expenses by around $300/month. I'm not sure what I would do with the excess income. Probably save 50% of it, and then maybe use the leftover for short-term savings. I have about $18,000 in the market/bank with no debt. Am I missing anything that stands out?
Salary 44000
Fed Tax 5512
State Tax (5%)2200
FICA (7.65%)3366
Net Income32922

MONTHLY EXPENSES
Rent 700
Utilites 150
Food 300
Gasoline 100
Cell 45
Car Insurance 110
Health Insurance 130
Emergency Fund 85
Internet/cable 50
Savings +401k 400
Entertainment / Spend250
Vacation Savings125
Total Monthly 2445

Yearly Expenses29340

Excess Income3582
Cobra Performance Radar Detector $29.99 FS @ Sears
Added on : Monday April 23rd 2012 03:25:04 AM
Speeding tickets not only carry a hefty fine, but can add points to your license and increase your insurance premiums. The Cobra SSR50 Radar Detector helps you steer clear of radar and laser guns. Front and rear lasers provide full protection against laser signals, and the audible signal strength levels provides the user with relative proximity to the target. Its also equipped with VG-2 and Spectre undetectable to provide complete immunity to VG-2 and Spectre 1 radar detector-detectors. The bright LED display provides easy recognition of which band is detected by use of band identification icons as well as unit status. On systems equipped with Safety Alert transmitters, the Safety Alert warns you of emergency vehicles and road hazards. Reg Price: $99.99
Savings: $70.00
$29.99http://www.sears.com/shc/s/p_10153_12605_SPM6296453701PSears.com Coupons
As Seen On TV Emergency Road Warning Flasher and Work Light - $5.99 with free super saver shipping
A must have for every vehicle, this multipurpose Emergency Road Warning Flash and Work Light could save your life. While from the outside it resembles a typical orange flashlight, it is actually much more. It has legs that can be quickly expanded for setting up at the roadside and a bright red flashing beacon that when turned on can be seen for a mile down the road. The legs can also be folded up and double as a flashlight with a white beam coming out of the end.
Emergency LightAmazon Coupons
http://1saleaday.com/1SaleADay Coupons
Seems like a nice idea. No batteries needed, just a crank mechanism. http://www.sunnysports.com/Catalog.aspx?op=ItemDisplay&ProductID... stormbeam dynamo deluxe flashlight&Hit=1Cheapest I found besides this price was $18.99 + 5.74 shipping from Amazon merchant.
Ultra Bright 5MM LED
NiMH Battery pack for consistent charging
LED never needs to be replaced
Built in FM radio with channel scan
Six most common cell phone charger adapters stored inside the flashlight
30 minutes of light for 1 minute of winding
3 year warranty
Great for emergencies and power outages Dynamo flashlights offer a built-in crank to recharge the flashlight, without an outside power source. One minute of manual cranking yields 30 minutes of useable light run time. The Dynamo Flashlight with FM Radio is ideal to keep up with radio broadcasts that track a developing emergency situation. The Dynamo Flashlight with FM Radio and Cell Phone Charger adds the capability of keeping cell phones in working order when the electricity goes off. Designed specifically for use during power outages and storms or other emergencies.
http://www.comcast.com/Corporate/Learn/Bundles/bundles-ned99.htm... Offers end 4/16/12. Limited to new residential customers. Not available in all areas. Minimum 2-year contract and early termination fee applies. To qualify for offer, service must be ordered via www.comcast.com. After first 12 months, monthly service charge for the Starter XF Triple Play goes to $119.99, HD Preferred XF Triple Play goes to $139.99, HD Preferred Plus XF Triple Play goes to $159.99, HD Premier XF Triple Play goes to $179.99 and HD Complete XF Triple Play goes to $219.99 for months 13-24. After promotional period, or if any service is cancelled or downgraded, regular charges apply. After 3 months, monthly service charge for SHOWTIME goes to $10.00 for months 4-12. After 12 months, or if any service is cancelled or downgraded, regular rates apply. Comcast's current monthly service charge for the Starter XF Triple Play ranges from $136.99 to $139.95, for HD Preferred XF Triple Play ranges from $159.95 to $159.99, for HD Preferred Plus XF Triple Play ranges from $179.95 to $179.99, for HD Premier XF Triple Play ranges from $204.99 to $209.95, for HD Complete XF Triple Play ranges from $234.99 to $239.95 and for SHOWTIME ranges from $10.95 to $23.95, depending on area and other Comcast services subscribed to, if any. TV and Internet service limited to a single outlet. Equipment, installation, taxes, franchise fees, the Regulatory Recovery Fee and other applicable charges (e.g., per-call or international charges) extra. May not be combined with other offers. TV: Basic service subscription required to receive other levels of service. On Demand selections subject to charge indicated at time of purchase. Not all programming available in all areas. Internet: Actual speeds vary and are not guaranteed. Not all features, including Constant Guard Protection Suite, are available with Macintosh systems. For details about Constant Guard for MAC, visit xfinity.com/CGMAC. Voice: $29.95 activation fee may apply. Service (including 911/emergency services) may not function after an extended power outage. Based upon August 2010 analysis of traditional phone service by Tektronix. Visa Prepaid Card offers require activation of Comcast services within 30 days from order date and maintenance of account in good standing for 90 days. Card mailed within 16 weeks from completed installation. Cards issued by Citibank, N.A. pursuant to a license from Visa U.S.A. Inc. and managed by Citi Prepaid Services. Cards will not have cash access and can be used everywhere Visa debit cards are accepted. Not available to Comcast employees or their family members. 30-Day Money-Back Guarantee applies to one month's recurring charges and standard installation up to $500. Call for restrictions and complete details. 2012 Comcast. All rights reserved. Norton is a registered mark of Symantec Corporation. IDENTITY GUARD and associated logos are trademarks or federally registered trademarks of Intersections Inc. CONSTANT GUARD and associated logos are trademarks or federally registered trademarks of Comcast Corporation.
Tonight I was researching shower radios and it appeared not only from the "best of" sites and the Amazon reviews that the Sangean H201 Shower AM FM Radio is the one to get. The next best deal I could find was for $64.88 shipped. While most are just water resistant, this is waterproof and actually floats. Click the above links to get to where you need to go. These are brand new/non-refurbished units that offer:* Built-in AM/FM antenna with PLL digital tuning
* 10 station presets and auto seek function
* Water resistant up to JIS7 standard (which is waterproof).
* Large, easy-to-read backlit LCD
* Easy-to-apply bracket and hanger
* Emergency LED illumination (Torch flashlight)
* Emergency buzzer
* Large and easy to read LCD display
* Battery power indicator
* Waterproof Radio
* 10 station presets (5 FM, 5 AM)They say the sound is great even at full volume and hopefully the radio will give my kids the energy they need in the morning and the timer will help get them to school on time--not to mention save me money (60 minute showers....WHAT?)!eBay Coupons
Sangean H201 AM/FM Digital Shower Radio $47.99 plus free shipping!
Added on : Friday April 06th 2012 12:10:19 PM
Tonight I was researching shower radios and it appeared not only from the "best of" sites and the Amazon reviews that the Sangean H201 Shower AM FM Radio is the one to get. The next best deal I could find was for $64.88 shipped. While most are just water resistant, this is waterproof and actually floats. Click the above links to get to where you need to go. These are brand new/non-refurbished units that offer:* Built-in AM/FM antenna with PLL digital tuning
* 10 station presets and auto seek function
* Water resistant up to JIS7 standard (which is waterproof).
* Large, easy-to-read backlit LCD
* Easy-to-apply bracket and hanger
* Emergency LED illumination (Torch flashlight)
* Emergency buzzer
* Large and easy to read LCD display
* Battery power indicator
* Waterproof Radio
* 10 station presets (5 FM, 5 AM)They say the sound is great even at full volume and hopefully the radio will give my kids the energy they need in the morning and the timer will help get them to school on time--not to mention save me money (60 minute showers....WHAT?)!eBay Coupons
10-Pack Emergency Mylar Thermal Blankets $8 at Amazon + FS
Added on : Friday April 06th 2012 03:14:01 AM
Amazon with IBrn Distributors has the 10-Pack 64" x 74" Emergency Mylar Thermal Blankets for $8 with free shipping. This disposable rescue blanket keeps in body heat and preserves body temperature in emergency situations. The 10-pack 52" x 84" Emergency Thermal Blankets are also $8 shipped.LINKAmazon Coupons
Article on Health Care Math
Added on : Monday April 02nd 2012 12:10:34 AM
The bizarre calculus of emergency room chargesI know many on FWF have high deductible health plans.
The premise of the article is that patients are better off claiming to be uninsured. and negotiating cash instead of using the insurer's negotiated rates. Is this only for emergency care, or can regular care be negotiated as well?
ira distribution/contribution question
Added on : Thursday March 29th 2012 03:10:21 AM
i had to raid my ira last year for some emergency home repairs and paid taxes and penalty on a portion. Made a 6k max contribution in 2012 for 2011 in order to minimize tax obligations, but really need a portion of it for cash flow purposes.
I will be eligible for normal distribution (59 1/2) in a month or so. Can I begin taking distributions shortly even though I will continue to make contributions in the future?
Mortgage Refi vs. Paying CC debt down?
Added on : Thursday March 29th 2012 03:09:57 AM
I am looking for some advice on the best course of action on whether I should try to refinance. Currently, I have approximately $55k in CC debt, all at 0% via various BT offers. I am whittling this down at roughly $2k/month, and hope to be CC debt free within the next 2 years.Because I am extremely focused on paying CC debt down, I only have a small (1 month) emergency fund, and currently do not have anything for savings - my 401k was liquidated last year to help with the enormous CC debt I was in. (It was a bad move - mea cupla)I am currently 4 years into a 30 year fixed mortgage at 5.875% with a local credit union. I put down 10% and have approximately 250k left on the mortgage. I plan on staying in my house for at least the next 10+ years, we have done a lot of renovation and general fix-ups so no plans to leave anytime soon. We also have a $26k HELOC. Currently value of the house (according to Zillow which I understand is questionable is around $250k - same as what we owe.)My credit union seems very conservative and does not seem to be able to offer any sort of no/low cost refi.Can anyone recommend whether I should:a. Try another bank to see if a refi would be worth my while (if so, which bank?) Especially after closing costs - probably in the neighborhood of $3-4k.
b. Don't worry about refi - just keep paying CC debt down for now.FWIW my credit score is decent - low 700s.
College Grad - Save vs Debt Paydown?
Added on : Saturday March 24th 2012 06:03:24 PM
I graduated college a little under two years ago. I'm currently working and earning around 48,000 pretax before bonus.Living with my fiance and my portion of rent, utiliites and my personal bills/loans are around $1800 monthly.Take home is around $1250 every other week after deductions.I am at a loss as to what I should be doing financially. Should I be saving more for an emergency fund, retirement or knocking down my student loans?
Liabilities:
28,000 Student loans balance, rates between 2.11-6.35, rough weight average of 5.8, 8.5 years to go
7,600 Car Loan balance @ 2.49% for 3 years, a little over two years to goAssets:
10,000 401k @ 6%, contributing up to the match
1,300 Former employer 401k -> IRA
4,500 Savings AccountThanks!
Arai RX-Q Motorcycle Helmet -Gothic M,L, XL $349.99 FS
Added on : Saturday March 24th 2012 12:08:27 AM
Link
Information and Details about the Arai RX-Q Gothic Helmets
made by Arai
The brand new RX-Q. Purpose-built to be the "Ultimate Street Helmet." A new benchmark in comfort, quiet, stability and ventilation in a street helmet. The helmet you'd build if you wanted to treat yourself to a dream. Every feature optimized for the conditions, speeds and environment of the real world. A helmet for others' top-of-the-line models to envy.

Even the name tells you it's special. To anyone familiar with Arai's model lineage, the RX prefix is well-known. It began with the original X-7 back in 1979, evolving a few years later into the iconic RX-7 model that effectively changed the face, literally and figuratively, of helmet design.

Specifically created to be a cut above the others - even Arai's own. It's not a new street helmet by default, as in We need a new street helmet, it's a new street helmet by design, as in We need something nobody's ever done before. Arai applied the same tireless 24-7 focus usually reserved for race helmets to designing it. Refining and adapting proven concepts to a new purpose. As a result, the new RX-Q is aimed at the experienced street rider. One who can readily feel and appreciate the differences built into this amazing new Arai helmet, who reels off mega-miles no matter which way the road bends, and on every kind of bike.

Shell:
Smaller, more aerodynamic hand-formed natural shell shape and size adds stability in straight lines and during head-checks and looks better on your head than larger balloon-style shell helmets

Uniquely-designed Hyper Ridge circles the shell bottom to improve strength, aerodynamics and lower the center of gravity for a lighter feeling on your head

Ventilation: The vents have been refined to be extremely efficient, flowing huge volumes of air through the interior at road speeds

Not a lot of vent holes - just the right ones, in the right size, in the right place

The faceshield brow vents redirect incoming air to the temples instead of the forehead, and around the ear area. The airflow over the temple artery reportedly also helps cool the blood flow to the brain area

New more aerodynamic upper and side exhaust vent cowling, sculpted to enhance stability while increasing exhaust efficiency at street riding speeds

Shield: The RX-Q uses the same wider-eyeport SAI faceshield as the Corsair-V, 5mm wider on each side, for better visibility and awareness of the world around you

Interior: Intermediate Oval Fit Truly unique, newly-sculpted cheekpad shape cradles the head from underneath for a level of comfort and security that needs to be felt to be believed, allowing for more of a "comfort fit" than the typical "pressure fit" of most helmets

New cheekpad design blocks more noise from entering. This, combined with new sound-deadening foam in the ear pocket allows the RX-Q to be very, very quiet

Removable neckroll and Emergency Cheekpad Removal System New one-piece bottom edge trim gives an incredibly clean look by eliminating the need for seams

Certifications/Warranty: Snell 2010 and D.O.T. Approved Use Arai's Suggested Size and Shape Chart to select the best fit.
Eton fr300 emergency radio $10.92 Lowes BM YMMV
Added on : Tuesday March 20th 2012 03:30:28 AM
New to the forum so take it easy on me.
Picked up a American Red Cross Eton FR300 weather emergency radio on clearence for $10.92. They were located in the checkout lane. Best price I found online is $38. This was bm so YMMV. The Lowes in south tampa had at least 5 of them. They have the old tv1 and tv2, am, fm, weather.
Good luck. I hope was i able to help someone like you all have helped me thru the years.Lowe's Coupons
Does it strike anyone else as a little odd that no one noticed over a 13 year period that the man wasn't a woman:Californias Orange County Register: SAN CLEMENTE Sheriff's Department officials have arrested a homeless man suspected of stealing a South County woman's identity and using it to get hundreds of thousands of dollars worth of medical care.Authorities believe that Perla Serrano, 51, over a 13-year period used a woman's identity to receive medical treatment at the Mission Hospital campuses in Laguna Beach and Mission Viejo, as well as San Clemente Hospital, said Jim Amormino, an Orange County Sheriff's Department spokesman....the deputy determined Serrano had stolen the woman's identity, Amormino said, and that he had used it on trips to local emergency rooms, where he received hundreds of thousands of dollars worth of medical care. It wasn't immediately clear how he had obtained the woman's information. Entire article : here
Coleman Expedition First Aid Kit $19 at Amazon
Added on : Wednesday March 14th 2012 03:18:24 PM
Amazon has the Coleman Expedition First Aid Kit for $19 with free shipping on $25+. Features 200 pieces organized into 6 categories, includes bandages, wound cleaning supplies, essential tools and emergency medications. REI has it for the same price with free in-store pickup.LinkAmazon Coupons
Unlock ATT iPhone 4s on 5.0.1-GEVEY ultra S for $59.99
Added on : Tuesday March 13th 2012 06:24:25 AM
http://www.applenberry.com/store/gevey-sim/gevey-ultra-sGEVEY Ultra S for GSM iPhone 4S
GEVEY True Plug-and-Play Unlocking SIM Interposer
No Need to Dial International Emergency Number 112
Untethered Unlock with no Jailbreak Required
Compatible with all GSM iPhone 4S SIM Cards(Does not work on CDMA iPhone)
Complete Unlock with all 2G and 3G data services
No SIM Card Cutting or Physical Modifications
Works on iOS 5.0, 5.0.1
Works on Baseband 1.0.11, 1.013, 1.0.14
Guaranteed Better Reception than Previous
Decreased Power ConsumptionVerified by folks at iclarified
http://m.iclarified.com/entry/index.php?enid=20566
Receive a FREE Auto Escape Hammer (freebizmag.com)
Added on : Tuesday March 13th 2012 06:14:37 AM
Receive a FREE Auto Escape Hammer!

Click here to find out how to get your FREE Auto Escape Hammer, plus see what business magazines you could receive absolutely free!In an accident your windows might lose power and seatbelts can become jammed. This emergency tool has 2 heavy steel heads to break side window glass and a seatbelt cutter to free you from the vehicle. Includes mounting bracket.

NO Purchase Necessary | NO Credit Card Required

Please respond by March 20, 2012.
Quantities are limited
Link
Product Info

A survival necessity with 11 different tools in one stainless steel pocket sized device, the Multi-Purpose Tool has everything you need to survive in an emergency. Included are a knife edge, multiple wrenches, a can opener, ruler and many other useful functions. Stored in a convenient storage pouch, you can carry the 11-in-1 Survival Tool with you and be prepared. http://1saleaday.com/flash/lt-2049t/

Specs

Condition: NEW
Packaging: Bulk
Manufacturer: Ace

Features Include:
Can opener
Knife edge
Screwdriver
Ruler
Cap opener
4-position wrench
Butterfly wrench
Saw blade
Direction ancillary indication
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Key ring hole
Convenient pouch

Package Includes:
Multi-Purpose 11-in-1 Stainless Steel Pocket Survival Tool

*Please allow up to 7 business days for your order to ship1SaleADay Coupons
Financial Planning - what else other than 401k?
Added on : Wednesday March 07th 2012 12:26:22 AM
Hello all,
A newbie here to FW. Been lurking. SO and I have diligently followed general financial advises, but felt that we could use some professional help. We are maxing out our 401k, saved up an emergency fund, no loan except mortgage. We started looking into CFP's, and their fees seem steep (account minimum of $500k with 1.5% fee). We are basically looking for advice on where we should place our money - rental property, mutual funds, or even maybe oil and gas drilling investment. We are in high income tax bracket and pay AMT yearly, so the goal is to defer income as much as possible.
Maybe we should talk to a CPA for tax planning instead? Does anyone find CFP's helpful?
Thanks!
Law office Garnish my security Box?
Added on : Monday March 05th 2012 09:34:55 PM
I have a security box at a bank which was given for free through one of my accounts.
I have my wife and my mother in law's name to access it in case of emergency.
Their names are not on my bank account just on the box for access.
None of the items in the box is hers.
She has only accessed the box (sign the sign in card) one time when I first opened the box.
She has no money and is elderlyApparently my mother-in-law owes about 1,800 to a law office.
I received a letter stating that my security box is restricted.
I have not tried to access it because I am not in that city.I thought I removed her name from the box a while back but apparently not.Question? What happens if she does not pay them?
Is there anything I can do?
I am looking for advice from experts about 1099. Let me see if I can put in my thoughts in a manner that will make sense (this being my first post and too many questions being on my mind related to 1099).I was working on W2 until mid of last year and was earning 95K (no benefits though, other than health insurance). There was no paid vacation or paid sick days and I didn't put anything in 401K (although it was available but didn't take the advantage as I was more in need of cash due to personal issues). I did not put any money in IRA (Reg or Roth) as I was saving money to buy my first house. Second half of last year, I switched to 1099 and it's been six months now. Here are some of my questions and would greatly appreciate the response. Here are some of the questions that I have on my mind:The project will probably go until the end of this year and my extend to next year (for may be first Qtr).
1) Is it a bad idea to be on 1099 for more than a year from IRS/Tax perspective?
- If yes, should I open up LLC and be the employee of my company? The advantage would be to have my wife employed through the company. Are there other cost/expense advantage/disadvantage in opening up LLC?
- If no, how can I maximize my savings on 1099? I maxed out ROTH IRA for last year (2011 tax year with contribution for myself and my wife). I am planning on maxing out ROTH IRA for this year for both of us. Since no 401K on 1099, I want to put money in SEP account for last year (where I only made some 35K on 1099) as well as for this year (which should be significant based on my 2012 income, which I expect it to be close to or over 120K). Is there anything else I can put my money in to to save more on taxes?
2) Will it be better to have regular IRA instead of ROTH as regular IRA will be pre-tax and I will pay less in taxes?
3) Is it a bad idea to think about putting money in IRA/SEP account considering I don't have too much money in regular savings? I don't have any credit card debt, one car (2007 year model) and is all paid off in year 2010. I do have money for emergency (2K) but not the money in savings that will help me go by for six month in case I lose my job. Of course the plan is to work on it after maxing out the SEP for last year and before putting anything in to ROTH/SEP for 2012.
4) How much % I will pay in taxes on 1099? I am a consultant and can join the consulting company on W2 (client will remain the same) but not sure what should I ask to have a better hand than what I get on 1099.As far as my monthly expenses go, I have mtg of 1.6K, bills of 500 and food and other misc. expense of about 800 every month. After factoring taxes (estimated) for the month (not sure what it will be, but for the sake of argument lets assume it will be 30%), I will still have some 3K in hand.Anything else that I am missing. Please feel free to add/ask question(s).Sorry for the rambling and thanks for your time in reading it and replying with your questions/suggestions.
Help rolling (2) 401k accounts into IRA
Added on : Tuesday February 28th 2012 03:21:34 PM
Hi,I have two 401k accounts. One is with my ex-wife's company (who she is no longer with), the other is with my former employer. Fidelity and Hewitt are the companies that hold the accounts. I am looking for the best IRA to roll them into. I have very little knowledge of IRAs and desperately need the guidance. There is no time limit on how long the 401k accounts can remain active as far as I know. I am 36 yrs old and want something stable with good growth and little penalty if there is a need to withdraw some emergency funds down the road. I do not anticipate the need to withdraw anything but would like the option if it is feasible. I much prefer a higher rate of return if there has to be a choice between rate and withdrawal ease. I briefly spoke with an adviser at my local bank branch and we came up with a Roth IRA Annuity. It looked like the best stable option with a guaranteed, somewhat-high rate of return and about 7-10% yearly withdrawal without penalty. All suggestions are welcome!
An Unbeatable Two-day Sale
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http://1saleaday.com/family/1SaleADay Coupons
IllumiNite 4-LED Emergency Light - $5.99 w/FSSS
Added on : Thursday February 23rd 2012 09:38:51 AM
Hunter 45180 IllumiNite 4-LED Emergency Light - $5.99 with free super saver shipping
Power failure light from existing light source....where you expect it. Use daily as night light, flashlight or power failure light solution. 4 Super Brite LEDs: safer, brighter, and more convenient than candles or flashlights. Photocell automatically turns lights ON when dark/OFF when light. Built-in rechargeable batteries are always charged and ready for use: provide up to 16 hrs of light.
Emergency LightAmazon Coupons
CE Tech LED 8-Function Warning Light
Pick Up In Store Price : $1.98
Shipping To Address : $9.88Model # 011-066-CET
Internet # 202851365
Store SKU # 397693Search item No.811187016728Use the Iron Bridge CE Tech LED 8-Function Warning Light as a flashlight or warning sign during an emergency. The light features 16 bright LED bulbs with emergency flashers that provide up to 5 hours of light. It is compact and easy to store for use in your car or office. The light includes 2 AAA batteries so you can start using it right away.Can be used as a flashlight or warning sign
16 bright LED bulbs with emergency flashers
Plastic construction for durability
Provides up to 5 hours of light with 2 AAA batteries
Compact and easy to store for use in your car or office
Includes 2 AAA batteries
MFG Brand Name : CE Tech
MFG Model # : 011-066-CET
MFG Part # : 011-066-CETThe Home Depot Coupons
Lunetta 6.6 CREE XRE LED Flashlight by Phoebus $113 FS
Added on : Monday February 20th 2012 09:45:55 AM
Lunetta 6.6 CREE XRE LED Flashlight by Phoebus $113 FSwas $189http://www.gearhog.com/Features
3 CREE XRE LEDs.
110 volt charger and three 3.7 volt Lithium Ion batteries included.
3 hours at 100% or 10 hours at 25% per charge.
Aircraft grade aluminum bezel and body.
Matt black anodized finish.
Four position tail switch activates the flashlight at 100%, and 25% intensities and a strobing mode for emergency signaling and defense.
new college grad? help with lowering expenses?
Added on : Friday February 17th 2012 12:26:19 AM
I'm a new college graduate, and am looking for some advice on how to cut my expenses and better allocate my debt.Debt:Private Student Loan - 32k @ 2.75%
Sub'ed & Ubsub'ed Stafford Loans - 30k'ish @ 6%. All my federal loans are in IBR, so I'm not too worried about them.
Credit Card Debt - 25k - currently on 0% BT. I actually transferred one of my higher student loan at 7.9% to this, so I could get a better rate with 0% BT's. All this debt is currently under my dad's name, as he has better credit than I do, and has a better chance of repeated 0% BT's.
Car Loan - 12k @ 3.9%
Parent Loan to me - 28k @ 0% - they said I can pay them back whenever, so that's on the bottom on my list, priority wise.Asset: 8k emergency fundTake Home Pay: $2600/monthExpenses:Rent: $500
car payment: $300
Cell Phone: $58
Private Student Loan: $241
Car Insurance: $75
All Federal Student Loans: $46
CC BT: $462
Gas: $150
Food: $300That leaves me about $768 a month in discretionary income. I've looked at my expenses line by line, and I don't really think there is much to cut. I don't pay utilities as that's included in my rent.Questions:
1) Since my federal student loans on are IBR, Uncle Sam is paying some of my interest for my subsidized loans for 36 months after graduation. I'm going to use this as much as I can to my advantage. Is there any downsides to this that I may have missed?
2) I've allocated approximately $10 a day for food. Is that excessive?
3) If I took 5k of that 8k to pay down a loan, which one is best?
Any advice would be great, and I would be able to provide any further information!
Maglite XL50 3-cell AAA LED flashlight for $23.98 dealtwist.com
Added on : Tuesday February 14th 2012 12:47:28 PM
Introducing the Maglite XL50 3-cell AAA LED flashlight. The Maglite LED XL50 flashlight, with its compact, pocket-size design and adjustable LED spot-to-flood beam, features a rear push-button tail cap switch coupled with three modes: high power, 25% energy save power, and emergency strobe. This flashlight has an impact-resistant and durable aluminum casing that helps keep it protected. With Intelligent Energy Source Management, the brightness and effective power usage is continuously monitored, allowing for prolonged battery life. Uses three AAA alkaline batteries (included).99 cents shippingdealtwist.com
pay student loans with my savings?
Added on : Sunday February 12th 2012 03:21:51 AM
I have an emergency fund of 11K. I owe two portion of student loans8K and 5.5K both at 6.8%. I'm thinking about paying off either the 5.5K one or the 8K one. Should I keep my emergency fund the way it is or pay off one of the loans?
Linked5 tools and a keychain, not the lowest price ever, however, not a bad deal.Micro-Pro 7-in-1This solid stainless steel, multi-function micro-tool incorporates a patented, quick-release, self-locking mechanism. Precise engineering allows fast, easy removal from your key ring as well as fast, easy and completely secure reattachment. 1/4-Inch Rule
Pliers
Sheet Shear
Wire Cutter
Wire Stripper
2 Screwdrivers
Utili-Key 6-in-1The Utili-Key offers a patented quick release mechanism that easily and securely locks onto key rings and releases quickly, for handy everyday use. It fits conveniently into pocket, bag or backpack to be readily available for hundreds of quick indoor, outdoor or emergency repairs and installations. Flat Screwdriver
Micro Eyeglass Screwdriver
Bottle Opener
Serrated Knife Blade
Straight Knife Blade
Phillips Screwdriver
Micro-Plus EX 9-in-1This solid stainless steel tool set, with its patented, quick-release and self-locking mechanism folds out into 9 different professional-grade tools. Precise engineering allows fast, easy removal from the key ring and fast easy completely secure reattachment. Pliers
Wire Cutter
Wire Stripper
Wire Crimper
Bottle Opener
Utili-Key MX 5-in-1This new, key shaped, exceptionally lightweight Utili-Key MX 5-in-1 offers stainless steel tools and an amazingly bright LED flashlight with pushbutton control. The unique swivel key ring helps prevent twisting and binding for added convenience. LED Flashlight
Straight Knife Blade
Serrated Knife Blade
Screwdriver
Quick Disconnect Key Ring
Key Chain LED FlashlightSwiss+Tech Brand tools have for many years forged a strong reputation for precision crafted, high quality, extremely durable designs. Key Chain LED Flashlight with Bottle Opener offers all that and more. Bright LED Flashlight Bottle Opener
Non-Binding, Swivel-Action Key Chain
Pushbutton control turns off automatically upon release to save batteriesAmazon Coupons
I've been reading its a bad idea to use your 401k has a downpayment. But when I ran the numbers, it didn't seem that bad if it can avoid PMI costs...My company's 401k home loan structure:
- 3.25% rate, up to 20yrs repay
- $50 fee and no maintenance fee and no early payment penalty
- if you leave the company, you can continue to pay the loan monthly until loan is paid off
- you can contribute & get company matching while paying back loanHome Price: $400kPersonal:$40k cash downpayment, $15k in emergency fund, $40k 401k downpaymentPMI Option / 10% down
Loan: $360k
Rate: 3.8% 30 yr
Total interest paid: $244k (will compare below)
Mortgage monthly: $1.7k (will compare below)
PMI monthly: $150
Total PMI cost: $10k (assume takes 5.5yrs to pay it off)
Or PMI Preminum: $5k (one time fee instead of paying monthly)
Total Monthly: $1.85k (PMI + Mortage monthly)401k Option / 20% Down
Loan: $320k
Rate: 3.8% 30yr
Total interest paid: $217k (-$27k dif)
Total PMI cost: $0 (-$5k - $10k dif)
Mortage monthly: $1.5k (-$200 dif)
PMI monthly: $0
401k repay monthly: $210
Total Monthly: $1.71k (-$140 dif) Potential loses from borrowing $40k NOW in my 401k
Vanguard 401k Borrow Calculator
Avgr annual return @ 10%: -$120k after 20 yrs
Avgr annual return @ 8% : -$63k after 20 yrs
Avgr annual return @ 6% : -$27k after 20 yrs
Avgr annual return @ 4% : -$6k after 20 yrs
- if we assume inflation after 20 years is 50%+ (last 20 years were 60%+)
Avgr annual return @ 10%: -$80K of current money
Avgr annual return @ 8% : -$39k of current money
Avgr annual return @ 6% : -$18k of current money
Avgr annual return @ 4% : -$4k of current moneyPotential savings from having 20% downpayment / NO PMI
After life of loan (30yr):
Interested Saved: $27k
Avoiding PMI: $5k - $10k
Total Savings: $32k - $37k
If the avgr annual return on my 401k does not go over ~6.5% or 8% including inflation, then it will be worth to borrow.Optional: Investing the $140 of saved monthly cost into some investment
Simple Savings Calculator
Initial Amount: $140
Monthly Deposit: $140
Annual interest: 3%
Number of Years: 20
Interest gained: $13k (helps aleviate the potential losses in my 401k returns)
What you guys think?
Free Emergency Purified Drinking Water Pack
Added on : Wednesday February 08th 2012 06:29:41 PM
http://www.mre-depot.com/
want to buy new home but what to do with first.......
Added on : Wednesday February 08th 2012 06:21:49 PM
Here is my situation and there are multiple things can be done but looking for some helpful suggestions/remarks from community to make my decision better.Currently i live in a decent house (@1700 sq. ft build in 1993) in a nice neighborhood as well as city. Everything is very near by (malls, grocesary stores, emergency hospital, library, parks, school , post office etc). I have @105K mortgage left and if i sell right now i can get about 145K to 150K. I pay about $1100.00 in mortgage every month.Overtime family has grown and house is kind of getting smaller for needs. There is brand new community being build about 3 miles from current place. Has about 3000sq ft of space and has basement (which i always wanted). It is great house in great community and cost about 290K (with 30K down, mortgage could be around $1500). Builder is throwing basement for free and giving about 20K in upgrades. I have asked him to bring down to 270K plus extra but he is not budging but ready to give me about 20K extra in upgrades.So while i am still thinking about buying second home and renting first one (real estate agent says she can rent in two months and she is so sure). I asked my community and they said i have to get permission to get my house rented. All permission for this year(2012) is gone and there is already waiting list. I can't rent without their permission otherwise community can sue me.I make decent money (about 6K/month after taxes) but can't support two mortgage's for long time so under this situation what should i do?1) Sell first house and just move on.....
2) Buy second house and wait for permission (max 12 months) and if doesn't happen sell it
3) Buy second house and refinance first for 3o years (if i get 0 closing cost) so first house mortgage reduces to $500 something. Please suggest some ideas or tips which can help me buy second house and rent first one.Thanks.
PJD
Long-term taxable investment advice for Child
Added on : Tuesday February 07th 2012 03:27:13 PM
I'm just looking for some advice here..I have been married for about 6 months, I'm 28.. She's 25. No children. Have owned a house for 2 years, we have stable jobs with benefits (Around $75K pre-tax).I have roughly 30K in my 401K, and 10K in my Roth. She is just starting out hers, she has $1300 in a 403B, and $1100 in a Roth IRA. We are contributing a good amount towards all of them. We have roughly $15000 in our emergency fund.No real debt other than the house & her 40K in student loans, which I am developing a plan to pay-off the student loans. They are a thorn in my side, but easy to handle.Onto the real question, I have started an Iowa 529 Plan with $50/mo where she is listed as the beneficiary for now, it will eventually go to our child. We plan to increase that $/mo after the child is born. Thinking even further ahead, I want my child to have the cash to buy a decent used car ($4000-$7000) when he/she turns 16. I see most domestic & international index funds require an upfront of $1500-$3000 to get into, with Vanguard & Fidelity. I wanted to start small at 0, we're talking like $15/mo for 20 years here, maybe $20. I need to avoid any trade fees by setting up automatic investments that are going to be below the fund minimum.What are my best options to start from $0 and gradually dump money into a long-term taxable investment? ETrade, Sharebuilder? What other types should I consider, dividend funds?
Free today only Kindle book: Success Is Not an Accident
Added on : Sunday February 05th 2012 06:54:30 AM
LinkProduct Description
Tommy Newberry's best-selling Success Is Not an Accident (self-published in 1999) has helped over 100,000 readers achieve higher levels of success in both their personal and professional lives. Reminiscent of best-selling authors Stephen Covey and John Maxwell, Newberry teaches readers the power of goal setting, time management, visualization, and self-talk so they can achieve peak levels of performance in all areas of their lives.About the Author
Tommy Newberry is the founder and head coach of The 1% Club, an organization dedicated to helping entrepreneurs and their families maximize their full potential. As a pioneer in the life-coaching field since 1991, he has equipped business leaders in more than thirty industries to work less, earn more, and enjoy greater satisfaction with the right accomplishments.
An avid goal setter, Tommy has earned certification as an emergency medical technician and PADI rescue diver. He has also earned a black belt in the Korean martial art of choi kwang do. Tommy lives in Atlanta with his wife, Kristin, and their three boys.Amazon Coupons
Wife lost job, new baby, need stay at home job ideas
Added on : Thursday February 02nd 2012 03:15:49 PM
My wife just lost her job that she has worked at for the past nine years, 4 months after the baby was born. As we are pursuing options regarding the legality of this event we are also trying to figure out what she can do to stay at home with our new baby, as that is her ultimate desire. We live a pretty frugal life already so there is not much to cut out of the budget. With her not working we are short about $1200 a month. We have a savings to make up the difference for up to six months (without touching our emergency fund)but we would like to keep our savings intact.We were initially thinking in home day care, but after reading the recent thread on the liabilities involved we are a little hesitant to pursue that route. She does have her BS in Health and Exercise Science but we are at a loss at what she can use that for while taking care of our child.TIA
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Life Gear Auto Glow CL Rechargeable Car Flashlight/Emergency Flashers
Emergency flasher or a handy flashlight when and where you need it
Bright red glow stick and flasher
Auto Glow CL can be recharged in your cars lighter
Built in NI-MH Nickel Metal rechargeable battery
Magnetic base which helps it to stand up on the hood or trunk of your car
4 Light Modes:
LED flashlight
Glow mode with LED flashlight
Glow mode
Flasher mode
Super Bright LED
60-Day Yugster WarrantyWhat's In The Box? Life Gear Auto Glow CL Rechargeable Car Flashlight/Emergency Flashers
AG-13 Batteries (Installed)Specifications: 3 x button cell batteries included
200 hours on flasher mode between charges
Auto off in one hourLink
Student Loan Payoff
Added on : Sunday January 29th 2012 03:23:05 PM
I just graduated with ~$120k student loan debt and a decent income at just over $100k. I'm looking for a little help on how to attack my student loans.First, I'm not a fan of the snowball approach. The math works out better to simply attack the highest interest debt first without regard to amount.Next, I've created a budget that leaves $100 at the end of the month above and beyond all expenses (food, rent, as much as possible towards debt, entertainment, etc.) My "emergency fund" while I'm paying down this massive debt is my $30k credit limit. Is there any problem with this approach, or is the 3 months salary emergency savings an absolute must?I have a credit card with $3k balance at 29.99% (paying this off first)
I just refinanced my car from 9.71% with 48 months left to 1.99% with 48 months left....going to just pay minimum each month on this.Other than those, my only debt is ~$120k in student loans with minimal amounts at 8.25% and 7.25% and the vast majority at 6.8%.
I'm 24. Does the math support attacking the debt while contributing to employer match of 401k, or does the math support maxing 401k and Roth IRA since I'm so young? I believe at my income, student loan interest deductions will be minimal if any.
Please help with our retirement planning
Added on : Saturday January 28th 2012 12:17:14 PM
This post is in reference to a new Roth 401K option that will be in place for us very soon and whether it would be wise to utilize it based on our situation.A little background first:We have the same employer, I am in my early 30s and she's in mid 20s. Our combined household income is ~$175K/yr. We are currently contributing the max allowable to the following: 2x Roth IRAs, 2x 401Ks, and a single HSA (one family HDHP). We are also contributing to a College Investment Plan for our 4 months old (though only up to the max for state deduction purpose) at a lower level basically because we do not believe in fully funding our child's education as both of us relied on loans, grants, and scholarships ALL under our own names (personal choice that we want our child to take responsibility for his own education/future, so please no comments on this). Anyway, we have no outstanding balances on any credit cards nor loans (own 2 vehicles outright, spending well under our means) and have a 12 months liquid emergency saving. We live frugal, but quite comfortable with nice vacations (so it's not like we're depriving ourselves). We currently do not own a home though we are in the process of looking. We have at least 20% saved up (in additions to the the emergency saving) and have credit scores in the 760 and 800, so getting a mortgage should not be an issue. My que