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g: 4 Posted By: remick
Views: 344 Replies: 0 http://www.amazon.com/gp/product/B00KWOQ2WE

4.9 out of 5 stars (17 customer reviews)

SCARED OF LIFE? YOU SHOULDNT BE! LEARN HOW POWERFUL YOUR MIND IS.

This book reveals the crippling effects that fear has on you and shows you how to crush them.
Fear is everywhere around us, dictating its requirements to us. We are scared of death, birth, success, failure, weight gain, sickness the list goes on. And what are we happy about? Well being alive, working (maybe), enjoying good health (maybe), savoring a mutually beneficial relationship (maybe), etc. So many maybe on the happy side, and so many certainties on the fear side Let us help you change that equation!

The book contains a helpful Discussion Guide and a sample chapter of sequel 98 Powerful Affirmations to Awake the Inner, Happier You The Complete Law of Happiness, But Simplified. Through thought-provoking questions, the book gives extensive advice on how to use the discussion guide, how to inform decisions related to the topics at hand, and how to best read it alone, in reading groups, with your partner, or as part of learning activities, among others.


In this book, you will discover many things, including:
Identify, mitigate, manage or destroy any fear;
Boost your self-esteem; and
Achieve success faster by unleashing your personal potential.

Who will benefit from this book?:
Everyone particularly people who are currently coping with childhood trauma or lifelong phobias, working in the mental-health field, struggling with public speaking, and feeling stuck in their careers or relationships.



also free

Life Coach: Personality Development: A Good Book' Packed with Self Improvement Techniques To Immediately Build Your Confidence & Self Esteem
http://www.amazon.com/gp/product/B00JDMMAP4

Do you want to have more control over your life? Do you want to become more self-aware and more successful at solving your personal problems? Do you want to feel more confident?
If you do, then you should read this remarkable book. Its simple and straightforward. It encourages everyone to take responsibility for themselves and shows how this can be done. Case histories are included, and advice is given on how behaviour patterns can be changed with thought, effort and practice.



When Wisdom Whispers: The Art of Following Your Heart to a Life You Love
http://www.amazon.com/When-Wisdom-Whispers-Following-Heart-ebook...
4.7 out of 5 stars (7 customer reviews)

Let me ask you something:
On a scale from 1-100, how skilled are you at making decisions?
Choices are your lifeblood: they represent the difference between your success story...and just another sob story.
Do you have the happiness and success you desire?
If not, then look no further than your own choices. Instead of making purely "logical" decisions like most people, I want to show you a better way.
When Wisdom Whispers is a beautiful book that talks about the reality of decision making, and how the best choices always come from the heart.
Although very informative, this book is also poetically riveting. You will be on the edge of your seat...you will laugh...you will cry...you will be uplifted, refreshed, and inspired!
The concepts covered in this book are absolutely crucial to living a fulfilling life. Following your heart is no joke. It's not a fantasy. It's not a nicety.
It's REAL. And to show you how real it is, I have included three very serious and incredible stories from my own life that demonstrate just how mysteriously powerful the human heart really is.



Success and Happiness - Quotes to Motivate Inspire & Live by
http://www.amazon.com/Success-Happiness-Quotes-Motivate-Inspire-...
4.4 out of 5 stars (43 customer reviews)

Motivational quotes to follow your conscience. Inspirational quotes to succeed with your integrity and character intact. Quotes organized by real life topics:



Mind Over Money: How to Program Your Mind For Wealth
http://www.amazon.com/Mind-Over-Money-Program-Wealth-ebook/dp/B0...

This simple 30-day training manual will help you change your life in every imaginable way. Discover the little-known secrets of thinking rich in order to finally created financial freedom in your life and avoid the critical mistakes that keep most people trapped in a cycle of money problems.



Dealing with Difficult Parents
http://www.amazon.com/gp/product/B00JEIIVF0/

Do you feel your relationship with your parents could be better?
When you talk to your parents, do you feel like a child again?
Do you find yourself behaving in ways you thought you'd grown out of when you argue with them?
It is hard to talk to them honestly about your life?
This book is for anyone who wants to build a more adult relationship with their parents.
Books Deals

Amazon Coupons
g: 2 Posted By: remick
Views: 255 Replies: 0 Fred 2.0: New Ideas on How to Keep Delivering Extraordinary Results
http://www.amazon.com/gp/product/B008PX0IS8/
4.9 out of 5 stars See all reviews (54 customer reviews)

Nine years ago, bestselling author and business consultant Mark Sanborn introduced the world to Fred, his postman, who delivered extraordinary service in simple but remarkable ways. Freds story inspired millions. Companieseven, citieswere inspired to turn the ordinary into the extraordinary each day.
Today, with stiff competition from the networked global economy, delivering extraordinary results is more important than ever. With Fred 2.0, Mark not only revisits the original Fred to gain new insights, but also equips all of us with new strategies to achieve more. Youll not only be inspired by Fred 2.0, youll also have the tools and strategies to aim higher and achieve the extraordinary.



The POWER of URGENCY: Playing to Win with PROACTIVE Urgency
http://www.amazon.com/gp/product/B00DMFNOUS
5.0 out of 5 stars (23 customer reviews)

Have you ever said, "I am really great in a crisis!" You recall rising to the immediate challenge with the best of yourself. The question posed by The POWER of URGENCY is, "Why wait for a crisis to be at the top of your game?"
The author describes how to use the amazing strength, creativity and boldness you discover through your reaction to a fight-or-flight situation, and do it proactively when and where you choose.
As a business leader, entrepreneur, or anyone ready to change the status quo, learn how to create from the best of yourself by being urgent in pursuing the objectives most important to you.



A Practical Guide to Risk Management
http://www.amazon.com/gp/product/B005EZIJ22
4.7 out of 5 stars (18 customer reviews)

Managing risk is at the core of managing any financial organization. Risk measurement and quantitative tools are critical aids for supporting risk management, but quantitative tools alone are no substitute for judgment, wisdom, and knowledge. Managers within a financial organization must be, before anything else, risk managers in the true sense of managing the risks that the firm faces.



The Myth of the Garage
http://www.amazon.com/gp/product/B00755MHA4
4.3 out of 5 stars (83 customer reviews)

From Chip and Dan Heath, the bestselling authors of Switch and Made to Stick, comes The Myth of the Garage ... and other minor surprises, a collection of the authors' best columns for Fast Company magazine. There are 16 pieces in all, plus a previously unpublished piece entitled 'The Future Fails Again'.
In Myth, the Heath brothers tackle some of the most (and least) important issues in the modern business world:
- Why you should never buy another mutual fund ('The Horror of Mutual Funds')
- Why your gut may be more ethical than your brain ('In Defense of Feelings')
- How to communicate with numbers in a way that changes decisions ('The Gripping Statistic')
- Why the 'Next Big Thing' often isn't ('The Future Fails Again')
- Why you may someday pay $300 for a pair of socks ('The Inevitability of $300 Socks')
- And 12 others . . .



BOOM! You got that graduate job: How to survive Day 1 and go from sucker to star player in 15 easy steps
http://www.amazon.com/gp/product/B00E31B736

THE GRADUATE CAREERS BOOK WITH A DIFFERENCE.
#1 Amazon Bestseller in three categories...
Have you been offered your first graduate job? Are you still hunting? Either way, this step-by-step guide will help you get through that terrifying first day when it arrives, then quickly develop into a star performer.
Why are some grads able to excel in the corporate world, walk around with confidence, get great results and build a network of support around them? What makes them different to the vast majority who end up appearing nothing more than mediocre?
When Seb Constable was applying for graduate schemes and other graduate jobs, he devoured every book on the subject. He discovered how to pass numerical and verbal reasoning exams, learned how to game personality quizzes and how to excel in assessment centres.
But as he realised in a panic when he was finally offered the graduate placement of his dreams that's where the advice ended. There was no comfort-blanket manual he could clutch to get through the terrifying ordeal of Day 1. And there was nothing explaining exactly how to get from shuddering fresh-out-of-uni wreck to confident, capable professional.
Seb knew a guide had to be written, for all those feeling just as hapless and terrified as him. He felt it was his duty to create it. Fast forward 18 months. This is that guide.
Books Deals

Amazon Coupons
g: 2 Posted By: BigBoyMichigan
Views: 817 Replies: 6 New Year = New Registration For 2014 McDonald's Monopoly Game


*Game Pieceswill not be Issueduntil In-Store Starting Game Date (September 30, 2014)

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, Free McDonald's food prizes, and much, much more!Must be 13+ to enter and play online, Validat participating McDonald's restaurants.


McDonald's Special Links
Register For 2014 McDonald's Monopoly - Enter Code First
I Won A Prize - Enter Winning Code Here
Canadian Residents - Prize Redemption Website
Guam or Saipan Residents - I Won RedBox or MyCokeRewards Prize
Prize Redemption Frequently Asked Questions
McDonald's Monopoly Big Winners 2003 - 2014
McDonald's Monopoly 2014 Official Rules
McDonald's Restaurant Locator - USA
BigBoyMichigan's FatWallet Deals


*McDonald's Monopoly Pre-Promotion Online Sweepstakes
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00
*Game Pieces will not be Issued until In-Store Starting Game Date (September 30, 2014)
Starts......September 23, 2014 at 12:00 a.m. EST
Ends........September 29, 2014 at 11:59:59 p.m. EST


IN-STORE GAME
Starts......September 30, 2014 at 12:00 a.m. EST
Ends........October 27,2014at 11:59:59 p.m. ESTor while supplies last.




FREE MONOPOLY LETTER CODES - EVERYONE CAN USE THESE ONCE*
============================================================
McDMONOPOLY (Pre-Premotion Facebook Code)



* Any Individual Code that has a Mix of Numbers & Letters can only be used once, Once its used, No one else can use it!
Share a FREE Monopoly Letter Code and Get Credit For It



SPECIAL MC DONALDS RULES ABOUT THE GAME:
===========================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per person, per day, not including the FREE Codes. One Pre-Promotion Sweepstakes entry per person. One online registration per participant.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a USA, DC, Canada, Guam, Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
* Free Game Pieces By Mail (See Below)................6 peels

* 20-piece Chicken McNuggets.............................4 peels**
* Large Fries..............................................................4 peels

* Medium Fountain Drink (21 oz).............................2 peels
* Medium Ice Water (21 oz).......................................2 peels
* Medium McCafe Beverage(16 oz)......................2 peels
* LargeMcCaf Beverage(20 oz).........................2 peels
* Big Mac Sandwich.................................................2 peels
* Bacon Clubhouse Sandwich................................2 peels
* Filet-O-Fish Sandwich.........................................2 peels
* 10-piece Chicken McNuggets.............................2 peels
* Premium McWrap................................................2 peels
* Hash Browns..........................................................2 peels
* Egg White Delight McMuffin sandwich.............2 peels
* Egg McMuffin......................................................2 peels
* Sausage McMuffin with Egg sandwiches........2 peels
* Fruit & Maple Oatmeal..........................................2 peels


**Special Note: Where 20-piece Chicken McNuggets packaging is not available, Participants who order 20-piece Chicken McNuggets will receive two (2) 10-piece Chicken McNuggets, each with one (1) Game Piece.Check with store as once the peels runs out on a certain product, They will NOT be resupplied





IN-STORE PRIZES - MCDONALDS MONOPOLY 2014
===========================================
$50.00..............................................................................1,000 Winners - ARV: $50.00..........Collect & Win
$100 Cash Prize............................................................10,000 Winners - ARV: $100.00.........Instant Win
$5,000 Cash Prize..................................................................5 Winners - ARV: $5,000.........Collect & Win
$10,000 To Help Pay Your Bills..............................................4 Winners - ARV: $10,000........Collect & Win
$100,000 Cash Prize..............................................................4 Winners - ARV: $100,000.......Instant Win
$1,000,000 Cash Prize...........................................................1 Winner - ARV: $1,000,000...Collect & Win
Cessna Private Jet Trip..........................................................2 Winners - ARV: $16,900........Collect & Win
Cessna Discovery Flight.......................................................10 Winners - ARV: $400.00.........Instant Win
Beaches Resorts Vacation.................................................75 Winners - ARV: $6,500..........Collect & Win
Softcard Mobile Wallet Prizes.............................................238 Winners - ARV: $3,150..........Collect & Win
$2,000 Target GiftCard......................................................20 Winners- ARV: $2,000.00......Instant Win
$020.00 Target eGiftCard................................................6,000 Winners- ARV: $0,020.00......Instant Win
$010.00 Target eGiftCard..............................................30,000 Winners- ARV: $0,010.00......Instant Win
$005.00 Target eGiftCard............................................100,000 Winners- ARV: $0,005.00......Instant Win
$5,000 Target GiftCard & Early Black Friday Access...........10 Winners -ARV: $5,000.00......Collect & Win
$25.00 Shell V-Power Gift Card....................................3,500 Winners - ARV: $25.00...........Instant Win
$10.00 Shell V-Power Gift Card....................................5,000 Winners - ARV: $10.00...........Instant Win
Shell Fuel for a Year...............................................................4 Winners - ARV: $2,350.00......Collect & Win
Dream Trip From Delta Vacations........................................20 Winners - ARV: $7,500.00......Collect & Win
My Coke Rewards 50 Bonus Point Bundle............4,000,000 Winners - ARV: $2.00.............Instant Win
1-Day Redbox Rental...............................................5,600,000 Winners - ARV: $2.00..............Instant Win
VIZIO P-Series 50" Class Ultra HD Smart TV....................260 Winners - ARV: $999.99..........Instant Win
$10.00 Arch Card........................................................20,000 Winners - ARV: $10.00............Instant Win
8x8 Shutterfly Photo Book........................................2,000,000 Winners - ARV: $37.98............Instant Win
Shutterfly Magnet.....................................................2,800,000 Winners - ARV: $22.98............Instant Win
Shutterfly White Ceramic Mug.................................1,200,000 Winners - ARV: $22.98............Instant Win
Polaroid Cube Lifestyle Action Camera.........................350 Winners - ARV: $99.00.............Instant Win
1-Month Hulu Plus Subscription............................10,000,000 Winners - ARV: $7.99...............Instant Win
Trip to Super Bowl XLIX (2015)............................................2 Winners - ARV: $7,000..............Instant Win
Skullcandy Navigator Headphones...............................3,000 Winners - ARV: $99.00...............Instant Win
Hasbro MONOPOLY Board Game................................2,000 Winners - ARV: $20.00..............Instant Win
Trip to the U.S. Premiere of The Hobbit................................1 Winner - ARV: $3,500..............Instant Win
Meet N Greet LeBron James Basketball MVP......................1 Winner - ARV: $3,800.............Instant Win
Meet N GreetJamie McMurray Victory Lane Veteran..........1 Winner - ARV: $3,440..............Instant Win
Meet N GreetAlex Morgan Soccer Gold Metalist.................1 Winner - ARV: $3,200..............Instant Win
Meet N GreetPatrick Kane Hockey All Star..........................1 Winner - ARV: $3,200.............Instant Win
Quarter Pounder with Cheese...............................18,395,575 Winners -ARV: $3.00...............Instant Win
Fruit ' N Yogurt Parfait...........................................18,395,575Winners-ARV: $3.00...............Instant Win
Regular McFlurry...................................................18,395,575Winners-ARV: $2.00...............Instant Win
Small McCafe Frappe............................................18,395,575Winners-ARV: $2.00...............Instant Win
Any Breakfast Sandwich (Except McMuffin)..........18,395,575Winners-ARV: $3.00...............Instant Win
Small McCafe Smoothie........................................18,395,575Winners-ARV: $3.00...............Instant Win
Medium Fries.........................................................18,395,575Winners-ARV: $2.00...............Instant Win



ONLINE PRIZES - MCDONALDS MONOPOLY 2014
=========================================
My Coke Rewards 1000 Bonus Point Bundle...................42 Winners - ARV: $040.00.............Instant Win
My Coke Rewards 50 Bonus Point Bundle..............250,000 Winners - ARV: $002.00.............Instant Win
Spotify Premium 12 Month Memberships.......................5,000 Winners - ARV: $119.88.............Instant Win
Spotify Premium 03 Month Memberships.......................5,000 Winners - ARV: $029.97.............Instant Win
1-Day Redbox Rental...............................................1,400,000 Winners - ARV: $002.00.............Instant Win
$100 Cash Prize................................................................100 Winners - ARV: $100.00.............Instant Win
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00........Pre-Promotion
$50,000 Sweepstakes Prize..................................................1 Winner - ARV: $50,000.00........Online Game
$10.00 Arch Card............................................................100 Winners -ARV: $010.00.............Instant Win
$50.00 Shell V-Power Gift Card......................................500 Winners-ARV: $050.00.............Instant Win
$14.99 Fathead E-Code....................................................500 Winners-ARV: $014.99.............Instant Win



2014 Rare Pieces........................Game Piece...Game Prize
==============================================
* Mediterranean Ave...................501.................$50.00
* Vermont Ave.............................504..................Shell Fuel For 1 Year
* Virginia Ave..............................508..................$5,000.00
* Tennessee Ave.........................510..................Softcard Mobile Wallet Prize**
* Kentucky Ave...........................512...................Any Delta Airlines Destination for 2
* Ventnor Ave..............................516..................Beaches Resorts Vacation
* Pennsylvania Ave.....................520.................Cessna Private Jet Trip
* Boardwalk.................................522..................$1,000,000 (annuity)
* Short Line Railroad..................526..................$5,000 Black FridayTarget Shopping Spree
*Water Works.............................527..................$10,000 To Pay Bills

** Plus $2,500 for wireless service


FREE GAME PIECES BY SNAIL MAIL
A Participant can request a Game Piece without buying a food item by mailing a legibly handwritten, self-addressed, stamped envelope (SASE) with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP code to:

2014 MONOPOLY Game Piece Request
P.O. Box 49340
Strongsville, OH 44149-0340

Six (6) Game Stamps will be mailed in response to each mail-in request that complies with the requirements of these Official Rules, while supplies last,Mail-in requests, including both outer envelope and SASE, must be handwritten. Outer envelope must include a return address in the upper left hand corner that matches the requestors street address, and

Postmarked By.....................October 27, 2014
Received by Sponsor By.....November 1, 2014.

If the In-Store Game is extended beyond October 27, 2014, these dates are subject to a corresponding extension. Requests from Vermont (VT) residents that are postmarked in VT may omit return postage. Requests from VT residents that are postmarked outside of VT and omit return postage may be required to provide proof of VT residency to Sponsor's reasonable satisfaction before requests are fulfilled. Each request must be mailed in a separate stamped outer mailing envelope. Requests that are sent in business reply envelopes, that utilize address labels or stickers (for any address), that are photocopied, hand-stamped, computer-generated or otherwise mechanically or digitally produced or reproduced, that are not mailed in separate outer stamped mailing envelopes, or that otherwise fail to comply with these Official Rules, will NOT be honored, acknowledged or returned, and the persons submitting such requests will forfeit any corresponding postage and unused envelopes.
Pre-Promotion Sweepstakes Random Drawing: On or about October 7, 2014Online Sweepstakes Random Drawing: on or about November 18, 2014Prize Redemption Site link http://www.iwonatmcd.com/home/mo2014us/index.html


ABOUT POSTING ON THIS FATWALLET THREAD
You have a McDonald's Code you want to share, Feel Free To Post it, People will love you for it
If you use a code, please let others know! It saves us all time, Be sure to thank the people you get Free Codes from it makes the code donors feel good.

RBM.........Redeemed by me
RNBM......Redeemed, Not By Me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Also if you know any McDonalds Gaming Tips, Feel free to share it here.Do to lack of space, There is additional information in the next post below, Please take a moment to read it.


■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.


Toys, Games,& Collectibles Deals
g: 0 Posted By: BigBoyMichigan
Views: 244 Replies: 1 New Year = New Registration For 2014 McDonald's Monopoly Game

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!Must be 13+ to enter and play online. Subject to Official Rulesatwww.PlayatMcD.comand participating McDonald's restaurants.


McDonald's Restaurant Locator
http://www.mcdonalds.com/us/en/restaurant_locator.html



*McDonald's Monopoly Pre-Promotion Online Sweepstakes
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00
*Game Pieces will not be Issued until In-Store Starting Game Date (September 30, 2014)
Starts......September 23, 2014 at 12:00 a.m. EST
Ends........September 29, 2014 at 11:59:59 p.m. EST



IN-STORE GAME
Starts......September 30, 2014 at 12:00 a.m. EST
Ends........October 27,2014at 11:59:59 p.m. ESTor while supplies last.




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
====================================================
McDMONOPOLY (Pre-Premotion Facebook Code)



SPECIAL MC DONALDS RULES ABOUT THE GAME:
===========================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per day.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a Guam or Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
* 20-piece Chicken McNuggets................................4 peels**
* Large Fries..............................................................4 peels

* Medium Fountain Drink (21 oz).............................2 peels
* Medium McCafe Beverage(16 oz)......................2 peels
* LargeMcCaf Beverage(20 oz).........................2 peels
* Big Mac Sandwich.................................................2 peels
* Bacon Clubhouse Sandwich................................2 peels
* Filet-O-Fish Sandwich.........................................2 peels
* 10-piece Chicken McNuggets.............................2 peels
* Premium McWrap................................................2 peels
* Hash Browns..........................................................2 peels
* Egg White Delight McMuffin sandwich.............2 peels
* Egg McMuffin......................................................2 peels
* Sausage McMuffin with Egg sandwiches........2 peels
* Fruit & Maple Oatmeal..........................................2 peels


**Special Note: Where 20-piece Chicken McNuggets packaging is not available, Participants who order 20-piece Chicken McNuggets will receive two (2) 10-piece Chicken McNuggets, each with one (1) Game Piece.Check with store as once the peels runs out on a certain product, They will NOT be resupplied





IN-STORE PRIZES - MCDONALDS MONOPOLY 2014
===========================================
$50.00.................................................................................1,000 Winners - ARV: $50.00.....................Collect & Win
$100 Cash Prize................................................................10,000 Winners - ARV: $100.00...................Instant Win
$5,000 Cash Prize......................................................................5 Winners - ARV: $5,000.....................Collect & Win
$10,000 To Help Pay Your Bills..................................................4 Winners - ARV: $10,000....................Collect & Win
$100,000 Cash Prize..................................................................4 Winners - ARV: $100,000..................Instant Win
$1,000,000 Cash Prize...............................................................1 Winner - ARV: $1,000,000...............Collect & Win
Cessna Private Jet Trip..............................................................2 Winners - ARV: $16,900....................Collect & Win
Cessna Discovery Flight...........................................................10 Winners - ARV: $400.00....................Instant Win
Beaches Resorts Vacation.....................................................75 Winners - ARV: $6,500......................Collect & Win
Softcard Mobile Wallet Prizes.................................................238 Winners - ARV: $3,150......................Collect & Win
$2,000 Target GiftCard...........................................................20 Winners- ARV: $2,000.00..................Instant Win
$020.00 Target eGiftCard.....................................................6,000 Winners- ARV: $0,020.00..................Instant Win
$010.00 Target eGiftCard...................................................30,000 Winners- ARV: $0,010.00..................Instant Win
$005.00 Target eGiftCard.................................................100,000 Winners- ARV: $0,005.00..................Instant Win
$5,000 Target GiftCard & Early Black Friday Access................10 Winners -ARV: $5,000.00..................Collect & Win
$25.00 Shell V-Power Gift Card.........................................3,500 Winners - ARV: $25.00.......................Instant Win
$10.00 Shell V-Power Gift Card.........................................5,000 Winners - ARV: $10.00.......................Instant Win
Shell Fuel for a Year....................................................................4 Winners - ARV: $2,350.00..................Collect & Win
Dream Trip From Delta Vacations.............................................20 Winners - ARV: $7,500.00..................Collect & Win
My Coke Rewards 50 Bonus Point Bundle.................4,000,000 Winners - ARV: $2.00.........................Instant Win
1-Day Redbox Rental.....................................................5,600,000 Winners - ARV: $2.00........................Instant Win
VIZIO P-Series 50" Class Ultra HD Smart TV..........................260 Winners - ARV: $999.99....................Instant Win
$10.00 Arch Card.............................................................20,000 Winners - ARV: $10.00.......................Instant Win
8x8 Shutterfly Photo Book.............................................2,000,000 Winners - ARV: $37.98.......................Instant Win
Shutterfly Magnet..........................................................2,800,000 Winners - ARV: $22.98.......................Instant Win
Shutterfly White Ceramic Mug......................................1,200,000 Winners - ARV: $22.98.......................Instant Win
Polaroid Cube Lifestyle Action Camera..............................350 Winners - ARV: $99.00.......................Instant Win
1-Month Hulu Plus Subscription.................................10,000,000 Winners - ARV: $7.99.........................Instant Win
Trip to Super Bowl XLIX (2015)..................................................2 Winners - ARV: $7,000.......................Instant Win
Skullcandy Navigator Headphones.....................................3,000 Winners - ARV: $99.00.......................Instant Win
Hasbro MONOPOLY Board Game.....................................2,000 Winners - ARV: $20.00.......................Instant Win
Trip to the U.S. Premiere of The Hobbit.....................................1 Winner - ARV: $3,500.......................Instant Win
Meet N Greet LeBron James Basketball MVP...........................1 Winner - ARV: $3,800.......................Instant Win
Meet N GreetJamie McMurray Victory Lane Veteran...............1 Winner - ARV: $3,440.......................Instant Win
Meet N GreetAlex Morgan Soccer Gold Metalist......................1 Winner - ARV: $3,200.......................Instant Win
Meet N GreetPatrick Kane Hockey All Star..............................1 Winner - ARV: $3,200.......................Instant Win
Quarter Pounder with Cheese...................................18,395,575 Winners -ARV: $3.00.........................Instant Win
Fruit ' N Yogurt Parfait...............................................18,395,575Winners-ARV: $3.00.........................Instant Win
Regular McFlurry.......................................................18,395,575Winners-ARV: $2.00.........................Instant Win
Small McCafe Frappe................................................18,395,575Winners-ARV: $2.00.........................Instant Win
Any Breakfast Sandwich (Except McMuffin)..............18,395,575Winners-ARV: $3.00.........................Instant Win
Small McCafe Smoothie............................................18,395,575Winners-ARV: $3.00.........................Instant Win
Medium Fries.............................................................18,395,575Winners-ARV: $2.00.........................Instant Win





ONLINE PRIZES - MCDONALDS MONOPOLY 2014
=========================================
My Coke Rewards 1000 Bonus Point Bundle...................42 Winners - ARV: $040.00 Each....Instant Win
My Coke Rewards 50 Bonus Point Bundle..............250,000 Winners - ARV: $002.00Each....Instant Win
Spotify Premium 12 Month Memberships.......................5,000 Winners - ARV: $119.88 Each....Instant Win
Spotify Premium 03 Month Memberships.......................5,000 Winners - ARV: $029.97 Each....Instant Win
1-Day Redbox Rental...............................................1,400,000 Winners - ARV: $002.00Each....Instant Win
$100 Cash Prize................................................................100 Winners - ARV: $100.00Each....Instant Win
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00........Pre-Promotion
$50,000 Sweepstakes Prize..................................................1 Winner - ARV: $50,000.00........Online Game
$10.00 Arch Card............................................................100 Winners -ARV: $010.00.............Instant Win
$50.00 Shell V-Power Gift Card......................................500 Winners-ARV: $050.00.............Instant Win
$14.99 Fathead E-Code....................................................500 Winners-ARV: $014.99.............Instant Win





McDonalds Monopoly 2014 Rare Pieces:
====================================
* Mediterranean Ave
* Vermont Ave
* Virginia Ave
* Tennessee Ave
* Kentucky Ave
* Shortline Railroad
* Ventor Ave
* Pennsylvania Ave
* Boardwalk



FREE GAME PIECES BY SNAIL MAIL
A Participant can request a Game Piece without buying a food item by mailing a legibly handwritten, self-addressed, stamped envelope (SASE) with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP code to:

2014 MONOPOLY Game Piece Request
P.O. Box 49340
Strongsville, OH 44149-0340

Six (6) Game Stamps will be mailed in response to each mail-in request that complies with the requirements of these Official Rules, while supplies last,
Mail-in requests, including both outer envelope and SASE, must be handwritten. Outer envelope must include a return address in the upper left hand corner that matches the requestors street address, and must be postmarked no later than October 27, 2014, and received by Sponsor no later than November 1, 2014.If the In-Store Game is extended beyond October 27, 2014, these dates are subject to a corresponding extension. Requests from Vermont (VT) residents that are postmarked in VT may omit return postage. Requests from VT residents that are postmarked outside of VT and omit return postage may be required to provide proof of VT residency to Sponsor's reasonable satisfaction before requests are fulfilled. Each request must be mailed in a separate stamped outer mailing envelope. Requests that are sent in business reply envelopes, that utilize address labels or stickers (for any address), that are photocopied, hand-stamped, computer-generated or otherwise mechanically or digitally produced or reproduced, that are not mailed in separate outer stamped mailing envelopes, or that otherwise fail to comply with these Official Rules, will NOT be honored, acknowledged or returned, and the persons submitting such requests will forfeit any corresponding postage and unused envelopes.



ABOUT POSTING ON THIS FATWALLET THREAD
You have a McDonald's Code you want to share, Feel Free To Post it, People will love you for it
If you use a code, please let others know! It saves us all time, Be sure to thank the people you get Free Codes from it makes the code donors feel good.

RBM.........Redeemed by me
RNBM......Redeemed, Not By Me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Also if you know any McDonalds Gaming Tips, Feel free to share it here.




■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.


Toys, Games,& Collectibles Deals
g: 0 Posted By: BigBoyMichigan
Views: 200 Replies: 1 New Year = New Registration For 2014 McDonald's Monopoly Game

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!Must be 13+ to enter and play online. Subject to Official Rulesatwww.PlayatMcD.comand participating McDonald's restaurants.


McDonald's Restaurant Locator
http://www.mcdonalds.com/us/en/restaurant_locator.html



*McDonald's Monopoly Pre-Promotion Online Sweepstakes
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00
Starts......September 23, 2014 at 12:00 a.m. EST
Ends........September 29, 2014 at 11:59:59 p.m. EST


IN-STORE GAME
Starts......September 30, 2014 at 12:00 a.m. EST
Ends........October 27,2014at 11:59:59 p.m. ESTor while supplies last.




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
====================================================
McDMONOPOLY (Pre-Premotion Facebook Code)



SPECIAL MC DONALDS RULES ABOUT THE GAME:
===========================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per day.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a Guam or Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
* 20-piece Chicken McNuggets................................4 peels**
* Large Fries..............................................................4 peels

* Medium Fountain Drink (21 oz).............................2 peels
* Medium McCafe Beverage(16 oz)......................2 peels
* LargeMcCaf Beverage(20 oz).........................2 peels
* Big Mac Sandwich.................................................2 peels
* Bacon Clubhouse Sandwich................................2 peels
* Filet-O-Fish Sandwich.........................................2 peels
* 10-piece Chicken McNuggets.............................2 peels
* Premium McWrap................................................2 peels
* Hash Browns..........................................................2 peels
* Egg White Delight McMuffin sandwich.............2 peels
* Egg McMuffin......................................................2 peels
* Sausage McMuffin with Egg sandwiches........2 peels
* Fruit & Maple Oatmeal..........................................2 peels


**Special Note: Where 20-piece Chicken McNuggets packaging is not available, Participants who order 20-piece Chicken McNuggets will receive two (2) 10-piece Chicken McNuggets, each with one (1) Game Piece.Check with store as once the peels runs out on a certain product, They will NOT be resupplied





IN-STORE PRIZES - MCDONALDS MONOPOLY 2014
===========================================
$50.00.................................................................................1,000 Winners - ARV: $50.00.....................Collect & Win
$100 Cash Prize................................................................10,000 Winners - ARV: $100.00...................Instant Win
$5,000 Cash Prize......................................................................5 Winners - ARV: $5,000.....................Collect & Win
$10,000 To Help Pay Your Bills..................................................4 Winners - ARV: $10,000....................Collect & Win
$100,000 Cash Prize..................................................................4 Winners - ARV: $100,000..................Instant Win
$1,000,000 Cash Prize...............................................................1 Winner - ARV: $1,000,000...............Collect & Win
Cessna Private Jet Trip..............................................................2 Winners - ARV: $16,900....................Collect & Win
Cessna Discovery Flight...........................................................10 Winners - ARV: $400.00....................Instant Win
Beaches Resorts Vacation.....................................................75 Winners - ARV: $6,500......................Collect & Win
Softcard Mobile Wallet Prizes.................................................238 Winners - ARV: $3,150......................Collect & Win
$2,000 Target GiftCard...........................................................20 Winners- ARV: $2,000.00..................Instant Win
$020.00 Target eGiftCard.....................................................6,000 Winners- ARV: $0,020.00..................Instant Win
$010.00 Target eGiftCard...................................................30,000 Winners- ARV: $0,010.00..................Instant Win
$005.00 Target eGiftCard.................................................100,000 Winners- ARV: $0,005.00..................Instant Win
$5,000 Target GiftCard & Early Black Friday Access................10 Winners -ARV: $5,000.00..................Collect & Win
$25.00 Shell V-Power Gift Card.........................................3,500 Winners - ARV: $25.00.......................Instant Win
$10.00 Shell V-Power Gift Card.........................................5,000 Winners - ARV: $10.00.......................Instant Win
Shell Fuel for a Year....................................................................4 Winners - ARV: $2,350.00..................Collect & Win
Dream Trip From Delta Vacations.............................................20 Winners - ARV: $7,500.00..................Collect & Win



ONLINE PRIZES - MCDONALDS MONOPOLY 2014
=========================================
My Coke Rewards 1000 Bonus Point Bundle...................42 Winners - ARV: $040.00 Each....Instant Win
My Coke Rewards 50 Bonus Point Bundle..............250,000 Winners - ARV: $002.00Each....Instant Win
Spotify Premium 12 Month Memberships.......................5,000 Winners - ARV: $119.88 Each....Instant Win
Spotify Premium 03 Month Memberships.......................5,000 Winners - ARV: $029.97 Each....Instant Win
1-Day Redbox Rental...............................................1,400,000 Winners - ARV: $002.00Each....Instant Win
$100 Cash Prize................................................................100 Winners - ARV: $100.00Each....Instant Win
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00........Pre-Promotion
$50,000 Sweepstakes Prize..................................................1 Winner - ARV: $50,000.00........Online Game
$10.00 Arch Card............................................................100 Winners -ARV: $010.00.............Instant Win
$50.00 Shell V-Power Gift Card......................................500 Winners-ARV: $050.00.............Instant Win
$14.99 Fathead E-Code....................................................500 Winners-ARV: $014.99.............Instant Win





McDonalds Monopoly 2014 Rare Pieces:
====================================
* Mediterranean Ave
* Vermont Ave
* Virginia Ave
* Tennessee Ave
* Kentucky Ave
* Shortline Railroad
* Ventor Ave
* Pennsylvania Ave
* Boardwalk



FREE GAME PIECES BY SNAIL MAIL
A Participant can request a Game Piece without buying a food item by mailing a legibly handwritten, self-addressed, stamped envelope (SASE) with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP code to:

2014 MONOPOLY Game Piece Request
P.O. Box 49340
Strongsville, OH 44149-0340

Six (6) Game Stamps will be mailed in response to each mail-in request that complies with the requirements of these Official Rules, while supplies last,
Mail-in requests, including both outer envelope and SASE, must be handwritten. Outer envelope must include a return address in the upper left hand corner that matches the requestors street address, and must be postmarked no later than October 27, 2014, and received by Sponsor no later than November 1, 2014.If the In-Store Game is extended beyond October 27, 2014, these dates are subject to a corresponding extension. Requests from Vermont (VT) residents that are postmarked in VT may omit return postage. Requests from VT residents that are postmarked outside of VT and omit return postage may be required to provide proof of VT residency to Sponsor's reasonable satisfaction before requests are fulfilled. Each request must be mailed in a separate stamped outer mailing envelope. Requests that are sent in business reply envelopes, that utilize address labels or stickers (for any address), that are photocopied, hand-stamped, computer-generated or otherwise mechanically or digitally produced or reproduced, that are not mailed in separate outer stamped mailing envelopes, or that otherwise fail to comply with these Official Rules, will NOT be honored, acknowledged or returned, and the persons submitting such requests will forfeit any corresponding postage and unused envelopes.



ABOUT POSTING ON THIS FATWALLET THREAD
You have a McDonald's Code you want to share, Feel Free To Post it, People will love you for it
If you use a code, please let others know! It saves us all time, and it makes our code donors feel good.

RBM.........Redeemed by me
RNBM......Redeemed, Not By Me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Also if you know any McDonalds Gaming Tips, Feel free to share it here.




■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.


Toys, Games,& Collectibles Deals
g: 1 Posted By: DaysFan
Views: 454 Replies: 0 Smart & Final Free Knott's Junior Ticket

http://assets.emarketinginc.net/smartandfinal/2014/09/23/promo3.jpghttp://www.freeticketpromo.com/http://www.freeticketpromo.com/http://www.smartandfinal.comWhen you purchase 4 or more participating Mars items


*Limit one offer per household. Qualifying Mars items must be purchased in one transaction. Knotts Berry Farm Junior Ticket Offer (valid for ages 3-11 years) effective September 17 -30, 2014. Void where prohibited or restricted by law. See store for details or visit freeticketpromo.com. / TM Trademarks Mars, Incorporated 2014http://www.freeticketpromo.com/qualifying-items/How to qualify for a Knotts Berry Farm Junior Admission Ticket:Receive a register receipt code (Code) redeemable for a Knotts Berry Farm Junior Admission Ticket (valid for children age 3-11) (Ticket) when you purchase four (4) or more of any combination of the participating Mars Chocolate products listed below in a single transaction at participating Smart & Final stores between 5:59 AM Pacific Time (PT) on September 17, 2014 and 11:59 PM PT on September 30, 2014. Offer good while supplies last.How To Redeem your Code for a Knotts Berry Farm Junior Admission Ticket:To redeem your Code, visit the website listed on your Smart & Final store register receipt and follow the on-screen instructions to register. Code redemption and registration must be complete by 11:59 PM PT on October 5, 2014.If you do not have access to a computer, mail your qualifying receipt and a 3x 5 index card with your Name, Address and Phone Number to Smart & Final Knotts Reward Offer, PO Box 1540, Garden Grove, CA 92842. Mailed in Reward Offer registration must be received by October 5, 2014. Your Ticket will be mailed via US mail to the address provided in your registration within approximately two (2) weeks of Code validation. Ticket is valid through March 31, 2015. Limit: one (1) Code redemption per US household.General Terms:Register receipt, Code and Ticket cannot be replaced if lost, stolen or damaged. Ticket is subject to all terms and conditions of its issuer.This Offer is valid only to individual consumers; requests from groups, clubs or organizations will not be honored. This Offer is valid for California residents only, 18 years of age and older. This Offer is void outside California, where prohibited, restricted or taxed or if obtained through unauthorized channels. Mars Chocolate North America LLC, Smart & Final Stores, LLC and Knotts Berry Farm, and each of their respective affiliates their respective affiliates, agents and advertising and promotion agencies, (together, Promotion Parties) are not responsible for late, lost, stolen, damaged, garbled, incomplete, for errors, omissions, interruptions, deletions, defects or delays in operations or transmission of information, in each case whether arising by way of technical or other failures or malfunctions of computer hardware, software, communications devices or transmission lines or data corruption, theft, destruction, unauthorized access to or alteration of Offer materials, loss or otherwise. Promotion Parties reserve the right, at their sole discretion, to disqualify any participant from this Offer or any other promotion conducted now or in the future by Promotion Parties if Promotion Parties determine that he/she has tampered with the Offer process or attempted to circumvent these Offer Terms and Conditions or if his/her fraud or misconduct has affected the integrity or fair conduct of this Offer. Promotion Parties reserve the right to correct errors in Offer materials. By participating in this Offer, each participant accepts the conditions stated in these Offer Terms and Conditions, agrees to be bound by the decisions of Promotion Parties and warrants that he/she is eligible to participate in this Offer. Each participant also agrees to release Promotion Parties from any and all liability, loss or damages arising from or in connection with participation in this Offer. CAUTION: ANY ATTEMPT BY ANY INDIVIDUAL TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THIS OFFER IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, PROMOTION PARTIES RESERVE THE RIGHT TO SEEK DAMAGES FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.
Restaurants & Entertainment Deals
Cable Modem Zoom 5341J DOCIS 3.0 for $59 at Amazon
Added on : Thursday September 25th 2014 10:00:04 PM
g: 0 Posted By: thesandman2
Views: 71 Replies: 0 http://www.amazon.com/Zoom-DOCSIS-Cable-Modem-5341J/dp/B0063K4NN...

Zoom 5341J at Amazon for $59. Fantastic price for a DOCSIS 3.0 modem with a reputation for being workhorse.

I had a Motorola SB6121 that after 2 years started dropping signal several times a day. I read that this is fairly common for the SB6121 due to powersupply failing with time. I wanted the replacement to be different brand from motorolla and the Zoom has a great reputation going back decades to the dial up modem days. The Zoom been rock solid over the last month

As a side note, the 5341J is capable of bonding 8 down stream channels and 4 upstream channels for the few who need this (the older zoom 5341 without the "J" was a 4x4 modem). This makes the 5341J comparable to the motorolla SB6141 rather than the SB6121

Here is a discussion on comcast forums of the 5431J vs SB6121. They feel the 5431J to be a superior modem.
Electronics Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 150 Replies: 0 Smart & Final Free Knott's Junior Ticket

http://assets.emarketinginc.net/smartandfinal/2014/09/23/promo3.jpghttp://www.freeticketpromo.com/http://www.freeticketpromo.com/http://www.smartandfinal.comWhen you purchase 4 or more participating Mars items


*Limit one offer per household. Qualifying Mars items must be purchased in one transaction. Knotts Berry Farm Junior Ticket Offer (valid for ages 3-11 years) effective September 17 -30, 2014. Void where prohibited or restricted by law. See store for details or visit freeticketpromo.com. / TM Trademarks Mars, Incorporated 2014http://www.freeticketpromo.com/qualifying-items/How to qualify for a Knotts Berry Farm Junior Admission Ticket:Receive a register receipt code (Code) redeemable for a Knotts Berry Farm Junior Admission Ticket (valid for children age 3-11) (Ticket) when you purchase four (4) or more of any combination of the participating Mars Chocolate products listed below in a single transaction at participating Smart & Final stores between 5:59 AM Pacific Time (PT) on September 17, 2014 and 11:59 PM PT on September 30, 2014. Offer good while supplies last.How To Redeem your Code for a Knotts Berry Farm Junior Admission Ticket:To redeem your Code, visit the website listed on your Smart & Final store register receipt and follow the on-screen instructions to register. Code redemption and registration must be complete by 11:59 PM PT on October 5, 2014.If you do not have access to a computer, mail your qualifying receipt and a 3x 5 index card with your Name, Address and Phone Number to Smart & Final Knotts Reward Offer, PO Box 1540, Garden Grove, CA 92842. Mailed in Reward Offer registration must be received by October 5, 2014. Your Ticket will be mailed via US mail to the address provided in your registration within approximately two (2) weeks of Code validation. Ticket is valid through March 31, 2015. Limit: one (1) Code redemption per US household.General Terms:Register receipt, Code and Ticket cannot be replaced if lost, stolen or damaged. Ticket is subject to all terms and conditions of its issuer.This Offer is valid only to individual consumers; requests from groups, clubs or organizations will not be honored. This Offer is valid for California residents only, 18 years of age and older. This Offer is void outside California, where prohibited, restricted or taxed or if obtained through unauthorized channels. Mars Chocolate North America LLC, Smart & Final Stores, LLC and Knotts Berry Farm, and each of their respective affiliates their respective affiliates, agents and advertising and promotion agencies, (together, Promotion Parties) are not responsible for late, lost, stolen, damaged, garbled, incomplete, for errors, omissions, interruptions, deletions, defects or delays in operations or transmission of information, in each case whether arising by way of technical or other failures or malfunctions of computer hardware, software, communications devices or transmission lines or data corruption, theft, destruction, unauthorized access to or alteration of Offer materials, loss or otherwise. Promotion Parties reserve the right, at their sole discretion, to disqualify any participant from this Offer or any other promotion conducted now or in the future by Promotion Parties if Promotion Parties determine that he/she has tampered with the Offer process or attempted to circumvent these Offer Terms and Conditions or if his/her fraud or misconduct has affected the integrity or fair conduct of this Offer. Promotion Parties reserve the right to correct errors in Offer materials. By participating in this Offer, each participant accepts the conditions stated in these Offer Terms and Conditions, agrees to be bound by the decisions of Promotion Parties and warrants that he/she is eligible to participate in this Offer. Each participant also agrees to release Promotion Parties from any and all liability, loss or damages arising from or in connection with participation in this Offer. CAUTION: ANY ATTEMPT BY ANY INDIVIDUAL TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THIS OFFER IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, PROMOTION PARTIES RESERVE THE RIGHT TO SEEK DAMAGES FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.
Restaurants & Entertainment Deals
g: 0 Posted By: tedhawkins
Views: 163 Replies: 0 Mr. Beams MB280 ReadyBright Wireless Power Outage LED Whole House Lighting System $44.99 Fs Amazon Lightning Deal

http://www.amazon.com/gp/product/B005R2T8MM

The Mr Beams MB280 ReadyBright system provides a new way to keep your home safe and bright during a big storm, hurricane, electrical outage, or any kind of power outage.

Meet the ReadyBright System
Mr. Beams ReadyBright System Mr. Beams ReadyBright System Mr. Beams ReadyBright System
Mr. Beams ReadyBright System Mr. Beams ReadyBright System Mr. Beams ReadyBright System
The ceiling light and path light are battery powered LED lights with a
wireless receiver to be controlled by the power outage detector
The included smart MB220 power outage detector instantly detects when the power goes out, illuminates to become a brilliant flashlight, and wirelessly turns on all the ReadyBright lights in your home. You instantly have light everywhere--when you need it most.

Mr. Beams ReadyBright Power Outage Detector
Power outage detector signals the wireless lights and can be used as a flashlight. View larger

Mr. Beams ReadyBright Power Outage Lighting System
Keep your home safe and bright during a power outage with ReadyBright. View larger

Mr. Beams ReadyBright Power Outage Lighting System
The ceiling and path lights are battery powered LEDs and designed for easy installation
Meet the Brains

The innovative MB220 power outage detector powers the entire ReadyBright system.

The power outage detector plugs into an outlet. Once it detects a power outage it lights up and instantly signals the wireless lights to activate. It is a power flashlight that can be used anytime...power outage or not. It is also an easy remote control that turns all system lights on and off to conserve battery life.

During a power outage, the power outage detector can be unplugged and used to activate the lights from wherever you are. It sends an instant signal to lights up to 70 feet away. That can span more than a 2,500-square-foot house.

Hours of Light, Everywhere You Need It

All of the ReadyBright lights in your home instantly turn on the moment you lose power.

The MB785 path light brightly lights up to 8 steps and 15 feet of hallway. The MB985 ceiling light provides 150 square feet of coverage in any room. Both the path and ceiling lights provide 40 hours of light before a battery change is needed.

This is an expandable system with a power outage detector that will control up to 10 lights. Place them anywhere. Provide light to read your sump pump manual or your newspaper.

Bright, Durable, Energy-Efficient LED Lights

Advances in LED technology are what make the innovative ReadyBright power outage lighting system possible. The efficiency of turning battery power to light are what allows the ReadyBright system to provide bright white light for an extended period of time on a single set of batteries.

Runs on Batteries and Installs in Minutes

The path light can be installed anywhere in minutes with a simple mounting bracket or powerful double stick tape. The path light runs on 4 AA batteries and provides 40 hours of light. The ceiling light can be mounted anywhere with an easy mounting bracket and 2 screws. The ceiling light runs on 4 C batteries and also provides 40 hours of lights. Within minutes, you can be ready for your next power outage.

Mr. Beams MB280 Whole House Kit at a Glance
Recommended Applications

The ReadyBright system is intended to protect you in the event of a power failure. Lighting that can turn on automatically and be used for the duration of an extended power outage offers safety and security to any homeowner. In some areas, power outages hit suddenly and with little warning. In other areas, power is unreliable and regular power outages are part of everyday life. ReadyBright is an innovative power outage lighting system that is available to install anywhere that lighting during a power outage can be a safety, security, or convenience concern.

Mr. Beams LED lights provide indoor and outdoor lighting solutions where you need them most. Intelligent motion-sensors activate battery-operated LED lights for hands-free lighting. The ReadyBright power outage system from Mr. Beams provides an innovative lighting product to light up an entire house during a power outage. All Mr. Beams LED lights install easily--no wiring, no electricians--so you can be assured of quality LED lighting anywhere.

What's in the Box

Mr. Beams MB220 power outage detector (POD), three MB785 stair and path lights, three MB985 ceiling lights, rechargeable battery for MB220, mounting bracket and hardware for each MB785 and MB985, three sets of sticky tape for mounting the MB785, quick start guide, and user's manual.
Electronics Deals

Amazon Coupons
Coleman Rugged Rechargeable Lantern - 2012 $24.73 Rei Fs on $50+
Added on : Wednesday September 24th 2014 10:00:08 PM
g: 0 Posted By: tedhawkins
Views: 150 Replies: 0 Coleman Rugged Rechargeable Lantern - 2012 $24.73 REI Fs on $50+

http://www.rei.com/product/879202/coleman-rugged-rechargeable-la...

Provides up to 6 hrs. of battery life when using the high setting, or 9 hrs. using the amber-colored nightlight (which is functional even while the lantern is recharging)
An emergency-on circuit lights automatically during power failure when the lantern is plugged into an outlet with the switch set on low or high
Lantern is rechargeable via 120v AC outlet or 12v DC port (adapters included, and conveniently store in the lantern's base)
Camping Deals

REI Coupons
Free $25 for signing up for failing UFC casino
Added on : Sunday September 21st 2014 09:00:07 AM
g: 0 Posted By: a3814
Views: 134 Replies: 1 Not a survey exactly, but you fill out a simple registration form and you'll wind up getting a $25 check mailed to you in a few weeks. NJ regulated casino Ultimate Casino is closing its doors soon. You can use this opportunity to get a $25 by signing up and then withdrawing.

How does it work?

- Ultimate Casino awards 25 "U-Dollars" for every new, verified signup as a promotion. For whatever reason, the promotion is still going even though they are closing.
- Ordinarily you can only use U-Dollars to wager with, and you can only wager if you are in New Jersey.
- Even though you can't use it, Ultimate Casino's system will give you the 25 promotional dollars without you being in New Jersey. Ordinarily, it would expire after being unused for a certain period of time.
- Because they are closing their doors, all promotional currency will be exchanged for equivalent USD on request.
- After it's exchanged, request a cashout, and they will mail you $25.
- The site is regulated by Nevada & New Jersey and will still be in business in Nevada, so it's unlikely they will be unable to not pay.

This means anyone, whether they are in NJ or not, can claim the free $25. It's a little bit more of a pain if you are not in the US.

You will have to sign up and give your SSN (to prove you are over 21) along with verifying a mobile phone and email address.

Sign up by going to https://games.ucasino.com/portal/win32/player/registration/ or https://games.ucasino.com/portal and choosing Sign In & then Register.

- Use your real SSN and real address. Their system will use this to verify you are over 21.
- Use your real mobile phone. You will have to respond to a text they send you with "YES".
- You'll also have to click the link they send you in an email.

After your account is reads Age/ID, Email, and Mobile Phone verified (you don't need New Jersey Location Verification), you will get 25 U Dollars in your account within about 15 minutes. U Casino is ceasing play midnight Sunday. After tomorow, email or chat into support and request your U Dollars be converted to USD and cash it out.

Not everyone will get ID verified automatically on signup, including no one outside the US. Those people can still try to get the free $25, but they'll have to manually send proof of ID to customer support and hope it's approved. See details on their faq here: https://playercare.ultimatepoker.com/hc/en-us/articles/200401024...
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g: 1 Posted By: JayMatt19
Views: 210 Replies: 1 http://www.frys.com/product/8119265?site=sa:adpages%20page:P37_F...
Detailed Description Take a Product Tour
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Using HELOC to fund 529 HSA SEP and Traditional IRA Pros and Cons
Added on : Thursday September 18th 2014 04:00:15 AM
g: 0 Posted By: ScottMalinowski
Views: 1 Replies: 0 I need some advise. Here is the story.

Normally year after year without fail my wife and I can fund the following from our surplus.

529s - Two children - 10K - Our state gives a 10% credit on our state income tax.
HSA - approx 6K. Fully funded as a retirement investment vehicle (not really for health expenses at all, we fund those out of pocket.
SEP IRAs approx 1K.
Traditional IRAs about 10K.

Total 27K

This year we have had extra ordinary expenses and the surplus is not available.

We have a low interest HELOC which serves as source cash when needed.

Our debt is only minimal revolving cc that do not carry a balance.

I can see funding the 529s given the state credit will easily cover the HELOC %.

The others will reduce/defer my tax liability by likely HELOC %

Should I use my HELOC to fund these investments?

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Added on : Thursday September 18th 2014 02:00:07 AM
g: 0 Posted By: softwaredealhunter
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g: 0 Posted By: DizzyT71
Views: 138 Replies: 1 Rakuten has theKingston V300 60GB 2.5" SATA III Solid State Drive (SSD)on sale for $44.99 - $10.00 coupon code "VisaCheckout10" (w/ Visa Checkout)= 34.99 with free shipping.

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SEC spends 25 years and $8.6 million to collect $3.7 million
Added on : Wednesday September 17th 2014 05:00:10 AM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 1 Somewhat of a continuation of this thread This guy took FW H&B advice and ran with it"the victim of three heart attacks by the age of 30"

http://elitedaily.com/news/world/instagram-straight-flexin-dan-bilzerians-instagram-absolutely-ridiculous/

This was an entertaining piece that describes his father, a corporate raider who spent decades setting up trusts, shuffling around assets, and playing games with the SEC to avoid judgements.
WSJ said: 25 years after Mr. Bilzerian became a Wall Street felon, the Securities and Exchange Commission is quitting the fight, winding down its quest to collect a $62 million civil judgment against him for securities fraud.

To a mention of his bank accounts, he says: "What bank accounts? Do you think I'd be stupid enough to have a bank account?"

His is an extreme example of the challenges, and often failures, financial watchdogs encounter in trying to collect judgments after announcing them with fanfare. Mr. Bilzerian consistently thwarted their efforts, according to a review by The wall street journal of thousands of pages of documents from civil and criminal cases and interviews with people familiar with them.

A 1980s Corporate Raider Holds Off the SEC

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g: 0 Posted By: lolcharless
Views: 236 Replies: 0 LED Portable Dimmable Light/Lamp w Latching Locking Clamp & Timer Perfect Variety Of Indoor/Outdoor Uses 19.99 AC @ Amazon.com + FSSS & Prime Shipping

19.99 AC for the white color, may also work for the green but I have the white version.

Save $17.00 when you purchase 1 or more MIU COLOR Portable Mini Bed Lamp/Light offered by MIU COLOR Shop. Enter code CJIPCGNY at checkout.

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-With a time-lapse switch, it can automatically turn off after 1 hour, and you don't need to worry about energy waste if you fall asleep.


CCC below from when I last saw it with a discount - but now that I have it and used it, its a pretty useful LED light!

Was browsing for a kind of all in one low power consumption LED light that I could use in a variety of ways and the 2 hump desert animal CCC site said this was $1 above the lowest price this one has been. It looks like a neat little versatile LED that is portable, dimmable, has a latching locking clamp so you can attach it to bed posts, desks, book shelves, kitchen shelves and so forth, would be perfect for bedside reading, baby/bath room type night light as needed, desk lamp or a portable power failure light. At least those are mostly indoor uses, but Im sure there are some more and some outdoor uses as well and so I ended up grabbing an extra one for the back shed as well.

JJCEO has a review video on it so you can see all the info about it from that video.
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Select Southwest One-Way Sale Fares as Low as $69 @ Southwest.com
Added on : Monday September 08th 2014 12:00:02 PM
g: 0 Posted By: fivetalents
Views: 112 Replies: 0 Southwest is offering sales fares starting at $69 one-way on select flights.Scroll down to see starting prices for each starting locations/destination combo.

Sale fares as low as $69 one-way. Book by September 18 for travel on Tuesdays and Wednesdays, September 16, 2014 through March 4, 2015. Restrictions and exclusions apply. 14-day advance purchase. Select markets. Seats and days limited. Already purchased a ticket for these travel dates and want to check for a lower fare? Visit change air reservationat southwest.com.

Terms and Conditions

14-day advance purchase required.
Purchase from September 2 through September 18, 2014, 11:59 p.m. for the respective time zone of the originating city.
Travel September 16, 2014 through March 4, 2015. Travel to/from San Juan, Puerto Rico valid September 16 through December 10, 2014 and January 13 through March 4, 2015. Travel October 14, 2014 through March 4, 2015 for DAL - BWI, DEN, LAS, MCO, MDW, DCA, and LAX. Travel November 4, 2014 through March 4, 2015 for DAL - ATL, BNA, FLL, LGA, PHX, SAN, SNA, and TPA.
Travel valid only on Tuesdays & Wednesdays.
Blackout Dates Apply: November 25 - 26, 2014.
Some flights operated by AirTran Airways.
Fares valid on nonstop service only.
Displayed prices include all U.S. and international government taxes and fees.
Seats are limited. Fares may vary by destination, flight, and day of week and wont be available on some flights that operate during very busy travel times and holiday periods.
Fares are available for one-way travel.
Fares may be combined with other Southwest Airlines combinable fares. If combining with other fares, the most restrictive fares rules apply.
Sale fares may be available on other days of week, but not guaranteed.
Fares are nonrefundable but may be applied toward future travel on Southwest Airlines, so long as you cancel your reservations at least ten minutes prior to the scheduled departure of your flight. Failure to cancel prior to departure will result in forfeiture of remaining funds on the reservation.
Any change in itinerary may result in an increase in fare. Standby travel requires an upgrade to the Anytime Fare.
Fares are subject to change until ticketed.
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g: 0 Posted By: ctgolfer
Views: 140 Replies: 0 $99.99 after $40 mail-in rebate

additional $15 off $100 here: www.tigerdirect.com/sectors/campaigns/include/events/2014/backTo...

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g: 1 Posted By: tedhawkins
Views: 234 Replies: 1 Anker 40W 5-Port Family-Sized Desktop USB Charger $19.99 w/code FS Prime Anker via Amazon
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Apply code 20DF7105

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Free Kindle Book- The Mystery of Garabandal
Added on : Thursday August 28th 2014 02:00:47 AM
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B00GHMAQQ8

4.6 out of 5 stars (11 customer reviews)

Fifty years ago, four young girls in a small Spanish village began falling into rigid trances, marching backward up hills, and levitating, seemingly, inches above the ground. Eyes fixed on a mysterious point in the air, they were mesmerized by something which was invisible to everyone else.
What the girls said they saw--and heard--sent shock waves that are still reverberating today. The messages the four girls claimed to receive revealed a picture of a Catholic church in crisis and a world that faced an earth-shattering future that would unfold in their lifetime.
The girls pronouncements about coming trouble in the church and world were met with fierce skepticism from the first. Some charged the girls with being possessed by demons (based on the girls strange physical poses and apparent levitation), and others claimed the girls were putting on an act (revealing their true colors when they chose ordinary married lives instead of the convent). There was also a third body of critics: those who believed that a group of girls on the CUSP of adolescence in a remote and insular society conjured up a psychodrama which, fueled by the spotlight and mounting frenzy, gained a frightening life of its own.
There was one other possibility--that the strange events in Garabandal, Spain actually did occur, and the girls received an apocalyptic warning for both the church and the modern world.
The warning to the world included a prediction that a newly militant Russia would rise again. The prophecies of Garabandal also foretell a World-Wide Warning and a Global Miracle, whose purpose is to convince a world reeling from one catastrophe to the next that God exists. But the Warning and Miracle, dramatic as they sound, are not even the most unsettling of the messages. One night, the young girls dissolved into screams. During this so-called Night of the Screams, the girls say they were shown a tragic chastisement that would befall the entire world if the Warning and Miracle failed to trigger global change.
As disquieting as those messages were, the most shocking message at Garabandal was for the hierarchy of the Roman Catholic Church. Why were the messages of Garabandal so effectively suppressed? Did it have to do with the fact that the messages presciently warned of coming scandal and turmoil in the Roman Catholic Church itself?
Did a portal open between worlds on a Spanish mountaintop in that summer of 1961? And if so, who opened the door--an angel of God or an angel of darkness? Did a young girl's flight of fancy one summer night spin wildly out of control? Or was it a visitation from God?
Now that the girls at the center of this drama are 60-year-old women, should their claims be discredited or re-examined? Are the apparitions bogus or fast-approaching their fulfillment? If the events are false, Garabandal is a fascinating and perhaps tragic human interest story with several explanations. If the events and warnings are true--then what do we do?
By the end of this book, readers can judge whether the visions of four young seers on a mountaintop in Spain were historical fact, a devilish fraud, or the creative confusion of four girls who would spend the rest of their lives trying to escape a human tragicomedy that they themselves had produced.
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g: 0 Posted By: tedhawkins
Views: 138 Replies: 0 Chamberlain PD210D Power Drive 1/2-Horsepower Security-Plus Chain-Drive Garage Door Opener, Blue and White $109 Fs HomeDepot

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PosiLock theft protection assures that once the door is closed, it stays locked
Manual release handles in case of power failure

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g: 0 Posted By: ctgolfer
Views: 150 Replies: 0 Features

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g: 0 Posted By: ctgolfer
Views: 156 Replies: 0 use promo code: AFNJ4193

Brand
Kingston
Series
SSDNow V300 Series
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SV300S37A/240G
Device Type
Internal Solid State Drive (SSD)
Used For
Consumer

Physical
Form Factor
2.5"
Capacity
240GB
Interface
SATA III
Height
7mm
Width
69.85mm
Depth
100mm
Weight
86g

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Max Sequential Read
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g: 0 Posted By: ctgolfer
Views: 128 Replies: 0 2014 PC Internet Security & Android mobile antivirus software
Preloaded on a USB flash drive works with up to 5 PCs and other compatible mobile devices for up to 5 years, so you can keep your important data safe.
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Enables you to wipe all contacts, photos, calendars, text messages, browsing history and Secure Digital card information when your phone is lost or stolen. Phone locker prevents outside parties from accessing your personal data.
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g: -1 Posted By: MrsF
Views: 156 Replies: 2 Unbroken: A World War II Story of Survival, Resilience, and Redemption - [Kindle Edition] -Laura Hillenbrand(Author)

LINKY: Unbroken: A World War II Book


Price is $ $9.12

Regularly $16.00


From Laura Hillenbrand, the bestselling author ofSeabiscuit,comesUnbroken, the inspiring true story of a man who lived through a series of catastrophes almost too incredible to be believed. In evocative, immediate descriptions, Hillenbrand unfurls the story of Louie Zamperini--a juvenile delinquent-turned-Olympic runner-turned-Army hero. During a routine search mission over the Pacific, Louies plane crashed into the ocean, and what happened to him over the next three years of his life is a story that will keep you glued to the pages, eagerly awaiting the next turn in the story and fearing it at the same time. Youll cheer for the man who somehow maintained his selfhood and humanity despite the monumental degradations he suffered, and youll want to share this book with everyone you know.--Juliet Disparte -The Story ofUnbrokenby Laura Hillenbrand -Eight years ago, an old man told me a story that took my breath away. His name was Louie Zamperini, and from the day I first spoke to him, his almost incomprehensibly dramatic life was my obsession.It was a horse--the subject of my first book,Seabiscuit: An American Legend--who led me to Louie. As I researched the Depression-era racehorse, I kept coming across stories about Louie, a 1930s track star who endured an amazing odyssey in World War II. I knew only a little about him then, but I couldnt shake him from my mind. After I finishedSeabiscuit, I tracked Louie down, called him and asked about his life. For the next hour, he had me transfixed.Growing up in California in the 1920s, Louie was a hellraiser, stealing everything edible that he could carry, staging elaborate pranks, getting in fistfights, and bedeviling the local police. But as a teenager, he emerged as one of the greatest runners America had ever seen, competing at the 1936 Berlin Olympics, where he put on a sensational performance, crossed paths with Hitler, and stole a German flag right off the Reich Chancellery. He was preparing for the 1940 Olympics, and closing in on the fabled four-minute mile, when World War II began. Louie joined the Army Air Corps, becoming a bombardier. Stationed on Oahu, he survived harrowing combat, including an epic air battle that ended when his plane crash-landed, some six hundred holes in its fuselage and half the crew seriously wounded.On a May afternoon in 1943, Louie took off on a search mission for a lost plane. Somewhere over the Pacific, the engines on his bomber failed. The plane plummeted into the sea, leaving Louie and two other men stranded on a tiny raft. Drifting for weeks and thousands of miles, they endured starvation and desperate thirst, sharks that leapt aboard the raft, trying to drag them off, a machine-gun attack from a Japanese bomber, and a typhoon with waves some forty feet high. At last, they spotted an island. As they rowed toward it, unbeknownst to them, a Japanese military boat was lurking nearby. Louies journey had only just begun.That first conversation with Louie was a pivot point in my life. Fascinated by his experiences, and the mystery of how a man could overcome so much, I began a seven-year journey through his story. I found it in diaries, letters and unpublished memoirs; in the memories of his family and friends, fellow Olympians, former American airmen and Japanese veterans; in forgotten papers in archives as far-flung as Oslo and Canberra. Along the way, there were staggering surprises, and Louies unlikely, inspiring story came alive for me. It is a tale of daring, defiance, persistence, ingenuity, and the ferocious will of a man who refused to be broken.The culmination of my journey is my new book,Unbroken: A World War II Story of Survival, Resilience, and Redemption. I hope you are as spellbound by Louies life as I am.From Publishers WeeklyStarred Review. From the 1936 Olympics to WWII Japan's most brutal POW camps, Hillenbrand's heart-wrenching new book is thousands of miles and a world away from the racing circuit of her bestselling Seabiscuit. But it's just as much a page-turner, and its hero, Louie Zamperini, is just as loveable: a disciplined champion racer who ran in the Berlin Olympics, he's a wit, a prankster, and a reformed juvenile delinquent who put his thieving skills to good use in the POW camps, In other words, Louie is a total charmer, a lover of life--whose will to live is cruelly tested when he becomes an Army Air Corps bombardier in 1941. The young Italian-American from Torrance, Calif., was expected to be the first to run a four-minute mile. After an astonishing but losing race at the 1936 Olympics, Louie was hoping for gold in the 1940 games. But war ended those dreams forever. In May 1943 his B-24 crashed into the Pacific. After a record-breaking 47 days adrift on a shark-encircled life raft with his pal and pilot, Russell Allen "Phil" Phillips, they were captured by the Japanese. In the "theater of cruelty" that was the Japanese POW camp network, Louie landed in the cruelest theaters of all: Omori and Naoetsu, under the control of Corp. Mutsuhiro Watanabe, a pathologically brutal sadist (called the Bird by camp inmates) who never killed his victims outright--his pleasure came from their slow, unending torment. After one beating, as Watanabe left Louie's cell, Louie saw on his face a "soft languor.... It was an expression of sexual rapture." And Louie, with his defiant and unbreakable spirit, was Watanabe's victim of choice. By war's end, Louie was near death. When Naoetsu was liberated in mid-August 1945, a depleted Louie's only thought was "I'm free! I'm free! I'm free!" But as Hillenbrand shows, Louie was not yet free. Even as, returning stateside, he impulsively married the beautiful Cynthia Applewhite and tried to build a life, Louie remained in the Bird's clutches, haunted in his dreams, drinking to forget, and obsessed with vengeance. In one of several sections where Hillenbrand steps back for a larger view, she writes movingly of the thousands of postwar Pacific PTSD sufferers. With no help for their as yet unrecognized illness, Hillenbrand says, "there was no one right way to peace; each man had to find his own path...." The book's final section is the story of how, with Cynthia's help, Louie found his path. It is impossible to condense the rich, granular detail of Hillenbrand's narrative of the atrocities committed (one man was exhibited naked in a Tokyo zoo for the Japanese to "gawk at his filthy, sore-encrusted body") against American POWs in Japan, and the courage of Louie and his fellow POWs, who made attempts on Watanabe's life, committed sabotage, and risked their own lives to save others. Hillenbrand's triumph is that in telling Louie's story (he's now in his 90s), she tells the stories of thousands whose suffering has been mostly forgotten. She restores to our collective memory this tale of heroism, cruelty, life, death, joy, suffering, remorselessness, and redemption.
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g: 0 Posted By: ctgolfer
Views: 100 Replies: 0 use promo code: VCO and check out with Visa

Brand
Plextor
Series
M5P Xtreme Series
Model
PX-256M5Pro
Device Type
Internal Solid State Drive (SSD)
Used For
Consumer

Physical
Form Factor
2.5"
Capacity
256GB
Memory Components
MLC
Interface
SATA III
Connector
Power Connector: 15-pin SATA connector for DC 5V input
Data Connector: 7-pin SATA connector
Controller
Marvell
Cache
512MB
Height
7mm
Width
69.85mm
Depth
100mm
Weight
70g

Performance
Max Sequential Read
up to 540 MB/s
Max Sequential Write
up to 460 MB/s
4KB Random Read
Up to 100,000 IOPS
4KB Random Write
Up to 86,000 IOPS
MTBF
2,400,000 hours

Features
Features
Latest server-grade Marvell 88SS9187 controller guarantees fast and reliable operation under high loads.

True Speed technology gives sustained long-term performance and prevents SSD speed drop, automatically returning performance to like-new speeds

Automatically uses the new 128-bit error-correction codes built into the latest Marvell controller to ensure the integrity of data.
Unique Robust Data Hold-out Algorithm in Plextor's exclusive firmware provides additional long-term protection for your data.

Supports full 256 bit Advanced Encryption Standard (AES) drive encryption to protect confidential data.

Carefully selected high-quality components, including the latestgeneration controller and exclusive Plextor firmware.

Extremely reliable with a meantime between failures (MBTF) forecast as an impressive 2.4 million hours.

Passes the strict enterprise-grade Zero Error standard of 400 units surviving 500 hours of the toughest continuous testing without a single error or failure.

Every single drive rigorously burn-in tested at elevated temperatures and subjected to accelerated usage simulations for complete drive and flash stability.

Operating System Supported: Microsoft Windows Family / Linux / Mac OS

Agency Approval: UL, CE, BSMI, WHQL, RoHS, FCC, KCC, VCCI

Command Set Support: TRIM, S.M.A.R.T., NCQ, ATA/ATAPI-8

Firmwave Upgrade Supported

www.newegg.com/Product/Product.aspx?Item=N82E16820249033
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g: 2 Posted By: remick
Views: 217 Replies: 0 12000 Word Scramble Puzzles to Improve Your IQ
http://www.amazon.com/dp/B00GL4IKUG/

SOLVING WORD SCRAMBLE PUZZLES IS ONE OF THE BEST WAYS TO MAINTAIN THE BRAIN IN TOP OPERATING CONDITIONS. THE LETTERS IN 12,000 WORDS ARE SCRAMBLED IN ABC ORDER. SOLUTIONS ARE GIVEN FOR ALL PUZZLES. Overall Benefits of Solving Word Puzzles
Improved Effective IQ
The title indicates that these Scramble puzzles are designed To Improve Your IQ. Intelligence Quotient IQ is a scientific assessment of your intelligence. Your IQ is determined by measuring your problem solving abilities, memory, general knowledge, and spatial imagery. The average God-given IQ of an adult is 150. It cannot be increased by medical science, because of the microbiology of the brain. It can, however, be improved. The average effective (day-to-day) IQ is only 100-110, mostly due to neglect lack of brain exercises. Therefore, if you exercise your brain, you can increase your effective IQ. Word puzzles, such as Scramble, provide the necessary mental activity.
Mental Exercise
Word puzzles help expand vocabulary, strengthen word recall, and improve memory. You do not realize while you are working puzzles that you are using thinking skills. Your brain learns new skills and acquires knowledge throughout your life. Mastering puzzle-solving skills improves your thinking.
Scramble puzzles will improve your focus and attention. When you are working on a puzzle, you need an environment that is relatively free of distractions. Puzzle solving is a solitary activity. The concentrated attention you must give to the solution of a Scramble is an excellent skill to develop which can help you in many areas of your life.
Deduction is an important critical thinking skill. Scramble puzzles provide you with an opportunity to learn organizational skill as you apply different solution methods. Practicing the process of elimination seeking and finding possible answers, also requires deduction.
Scramble puzzles provide you with an activity that is not only fun, but also mentally challenging. Your brain needs regular playtime to form new patterns and complex neural networks naturally. Your mind requires nurturing just like your body. After all, exercise is not just about jumping jacks and free-weights. Both your body and your mind need stimulation and exercise. Puzzles are great for mind maintenance and mental stimulation.




10000 Hard Spellrex Puzzles to Improve Your IQ [Kindle Edition]
http://www.amazon.com/dp/B00LJAYYES

As indicated on the cover, this book contains ten thousand hard Spellrex puzzles designed to improve your IQ. Spellrex puzzles are missing letter word games; there are blanks indicating the missing letters. The goal is to find the missing letter(s) and complete the word. Each page in this book contains 40 puzzles and can have from one to four solutions, depending on the level of difficulty. Puzzles are classified by level, from easy to expert. Answers are in reverse order at the bottom of each page.
How to Use This Book
This book of Spellrex puzzles was created with the objective of providing educators, students, and adults with puzzles to stimulate the mind and provide enjoyment. The puzzles are not hard: they do not need long, complicated directions with many examples. One of the benefits of Spellrex puzzles is their entertainment value. So try the methods for solving we have provided for you, or discover one of your own. Either way, the ten thousand puzzles provided are sure to give you days of challenging fun.
Whom Spellrex Puzzles Are For
Educators and Students
Spellrex puzzles can increase vocabulary and improve students spelling skills. There are always new words to learn as you stretch your mind finding the missing letters to fill in the blanks. Spellrex puzzles also strengthen word recall and improve memory.
Seniors
According to the Alzheimer's Association, . . . higher levels of education appear to be somewhat protected against Alzheimer's, possibly because brain cells and their connections are stronger." Spellrex puzzles can keep the brain alert and active.
Everyone
Whatever your age, education level, or ability, Spellrex puzzles can benefit you with their entertainment value and the ability to influence your IQ.



500 Word Snake Puzzles To Improve Your IQ
http://www.amazon.com/dp/B00KFU70IK

Welcome to the world of Word Snake puzzles! All puzzles are fun and entertaining, and this newly created puzzle idea is interesting and stimulating for all ages. Word Snake puzzles not only help you learn new words and definitions, they can improve your memory, increase your effective IQ, enhance your language skills, and exercise your minds muscles for long-term learning.
What is a Word Snake Puzzle?
A Word Snake puzzle is an overlapping words puzzle. Each puzzle is a string of 127 letters. The word overlap is from one to four letters. The objective is the find consecutive overlapping words by following the string from beginning to end. For example, in the string DEVOTIONICES, one finds the words DEVOTION, I, ION, ON, NICE, ICE, and ICES.
Why Do Word Puzzles?
Word puzzles help the mind.
The health benefits of word and logic puzzles can prove worthwhile. Your brain needs regular playtime to form new patterns and complex neural networks naturally. Word puzzles require brain exertion (exercise). Therefore, word puzzles improve memory and encourage better brain function. This can lead to more brainpower, increased skill, and improved concentration and memory.
Scientists have found that the brain actually reorganizes itself in response to new challenges, and a word puzzle provides a challenge. In addition, word puzzles are good for your minds cognitive (thinking and memory) development.
Word puzzles teach problem-solving skills.
Playing puzzles affects the thinking side of your brain, which forces you to solve problems logically. The skill of effective problem solving is a valuable and important one. A puzzle cannot be completed by cheating! An answer is either right or wrong. Therefore, word puzzles teach you to use your own mind to figure out how to think in a logical way to solve problems.
Word puzzles teach perseverance.
Word puzzles can be challenging, requiring practice makes perfect mentality with repeated attempts at solution. The persistence required to continue attempting a challenging puzzle after repeated failures is a great lesson. In addition, once you see how to complete the puzzle very quickly, you still need to practice. Practice is necessary to master the way chosen to solve the puzzle. This teaches you to focus.
Word puzzles teach critical thinking skills.
Working word puzzles requires an alert mind. Word puzzles promote thinking and stimulate the brain. They encourage the mind to exercise and sharpen cognitive skills.
Deduction is an important critical thinking skill. The puzzles in this book are perfect for learning organizational skills and practicing the process of elimination. Answers need to be sought and found. Thus, you must focus to deduce answers.
Working independently on a puzzle helps develop a sense of responsibility. As you work word puzzles, you will often develop a strategy to work each puzzle faster and more efficiently. This helps you learn to achieve small goals as a means toward a larger goal. Building an individual learning strategy helps you reach conclusions, an important critical thinking skill.



Lapple Puzzle Book #1: 1000 Overlapping Words Puzzles (LAPPLE IQ PUZZLES)
http://www.amazon.com/dp/B00FKR7PXI

HAVE INFINITE FUN WITH SOLVING LAPPLE PUZZLES & PUT YOUR BRAIN IN TOP OPERATING CONDITION! SOLUTIONS ARE PROVIDED FOR EACH PUZZLE.
Welcome to the world of lapple puzzles! All puzzles are fun and entertaining, and this newly created puzzle idea is interesting and stimulating for all ages. Lapple puzzles not only help you learn new words and definitions, they can improve your memory, increase your effective IQ, enhance your language skills, and exercise your minds muscles for long-term learning.
What is a Lapple Puzzle?
A lapple puzzle is an overLAPPing words puzzle. Each puzzle is a string of 127 letters. The word overlap is from one to four letters. The objective is the find consecutive overlapping words by following the string from beginning to end. For example, in the string DEVOTIONICES, one finds the words DEVOTION, I, ION, ON, NICE, ICE, and ICES.
Why Do Word Puzzles?
1. Word puzzles help the mind.
The health benefits of word and logic puzzles can prove worthwhile. Your brain needs regular playtime to form new patterns and complex neural networks naturally. Word puzzles require brain exertion (exercise). Therefore, word puzzles improve memory and encourage better brain function. This can lead to more brainpower, increased skill, and improved concentration and memory.
Scientists have found that the brain actually reorganizes itself in response to new challenges, and a word puzzle provides a challenge. In addition, word puzzles are good for your minds cognitive (thinking and memory) development.
2. Word puzzles teach problem-solving skills.
Playing puzzles affects the thinking side of your brain, which forces you to solve problems logically. The skill of effective problem solving is a valuable and important one. A puzzle cannot be completed by cheating! An answer is either right or wrong. Therefore, word puzzles teach you to use your own mind to figure out how to think in a logical way to solve problems.
3. Word puzzles teach perseverance.
Word puzzles can be challenging, requiring practice makes perfect mentality with repeated attempts at solution. The persistence required to continue attempting a challenging puzzle after repeated failures is a great lesson. In addition, once you see how to complete the puzzle very quickly, you still need to practice. Practice is necessary to master the way chosen to solve the puzzle. This teaches you to focus.
4. Word puzzles teach critical thinking skills.
Working word puzzles requires an alert mind. Word puzzles promote thinking and stimulate the brain. They encourage the mind to exercise and sharpen cognitive skills.
Deduction is an important critical thinking skill. The puzzles in this book are perfect for learning organizational skills and practicing the process of elimination. Answers need to be sought and found. Thus, you must focus to deduce answers.
Working independently on a puzzle helps develop a sense of responsibility. As you work word puzzles, you will often develop a strategy to work each puzzle faster and more efficiently. This helps you learn to achieve small goals as a means toward a larger goal. Building an individual learning strategy helps you reach conclusions, an important critical thinking skill.
5. Word puzzles build self-confidence.
Solving puzzles teaches the ability to overcome problems. A puzzle solver usually gets frustrated at first when they try to solve puzzles, but that feeling lessens as they solve more and more puzzles. When you finally solve a puzzle, you experience a sense of accomplishment.
Once you successfully complete a puzzle, you will most likely be happy to try another one. Then, the more you complete word puzzles, the more you will be able to do so quickly. If you have fun and success in word games, you will feel more secure and comfortable, and thus more self-confident.
The lapple puzzles in this book teach the importance of how to work through difficulties and cope with impatience or anxiety.



Puzzles for Alzheimer's Patients
http://www.amazon.com/dp/B00KKUUYII/

PUZZLES FOR ALZHEIMER'S PATIENTS IS FROM GRADE 2 ON TO ANY AGE PERSON IN NEED OF LIGHT PUZZLES FOR BRAIN IMPROVEMENT AND MAINTENANCE. THE DIAGONAL WORD SQUARE PUZZLE HAS A WORD IN EACH ROW AND ON THE DIAGONAL WITH SOME LETTERS REMOVED IN A RANDOM FASHION. THE OBJECTIVE IS TO COMPLETE THE SQUARE. SOME PUZZLES MAY HAVE MORE THAN ONE SOLUTION.
THE FOLLOWING PUZZLE TYPES ARE IN THIS BOOK:
3x3 DIAGONAL WORD SQUARE PUZZLES
4x4 DIAGONAL WORD SQUARE PUZZLES
5x5 DIAGONAL WORD SQUARE PUZZLES
THERE ARE 760 PUZZLES IN THE BOOK ALTOGETHER PROVIDING ENDLESS FUN.



BASEBALL TRIVIA
http://www.amazon.com/dp/B00DIOQC7A

Do you know which catcher has the highest batting average in a season? Or which rookie holds the record for the most strikeouts in a season?
This challenging trivia book will give you and your friends hours of fun! Break it out the next time your know-it-all buddy starts bragging about how he knows everything there is to know about baseball.



SPORTS TRIVIA (Sorta-Easy Edition)
http://www.amazon.com/dp/B00EZAYBVU/

Who is the only NBA player to average more than 50 points per game in a season?
Which football team won the first 2 Super Bowl games, in 1967 and 1968?
Which racehorse won the 1973 Belmont Stakes by an astonishing 31 lengths?
These are just 3 of the 201 challenging questions that will give hours of entertainment to you or the football fan in your life. This is the 9th book in the Todd Brock Trivia series... please check the other books out as well!



Popular Songs Word Search 150 Puzzles: Book 7
http://www.amazon.com/dp/B00MNU5VD6

This book contains 17x17 popular songs word search puzzles designed to improve your intelligence quotient (IQ). Songs performed by Elvis Presley, Frank Sinatra, The Beatles, Dolly Parton, Madonna, The Beach Boys and many more artists & bands. You cannot change your IQ; it is a measure of the intelligence you already have. However, the IQ you use on a daily basis your effective IQ can be increased. Doing so can help you be more successful in your personal relationships, as it increases your ability to solve and overcome problems. Additionally, you will find that as you increase your effective IQ, you can become more successful on your job as you strive to gain professional success. Each music themed puzzle has 20 titles for search. The puzzles are hard in difficulty.
This book contains 150 word search puzzles, with one puzzle on each page. The method for solving each puzzle should be familiar to you if you have worked word search puzzles before. However, the format is unique. Each puzzle has 20 words listed in a table. The word search puzzle is above the list of words in a box of letter squares seventeen letters by seventeen letters. The solutions can be found vertically, horizontally, or diagonally, either forward or in reverse order.
How to Solve Word Search Puzzles
In order to achieve success at any task, one needs to know the best way to accomplish the goal of that task. With word search puzzle solving, the goal, of course, is to solve the puzzle. To do so, there are a number of methods one can use. They are as follows:
Take a Quick Look
Glance at the puzzle and mark the ones you see immediately first.
Develop a Strategy
As you work your word search puzzle, a strategy will help you to work faster and more efficiently
1) Check beginning letters.
One successful strategy is to look for the beginning letter of the word for which you are searching. Then look at the box immediately to the left and right, above and below, and in both diagonal directions for the remaining letters. At this point, you should see the complete word.
2) Work each row in one direction.
For example, work all the rows across first. Then choose another direction, maybe backwards across. Continue until the puzzle is completed.
3) Work the list.
Some word search puzzle solvers simply work down the list, looking for each word. Of course, you want to go ahead and mark any other words you see.
Work in sections.
Whichever method of solution you choose, work your word search puzzle in sections. You dont want to repeatedly do the same area of your puzzle.
Take a break.
If you get stuck, stop and come back to the puzzle later.
Work cooperatively.
You can work a puzzle as a cooperative effort. Working with someone else can be fun and make puzzle solving easier.



HOW TO STRATEGIZE FOR GAMES: game play, play game, play games, games play, games download, games to download, play games
http://www.amazon.com/dp/B00MMNGPAC/

Strategy games, do you play them, or are you an avid fan, well this book is for you. You will learn about the strategy game basics and quick glimpse in the wonderful world of strategy game. Educate yourself about campaigns and what every strategy game player should know. Educate yourself about campaigns and what every player should know. Campaign aspects and what characterize one, discover them in this book. Tutorials, do you know how to use them. Well read on, and learn how they will help you to have the best strategy game experience. Know the resources and how to use them to your advantage. Patterns will also be explored in this book as well as the consequences involved. Colonies and objectives is another aspect that will make the game experience better. Find out why objectives and colonies vary for every strategy game. Minions, wonder what that is, you definitely will find out by turning the page and learn about their role in strategy game. Need to know the spice and thrill in every strategy game, well read on. Minions, combats and forces work together learn how. Ever been a hero in a strategy game, no! Discover how and what it takes to be one. This book is a must read for all strategy games lovers.
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White Sierra Rocky Ridge II Shorts - Men's $16.96 Campmor Fs on $50+
Added on : Wednesday August 13th 2014 10:00:05 PM
g: 0 Posted By: tedhawkins
Views: 178 Replies: 0 White Sierra Rocky Ridge II Shorts - Men's $16.96 Campmor Fs on $50+

http://www.campmor.com/outdoor/gear/Product___63146

You'll be ready for that big hike wearing the White Sierra Rocky Ridge II Shorts. The UPF rated nylon fabric promotes quick drying performance, should you get splashed while scampering across that babbling brook. Two front slash pockets, Velcro fastener secure back pockets, plus two side cargo pockets will hold all your gear.

Constructed of 100% nylon faille woven fabric
UPF sun protection fabric shields skin from the sun's harmful ultraviolet rays
Quick-drying comfort
Lightweight wicking fabric keeps you dry and comfortable
Travel friendly
Comfort-fit side elastic
Secure side cargo pockets
Velcro fastener secure back pockets
Avg. inseam: 8 in.
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Discover $100 cashback, targeted
Added on : Friday August 08th 2014 02:00:01 AM
g: 0 Posted By: drzeyas
Views: 270 Replies: 0 I hadn't used my card in about 5 months and yesterday received a benign-looking envelope that I dont think even said "discover" on it, containing instructions to log in or phone to activate the promo below:
===============================================================================================================================================
Here's how you can earn the extra $100 CashBack BonusEnroll by September 1, 2014 and make a minimum $1,000 in purchases by October 31, 2014. Discover is not responsible for merchant delays in processing transactions. This offer is in addition to the CashBack Bonus you already earn on purchases with your Discover card. Rewards are added to your CashBack Bonus account within 8 weeks of October 31, 2014. If you need more information on this offer, please call 1-800-Discover.Here's how you earn CashBack Bonus on every purchase You can earn 5% CashBack Bonus on category purchases up to the total purchase dollar amount specified in each program. Categories change throughout the year every three months and include movies, gas and restaurants. You must sign up for each 5% program.
You automatically earn 1% CashBack Bonus on all your other purchases after your first $3,000 in qualifying annual purchases. Your first $3,000 in qualifying annual purchases and warehouse purchases earn 0.25%.
You can also earn 5% to 20% CashBack Bonus at top online retailers through our exclusive online shopping mall, ShopDiscover.com.Reasons why your CashBack Bonus account will be forfeitedYour CashBack Bonus rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make any Minimum Payment Due for two consecutive billing periods, any CashBack Bonus in your CashBack Bonus account will be forfeited.International purchases under this offerInternational transactions are qualifying purchases under this offer. For a full list of countries where you can use your Discover card, visit Discover.com/international.Transactions that do not qualify under this offerBalance Transfers, Cash Advances or Cash Over are not qualifying transactions under this offer.
==================================================================================================================================So this is 10% CashBack if proceeding to the legit way as described above. Not too shabby, considering that we've all seen better promos from other credit cards over the past year compared to their quarterly 5% CashBack promos. If you have multiple discover cards that you haven't been using, good luck!


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g: 0 Posted By: ctgolfer
Views: 161 Replies: 0 Reflex Mesh construction - Guaranteed not to kink or tangle. Protected with MicroShield - guards against mold and mildew that can cause hose deterioration. Solid brass octagon coupling provides a wrench-tight, no-leak connection.
Craftsman Garden Hose Full Warranty
If this Craftsman garden hose ever fails to provide complete satisfaction, return it to any Sears store or other Craftsman outlet in the United States for Free Repair or replacement.
This warranty applies for only 90 days from the date of purchase if this product is ever used for commercial or rental purposes.

www.sears.com/craftsman-heavy-duty-neverkink-reg-self-straighten...
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Methodology used to calculate FICO scores changing
Added on : Thursday August 07th 2014 08:00:04 PM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 0 A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans.

Fair Isaac Corp. FICO -1.19% said Thursday that it will stop including in its FICO credit-score calculations any record of a consumer failing to pay a bill if the bill has been paid or settled with a collection agency. The San Jose, Calif., company also will give less weight to unpaid medical bills that are with a collection agency.

The moves follow months of discussions with lenders and the Consumer Financial Protection Bureau aimed at boosting lending without creating more credit risk. Since the recession, many lenders have approved only the best borrowers, usually those with few or no blemishes on their credit report.

As of July, about 64.3 million consumers in the U.S. had a medical collection on their credit report, according to data from credit bureau Experian. And of the 106.5 million consumers with a collection on their report, 9.4 million had no balanceand won't be penalized under the new credit-score system.

FICO Recalibrates Its Credit Scores

Interesting... looks like lenders are running out of people to loan money to and reaching into the bottom of the barrel.

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
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g: 0 Posted By: remick
Views: 34 Replies: 0 http://www.amazon.com/dp/B00GNOCIO8/

4.7 out of 5 stars (83 customer reviews)

There are many true things about youtrue things you use to build an identity. Parent. Introvert. Victim. Student. Extrovert. Entrepreneur. Single.

These truths can identify you, your successes and failures, your expectations and disappointments, your secret dreams and hidden shames. But what if your true identity isn't found in any of these smaller truths, but in the grand truth of who God says you are? In other words, lots of things are true about youbut are they the truest?

David Lomas invites you to discover and live out the truth of who God created you to be: you are loved, you are accepted, and you are made in God's image. It's time to move beyond the lesser voices and discover why everything changes when you become who you really are.
--
David Lomas serves as the lead pastor at Reality in San Francisco, a church community that started in 2010 in the Castro District. He lives, with his wife Ashley, in one of the most unchurched cities in the nation, but one that is bursting with new life and grace of God. The Reality family of churches is a growing movement committed to relational church planting and serving the broader body of Christ.
g: 0 Posted By: tedhawkins
Views: 130 Replies: 0 Guns - Steel Ruger Mark III & 22/45 Magazine Disconnect Bushing $7.99 + $4.49 Flat shipping

http://www.gearhog.com/

Deal Overview
At a glance:
Magazines will slip right out
Easier takedown and cleaning
Can reduce failure to feeds
Comes with colored installation instructions

This high quality 304 stainless steel bushing is made for high duty cycle shooting and replaces the Ruger factory bushing allowing you to safely remove the Magazine Disconnect from the firearm. There are instructions on the internet showing the use of washers and other parts, but this is unreliable and unsafe! Use an actual part that is designed for the job. This bushing lets the hammer move properly and at the correct speed. You will be pleased with the fit and final result with this bushing. If you know how to clean this gun you can easily remove the disconnect. Removing the disconnect allows the magazines to fall free, allows them to seat properly and does allow the gun to fire with the magazine out for tactical competition and self-defense scenarios. Check to see if your state requires the magazine disconnect installed if the firearm is ever resold.
Supported Model List:

MKIII -ALL MODELS!
MKIII 22-45
MKIII 22-45 Competition
MKIII 22-45 Government Target
MKIII 22-45 Target
MKIII Competition
MKIII Government Target
MKIII Target
MKIII LITE
MKIII Hunter
Don't forget, all TANDEMKROSS MKIII series bushings come with a LIFETIME guarantee!
g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 use promo code: VCO and check out with Visa

Brand
Kingston
Series
SSDNow V300 Series
Model
SV300S37A/240G
Device Type
Internal Solid State Drive (SSD)
Used For
Consumer

Physical
Form Factor
2.5"
Capacity
240GB
Interface
SATA III
Height
7mm
Width
69.85mm
Depth
100mm
Weight
86g

Performance
Max Sequential Read
Up to 450 MB/s
Max Sequential Write
Up to 450 MB/s
4KB Random Read
Up to 85,000 IOPS
4KB Random Write
Up to 43,000 IOPS
MTBF
1,000,000 hours

Features
Features
Fast - 10x faster than a 7200RPM hard drive

High Quality - features an LSI SandForce controller customized for Kingston

Reliable - with no moving parts, solid-state drives are less likely to fail than standard hard drives

Economical design optimized to make migrating to an SSD more affordable

Convenient - all-in-one kits with all the components for easy installation

Multiple capacities - to fit your workload

Environmental
Power Consumption (Idle)
0.640W
Power Consumption (Active)
1.423 W Read / 2.052 W Write
Operating Temperature
0C ~ +70C
Storage Temperature
-40C ~ +85C
Max Vibration Resistance
Vibration operating: 2.17G Peak (7-800Hz)
Vibration non-operating: 20G Peak (10-2000Hz)

www.newegg.com/Product/Product.aspx?Item=N82E16820721108
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2001 Chrysler Town and Country failed smog test in CA. Advice?
Added on : Monday August 04th 2014 05:00:09 PM
g: 0 Posted By: vikasdua
Views: 171 Replies: 2 !!!!!THIS IS MY FIRST POST AND I HOPE I AM PUTTING IT IN THE RIGHT SECTION. IF NOT, APOLOGIZE IN ADVANCE.!!!!!

Background:
I have a 2001 Chrysler Town and Country that I brought used from a private party in Oct 2010. While I was inspecting the car, the engine light was on (code: P072 which means engine running rich). The owner replaced 2 oxygen sensors and showed me the receipt of the work done and I bought the car in 2010. I bought this car using craigslist and paid cash for the car. Ever since I drove the mini van from the sellers house it has been having intermittent issues with the engine light (same error code). Over the years I have tried to get this issue fixed and spend about $1000/- but was never able to resolve the issue. The last time I had to do a smog i.e in 2012 I was lucky that the engine light was off and the van passed smog.

Current Situation
The smog check was due and when I was getting the smog test the engine light came on with the same code (P072) and the car failed smog. I decided to try my luck and took it to Big O tires to try and fix it and they replaced another oxygen sensor that cost me $273/- but the problem came back.

Question:
I cannot sell it to a private party in CA without passing the SMOG test. The KBB value for the van is between $2800-$3300. I have an appointment with Big O Tires on Friday for them to try and diagnose the problem and I have a strong feeling that they will recommend replacing something else that will cost me more money but will not eliminate the problem.

What do you guys recommend? Try my luck and change another part OR donate it and get a tax write off OR sell it for parts?




Question Deals
g: 1 Posted By: ctgolfer
Views: 109 Replies: 0 Brand
Kingston
Series
SSDNow V300 Series
Model
SV300S37A/120G
Device Type
Internal Solid State Drive (SSD)
Used For
Consumer

Physical
Form Factor
2.5"
Capacity
120GB
Interface
SATA III
Height
7mm
Width
69.85mm
Depth
100mm
Weight
86g

Performance
Max Sequential Read
Up to 450 MB/s
Max Sequential Write
Up to 450 MB/s
4KB Random Read
Up to 85,000 IOPS
4KB Random Write
Up to 55,000 IOPS
MTBF
1,000,000 hours

Features
Features
Fast - 10x faster than a 7200RPM hard drive

High Quality - features an LSI SandForce controller customized for Kingston

Reliable - with no moving parts, solid-state drives are less likely to fail than standard hard drives

Economical design optimized to make migrating to an SSD more affordable

Convenient - all-in-one kits with all the components for easy installation

Multiple capacities - to fit your workload

Environmental
Power Consumption (Idle)
0.640W
Power Consumption (Active)
1.423 W Read / 2.052 W Write
Operating Temperature
0C ~ +70C
Storage Temperature
-40C ~ +85C
Max Vibration Resistance
Vibration operating: 2.17G Peak (7-800Hz)
Vibration non-operating: 20G Peak (10-2000Hz)

www.newegg.com/Product/Product.aspx?Item=N82E16820721107
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g: 0 Posted By: hellokitty27
Views: 203 Replies: 0 Neiman Marcus Last Call has the Neiman Marcus Pebbled Faux Leather Turnlock Clutch for $35.00 w/ $5.00 shipping. Available in Cobalt Blue, Cognac or Black.

Golden hardware
Removable golden chain shoulder strap w/ 18" drop
Flap top with turnlock closure
Interior, faille lining; one zipper pocket
Exterior, open pocket at front
8-in. H x 12-in. W x 1-in. D

Purse Deals
g: 2 Posted By: ctgolfer
Views: 151 Replies: 0 Join the expedition visiting legendary Candy Man Willy Wonka (Gene Wilder) in a splendiferous movie that wondrously brings to the screen the endlessly appetizing delights of Roald Dahl's classic book. Coated with flavorful tunes and production design that constantly dazzles the eye, this effervescent musical never fails to enchant young and old. On a whirlwind tour of Willy's incredible, edible realm of chocolate waterfalls, elfish Oompa-Loompas and industrial-sized confections, a boy named Charlie (Peter Ostrum) will discover the sweetest secret of all: a generous, loving heart. And you'll rediscover the timeless magic of a delicious family classic.

Subtitles: English (Closed Captioned), French and Spanish, Mouthwatering Commentary with the Wonka Kids, Stills Gallery, Theatrical Trailer.

Scrumptious Documentary: "Pure Imagination: The Story of 'Willy Wonka & the Chocolate Factory'; 4 Sing-Along Songs; Vintage 1971 Featurette.

www.walmart.com/ip/Willy-Wonka-And-The-Chocolate-Factory-40th-An...
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Walmart Coupons
Gorilla 16,800 mAh Battery Pack w/LED Screen $39.99 @ Woot
Added on : Wednesday July 30th 2014 10:00:06 PM
g: 0 Posted By: ctgolfer
Views: 220 Replies: 2 shipping adds $5

Battery capacity: 16,800 mAh
Life cycle: > 500 charge cycles
Charging time: About 15 to 18 hours
Input: DC 5V / 1A ; Output 1: DC 5V / 2A; Output 2: DC 5V / 1A
Built-in flashlight: Double press to turn it on/off
Please DO NOT charge Uhuru with a MacBook! Your MacBook may shut down immediately for self-protection due to the high charging current.
Dimension: 5.7" x 2.95" x 0.86"
Weight: 12.2 oz
Manufacturer Note to iOS 7 Users: At no extra charge, we have included a lightning adapter for Apple users. To keep the price of Uhuru! reasonable, we cannot provide a MFi certified lightning adapter. However, our third-party lightning adapter works with all iOS 7 updates so far (through iOS 7.0.6). You should be aware that third-party lightning adapters may fail to work with the future iOS updates. In that case, you will need to use the lightning cable supplied to you with your device, or purchase a backup spare cable or adapter at your local Apple Store.

Compatible Models:

Apple: iPhone 5s / iPhone 5c / iPhone 5 / iPad 4 / iPad Mini (Lightning adapter included) / iPhone 4S / iPhone 4 / iPhone 3GS/ ipod touch / classic / nano / iPad 2 / iPad 3
Samsung: Galaxy S4 / S3 / S2 / Galaxy Note Series / Galaxy Nexus 4G / Infuse / Exhibit
HTC: One / One X, S, V / 8X / Sensation, Sensation XE XL / EVO 4G / Radar 4G / Inspire 4G / ThunderBolt / Incredible 2 S
Motorola: Droid Razr HD / Droid DNA / Droid Series / Bionic / Atrix Series
LG: Optimus F7 / F5 / F3 / G2X / Enlighten / MyTouch Q
Nokia: Lumia 920 / 900
Others: GoPro / Amazon Kindle / Kindle Fire / Google Nexus 4, Nexus 7 / Nook Tablet
In the box:

Gorilla Gadgets CHR-150 Uhuru! 16800 mAh Portable Charger
Micro-USB extension cable
Apple 30-pin to Micro-USB adapter
Exclusive bonus: Apple lightning to micro-USB adapter ($19.99 value)

www.woot.com/offers/gorilla-16-800-mah-battery-pack-w-led-screen...
Batteries & Chargers Deals

woot! Coupons
Help Dividing Home Equity between 3 People
Added on : Tuesday July 29th 2014 02:00:05 PM
g: 0 Posted By: TacoSmith
Views: 123 Replies: 10 Hello FWFers. I need help finding a formula to divide up the profit from selling a house between myself, my wife, and her sister. I would love your assistance in finding a fair way to divide up whatever profit we make from selling the house.

My wife and sister bought a house together in June 2009 for $109,000 via an FHA loan. I'm still trying to find the down payment amount. They didn't keep good records.
My wife (then fiance) and I refinanced the house in our names in July 2013 (one month prior to our marriage) for $104,600 (30 year fixed) with a new lender. Her sister moved out the following month (job loss months earlier, couldn't afford her share of the rent). The cursory appraisal was $120,000.
My wife and I have been the only ones paying rent from July 2013 until now
We've spent $1000 in repairs during that time to get the house presentable to sell.
We've listed the house at $130,000 based upon comparables from our realtor.

I have no clue how much we'll have after selling since it hasn't sold yet, but I'd like to get some kind of formula in place to divy up the profit fairly. My father-in-law is trying to suggest a 50/50 split, but that fails to take into account the 12 months that I've been paying on the mortgage and the repairs we've done to get the house in sell-able condition.. Can anyone help me out in this regard?

I will do my best to provide any additional information that I can locate. I've tried doing Google searches, but they only seem to deal with divorces and selling estates that were inherited. Thank you for your time.
Question Deals
Free Game on Steam - Only If (first person adventure-puzzle game)
Added on : Tuesday July 29th 2014 06:00:10 AM
g: 0 Posted By: remick
Views: 113 Replies: 0 http://store.steampowered.com/agecheck/app/298260/

Only If is a surreal first person adventure-puzzle game. You play as Anthony Clyde, who, after a heavy night of partying, wakes up to find himself in an unfamiliar bed with no memory of the previous night's events. Unfortunately, escaping these unfamiliar, opulent surroundings will prove to be no easy task, as an unseen, menacing, radio-bound antagonist will stop at nothing to block Anthony's path at every turn.

The game's mechanics are designed to be experimental and unpredictable, to defy the logic of "What you see is what you get". Is the environment changing around you, or is it your imagination? Will jumping to your death kill you, or will it save you? Could the wrong answer actually turn out to be the right answer?

In Only If, you will fail a lot, you will die a lot, and you will undoubtedly be confused. Or will you?
Totally Free Deals
replacing or rebuilding transmission
Added on : Sunday July 27th 2014 04:00:07 PM
g: 0 Posted By: davidbeckham
Views: 87 Replies: 1 I had my transmission with only 70K miles out from my Kia 2008 spectra a few weeks ago and was quoted from $1200-1800 for repair in NYC, and I ended up paying $1200 for them putting in a used one with 50K miles on it. There is a couple things I noticed while shopping around. Some Auto Body was only offering me for rebuilding tranny for $1600-1800, and others told me that usually they would look for a used one first and then if there wasn't any available they would look into the rebuilt option because a high percentage of rebuilt transmissions fail after a year or two . I understand that rebuilding costs more so that the shop would earn more from labor. Other than that, Is there any incentive for shops to push for rebuilding rather than getting a used one? Why did those shops not like to offer a used replacement first? I am trying to get some insight into this industry and figure out who is the honest guy here.
Question Deals
Free Kindle Medical Books
Added on : Wednesday July 23rd 2014 07:00:11 AM
g: 0 Posted By: remick
Views: 104 Replies: 0 Multiple Sclerosis: A Comprehensive Review
http://www.amazon.com/gp/product/B00HNYSFD0

Chronic Pain Syndromes: Current Concepts and Treatment Strategies
http://www.amazon.com/Chronic-Pain-Syndromes-Treatment-Strategie...

Renal Disease and Failure
http://www.amazon.com/Renal-Disease-Failure-Carol-Whelan-ebook/d...

Prediabetes: An Opportunity to Prevent Diabetes
http://www.amazon.com/gp/product/B009F1K8NO

Paralysis Resource Guide
http://www.amazon.com/gp/product/B00E0J2WMG

Palliative Care and Pain Management at the End of Life
http://www.amazon.com/gp/product/B0097J6OUA

Chronic Pain Syndromes: Current Concepts and Treatment Strategies
http://www.amazon.com/gp/product/B00EZA2P6S/

Autoimmune Diseases
http://www.amazon.com/gp/product/B00A0M6F5M

Epidural Without Guilt: Childbirth Without Pain
http://www.amazon.com/gp/product/B004IZLZVQ/

Book 1: Genetics and Development for the Pediatric Anesthesiologist (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FJ3TQ2G

Book 2: Pharmacology for the Pediatric Anesthesia Provider (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FLKR8DG

Book 3: The Pediatric Airway and Thoracic Surgery (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FEZLSGQ

Book 4: The Cardiovascular System and Cardiac Surgical Procedures (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FDI8WL8

Book 5: The Nervous System and Neurosurgery (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FKZ1LD0

Book 6: Gastrointestinal and Urologic Surgery (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FKNJRGK

Book 7: Endocrine, Orthopedic, and Ophthalmologic Surgery (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FJRQHNI

Book 8: Hematology and Oncology (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FIX1GJS

Book 9: Neonatal Anesthesia (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FDKT7ZQ

Book 10: Pediatric Pain Medicine (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/Book-10-Pediatric-Medicine-Anesthesiology-...

Book 11: Special Topics in Pediatric Anesthesiology (Pediatric Anesthesiology Review Topics)
http://www.amazon.com/gp/product/B00FJRQ8VE



Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 178 Replies: 0 If this Craftsman garden hose ever fails to provide complete satisfaction, return it to any Sears store or other Craftsman outlet in the United States for Free Repair or replacement
This warranty applies for only 90 days from the date of purchase if this product is ever used for commercial or rental purposes.
5/8 In. X 50 Ft.

www.sears.com/craftsman-heavy-duty-neverkink-self-straightening-...
Tools Deals

Sears Coupons
9 Free Digital Valiant Comics from Comixology
Added on : Tuesday July 15th 2014 07:00:05 AM
g: 0 Posted By: remick
Views: 18 Replies: 0 http://comicbook.com/blog/2014/07/14/valiant-makes-their-1-issue...

In celebration of The Valiant, Valiant's upcoming, prestige format mini-series from superstar creators Jeff Lemire, Matt Kindt, and Paolo Rivera, the publisher announced today that they are making nine of its biggest #1 issues available as FREE downloads on comiXology for the month of July.

From now through July 31st, jump on board each of Valiant's ongoing series with an all-access pass to some of the publisher's most acclaimed #1 debuts, from Archer & Armstrong to X-O Manowar.

Here are the links and descriptions, as provided by Valiant:

ARCHER & ARMSTRONG #1 by Fred Van Lente & Clayton Henry

It's history in the breaking! Eighteen-year-old adventurer Obadiah Archer and the immortal miscreant currently called Armstrong will have to work together if modern civilization is to stand any chance of surviving a centuries-old conspiracy that stretches from the catacombs beneath Wall Street to the heights of the Himalayas!

NOTE: Archer & Armstrong is reportedly being developed as a feature film.

BLOODSHOT #1 by Duane Swierczynski & Manuel Garcia

Heroes aren't bornthey're built. Brought back from the dead and infused with cutting-edge nanotechnology, the walking weapon of mass destruction now known as Bloodshot has escaped his handlers at Project Rising Spirit and vowed to bring war down up his mastersbut first he'll have to figure out where the programming ends and the real "him" begins.

NOTE: Bloodshot is being developed as a feature film, to be directed by X-Men: First Class's Matthew Vaughn.

ETERNAL WARRIOR #1 by Greg Pak & Trevor Hairsine

Soldier. Guardian. Warrior. Legend. Across ten millennia and a thousand battlefields, Gilad Anni-Padda has traversed the darkest, most mysterious corners of history. But the horror and bloodshed of constant warfare has finally taken its toll on the man who vowed to serve the Earth as its Eternal Warriorand soon his oath will bring an ancient war roaring down on modern day.

HARBINGER #1 by Joshua Dysart & Khari Evans

Read minds. Bend steel. Break all the rules. Runaway teenager Peter Stanchek is on a dangerous path. Skipping across the country in a desperate attempt to stay one step ahead of the authorities, Peter is quickly realizing that hes a telekinetically powered harbinger with the potential to reshape the course of human history. His first lesson? All power comes with a price.

QUANTUM AND WOODY #1 by James Asmus & Tom Fowler

KLANG! Once upon a time, Eric and Woody Henderson were inseparable. Adopted brothers. Best friends. Brilliant minds. Years later, they are estranged siblings, petty rivals, and washed-up failures. But when their fathers murder leads them into the throes of a life-altering scientific accident, Eric and Woody will find themselves with a whole new purpose and a perfectly legitimate reason to wear costumes and fight crime.

RAI #1 by Matt Kindt & Clayton Crain

Japan in the 41st century! The year is 4001 A.D. led by the artificial intelligence called Father, the island nation of Japan has expanded out of the Pacific and into geosynchronous orbit with the ravaged Earth below. With billions to feed and protect, it has fallen to one solitary guardian to enforce the law of Fathers empire the mysterious folk hero known as Rai.

SHADOWMAN #1 by Justin Jordan & Patrick Zircher

There are a million dreams in the Big Easy. But now its worst nightmare is about to come true. As the forces of darkness prepare to claim New Orleans as their own, Jack Boniface must accept the legacy he was born to uphold. As Shadowman, Jack is about to become the only thing that stands between his city and an army of unspeakable monstrosities from beyond the night.

Note: Shadowman has a feature film in development written by J.M. Straczynski.

UNITY #1 by Matt Kindt & Doug Braithwaite

The worlds most dangerous man, Toyo Harada, has been struck by the one thing he never thought possible fear. Halfway across the globe, a new power threatens to topple modern civilization and, to preempt the cataclysm that is to come, Harada will unite the most lethal, most volatile, most unforgiving team the world has ever known UNITY. Their mission: defeat the warrior king armed with the universes most powerful weapon. Kill X-O Manowar!

X-O MANOWAR #1 by Robert Venditti & Cary Nord

Born into battle, Aric of Dacia heir to the throne of the Visigoth people has never known peace. After a brutal encounter with a mysterious enemy known as The Vine leaves him a prisoner on an alien world, the only hope Aric has of returning to his family and saving them from slavery is to seize armored suit capable of incalculable destruction and become X-O Manowar!
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/dp/B008B9G7WM/

4.4 out of 5 stars (33 customer reviews)

Are you looking for the easiest way to start running or have started running before and found it too hard? If your answered yes to either of these questions then Running for Beginners: The easiest way to start running is the book is for you. This running book will guide you along the track to becoming a successful runner by giving you the knowledge and an easy to follow program.


Do you know what three things you need to buy before you even set foot out of the door?
Running is the cheapest sport that you can take part in and you only need a few key pieces of kit to get on the road. The Running for Beginners book discusses these three items so you can go shopping with knowledge.

Do you know what intervals are and how they can get you running for 30 minutes?
Intervals are a training technique used by amateurs and professionals alike to improve their performance. If you are a beginner you can use intervals to start running painlessly and without injury on the way.

Do you know why most people often fail at running?
How many times have you started running only to give up? How many people do you know that have done the same? This book explains why people often fail but it will set you up and give you the tools you need to succeed at running.

The whole ethos of the Running for Beginners and the Running4B training program is to remove the obstacles that often trip up new runners when they are starting out. The book covers everything you need to know to get you running for 30 minutes continuously.

After reading this book you will:

Know what you can gain from running
Know what to wear to be comfortable when out running
Know how to be a consistent runner
Know how to run correctly
Have an easy to follow program - The Running4B Program
Know how to measure progress
Know how to keep motivated
Have access to the downloads area on the support website for free!
Totally Free Deals
Clearance Sears Corona 31" Dual Cut Lopper $19.97
Added on : Monday July 14th 2014 09:00:03 AM
g: 0 Posted By: CreveCoeur
Views: 289 Replies: 0 Corona 31" Dual Cut Lopper $19.97

Goes for around $50 at Amazon - coupons don't seem too work with it as its Clearance.~~
Description Item # 07183720000P Model # SL 718031" Dual Cut LopperPatent pending power and precision cutting zones for enhanced performance
Fully heat treated forged construction for strength
Trapezoidal steel handles are lightweight and ergonomic
No-fail metal end caps on the handles make it easy to gather clippings
Integrated shock absorbing bumper is replaceable
2" cutting capacityLifetime limited warranty

Garden Deals

Sears Coupons
g: 0 Posted By: Deals4mykids
Views: 158 Replies: 1 Faster - improves speed of loading applications and system boot upInternal transfer rate: 450Mbps (read), 450Mbps (write)

Reliable - with no moving parts, solid-state drives are less likely to fail than standard hard drives
Economical - design optimized to make migrating to an SSD moreaffordable
Multiple capacities - to fit your workload

Form Factor - 2.5-inch drive available in 7.0mm with plastic adapter to fit in 9.5mm system

SSDNow V300 features an LSI SandForce controller customized for Kingston and optimized for next-generation Flash memory to deliver the utmost in quality and reliability. Because its made with solid-state components and has no moving parts, its shock-proof and withstands drops and bumps. SSDNow V300 is easy to install backed by a three-year warranty, free technical support and legendary Kingston reliability.

http://www.amazon.com/Kingston-Digital-Adapter-SV300S37A-240G/dp...
SSD Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 89 Replies: 0 Heavy Duty Neverkink Self-Straightening Hose. Reflex Mesh construction - Guaranteed not to kink or tangle. Protected with MicroShield - guards against mold and mildew that can cause hose deterioration. Solid brass octagon coupling provides a wrench-tight, no-leak connection.
If this Craftsman garden hose ever fails to provide complete satisfaction, return it to any Sears store or other Craftsman outlet in the United States for Free Repair or replacement
This warranty applies for only 90 days from the date of purchase if this product is ever used for commercial or rental purposes.
5/8 In. X 50 Ft.

www.sears.com/craftsman-heavy-duty-neverkink-self-straightening-...
Garden Deals

Sears Coupons
Sump Pump Failure-Allstate
Added on : Wednesday July 09th 2014 09:00:06 PM
g: 0 Posted By: JenMP
Views: 2 Replies: 0 We just bought our first house, a few weeks ago actually. We have Allstate for home insurance. Our basement flooded today. My studio is down there and thankfully not too much was ruined. The carpet is soggy, and we had like 1-2 inches, the shelves are ruined, and the wood floor in the bedroom is ruined, other than that, from what I can see, we are good. AWESOME thing is I put sump pump insurance on the house on Monday, and the basement flooded today (Wednesday, so 2 days later) We have $10,000 on it. Since it was late, they haven't been super helpful. I'm worried that the emergency crew we had come out to start the process of getting the water out is covered. I asked Allstate numerous times and the people I talked to didn't know. I am HOPING it's covered because I think it's like $4000. That's my question. Also, is there a way for me to strongly urge Allstate to cover new floor? I'd rather just have tile put down there because the carpet will just get ruined if this ever happens again. The guy checked it when he came to start sucking out the water and etc and said he didn't think it was too damaged. IDK what it's called, but the thing underneath the carpet (not the mat, its the plastic thing on the other side of the carpet) wasn't coming off. I seriously do not want this carpet and am hoping they will cover tile. Welcome to home ownership I suppose. lol
Question Deals
g: 0 Posted By: tuphat
Views: 45 Replies: 0 DOJ goes after Amex over merchant rules.

U.S., Amex duel at antitrust trial over credit card fees
By Andrew Longstreth

NEW YORK (Reuters) - American Express Co has hindered price competition in the U.S. credit card market and prevented merchants and consumers from reaping cost savings, a lawyer for the U.S. government said on Monday during the first day of a trial in Brooklyn federal court.

In an antitrust lawsuit, the U.S. Justice Department and 17 states have accused Amex of blocking credit card companies from lowering processing fees and allowing businesses to pass on savings to consumers.

Every year, credit card companies charge merchants more than $50 billion to process consumer transactions, according to the government.

At issue in the bench trial, expected to last nine to 10 weeks, are rules Amex imposes on the millions of merchants that accept its cards barring them from offering incentives to customers to use less-expensive credit cards when making purchases.

"Amex doesn't want consumers to have simple, truthful information about how much their cards cost," Craig Conrath, an attorney for the Justice Department, said.

U.S. District Judge Nicholas Garaufis of Brooklyn, who is overseeing the trial and will determine the outcome, asked few questions on Monday and did not offer any clues on how he views the case.

The government's suit seeks an order allowing merchants that accept Amex to give consumers incentives to use less-expensive credit cards.

The stakes are high for Amex, which uses the processing fees it charges merchants to provide rewards to its cardholders. In securities filings, American Express has said that an adverse ruling "could have a material adverse effect" on its business.

During his opening statement, Evan Chesler, an attorney for Amex, said that the government case is an "assault on Amexs business model, a model that has in fact driven competition to the enormous benefit of merchants and consumers for a number of years."

Chesler said that Amex has invested billions to provide high-quality service and rewards to its cardholders, which help differentiate it from bigger competitors.

The U.S. Justice Department and several states sued Amex, Visa Inc and MasterCard Inc in 2010 over rules that allegedly obstructed price competition. The latter two settled the case the day it was filed. The states include Michigan, Ohio, Texas, Missouri, Maryland, Arizona and Iowa.

Conrath of the Justice Department said Monday that the evidence presented at trial will show that if not for Amex's "anti-steering" rules, merchants would use strategies to reward consumers to use lower-cost credit cards like giving them free upgrades for certain services or price reductions. He also said that credit card companies would compete on price.

Discover Financial Services , Conrath said, tried to offer merchants lower processing fees but the strategy failed because of Amex's rules.

The case is United States of America, et al v. American Express Co, U.S. District Court for the Eastern District of New York, No. 10-04496.
Credit Deals
Dealer Service damaged vehicle - chargeback?
Added on : Sunday July 06th 2014 11:00:08 AM
g: 0 Posted By: cbyahoo
Views: 135 Replies: 1 Man, I've had one of those "awful" service experiences with Ford dealer.
I had a really expensive brake job on a commercial class vehicle. I knew the service would be expensive ($1400), but I wanted Ford to warranty the work and not have anything to worry about for a while. I'd do it myself, but this vehicle has a history of brake issues in general and I wanted the coverage.
Dropped the vehicle off, they inspected it and came up with the following:
1) Dragging front brakes, which I indicated when coming in - Recommended rebuilding all calipers and full brake job.
2) "Dirty" Fuel system - said the fuel filter was of unknown age, air filter was dirty upon inspection, and throttle body was dirty upon inspection.
3) Rear differential seal leaking (knew this going in).

I asked them to replace (not rebuild) front calipers, rebuild rears, and service the differential. I declined the fuel system service, but this caught my attention because I knew the air filter had 2k miles on it. Also the throttle body is way in the back of this thing, it's somewhat difficult to inspect. Total for service, about $1600 for the things that I approved.

They called, said it was done, picked it up a week later. Paid, picked up the keys and walked back to get it. I immediately cracked the air filter housing, wanting to see that "dirty" filter. It was clean... So I immediately got under the vehicle.
Front calipers new - new hardware, new pads. Rear calipers look great, new seals, new hardware. I notice that the front rotors haven't been turned and I had specifically discussed this with the service adviser. I can't see the rears due to a cover, but on a vehicle this big, getting the rotors off is a big job and represents at least 50% of the labor. Basically they charged me a lot for labor that they didn't actually do.

Walk back to the service adviser, he says "he'll check" - goes in the back for 15 minutes. Apparently the lathe was "down" and no one said anything. They indicate that there isn't anything they can do. I said "not OK". The sent me to the service manager.
Service manager apologizes. I tell him I want to take it and they can discount the work - I'll have it finished elsewhere. He says they'd rather complete it- "do it right". They offer some other minor services for free and I let them keep it and indicate they'll need to do something "else". I think this was my mistake as I didn't walk - and it allowed them to clean up the mess they were in - and I could have charged it back at this point. I did make sure the general manager had some visibility into what happened here.

Forward one week - they call, say it's ready (again). Won't discount it. Offer to deliver the vehicle (it's 1.5 hours away) and fill it up with gas. I OK that. They offer credit for future services (yea, right)!

Pickup the vehicle. Both mirrors have blue impact marks down the sides, not huge, but noticeable. Right mirror is out of alignment and isn't usable without disassembly. I call them, send photos of blue paint - which matches their service bay lifts. Indicate that the right mirror will need to be replaced and the left one must be replaced in order to match. Send them the part numbers + $100/labor, which is about $550. They say that the want to make it "right" and I need to let them have the vehicle again. I indicate that it's not going in for service at that dealership and that they can cut a check. They said they'd discuss it and get back to me, but that was a week ago.

At this point, I assume they're not going to discuss or cover the bill. Two questions:
1) Can I charge back due to damage that occurred as part of their service? Card terms indicate that incorrect service or incomplete service can be charged back, but nothing about damages due to service. Chances of success?
2) I realize I can sue, of course, but we're looking at $100-$200 to have them served, court fees, etc... My time is worth more than the net result.

I have refrained from writing reviews, but I do have the "nuclear" option of documenting their "mistakes". I have written copies of them indicating that I have a dirty fuel system - dirty air filter and photos of an almost new one showing up.. Not to mention failing to actually do the work they were billing for the first time. I have not contacted Ford. I don't buy new vehicles, so I'm probably not that strong of a reference customer.

Best case, the failure to do the brake work was a communications failure and they didn't actually look at the fuel system, as that's a pretty standard dealership up sell. Worst case, they're charging for things that they don't actually do and trying to get away with it along with up selling the typical high margin services.






Question Deals
g: 0 Posted By: Neidman
Views: 27 Replies: 0 Press release from Public Citizen with details on the decision:
June 26, 2014

Contact: Angela Bradbery (202) 588-7741
Scott Michelman (617) 899-9076

On Wednesday, Judge Dee Benson of U.S. District Court in Utah awarded Public Citizen clients John and Jen Palmer $306,750 ($102,250 in compensatory damages and $204,500 in punitive damages) against the online retailer KlearGear.com. The company had demanded $3,500 from the Palmers for writing a critical online review of the company, then ruined Johns credit when he refused to pay.

As a result of KlearGear.coms actions, the Palmers lost credit opportunities; suffered anxiety, fear and humiliation; and spent weeks without heat in their home for themselves and their 3-year-old son when their furnace broke and they were unable to obtain a loan to replace it.

Public CitizensuedKlearGear.com on the Palmers behalf in December. When KlearGear.com failed to respond, the court granted a default judgment declaring that John did not owe the $3,500 and setting a hearing, held Wednesday, to determine damages. After an hour-long hearing at which both plaintiffs testified, the judge announced the award from the bench.

We are gratified by Judge Bensons ruling, which appropriately compensates the Palmers for their ordeal and punishes KlearGear.com for its abuse of the credit reporting system in retaliation for the Palmers speech. The court sent a strong message that corporate bullying of consumers would not be tolerated. The Palmers are relieved that Johns credit has been restored and they feel vindicated by todays award.

Original archived FW thread:
http://www.fullofdeals.com/forums/finance/1314355/
Credit Deals
New Balance Men's Bushmaster 6" Tactical Boots $49.99 @ Woot
Added on : Tuesday June 24th 2014 12:00:08 AM
g: 0 Posted By: ctgolfer
Views: 175 Replies: 0 shipping adds $5

The New Balance Bushmaster is the master combat-ready boot for tactical land wear. Combining the upper pattern of the popular Abyss model, this boot features a high-traction, non-squeak Vibram sole and midsole unit for day-after-day comfort and durability. Dual-density Ortholite cushioned footbed features Dri-Lex lining for superlative moisture wicking and comfort.

Reinforced toe and heel
Double-reinforced lacing loops are specifically designed never to fail in the field
Dual-density Ortholite cushioned footbed
- Long-lasting cushioning
- Exceptional comfort
- Air flow for cool foot
Dri-Lex lining
- Superlative moisture wicking
- Odor and fungus inhibiting
Full-length molded shank provides support
High-traction, non-squeak Vibram outsole/midsole for traction and cushioning
Large mesh quarter panel with man-made reinforcements to keep feet cool
Mid-cut 6-inch boot height
Variable sausage laces will not come untied
Mesh and synthetic upper
Made in USA

http://sellout.woot.com/offers/new-balance-bushmaster-tactical-b...
Daily Deals

woot! Coupons
Save up to 45% on Select Ideal Home Security Items w/FS @ Home Depot
Added on : Thursday June 19th 2014 11:00:03 PM
g: 0 Posted By: ctgolfer
Views: 130 Replies: 0 IDEAL Security 7-Piece Wireless Home Security Alarm System with Telephone Notification Dialer

Ideal Security Wireless Power Failure Sensor with 90 dB Alarm

IDEAL Security Temperature Sensor with Alarm

IDEAL Security Wireless Socket Control

IDEAL Security Wireless Door or Window Sensor with Alarm

IDEAL Security Wireless Slim Door or Window Sensor (no sound)

www.homedepot.com/SpecialBuy/SpecialBuyOfTheDay
Electronics Deals

Home Depot Coupons
g: 0 Posted By: bpvh
Views: 124 Replies: 0 Office Depot / OfficeMax rebate software for the week of 06/22/2014 (2 McAfee titles)


McAfee AntiVirus Plus For 1 PC
$6.99 After $8 Instant & $25 Mail-In Savings Visa Prepaid Card
In Store Price $31.99
OD 194-078 \ OM 2416-3138


McAfee AntiVirus Plus For 3 PCs
$7.99 After $12 Instant & $40 Mail-In Savings Visa Prepaid Card
In Store Price $47.99
OD 101-297 \ OM 2416-3129


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
Local/Regional Business Ideas
Added on : Tuesday June 17th 2014 05:00:07 AM
g: 0 Posted By: David2k8
Views: 92 Replies: 0 I have been interested in starting my own business for awhile, but do not really know where to start. Specifically, what kind of business/service to focus on. Understandably, most business owners are reluctant to give much information, as they do not want to add competition and have others copy their business models. I posted a thread awhile back about this, and it was helpful, but a lot of people did not give much in specifics.

I was thinking that there must be people on FW who own business's that are specific to the region and/or local area they are in, and revealing what they are doing anonymously online wouldnt damage or threaten their business, but could maybe help others apply what they are doing to where they live.

The questions from my old thread were, and I think they would apply here,

Where did you get the idea for your business, and what is it? What product or service are you offering?

What experience did you have in the field?

How did you get the courage to "take the plunge"?

Did you start from scratch, buy an existing business/franchise?

How much money did you need to start? ($1k, $5K, $10K, $100K....)

Do you have any partners, help, etc, or was it all you?

What problems did you initially encounter, and how did you overcome them?

At what point did you consider the business a success or failure?

How did the area you live in help the business?


One thing I was thinking about doing was finding out what if any products are manufactured, or at least the companies are headquartered around me, and approaching them to obtain the products for resale online. But again, I have no idea how to go about this other then making some phone calls, sending emails etc, all which will likely be ignored.

I have also been looking at buying an existing business, but most I have look at have not been very profitable, hence the sale. It seems that if a person has a successful business, they wont be selling it, or it wont be advertised for sale, as there already will be people they know ready to buy it.
Personal Finance Deals
Free Kindle Book- How to Make a Great Living Teaching Online
Added on : Tuesday June 17th 2014 01:00:04 AM
g: 0 Posted By: remick
Views: 60 Replies: 0 http://www.amazon.com/gp/product/B00H4UTHVM/

4.7 out of 5 stars (20 customer reviews)

Discover how to make a great living creating tutorial videos. Whether you want to teach English, cookery or a highly specialised technical skill, creating your own online business may be easier than you think. In this book I'll explain exactly how to go about it, as well as telling you my own story.

I built a successful online business making $80,000 in the first year and a half after almost two decades of cluelessly failing at one thing after another; hopefully by reading this book you can avoid making the same stupid mistakes I made.

In this book you'll find out how to build up an online business with minimal time, effort and money; no dawn power walks, fourteen-hour workdays or massive investments here!


also free
Top 7 Ways to Make Money Online: Step-by-Step Guide to Earn Over $1000 Online per Month Starting Today
http://www.amazon.com/gp/product/B00JAU937M
Totally Free Deals
g: 0 Posted By: Rookie555
Views: 122 Replies: 0 I have been looking for an Invicta deal for a while. This is the best I could come up with. I have owned these watches and completely love them. I have never had one fail. I can't find a better price on this anywhere, and don't forget CB!

Linky: Invicta
Watches Deals
SanDisk Ultra Plus 256GB Solid State Drive $100.00 FS @ Adorama
Added on : Tuesday June 10th 2014 07:00:02 AM
g: 0 Posted By: Farfisa850
Views: 0 Replies: 0 http://www.adorama.com/IDSUP256SSD.html?

SanDisk 256GB Features

Upgrade Computer Performance with Fast Data Speeds: With its consistently high read speeds, the SanDisk Ultra Plus SSD is an ideal upgrade for an older PC. The 256GB SSD can achieve read speeds of up to 530MBps
Reliable Solid State Design Extends Your System's Lifespan: Featuring reliable solid state architecture from a global leader in flash memory storage solutions, the SanDisk Ultra Plus SSD boasts a mean-time-before-failure (MTBF) of up to two million hours
Low Power Consumption for Cooler, Quieter Operation: With its low-power architecture, the SanDisk Ultra Plus SSD places minimal strain on your system resources. The drive consumes less power and produces less heat than a traditional HDD, easing the burden on your PC's power supply and cooling system
Generous Storage Capacity: The SanDisk Ultra Plus SSD offers enough space to accommodate games, applications and your operating system. It also provides ample room for backing up important data, including photo albums, videos and personal documents
g: 0 Posted By: bpvh
Views: 109 Replies: 0 Office Depot / OfficeMax rebate software for the week of 06/08/2014 (3 McAfee titles)


McAfee Internet Security for 3 PCs
$7.99 After $12 Instant & $50 Mail-In Savings Visa Prepaid Card
In Store Price $57.99
OD 101-324 \ OM 2416-3101


McAfee Total Protection
$7.99 After $12 Instant & $40 Mail-In Savings Visa Prepaid Card
Save $52
In Store Price $47.99
OD 106-292 \ OM 2416-3085


McAfee Total Protection For 3 PCs
$12.99 After $15 Instant & $52 Mail-In Savings Visa Prepaid Card
Save $67
In Store Price $64.99
OD 106-319 \ OM 2416-3094


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

OfficeMax Coupons
Southwest: 3 Day Fall Sale - Flights Starting at $49.00 One-Way
Added on : Wednesday June 04th 2014 03:00:03 AM
g: 1 Posted By: SieSilverStars
Views: 275 Replies: 0 Southwest is offering their 3-day fall sale with flights starting at $49.00 one-way on select cities.

Linky

Sale is valid through June 3 to June 5, 2014 11:59PM.

Blackout dates include Sept. 1 and Nov. 21 through Dec. 2, 2014. Seats are limited. Travel August 25 to December 17 excluding Friday's and Sunday's.

Southwest Airlines Fare Rules:
"Travel DAL-BWI, DAL-DCA, DAL-DEN, DAL-LAS, DAL-LAX, DAL-MCO, and DAL-MDW available Oct. 13 through Dec. 17, 2014. Travel DAL-ATL, DAL-BNA, DAL-FLL, DAL-LGA, DAL-PHX, DAL-SAN, DAL-TPA, ATL-PUJ, CUN-MDW, MBJ-MDW, SAT-MEX, and SNA-MEX available Nov. 3 through Dec. 17, 2014. Travel to Florida or Nevada is valid Sunday through Wednesday only. Additionally, travel from Florida or Nevada valid Tuesday through Friday only. Travel between Nevada and Florida is valid on Tuesdays and Wednesdays only. Blackout Dates Apply: September 1 and November 21 - December 2, 2014. Some flights operated by AirTran Airways. Displayed prices include all U.S. and international government taxes and fees. Seats are limited. Fares may vary by destination, flight, and day of week and won't be available on some flights that operate during very busy travel times and holiday periods. Fares are available for one-way travel. Fares may be combined with other Southwest Airlines combinable fares. If combining with other fares, the most restrictive fare's rules apply. Sale fares may be available on other days of week, but not guaranteed. Fares are nonrefundable but may be applied toward future travel on Southwest Airlines, so long as you cancel your reservations at least ten minutes prior to the scheduled departure of your flight. Failure to cancel prior to departure will result in forfeiture of remaining funds on the reservation. Any change in itinerary may result in an increase in fare. Standby travel requires an upgrade to the Anytime Fare. Fares are subject to change until ticketed. Offer applies to published, scheduled service only."
Flight Deals Deals
g: 0 Posted By: ctgolfer
Views: 45 Replies: 0 If this Craftsman garden hose ever fails to provide complete satisfaction, return it to any Sears store or other Craftsman outlet in the United States for Free Repair or replacement
This warranty applies for only 90 days from the date of purchase if this product is ever used for commercial or rental purposes.
5/8 In. X 50 Ft.

www.sears.com/shc/s/p_10153_12605_07163041000P


Garden Deals

Sears Coupons
Conair - Cuisine Grind & Brew 10-Cup Coffeemaker $19.99 @ Best Buy
Added on : Tuesday June 03rd 2014 07:00:02 PM
g: 0 Posted By: ctgolfer
Views: 62 Replies: 0 Control panel with backlit LCD display
Helps simplify operation.
Programmable auto on function
Allows you to preset the coffeemaker up to 24 hours in advance, so you can wake up to a freshly brewed pot.
1-4 cup brewing option
Adjusts water flow, so you can brew a small amount of coffee to suit your needs.
10-cup capacity
Allows you to make enough coffee for a group.
Built-in grinder
With a permanent gold-tone filter makes it easy to enjoy fresh, flavorful coffee. Coffeemaker can also be used with preground coffee.
Double-wall thermal carafe
Helps ensure coffee stays at an ideal temperature.
Comfort-grip handle
Facilitates pouring.
1-minute back-up memory
Retains settings in the event of a power failure.

www.bestbuy.com/site/conair-cuisine-grind-brew-10-cup-coffeemake...
Appliance Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 205 Replies: 0 http://www.amazon.com/dp/B00E0TND74

Kelly Frost, a textiles conservator, is invited to the Massachusetts coastal city of New Bedford to restore a 150-year-old Mariner's Compass quilt. But there is one stipulation: she must live and work in Gray House, a former whaling captain's home, where the quilt is stored. There she meets Army veteran Tom Pereira, the caretaker of Gray House, whose heart seems as hard as the rocky Massachusetts coastline. Over the long-lit months as Kelly works to restore the quilt, she and Tom grow closer. And as she reads stories in a daily journal penned by Mary Gray, she learns the secrets of the quilt and Mary's own sad tale of regret. Then Tom learns secrets of his own family's past, and both Tom and Kelly learn they are tied to Gray House in ways they never imagined.



Out of Focus (An Adams Grove Novel)
http://www.amazon.com/dp/B0066Q40L2

In OUT OF FOCUS, Kasey Phillips thinks her biggest problem is deciding whether to photograph Cody Tuggles honky-tonkin tour, until an accident on Route 58 claims the life of her husband.
In a desperate race against time as a hurricane threatens the eastern seaboard, they search for her three-year-old son who is missing from the wreckage.
A community and friends rally to help, but someone knows more than they are telling.



Capture
http://www.amazon.com/dp/B008CNJE4A

Nominated for a 2013 Spinetingler Magazine Best Novel Award

IN A CITY WHERE THE LINES BETWEEN RICH AND POOR ARE DRAWN IN BLOOD, THE TRUTH IS JUST THE LIE YOU BELIEVE THE MOST.
As four-year-old Sunny Exley drowns in the icy waters off a luxury beach house, her father, Nick, smokes weed on the shore and her mother, Caroline, is lost in the arms of a lover. Hidden on nearby boulders, rent-a-cop Vernon Saul watches the child die and chooses to act only when it is too late.
In the days following Sunny's death, gutted by grief and guilt, Nick falls under the spell of Vernon who presents himself as a friend in time of need. When the sinister Vernon's true Motives are revealed, Nick is drawn into a spiral of manipulation and murder that leaves him fighting for his sanity and his life.



THE DEADLINE (David Grossman Series)
http://www.amazon.com/dp/B008ISCKVS

THE DEADLINE is the story of David Grossman, a Baby Boomer approaching sixty who loses his high-paying corporate job, forcing him to review his options and priorities. Desperate for a last chance at personal fulfillment, David makes a one-year deal with his wife. If he fails, his life-long dream is likely over and he must return to the corporate grind, a life lived under the steady lash. At first, one year seems like ample time, but David had not counted on having to deal with a moody culinary genius from the Amazon, a high priestess of the dark arts, a dying mother, and sinister thugs from the Mob. With each passing day, Grossman feels the pressure of time slipping away and the likely end to his dream.



Only For You
http://www.amazon.com/dp/B00FEDCKK6

All Everleigh Carsen wanted to do was complete her final semester at Hensley University and begin the life she planned.
When a wave of violent crime seizes campus, Everleigh is persuaded by her best friend to attend a school sponsored self-defense seminar, where she meets volunteer instructor, Hunter Charles. After Everleighs biting sarcasm induces Hunter to eject her from class, an explosive relationship is born.
Everleigh is determined to forget the striking man, but fatethat fickle shrew continuously intervenes. Unable to escape him, she casts Hunter as her prime adversary. The only complicationHunter is resolutely pursuing his vindicationby any means necessary. Verbal warfare ensues, and despite Everleighs ingenious efforts, in Hunter, she has finally found her equal.



The Gemini Factor
http://www.amazon.com/dp/B0089GGTXE/

Murders are common. Serial murders are less common. Serial murders committed in two different countries at exactly the same time, in exactly the same way, are unheard of. ..until now.



City of Whispers
http://www.amazon.com/dp/B006N1OA4M

When an epidemic turns most New Yorkers into vampires, a handful of remaining humans find themselves struggling to survive in a quarantined Manhattan. As their numbers dwindle, Ailis Laurent undergoes a transformation of her own: she becomes a hardened vampire killer.

Books & Magazines Deals

Amazon Coupons
Sold AA points and got this
Added on : Wednesday May 28th 2014 08:00:16 AM
g: 0 Posted By: DesiVibe
Views: 411 Replies: 21 I had sold 55K AA points in Marchand got this email from AA this morning. Has anyone else gotten the same? I got lots of points in my account and am worried about adverse action! Should I reply back or should I just forget about the account

.~~My name is XXXXXX, and I am an analyst with American Airlines. One of my responsibilities is investigating possible instances of fraud, misrepresentation, and violations of the General AAdvantage Program Conditions. Today, Im writing you about your AAdvantage account # XXXXXXXX

We have reason to believe that the transactions listed below violate one or more of the AAdvantage program conditions. This includes, but is not limited to, prohibition of purchase, sale, or barter of mileage credit and or award tickets. As a result, American Airlines has suspended your AAdvantage membership privileges and use of AA.com in conjunction with your account and may terminate your account as a result of our findings. We are in the process of completing the investigation into this matter, and I would like to hear the events as they occurred from your perspective. Please respond to this message by May 30, 2014, with complete and accurate information regarding the activities listed below
:XXXXXXXXXXXXXXXXX

Required Information:
Passenger name
Origin and destination cities on the travel itinerary
Purchaser name (individual, company and/or website), including:
Copy of any advertisements to which you responded offering to purchase/broker the use of your AAdvantage miles
Purchaser contact information, such as:
Mailing address
Email address
Telephone number
Website profile name
Your statement fully disclosing the details surrounding the sale/barter transaction referenced above
Copy of all communication between yourself and the purchaser
Documentation that you received payment

To protect and retain the integrity of the AAdvantage program, it is vital that firm action be taken as a result of any violation of the AAdvantage Program Conditions, whether intentional or not. Failure to respond completely and accurately by May 30, 2014, will result in the termination of your AAdvantage membership and all its benefits, including all remaining AAdvantage miles in your account and any award tickets issued from it.Please, understand that our overall motivation is to preserve the benefits of the AAdvantage program, rather than to take punitive action against individuals. To that end, its not unusual for us to release the AAdvantage account suspension once we receive all the detail we request and reconcile it with the results of our investigation. We hope to hear from you soon.Regards,
Discussion Deals
g: 4 Posted By: remick
Views: 302 Replies: 0 http://www.amazon.com/dp/B004ZLB9WI

4.7 out of 5 stars (36 customer reviews)

Too often Christians carry a lot of guilt and baggage when it comes to their relationship with God. The problem is that so many of us believe unbiblical, damaging things about how critical God is and how fed up he must be with us. But many of the things we think Jesus would say to us--things like "I can't believe you call yourself a Christian," "If you really loved me, you'd try harder," and "I'm so disappointed in you"--are things he never said. The solution, says Will Davis Jr., is to stop believing the lies and start believing the things Jesus did say.

In 10 Things Jesus Never Said, Davis unmasks commonly believed myths about our relationship with God and shows readers how to replace this pervasive theology of failure with the truth of how Jesus really feels about them. Discussion questions at the end of each chapter help small groups or individuals apply these truths to their current situations. Anyone who has ever felt that they didn't measure up to God's standards will love this freeing exploration of grace and forgiveness.
Books Deals

Amazon Coupons
TCPA enforcement for fun and for profit up to 3k per call
Added on : Sunday May 25th 2014 08:00:11 AM
g: 3 Posted By: codename47
Views: 146 Replies: 1 Just wanted to get some feedback on the latest experiences people are having with automated calls. So, the TCPA (telephone consumer protection act 47 usc 227) regulates such calls, and generally without "express written consent" or an emergency purpose.

TCPA updates:

Now, previously, before October 2013, there was an implied, express written consent where if you gave your telephone number to someone, it was considered by some courts to be "consent" or was allowed under an "established business relationship", but that all changed in the fall of 2013, so here are have a requirement for unambiguous written consent required and no established business relationship loophole as of October 2013, because the FCC says so. http://www.kleinmoynihan.com/publication/new-tcpa-rules-effectiv...

Text messages count too as prohibited methods of communication again without clear written consent. These are super easy to enforce as you have almost all the evidence you need to find out the other party's identity and bring them to court.

Also, just to be clear the company that the calls are being made for are vicariously liable for the actions of the telemarketing company. So, if a company calls and is trying to sign you up for Dish network or Caribbean cruise lines, and they are Joe Schmoe telemarketing enterprises LTD, and they fold up, declare bankruptcy, and move overseas, you aren't out of luck and can generally go after Dish network for the calls that were made on their behalf as they were the ultimate beneficiary of the illegal actions. Otherwise, any company could hire an illegal telemarketer, and claim innocence as they didn't directly make the calls themselves.

So, I am looking at switching service providers with my cell phone as I can't port my old number, and holy effin crap, I get a lot of pre-recorded calls and for no reason on the new number. I get quite a few on the old number too, but that is in the process of being rectified...

Some other interesting stuff I found is that at least in the 6th circuit COA at least, TCPA calls have a max damage amount of potentially 3k per call. Now, some lazy lawyers will cite the $500 to a max of $1500 per call, but for people who are willing to do a little research, they may find a few gem's such as Phillip Charvart, a personal hero of mine along with Edward C lawson. If you think I have a propensity to sue people you should see Phillip Charvart laying down the law. I read somewhere that he filed like 60+ lawsuits and won the vast majority of them while establishing a lot of good caselaw. For example, in one case, Charvart was awarded $73k. http://do-not-call-complaints.com/blog/tcpa-monetary-awards-char...

The 6th Circuit held in another case:
a person may recover statutory damages of $1500 for a willful and knowing violation of the automated-call requirements, 227(b)(3), and $1500 for a willful and knowing violation of the do-not-call-list requirements, 227(c)(5) even if both violations occurred in the same telephone call. This is in Charvart v NMC llC: http://www.sixthcircuitappellateblog.com/uncategorized/sixth-cir...

Therefore, if you get a pre-recorded call that fails to provide the name/entity for which the calls are being made, or the phone number or address of the entity which the calls are being made on behalf of, fails to honor a DNC request or fails to have a DNC list, you have one category of violations which can run $500 to $1500 per call. If you have a pre-recorded or automated call that is a second category of violations that can run $500 to 1500 per call.

Now, I know some have said they have trouble identifying the other party, so you can feign interest and gather some identifying information that way. Alternatively, I've found that a large number of the calls I get a least, come from one source: peerless networks. Apparently they provide telemarketing services for many companies, and they are frequently violating the law. So I do a reverse search on whitepages.com, which takes like 5 seconds, identify the service provider, and then subpoena the information most likely from Peerless networks, which apparently gets quite a lot of requests for this information as they state the different categories of information available and how to request it. Key thing is that they can provide ALL subscribers that have called a certain telephone number, so perhaps if you missed one or two companies in the last 4 years, this company will most likely have a complete set of records for just the calls from subscribers to you. They can also provide the subscriber contact information.

http://www.peerlessnetwork.com/contact-us/law-enforcement-and-su...

In summary:

Explicit in writing opt in is required.

Text message marketing is just stupid, but there are apparently a lot of stupid people in the world

Peerless networks likely has almost all the information you need to carry a lawsuit.

you can recover somewhere between 1k and 3k per call

Parent/beneficiary companies are vicariously liable and there are a lot of stupid/lazy marketing departments in the world

Many of these companies leave robocall voicemails, which is just stupid as well.

You are a private attorney general, because congress said so



Discussion Deals
g: 0 Posted By: bpvh
Views: 147 Replies: 0 Office Depot / OfficeMax rebate software for the week of 05/25/2014



McAfee AntiVirus Plus For 1 PC
$6.99 After $8 Instant & $25 Mail-In Savings Visa Prepaid Card
Available at Office Depot and OfficeMax
OD 194-078 \ OM 2416-3138


McAfee AntiVirus Plus For 3 PCs
$9.99 After $10 Instant & $40 Mail-In Savings Visa Prepaid Card
Available at Office Depot and OfficeMax
OD 101-297 \ OM 2416-3129



====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

OfficeMax Coupons
Drobo 5D 5-bay Storage Array, Thunderbolt/USB 3.0 $544 @BH Photo
Added on : Thursday May 22nd 2014 12:00:03 PM
g: 0 Posted By: patofw
Views: 164 Replies: 0 Regularly $600+@Amazon and others.

$554 Free shipping@ B&H currently

Also of note, the 5N (network version) is $450 @Amazonagain

BeyondRAID TechnologyBeyondRaid Technology features single- or dual-drive redundancy. This added layer of protection will create mirrors of one drive so that you'll always have a backup.Data Aware TieringData-Aware Tiering technology, usually reserved for business-class storage solutions, is also available in this portable Drobo. It intelligently uses the high-performance flash in SSDs to accelerate performance of the storage array, allowing applications such as Adobe Premiere and Apple Aperture fast access to data.Thunderbolt and USB 3.0Drobo Mini is equipped with dual Thunderbolt ports for daisy chaining. Connect up to six Thunderbolt devices and/or a non-Thunderbolt monitor at the end of the chain. This allows even the most portable laptop computers access to high-performance storage while retaining connectivity to other devices and an external monitor. Drobo is the only storage array that offers Thunderbolt and USB 3.0. This latest USB also offers high-performance connectivity and is backward compatibility with computers running compatible versions of Mac OS X or Windows.Power and Critical DataDrobo doesn't just protect you from a drive failure, but also from potential data loss after a power outage. Drobo Mini includes a battery that protects all data in memory, or cache, that is, data on its way to the drives. When power spontaneously goes away, the battery keeps the Drobo alive long enough for the data to be written to nonvolatile storage. The battery recharges itself and is designed to last for the life of the product.QuietDrobo 5D is also significantly quieter than previous-generation Drobos due to its tuned, large, variable-speed cooling fan. You can even configure Drobo to spin down drives when they're not in use to further reduce noise and save energy.


Computers Deals

B&H Photo & Video Coupons
Free Car Lockout Program MD, VA, DC
Added on : Thursday May 22nd 2014 07:00:08 AM
g: 1 Posted By: remick
Views: 204 Replies: 1 http://www.baldinos.com/FreeLockoutSignup.aspx

TERMS AND WAIVER
Baldino's Lock & Key Service, Inc. - Lockout Protection Program
1. Customers who have registered with Baldino's Lock & Key Service, Inc. ("Baldino's") in the Lockout Protection Program, may call Baldino's toll free line, 1-301-963-4440 , for assistance in unlocking a locked vehicle. When calling, the Customer needs to provide name, vehicle description, the location of the vehicle and other related pertinent information as requested by Baldino's at the time.
2. SERVICE AREA: Lockouts are currently serviced within the following areas: The Virginia cities and counties of Stafford, Fairfax, Prince William, Loudoun, Alexandria, Arlington, and the Maryland cities and counties of Montgomery, Baltimore, Annapolis, Ann Arundel, Howard, Prince George's, and Washington DC including all towns and other political subdivisions within. Updates of a broader service area will be advised without additional charge.
3. COOPERATION: The Customer agrees to cooperate with Baldino's, its Technicians and Service Desk. The Customer has been advised that to obtain free service, the Customer must:
A. Provide valid owner identification such as a driver's license to protect against unauthorized entry into a Customer's vehicle;
B. Must have the Baldino's issued Vehicle Sticker displayed on the inside of driver's side window of the vehicle; (or regular service charges will apply);
C. Or the Baldino's Lockout Program Key Ring Identification Tag must be found inside the locked vehicle once opened, (or regular service charges will apply);
D. Once the vehicle is open the vehicle registration must be verified to assure that there is authority over the vehicle.

Baldino's may contact the Police or request Police assistance in any situation where inadequate verification is provided or if Baldino's personnel otherwise believe Police assistance will be beneficial.
4. UNCONTROLLABLE CONDITIONS:
A. Service may be delayed or suspended due to circumstances beyond the control of Baldino's (e.g. weather, traffic, heavy call load, etc.). Baldino's shall not be responsible for delays in response or failure to respond in such circumstances.
B. The Baldino's Technician or Service Desk will try to advise the customer of any known delays due to weather and traffic. If the customer is advised that no service can be provided, see Section 5 below.
C. Time of service response time may vary due to pre-existing service load. Please be patient. Baldino's Service Desk or Technician will advise of an estimated time of arrival.
5. LIMITED WARRANTY:
The liability of Baldino's for any failure or inability to respond within two (2) hours of a call for Service within the Service Area is limited to $55.00 dollars. No other warranty of any kind, express or implied is hereby made or to be presumed, nor shall Baldino's be liable for any consequential or other damages of any kind. Baldino's will issue a "Credit Number" by phone when Baldino's advises that it cannot respond to a service call within two (2) hours from the first call. The Credit Number must be written on a request for reimbursement, including the customer's name and address, to be sent to Baldino's with a copy of the receipt from the alternative lockout provider. Requests and receipts should be sent to: Baldino's Lock & Key Service, Inc., PO Box 1417 Newington VA. 22122. Please include responding address. Upon verification a reimbursement check will be sent.
6. Customers are welcome to additional window identification stickers for each owned vehicle and a Baldino's Lockout Program Key Ring Identification Tag for each authorized family member or business employee.
7. Customers are limited to two (2) Free lockouts per year per enrolled vehicle. Normal charges with a Ten (10%) percent discount will apply for more than two service calls.
8. Baldino's has the right to terminate the program after seven (7) days notification to the customer.
8A. Termination: Baldino's Lockout Program may be ended any time after seven days best effort notification to registrants. Proper Notification shall be via mail to registrant's address listed on registration form or E-mail address provided on registration. An update for address changes may be requested periodically from Baldino's, but it is the responsibility of participant to notify Baldino's if mailing address changes.
9. Participants authorize Baldino's to send correspondence by mail or e-mail to request address updates, vehicle changes and additions, to add new participants and to advise of customer specials, discounts and new products from Baldino's Lock & Key.
9A. Communications: Mailers may be sent to you periodically to update our records for any changes in vehicle ownership and to serve your needs for any new window stickers or key tags. Information on security tips, specials, new products and discount coupons may be included. It is the responsibility of all participants to register at www.baldinos.com/free-lockout-program for automatic email updates or visit www.baldinos.com or phone 301-963-4440 periodically to be aware and accept the any updates, information and changes in the free lockout program.
Activation:
By applying the Baldino's Lock & Key, sticker on your car's driver's side window or we find the special Baldino's lockout keytag on your key ring locked inside the car, that the rules of this warranty are understood and you have acknowledged the above restrictions.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 149 Replies: 0 shipping adds $5

Reinforced toe and heel
Double-reinforced lacing loops are specifically designed never to fail in the field
Dual-density Ortholite cushioned footbed
- Long-lasting cushioning
- Exceptional comfort
- Air flow for cool foot
Dri-Lex lining
- Superlative moisture wicking
- Odor and fungus inhibiting
Full-length molded shank provides support
High-traction, non-squeak Vibram outsole/midsole for traction and cushioning
Large mesh quarter panel with man-made reinforcements to keep feet cool
Mid-cut 6-inch boot height
Variable sausage laces will not come untied
Mesh and synthetic upper
Made in USA

http://sport.woot.com/offers/new-balance-bushmaster-tactical-boo...



Daily Deals

woot! Coupons
g: 0 Posted By: ctgolfer
Views: 143 Replies: 0 Geek Squad installation
is strongly recommended for this product. Please visit your local Best Buy store for details.
Subwoofer handles up to 300W peak power (150W RMS)
For rich sound.
27-500Hz frequency response
For accurate low-end audio.
11" cutout diameter; 5-7/8" mounting depth
For the right fit.
Injection-molded polypropylene SoloKn cone
With UV-treated, ribbed foam surround and high-temperature voice coil for enhanced bass response. Rigid cone construction and 360 back bracing minimizes distortion.
4 ohms impedance
Conducts power evenly to keep the speaker at an appropriate level.
Double-stitched surround
Ensures a durable design.
Spiralead technology
Utilizes tinsel leads woven into the spider for effective operation.
Class AB amplifier
Delivers up to 250W peak power (140W RMS @ 4 ohms) for powerful audio.
Selectable crossover
With 24dB octave fixed at 80Hz ensures flexible operation.
FIT (Failsafe Integration Technology)
Utilizes isolated differential inputs to reject noise and electrical interference, ensuring quiet operation and high-quality audio.
KickEQ boost
Along with remote bass capability for custom sound. Audio signal sensing, 12V remote turn-on and DC offset offer versatility.
Amp power kit
Includes interconnects, speaker wire, power and ground, fuse holder and more for simple installation. Oxygen-free copper material enables optimal signal transfer.

www.bestbuy.com/site/kicker-12-single-voice-coil-4-ohm-subwoofer...
Car Audio Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 566 Replies: 0 http://www.amazon.com/gp/product/B00K11XPWI

5.0 out of 5 stars (12 customer reviews)

This book was inspired by the stories of many women who I have met over the years. It is about their challenges, failures, and successes. Their moving stories motivated me to write this book to help other women understand how every choice they make can either help or destroy their retirement. Learn from their inspiring and heartbreaking stories. I know they will want any woman who reads this book to be aware of the "wolves" that can, in the blink of an eye, wipe away hopes and dreams of her retirement. Discover the secrets to personal empowerment and what you need to know to find your own yellow brick road to financial inner peace.

This book will help you understand the complicated relationship between you as a woman, your money, and your financial professional. Many women go through life with the illusion that their future is secure just because they set aside money for retirement and have a financial advisor who they believe has their best interest in mind. Many women don't ask the right questions, don't demand the right answers, and are routinely pushed away from being involved in the most important dream
of their life... their own happily-ever-after.



Also free

Wonderful Wealth Boosters: Break Through the Barriers to Wealth - 2nd Edition
http://www.amazon.com/Wonderful-Wealth-Boosters-Through-Barriers...

EVISED & EXPANDED 2nd Edition

"The best in proven wealth creation strategies and personal finance super-skills."

Wealth can provide you with the means to be, do and have almost anything you want. Whether your goal is to become wealthy, or even if you are already wealthy and want to increase and maintain your wealth, this book is for you.

Each of the 30 techniques covered in this book will BOOST your level of wealth and help you to achieve financial independence and freedom. Each BOOSTER is simple, straightforward and easy to apply to your own personal finance situation. Detailed financial knowledge is not required and no-risk or low-risk strategies are employed so that you dont have to gamble your security. Apply some or all of the Wonderful Wealth BOOSTERS in this book and experience increased financial control, peace of mind and a powerful forward momentum toward a wealthy future.

Some of the 30 prosperity principles you will learn include ...

The Wealth Mirror Question: ... how the past can reveal your route to riches
Wealth Beliefs & Values: ... positively change your relationship with money
The Penny Principle: ... how to subconsciously align yourself with prosperity
The Cash Cascade System: ... successful financial reorganisation
Your Wealth Hero Rich List: ... learn from the wealth masters
The Savings Ramp System: ... pain free saving without sacrifice
The Coin Machine: ... the little saving technique with big results
Successful Saving Motivation: ... maximise your saving potential
Self Employ Yourself: ... the ultimate personal finance control method
Dont Keep Up With The Joneses: ... create real wealth, not Bling
Decide, Divide and Conquer: ... financial goal setting and achievement
The Appreciation (Not Gratitude) Log: ... a different approach to gratitude
Time is Money: ... how to harness the wealth creation chain reaction
Virtually Saving v Actually Saving: ... the absolutely crucial difference
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/gp/product/B00K11XPWI

5.0 out of 5 stars (12 customer reviews)

This book was inspired by the stories of many women who I have met over the years. It is about their challenges, failures, and successes. Their moving stories motivated me to write this book to help other women understand how every choice they make can either help or destroy their retirement. Learn from their inspiring and heartbreaking stories. I know they will want any woman who reads this book to be aware of the "wolves" that can, in the blink of an eye, wipe away hopes and dreams of her retirement. Discover the secrets to personal empowerment and what you need to know to find your own yellow brick road to financial inner peace.

This book will help you understand the complicated relationship between you as a woman, your money, and your financial professional. Many women go through life with the illusion that their future is secure just because they set aside money for retirement and have a financial advisor who they believe has their best interest in mind. Many women don't ask the right questions, don't demand the right answers, and are routinely pushed away from being involved in the most important dream
of their life... their own happily-ever-after.
Books Deals

Amazon Coupons
Need Advice - Feels cheated in buying first home
Added on : Tuesday May 13th 2014 05:00:09 AM
g: -1 Posted By: missMicky
Views: 346 Replies: 19 Hello folks, Need help, long time reader first time posting !!
We closed on single family house in good neighborhood in MA. We closed on house on April 10th and on the day of closing through walkthrough we found lot of problems

1. The sellers mentioned in MLS that property had wall to wall carpet but when we did walkthrough there was no carpet at one of the corner of masterbedroom and walk-in closet wither, there were subfloor and we could see nails through the floor. It was really dangerous with 6 year daughter with us.

2. The house is 3 bedrooms but the previous owners had made bedroom in the garage and we asked they to remove and convert back to garage. But in the P&S our attorney did not made it clearly that we wanted to have garage back done by licensed contractor and need all the invoices. We did make lot of request in our emails but our attorney failed to add it in P&S and now the wall which is converted doesnt fit under proper code.
The previous homeowners had lot of police activity since the guy had citations and he did not had licensed police came once we moved in 2 weeks back. I feel very bad to see the police at my home without any of my fault.

3. Also when the house was listed on MLS it had over the ground pool, when we saw the house on open house we asked the listing agent about it. We asked her does the swimming pool comes with the property she verbally said YES but after inspection (we did inspect the pool) before P&S they said the Pool encroaches the other property by 20 FT so we have to remove the pool otherwise it will affect the mortgage, and we said OK to remove the pool. At the end of the closing they removed the pool but did not clean up the sand and concrete blocks(14 of them)We thought when they say take out pool means they will take everything out. I know we were the fools and others made us fools.

From the day one we got the house we feel cheated, cheated by seller, listing agent and our attorney too.
We feel bad about our decision, we were on budget and we wanted a house in a good neighborhood so being a first time homebuyer we did lots and lots of mistake which we regret it.
Its too late now we know that.

But my question to my fellow fatwallet friends is do we have any case here against the seller/listing agent or attorney for misinterpretation ??
Does it worth to fight?? we put all our hardearned money to make it home ..we feel cheated all the time.
Do you know any attorney services which works for free or little money right now?? But first should we have a case here ???


Please people help me. Thanks for reading big post.
Personal Finance Deals
g: 0 Posted By: bpvh
Views: 124 Replies: 0 Office Depot rebate software for the week of 05/11/2014 (3-$15AR, 1-$20AR)


McAfee Total Protection For 3 PCs http://www.officedepot.com/a/products/106319/McAfee-Total-Protec...
$14.99 After $15 Instant & $50 Mail-In Savings Visa Prepaid Card
Save $65
In Store Price $64.99
Item #106319
http://forms.young-america.com/136204_MC71-451-2014-05-02.pdf


McAfee Total Protection http://www.officedepot.com/a/products/106292/McAfee-Total-Protec...
$14.99 After $5 Instant & $40 Mfr. Mail-In Savings
Save $45
In Store Price $54.99
Item #106292
http://forms.young-america.com/136244_MC71-456-2014-05-05.pdf


McAfee Internet Security For 3 PCs http://www.officedepot.com/a/products/101324/McAfee-Internet-Sec...
$14.99 After $5 Instant & $50 Mail-In Savings Visa Prepaid Card
Save $55
In Store Price $64.99
Item #101324
http://forms.young-america.com/136243_MC71-455-2014-05-05.pdf


AVG Internet Security + PC Tune Up http://www.officedepot.com/a/products/211007/AVG-Internet-Securi...
$19.99 After $30 Mfr. Mail-In Visa Prepaid Card & $40 Mfr. Current User Upgrade Mail-In Savings
Save $70
In Store Price $89.99
Item #211007
http://forms.young-america.com/136141_NV71-984-2014-04-30.pdf
http://forms.young-america.com/136142_NV71-985-2014-04-30.pdf
++ Customer may only redeem ONE rebate (pair) per specified product per 12 month period from date of purchase.


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
Problems with Mint, Yodlee, etc.
Added on : Tuesday May 06th 2014 03:00:10 AM
g: 0 Posted By: SinbadS
Views: 20 Replies: 0 Frequently (too frequently) Mint and Yodlee accounts fail to connect (require to visit their sites to re-update even though there are no changes to passwords or security questions, etc.). These errors are now so common that I am giving up on both sites since it is not worth the trouble to do this so often, specially if there are a lot of them to do almost daily. Has anyone found a solution to this?
General Economics Deals
g: 0 Posted By: Luniz97
Views: 40 Replies: 1 Ancona 5 Burners Gas Cooktop 30 - $349

http://www.costco.com/Ancona-5-Burner-30%22-Stainless-Steel-GAS-...

The Ancona brand is a quality/price benchmark for Italian designed kitchen and bathroom products, bringing you the benefits of styling, manufacturing and performance excellence as cost-effectively as possible.

Let gas cooking help you create meals like a professional chef in your home. Designed to perform as well as it looks, Anconas gas cook top features 5 gas burners which allow you to cook from a high heat for boiling, frying or searing to a low simmer for the most delicate sauces. Ancona gives you the precise control demanded by serious cooks.

Features:

Easy to clean stainless steel top construction
Cast iron burner grates provides durability and long lasting easy to clean finish
Elegant brushed stainless finish control knobs
Electronic ignition, with standard 110V plug
Flame failure safety device
Natural gas or LPG adapters included
Approved for US and Canada (ETL)
1 year manufacturer warranty
Dimensions (W x D x H): 20" x 30" x 2.5"; Weight: 35 lbs.



5 Brass Burner innovative design with over 43,000 BTUs including:

1X Innovative Triple Ring Super Rapid 5 jet nozzle burner providing 16,000 BTUs with 60% efficiency
1 x Rapid burner providing 8,500 BTUS
2X Semi Rapid burners providing 6,800 BTUs
1X Auxiliary burner providing 5,000 BTUs



Electrical connections must be made and fuel systems installed by qualified and licensed personnel. Improper installations present hazards, which can result in personal injury or property damage. Please contact a licensed residential electrician and your local natural gas or propane supplier for these services.


Ancona 5 Burners Gas Cooktop 34 - $399
http://www.costco.com/Ancona-5-Burner-34%22-Stainless-Steel-GAS-...
The Ancona brand is a quality/price benchmark for Italian designed kitchen and bathroom products, bringing you the benefits of styling, manufacturing and performance excellence as cost-effectively as possible.

Let gas cooking help you create meals like a professional chef in your home. Designed to perform as well as it looks, Anconas gas cook top features 5 gas burners which allow you to cook from a high heat for boiling, frying or searing to a low simmer for the most delicate sauces. Ancona gives you the precise control demanded by serious cooks.

Features:

5 Brass Burner innovative design with over 43,000 BTUs including: 1X Innovative Triple Ring Super Rapid 5 jet nozzle burner providing 16,000 BTUs with 60% efficiency; 1 x Rapid burner providing 8,500 BTUS; 2X Semi Rapid burners providing 6,800 BTUs; 1X Auxiliary burner providing 5,000 BTUs
Easy to clean stainless steel top construction
Cast iron burner grates provides durability and long lasting easy to clean finish
Elegant brushed stainless finish control knobs
Electronic ignition, with standard 110V plug
Flame failure safety device
Natural gas or LPG adapters included
Approved for US and Canada (ETL)
Dimensions (W X D X H): 20" x 34" x 2.5"
Weight: 39 lbs.
1 year manufacturer warranty



I haven't seen a 5 burner stainless steel 30" for anywhere near that price.

Appliance Deals
Volcom Alt Jacket $139.95 FS @ usoutdoor
Added on : Monday May 05th 2014 10:00:34 AM
g: 0 Posted By: tedhawkins
Views: 104 Replies: 0 Volcom Alt Jacket $139.95 FS @ usoutdoor

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

There is an alternative to inferior outerwear, and the Volcom Alt Jacket is here to prove it. Loaded up with all sorts of V-Science technology, this piece oozes performance to the tune of magical waterproofing and delightful breathability. A Drop Tail Fit gives you some bonus coverage so your seat doesnt get soaked every time you plop down on a soggy chairlift. Between the lycra hand gaitors, adjustable hood, powder skirt and hem cinch, you are able to seal out all stray snow for the most comfortable experience you have ever encountered in a blizzard. Delivering the goods when it matters, the Volcom Alt Jacket never fails to get the job done.
Features of the Volcom Alt Jacket

Fabrics/Materials: V-Science Washed Canvas
Breathability Rating: 10,000g
Windproof: Yes
Type of Waterproofing: V-Science 2-layer
Waterproof Rating: 10,000mm
Back Length: Center Back Length: 27
Pockets: Hand pockets, pass pocket, goggle pocket, media pocket, stash pocket
Fit: Standard
Hood: 2-Way Adjustable Hood
Cuffs: V-Science 2-way Cuff System
Gusseted: Mesh Gussets
Vents: Underarm vents
Powder Skirt: Yes, non-removable
Wrist gaitors: Lycra Hand Gaitors


Clothing Deals
Recent travel issues with United Airlines
Added on : Friday May 02nd 2014 09:00:13 AM
g: 0 Posted By: amhidogha
Views: 73 Replies: 1 The four of us (husband/wife, 7 yo and 8 mo) traveled recently. Had 2 problems with United that I need advice on how to follow up on.
1)
Baby car seat was checked in at departure. However, United apparently did not pack it in their usual plastic bag. When it was picked up at destination, sans plastic bag, it was badly dirtied with what looks like conveyer belt grease etc. Unfortunately it was noticed when putting the baby in the seat after having left the terminal etc. Going back wasn't a option. On the way back, was told by another UA rep that it is very unsanitary and that UA should not have done that. It is preferred/recommended the baby seat be replaced with a new one.

2) On the return journey early morning, had checked in online at least a couple of hours before the departure. At the airport, stood in line for quite a while at the bag drop line only to have my number come in and be told by the rep that I had to check in the bags myself at the kiosk and then bring them back. There were no sign/instructions anywhere on this procedure. At origin, this had all been done by the UA rep at bag drop itself.
Went back to the kiosk and got a message that it was too late to check in bags and to see agent. Was told to go to ticketing where it took more than an hour (with bags, child and infant, and of course miss our flight) only to be rebooked on a overnight/red-eye and an early morning connection with 4+ hrs layover. The rep was cold enough to say that they were doing us a favor for not voiding out our non-refundable tix and not charging us change fees despite my telling them the online check in and the problem was due to failure of instructions on their part.

Though seats were available on other airlines, the rep refused to do despite traveling with child/infant, saying why would she make United lose the revenue and that she would not want that on her record. Asked to speak with the manager who equally did nothing to help. Ended up having to haul everything out, rent a car again and haul back for the red-eye and further connecting flight, reaching the destination more than 16 hours later. All this was despite our original $600+/person local airfares.

What do folks recommend I do at this stage? Thanks.








Air Travel Deals
Account seems locked by Mint/Yodlee
Added on : Friday May 02nd 2014 06:00:10 AM
g: 0 Posted By: SinbadS
Views: 61 Replies: 1 I had my GE account locked out and when I called to inquire I was told it could be because Mint/Yodlee attempted multiple accesses and failed. Does anyone have similar experiences with Mint/Yodlee & their bank accounts?
General Economics Deals
double your sears syw points email offer (expires 5/14) ymmv
Added on : Thursday May 01st 2014 07:00:05 AM
g: 0 Posted By: CUinBlank
Views: 126 Replies: 0 Got an email offer from Sears titled "Get FREE Points back. Open now to grow your total." today. Good timing - $4 of my $25 expires 5/3.

Redeem your points on your purchase & we will match what you redeem making them worth double! Online & In store at Sears or Kmart
Offer ends 05/14/2014

*Maximum of $100 in points awarded per member, per transaction. Purchase requirement calculated before taxes and after discounts have been applied and must be made in a single transaction. Limit one coupon per purchase.Void if copied, transferred or obtained via unapproved means and where prohibited.Any other use constitutes fraud.Redeemable at Sears, Kmart, Lands' End inside Sears, Sears.com, & Kmart.com. Cash value 1/20. Online code limited to one-time use only and applies to merchandise marked sold by Sears or sold by Kmart. Sears Holdings reserves the right to terminate or modify this offer at any time for failure to comply with its terms and/or due to any operational malfunction of the software, hardware or equipment required to process this offer. Members earn points on qualifying purchases, excluding sales taxes and other fees. Subject to full program terms available at shopyourway.com. Must remain opted-in to receiving promotional emails from ShopYourWay to earn bonus points. Bonus points are inclusive of, and not in addition to, any base points earned on qualifying purchases.When bonus point offers are combined, total points earned will be less than the combined point totals for each individual offer. See shopyourway.com for details.

Offer valid through 05/14/2014 11:59PM EST.

Services Deals

Sears Coupons
Mortgage servicer fails to pay property taxes
Added on : Thursday May 01st 2014 02:00:07 AM
g: 0 Posted By: okwiater
Views: 80 Replies: 1 My mortgage servicer maintains an escrow account for property taxes and homeowners insurance. I received a copy of my 2012 property tax bill in July of 2013 from the county, and called them on July 27 to ensure they had received and would pay it. They said they would. Fast forward to April of 2014. I received a notice from the county on April 10 informing me that due to an unpaid tax bill they would move to place a tax lien on the property by May 1, and the lien would be auctioned on May 15. I called the lender that same day and informed them of the notice. They requested that I fax the bill to them, which I did that same day. On April 21, I checked with the county and determined that the bill had not yet been paid. So I called the servicer again and they informed me that they were actively engaging with my county's tax office and that the bill would be paid within "a few days." On April 28, I checked with the county again and determined that the bill had still not been paid. So I called the servicer yet again and they promised the issue would be escalated and the bill would absolutely be paid by April 30. Much to my surprise, I received an e-mail from them confirming that the bill had been paid and the funds deducted from escrow. Today, I checked with the county again and the bill is still unpaid. Also, since it is a new month, additional interest as well as a tax lien fee has been added to the account. My guess is the lender put the payment in the regular mail, and now the amount they sent won't be sufficient to cover the outstanding balance.

What should I do here? Obviously I'm not going to let the tax lien be auctioned and will resolve any outstanding balance before the 15th from my own pocket; however, I'm pissed about the lender's negligence having racked up $400 in interest and fees. The ideal scenario would be for the lender to reimburse the interest and fees, as well as to get the escrow removed from my mortgage. Do I have any leverage (under RESPA or any other consumer protection laws) to force the issue? Or are these things generally written in such a way that even their failure to pay the bills from my escrowed funds is somehow not a breach of contract or statute?

Note: I have made every one of my mortgage payments on time since the inception of the mortgage.
Real Estate Deals
g: 0 Posted By: ctgolfer
Views: 41 Replies: 0 Attractive and Highly Integrated Design
Ready to Fly Design
Contains Remote Control Unit. (Just add 4 x AA batteries)
Stable, Yet Agile Performance, Easy to Fly
Two Flight Control Modes, Including Position Hold
Intelligent Orientation Control (IOC)
Failsafe & auto go home/landing
Low voltage protection
Maximum flight speed 10 m/s
High Intensity LED Lights, To Aid Orientation During Flight
3S LiPo battery 2200mAh capacity provides 10 To 15 minutes of flight time
GoPro Camera Mount built-in (camera not included)
Hovering Accuracy (GPS Mode): Vertical: 0.8m, Horizontal: 2.5m
Max Yaw Angular Velocity: 200/s
Max Tilt Angle: 45
Max Ascent / Descent Speed: 6m/s
Max Flight Velocity: 10m/s
Working Frequency: 2.4GHz ISM
Control Channels: 7 Channels
Communication Distance: 1000m
Remote requires 4 AA batteries
Dimensions: 13.8 x 13.8 x 7.5
Weight: 6 ounces
Condition: New
Warranty: 90 Day

http://1sale.com/electronics/portable-electronics/drone-quadcopt...
DJI Deals

1Sale.com Coupons
Free Kindle Book- It's Party Time! Shooters for all Occasions
Added on : Tuesday April 29th 2014 01:00:05 AM
g: 2 Posted By: remick
Views: 140 Replies: 0 http://www.amazon.com/gp/product/B00IZ1VS3E

5.0 out of 5 stars (5 customer reviews)

Do you love the idea of a home party, but think it is too much work?

Do you entertain a lot, but want to serve something different next time?

Have you always wanted to try shooters, but didnt know where to start?

Are you hosting a beach-themed party and want something fun like Jell-O or pudding shooters?

Then, this book is for you. Inside are delicious, easy and quick, no-fail shooter recipes your family and friends will love. Inside you will find 80 shooter recipes, including:

- Mixed shooters
- Layered shooters
- Themed shooters, including Valentines Day, Christmas and St. Patricks Day
- Jell-O shooters, and
- Pudding shooters.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 21 Replies: 0 Faster - improves speed of loading applications and system boot up

Reliable - with no moving parts, solid-state drives are less likely to fail than standard hard drives

Economical - design optimised to make migrating to an SSD more affordable

Convenient - all-in-one kits with all the components for easy installation

Multiple capacities - to fit your workload

Form factor - 2.5-inch drive available in 7.0mm with adapter to fit in 9.5mm systems

Silent - cool and silent operation

www.newegg.com/Product/Product.aspx?Item=N82E16820239757
SSD Deals

Newegg Coupons
g: 0 Posted By: linrick
Views: 226 Replies: 1 everyone is selling this same set for $99+.

i found this at mansfield texas location for $65.80 (YMMV on locations & availability.) i used code 47000RRRRR0659R (thanks to post from herefor $10 off $50.)

2-3/8-in White Door Jamb Armor Set

the only patented solution that protects the jamb, door and hinges to protect your home and help eliminate kick-in damage
Inexpensive, attractive and effective alternative to "security doors" and screens- pieces are barely visible once installed and can be painted to match your door color
Does not require removal, replacement or alteration of the door or jamb- no routing, chiseling or cutting is necessary
Can be installed in under an hour by the average do-it-yourselfer
Warranty: 200 towards homeowners insurance deductible if product fails

very impressive video here

linkymoo
Home & Garden Deals

Lowe's Coupons
Save up to 42% on select Ideal Safety Lighting w/FS @ Home Depot
Added on : Saturday April 26th 2014 10:00:02 PM
g: 0 Posted By: ctgolfer
Views: 73 Replies: 0 IDEAL Security 2-Lamp Blackout and Power Failure White 6 LED Safety Light

Ideal 6-LED Blackout Power Failure Emergency Fixture Unit

www.homedepot.com/SpecialBuy/SpecialBuyOfTheDay
Home & Garden Deals

Home Depot Coupons
g: -1 Posted By: ctgolfer
Views: 205 Replies: 0 Fast - 10x faster than a 7200RPM hard drive

High Quality - features an LSI SandForce controller customized for Kingston

Reliable - with no moving parts, solid-state drives are less likely to fail than standard hard drives

Economical design optimized to make migrating to an SSD more affordable

Convenient - all-in-one kits with all the components for easy installation

Multiple capacities - to fit your workload

www.newegg.com/Product/Product.aspx?Item=N82E16820721107
SSD Deals

Newegg Coupons
g: 2 Posted By: remick
Views: 487 Replies: 0 http://www.amazon.com/gp/product/B00IMSGU9W

Some of these recipes have been published for the Kindle but here youll find EVERY Lazy Low Cal recipe ever published PLUS more than 60 new ones.
All the recipes have easy-to-find ingredients and simple instructions. Quick, low calorie recipes that are delicious and inexpensive, many of which you can get on the table in a jiffy.
Do you want to lose weight? All the recipes are portion controlled and tell you exactly how many calories and servings. There are main dishes, meatless options, side dishes, sweets and snacks all of them under 400 calories per serving.
Are you lazy? I am, so you know these recipes are simple. I'll never make you scurry around town shopping for spices or utensils you'll only use once.
Are you an inexperienced cook? These recipes can't fail. I've tried and tested all of them, and most are family favorites here at casa Lazy. I firmly believe my motto: "If you can read, you can cook." And if you've gotten this far in the description, I have faith in you.
Do you dislike cooking? Yeah, me too. Don't get me wrong, I like eating; I just get tired of the day-to-day grind of having to cook. So you can believe me when I say that I've figured out all kinds of lazy ways to turn ingredients into delicious meals.
Are you in your first apartment? I had my 20-something kids in mind when I created many of these recipes. They didn't have money but they had an oven, a microwave, some pots and pans, a refrigerator and running water. That's all you need. (Oh, you'll need electricity too.)
Are you a cheapskate? This cookbook is cheap like eight cents per recipe! Scandalously cheap. Ingredients are cheap. Recipes are portion-controlled so you'll have planned leftovers. You'll only need cheap, basic kitchen stuff. Cheap, cheap, cheap.
Have I convinced you? C'mon give it a spin! Take a peek inside and see if its right for you.



Freezer Meals: Quick and Easy Money-Saving Recipes
http://www.amazon.com/dp/B00I2VUDQA

4.8 out of 5 stars (22 customer reviews)

Written by a mom who knows what its like to juggle work and family, this book is for people who live busy lives but dont want to sacrifice nutritious, home-cooked meals. By preparing meals ahead of time and freezing them, you can easily have a healthy meal on the table without spending hours in the kitchen each night. Reduce your stress and stop resorting to unhealthy dinner options that are just convenient. This book will guide you every step of the way and includes:

Freezing guidelines
Food safety
45 delicious recipes including: soups, chicken, pork, lamb, beef, vegetarian, sides, pizza dough, desserts, and more!
Nutrition facts for each recipe
Cooking, freezing, thawing, and reheating instructions for each recipe

50 Quick and Easy Recipes For Breakfast - Including Pancake Recipes, Waffle Recipes and Crepes Recipes
http://www.amazon.com/dp/B00A731YDC


also

Cobbler - The Ultimate Recipe Guide
http://www.amazon.com/dp/B0098NDSCM

Cornbread :The Ultimate Recipe Guide - Over 30 Delicious & Best Selling Recipes
http://www.amazon.com/dp/B00FBZX4FW/?ie=UTF8&link_code=as3&camp=...
Totally Free Deals
Free Kindle Book- Lazy Low Cal Lifestyle Complete Cookbook
Added on : Thursday April 24th 2014 02:00:10 AM
g: 0 Posted By: remick
Views: 141 Replies: 0 http://www.amazon.com/gp/product/B00IMSGU9W

Some of these recipes have been published for the Kindle but here youll find EVERY Lazy Low Cal recipe ever published PLUS more than 60 new ones.
All the recipes have easy-to-find ingredients and simple instructions. Quick, low calorie recipes that are delicious and inexpensive, many of which you can get on the table in a jiffy.
Do you want to lose weight? All the recipes are portion controlled and tell you exactly how many calories and servings. There are main dishes, meatless options, side dishes, sweets and snacks all of them under 400 calories per serving.
Are you lazy? I am, so you know these recipes are simple. I'll never make you scurry around town shopping for spices or utensils you'll only use once.
Are you an inexperienced cook? These recipes can't fail. I've tried and tested all of them, and most are family favorites here at casa Lazy. I firmly believe my motto: "If you can read, you can cook." And if you've gotten this far in the description, I have faith in you.
Do you dislike cooking? Yeah, me too. Don't get me wrong, I like eating; I just get tired of the day-to-day grind of having to cook. So you can believe me when I say that I've figured out all kinds of lazy ways to turn ingredients into delicious meals.
Are you in your first apartment? I had my 20-something kids in mind when I created many of these recipes. They didn't have money but they had an oven, a microwave, some pots and pans, a refrigerator and running water. That's all you need. (Oh, you'll need electricity too.)
Are you a cheapskate? This cookbook is cheap like eight cents per recipe! Scandalously cheap. Ingredients are cheap. Recipes are portion-controlled so you'll have planned leftovers. You'll only need cheap, basic kitchen stuff. Cheap, cheap, cheap.
Have I convinced you? C'mon give it a spin! Take a peek inside and see if its right for you.
Totally Free Deals
g: 0 Posted By: vlmyfox
Views: 250 Replies: 1 Please note that the coupon may appear invalid when apply to cart. Lenovo is aware of this problem and is fixing it now. Before it got fixed, chat with CS. I chated with CS and the coupon was applied to cart successfully.

http://shop.lenovo.com/us/en/landingpage/promotions/thinkpad/adm...

code: THANKYOU

Administrative Professionals Day Offer

YOUR SAVINGS PER SYSTEM: $10 OFF $50 // $20 OFF $500 // $50 OFF $1000 // $100 OFF $2000

Limits: Limit 5 per customer. Offers valid from Lenovo in the US only.Availability: Offers, prices, specifications and availability may change without notice. Lenovo will contact you and cancel your order if the product becomes unavailable or if there was a pricing or typographic error.General: Review key information provided by Microsoftthat may apply to your system purchase, including details on Windows 8, Windows 7, and potential upgrades/downgrades. Lenovo makes no representation or warranty regarding third-party products or services.Trademarks: Lenovo, ThinkPad, ThinkCentre, ThinkStation and the Lenovo logo are trademarks of Lenovo. Microsoft, Windows, Windows NT, and the Windows logo are trademarks of Microsoft Corporation. Ultrabook, Celeron, Celeron Inside, Centrino, Centrino Inside, Core Inside, Intel, Intel Logo, Intel Atom, Intel Atom Inside, Intel Core, Intel Inside, Intel Inside Logo, Intel Viiv, Intel vPro, Itanium, Itanium Inside, Pentium, Pentium Inside, Viiv Inside, vPro Inside, Xeon, and Xeon Inside are trademarks of Intel Corporation in the U.S. and other countries. Other company, product or service names may be trademarks or service marks of others. www.intel.com/go/ratingWarranty: For a copy of applicable warranties, write to: Lenovo Warranty Information, 1009 Think Place, Morrisville, NC, 27560. Lenovo makes no representation or warranty regarding third party products or services. The Lenovo Limited Warranty applies only to Lenovo hardware products purchased for your own use, and does not transfer upon resale.Battery: These systems do not support batteries that are not genuine Lenovo-made or authorized. Systems will continue to boot, but may not charge unauthorized batteries. Attention: Lenovo has no responsibility for the performance or safety of unauthorized batteries, and provides no warranties for failures or damage arising out of their use. Battery life (and recharge times) will vary based on many factors, including system settings and usage.Pricing: Does not include tax, shipping and handling, or recycling fees. Reseller prices may vary. Savings referenced off regular Lenovo web prices.**Ship date: An estimated ship date will be posted on our order status site after your order is placed. The date reflected above does not determine when your order will ship since inventory status may change before your order is final and because items may be held until all products on the order are ready to ship. To obtain the latest information about the availability of a specific part number, please call the phone number listed in the masthead at the top of this page. A flat charge for shipping & handling may apply for certain orders, as indicated on the Checkout page.
Laptops Deals

Lenovo Coupons
g: 3 Posted By: prastogi
Views: 1271 Replies: 17 There is an ongoing xoom promotion (for new customers only) to transfer $150 or more and get Amazon e-gift card of $50. There is no expiry date for the promotion but I think it will end soon. I tested it today and it worked seamlessly!
the exchange rate is not so good but the promo makes up for it. Debit card transfer is 4.99, ACH - $2.99. There is a credit card option but it counts as cash advance so ignore that. Also gift cards (with PIN) dont work - I tried it but it fails.

use coupon code: comeback2014 for waiving transfer fees for first time customers. International transfers only
xoom amazon promo
xoom walmart promo

PS: new customer => new email address and new sender's bank account details. Recipient is a dont-care - also note that the WalMart GC deal now shows up on several banner ads ($50 WMT GC with $100 transfer).
Deposits Deals
g: 0 Posted By: ctgolfer
Views: 91 Replies: 0 Craftsman Garden Hose Full Warranty
If this Craftsman garden hose ever fails to provide complete satisfaction, return it to any Sears store or other Craftsman outlet in the United States for Free Repair or replacement.
This warranty applies for only 90 days from the date of purchase if this product is ever used for commercial or rental purposes.

www.sears.com/shc/s/p_10153_12605_07163026000P
Garden Deals

Sears Coupons
xoom.com promo- $50 amazon gift card when you transfer $150 or more
Added on : Monday April 21st 2014 06:01:56 PM
g: 0 Posted By: prastogi
Views: 163 Replies: 2 There is an ongoing xoom promotion to transfer $150 or more and get Amazon e-gift card of $50. There is no expiry date for the promotion but I think it will end soon. I tested it today and it worked seamlessly!
the exchange rate is not so good but the promo makes up for it. Debit card transfer is 4.99, ACH - $2.99. There is a credit card option but it counts as cash advance so ignore that. Also gift cards (with PIN) dont work - I tried it but it fails.

use coupon code: comeback2014 for waiving transfer fees for first time customers. International transfers only
xoom promo
Deposits Deals
g: 1 Posted By: remick
Views: 107 Replies: 0 http://www.amazon.com/gp/product/B00JOX4TM4

4.9 out of 5 stars (15 customer reviews)

Whether you believe an economic collapse is imminent, the power grid is doomed to fail, you are concerned about a natural disaster or you are preparing because you see how unsustainable this system really is, we need to be prepared for anything. We cant afford to get blindsided by something because we are looking in a totally different direction.
Preparedness should be a mindset, not a fad. Regardless what people believe, it's not all about doomsday, small scale disasters could change our lives as well.
To become a seasoned prepper we need to start from ground zero and work our way up, and we need to do it in a way that doesn't put us in the poor house.
Preparing is also very personalized, there is no one way to build your food storage and no one way to build your bug out bag. All of our situations are different, and we need to plan accordingly.
This is not your typical prepping book; you will not find a list for items you need in the event of a disaster. What you will find is the information you need to build your supplies evenly over time, what to expect from others who are not prepared, form a plan based on our personal situation and do it in a way that helps you become more self-reliant over time.
This book takes disaster preparedness one step further because we are going to give you full access to the Survivalist Prepper Academy free for 60 days. In the academy we have a list of downloadable files, survival courses, prepping courses, spreadsheets and other members only content.
Totally Free Deals
5 FREE Kindle Self Help Books
Added on : Tuesday April 15th 2014 05:00:12 PM
g: 0 Posted By: fsidos
Views: 63 Replies: 0 Ready, Set...PROCRASTINATE! 23 Anti-Procrastination Tools Designed to Help You Stop Putting Things Off and Start Getting Things Done =16px[Kindle Edition]http://www.amazon.com/gp/product/B00IKMP6FOStop Being Lazy Right Now!: How To Break The Procrastination Pattern Forever !! Get Your Black Belt in Getting Things Done !! Improve your Life and Get Results !! WHY WAIT? CHANGE YOUR LIFE NOW !! =16px[Kindle Edition]http://www.amazon.com/gp/product/B00JEU5GJCAstrology For The Soul: Discover Happiness, Prosperity and Superior Health Locked Within Your Sign =16px[Kindle Edition]http://www.amazon.com/gp/product/B00JFF5JMALearning From Failure: 11 Sure Fire Ways To Turn Your Worst Failures Into Your Biggest Success =16px[Kindle Edition]http://www.amazon.com/gp/product/B00JL2O9LYMindfulness Meditation: 10 Minute Awareness Techniques For Quieting The Mind-Let Go Of The Past And Cultivate Mindfulness Meditation To Overcome Suffering ... Meditate, Meditation Techniques, Meditation) =16px[Kindle Edition]http://www.amazon.com/gp/product/B00JIO9OCE




Books & Magazines Deals
g: 0 Posted By: tuphat
Views: 189 Replies: 2 "Rowan Williams, the former Archbishop of Canterbury, has challenged the assumption that borrowers always have a moral responsibility to pay back their loans.

Debt repayment is not a "moral absolute", he said, because banks and lenders have themselves failed to accept the moral responsibility for their lending.

Dr Williams said the global financial system has repeatedly ignored and sidelined in every possible way the principles on which much of the Western world's moral code is based."

http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/...

FWIW, I think the padre is walking a very very fine line ...
General Economics Deals
Social Security Number on check sent with tax return
Added on : Monday April 14th 2014 06:00:07 PM
g: 0 Posted By: bighitter
Views: 195 Replies: 4 I owe tax with my state return. The instructions say to write the social security number on my check. Given all the recent reports of identity theft, should I comply? My concern is possible identity theft at the bank processing center. What do other FWer's do?

Edited to add this online article:

"Who has the right to request your SSN? Federal law mandates that state Departments of Motor Vehicles, tax authorities, welfare offices, and other governmental agencies request your SS number as proof that you are who you claim to be. However, the Privacy Act of 1974 requires that government agencies at the local, state, and federal level disclose to each person whether submitting your Social Security number is required, details on the use of this information, and what law or authority requires its use.Please note that this Act stipulates that no one can deny you a government service or benefit for failing to provide your SSN unless federal law specifically requires it.You aren't legally required to provide your SSN to businesses unless one of the following is true: You'll be engaging in a transaction that requires notification to the Internal Revenue Service; or You're initiating a financial transaction subject to federal Customer Identification Program rules... "

.Article here
Tax Deals
g: -2 Posted By: b16899
Views: 217 Replies: 5 $14.95+FreeShip OEM 64GB MicroSD XC Class 10 + SD Adapter UHS-1

http://petlinedepot.shop.rakuten.com/p/oem-64gb-microsd-microsdh...

Something wrong with the link that I failed to fix it. YMMV
Micro SD Deals

Rakuten.com Shopping Coupons
Activation vis a vis Heartbleed
Added on : Thursday April 10th 2014 04:00:08 AM
g: 0 Posted By: shinobi1
Views: 86 Replies: 1 I had already posted on activation, in general, earlier this year:

Link to old thread

Tried to add this there, but that thread now seems to be closed.

So given:

1. Nobody wants to suffer the hassle of fraudulent CC charges, even though there is unlikely to be monetary loss.
2. Many of us have a sock drawer filled with dormant credit cards.
3. Heartbleed has now been revealed.
4. Changing passwords can be inconvenient.

I'm liking the option of activation avoidance for dormant credit cards (see earlier thread).

Upon logging into account received a message from my daily user, Priceline (Barclays), suggesting I change my password. I didn't want to, but I felt it would nevertheless be prudent to follow their recommendation. I changed my Priceline password.

Next thought went to the overflowing sock drawer. Way too much hassle to change all those passwords. Just gonna let the problem atrophy through multiple failures to activate.



Credit Deals
g: 0 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/dp/B00IDHDHMK

5.0 out of 5 stars (9 customer reviews)

If you travel and work online, youre dependent on technology. Love it or hate it, its part of your daily life without it, you wont get paid and yet its something thats barely mentioned when people talk about this lifestyle.

Working from the road comes with a unique set of challenges. The systems, equipment and processes that are perfect in a traditional office environment rarely work well outside of it. Unreliable Internet and no dedicated workplace make productivity a challenge, and the need to fit everything in your luggage severely limits your equipment choices.

Security is a major problem, yet one thats largely ignored until its too late. Theres a big difference between sitting in a cubicle protected by access cards and security guards, and wandering around the streets of a foreign city trying to find a cafe to work in. In the euphoria of finding a wireless network that actually functions, its rare to stop and think about the passwords and confidential information that youre sending across it and who else might be looking at them.

The risk of equipment failure is much higher on the streets of South East Asia than in an air-conditioned Manhattan office, yet theres no tech support person backing up your data or ready to come around with a new laptop when yours breaks.

You cant just walk around to a colleagues desk when theyre ten thousand miles and nine time zones away. Working together with a business partner or client is much harder when you're on the road, especially if youre trying to do everything by email.

If youre like most digital nomads, youre not a tech guru nor do you want to be. Instead, youre an expert in your own field an artist, photographer, writer, engineer or something else entirely. Every hour thats wasted trying to fix a computer problem is an hour youd much rather spend doing anything else. You just need things to work, using the right tools for the job and having enough knowledge to get everything done safely, securely and with a minimum of hassle. Technology is simply a means to an end.

Ive written this book for you.

Whether youre already a digital nomad or are planning to be, this book provides you with the straightforward, practical tech advice you need to work safely and effectively from anywhere.

Ill give you the knowledge to choose exactly which equipment you need and be certain about what you don't. Whether its a laptop, phone, hard drive or anything else, youll be able to focus on the features that matter on the road, and go beyond the sales people and specifications to make truly informed decisions.

Ill help you and your data stay secure in highly-insecure environments (including some you probably havent thought about). Youll have the right tools and gear to get faster, cheaper and more reliable Internet connections anywhere in the world and will know what to do when those connections inevitably stop working.

Youll save money on phone and data bills, and be able to collaborate effectively with others whether theyre on the other side of the table or the other side of the world. Youll know exactly how to prevent a tech disaster from destroying your business, and which websites and apps are worth your time and money.

In short, I completely demystify the technology behind life as a digital nomad. By the end of this book, youll be armed with the technical knowledge, skills, equipment and tools to run your business from wherever in the world you happen to be.
Totally Free Deals
Son wants to be a Pediatrician, what's a backup plan if he fail?
Added on : Monday April 07th 2014 08:00:06 PM
g: 0 Posted By: OneBread
Views: 51 Replies: 2 My son is a senior in HS and he wants to become a pediatrician as a career goal. That would be great if he cando it and I support him all the way. But frankly I have serious doubt if he can do it. I just don't think he has the smarts. I'm not just being hard on him; just realistic. He tries very hard in HS but the grades and tests don't reflect his effort. As an example, he already took Calculus and currently taking AP Calculus, but his college assessment test shows his math level should be intermediate Algebra. So my question is this:

What if he pursuit the pediatrician path but does not make the cut? What is a relevant backup plan? Does he become a medical lab technician or work in a hospital lab or something?
Question Deals
g: -1 Posted By: neophyte
Views: 34 Replies: 0 Three of my Target cards had been breached in the last week (out of 8 I use)

All the cards had a very standard pattern: load at Target, unload at Costco ATM, never used anywhere else or exposed online/offline in any way.

All the fraudulent transactions are from three places:
Oil Completion (AMEX)
USA TECHNOLOGIES INC - Purchase w/BR
CHEVRON MADISION CHEVRON 7710 MADISION TAMPA 840 - Partial Purchase w/ AVS (AXP)

All the transactions are up to $100, CS had mentioned they're from "race track"

The only explanation I have is a Target data breach - either from the last year or a new one...
AFAIK they sent no fraud communications for these cards last year, and definitely did not replace them

Working with CS is of limited use - they will file the dispute per transactions, and fail to realize the urgency (fraud-in-progress) and implications if this is a result of data breach.

So - I'm I unique or do we have a fellow victims ?

Personal Finance Deals
Student loan provider screws up account balances. Recourse options?
Added on : Sunday April 06th 2014 07:00:07 AM
g: 0 Posted By: ricksreck
Views: 14 Replies: 0 Hi FWF, this one is painful as it is quite a pickle.

My student loan provider, "mygreatlakes.org", had a "system glitch" (as the customer support manager called it) sometime between February 10th and March 10th. The glitch was blamed by the support manager for the incorrect account balances displayed on multiple loan holder accounts. In my case, the total account balance for all of my loans was not manipulated, but the individual tokens (the different accounts with different interest rates that make up my total account balance) was. Here are the details:

1) I made a payment on January 27 to pay off the entire balance of my higher interest rate loan. 100% of this payment should have been applied to my higher interest loan because:
i) I am already ahead on my payments until January of 2017.
ii) and I already made a payment earlier in the month of January (so the requirement of applying a portion of your monthly payment to the other tokens in your account does not apply here --That was done for the earlier payment in January).

2) On February 10th I logged into my account to see that the transaction was properly processed. I found only 85% of my payment went to the higher interest loan, and the other 15% went to the lower interest loan. (instead of the entire 100% to the higher interest loan.

3) I immediately took screenshots of the transaction details for reference. I have details showing:
i) the transaction amount is equal to the balance of the higher interest loan balance (before the Jan 27 transaction)
ii) both my higher and lower interest loan balances before the transaction
iii) the loan balances after the transactions

Now the situation gets juicy!

4) I called to dispute the facts. The customer service rep apologized and said the account would be corrected within 10 business days.

5) I called back in 10 days because the new balance on my higher interest loan was over $1000!!! they actually added to my net account balance. Customer service apologized and said the account would be corrected within 10 business days.

6) I called back in 10 days. The balance was still not $0, in fact, it was even higher than the 15% left over from my Jan 27 payment (reference point 2 above -only 85% of my payment went to my higher interest loan I am trying to pay off). Now the transaction had been re-re-adjusted so that only 75% of my payment went to the higher interest loan. It only got worse... ughhhh!

7) I called back. The first time they said they would fix it and to check back in 10 days. 10 days later it still was not fixed.

8) I called back. This time the customer service rep did not believe me that my account should be at 0% for the high interest loan (problem #1), nor did she believe that my higher interest loan balance was previously at 15% of my January 27 payment (problem #2).

9) good thing I took screenshots... I emailed her the screenshots of the original transaction details.

10) She called me back four times over the course of two weeks; either to tell me they are still looking into it or to ask me questions. by the third week of her investigation I had not heard back from her.

11) ...So I called back... I got a new manager. This one blamed the balance issues on a "system glitch" which affected many different borrower accounts.
i) I asked her why I had not been informed of this upon its discovery. She said there was no need because it was quickly fixed. I became furious, but held my temper best I could.
ii) I asked her details about the glitch: how it happened? what did it do, exactly, to my account? I asked her to explain how the old 15% balance was figured before this hypothetical "glitch". ...She only started claiming facts off the top of her head which made me even more furious, but I still held my temper best I could.
iii) I requested all account history since my grace period ended (which was less than 6 months ago, so not very difficult). ...she couldn't even get that right because she only sent me history for the higher loan loan. Also, please not that the "history" information she provided me was generatedonly afterthis mysterious glitch. So, even though they may reflect the payment history as their system notes it is to date, there is no way of telling if this "glitch - correction" didn't modify my payment history distributions to individual tokens as well. This is what scares me, because if there was a glitch to begin with, how can one be sure that the system didn't glitch again in what they call their "glitch - correction". [Unfortuately, I am not lucky to have full account transaction history screenshots to accompany my Jan 27 transaction].


Ughhh....
That said, Is there any recourse to this? mygreatlakes.org offered to backtrack the interest to my Jan 27 payment (just wipe it out), which is a nice gesture, but they will not re-re-re-adjust the account (put the account back to the way I saw it when I took screenshots --problem #2.

Do I have a right to not pay any loans until they can prove that this was actually a glitch, AND that the current balance is actually correct. They haven't been able to do either of these things. I don't believe I should be obligated to make payments again until they can show me exactly WHERE and HOW this happened, and that it is in fact fixed. I had been following the old account history (prior to the glitch) and making multiple payments a month. I never noticed any incorrect calculations for any of those transactions. Please note: I am not saying i shouldn't pay my loans, I am saying I shouldn't be obligated to make payments or be charged interest until this issue is truly corrected... don't forget, they also failed to inform me in any way that my account had been "glitched" and manually manipulated to "correct" the glitch.




As forproblem #1--higher interest loan balance should be 0%-- that is just a whole other can of worms. I'll save that for a different day... maybe another thread.

Thanks guys!
g: 0 Posted By: lemonhead
Views: 174 Replies: 0 I figure if Kroger offers something (like 1 point per dollar, and 1000 points = $5 in groceries) SOMEONE else has to have a similar thing that can easily be funded so I can pay for my healthcare (healthnet in case anyone was wondering)
They claim I can't use my credit card except for the first payment, I will test this next month, but I need a fail safe backup plan in case that doesn't work.
Anybody seen anything like this that has no "re-funding fees" or
Question Deals
Would you sell a used defibrillator?
Added on : Wednesday April 02nd 2014 07:00:09 AM
g: 1 Posted By: Treefarn
Views: 121 Replies: 2 I have been selling stuff on eBay for a few years, mostly phones and electronics. Knowing this, as my father winds down his business operation, he has been bringing me office electronics and things to try to sell for him. Today he brought a defibrillator.

He states its never been used, though obviously it is not in its original packaging, as it was mounted on the wall of the office warehouse. The battery still shows as functional (its got a blinking light to show its still powered). The pads are expired but can be purchased from the maker. It sells used for > $1000.

While the 'let the buyer beware' policy is always in effect for used merchandise, I feel a little leery selling this. If a phone I sell doesn't work, someone can return it. If it doesn't work 6 months later, buy a new phone. If the defibrillator fails, someone's dead. Am I liable? No idea.

Would you sell this? Am I right to be cautious? (And would you want to work in an office that buys used defibrillators for its employees?)

​(I put this on this forum (rather than online auctions) as I am concerned about the liability, not the mechanism of sale).
Discussion Deals
g: 2 Posted By: remick
Views: 230 Replies: 0 http://www.amazon.com/dp/B005OYUI3Q

4.5 out of 5 stars (31 customer reviews)

Practical Steps to a Deeper Faith
Sometimes faith demands action. This practical book gives Christians ideas for how to adjust their hearts to get closer to God.
Each chapter contains a unique challenge and a brief explanation that puts the challenge in context. Exercises include acts of service to others, extended prayer, Scripture memory, fasting, a day of gratitude, media fasting (no TV or Internet), evangelism, and much more. The challenges are broad in scope, allowing people with varying personality types and learning styles to benefit from them.



Woman Who Trusts God, A: Finding the Peace You Long For
http://www.amazon.com/gp/product/B005WVIUJK

4.9 out of 5 stars (16 customer reviews)

Our lives are filled with in-between times, those times when we are not quite where we would like to be (or where we thought we'd be). Dreams are on hold, prayers seem unanswered, and life can feel hard. And just when we think we have it all together, life happens again! During these times it can be difficult to see God in our situations and trust him with the future.
With empathy and wit, Debbie Alsdorf uses the book of Philippians to encourage women to lean on God, to live one day at a time, to rejoice and not to worry, and to give thanks to God in all
circumstances of life. The confidence and peace readers will gain from the perspective presented in this loving book will help them live fully in the moment, in every season of life.



Christian Poems - for Inspiration and Meditation
http://www.amazon.com/gp/product/B009ET1C8M

Christian Poems is a comprehensive compilation of religious verse from some of the finest writers in the English language. This book showcases a wealth of work from writers such as Shakespeare, Donne, Wordsworth, Blake, Byron, D.H. Lawrence, T.S. Eliot, Thomas Hardy and a host of literary greats. The poems provide food for thought and renewed significance in a world where the need to reconcile modern life with spiritual well-being is greater than ever before.



Dreams That Last: Building a rock solid foundation to pursuing dreams with a family
http://www.amazon.com/dp/B00I3J9TMK

4.7 out of 5 stars (15 customer reviews)

Dream chasing is difficult to do. Put in the responsibility of being a spouse and a parent into the mix and some days it feels pretty impossible. In this book I will talk about chasing dreams and visions for your life while you have a family. It is important to chase those things that have been put inside of you, but not at the extent of your faith walk or the health of you and your family. This book is all about laying a firm foundation. By firming up your foundation you will be able to reach your dreams quicker and it will be much more fulfilling. The great thing about Dreams That Last is it is not some theory. It is real life failures, defeats, and victory. Step into all that God has for you by chasing your dreams the right way!
Books Deals

Amazon Coupons
g: 0 Posted By: robronson
Views: 32 Replies: 1 I've never tried this and am afraid to ask because it may be a forgiveness is easier than permission thing. I want to pay for customer/client business expenses, such as airfare, hotel, food, etc, using gift cards, and submit the reimbursement as normal. Is that allowed? Is it legal? Does it depend on the client? Tips/tricks to get it to work?

I've heard of coworkers at a previous company I worked for who traveled a lot and someone tried to redeem reward points for the hotel and then bill the customer. That didn't work and the company actually made an official policy that said you can use your reward points to pay for hotel/airfare but you can't submit a reimbursement, so if you want to do it to help the customer then feel free but there's nothing in it for you.

I'm not looking to do that because that's clearly a problem. But what if I buy Marriott gift cards from Lowes, using Chase Freedom for 5% off during Q2, and then use the Marriott Gift Cards to pay for my hotel, and request reimbursement. Instead of the usual 2% Cash Back I get from the Marriott purchases, I get 5% back because I got to use my Freedom card. The downside is the invoice/receipt will likely list it as a gift card payment.

In another idea, I had an airliner offer me a $100 voucher for a problem on a flight. It's technically a "gift card". I thought about applying that to my next ticket, which I book directly, and then submitting the reimbursement for the full amount. $100 in my pocket. This seems more grey/borderline than the previous idea.

There's ways to convert points of some programs into gift cards. Marriott is one where at least in the past you could convert 100k points into something like $1k worth of Marriott gift cards. Then in theory use the gift cards to pay for rooms, submit reimbursement to customer.

Anyone doing anything like this? Tried and failed? Best way to maximize the opportunity?

g: 1 Posted By: remick
Views: 272 Replies: 1 http://www.amazon.com/your-best-coach-Brilliant-Ideas-ebook/dp/B...

Be your own best life Coach is an inspirational guide to help readers take control of their lives and motivate themselves effectively so they can achieve their goals. Packed with advice to help readers realise their ambitions and shrug off the fears holding them back, covering everything self-starters need so they can identify their issues and resolve them by acting as their own life coaches. Practical and easy to implement, the advice includes ideas for staying true to yourself, ways to prioritise what is truly important (and get rid of what isn't), tips on performing spot checks and assessing progress, expert ideas for coping with stress and looking after yourself, tools for breaking projects down into manageable chunks that add up to big results, ways to remain resilient and learn from failure, motivation techniques for staying focused, and advice for accepting and loving yourself so you can realise your true potential. This book is simply brilliant. It offers fantastic expert tips and advice to empower readers to achieve their plans, on their own terms. All ideas are tried and tested - discover effective and practical ideas for making positive life changes.

Also


550+ Positive Affirmations: Become a Better You in 30 Days: Get Positive Thinking Energy ,101 Collection Categories (If You Believe You Can)
http://www.amazon.com/550-Positive-Affirmations-Collection-Categ...

When you feel weak, hopeless and depressed in your life, you cant overcome these difficulties and just want to escape immediately. In these moments, you must look for good advices and change your negative thinking to positive thinking in order to solve these problems.

The following collection quotes in different categories will touch your heart on the occasions of serious illness, difficult times, divorce, suffering, painand so on. All of these good quotes may be used for your specific needs and help you to release stress when you are in poor situations.
These quotes can change your life and make you get out of these poor situations. The more quotes you can keep in mind and the more strength you can have to face the life's challenges. Therefore, your life will be full of joy and peace.
Additionally, the quotes in this ebook are classified in 30 days and you can read them every day. If you want to get positive energy and success, remember to read this ebook all the time.
Books Deals

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

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

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

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

Cabela's Coupons
Issue in opening chase new checking account with bonus
Added on : Tuesday March 25th 2014 05:00:06 PM
g: 0 Posted By: mgupta001
Views: 97 Replies: 0 So i caught up with chase checking account bonus churn yesterday. Last 4 times i have persuaded my wife as usual to open the checking account to get the checking account bonus and closed the account after 6 months.
This time we reached to the branch with the $200+$200 checking & saving account coupon to open both accounts. After the initial conversation, the banker started with the account opening process. In between she left to call the branch manager. The manager looked up the screen and said she had 3 accounts in the past. for that my wife responded that those must have been closed. The branch manager started looking at few more information on the screen and came back to us that all those accounts were opened with a bonus coupon and was closed right after the 6 months. he mentioned all these are noted on her profile. Then he asked was this for only to get the bonus for which my wife responded no.
he went on asking what makes you open a new account and what is the guarantee you will continue using after 6 months. For that my wife said we are planning to buy a house and wanted to open a saving account for the down payment.
Apparently the BM was satisfied and said the banker to go ahead as we will get 1099 anyway.

After that other banker came over to help us in opening the account. not sure what z wrong with the previous banker, she said she has to leave. but we found she was still there helping other customer when we were leaving. i wrote a check for $17K as i was planning to keep that money in the account to avoid the maintenance fee. I insisted him to print the tracking information for the coupon for which he confirmed to do that. however i couldn't find the tracking information in the final paper work which he handed over to us. I asked him again to print the tracking information for us. Apparently he tried to print the screen but the print failed for some reason. he showed me on his computer that he has redeemed the coupon and we will get the bonus.
when we were leaving the bank, the banker who helped us was giving high five to the manager. not sure why.

Now question is:
1. will she get the bonus? we do have the coupon which the banker used for the account opening. In worst case we will call him and inquire.
2. Is the churn over for her. She is anyway totally pissed off and most probably wouldn't be opening the account again. Is it a good idea to keep the account open now on as she may not be able to open a new one later on?
the banker was asking her to apply for the credit card as well as she was pre-approved. she didn't take that offer.
3. I am also about to open the similar account in few days. what should be my strategy?

DataPoints:
1. my wife doesn't have any other relation with chase .. i.e. no credit card
2. This is the same branch she used in past to open her last 3 accounts.
3. I have chase freedom & sapphire card.


Credit Deals
Free copy of Hard Disk Sentinel Standard Edition for PC (was $23.00)
Added on : Tuesday March 25th 2014 07:00:02 AM
g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.bitsdujour.com/software/hard-disk-sentinel

Have you ever suffered through the pain and agony of a hard drive failure? To you, it's pretty straightforward -- one day your computer is humming along smoothly, and the next day it won't boot at all. But what you may not know is that, beyond the capabilities of your human senses, a whole host of little warning signs and other signals can actually tell you when hard drive failure is imminent! That's why Hard Disk Sentinel is so important.

Hard Disk Sentinel monitors and analyzes your hard disk and solid state drives, giving you valuable feedback on the health of the drive, any performance degradations, and warning of impending failure. With Hard Disk Sentinel, you'll be able to find, test, diagnose, and even repair disk drive issues before they escalate to catastrophic status.

And you won't have to worry about getting overwhelmed with a bunch of technical babble -- Hard Disk Sentinel gives you an easily understandable description of what's going on, and offers tips on how to proceed! A laundry list of alerts and reports gives you the ultimate flexibility to determine how close you wish to monitor your drives, letting you safeguard your data at all times.

Unlike some other titles on the market, Hard Disk Sentinel is a complete monitoring solution. There's no need to purchase other tools in order to verify internal hard disks, external hard disks, SSDs, or disks in RAID arrays!

What kinds of info do you get with Hard Disk Sentinel? How about temperature, and the ability to view S.M.A.R.T. (Self Monitoring, Analysis, and Reporting Technology) data, a feature built into the latest disk drives. There's also real-time monitoring of disk transfer speeds, an important indicator of a failing hard drive!
g: 4 Posted By: remick
Views: 852 Replies: 0 http://www.amazon.com/dp/B00993KQLM

4.8 out of 5 stars (6 customer reviews)

Simple Home Brewing Master Collection is the complete collection of John Anderson's Simple Home Brewing Series, a series about making home brew simple with many different tastes. To many people make home brewing recipes complicated when they don't need to be. I have written this book to show how simple and easy Home Brewing can be.
Easy to use for beginners and explained in simple terms so that the reader can easily make simple tasty home brews. The recipes can also be used as inspiration for your imagination or just as a reference.
The master collection contains the following books in one volume.

Simple Home Brewing Recipes ASIN: B008RA40RY
Simple Home Brewing Recipes II ASIN: B00914I3LO
Simple Home Brewing Fruit Beer Recipes ASIN: B0091Z6HRA
Simple Home Brewing Spice Beers Recipes ASIN: B0098QWORY


Cooking with Beer - The Ultimate Recipe Guide
http://www.amazon.com/Cooking-Beer-Ultimate-Recipe-Guide-ebook/d...

Cooking with Beer is a sure way to add flavor to any dish! Impress your friends and family at parties with your fun and creative recipes.The alcohol in beer evaporates when cooked, enhancing the flavor of the food and makes it more sweet or acidic depending on the dish. We have collected the most delicious and best selling recipes from around the world. Enjoy!

Enjoy Delicious Cooking with Beer Recipes Today! Scroll Up & Grab Your Copy NOW!



Also free:

Troubleshooting Methodology for Homebrew
http://www.amazon.com/Troubleshooting-Methodology-Homebrew-Jason...

Troubleshooting Methodology for Homebrew is a short eBook intended for the novice to intermediate brewer or anyone interested in learning the basics of evaluating a beer. This book will help define many common beer flavors and aromas and their descriptions, both the good and the bad. Hopefully you find this helpful.

Below is an excerpt from the chapter: 'Identifying the problem: Putting It All Together

So now that we have all the basic knowledge we need to evaluate the beer, what next? Well, at this point you know how to evaluate a beer by aroma, taste, and feel. You have a general understanding of the most common flavors and aromas in beer in regards to malt, yeast, hops, and water. You have an idea of some common flaws. You also have knowledge about how to use style guidelines as a Target for your beer evaluation round. You put all these components together to come up with what your beer is like right now, and honestly that part is harder than acquiring this basic knowledge. The hardest part is letting go of the idea of what you were shooting for or what the beer was supposed to taste like and really taking a look at the beer in an open minded and non-judgmental way. That is the hardest part because we always tend to go one way or the other. We either tend to be our own worst critic, or we fail to acknowledge the flaws or mistakes in our beer because there is no way we made a simple mistake. Judging your own beer openly and non-objectively is a lot more difficult than it seems. This is why many people send beers off to competition. Competitions tend to be fairly inexpensive, and you are getting blind feedback from someone who doesnt know your process or what ingredients you used. They dont have a stake in telling you that you did a great job. But dont get me wrong, evaluating your own beer is a very important part of the brewing process. So use the information in this chapter and take your beer for what it is, not for what you wanted it to be or what it should have been. Be honest with the beer.

Troubleshooting Methodology for Homebrew
Totally Free Deals
Channellock 3 Piece Homeowners Set $14.99
Added on : Friday March 21st 2014 08:00:05 AM
g: 0 Posted By: iceman94954
Views: 161 Replies: 1 http://www.menards.com/main/tools-hardware/hand-tools/tool-sets/channellock-3-piece-homeowners-set/p-2176201.htm

CHANNELLOCK pliers use high-carbon C1080 steel for superior performance on the job and electronic coating for ultimate rust prevention.
Gripping pliers use a PermaLock fastener that eliminates nut and bolt failure
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Drivers include a dual composition material for a secure grip

Dimensions:2" L x 9"W x 15.25" H
Tools Deals
g: 0 Posted By: remick
Views: 115 Replies: 0 http://www.amazon.com/dp/B00993KQLM

4.8 out of 5 stars (6 customer reviews)

Simple Home Brewing Master Collection is the complete collection of John Anderson's Simple Home Brewing Series, a series about making home brew simple with many different tastes. To many people make home brewing recipes complicated when they don't need to be. I have written this book to show how simple and easy Home Brewing can be.
Easy to use for beginners and explained in simple terms so that the reader can easily make simple tasty home brews. The recipes can also be used as inspiration for your imagination or just as a reference.
The master collection contains the following books in one volume.

Simple Home Brewing Recipes ASIN: B008RA40RY
Simple Home Brewing Recipes II ASIN: B00914I3LO
Simple Home Brewing Fruit Beer Recipes ASIN: B0091Z6HRA
Simple Home Brewing Spice Beers Recipes ASIN: B0098QWORY


Cooking with Beer - The Ultimate Recipe Guide
http://www.amazon.com/Cooking-Beer-Ultimate-Recipe-Guide-ebook/d...

Cooking with Beer is a sure way to add flavor to any dish! Impress your friends and family at parties with your fun and creative recipes.The alcohol in beer evaporates when cooked, enhancing the flavor of the food and makes it more sweet or acidic depending on the dish. We have collected the most delicious and best selling recipes from around the world. Enjoy!

Enjoy Delicious Cooking with Beer Recipes Today! Scroll Up & Grab Your Copy NOW!



Also free:

Troubleshooting Methodology for Homebrew
http://www.amazon.com/Troubleshooting-Methodology-Homebrew-Jason...

Troubleshooting Methodology for Homebrew is a short eBook intended for the novice to intermediate brewer or anyone interested in learning the basics of evaluating a beer. This book will help define many common beer flavors and aromas and their descriptions, both the good and the bad. Hopefully you find this helpful.

Below is an excerpt from the chapter: 'Identifying the problem: Putting It All Together

So now that we have all the basic knowledge we need to evaluate the beer, what next? Well, at this point you know how to evaluate a beer by aroma, taste, and feel. You have a general understanding of the most common flavors and aromas in beer in regards to malt, yeast, hops, and water. You have an idea of some common flaws. You also have knowledge about how to use style guidelines as a Target for your beer evaluation round. You put all these components together to come up with what your beer is like right now, and honestly that part is harder than acquiring this basic knowledge. The hardest part is letting go of the idea of what you were shooting for or what the beer was supposed to taste like and really taking a look at the beer in an open minded and non-judgmental way. That is the hardest part because we always tend to go one way or the other. We either tend to be our own worst critic, or we fail to acknowledge the flaws or mistakes in our beer because there is no way we made a simple mistake. Judging your own beer openly and non-objectively is a lot more difficult than it seems. This is why many people send beers off to competition. Competitions tend to be fairly inexpensive, and you are getting blind feedback from someone who doesnt know your process or what ingredients you used. They dont have a stake in telling you that you did a great job. But dont get me wrong, evaluating your own beer is a very important part of the brewing process. So use the information in this chapter and take your beer for what it is, not for what you wanted it to be or what it should have been. Be honest with the beer.

Troubleshooting Methodology for Homebrew
Totally Free Deals
g: 0 Posted By: bpvh
Views: 34 Replies: 0 Office Depot rebate software for the week of 03/23/2014 ($10AR, $12AR, $15AR)


Will update with rebate information ... hopefully by the time this goes live on 02/09.


McAfee Internet Security for 3 PCs
$14.99 After $5 Instant & $50 Mfr. Mail-In Savings Visa Prepaid Card
In Store Price $64.99
Valid 3/23/14 through 3/29/14
Item #101-324


Bookkeeper
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
$11.99 After $30 in (2) Mfr. Mail-In Savings
In Store Price $41.99
Item #865-150


MyAttorney Home & Business
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
$9.99 After $20 Mfr. Mail-In Savings
In Store Price $29.99
Item #949-667


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
g: 3 Posted By: iLetTheDogsOut
Views: 131 Replies: 1 Craftsman 6-Amp, 2,700 RPM Corded Reciprocating Saw $29.99 P/U @ KMART

"6-Amp Corded Reciprocating Saw Is Versatile PowerIf nothing else will do the trick, add theCraftsman 6-amp corded reciprocating sawto your bag of tricks and you'll be back on track in no time. With speeds up to 2,700 rpm and a 3/4-inch blade stroke length, this saw has the power you need for construction, plumbing, demolition work, heating and air conditioning repair or jobs around the house. It can cut through wood, metal, drywall, PVC and more with ease.Weighing in at a shade over seven pounds, the6-amp corded reciprocating sawis easy to work with. Dual work lights boost visibility, while a tool-less blade clamp lets you work more efficiently. A soft handle lets you keep your grip no matter how long you're working with this high-performance saw.

For tricky projects where every other cutting device has failed you, turn to the power and versatility of theCraftsman 6-amp corded reciprocating saw
A six-amp motor and heavy-duty machined gearbox power the saw
It has a variable speed range up to 2,700 rpm with 3/4-inch blade stroke length
The adjustable shoe enhances stability and gives clear visibility of the blade in any position
Increase work productivity with the tool less blade clamp and the dual LED work lights
Eight-foot cord
Weighs 7.3 pounds
Includes the saw, blade, an Allen wrench and a manual
One-year limited warranty"


Tools Deals

Kmart.com Coupons
Any fees if a bank to bank ACH is rejected?
Added on : Monday March 17th 2014 12:00:08 PM
g: 0 Posted By: SinbadS
Views: 112 Replies: 1 If I initiated an ACH pull from Bank A and Bank B rejects this pull from my account at Bank B (for whatever reason) does Bank A charge a fee for this failed/rejected ACH? Anyone on this forum has been charged such a fee?
Personal Finance Deals
g: 0 Posted By: DaysFan
Views: 296 Replies: 0 TOYOTA GRAND PRIX OF LONG BEACH FRIDAY TICKETFREE
http://weeklyspecials.vons.com/customer_Frame.jsp?drpStoreID=3263&showFlash=false http://weeklyspecials.vons.com/SafewayVons03122014VonsWeeklyAd/breakouts/b1026391_4.jpg
APRIL 11-13, 2014
WHEN YOU BUY 5 5.3-oz. Greek single serve cups of

Dannon
Oikos,
Activia,
Light & Fit, or
YoCrunch Yopa!(TM) yogurt.


Offer Valid 3/12/14-3/25/14. See store for details.

coupon prints at checkout
Limit 1 per customer
Valid 3/12/14 - 3/25/14

www.freeticketdays.com/offer-terms-and-conditionsDannon Toyota Grand Prix of Long BeachBetween March 10, 2014 and March 28, 2014 all customers that visit any participating Vons or Pavilions store in Southern California and make a single purchase transaction of five (5) 5.3-oz. cups of Dannon OIKOS, Dannon Activia Greek, Dannon Light & Fit Greek, or YoCrunch Yopa! Greek yogurt will receive a voucher good for one (1) free general admission ticket to the Toyota Grand Prix of Long Beach for Friday, April 11, 2014 only (Gift). (Approximate retail value $28). Customer will receive voucher at time of checkout. Voucher must be presented at any ticket entrance at the Long Beach Grand Prix on April 11, 2014 to be exchanged for one (1) free ticket.Customers must be legally and physically residing in one of the 50 United States or the District of Columbia and be at least 18 years of age (19 in Alabama and Nebraska, 21 in Mississippi) at time of purchase of qualifying products. Other conditions and restrictions may apply. Offer good only while supplies last. Employees, including their immediate families and members of the same household, of The Dannon Company, Inc., 100 Hillside Avenue, White Plains, New York 10603-2863 (Sponsor), and The Marketing Arm Inc. (Administrator), and their respective parent companies, affiliated companies, subsidiaries, advertising, promotion and administrative agencies, and their respective agents, employees, officers, directors, successors and assigns (Promotion Entities) are not eligible to participate. Limit one (1) Gift per customer. Offer cannot be combined with any other offer or sold or redeemed for cash. No substitutions or rain checks. Gift cannot be transferred or assigned. Theft, diversion, reproduction, transfer, sale or purchase of this offer is prohibited and constitutes fraud. Void if altered, duplicated, copied, reproduced, transferred, sold, exchanged or expired. Sponsor reserves the right, in its sole discretion, to substitute Gift with one of equal or greater value. Promotion Entities are not responsible for lost, damaged or stolen Gifts. THIS PROMOTION AND ALL GIFTS ARE PROVIDED AS IS WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. CUSTOMERS ACKNOWLEDGE THAT PROMOTION ENTITIES HAVE NEITHER MADE NOR ARE IN ANY MANNER RESPONSIBLE OR LIABLE FOR ANY WARRANTY, REPRESENTATION OR GUARANTEE, EXPRESS OR IMPLIED, IN FACT OR IN LAW RELATIVE TO THE GIFTS AND ANY IMPLIED WARRANTY OF MERCHANTABILITY OF FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS. By accepting a Gift customers agree to indemnify, defend and hold harmless Promotion Entities from any and all damages, claims, and liability arising out of or relating in any way to customers participation in Promotion and acceptance or use of any Gift and to release all rights to bring any claim, action or proceeding against Promotion Entities for any injuries or death, theft, loss or damage of any kind, or any other harm suffered directly or indirectly arising from or in connection with participating in Promotion. Promotion Entities are not responsible if Promotion cannot take place or if any Gift cannot be awarded due to cancellation, delays, interruptions or failures due to acts of God, war, natural disasters, weather, acts or threats of terrorism, strikes, lockouts, labor disputes, work stoppages, fire, acts of government, or other events outside of the reasonable control of Promotion Entities. Promotion Entities assume no responsibility for any technical, hardware, software, telephone or other communications malfunctions, errors or failures of any kind, unauthorized human intervention, incomplete or inaccurate capture of information (regardless of cause) or failed, incomplete, garbled, jumbled or delayed computer transmissions that may limit ones ability to request or receive a Gift. Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify, extend or suspend Promotion should, in its sole discretion, causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the Promotion. Sponsor reserves the right, at its sole discretion, to disqualify any individual it finds, in its sole discretion, to be tampering with the operation of the Promotion or intending to annoy, abuse, threaten or harass Sponsor or any other person. All federal, state and local taxes are the sole responsibility of the customer. All other costs and expenses associated with Gift are solely recipients responsibility. All federal, state and local laws and regulations apply. Void where prohibited or restricted by law.ANY ATTEMPT BY ANY PERSON TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAW, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEYS FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.AS A CONDITION OF PARTICIPATING IN THE PROMOTION, CUSTOMER AGREES THAT: (I) UNDER NO CIRCUMSTANCE WILL CUSTOMER BE PERMITTED TO OBTAIN AWARDS FOR, AND CUSTOMER HEREBY WAIVES ALL RIGHTS TO CLAIM, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR ANY OTHER DAMAGES, OTHER THAN FOR OUT-OF-POCKET EXPENSES; (II) ALL CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THIS PROMOTION, OR ANY GIFT AWARDED, SHALL BE RESOLVED INDIVIDUALLY-WITHOUT RESORT TO ANY FORM OF CLASS ACTION-BY BINDING ARBITRATION (BY A SINGLE NEUTRAL ARBITRATOR SELECTED BY SPONSOR IN ITS SOLE AND ABSOLUTE DISCRETION) IN ACCORDANCE WITH THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION; AND (III) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS INCURRED, BUT IN NO EVENT SHALL SUCH CLAIMS, JUDGMENTS OR AWARDS INCLUDE ATTORNEYS FEES. THIS PROMOTION SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.
Dairy Deals
Free Ebooks 3-12-14
Added on : Wednesday March 12th 2014 04:00:09 AM
g: 0 Posted By: jhall1822
Views: 97 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

Real Estate Investing: How to Find Cash Buyers and Motivated Sellers
Rating - 4.3 (28 Reviews)

Real Estate Investing: How to Find Cash Buyers and Motivated Sellers teaches real estate investors and those interested in learning to invest in real estate how to define and Target ideal cash buyers and motivated sellers. The book covers absentee owners, rehab investors, Section 8 landlords, and other buyer types. Some of the marketing topics include mailing lists, postcards, both online and offline marketing strategies along with examples. Anyone who wants to wholesale a house or is curious about flipping houses should pick this book to get educated on cash buyers and motivated sellers for their real estate investing.

The Myth of the Garage
Rating - 4.3 (60 Reviews)

From Chip and Dan Heath, the bestselling authors of Switch and Made to Stick, comes The Myth of the Garage and other minor surprises, a collection of the authors best columns for Fast Company magazine. There are 16 pieces in all, plus a previously unpublished piece entitled The Future Fails Again.
In Myth, the Heath brothers tackle some of the most (and least) important issues in the modern business world:
- Why you should never buy another mutual fund (The Horror of Mutual Funds)
- Why your gut may be more ethical than your brain (In Defense of Feelings)
- How to communicate with numbers in a way that changes decisions (The Gripping Statistic)
- Why the Next Big Thing often isnt (The Future Fails Again)
- Why you may someday pay $300 for a pair of socks (The Inevitability of $300 Socks)
- And 12 others . . .
Punchy, entertaining, and full of unexpected insights, the collection is the perfect companion for a short flight (or a long meeting).

The Diary Of An Inexperienced Father: months 4-9
Rating - 4.6 (5 Reviews)

Things were looking up for Graham Peterson in both his career and his love life at the end of the last book, The Diary Of A Hapless Father: months 0-3′, but things were never going to stay sweet in Grahams garden for long. Having had his proposal to Alison refused and at risk of losing his new job before he even starts, 2013 isnt off to a good start at all. One of the only things keeping poor old Graham going is knowing that the first three terrifying months of his son Charlies life are behind him.
Over the course of six months, in The Diary Of An Inexperienced Father Graham realises just how inexperienced he is not only at being a father, but also in his other relationships and outlook on life.
The only question is, can Graham get his life on track before Charlie is old enough to form an opinion of his dad?

Unleashed (A Sydney Rye Novel, # 1)
Rating - 4.1 (244 Reviews)

The Sydney Rye series of mysteries feature a strong female protagonist and her rescue dog, Blue. It is recommended for the 18+ who enjoy some violence, dont mind dirty language, and are up for a dash of sex. Not to mention an awesome, rollicking good mystery!
UNLEASHED is the first book in Emily Kimelmans best selling Sydney Rye series of mysteries.
When the series begins Sydney Rye is named Joy Humbolt. She does not like people telling her what to do, so it comes as no surprise that she was just fired from her last job. When she buys Charlene Millers dog-walking business on Manhattans exclusive upper east side, it seems like the perfect fit: Quiet environment, minimal contact with people.

But then one of her clients turns up dead, and Charlene disappears. Rumors say Charlene was having an affair with the victimand of course, everyone assumes Joy must know where she is. Joy begins to look into the crime, first out of curiosity then out of anger when there is another murder and threats start to come her way.
When police detective Mulberry is assigned to the case, Joy finds a kindred spiritcynical and none-too-fond of the human race. As they dig deep into the secrets of Manhattans elite, they not only get closer to the killer but also to a point of no return. One last murder sends Joy Humbolt hurtling over the edge. Her only chance of survival is to become Sydney Rye.

FLINDERS FIELD (a murder mystery and psychological thriller)
Rating - 4.5 (13 Reviews)

With a quarter of a million downloads, the bestselling author of Max and The House of the Wicked, D. M. Mitchell has been compared to Dean Koontz, Stephen King, Ruth Rendell, M. R. James, Linwood Barclay, Umberto Eco, the Bronte sisters, Charles Dickens and many others. Discover for yourself why D. M. Mitchell is being regarded by some as one of the UKs most original and exciting writers of psychological thrillers and murder mysteries.
In November 1974, a young woman called Sylvia Tredwin goes missing. Nobody has the faintest idea where shes gone. She was wearing only a light skirt and T-shirt, didnt take anything with her, no suitcase, nothing. Simply went out one dark evening and never returned.
Some say she went off with another man, because thered already been talk in the small Somerset village of Petheram that shes that type of woman attractive, flirty with it, dressed too provocatively. But her husband, Bruce Tredwin, doesnt believe a word of the callous whisperings of the locals as they gossip about his outsider wife. So he never gives up searching for her. A fortnight later on a stormy winters night he finds her. Shes naked in a place called Flinders Field, wandering aimlessly, badly bruised and in total shock. But what she says to him will astound everyone.
She says shes been abducted by aliens, and she was never to be the same again, with tragic consequences
Forty years later and George Lee is coming back to Petheram, the village of his birth. His estranged father has died and there are things his mother would like him to sort out. George hates the village, couldnt wait to get out and make a life for himself as a writer of cheap and gory thrillers. He notices that Adam Tredwin, Sylvia Tredwins son, has also returned to Petheram. As children, the two used to be friends, briefly, before Adams father was killed in the 1980s by a hit-and-run driver and Sylvia took him away from the village.
But its when George begins to tidy out his fathers loft and slowly begins to learn more details about Sylvia Tredwins disappearance that he starts to uncover dark secrets and hidden truths discoveries that will peel back the decades to reveal a labyrinthine world of madness, jealousies, deceit, lies and murder. He little knows his idle quest to find out the truth behind Sylvia Tredwins abduction will have profound and dangerous consequences for all concerned.
D. M. Mitchell pens yet anther taut psychological thriller and murder mystery, set in the claustrophobic world of a small Somerset village, with a bevy of believable characters and a plot that twists and turns in Mitchells inimitable style to a deliciously shocking and unexpected conclusion.

Blood Dahlia A Thriller (Sarah King Mysteries)
Rating - 4.8 (11 Reviews)

A serial murderer nicknamed the Blood Dahlia has been terrorizing the quiet suburbs of Pennsylvania. Brutally mutilating his victims in the fashion of the most famous murder in Hollywood, the killer leaves no trace behind.
The FBIs elite Behavioral Science Unit, the section responsible for the study and investigation of serial murder, has little evidence to go on. Believing the killer to be beyond their reach, the agents in the BSU decide they must simply wait for the killer to make a mistake until they meet Sarah King.
Sarah, a mysterious outcast of the Pennsylvania Amish community, claims she has a unique ability: she can speak to the dead. And the victims of the Blood Dahlia are calling out to her.
When the FBI enlists her help, special agent Giovanni Adami is skeptical of her abilities, but begins falling for the young woman. His feelings for her are clouded with his distrust of psychic phenomena, but as the Blood Dahlia grows in his barbarism, he knows the FBI has little choice but to explore every avenue available.
Whether or not Sarah can speak with the dead ultimately doesnt concern Giovanni. He is interested in results, and when Sarah begins providing some, he must question everything he knows about the world and his place in it. She is either the cleverest fraud he has ever met, or a true psychic with an unexplainable gift.
But when the Blood Dahlia takes an interest in Sarah personally, it will take every ounce of strength she has to survive. And as she prepares for him to come for her, she realizes that not everyone is what they seem
Totally Free Deals
401k plan failed discrimination tests - what to expect?
Added on : Monday March 10th 2014 11:00:10 AM
g: 0 Posted By: theeipi
Views: 38 Replies: 0 Hi,

My 401k plan recently failed the discrimination tests. As a HCE I was given a refund of my excess contributions of $500.XX. I was also refunded my return on the excess contributions of $12X.XX.

I understand the tests, and how things were calculated, and I can only assume the $500 refund was done correctly. What documentation could I expect or am I entitled to for the profit on the excess contributions. It seems 25% is a bit high. If the $500 was refunded from last money in, I would be looking at only 2-3 months of appreciation. If it was dollar cost averaged across the year, I would have needed about 40% returns to justify that amount. If it was calculated from my initial contribution in January of 2013, I still don't think I averaged 25% for the year.

Thoughts on what I could ask/demand from the 401k administers?

TIA
Investing Deals
Free Ebooks 3-7-14
Added on : Friday March 07th 2014 07:00:11 AM
g: 0 Posted By: jhall1822
Views: 226 Replies: 0 Note: Please make sure these Ebooks are still free as they are not guaranteed at any price! I am only posting 4+ rated books from FreeEbooksToday.com

Six Seconds
Rating - 4.6 (78 reviews)

~A vengeful woman who aches for her place in paradise...In Iraq an aid worker who lost her husband and child in a brutal attack saves the life of an American contractor. Believing he can help her avenge her family's deaths, she follows him back home to the United States.An anguished mother desperate to find her child...In California a soccer mom arrives to pick up her son from school, only to discover that her husband has taken their child and vanished without a trace.A detective who needs to redeem himself...In the Rocky Mountains an off-duty cop rescues a little girl from a raging river moments before she utters her final words in his arms. Haunted by failure, he launches an investigation that leads him to a Montana school where time is ticking down on an event that will rewrite history....Three strangers entangled in a plot to change the world in only six seconds....

RATS
Rating - 4.8 (14 reviews)

~One man on a decades old mission. A woman who hunts him. The bullet they share.
Joe Klinglers debut novel twists from the shadows of a war long past to headlines hiding Washington secrets behind corporate incompetence when two warriors face off. Both skilled at violence. And deception. Both accustomed to winning.Summer greets the land of the midnight sun as a lone rider races across the last American wilderness, delivering on a promise he made long ago. He has many names, but the world only knows a shadow called the Demon.Claire Ferreti, the sniper who will soon hunt him, sips sake in Washington D.C. with her lover, a young General whose specialty is rarely discussed.When a boy finds a small machine, the rider and sniper embark on a collision course that leads to a typhoon-ravaged jungle, a test of skill and ideology, and Claires unconscious body bleeding in the mud. In an instant she becomes the hunted, a tool for survival, and an unforeseen threat as the General pursues her into a labyrinth of cyber-secrets where political expedience and financial reality collide like a fireball piercing steel pipe.

I'm Bored - 50 Ways Your Kids Can Have Fun With Or Without You
Rating - 4.6 (6 reviews)

~How you ever arranged an activity that you thought your kids would totally love an activity that you thought would be a ton of fun?And thenheard him say, Im bored!?I know I sure have, so I decided to come up with solutions. I came up with ideas I thought children would love, and tested them out with my children, their friends, and others. Through this process I learned a lot; but most importantly I learned that there is not one particular activity that EVERY child loves! There are activities that most children love, which make your chances of successfully finding a rewarding activity for both of you easier.So, I created this book, which suits all personality types, ranging from the most introverted to the most extroverted types of personalities.Of course, every child is different and unpredictable at times. Therefore, this book will show you 50 different ways to have fun.The unique aspect of this book is that it not only includes fun things that you and your children can do together, but it also includes things that your children can do when they are alone, as well as when they are with their siblings or friends.This book is an excellent resource for you to keep around when youre at home or on vacation!

Frugal Family Fun: Frugal Activities for family time
Rating - 4.8 (4 reviews)

~Ever been stuck inside your house with your kids with nothing to do? Ever wondered how you and your family could give back to the community? Ever wanted to get more involved in outdoor activities, but just didnt know where to start? Are you looking for ways to make more family time beyond watching a movie or playing a board game? If you answered yes to any of these questions, Fun Family Activities: Frugal Ideas For Fun Family Nights is for you.
This book is here to guide you and your family out of boredom and into excitement. Including engaging and entertaining ideas for toddlers and teenagers, your family is bound to get pumped up about something here. Let this be your imagination tour guide to bring some quality bonding time to your family. From cooking in your own kitchen to volunteering at a soup kitchen, these ideas provide endless, inexpensive ideas to bring your family closer together.

Blood Debt (Touched Series Book 1)
Rating - 4.6 (200 reviews)

~Her whole life, it had just been the two of them. Before her mothers last breath, she gave Camille the information she had craved her entire life: the identity of her father. Daring to contact him, Camille was welcomed by an entire family she never knew existed. But nothing comes without a price, as she discovers when her family claims a legendary heritage tracing back to a Centaur touched by Zeus.As she learns the secrets of her Centaur bloodline, she is drawn into a forbidden love with Drake. Her family acknowledges her life may be the blood debt required to pay for her mothers transgressions. The same person who once held her mother captive, and forced her into decades of hiding, now controls Camille. Her only chance is to seek a piece of her mothers past that will win her freedom and the life she desperately desires.
Totally Free Deals
g: 0 Posted By: bpvh
Views: 107 Replies: 0 Office Depot rebate software for the week of 03/09/2014 (QuickBooks Online Simple Start free after $90 rebate)


Will update with rebate information ... hopefully by the time this goes live on 03/09.


QuickBooks Online Simple Start
FREE After $10 Instant & $90 Mfr. Mail-In Savings
In Store Price $89.99
Valid 3/9/14 through 3/15/14
Item #233-786


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
g: 0 Posted By: remick
Views: 133 Replies: 0 Prospect & Flourish: How to Conquer the "Weakest Link" in the Sales Process (a guide for sales professionals and job seekers) byKeith F. Luscher
http://www.amazon.com/Prospect-Flourish-Conquer-Weakest-professi...

In truth, selling is anything but easy. But for professionals who understand and practice this from the heart, selling is easier! It is more naturalit is the result of building relationships.

There is plenty of information out there on how to sell. But to truly flourish, you must first prospect. Everyone has to prospect. Most people
hate to do it, and we believe that the five most common reasons why sales professionals dont prospect enough are:

They dont understand the value of what they are selling
They have a fear of rejection
They dont know what to do or how to do it
They are not motivated
They have a personal difficulty to overcome
Do any of these statements describe you? If so, you are not alone.

Indeed, it all truly comes down to sales, which cannot occur unless you keep your pipeline full. After all: The number one cause of FAILURE for sales professionals and job seekers is lack of prospects.
While you have plenty of resources and options at your disposal to learn more about sellingbut there is not enough out there to help sales people confront their fears and overcome their personal challenges when it comes to prospecting.
Until now.

Introducing the all new fourth edition of an intense, peer-reviewed, time-tested book on prospecting: Prospect & Flourish: How to Conquer the Weakest Link in the Sales Process. Originally created for use in the insurance industry, Prospect & Flourish is a comprehensive guide to business prospecting in all its forms. Readers will learn how to:

Become a networking maven, and build connections and relationships with people from across town to around the globe.
Develop centers of influenceoften the cornerstone of a healthy client portfolio.
Master the art of referrals and introductionswhich begins with knowing the difference between the two.
Establish their own trusted board of advisors, who can provide expertise, counsel, and yes, referrals.
Become properly scripted, so they will know what to will say before they say it when it comes to engaging prospects in all types of situations.
Get their foot in the door at companies where they do not have any prior connection (our secret: Use a Wedge).
Learn about networking and referral groups, and how to make the best use of them not just for yourself, but for your colleagues as well.
Learn to properly use social media, such as LinkedIn, Facebook and Twitter to engage prospects by delivering value while building a professional brand.
And much, much more. This all new fourth edition contains nearly 300 pages worth of tips, how-to strategies and resources that will enable you to Prospect & Flourish continuously every day!

What is Your Return on Investment (ROI) in Prospect & Flourish?
Indeed, the return on your investment is fairly simple to calculate. While guarantees in many professional industries are difficult to extend, I guarantee this: if you adopt just a few approaches that you will learn throughout this book, you WILL see results.
If what you learn enables you to create at least one new client relationship, your investment has just paid for itself many times over.
Further: Look beyond your first paycheck for that single new client or job. What do you think will be the lifetime value of that one relationship? How much might you earn through serving that single entity over the lifetime of your career?
The payback on your investment grows exponentially.
Totally Free Deals
g: 4 Posted By: remick
Views: 995 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
Totally Free Deals
g: 0 Posted By: dxulab
Views: 10 Replies: 0 I met a RE agent/broker. She is using a standard state buyer representation form. However, in a clause of the form, she wrote "3% of selling price" as the commission minimum and "buyer agrees to pay any difference between the amount received and stated minimum". I understand it is a standard that buyer's agent gets 3% from the seller. But I'm not comfortable to assume the obligation of paying her 3% commission if, for some reason, the seller fails to pay. Can someone tell if this is a fairly standard practice or my concern is legit?

I worked with another agent before, she wrote "0%" instead of "3%" in the same clause because it is assumed the seller will pay her commission. When I asked the current agent about it, she said it is for her protection.

The reason I'm thinking about working with the current agent is that she would offer 50% commission rebate.

Real Estate Deals
g: -1 Posted By: icecow
Views: 208 Replies: 1 This is a derivative of this Monoprice $15 off $50 thread:
http://www.fullofdeals.com/Monoprice-coupons/monoprice-coupon-15-o...

Apple's cables are too expensive and the generic versions I've tried always failed me or were too much trouble (torture). Monoprice always delivered quality cables on the handful I've ordered. Others swear by Monoprice cables including their Lightning cables, which are said to work flawlessly so I ordered some a few days ago and have received and tested them. Neither my retina iPad mini or my 5th gen iPod touch complain. No problems. They charge. They just work. They are listed as Apple Certified so they should.

I thought these lightning cables deserve their own thread. I assume many others have gone through the same generic Lightning cable hell I have, and these are about 30% off of 12.0x per cable=$8.50ish: CHEAP (plus tax and cheap shipping) = about $10.50 shipped per cable when buying 4 plus ~$2 filler to make $50 before $15 off.

You enter the code on one of the Last pages when checking out so don't be spooked that you don't readily see the box.

$15 off $50 code: BONUS15 is one per customer, but I noticed you can use the same name, address and credit card number as long as enter a different email address that is required on the Last page when checking out.

$10 off $30 code for new customers: TAXACT217

Link to Lightning Cables:
http://www.monoprice.com/Search/Index?keyword=Lightning
Lengths avail: 4 inch, 3 feet, 6 feet, 10 feet. Price range ~$12.00-$13.50 before discount.

Monoprice also has Apple 30-pin cables for about $4 before discount.



Electronics Deals

Monoprice Coupons
g: 2 Posted By: quickNdirty
Views: 252 Replies: 1 Newegg has this receiver listed at $299 + $1.99 shipping with no MIR rebate required here:

http://www.newegg.com/Product/Product.aspx?&Item=N82E16882120218...

Interestingly enough if you do a search for the receiver on Newegg's page it shows in the results @ $349.99 + $9.99 shipping, but when you click on the link it does in fact reflect a $299 + $1.99 shipping price.

Had to jump on it myself for that price. Added an additional 3 years of Squaretrade warranty for $32 after coupon + tax (clarification- warranty runs concurrent with manufacturers warranty- however ST covers your shipping so that covers the cost of the warranty alone should it fail). Don't think you can go wrong with this deal on a feature loaded receiver like this.



HT-RC560 and TX-NR626 are identical (or nearly so) as explained by an Onkyo rep in a Woot discussion:
http://www.woot.com/forums/viewpost.aspx?postid=5492419&pageindex=3&replycount=151#post5493142
http://www.woot.com/forums/viewpost.aspx?postid=5492419&pageindex=3&replycount=151#post5493214
Quote :Yes the new HT-RC 560 is 3D ready, as this unit is the same build as our new TX-NR 626 receiver. You can review the specifications of the TX-NR 626 via http://www.onkyousa.com/Products/model.php?m=TX-NR626&class=Receiver&source=prodClass

Quote :The overall differences and purposes for the sale of the HT-RC and TX-SR/ TX-NR Onkyo receiver models are the following:

- The HT-RC models are the same build as the TX-SR/ TX-NR models. This provides a more unique identification from the widely available TX-SR/ TX-NR model lines.

- HT-RC models are only sold by specific authorized Onkyo dealers in NORTH AMERICA only. While the TX-SR/ TX- NR models are globally available for purchase with all authorized Onkyo dealers.

Home Theater & Audio Deals

Newegg Coupons
Mushkin Enhanced Chronos - 2.5" 240GB SATA III 7mm (SSD) - $119 F/S
Added on : Friday February 28th 2014 04:00:02 AM
g: 0 Posted By: FrugalMiester
Views: 65 Replies: 0 Limited time Shell Shocker deal - Mushkin Enhanced Chronos MKNSSDCR240GB-7 2.5" 240GB SATA III 7mm Internal Solid State Drive (SSD)
4 Starz, but seems to have some negative reviews on failures... Not sure how long these deals last and seems like a good price

SSD Deals

Newegg Coupons
g: 7 Posted By: remick
Views: 1129 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

DISCOVER:: How to Make New Year's Resolutions That Actually Stick!

Tell me if this sounds familiar: "The Ball" is about to drop on New Year's Eve. 2014 promises a brand new year, full of potential and infinite possibilities. So you make a list of the ways that this year will be different. Then what happens? Usually by late January you've already given up on your goals and moved on to something else.

The question is:"Why do people fail with their New Year's resolutions?"

The problem stems from what you expect to happen over the next 12 months. Instead of trying to make a gradual change, it's easy to approach the New Year with an "all or nothing" mindset. You want things to happen, so you create a series of lofty goals that can't possibly be achieved in a short amount of time. And ultimately this leads to failure.

The Secret to a Successful New Year's Resolution?

Is there a "secret" to making 2014 the best year ever?

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
Mr. Beams MB280 Power Outage Whole House Kit $49.99 woot.com
Added on : Thursday February 27th 2014 12:00:04 AM
g: 0 Posted By: DaysFan
Views: 228 Replies: 0 http://www.woot.com/offers/wireless-readybright-kit-whole-house-16
http://www.woot.com/

Mr. Beams MB280 Power Outage Whole House Kit$49.99$169.9971% offList PriceIn Stock.Ships in 1-2 business daysCondition New

Automatically detects a power failure and provides up to 40 hours of bright light
Simple wireless installation - no electrician needed
Light can be controlled by the remote for maximum safety, convenience and battery life
Power Outage Flashlight is a remote and a flashlight
Auto shut off to conserve battery life and to turn the light off automatically if no one is home
Four bright LED light fixtures attach anywhere easily and turn on the moment of a power outage
Up to 40 hours of light are achieved on one set of batteries
The Smart Power Outage LED Flashlight lights up as a flashlight during a power failure and can be used as a remote control for the lights, providing convenience and safety and conserving battery life for extended power failures
Flashlight range is 70 feet
Stair / Path Lights install anywhere and lights up stairs and hallways with a bright white LED
Ceiling lights install anywhere and lights up bedrooms, basements, offices, attics, bathrooms, porches and stairways
Requiures 4 "AA" and 4 "C" alkaline batteries (not included)

Includes:

(1) MB220 Power Outage Flashlight
(3) MB785 Stair / Path Lights
(3) MB985 Ceiling Lights

Shipping Note: Eligible for shipping to all 50 statesWarranty: 1 Year Wireless Environment
Specifications - MB220 Power Outage Flashlight LED light intensity: 20 lumens LED viewing angle: 30 LED color: 3750K +/ 250K AC operation voltage: 108VAC to 132VAC, 50Hz / 60Hz AC operating current: 40mA max Battery Pack: NiMH (Nickel Metal-Hydride) 3.6V 300mAh Battery charge time: 15 hours +/- 2 hours Power failure activation time: Less than 1 second Transmit Frequency: 433.92MHz +/- 150KHz Operating Range: > 30M Outdoor
Specifications MB785 Stair/Path Lights LED light intensity: 10 lumens Light coverage range: 10 square feet Auto shut-off: after 30 minutes Powered by: 4 "AA" alkaline batteries (not included)
Specifications MB985 Ceiling Lights LED light intensity: 100 lumens Light coverage range: 200 square feet Auto shut-off: after 30 minutes Powered by: 4 "C" alkaline batteries (not included)
In the Box:(1) Mr. Beams MB280 Power Outage Whole House Kit includes:

(1) MB220 Power Outage Flashlight
(3) MB785 Stair / Path Lights
(3) MB985 Ceiling Lights

Home & Garden Deals

woot! Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
DJI Phantom Aerial UAV Drone Quadcopter $399 at B&H Photo
Added on : Tuesday February 25th 2014 09:00:08 AM
g: 1 Posted By: SAGAFTRA
Views: 204 Replies: 1 Link to B&H B&H Photo Video has the DJI Phantom CP.PT.000001 Aerial UAV Drone Quadcopter with the for $399 + $0 shipping = $399 shipped. Features Ready-To-Fly design, Fail-Safe & Auto-Go-Home/Landing functions, and includes camera mount for GoPro.Watson 4-Hour Rapid Charger with 4 AA NiMH Rechargeable Batteries (2300mAh) included with purchase.
Cameras Deals

B&H Photo & Video Coupons
g: 1 Posted By: remick
Views: 197 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

DISCOVER:: How to Make New Year's Resolutions That Actually Stick!

Tell me if this sounds familiar: "The Ball" is about to drop on New Year's Eve. 2014 promises a brand new year, full of potential and infinite possibilities. So you make a list of the ways that this year will be different. Then what happens? Usually by late January you've already given up on your goals and moved on to something else.

The question is:"Why do people fail with their New Year's resolutions?"

The problem stems from what you expect to happen over the next 12 months. Instead of trying to make a gradual change, it's easy to approach the New Year with an "all or nothing" mindset. You want things to happen, so you create a series of lofty goals that can't possibly be achieved in a short amount of time. And ultimately this leads to failure.

The Secret to a Successful New Year's Resolution?

Is there a "secret" to making 2014 the best year ever?

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
g: 0 Posted By: bpvh
Views: 63 Replies: 0 Office Depot rebate software for the week of 02/23/2014 (McAfee title $10AR)


Will update with rebate information ... hopefully by the time this goes live on 02/09.


McAfee AntiVirus Plus
$9.99 After $8 Instant & $42 Mfr. Mail-In Savings Visa Prepaid Card
Item #101-297


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
Free Kindle Book - Poison (Bloodline Trilogy) (was $14.99)
Added on : Wednesday February 19th 2014 10:00:12 AM
g: 2 Posted By: remick
Views: 258 Replies: 1 http://www.amazon.com/dp/B00BJRA6MA

4.8 out of 5 stars (68 customer reviews)

Five years ago, Keelyn Samuelss armed, mentally ill stepfather took her family hostage in their house in rural Colorado. She and her half-sister Raven made it out alive, but others did not. Authorities blamed the fathers frequent hallucinations about a being named Lucent, but in the end, even the best of the FBIs hostage negotiators failed to overcome the mans delusions and end the standoff peacefully.
SWAT team member Lee Watson was there that day. He watched it all unfold and was able to pull Keelyn and Raven from the grip of their demon-possessed father. Though partially successful, his team had still failed, and the outcome of that dayand that tortured familyhas continued to plague Lee ever since. Though unusual for SWAT to reconnect with survivors, Lee bumped into Keelyn two years after the crisis, and they both found some peace in their budding relationship. But peace is hard to maintain when the memory returns . . . in the flesh.

Lucent is back, and hes no hallucination. In fact, he is a very real person with dangerous Motives. He has kidnapped Ravens daughter, and--Keelyn worries--maybe has hurt Raven as well. Though she is estranged from her sister, Keelyn feels the immediate need to find Raven and save what family she has left. But when others who were involved in that fateful day start dying, some by mysterious circumstances, Keelyn wonders if she and Lee can emerge unscathed a second time.

The highly anticipated second installment of the Bloodline Trilogy explores the boundaries of faith and family and what happens when both are put to the test.
Books Deals

Amazon Coupons
Obi VOIP devices $15 off at Amazon Presidents day sale.
Added on : Monday February 17th 2014 09:00:11 AM
g: 1 Posted By: giqcass
Views: 276 Replies: 6 Obihai Sale Highlights @ Amazon - Promo Code: 15OFFOBI
Save $15 on an OBi1 Series, OBi2 Series or the OBi508vs VoIP Device

Anveo Sale Highlights @ Anevo OBiTALK User Set-Up Website:
Save $4 or $10 on service from Anveo - Exclusive to OBi device owners who use the OBiTALK portal for service configuration.

=12ptObihai Products:
Click the OBi product model below to go directly to the "Sold-by" Obihai Technology, Inc. product page on Amazon.com. DO NOT use the Amazon checkout promo code with any other seller's offer (including the 'Sold by Amazon.com' offer).

OBi100 - $24.99 w/ Disc: 1 Phn Port - 1 Eth Port - Up to 2 VoIP Svcs - Reg. $39.99

OBi110 - $34.99 w/ Disc: 1 Phn Port - 1 Line Port - 1 Eth Port - Up to 2 VoIP Svcs - Reg: $49.99

OBi200 - $34.99 w/ Disc: 1 Phn Port - 1 Eth Port - USB Port - Up to 4 VoIP Svcs - Reg: $49.99

OBi202 - $54.99 w/ Disc: 2 Phn Ports - 1 Eth Port - USB Port - Up to 4 VoIP Svcs - Reg. $69.99

OBi508vs - $334.99 w/ Disc: 8 Phn Ports - 4 Eth Ports - 3 USB - Up to 8 VoIP Svcs - Reg. $349.99

OBi Product Primer
Use the Promo Code: 15OFFOBI to get $15.00 off any Obihai Bring Your Own Device (BYOD) Universal VoIP adapter. This OBi sale expires at one minute to midnight (11:59) Pacific time, on Monday February 17th.


Electronics Deals

Amazon Coupons
g: 1 Posted By: nickradack
Views: 219 Replies: 0 http://www.bonton.com/sc2/shop/home/kitchen/conair-cuisine-coffe... Conair Cuisine Coffee Grinder & Programmable Brewing System $22.50 + Free shipping
Make sure you use the coupon below.....

Control panel with backlit LCD display
Helps simplify operation
Programmable auto on function allows you to preset the coffeemaker up to 24 hours in advance, so you can wake up to a freshly brewed pot
1-4 cup brewing option adjusts water flow, so you can brew a small amount of coffee to suit your needs
10-cup capacity allows you to make enough coffee for a group
Built-in grinder: Permanent gold-tone filter makes it easy to enjoy fresh, flavorful coffee
Coffeemaker can also be used with pre-ground coffee
Double-wall thermal carafe helps ensure coffee stays at an ideal temperature and is great for entertaining
Comfort-grip handle facilitates pouring
One (1) minute back-up memory retains settings in the event of a power failure
Imported



Coupon Code : PRESDAY14FB
Free Giant Slayer Scripture Cards
Added on : Sunday February 09th 2014 08:00:05 AM
g: 0 Posted By: remick
Views: 81 Replies: 0 http://www.davidjeremiah.org/site/monthly/0112_GSSC.aspx

Each of the 12 cards provides 6 Scripture references pertaining to the topic.
Live victoriously against
Fear
Discouragement
Loneliness
Worry
Guilt
Temptation
Anger
Resentment
Doubt
Procrastination
Failure
Jealousy

Books & Magazines Deals
Free Kindle Book- The AWARE Investor (was $19.95)
Added on : Saturday February 08th 2014 03:00:07 AM
g: 0 Posted By: remick
Views: 213 Replies: 0 http://www.amazon.com/AWARE-Investor-Confidence-Transform-Financ...

4.7 out of 5 stars (15 customer reviews)

The AWARE Investor will grow your wealth with time-tested wisdom that never fails. Author Damon Lane shares the 5 powerful investing principles learned and applied over 28 years counseling thousands of people just like you to become successful investors. You will learn why the traditional investing methods of Wall Street keep failing investors and how you can apply easy-to-use strategies that will create confidence for growing your wealth and change your financial life forever.
Books Deals

Amazon Coupons
g: 5 Posted By: ArtieLange
Views: 196 Replies: 1 LITE-ON DVD Burner Black SATA Model OEM $14.99 shipped w/code EMCPHPC39 at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16827106289&...


This Lite-On 24X iHAS124 drive writes 4.7GB of data in about five and a half minutes to DVD+R, and supports all DVD formats. Intelligent features such as a 2 MB buffer, Smart-Burn buffer under-run protection, and Smart-Write dynamic calibration of write speed work together to ensure that you get accurate, working copies every time, instead of wasting disc blanks on failed write attempts.Playback is just as reliable with Smart-X technology for smooth, stable Audio CD, VCD, and DVD playback and data extraction. This high-performance SATA drive supports Microsoft Windows 2000, XP, and Vista. Using dual-layer burning, you'll be able to store 8.5 GB of data, photos, music, or games on one dual-layer disc.

DVD Multi Recorder The Lite-On iHAS124-04 DVD burner enables users to burn any DVD+R/-R, DVD+RW/-RW disc and supports the dual-layer function allowing up to 8.5GB data to be burned and saved on a single dual-layer disc. Burn your own DVD/VCD movies or backup data with ease!
24X Ultra High Writing Speed With advanced burning technology, the Lite-On iHAS124-04 DVD burner delivers a class-leading DVD+R/-R writing speed of 24X.
SMART-BURN Technology The Lite-On iHAS124-04 DVD burner is equipped with advanced SMART-BURN technology to avoid Buffer UnderRun errors and automatically adjust writing strategy and running OPC for the best burning quality.

Computers Deals

Newegg Coupons
Office Depot rebate software for the week of 02/09/2014 ($10AR and $15AR)
Added on : Thursday February 06th 2014 06:00:03 PM
g: 0 Posted By: bpvh
Views: 23 Replies: 0 Office Depot rebate software for the week of 02/09/2014 ($10AR and $15AR)


Will update with rebate information ... hopefully by the time this goes live on 02/09.


AVG Internet Security
$9.99 After $20 Mail-In & $30 Current User Upgrade Mail-In Savings Visa Prepaid Cards
In Store Price $59.99
Item #211-025


McAfee Total Protection For 3 PCs
$14.99 After $10 Instant & $55 Mail-In Savings Visa Prepaid Card
In Store Price $69.99
Item #106-319


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Truest-Thing-about-You-Identity-ebook/dp/B...

4.8 out of 5 stars (18 customer reviews)

There are many true things about youtrue things you use to build an identity. Parent. Introvert. Victim. Student. Extrovert. Entrepreneur. Single.

These truths can identify you, your successes and failures, your expectations and disappointments, your secret dreams and hidden shames. But what if your true identity isn't found in any of these smaller truths, but in the grand truth of who God says you are? In other words, lots of things are true about youbut are they the truest?

David Lomas invites you to discover and live out the truth of who God created you to be: you are loved, you are accepted, and you are made in God's image. It's time to move beyond the lesser voices and discover why everything changes when you become who you really are.
H&K P30S for $759 + S/H @ ClassicFirearms
Added on : Wednesday February 05th 2014 05:00:06 PM
g: 0 Posted By: pgtmini
Views: 208 Replies: 0 Limited stock (6 left as of this post) but a GREAT deal for someone wanting H&K quality. Yes, we know H&K charges more than everybody else.

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



http://www.classicfirearms.com/hand-guns/h-kp30s9mmv3modm730903s
Guns & Ammo Deals
g: 0 Posted By: scottxmso
Views: 40 Replies: 0 Long ago, I opened my Paypal account before I even had a driver's license. Of course, having registered while I was a minor is against Paypal's terms forbidding users under 18. However, I was never caught as an underage user, and continue to use the same Paypal/eBay accounts to this day. I'm not even sure if this is still possible today, given all of the regulation and such regarding identity verification on online payment services.

But recently, I failed approval to get a PayPal debit card (the MasterCard that will allow you to withdraw/spend your PayPal balance) and PayPal decided to "limit" my account until I give them sufficient proof of identity. This was likely the result of a mixup between names (between my first name name and middle/given name, which I accidentally chose as "first name" on PayPal.) And the necessary outcome of this seems to be that I need to change my name, which requires lots of documentation. Not surprising, though. (Interestingly I had such a card before I was 18 too, but I later canceled it due to non-use. AML procedures and such must be tougher now.)

And the only thing I'm "limited" from doing is actually closing the account; it lists virtually everything else I can do on Paypal as not part of being "limited". Really, I had hoped that I would avoid giving this kind of extensive documentation to PayPal, but at this point it seems kind of inevitable. I've sent 4-5 documents already, but they are asking specifically for photo ID with date of birth.

Of course, giving proof of DOB will give away that my account was registered a while before I turned 18, although I'm an adult now. Is this something that they care about, or do they just want proof of identity information to meet AML requirements and the like? I can see how they'd note that I violated the TOS there if I was a minor, but I'm not sure if Paypal customer service is so pedantic that they'd go back and suspend my account for something I did many years ago. Of course, it's not unheard of to cut off customers completely just because an algorithm predicted that you were a high risk. Is it likely that Paypal would shut down my account if they find out I opened it well before my 18th birthday? My eBay and PayPal reputation have both been very good the whole time, with only a couple eBay negatives and a handful of Paypal disputes (for probably 1000+ transactions on PayPal)...so I have caused little trouble.

This situation was probably going to come sooner or later. Sure, maybe I would have done things differently with PayPal when I was a kid. But I wouldn't be surprised if many of the other younger folks in this forum had PayPal accounts open before they turned 18 too. I just want to figure out the best way to deal with this. And if sending an ID with DOB should be okay even though it shows that I registered as a minor, then that's the way I will probably go about this.

Thanks!
Question Deals
g: 0 Posted By: remick
Views: 48 Replies: 0 http://www.amazon.com/Life-Outside-Matrix-Supernatural-Lifestyle...

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g: 2 Posted By: jaytrader
Views: 234 Replies: 14 I'll be the first to admit that this is not directly related to finance, but rather indirectly. I just got hit by a potentially huge issue last night, after connecting some dots.

See facts below.

Fiancee's father opened LLC in her name in 2004 (she was/is the sole member) because the father is in a union and cannot have his own company (to bill out side jobs) doing the same line of work he performs in his union.
Fiancee and I are getting married toward the end of this year (2014). Fiancee's father recently contacted her to help him write up an invoice for a decently high valueside job.
I dug a bit deeper and realized no income has ever been reported on behalf of the LLC, nor has any of her tax returns shown business income. It is unknown if he's ever utilized the company for billing purposes before recently.
Her father claims he "gets a W2 from [his] clients and puts it on [his] tax return." Anyone with half a brain knows this is impossible (he's not a member of the LLC), not economical for the client(s) (1099 vs W2), and would prove that he's doing side work to his union if he were ever "audited" by the union.
I looked online last night, and the state government site says the LLC is "ACTIVE" and she is listed as the DOS Process contactand Registered Agent.
In my opinion, the fact that there is now an invoice with the LLC name on it shows that there was work done by the company and poses an insurance liability.
Based on what I know about her father, the company has no insurance at all.


I know damn well that I'm not paying taxes on revenue that I didn't see/create. Not to mention, there is possible tax evasion/fraud that has happened in the past (whether intentional or not, doesn't matter). Also, there is now a potentially huge risk/liability, should any of the work her father (or his laborers) performed become faulty or fail and cause injury or death.


Questions

What do I do? I want to protect myself (meaning, want her off the company before we're married) as well as her ASAP.
Is thererisk regarding the work failing and causing injury or death, or am I incorrect? If so, who's at risk? The company or her father directly?
Is there past tax evasion/fraud risk? She had no knowledge about his use of the company up until the last week. She knew she was once on the company, but was told last year that her father "thinks she's no longer involved."
Am I paranoid? I know people do this type of thing often, but involving your kids for ten years and then billing on behalf of the child's company (legally/technically) is shady (IMO, of course).


I am prepared to dissolve the LLC and let her father be butt hurt over it, if I have to. The alternative is to push off the wedding until this is resolved. I told my fiancee that I'm not going to willingly marry her when she's part of this. I know she would never do something like this intentionally, and she told me that she didn't know any better when she signed the paper work in 2004. However, she now knows, and I told her this could potentially be a huge issue for her and her father, should anyone get audited or his clients get audited.

Thanks in advance.

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HSBC Restricts Large Cash Withdrawals
Added on : Sunday January 26th 2014 04:00:08 AM
g: 0 Posted By: elptrainerny
Views: 39 Replies: 0 "Some HSBC customers have been prevented from withdrawing large amounts of cash because they could not provide evidence of why they wanted it, the BBC has learnt.Listeners have told Radio 4's Money Box they were stopped from withdrawing amounts ranging from 5,000 to 10,000.HSBC admitted it has not informed customers of the change in policy, which was implemented in November.The bank says it has now changed its guidance to staff.New rulesStephen Cotton went to his local HSBC branch this month to withdraw 7,000 from his instant access savings account to pay back a loan from his mother.A year before, he had withdrawn a larger sum in cash from HSBC without a problem.But this time it was different, as he told Money Box: "When we presented them with the withdrawal slip, they declined to give us the money because we could not provide them with a satisfactory explanation for what the money was for. They wanted a letter from the person involved."Mr Cotton says the staff refused to tell him how much he could have: "So I wrote out a few slips. I said, 'Can I have 5,000?' They said no. I said, 'Can I have 4,000?' They said no. And then I wrote one out for 3,000 and they said, 'OK, we'll give you that.' "He asked if he could return later that day to withdraw another 3,000, but he was told he could not do the same thing twice in one day.HSBC customer letterHe wrote to complain to HSBC about the new rules and also that he had not been informed of any change.The bank said it did not have to tell him. "As this was not a change to the Terms and Conditions of your bank account, we had no need to pre-notify customers of the change," HSBC wrote. Frustrated customersMr Cotton cannot understand HSBC's attitude: "I've been banking in that bank for 28 years. They all know me in there. You shouldn't have to explain to your bank why you want that money. It's not theirs, it's yours."Peter from Wiltshire, who wanted his surname withheld, had a similar experience.He wanted to take out 10 000 cash from HSBC, some to pay to his sons and some to fund his long-haul travel plans.Peter phoned up the day before to give HSBC notice and everything seemed to be fine.The next day he got a call from his local branch asking him to pay his sons via a bank payment and to provide booking receipts for his holidays. Peter did not have any booking receipts to show.The following day he spoke to HSBC again and this time, having examined his account, it said he could withdraw the 10,000.Belinda Bell is another customer who was initially denied her cash, in her case to pay her builder. She told Money Box she had to provide the builder's quote. Customer protectionHSBC has said that following customer feedback, it was changing its policy: "We ask our customers about the purpose of large cash withdrawals when they are unusual and out of keeping with the normal running of their account. Since last November, in some instances we may have also asked these customers to show us evidence of what the cash is required for.""The reason being we have an obligation to protect our customers, and to minimise the opportunity for financial crime. However, following feedback, we are immediately updating guidance to our customer facing staff to reiterate that it is not mandatory for customers to provide documentary evidence for large cash withdrawals, and on its own, failure to show evidence is not a reason to refuse a withdrawal. We are writing to apologise to any customer who has been given incorrect information and inconvenienced."
In a sense your money becomes pocket money and the bank becomes your parent
Money Box asked other banks what their policy is on large cash withdrawals.They all said they reserved the right to ask questions about large cash withdrawals.But none of them said they would require evidence of what the money was being used for before paying out.Douglas Carswell, the Conservative MP for Clacton, is alarmed by the new HSBC policy: "All these regulations which have been imposed on banks allow enormous interpretation. It basically infantilises the customer. In a sense your money becomes pocket money and the bank becomes your parent."t.""

From:
http://www.bbc.co.uk/news/business-25861717
Also http://www.mirror.co.uk/news/uk-news/hsbc-under-fire-after-stopp...
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g: 0 Posted By: junkregisterjk
Views: 193 Replies: 0 HGST (Hitachi) has a new NAS hard drive for $189.99, using the $10 discount code (EMCPWHF24).

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Free Spoonflower fabric swatch
Added on : Friday January 24th 2014 02:00:03 AM
g: 0 Posted By: attaallah
Views: 0 Replies: 0 Free Spoonflower fabric swatch

http://blog.spoonflower.com/free-swatch-day-spoonflower.html

o activate the discount, use the Get A Free Swatch button (visible on each fabric design page) to add a swatch-sized piece of Silky Faille to your shopping cart between noon EST on Thursday, Jan. 23 and noon EST on Friday, Jan. 24, then proceed to checkout. The discount will be subtracted from your cart total automatically.
Office Depot rebate software for the week of 01/26/2014 ($10AR and $15AR)
Added on : Thursday January 23rd 2014 07:00:11 PM
g: 0 Posted By: bpvh
Views: 262 Replies: 0 Office Depot rebate software for the week of 01/26/2014 ($10AR and $15AR)


Will update with rebate information ... hopefully by the time this goes live on 01/26.


AVG Internet Security
$9.99 After $20 Mail-In & $30 Current User Upgrade Mail-In Savings Visa Prepaid Cards
In Store Price $59.99
Item #211-025


McAfee Internet Security for 3 PCs
$14.99 After $5 Instant & $50 Mfr. Mail-In Savings
In Store Price $64.99
Item #101-324


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
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g: 0 Posted By: remick
Views: 213 Replies: 0 http://www.spoonflower.com/welcome
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New cc, how to check for errors
Added on : Friday January 17th 2014 04:00:09 AM
g: 0 Posted By: tr4nshum4n
Views: 92 Replies: 1 Hey, everyone. This is my first post.

I've avoided credit cards for a while now. I normally used debit cards for the past ten years or so, and I always balanced my checkbook. It's to the point where I take comfort in verifying the balance myself, even if I can check the website. It's paid off, at least a few times that I can remember.

Last month I got one of those Amex cards that delivers Cash Back, more for gas and groceries, but 1% for everything else. I like that, since I have to buy things anyway. The web says most people plan to pay off their card every month but fail. I'll be doing some self-monitoring, but I'm pretty sure I'm the type that pays the bill when it's due.

I've looked into mint.com, but I don't like the idea of turning over all my bank login info to anyone, and all they would be doing is providing me with information from the banks anyway.

What I'm looking for is a way to independently verify my credit card balances. Using a checkbook register seems wrong because, for one thing, there are no checks. I also don't want to add another paper book to my collection. I'd rather do something electronic.

It probably wouldn't be hard to use excel, but I just wanted to learn from others before I get started.
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4 Free Business Kindle ebook downloads
Added on : Wednesday January 15th 2014 06:00:16 AM
g: 0 Posted By: attaallah
Views: 3 Replies: 0 4 Free Business Kindle ebook downloads

How to Save Big Money on Groceries by Rhonda Gilreath
Crowdfunding:The Next Big Thing by Gary Spirer
Secret to Startup Failure: by Sonia Lin
Leadership: by Derek Stanzma

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USBank ATM issue -- is this fair banking?
Added on : Tuesday January 14th 2014 08:00:05 PM
g: 0 Posted By: ptiemann
Views: 65 Replies: 2 I deposited 3 checks last week Thursday at an USBank ATM inside a supermarket. The teller was on a phone call with a customer going through items on a bank statement, so I figured, why not use the ATM, what could go wrong.

1 check was a cashier's check ($825)
1 was a money order ($58)
1 was a personal check ($108)

the ATM had trouble with the last check which was handwritten, and the teller got off the phone, so I figured I cancel the transaction and deposit it with the teller.

You all know what comes now - the ATM has a paper jam and did not return the checks. It asked me 'how much did you try to deposit?', I answered $991 and it printed some receipt for me over $991 failed deposit.

Talked to the teller.

Teller says, 'yeah, I know, someone put in too much cash earlier and messed up the machine'
(why did they not lock down the deposit function then???)

He fills out an application and I will get a temporary credit ... AFTER 10 DAYS!
Supposedly they are going to call me in their investigation. I told him I'm rarely able to take calls, and rarely will take calls from 800 numbers.
It will take 60 to 90 days to investigate this deposit!

I told him I expect a credit in 10 minutes. He repeated it's UP TO 10 days. Well, it's been 5 days so far (calendar days) and I cannot even see anything on their web site indicating that they are doing anything in this matter.

I really wonder if the 10 days delay (probably 2 calendar weeks) is acceptable.

Obvious lesson is to avoid this type of transaction.

Really annoying since 2 of the 3 items were certified funds; I cannot just go to the other party and ask for a new check. I have typically $5k to $10k with them, so $991 is nothing extraordinary.

Added:
Tried calling them this evening.. 'too many calls at this time, we cannot take your call, try again later', and I don't find time in the day to call them... I guess I just wait 10 days.
g: 0 Posted By: Luniz97
Views: 216 Replies: 0 http://tools.woot.com/offers/simplisafe-wireless-home-security-p...

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Fighting off wrong EZPass charges... is it possible at all?
Added on : Saturday January 11th 2014 05:00:05 PM
g: 0 Posted By: ilya2012
Views: 140 Replies: 1 Hi everyone,

Upfront disclaimer: amount of EZPass charges in question in my case is less than $10. It is just a matter of principle that I don't like paying for something that I should not be paying for. If you consider such an approach a complete waste of time (which it might well be) then you might better save you time on something more useful instead of reading below Thanks.

Short description: Live close to NYC, don't own a car, rent cars on a regular basis (at least 3-4 times a month). To save time and money I bought my own EZPass tag, good suction mount for it and move it from car to car together with GPS.
EZPass NY recommends to register all cars being used with a specific tag by their license plate to be able to charge a specific account if a registered car goes throw a toll plaza and the system fails to read a tag. It is a quick process and I used to do it every time renting a new car right from my smartphone, just for a peace of mind. I remove license plates from my account right after I drop the car back to the rental company (usually the same day).

It worked like a charm for a very long time, until I rented a car from Dollar Rent-a-Car for one day in April last year. I returned a car next day at around 09:00am, went to the meeting and eventually logged to my EZPass account to remove a license plate there in the afternoon.
Several days later I see several toll charges for the total of ~$8 in the area nearby coming from the plate recognition of the rental car. The timestamp says somewhere around 11:30am the same day I returned this car, but before I removed it from my EZPass account (so, obviously, a guy/girl who rented a car after me decided somehow not to pay tolls and EZPass had to read his plates and matched it to my account).

Thinking that the situation is very simple, I wrote an email request to EZPass through their website with a detailed explanation asking to credit those charges back to my account and go after the owner of this car (Dollar) for those toll violations. Several days later I get an answer to call them.

(skip many months)

Long story short - in total I tried to contact them 5 or 6 times using all types of communication (email, phone, snail mail). I sent them my rental car receipt that I asked Dollar to send me, that clearly says that I dropped the car at 09:00 and at the time of those charges it was NOT in my possession. The last LETTER I received from them made me seriously think if I speak to a brick wall and if my explanations are actually being read by someone or I'm just getting automated "F**K OFF" answers for all my communication - basically, they write that they have reconfirmed that the license plate had been recognized properly (like I argued with that) and ask me to provide documentation that I sold this car or got rid of it by other means if I was not in its possession.

My brain starts to explode here. I wrote them 2 or 3 times that it was a RENTAL car. I sent them rental receipts twice. I just don't understand what else can/should I do? )


Is it about the money? Of course, no, at least now. I think I am close to spending similar amount on postal stamps and I already spent much more in terms of my time dedicated to this. What pisses me off most is that I thought that rental receipt is going to be a universal and unquestionable proof that I was not a driver at the time of violation. "Sir, a car with a plate XXX-ZZZ was involved in bank robbery and triple homicide yesterday. We saw you in this car three days ago, so you are under arrest... - Sure, but guys, I dropped this RENTAL car 2 days ago, sorry. Bye.". Apparently it is not, at least for EZPass.

What should I do next? The most natural answer is obviously "Let it go. Forget" and I lean towards this myself, but I hate situations like that and want to make it right..

Any ideas? Is there any authority I can report EZPass to? (I guess they don't really care about BBB...)

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Bogus registration not displayed ticket from city of Las Vegas
Added on : Thursday January 09th 2014 08:00:07 PM
g: 0 Posted By: bubu
Views: 32 Replies: 0 I need some advice...

I got a delinquency notice in the mail for a "not displaying registration" ticket...aka expired sticker on the license plate from the city of Las Vegas Parking . Problem is the car was never in Las Vegas. This is a completely fictional ticket some lazy parking maid wrote up to boost their #. Not an uncommon thing from what I've read on the web.

Dispute it, no problem...right. Here is where I am just stunned. There is no "legal" dispute process outside of requesting a hearing in front of a "hearing officer" (who is an attorney hired by the City). Its a completely bullshit hearing from what I can tell. Here is what I'm required to sign in order to get a "hearing":

I understand that the Hearing Officer is an attorney and not an elected or appointed judge.

I understand that I am agreeing to be bound by the decision of the Hearing Officer. I understand and agree that, if necessary, due to my lack of timely payment, the City of Las Vegas can and may use this binding decision to have a formal civil judgment entered against me in the Las Vegas Municipal Court.

I understand that if I fail to provide a written statement or any evidence for the scheduled hearing before the Hearing Officer without first obtaining a continuance of such hearing, the Hearing Officer may enter a decision against me for the full amount and penalties scheduled to be reviewed.

I understand that if a civil judgment is obtained, the city may seek and obtain a Writ of Execution against me. I understand that if a Writ of Execution is obtained, my wages and/or bank account may be garnished, liens may be put on my property, and my vehicle(s) may be towed or immobilized.

Knowing all of the above, I still wish to request a binding hearing before the Hearing Officer on the above-described Notice of Infraction(s).

I hereby acknowledge the above

In order to get to explain the situation I have to sign away all my rights and trust that an attorney hired by the city itself will be impartial. Icing on the cake is the threat to turn it over to collections if I don't respond. Pretty much extortion as I have to agree to binding arbitration from a non-neutral 3rd party in order to get a "hearing", and enable the city to obtain a civil judgement against me...strengthening their collection case against me.

...so what can they really do to me? Advice on how I should proceed? I'm thinking of ignoring the notice, except the collection agency will start screwing with my credit report, while I can get them to state that I dispute the validity of this debt on the credit report, its derogatory none the less.

They want $225 btw, if it was $30 i'd pay it as an annoyance but $225 is really reaching.
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g: 1 Posted By: remick
Views: 424 Replies: 1 Shame Interrupted: How God Lifts the Pain of Worthlessness and Rejection
http://www.amazon.com/gp/product/B00F5KX7AU

4.8 out of 5 stars (26 customer reviews)

Shame controls far too many of us. Worthless, inferior, rejected, weak, humiliated, failure...it all adds up to wishing we could get away from others and hide. We know what shame feels like. The way out, however, is harder to find. Time doesn't help, neither does confession, because shame is just as often from what others do to you as it is from what you have done. But the Bible is about shame from start to finish, and, if we are willing, God's beautiful words break through.

Look at Jesus through the lens of shame and see how the marginalized and worthless are his favorites and become his people. God cares for the shamed. Through Jesus you are covered, adopted, cleansed, and healed.
--
Edward T. Welch, MDiv, PhD, is a licensed psychologist and faculty member at the Christian Counseling & Educational Foundation (CCEF).



Way of the Wise, The: Simple Truths for Living Well
http://www.amazon.com/dp/B00AFWM4RA

4.5 out of 5 stars (30 customer reviews)

Do not forget my teaching, but keep my commands in your heart, for they will prolong your life many years and bring you prosperity. Let love and faithfulness never leave you." These and other seemingly simple lessons were hard-won for a hardheaded young man who was more "wise guy" than "wise" early in life.

Now, internationally known psychologist and New York Times bestselling author Dr. Kevin Leman shares the biblical wisdom that has shaped him into the successful, joy-filled person he is today. With his trademark wit and humorous stories from his personal life, Dr. Leman shows readers how to jump-start or revitalize their lives both spiritually and practically with words from one of the wisest men of all time. (Hint: It's not him.) Dr. Leman offers hope, courage, and a fresh perspective on living a great life, all in a compact, readable package. This lively and inspiring book makes the perfect gift for professionals, graduates, and anyone who could benefit from simple truths for living well.



A Well-Worn Path: Thirty-One Daily Reflections for the Worshipping Heart
http://www.amazon.com/dp/B00FHI4VZU

4.9 out of 5 stars (10 customer reviews)

A Well-Worn Path is a beautiful collection of thirty-one brief daily spiritual reflections to renew your heart. Written by respected worship leader and teacher Dan Wilt, each devotional gives you a daily "boost of the Spirit," helping you find your well-worn path of intimacy with God. Designed for daily use, these short readings present a fresh, twenty-first century approach to the daily devotional, and will spark hope and faith in Jesus in you once again.



Zombie ChurchBreathing Life Back into the Body of Christ
http://www.amazon.com/Zombie-Church-Tyler-Edwards-ebook/dp/B0069W0IOG

4.5 out of 5 stars (17 customer reviews)

There is something missing in the church today. Stuck in a rut of routines and rituals, the church is caught up in doing what it is supposed to do but is lacking the true essence of what it is supposed to provide: life. Real faith--and a real relationship with Jesus--is not about playing by the rules, attending services, and praying before meals. Real faith is more than religion.



Angels: How to Understand, Recognize, and Receive Their Assistance
http://www.amazon.com/Angels-Understand-Recognize-Receive-Assistance-ebook/dp/B00H6U3DWY/

Angels: How to Understand, Recognize, and Receive Their Assistance is practical handbook for those desiring to learn about angels and receive angelic assistance and support. The book lays out a system for understanding how angels communicate with us and explains how we can connect with them to make our lives easier. This book is intended for anyone who is interested in the topic, no prior angel knowledge is necessary to read this book.



Shine Your Light: Happiness in the Company of Angels - 52 Weekly Quotes of Love & Support
http://www.amazon.com/Shine-Your-Light-Happiness-Company-ebook/dp/B00HMY4LRK

In this book you will find 52 weekly quotes inspired by the Angels to support and encourage you in your daily life. 14 of the quotes come together with beautiful pictures and are there as a reminder to look at life through the eyes of a child, or an Angel.



Faith Seeking Unspeakable Consolation
http://www.amazon.com/Faith-Seeking-Unspeakable-Consolation-Almodovar-ebook/dp/B00E72KBNS

Over the centuries theologians, philosophers, pastors and layman have wrestled with the theological Gordian knot of questions: If God is all-powerful (omnipotent) and all-loving (omni-benevolent) how can evil exist in the world?


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g: 0 Posted By: remick
Views: 315 Replies: 1 Shame Interrupted: How God Lifts the Pain of Worthlessness and Rejection
http://www.amazon.com/gp/product/B00F5KX7AU

4.8 out of 5 stars (26 customer reviews)

Shame controls far too many of us. Worthless, inferior, rejected, weak, humiliated, failure...it all adds up to wishing we could get away from others and hide. We know what shame feels like. The way out, however, is harder to find. Time doesn't help, neither does confession, because shame is just as often from what others do to you as it is from what you have done. But the Bible is about shame from start to finish, and, if we are willing, God's beautiful words break through.

Look at Jesus through the lens of shame and see how the marginalized and worthless are his favorites and become his people. God cares for the shamed. Through Jesus you are covered, adopted, cleansed, and healed.
--
Edward T. Welch, MDiv, PhD, is a licensed psychologist and faculty member at the Christian Counseling & Educational Foundation (CCEF).



Zombie ChurchBreathing Life Back into the Body of Christ
http://www.amazon.com/Zombie-Church-Tyler-Edwards-ebook/dp/B0069W0IOG

4.5 out of 5 stars (17 customer reviews)

There is something missing in the church today. Stuck in a rut of routines and rituals, the church is caught up in doing what it is supposed to do but is lacking the true essence of what it is supposed to provide: life. Real faith--and a real relationship with Jesus--is not about playing by the rules, attending services, and praying before meals. Real faith is more than religion.



Angels: How to Understand, Recognize, and Receive Their Assistance
http://www.amazon.com/Angels-Understand-Recognize-Receive-Assistance-ebook/dp/B00H6U3DWY/

Angels: How to Understand, Recognize, and Receive Their Assistance is practical handbook for those desiring to learn about angels and receive angelic assistance and support. The book lays out a system for understanding how angels communicate with us and explains how we can connect with them to make our lives easier. This book is intended for anyone who is interested in the topic, no prior angel knowledge is necessary to read this book.



Shine Your Light: Happiness in the Company of Angels - 52 Weekly Quotes of Love & Support
http://www.amazon.com/Shine-Your-Light-Happiness-Company-ebook/dp/B00HMY4LRK

In this book you will find 52 weekly quotes inspired by the Angels to support and encourage you in your daily life. 14 of the quotes come together with beautiful pictures and are there as a reminder to look at life through the eyes of a child, or an Angel.



Faith Seeking Unspeakable Consolation
http://www.amazon.com/Faith-Seeking-Unspeakable-Consolation-Almodovar-ebook/dp/B00E72KBNS

Over the centuries theologians, philosophers, pastors and layman have wrestled with the theological Gordian knot of questions: If God is all-powerful (omnipotent) and all-loving (omni-benevolent) how can evil exist in the world?


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g: 0 Posted By: remick
Views: 162 Replies: 0 Closer: Devotions to Draw Couples Together (was $13.99)
http://www.amazon.com/Closer-Devotions-Draw-Couples-Together-ebook/dp/B00B853OA4

4.8 out of 5 stars (8 customer reviews)

The Love Dare challenged individuals to love their spouse more. Closer shows wives and husbands how to grow that love together. Introduced with Scripture verses and engaging stories, these 52 devotionals will inspire couples to draw closer through faith conversations--those quiet talks so vital for emotional and spiritual intimacy in a marriage. Guided, practical action steps round out each reading. Closer, with its flexible weekly format, is an appealing alternative to a daily devotional.




Believing God(was $22.95)
http://www.amazon.com/Believing-God-Beth-Moore-ebook/dp/B0032UDV4M

4.7 out of 5 stars (146 customer reviews)

Join best-selling author and Bible teacher Beth Moore in her latest book as she explores what it means to know and truly believe God, not just to believe IN Him. Through the examples of believers like Abraham and Moses, who trusted God's promises, Beth encourages Christians of all ages to deepen their own trust in God, live out their faith and receive a fresh word from Him.



When Godly People Do Ungodly Things: Finding Authentic Restoration in the Age of Seduction (was $19.99)
http://www.amazon.com/When-Godly-People-Ungodly-Things-ebook/dp/B003WEA50G

4.7 out of 5 stars (82 customer reviews)

It is reported in the headlines, confessed in the pulpits, and hidden in the pews in churches around the world. The seduction of Gods people by the deceiver is a tale as old as the garden, but we are always surprised when it happens. We must realize that Satan is a lion on the prowl and we are his prey.
Beth writes with a passion fueled by the Biblical warnings of the schemes of Satans seductive activity and the broken-hearted concern of a teacher who receives countless letters from repentant Christians limping on the road to finding restoration. Delivering dire warnings to Christians to safeguard themselves against Satans attacks, Beth also reveals how you can know if someone is vulnerable. Beth writes, We, Christs church, are in desperate need of developing His heart and mind in issues like these. She fears that often God is far more merciful than the Body of Christ is with the deeply repentant and those desperate to find their way home. When Godly People Do Ungodly Things will be a guide to authentic repentance and restoration.



The Beloved Disciple (was $19.99)
http://www.amazon.com/Beloved-Disciple-Beth-Moore-ebook/dp/B003WEA5BU

4.8 out of 5 stars (27 customer reviews)

John the apostle must have thought he had seen everything. Having been with Jesus all the years of his ministry, John witnessed more miracles than he could count, saw more displays of power than he could comprehend, and experienced more love than he could fathom. And one unforgettable morning young John outran Peter to his Saviors empty tomb. Just as Christ took John on a lifelong journey into the depths of His love, He will do the same for you. The bridegrooms love is unmatched and inexhaustible, and He is waiting to lavish it on you, His beloved.



To Live Is Christ (was $19.99)
http://www.amazon.com/Live-Christ-Beth-Moore-ebook/dp/B003WEA5C4

4.4 out of 5 stars (22 customer reviews)

In To Live Is Christ, best-selling author Beth Moore travels on a spiritual odyssey through the life of one of Christianitys most fervent journeymen, the apostle Paul, tracing his story from childhood to martyrdom.
Proclaiming his faith as a benchmark in New Testament Scripture, Beth writes, "I have accepted many of Pauls words as a personal challenge. I want to know Christ has become my plea. To live is Christ and to die is gain has become my hope. And to borrow his words once more, Not that I have already obtained all this . . . but I press on."
Pauls undying passion for Christ continues to inspire and challenge those with a deep spiritual hunger for the things of God. Readers will be greatly refreshed by the obvious mercy of God that causes those who have failed him to repent and serve him wholeheartedly and effectively.



Pray the Scriptures Bible: Psalms and Proverbs (was $9.99)
http://www.amazon.com/Pray-Scriptures-Bible-Psalms-Proverbs-ebook/dp/B005UEXF58

4.3 out of 5 stars (7 customer reviews)

First-of-Its-Kind Bible Combines the Full Text of GOD'S WORD with Thousands of Prayers
For those interested in centering their prayers on the foundation of Scripture, this Bible will be an encouraging companion to daily Bible reading and prayer. Bestselling author Kevin Johnson presents an approach to the power of biblical prayer by offering Scriptures that inspired them. Readers will pray with more confidence, learning to apply Scripture to their lives and pray words they know God will hear.



Everyday Prayers: 365 Days to a Gospel-Centered Faith (was $6.99)
http://www.amazon.com/Everyday-Prayers-Days-Gospel-Centered-Faith-ebook/dp/B005GMYADU

4.7 out of 5 stars (74 customer reviews)

How would life be different if we could think, see, and do all things in light of the person and work of Jesus? With this inspiring collection of 365 Scripture-centered prayers, Scotty Smith helps readers pray the Scriptures through the lens of the gospel, mining the resources of God's grace and applying them in every season of life. He frees readers to abandon any posing or pretending in favor of an honest, no-spin relationship with a God who claims them as his own.
Each day includes a Scripture reference and an inspirational original prayer, born from both moments of great faith and moments of crisis. Like a modern-day book of Psalms, Everyday Prayers is a year's worth of growing in grace that readers will lean on year after year.




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Free Kindle Book- Today's the Day! by Jim Stovall (was $16.99)
Added on : Monday December 30th 2013 06:00:06 AM
g: 1 Posted By: remick
Views: 286 Replies: 0 http://www.amazon.com/Todays-Day-Jim-Stovall-ebook/dp/B005NHTRTU

By picking up this book, you have already taken a first step toward succeeding in life. But will you take the next step. and the next? Will today be the day you finally resolve to do something positive with your life-no matter what difficulties you face?

The world is made up of all kinds of people in all sorts of circumstances. But ultimately, everyone falls into one of two categories: winners or losers those who succeed. and those who fail. Nobody sets out to lose fail. But often we don't really know what success means, or how to achieve it personally.

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Ready to get started learning the winner's ways of success? Today's the Day!
Books Deals

Amazon Coupons
g: 7 Posted By: remick
Views: 776 Replies: 3 http://www.amazon.com/Hunters-Guide-Shotguns-Upland-Game-ebook/dp/B00DJ5RZEW

Recommendations for purchasing the ultimate all-around shotgun
The best shot to use for quail, grouse, woodcock, partridge, doves, pheasants, and rabbits
Instruction on handloading to tailor shells to different birds and situations
Hunter's Guide to Shotguns for Upland Game is a valuable reference that educates hunters about how to find the perfect shotgun to match their needs. The book takes a pragmatic approach for the average hunter looking to get the most bang for his buck and shows that hunters don't have to break the bank to buy a versatile shotgun. It discusses the best guns for various species of upland game and examines the all-important criteria for choosing a shotgun: the hunter's physique, preferred action type and gauge, gun features, price range, whether or not he's hunting with dogs, and other possible uses for the gun such as deer hunting or clay Target games. Profiles of major manufacturers and models showcase a wide variety of shotguns to give readers a good idea of the relative strengths and weaknesses of available products. Once a hunter has selected a shotgun, he will discover how to use custom loads and make modifications to personalize his gun and improve its performance.


Deer Hunting Secrets [Kindle Edition]
http://www.amazon.com/Deer-Hunting-Secrets-Joe-Pineland-ebook/dp/B00DEXCOQS

Learn what it takes to become a legend at hunting whitetail! Let me be your guide. I have been where you are and I know where you want to go.
Growing up in a hunting family with just about everyone being a hunter and having so many diverse ideas about hunting was priceless. And over the years I have met some amazing hunters all over North America. I would like to share with you everything Ive learned from the legends Ive known, and of course everything from my own fantastic hunting success.
Now you can gain in a short period of time, what has taken me years to accomplish.

The 10 Sins of Turkey Hunting with Preston Pittman [Kindle Edition]
http://www.amazon.com/Turkey-Hunting-Preston-Pittman-ebook/dp/B00D7NQFS8

If you dont commit one of the 10 sins of turkey hunting, your chances of bagging a gobbler go up by at least 500 percent. If you go back and replay all the turkey hunts youve been on and failed to bag a bird that youve heard gobble, more than likely youll be able to identify one of these 10 sins that has caused you not to be successful. The 10 Sins of Turkey Hunting is just one of the chapters from How to Hunt Turkeys With World Champion Preston Pittman, where Preston shares more of his knowledge and wisdom from hunting turkeys, winning calling contests and being a turkey call manufacturer for many years.

Gun Safety Guide [Kindle Edition]
http://www.amazon.com/Gun-Safety-Guide-ebook/dp/B00BGH9ECG/

How to Smoke Salmon: an American Indian Guide to Smoking Salmon [Kindle Edition]
http://www.amazon.com/How-Smoke-Salmon-American-Smoking-ebook/dp/B00H7JHQGI

If you are serious about smoking salmon and want to learn how to smoke salmon then this book is for you. This is an introduction as there is a lot to learn. This book draws on more than 10,000 years of ancestral knowledge from Alaska and the Yukon.
Men and Women have been smoking salmon for thousands and thousands of years. Cory Mann / Gutchqena, a Native American, walks you through how to create and obtain smoked fish from an Alaska / Yukon Tlingit American Indian point of view.
Cory Mann / Gutchquena directed the award winning documentary movie Smokin Fish. There is a shorter version on PBS and it is all about Smoking Salmon and this book takes off where that movie falls short. Like the movie this book is a bit of a comedy as well.


Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 303 Replies: 1 http://www.amazon.com/Hunters-Guide-Shotguns-Upland-Game-ebook/dp/B00DJ5RZEW

Recommendations for purchasing the ultimate all-around shotgun
The best shot to use for quail, grouse, woodcock, partridge, doves, pheasants, and rabbits
Instruction on handloading to tailor shells to different birds and situations
Hunter's Guide to Shotguns for Upland Game is a valuable reference that educates hunters about how to find the perfect shotgun to match their needs. The book takes a pragmatic approach for the average hunter looking to get the most bang for his buck and shows that hunters don't have to break the bank to buy a versatile shotgun. It discusses the best guns for various species of upland game and examines the all-important criteria for choosing a shotgun: the hunter's physique, preferred action type and gauge, gun features, price range, whether or not he's hunting with dogs, and other possible uses for the gun such as deer hunting or clay Target games. Profiles of major manufacturers and models showcase a wide variety of shotguns to give readers a good idea of the relative strengths and weaknesses of available products. Once a hunter has selected a shotgun, he will discover how to use custom loads and make modifications to personalize his gun and improve its performance.


Deer Hunting Secrets [Kindle Edition]
http://www.amazon.com/Deer-Hunting-Secrets-Joe-Pineland-ebook/dp/B00DEXCOQS

Learn what it takes to become a legend at hunting whitetail! Let me be your guide. I have been where you are and I know where you want to go.
Growing up in a hunting family with just about everyone being a hunter and having so many diverse ideas about hunting was priceless. And over the years I have met some amazing hunters all over North America. I would like to share with you everything Ive learned from the legends Ive known, and of course everything from my own fantastic hunting success.
Now you can gain in a short period of time, what has taken me years to accomplish.

The 10 Sins of Turkey Hunting with Preston Pittman [Kindle Edition]
http://www.amazon.com/Turkey-Hunting-Preston-Pittman-ebook/dp/B00D7NQFS8

If you dont commit one of the 10 sins of turkey hunting, your chances of bagging a gobbler go up by at least 500 percent. If you go back and replay all the turkey hunts youve been on and failed to bag a bird that youve heard gobble, more than likely youll be able to identify one of these 10 sins that has caused you not to be successful. The 10 Sins of Turkey Hunting is just one of the chapters from How to Hunt Turkeys With World Champion Preston Pittman, where Preston shares more of his knowledge and wisdom from hunting turkeys, winning calling contests and being a turkey call manufacturer for many years.

Gun Safety Guide [Kindle Edition]
http://www.amazon.com/Gun-Safety-Guide-ebook/dp/B00BGH9ECG/




Books Deals

Amazon Coupons
Office Depot rebate software for the week of 12/29/2013 (1 $10AR, 1 $15AR)
Added on : Thursday December 26th 2013 06:00:03 PM
g: 0 Posted By: bpvh
Views: 33 Replies: 0 Office Depot rebate software for the week of 12/29/2013 (1 $10AR, 1 $15AR)


AVG Internet Security
$9.99 After $30 Mfr. Mail-In & $40 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
In Store Price $79.99
Item #211-043


McAfee Internet Security for 3 PCs
$14.99 After $4 Instant & $51 Mfr. Mail-In Savings Visa Prepaid Card
In Store Price $65.99
Item #101-324


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
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Office Depot Coupons
g: 0 Posted By: itsausername
Views: 139 Replies: 0 In the wake of yet another instance of widespread data compromise for the purposes of financial fraud, I thought we should have a discussion of information security as viewed mainly from a financial perspective. While in the case of the Target_ compromise, there may be little that we can personally do to avoid a repeat, the more routine sorts of fraud are more readily influenced by individual behavior.

None of this is particularly new as I expect that it has been repeatedly discussed over time in disparate threads of this board. I would like a more concentrated form of that to be established here.

Financial security is often compromised by our own activities and careless guarding of related details. Not all of this is even under our direct control, but being circumspect about what we can protect is crucial_.

If someone has targeted you for theft, be it digital or otherwise, it is likely you will be compromised to some extent. Over the years, many of our personal details become widely distributed. Further, information aggregation business are out there, simplifying research done by others, including unscrupulous parties.

Most of what I'm concerned about herein is the prevention of casual/incidental abuses that stem from our personal lapses in privacy/security.

Has all this worked for me? Yes and no. Over the years, I've had the occasionally fraudulent CC charge appear and have always been able to get it expunged, sometimes also replacing the related card. So far so good, but the less of it the better.

Also, I don't do all of these things. This is time consuming and somewhat endless due to the moving target_ that is the information age. Securing things often means much less convenience will follow; it is a balance to be sure. Yet I do much of the below and am interested in seeing what others do in addition to this and/or how the FWF community adapts them to their own situations.

The better content should be placed in the quick summary along with proper credits to their posters since reading a long thread (if this becomes that) is not something a lot of casual readers will be inclined to do.

What follows is my personal list, many aspects of which are 'obvious' or will surely not suit others here. It is also far from comprehensive but provides a discussion starting point. To each his own, of course:
:
Online accounts

userid/password/security keys
- Randomize them all, make them strong! After that, you'll probably need to look them up with each usage or trust an account management program. Backups will become crucial_.
- Avoid use of the same entries across multiple sites.
- Verification questions need not have relevant answers. E.g.: What was your first pet's name? "^BxaAp43O", sure seems like a mouthful, but it's more secure than 'Spot'.
- Secondary security elements may be simple/weak as long as they are encapsulated by a strong initial layer which itself cannot be bypassed. I'll leave the 'connecting of dots' to the reader, but the next topic is one encapsulation method I like.

Encryption

Use TrueCrypt; learn how to apply it. Protect all media containing financial information. Specifically, I suggest usage of device level encryption. If not TC, use what you like, but encrypt that financial data! I personally question the strength of Microsoft Office's (and other application suites) built in file encryption/password protection, but something is better than nothing. Do it. Do it now.
Selectively encrypting your email is nice too, but should be rarely need and often means educating recipients which can be royally painful. As an alternative, call or visit the other party if it is necessary to convey sensitive information. Never plain text email account credentials to anyone. Use your online account's 'secure email' option when communicating with your financial institutions.

Digital backup

Use the 'cloud' to store strongly encrypted backups and keep them current. Such could even be posted to Usenet. Trust in your encryption, not the service provider.
Store copies on solid state media like USB sticks. I've had sticks go through the laundry and survive unscathed, but all things fail so treat accordingly.
- Off-site a routinely refreshed copy, e.g. work/home exchange of a pair of encrypted sticks.

Physical records

Shred them before you throw them out: bills, application forms, courtesy checks, statements, etc.
- Storage should not be on the kitchen counter for any persons to see/browse/appropriate; keep them under lock and key and destroy when no longer useful.
- Consider elimination of billing statements via auto pay methods.
Alter the CVV codes on the back of your physical cards. Adopt a secret method of alteration and write the new number in place of the original. Writing an altered form of that often forgotten or rarely used ATM/Debit card PIN on the card itself becomes relatively safe to do as well. While I'm on the topic, don't sign your CCs, it often causes cashiers to check for photo ID. A thief can sign it of course, but it would provide more evidence that you did not authorize the usage in the event of a signature verification.

Email

Limit what details are routinely sent to your email account by bill payment systems.
- Providers, among others, all along the delivery chain are known to do 'market research' via scans of your email content; this is *not* encrypted. Consider what you receive/send by email as equivalent to having been posted on a public bulletin board.

Swipes

Inspect publicly accessible readers (e.g. pumps, ATMs) for skimming paraphernalia. The 'good stuff' may be hard to spot, but observation over time at the same device can help you recognize 'normal' and give pause when something has changed.

Online CC

When available, use the virtual account number features of your CC provider.
- Setting a preauthorize transaction limit and near-term expiration can prevent all sorts of unauthorized tomfoolery.
Avoid saving/registering payment details such as card numbers with each vendor.

Other access restriction*

Disable the cash advance feature of your CC if you don't intend to use it. A call to the issuing bank or online secure email may be all it takes to set this limit to $0. Bonus to doing this is that charges which are not known to be cash advances at the time of the attempt will be declined, avoiding the related advance fee which is often quite substantial.
Disable the debit card functionality of ATM cards if you don't need it. Many ATM debit cards have VISA/MC logos and can be used in credit mode instead. Loosing possession of your card while it has debit enable features can lead to the quick zeroing of your associated account balance.

* It has been my experience that some banks will refuse to do either of the above. So much for consumer focus.

Aggregators

Find them and request that your records be excluded from searches. I leave it to the community to indicated which providers to pursue for this and give related (if any) links/instructions. I'm lazy like that. This would be good content for the quick summary.
Wallet services - one stop shops are run by someone, probably many someone's, all with administrative rights to your account details. How much trust are you willing to seed in them?

Monitoring

Credit/account monitoring services let you know when there is suspicious activity and/or new credit inquiries going on. They can help resolve issues too. I'm personally on the fence regarding these and generally not willing pay for the benefit. They are yet another aggregator like group, but ostensibly 'on your side'.
Some people go as far as placing a security freeze on their accounts for each of the big three credit reporting companies. I've heard third hand that it may require some type of adverse action before it is permitted. Experian's Description

RFID enabled devices/documents

For example, gas pump dongles. Maybe this is more a matter of paranoia, but be aware that it's always 'on' and can be scanned without your knowledge. Not only gas pumps do this.
These chips can be intentionally burnt out or masked if you're sufficiently concerned. I might like to do that to a passport, but doing so may substantially slow usage at the border.

Miscellanea

When all else fails, cash is king?


Let the constructive criticism barrage begin...


General questions for the community:

Which privacy/security practices are of the highest value in return for their corresponding effort to maintain?
How should incapacitation/death be handled, when another trusted party needs to know?


PS: I realize that this discussion scope is in danger of being far too broad already, so though it seems a logical follow up question, I suggest we avoid the 'what do I do now that I have been compromised?' tangents, focusing instead on prevention versus remediation.
Discussion Deals
g: 0 Posted By: ArtieLange
Views: 72 Replies: 0 Newegg has the Lite-On 24X SATA DVD Burner (iHAS124-04) for a low $14.99 Free Shipping after Coupon Code: "EMCYTZT5282"

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Antivirus company; What kind of business model it is.
Added on : Saturday December 21st 2013 06:00:06 AM
g: 0 Posted By: delhel
Views: 106 Replies: 1 I sort of intrigued by the business model of Antivirus software companies.It seems they dole out a major chunk of their product free after rebate. So, does their product development cost is minimal or they just think 70% of of people who buy free after rebate software will simply fail to cash in their rebates?
Discussion Deals
Stubhub.com 5% Rewards starts today, 12/21/13 thru 12/25/13
Added on : Saturday December 21st 2013 01:00:05 AM
g: 0 Posted By: DaysFan
Views: 195 Replies: 0 http://www.stubhub.com/
http://www.stubhub.com/promotions/scratch/common/gc_fr.jpg


The 5% rewards promotion period starts on December 20, 2013 12:00 AM PST and ends on December 25, 2013 11:59 PM PST
Must be enrolled in StubHub Fan Rewards prior to purchase.
Offer applies only to gift certificates purchased on stubhub.com to receive the 5% in rewards. Other event purchases will earn rewards at the standard rate for your level of membership.
Offer only applies to gift certificates purchased in the same order and cannot be combined with other offers, discounts, promotions or gift certificates.
Offer does not apply to previous gift certificate purchases.
Offer is non-transferable, void where prohibited, not redeemable for cash and has no face value.


Except as set out above, all other terms and conditions of the StubHub Fan Rewards program apply to this promotion. Promotion is subject to change without notice.
These are the StubHub Fan Rewards Program Terms & Conditions ("Program Terms"). These Program Terms are effective on September 16, 2013, or upon acceptance for all eligible StubHub users who have successfully registered for the Program.StubHub Fan Rewards Program Terms & ConditionsThe StubHub Fan Rewards Program ("Program") is designed to reward StubHub users for purchasing tickets on www.stubhub.com. Eligible Participants will receive Rewards based on a percentage of their Eligible Purchase or through other promotional offers and have an opportunity to redeem Rewards in accordance with the following Terms and Conditions:

Eligible Participants. An "Eligible Participant" means a StubHub user who meets, and continues to meet during participation in the Program, the following criteria:

1.1 Is a registered member of www.stubhub.com with a StubHub account in good standing (no hold or suspension) and is a legal U.S. or Canadian (excluding Quebec) resident who has reached the age of majority or older in their jurisdiction of residence, with a U.S. or Canadian (excluding Quebec) registration address tied to his/her StubHub account;
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Earn Rewards Toward Rewards FanCodes. The Program allows Eligible Participants to earn Rewards on every Eligible Purchase they make on www.stubhub.com. These Rewards will then be converted into a Rewards FanCode when the Eligible Participant accrues $10 in Rewards.

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2.1.1 The Eligible Participant purchased tickets, gift certificates, parking passes, hospitality, packages, and service and delivery fees after confirmation of Program registration on www.stubhub.com.
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2.1.3 The amount of an Eligible Purchase does not include any gift certificate redemption, Customer Service credit, any FanCodes, whether issued as Rewards under this Program or through other StubHub channels, partial refunds, free items, purchases that fail to comply with applicable StubHub Terms and Conditions, past purchases, and non-shipped, undeliverable or returned items.
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2.2 Rewards. "Rewards" means a U.S. dollar amount which may become redeemable in the form of a Rewards FanCode (see Section 2.3 below) attributed to the Eligible Participant's StubHub account. Rewards will be calculated as follows:

2.2.1 Once StubHub receives Verified Delivery of an Eligible Purchase, it will issue Rewards based on the Eligible Participant's membership status to the Eligible Participant within 72 hours. The Rewards earned will be displayed on the Eligible Participant's "Rewards Summary" within "My Account".

2.2.1.1 Star Status. "Star" is the status designated to an Eligible Participant who completes fewer than 10 purchases or spends less than $2,000 in a calendar year. Eligible Participants at this status will earn Rewards at the rate of 2% on the amount of their Eligible Purchases. When an Eligible Participant enrolls in the Rewards Program, they will automatically be set at Star status.
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2.3 Rewards FanCode. "Rewards FanCode" means an electronic certificate that is awarded to an Eligible Participant after the Eligible Participant earns $10 in Rewards.

2.3.1 StubHub will endeavor to issue an Eligible Participant a Rewards FanCode within 72 hours after an Eligible Participant has earned $10 in Rewards, but StubHub may take longer to issue a Rewards FanCode. StubHub reserves the right to withhold issuance of a Rewards FanCode if StubHub is investigating an Eligible Participant's compliance with these Program Terms or any other of its policies.
2.3.2 Any earned Rewards FanCode, including its expiration date, will be displayed in the StubHub Fan Rewards section of My Account and on the Rewards summary page. You will also see any unused, unexpired Rewards FanCode in the checkout flow when you make a purchase.


Rewards FanCode Redemption. An Eligible Participant may redeem any Rewards FanCodes issued by StubHub in accordance with the following requirements:

3.1 The Rewards FanCode is valid and redeemable by an Eligible Participant for six (6) months after StubHub issues the Rewards FanCode.
3.2 Rewards FanCodes may only be redeemed on www.stubhub.com.
3.3 An unused or partially used Rewards FanCode is forfeited when the Rewards FanCode expires.
3.4 Rewards FanCodes may be redeemed together, unless StubHub specifies otherwise.
3.5 To use a Rewards FanCode, the Eligible Participant must place an order before the expiration of the Rewards FanCode. During checkout, the Eligible Participant must select the checkbox for the Rewards FanCode they want to use.
3.6 The Rewards FanCode will be applied to the total purchase price and any unused amount remaining on a Rewards FanCode, if any, will continue to be available to the Eligible Participant until that Rewards FanCode expires.

Restrictions

4.1 Rewards Restrictions

4.1.1 Expiration of earned rewards. Rewards totaling less than $10 that have not been converted into Rewards FanCodes are forfeited if the Eligible Participant cancels their membership in the Program, the Eligible Participant's StubHub account is terminated or suspended, StubHub terminates the Program or the Eligible Participant's participation in the Program, or the Eligible Participant has not made an Eligible Purchase on www.stubhub.com within 12 months.
4.1.2 Earning limits per transaction. Subject to these Program Terms, there is no limit to the total Rewards an Eligible Participant may earn for each Eligible Purchase transaction or in a calendar year.
4.1.3 Rewards may only be earned on Eligible Purchases made on www.stubhub.com.
4.1.4 Rewards may only be earned on one StubHub account per Eligible Participant, regardless of the number of StubHub accounts used by such Eligible Participant.
4.1.5 Rewards will be tied to the StubHub account of the Eligible Participant and Rewards cannot be combined across any other StubHub accounts.
4.1.6 StubHub reserves the right to hold back or otherwise suspend Rewards after purchase in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards may not be earned or may be removed from the Eligible Participant's account during StubHub's investigation.
4.1.7 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards after posting.
4.1.8 If an order is canceled, the Rewards earned for that purchase will be deducted. If the order resulted in a Rewards FanCode, the Rewards FanCode will be voided if unused. If the Rewards FanCode has been used, the Rewards deducted may result in a negative Rewards balance.
4.1.9 If an Eligible Participant cancels their membership in the Program with a negative Rewards balance in their account and subsequently decides to rejoin the Program, the negative Rewards balance will remain.

4.2 Rewards FanCode Restrictions

4.2.1 Rewards FanCodes are not transferable, have no cash value and cannot be redeemed for cash. Rewards FanCodes will be cancelled and become null and void if sold, purchased or transferred, whether for value or not, except as expressly provided in these Program Terms.
4.2.2 Rewards FanCodes cannot be used retroactively for prior purchases.
4.2.3 Rewards FanCodes cannot be used to purchase gift certificates.
4.2.4 Rewards FanCodes can only be applied during online checkout, and cannot be applied retroactively by LMS or StubHub Customer Service.
4.2.5 StubHub reserves the right to hold back or otherwise suspend Rewards FanCodes in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards FanCodes may not be redeemed during StubHub's investigation.
4.2.6 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards FanCodes after posting.
4.2.7 Unredeemed Rewards FanCodes are not forfeited if the Eligible Participant cancels membership. However, these Rewards FanCodes may be forfeited if StubHub terminates the Eligible Participant's membership or terminates the Program.
4.2.8 If an Eligible Participant uses the Rewards FanCode towards the purchase of an item that is later refunded or credited, StubHub will credit back and reissue to the Eligible Participant the Rewards FanCode used on the refunded item with its original expiration date. If the FanCode's original expiration date has passed or is less than 30 days away from the date of reissuance, StubHub will issue the FanCode with a new expiration date of 30 days from the date of reissuance.


Other Terms and Conditions.

5.1 Modification and Termination.

5.1.1 StubHub reserves the right to modify or terminate this Program, in whole or in part, at any time by posting amended terms or a termination notice on the Eligible Participant's "Rewards Summary" section within "My Account", by sending an email notice to the email addresses tied to the Eligible Participant's StubHub accounts, or by any other means it deems sufficient ("Notice"). Except where stated otherwise by StubHub or as required by applicable law, all amended terms will be effective three (3) days after Notice. If any modification is unacceptable to you, your only recourse is to cancel membership of the Program by going to the StubHub Fan Rewards page, clicking "Cancel Membership" and then clicking "I'm sure" to confirm your cancellation. Without limiting the foregoing, StubHub may suspend an Eligible Participant's participation in the Program indefinitely to investigate potential violations of StubHub's policies without prior notice to the Eligible Participant. If StubHub in its sole discretion believes an Eligible Participant has or is using existing StubHub accounts or creating new accounts in order to circumvent or undermine these Program Terms, or is otherwise engaging in any activity not in keeping with the letter and/or spirit of the Program and these Program Terms, as interpreted by StubHub in its sole and absolute discretion, StubHub reserves the right to terminate the Eligible Participant's participation from the Program and their StubHub account.
5.1.2 To cancel membership in the Program, please go to the StubHub Fan Rewards Page under My Account and click the link "Cancel Membership". By cancelling, you forfeit all accumulated Rewards.

5.2 Other Restrictions. The Program is void where prohibited. All Rewards and Rewards FanCodes are subject to verification at any time. StubHub reserves the right, in its sole and absolute discretion, to invalidate any Rewards or Rewards FanCodes it deems to have been awarded in error, or as the result of any fraudulent activity, or any activity not in keeping with the letter and/or spirit of these Program Terms, as interpreted by StubHub in its sole and absolute discretion.
5.3 Combination with Other Programs. Rewards FanCodes may be redeemed with Gift Certificates, Discounts, Other Rewards FanCodes, and Customer Service credits as may be permitted by StubHub in its sole and absolute discretion. StubHub reserves the right to disallow the combination of certain Rewards FanCodes with any of the above listed or any other promotions it may offer from time to time.
5.4 Promotions. StubHub may in its sole and absolute discretion and from time to time, offer supplementary programs, rewards, benefits or promotions related to the Program. These Program Terms shall apply to such offers, along with any additional terms and conditions that accompany the offer, unless you are notified otherwise.
5.5 Limitation of Liability. TO THE EXTENT PERMITTED BY LAW, STUBHUB, INC. ("STUBHUB") STUBHUB SHALL NOT BE LIABLE FOR ANY CLAIMS, ACTIONS, INJURY, LOSS OR DAMAGE OF ANY KIND, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY OR DEATH, RESULTING FROM THE PROGRAM. THIS LIMITATION OF LIABILITY IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL DAMAGES OF ANY KIND, INCLUDING (WITHOUT LIMITATION) COMPENSATORY, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES; LOSS OF DATA, INCOME, OR PROFIT; LOSS OR DAMAGE TO PROPERTY; AND CLAIMS OF THIRD PARTIES. ELIGIBLE PARTICIPANTS OF THE PROGRAM AGREE THAT STUBHUB HAS NOT MADE NOR IS IN ANY MANNER RESPONSIBLE OR LIABLE FOR ANY WARRANTY, REPRESENTATION, OR GUARANTEE, STATUTORY, EXPRESS OR IMPLIED (INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, AND FITNESS FOR A PARTICULAR PURPOSE), IN FACT OR IN LAW, RELATIVE TO THE PROGRAM. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, STUBHUB DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES OR REPRESENTATIONS WITH RESPECT TO WWW.STUBHUB.COM OR THE PROGRAM, AND STUBHUB SHALL NOT BE LIABLE FOR THE CONSEQUENCES OF ANY INTERRUPTIONS OR ERRORS RELATED THERETO. THESE TERMS GIVE YOU SPECIFIC LEGAL RIGHTS. StubHub is not responsible for printing or typographical errors in any Program related materials; for stolen, lost, late, misdirected purchases; or for transactions and/or emails that are lost, misdirected, fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly or are lost for any reason including computer, telephone, paper transfer, human or other error; or for electronic, computer, or telephonic malfunction or error, including inability to access any web site associated with the Program, or process any transaction thereon. If in StubHub's opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Program, or if computer virus, bugs, unauthorized intervention, fraud, or technical difficulties or failures compromise or corrupt or affect the administration, integrity, security, fairness, or proper conduct of the Program, StubHub reserves the right at its sole discretion to disqualify any individual connected therewith, to modify or suspend the Program, or to terminate the Program. In all matters relating to the interpretation and application of any rule or phase of this Program, the decision of StubHub shall be final. StubHub reserves the right to cancel, amend or revoke the Program or any portion thereof at any time due to business considerations or circumstances beyond its control. Any attempt by an Eligible Participant or any other individual to deliberately damage any web site or undermine the legitimate operation of the Program is a violation of criminal and civil laws and should such an attempt be made, StubHub reserves the right to revoke any Rewards or Rewards FanCodes, and seek damages and other remedies from any such person to the fullest extent permitted by law. Any attempts by an individual to access any web site associated with the Program via a bot script or other brute force attack or any other unauthorized means may in the sole and absolute discretion of StubHub will result in the IP address becoming ineligible. Use of automated devices or programs to access, accrue, or redeem any Program benefits is prohibited.
5.6 The waiver by StubHub of a breach of any provision of these Program Terms by an Eligible Participant or other individual shall not operate or be construed as a waiver of any other or subsequent or preceding breach by an Eligible Participant or other individual. No waiver by StubHub of any right under the Program shall be construed as a waiver of any other right. StubHub shall not be required to give notice to enforce strict adherence to all terms of the Program.
5.7 Governing Law. For purchases made at www.stubhub.com these Program Terms and the Program will be interpreted, construed and enforced, and governed in all aspects in accordance with the exclusive jurisdiction and laws of the state of California. Any cause of action arising under or relating to these Terms and Conditions will be brought exclusively in a court in San Francisco County, CA. Any claim or dispute arising under or relating to these Program Terms will be brought exclusively in a court in San Francisco, CA.
5.8 In the event that any provision in these Program Terms is determined to be invalid, illegal, or unenforceable, such determination shall not affect the validity and enforceability of any other remaining provisions of these Program Terms.
5.9 All Eligible Participant personal information will be subject to the StubHub Privacy Policy available at http://www.stubhub.com/privacy-policy/ as may be amended from time to time in accordance with its terms. Without limitation, Eligible Participant personal information may be used to administer the Program


Services Deals
Useful life of mid and high rise condos?
Added on : Thursday December 19th 2013 04:00:11 PM
g: 0 Posted By: pj737
Views: 45 Replies: 0 A friend of mine that owns a condo in Honolulu, Hawaii may possibly receive a $60,000+ special assessment from his building's association because of necessary concrete spall repair and sewer/drain line rehabilitation. Because neither of these expenses were included in the building's Reserve Study, the HOA can forcibly pass these costs on to the owners. There is currently a lawsuit between several owners and the HOA as, understandably, many owners cannot afford this one-time upfront cost. They are currently seeking financing for these repairs. The building is just over 45 years of age and the HOA is claiming the cast iron pipe in the building has exceeded its design expectancy of 40 years and needs replacement. Others have contended that cast iron pipe should last longer... 50-60 years, and that repairs should be made instead of complete replacement. My friend is perplexed that the replacement cost of this piping (which runs throughout the entire building; some of which is only accessible by cutting massive slabs of rebar reinforced concrete) was never included in the Reserve Study. Most owners had no idea that this replacement was (soon) required and that it could be so expensive. In addition to the new piping, there is significant spall damage resulting from leaking pipes and weather-related degradation. For those that don't know what spalling is, it's when rebar inside of concrete corrodes and subsequently expands because of contact to moisture. The expansion of the degrading steel is often placed close to the surface of the concrete so it pushes the concrete out causing it to crack, crumble and fall. All concrete is porous so if it's not sealed and encapsulated to moisture, the rebar will eventually corrode, expand and crack the concrete compromising the structural integrity of the member. In other words, all concrete will eventually fail. This building is located in Honolulu, Hawaii and is in close proximity to the ocean; the high humidity of the tropics, consistent rainfall and salt content in the air all contribute to a more rapid degradation of steel and concrete than other parts of the nation.

So this got me thinking, are maintenance fees too low to truly sustain the ultra-long-term maintenance and rehabilitation requirements of condos? I know a lot of owners of condos gloat about how they don't have to worry about costs associated with single family home repair because it's covered in the monthly HOA dues but it's clear that reserve studies (which determine the replacement cost and life cycle of all the building's components) does not include EVERYTHING. I sit on two condo boards (in Honolulu, Hawaii), both of which are roughly 40 years old, and the reserve studies for both buildings do not show any reserves for future spall repair or water, sewer and drainage piping replacement. There is nothing for curtain wall window replacement, handrail replacement and upgrades for electrical wiring (though they do for most electrical components like transformers, switch-gear etc). They include virtually all replaceable items like marble cladding on certain architectural walls (which still look perfect 40 years later) but nothing to replace pipes that inevitably will fall apart over time. It's appalling. Then I started thinking about the structure itself... what is the life cycle or "useful life" of a mid or high rise building? I see building implosions of all types on the internet/news all the time. I've seen dozens of large concrete buildings being demolished here in Honolulu too... some of which are only about 50 years old. I understand that many of these buildings are torn down because they are technologically obsolete, don't meet new code/safety requirements or the building that sits on the land isn't serving the "best use" of the land. But in a condo where there are dozens or hundreds of owners, what happens? Eventually the ENTIRE building has to be torn down, right? Eventually the long term maintenance costs will exceed the cost to finance and erect a new modern structure that serves the needs and requirements of a modern society. Then there is the argument that some buildings last hundreds of years. That's true... but these are usually buildings that have cultural or historical significance... and a ton of money is usually injected into preserving these unique buildings through private, municipal, state and federal entities via taxpayers, public/private donations, trusts or otherwise. Owners of regular buildings (like the type that 98% of people reside in) would never have that kind of money to constantly rehabilitate to be safe and at least moderately technologically acceptable. In a nutshell, it would be impossible to preserve a decent standard of living and safety for residents with controlled costs in a multi-century old structure.

The economic life of most mid to high rise steel or steel-reinforced concrete buildings is 80-100 years (according to what I've read in studies). Wouldn't that suggest that your investment would mostly vaporize at some point? When you buy a single family house, the house (brand new) is usually worth about a third of what you pay... and the land about two-thirds (i.e. a new $1M house would be valued at about $330K for the structure and $660K for the land). Now this is an average for small homes in town on small lots (5,000 sf)... I'm sure that differs in other parts of Oahu (and definitely in other parts of the nation) but the land value to house structure value is definitely much more favorable than a condo. Here in Hawaii an average 1,400 sf condo in the urban core goes for about $1M. The same sized house in town goes for about the same but you own about 5,000 SF of land. In the condo you would own about 400 SF of land or about 8% of the SFH land. The land under the condo averages about $250 SF (which is about double of what the land under a SFH would go for) so of your $1M investment, only 10% of that ($100k) is in land. The rest is arguably in a depreciating asset (which according to my unscientific guess will eventually be worthless). Maintenance fees mostly prevent that depreciation by injecting money into constant upgrades and repairs. But at what point is the building obsolete whether structurally, technologically or safety-wise?

Sorry for the long post but I know there are quite a few real estate investment people on FW. Always good to hear what others think. Sorry I didn't post this in the RE thread... I figured this topic should deserve its own. Please don't flame me if my assumption is wrong!
g: 0 Posted By: RhizzleBop
Views: 138 Replies: 4 I hope this is the right place to post this.I have what I feel is a very strong idea for an app/site.Technology-wise, there is nothing ground breaking about what I want built. But, the overall business idea itself has not been donehow I want to do this.I am meeting next week with a think tank group. They collaborate and work on projects under the community entity of this think tank business. They sometimes work for hire, sometimes they invest their time for a % ownership, sometimes they get investors involved.I asked the owner about signing my NDA, and he said it was possible, not out of the question, but difficult because he can't sign anything that would interfere with other projects he is working on. He said he had to know specifically what IP I wanted to protect in the NDA before he could sign.He said everyone in his organization has signed an honor code which prevents them from taking anyones ideas.As I've thought about this more, and tried to drill down to what is unique enough to protect its gotten difficult. I'm not sure what I have to protect IP wise. People have made apps, people have registered accounts on apps. People have posted offerings on apps, people have communicated between each other on apps. So, I'm not sure what my IP is, other than the summation of all that together for my specific purpose, along with well done marketing to make it go.Am I being way too lax on this? Can I do a simple site schematic writeup on some letterhead and ask him to sign that this specific document is my idea? I have an NDA doc created. It basically says anyone who signs cannot work on any idea discussed. But that was his point. Its vague to say, what was discussed might apply to a piece of something else he is working on, which might infringe on another idea he is working on.Thoughts?I really feel like building the site/app is not earth shattering in and of itself. It'll be the marketing and operating the business that will define its success or failure. So, that makes me think I'm being overly cautious. This isn't the next Twitter. But it could be the next "stronginternet business".
Personal Finance Deals
Amex/Best Buy $30 off $300 possibly targeted?
Added on : Wednesday December 11th 2013 05:00:01 AM
g: 0 Posted By: SpasticCracka
Views: 0 Replies: 0 I got an email this morning from Amex for a one-time statement credit at best buy when you spend $300 total inone or moretransactions by 12/31. The email was explicitly for my blue card; however, I was also able to register my biz plat for the same offer through the website. I was unsuccessful with my SPG personal, and got an error message about this promo being invitation only.

Of note: this promo does not appear in the offers for you tab on the Amex site before or after registering a card, but I did get confirmation emails for the 2 cards I successfully registered. Also seems to be independent of the previous $25 off 250 offer from best buy, as I had already registered and redeemed that one a few weeks ago.

conclusion: targeted offer, may work on more than the explicitly mentioned card, but not all.

Link below, please post success/failure and type of card.

https://enroll.amexnetwork.com/US/en/BestBuyHoliday2013/
g: 0 Posted By: tedhawkins
Views: 71 Replies: 0 Guns - Steel Ruger Mark III & 22/45 Magazine Disconnect Bushing $7.99 + $3.99

http://www.gearhog.com/?did=67160

Deal Overview
This high quality 304 stainless steel bushing is made for high duty cycle shooting and replaces the Ruger factory bushing allowing you to safely remove the Magazine Disconnect from the firearm. There are instructions on the internet showing the use of washers and other parts. This is unreliable and unsafe! Use an actual part that is designed for the job. This lets the hammer move properly and at the correct speed. You will be pleased with the fit and final result with this bushing. If you know how to clean this gun you can easily remove the disconnect. Removing the disconnect allows the magazines to fall free, allows them to seat properly and does allow the gun to fire with the magazine out for tactical competition and self-defense scenarios.


- Magazines will slip right out
- Easier takedown and cleaning
- Reduces fail to feeds
- No change in trigger response or function
- Check to see if your state requires the magazine disconnect.


Supported Model List:

MKIII -ALL MODELS!
- MKIII 22-45
- MKIII 22-45 Competition
- MKIII 22-45 Government Target
- MKIII 22-45 Target
- MKIII Competition
- MKIII Government Target
- MKIII Target
- MKIII LITE
- MKIII Hunter

Feature: B1
- Stainless Steel
- Works on all Models of Ruger Mark III and 22/45
- Easy Install


Guns & Ammo Deals
Social Security Analysis: Return on Investment
Added on : Monday December 09th 2013 06:00:14 AM
g: 0 Posted By: EricGo07
Views: 26 Replies: 0 Hi folks,

I was interested in knowing what fraction of my payments into SS are returned as a benefit. I assumed that I would start taking benefits at the 'full' retirement age of 67, and die 15 years later.
SS is set up in a fashion that returns less benefits per dollar contributed as the lifetime average real wage increases (AMIE) based on 35 years of work.

This graph is per worker, and does not account for spousal benefit. 'ROI' is used loosely, to mean what fraction of money paid into the system is returned during the lifetime of benefits.
If I fail to show the graph, here is the link to a Google Doc.Please do not change data. And if possible, please refrain from politics.


General Economics Deals
g: -1 Posted By: MrsF
Views: 778 Replies: 0 Amazon : Light Keeper PRO 01201 The Complete Tool for Fixing Miniature Light Sets - $19.31

http://www.amazon.com/Keeper-01201-Complete-Fixing-Miniature/dp/B000R8KBOK/

All-in-One Multi Function Light Tester; Features make it easier to fix mini lights sets
Features include Quick Fix Trigger, LED Head Light, Audible Continuity Detector, 3-way bulb puller, bulb and fuse tester, a storage compartment and 3 1.5-Volt batteries are included
Simply plug. Click. Fix; Fixes most light sets in seconds by addressing the damaged bulb at the plug or at the bulb socket
Defective bulb shunts cause most light set failures
The Light keeper Pro is intended for the repair of Holiday Miniature Light based sets only; Check Light Manufacturer's instructions before use

Home & Garden Deals

Amazon Coupons
g: 0 Posted By: MrsF
Views: 215 Replies: 0 Amazon : Light Keeper PRO 01201 The Complete Tool for Fixing Miniature Light Sets - $19.09

http://www.amazon.com/Keeper-01201-Complete-Fixing-Miniature/dp/B000R8KBOK/

All-in-One Multi Function Light Tester; Features make it easier to fix mini lights sets
Features include Quick Fix Trigger, LED Head Light, Audible Continuity Detector, 3-way bulb puller, bulb and fuse tester, a storage compartment and 3 1.5-Volt batteries are included
Simply plug. Click. Fix; Fixes most light sets in seconds by addressing the damaged bulb at the plug or at the bulb socket
Defective bulb shunts cause most light set failures
The Light keeper Pro is intended for the repair of Holiday Miniature Light based sets only; Check Light Manufacturer's instructions before use

Home & Garden Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 105 Replies: 0 http://www.amazon.com/Heal-Your-Essences-Janine-Thorp-ebook/dp/B00F3KCZ5A

This book gives you an innovative approach to healing your life, and to moving out of pain and into freedom. It describes how you can connect with these unique channelled essences to give you access to their frequencies, and gives you a step-by-step guide to how they can help you to move through and clear any issue that is going on for you in your life.

This book is for anyone who would love to have a simple self-supporting system that they can use whenever they want to, that can help in every area of their life, and for anyone who just enjoys exploring and expanding their awareness and consciousness of who they really are.


Also free at the time of posting:

Life Can Be a Miracle [Kindle Edition]
http://www.amazon.com/Life-Can-Miracle-Ivinela-Samuilova-ebook/d...

'Life Can Be a Miracle' is possibly the most unexpected course in miracles (in a novel) you may encounter. The book comes from one of the enigmatic parts of the world: the Balkans, and particularly from the oldest and rather mysterious country there, Bulgaria. Like the unique asymmetric rhythms of Bulgarian music that astonish Western even temperament, the approach to reality this book offers may shake up your structured, algorithmic and perhaps boring or ineffective approach to life. 'Life Can Be a Miracle' brings an unusually optimistic breath of fresh air, as warm as a Balkan summer, to our way of perceiving reality. This is the right book for readers who want a fresh take on reality, who do not take themselves too seriously and who would like to explore new and different ways to relate to themselves and to the world -- not as alien and hostile subjects, but rather as allies who share and exchange extraordinary resources in surprising ways. How can a tiny piece of blue cheese lead you to your ultimate life purpose, removing all the barriers you have built against a joyful, fulfilled, miraculous life? This and many more incredibly fun and easy-to-apply techniques can be found in this fascinating, original and inspiring novel.


Pathways To Paradise: 12 Selective Principles for Building Long-Term Success and Personal Development [Kindle Edition]
http://www.amazon.com/Pathways-Paradise-Selective-Principles-Development-ebook/dp/B00GF64N92

Scott Allan's Pathways to Paradise introduces twelve strategic principles for building long-term success and personal achievement. The topics cover a wide range of concepts from mastering self-discipline to building a goals portfolio; priority action planning to constructing the Master Dream for your life. The principles featured in this book can be applied today to create the success you have always dreamed of having.
Designed to empower and motivate you to reach higher levels of effectiveness and success, Pathways to Paradise cultivates a blend of modern day philosophy with straightforward practical advice to help you achieve success in your personal and professional life.

In this book you will learn to:

Define your lifes purpose
Deal with the trauma of past events
Cultivate self-discipline into your daily life
Handle failure more effectively
Create a system of motivating goals
Achieve your dreams through defining the Master Dream
Organize your daily life through establish priority tasks
Improve your saving and spending habits
Learn to eat better and live a healthier lifestyle


The Universe Doesn't Give a Flying F***k About You (Epic series) [Kindle Edition]
http://www.amazon.com/Universe-Doesnt-Flying-About-ebook/dp/B005...

If you walk around every day on eggshells, nervous about making a mistake or looking stupid, then you should read this.
If you have a "next big thing" in mind you want to do because you know it will be awesome (starting the business, making the big move, launching the nonprofit, writing the book) but are afraid of doing what it would take to make that thing happen, then you should read this.
The universe is very big. You are very small. In fact, you're so small and so insignificant in the big picture that you don't even register to the eye of the cosmos. The universe was here before you were born and will be here long after you're gone, and your life is but a blip on its vast, vast radar. If your life is to matter, it's not going to matter to the universe. It's up to you make your life matter in the only way you can: by doing things that make a difference to you, to those around you, and to those whose lives you touch. Time is short. You have exactly NOW to do whatever it is you're here to do, or to let the inexorable passage of hours and days and years kill your potential like fruit left to die on a vine.
The universe doesnt hate you, but it doesnt love you, either. Youre just an atom in its infinite workings. The universe doesnt care if you live, die, suffer, or thrive. Whatever your life here will mean is up to you.
Stop worrying so much about what others think and start being who you're supposed to be. It's time to do some epic shit.


The Heart of Abundance: A Simple Guide to Appreciating and Enjoying Life [Kindle Edition]
http://www.amazon.com/The-Heart-Abundance-Appreciating-ebook/dp/B00472O6I4

The Heart of Abundance is a free best of collection. Discover more abundance, encouragement, and simplicity in your life. Quotes, meditations, prayers, and instant inspiration help you create a life you enjoy and enjoy the life you have. New second edition features additional excerpts and material from new books by Candy Paull.
This inspirational guide reminds you that life can be good, no matter what challenges you may be facing right now. Be present, see the divine at work in all circumstances, and experience ordinary life as sacred. Learn to practice the art of abundance as a form of spiritual awareness based in gratitude.


How to Make Great Things Happen in YOUR LIFE - A sincere and proven approach to lasting happiness and success [Kindle Edition]
http://www.amazon.com/Make-Great-Things-Happen-ebook/dp/B00AVRI09A

What are great things in life? Money? Good health? Good relationships? Happiness? Yes, of course. And this book is about these topics. But what if the next global financial crisis makes your job and your money disappear? What if you are no longer as healthy as you would like to be? What if an important relationship becomes complicated? What if happiness seems a distant memory? In other words: what if these things turn against you? And what if as a consequence you think the whole world is against you? What then?
This book invites you to a journey that has a lot to do with the way you see and live your life: the way you think about life and the world you live in. After that journey if you took your time and paid attention nothing will be the same. Great things will happen in your life BECAUSE YOU MAKE THEM HAPPEN. Enjoy the trip!
The book also contains information about how readers who are interested in how to lose weight after all else has failed, can obtain a free preview copy of the author's new book "Quit the Club of Overeaters"


Books Deals

Amazon Coupons
g: -28 Posted By: medion
Views: 3053 Replies: 26 I apologize, but this may be a bit long winded. Here's the full story. I'm also not going to name the company involved, as I'm not interested in dragging a company name through the mud with this post.

My initial purchase was in May 2012. I purchased an audio amplifier from an online store that also has their own store-brand equipment. As such, you go through the store not only for returns/exchanges (45-day limit), but also for warranty service (1-year limit). This amplifier died in September 2013, more than one year after purchase. I didn't want to blow another $100 on a replacement amp unless I had to, so I decided to ask them how much it would cost me to have it repaired. I was pretty much dead set on <$50 = repair, and >$50 meant paying $90 for a better amp off Amazon, but I didn't tell them that.

I was shocked when they came back and said they'd do a courtesy replacement, and all that I had to do was mail it to them at my expense (roughly $15). They then clarified that the "replacement" would be a refund of $90, issued as a store credit towards any purchase. The same $90 amp on Amazon was $130 through these guys, so I figured between the extra cost and the one-way shipping, I'm paying $55 instead of $90. So, I clarified with them, stating that the credit card used in the May 2012 purchase has since been closed. They once again reiterated via email that the credit would be store-credit used towards my next purchase.

A week goes by and I've since received a store credit via email, but it doesn't reflect online. So, I called them and the rep stated that the store credit doesn't show up, but will be applied after purchase. So, I ordered online and paid my $130. However, once my CC was charged, I had to call them again. This time they told me that the store credit could only be used for phone orders, not online, and that the previous rep has mislead me (actually, they said that I had lied).We switched to email correspondence, and they promised to issue the credit towards the credit card used for purchase. I once again clarified that my original CC was closed, and she stated that they would refund the card used for my most recent purchase. They said to allow 7 days for this to process.

I waited 8 days (even though these things usually take 2-3 business days), and no refund, so I called them. They informed me that the refund had in fact been issued to the old credit card. There was nothing more that they would/could do and that I was SOL, but I could try calling the issuing bank. I did in fact call the issuing bank, but the card was closed just short of a year ago. We argued and I stated that if they had accepted the refund, they were obligated to give it to the intended recipient, or return it to the refunder due to account closure (no legal citation, just me trying to sound smart). that seemed to work, so they cut mea check. They wanted to charge me a $4.95 processing fee, which I convinced them to waive. So, in the end, I did get my money back.

However, I have a VERY stale taste in my mouth from the bait and switch from the online electronics company. They came forward with an amazing offer, but botched it every step of the way. At one point near the end, their rep even said, "But we gave you an offer that we didn't have to. That should count for something!" It doesn't count if it was a bait and switch. So, as for the chargeback, I'm leaning 75/25 towards not doing it on the prinicipal that I did in fact get my money back. I only want to do it to hit them for their negligence so that they see a penatly for handling transactions in this manner. So, this thread is primairly for me to see other viewpoints and to see if my mind can be changed.

Also, keep in mind that I saved the email trail. At every step of the way there is email confirmation of what they promised to do, followed by them stating that they failed to do it, how they'd fix it, followed by another failure (rinse and repeat). The email trail makes it look like a refund was promised but never given, and can easily be printed and used for the CB.
Personal Finance Deals
Free kindle Book- Made to Last (Where Love Begins Book #1) Was $13.99
Added on : Tuesday December 03rd 2013 07:00:03 AM
g: 0 Posted By: remick
Views: 60 Replies: 0 http://www.amazon.com/Made-Last-Where-Love-Begins-ebook/dp/B00CIUJYVG

4.5 out of 5 stars with 107 reviews

Miranda Woodruff has it all. At least, that's how it looks when she's starring in her homebuilding television show, From the Ground Up. So when her network begins to talk about making cuts, she'll do anything to boost ratings and save her show--even if it means pretending to be married to a man who's definitely not the fiance who ran out on her three years ago.

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Books Deals

Amazon Coupons
Free Starbucks $5 card when buying a Red Cup eGift Card with Visa
Added on : Sunday December 01st 2013 03:00:04 PM
g: 1 Posted By: JHFATWALLET
Views: 92 Replies: 0 Buy a Red Cup eCard and get $5 free if paid via Visa. Read terms.


Link:
https://www.starbucks.com/shop/card/egift/red-cup

Terms:
~~How to ParticipateTake the following steps during the Promotion Period to receive a Promotional Gift:
1.First, visit https://starbucks.com/shop/egift and log-in with your registered Starbucks account. If you do not have a Starbucks account (Account), you can create one at www.starbucks.com. You will need internet access to complete this step.
2.Second, purchase a red cup Starbucks Card eGift for a friend or family member using your Visa card. You must use a unique email address and a unique Visa account number when you purchase the eGift. You cannot purchase an eGift for yourself.You are only eligible to receive one Promotional Gift if you buy a red cup Starbucks Card eGift with a valid Visa card, send it to someone else, and otherwise meet these promotional offer requirements. You are not eligible for the Promotional Gift if you send the red cup eGift to yourself.If you are one of the first 75,000 people during the Promotion Period to complete steps 1-2 above and meet these promotional offer requirements, you will receive a Promotional Gift. YOU ARE NOT GUARANTEED TO RECEIVE A PROMOTIONAL GIFT. Qualifying customers will receive their $5 Promotional Gift via email at the address tied to your Starbucks account. Follow the directions in your email to redeem your Promotional Gift. Valid e-mail address required. Promotional Gifts not redeemed or claimed, or returned as non-deliverable, will not be re-sent. Starbucks will not be responsible for any late, lost, misrouted, or non-delivered e-mails, or other computer- or communications-related failures, caused by events beyond the reasonable control of Starbucks. Visa and its client financial institutions have not sponsored or offered this promotion program in any way.
Gifts Deals

Starbucks Store Coupons
Office Depot rebate software for the week of 12/01/2013 (2-$5AR titles)
Added on : Friday November 29th 2013 06:00:08 PM
g: 0 Posted By: bpvh
Views: 140 Replies: 0 Office Depot rebate software for the week of 12/01/2013 (2-$5AR titles)


WebEasy Professional [485-613] $49.99
$4.99 After $35 Mfr. Mail-In & $10 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

Business Card Factory Deluxe [436-893] $29.99
$4.99 After $15 Mfr. Mail-In & $10 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.


DETAILS TO FOLLOW


There are also several titles $11.99 after $30 rebates:
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
--- My Invoices & Estimates Deluxe
--- Bookkeeper
--- MyAttorney Home & Business


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

****ALERT ON SYMANTEC/NORTON REBATES****

Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================

The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK

====================
Software Deals

Office Depot Coupons
50% off BF sale. AIDA64 software, better than Belarc Advisor
Added on : Friday November 29th 2013 01:00:08 PM
g: 0 Posted By: fkebay
Views: 225 Replies: 0 AIDA64 BF sale. 50% off. Regular $39.99 for a 1 year license, now half off.
Up to a 3 year license, regular $79.99, for half off.

BF Coupon Code: BLACK2013

Honestly I like/use both AIDA64 and Belarc Advisor.
But since more people might be familiar with Belarc Advisor, I threw that into the title to give folks an idea of what AIDA64 is.

AIDA64 tells you almost EVERY possible detail about your computer.

It goes into extreme detail too. Monitors over 250 sensor readings about your computer. Temperature, voltages, and more.

Example: Want to know what memory is in your PC. It can tell you about each module, in each DIMM slot. Info such as: speed, latency, manufacturer. Even the serial number of each DIMM module.

Example 2: The CPU. The temperature of each core. The temp of each hard dive.

Plus Stress Testing, benchmarks and much, much more!

link
BF Coupon Code: BLACK2013

AIDA64 Extreme is a streamlined Windows diagnostic and benchmarking software for home users.
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AIDA64 is compatible with all current 32-bit and 64-bit Microsoft Windows operating systems, including Windows 8.1 and Windows Server 2012 R2.

CPU, memory and disk benchmarksAIDA64 implements a set of 64-bit benchmarks to measure how fast the computer performs various data processing tasks and mathematical calculations.

Memory and cache benchmarks are available to analyze system RAM bandwidth and latency.

Processor benchmarks utilize MMX, SSE, XOP, FMA, AVX and AVX2 instructions, and scale up to 128 processor threads.

For legacy processors all benchmarks are available in 32-bit version as well.

AIDA64 Disk Benchmark
determines the data transfer speed of hard disk drives, solid-state drives, optical drives, and flash memory based devices.

System stress testing
AIDA64 System Stability Test uses a 64-bit multi-threaded stress testing module to drive the computer to its absolute limits.
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Hard disk, SSD and OpenCL GPGPU video adapter stress testing is also available.

Temperature, voltage and cooling fan monitoring
AIDA64 supports over 250 various sensor devices to measure temperatures, voltages, fan speeds, and power draw.
Measured values can be displayed on System Tray icons, OSD panel, Desktop Gadget, Logitech G15/G19 Gaming Keyboard LCD, and Razer SwitchBlade LCD.
The values can also be logged to file or exported to external applications such as RivaTuner or Samurai. AIDA64 can also alarm the user when it detects overheating, over-voltage, or cooling fan failure.

Hardware diagnostics
AIDA64 has the most accurate hardware detection capabilities in its class, to provide detailed information on the computer internals without the need to open it up.
The hardware detection module is strengthened by an exhaustive hardware database holding over 160,000 entries.
Additional modules are available to overview processor frequencies, check CRT and LCD display status, and stress the system to reveal potential hardware failures and thermal issues.

Software and operating system analysis
AIDA64 provides over 50 pages of information on installed programs, software licenses, security applications, and Windows settings.
List of started processes, services, DLL files, startup programs, and visited web pages is also available.

Don't forget................... BF Coupon Code: BLACK2013
Software Deals
g: 0 Posted By: Danzilla
Views: 123 Replies: 0 EDIT: Just saw the 'quality refurished' tag... about 10 seconds AFTER posting this deal. Still not terrible, but not what I thought it was.

Tiger Direct has the MSI 7870 2GB card for $149.99 - 2x$10 rebates, shipped free. Add a filler (also shipped free if possible) and check out with V.Me to get $30 off $150 purchase. This puts the total around $100 after rebate.

http://www.tigerdirect.com/applications/SearchTools/item-details...

Some people have reported having problems getting the V.Me discount to show up. If all else fails, try creating a new V.Me account.

Happy Black Friday!
Video Cards Deals

Tiger Direct Coupons
g: 1 Posted By: DaysFan
Views: 210 Replies: 0 Online only! FREE Bloom Print 10pc Gift w/any Ulta.com $40 purchase
linked
Item #: 2253382$40.00
To receive your FREE gift:

Add the gift to your basket. A retail of $40 will show in your basket.
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Failure to add $40 of merchandise to your basket will result in $40 charge for the value of the samples. Not available in Ulta stores. Cannot be redeemed for cash, exchanged or applied to previous purchases. Limited to one per household. Online only. Offer starts 11-28-13 7pm. Offer is valid while supplies last. Merchandise excludes shipping and handling charges, gift card, sales tax and gift wrap.http://www.ulta.com/ulta/browse/specialOffers.jsp

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http://www.ulta.com/# http://www.ulta.com/#

Free shipping with a $25 purchase
code: JINGLE13

http://www.ulta.com/
Health & Beauty Deals

ULTA Coupons
3 FREE GAS CARDS w/ Codes of Energizer Batteries - Expires 08/30/14
Added on : Wednesday November 27th 2013 03:00:06 PM
g: 0 Posted By: BigBoyMichigan
Views: 304 Replies: 0 $8.00 Gas Reward MasterCard*

get more miles on usget an$8.00 Gas Reward MasterCard Gas Card!* when you collect THREE (3) codes from specially marked packs ofEnergizerBrand batteries and redeem codes online. Valid only through 8/30/14.* Gift Card valid on any gas or non-gas purchase,


LIMIT: MAXIMUM TOTAL OF THREE (3) REWARD CARDSPER PERSON / HOUSEHOLD / E-MAIL ADDRESS.


http://www.energizerpumpupthepower.com/



Energizer Battery
Pump Up The Power $8.00 Gas Reward MasterCard Card Offer
MasterCard Debit Card Valid on Any Purchase

Terms and Conditions
Internet access is required to participate in this Offer.To participate in the Energizer Battery, Inc. Pump Up The Power $8.00 Gas Reward,MasterCard Card Offer (Offer), purchase specially marked packages of Energizer Brand battery products between April 1, 2013 and August 30, 2014, while supplies last. Look inside each participating package for your unique code/codes (Code). Three (3) Codes are required to redeem a Pump Up The Power $8 Gas Reward MasterCard ,Debit Card (Reward Card). Reward Cards are valid for any purchase at retailersaccepting MasterCard debit cards.

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Energizer MAX batteries, AAA-8
Energizer Advanced Lithium batteries, AA-4

The following specially marked packages contain two (2) Codes:
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Offer begins April 1, 2013 at 12:00:01 a.m. ET and ends August 30, 2014 at 11:59:59
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Gifts Deals
Considering issuing a chargeback on a purchase, requesting your insight
Added on : Monday November 25th 2013 04:00:09 AM
g: 1 Posted By: medion
Views: 100 Replies: 1 TLDR: If you don't want to comment, use the red/green to vote.
Green = stay the course, don't do the CB
Red = you're wrong, do the CB

I apologize, but this may be a bit long winded. Here's the full story. I'm also not going to name the company involved, as I'm not interested in dragging a company name through the mud with this post.

My initial purchase was in May 2012. I purchased an audio amplifier from an online store that also has their own store-brand equipment. As such, you go through the store not only for returns/exchanges (45-day limit), but also for warranty service (1-year limit). This amplifier died in September 2013, more than one year after purchase. I didn't want to blow another $100 on a replacement amp unless I had to, so I decided to ask them how much it would cost me to have it repaired. I was pretty much dead set on <$50 = repair, and >$50 meant paying $90 for a better amp off Amazon, but I didn't tell them that.

I was shocked when they came back and said they'd do a courtesy replacement, and all that I had to do was mail it to them at my expense (roughly $15). They then clarified that the "replacement" would be a refund of $90, issued as a store credit towards any purchase. The same $90 amp on Amazon was $130 through these guys, so I figured between the extra cost and the one-way shipping, I'm paying $55 instead of $90. So, I clarified with them, stating that the credit card used in the May 2012 purchase has since been closed. They once again reiterated via email that the credit would be store-credit used towards my next purchase.

A week goes by and I've since received a store credit via email, but it doesn't reflect online. So, I called them and the rep stated that the store credit doesn't show up, but will be applied after purchase. So, I ordered online and paid my $130. However, once my CC was charged, I had to call them again. This time they told me that the store credit could only be used for phone orders, not online, and that the previous rep has mislead me (actually, they said that I had lied).We switched to email correspondence, and they promised to issue the credit towards the credit card used for purchase. I once again clarified that my original CC was closed, and she stated that they would refund the card used for my most recent purchase. They said to allow 7 days for this to process.

I waited 8 days (even though these things usually take 2-3 business days), and no refund, so I called them. They informed me that the refund had in fact been issued to the old credit card. There was nothing more that they would/could do and that I was SOL, but I could try calling the issuing bank. I did in fact call the issuing bank, but the card was closed just short of a year ago. We argued and I stated that if they had accepted the refund, they were obligated to give it to the intended recipient, or return it to the refunder due to account closure (no legal citation, just me trying to sound smart). that seemed to work, so they cut mea check. They wanted to charge me a $4.95 processing fee, which I convinced them to waive. So, in the end, I did get my money back.

However, I have a VERY stale taste in my mouth from the bait and switch from the online electronics company. They came forward with an amazing offer, but botched it every step of the way. At one point near the end, their rep even said, "But we gave you an offer that we didn't have to. That should count for something!" It doesn't count if it was a bait and switch. So, as for the chargeback, I'm leaning 75/25 towards not doing it on the prinicipal that I did in fact get my money back. I only want to do it to hit them for their negligence so that they see a penatly for handling transactions in this manner. So, this thread is primairly for me to see other viewpoints and to see if my mind can be changed.

Also, keep in mind that I saved the email trail. At every step of the way there is email confirmation of what they promised to do, followed by them stating that they failed to do it, how they'd fix it, followed by another failure (rinse and repeat). The email trail makes it look like a refund was promised but never given, and can easily be printed and used for the CB.
Personal Finance Deals
Free Kindle Book- Wounded Women of the Bible (was $12.99)
Added on : Monday November 25th 2013 01:00:05 AM
g: 0 Posted By: remick
Views: 164 Replies: 0 http://www.amazon.com/Wounded-Women-Bible-Dena-Dyer-ebook/dp/B00F6445VA

4.6 our of 5 stars with 27 reviews

Imploding relationships, incapacitating losses, injurious personal mistakes, or spiritual failureswhatever the issue, the wounds are the same. Whether its a lapse in judgment by Bathsheba or the moral failure of the womens ministry leader in your local church; the spiritual insensitivity of Martha or the compulsive obsessions of your churchs care circle chairwoman; the terror of an abandoned single mother like Hagar or the struggling single mother in your prayer groupthe time and circumstances are different, but the wounds are equally deep and spiritually devastating. Dena Dyer and Tina Samples get it. They have their own stories of pain before healingalong with similar experiences of their families and friends. Offering more than pat affirmations or vicarious shoulders to cry on, Dena and Tina delve deep into the shared emotions and injuries that women of all ages have in commonand move readers toward the recovery and healing that only God can provide. No matter what hurts youve experienced, Wounded Women of the Bible proves that God understands and that healing is not only His intention but His delight!
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Office Depot rebate software for the week of 11/24/2013 (1-FAR and 1-$10AR)
Added on : Saturday November 23rd 2013 07:00:07 PM
g: 0 Posted By: bpvh
Views: 160 Replies: 0 Office Depot rebate software for the week of 11/24/2013 (1-FAR and 1-$10AR)


PhotoImpact Pro 13, Traditional Disc [948245] $83.99 LINK
++ FREE After $4 Instant & $80 in (2) Mfr. Mail-In Savings
$50 standard rebate #601-182 LINK
--- rebate valid from 11/24/2013 through 11/30/2013
--- original Proof of Purchase 1 Emblem (located on the bottom inside flap of the product box)
--- copy of receipt
$30 CONTINUING onbox rebate UTW30 LINK
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
--- copy of receipt
--- original UPC code
--- Registration Card
--- presubmit at usa.novadevelopment.com/support/rebate/Registration.aspx


McAfee Total Protection 2014, For 3 PCs, eCard [106319] $70.99 LINK
++ See McAfee alert below
++ $9.99 After $9 Instant & $61 Mfr. Mail-In Savings
$61 standard rebate #13-78545 LINK
--- paid via prepaid Visa card
--- rebate valid from 11/24/2013 through 11/30/2013
--- original UPC code (731944645308)
--- copy of receipt
++ McAfee rebates generally can be pre-submitted at www.mcafeerebates.com


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

****ALERT ON SYMANTEC/NORTON REBATES****

Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================

The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK

====================
Software Deals

Office Depot Coupons
My Credit Card Rejected Purchase of Vanilla Reload
Added on : Thursday November 21st 2013 12:00:06 AM
g: 0 Posted By: hermosatrout5
Views: 15 Replies: 0 I tried to buy a VR last night at CVS and the transaction was rejected by my Citi AAdvantage card.
I am relatively new to this forum so be gentle if this is something that has repeatedly been discussed. I did try to search for an answer before I posted a new subject.
From posted information and asking a few questions here on FW, I am doing my first CC churn.

Anyway, I'm trying to get the minimum spend on the AAdvantage card. I've been using it all over town for gas, groceries, restaurants, etc starting Oct 29th.
So far I have purchased two VR's at the CVS without any problem.
Tonight the guy behind the counter insisted on doing two transactions. The first transaction was for the misc stuff. Then a separate transaction for the VR card. He tried to charge the VR card twice and it failed both times.

I have a 6606.04 credit line and current balance is1,803.66

Could you guys please give some advice here?


Question Deals
g: 0 Posted By: remick
Views: 77 Replies: 0 http://www.amazon.com/Athlepreneurs-Lessons-Athletes-Business-Champion-ebook/dp/B00GM7V9J6

Do you have a business idea but no clue on where to start?
Feel overwhelmed just by thinking on all tasks between you and your dream business?
Have you ever given up because you were too afraid to fail as an entrepreneur?
If you answered yes to one of these questions, this book is for you.

Successful ENTREPRENEURS are like elite ATHLETES.
They are ATHLEPRENEURS. And you can be one!

This book will guide you to think about your business idea the same way top athletes do. They started with a dream and planned every step on their journey to winning the gold medal. They accomplished one task at a time and saw their dream becoming reality. In 8 lessons you will learn the most important areas of new businesses, each packed with inspiring stories from athletes, examples and exercises:

validate your business idea
learn how to build golden partnerships
prepare you offer (products & services)
define your ideal customer
learn how to manage a strong visual identity (name, logo and more!)
create realistic sales goals
define your marketing calendar
Business Plan: do the exercises and have the plan ready when you finish reading the book!

Start now on the journey to winning your gold medal in business!
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g: -1 Posted By: remick
Views: 241 Replies: 0 http://www.amazon.com/dp/B007BLO6GU

3 indispensable insiders guides to entrepreneurship: powerful skills, insights, and confidence-builders you wont find anywhere else!

Three books bring together todays most indispensable lessons for entrepreneurs: specific guidance you can use right now to beat the odds and launch a high-profit, high-growth business that lasts! The Truth About Starting a Business reveals 53 bite-size, easy-to-use techniques for choosing the right business, location, and entry strategy planning, funding, hiring, and executing a successful launch implementing effective financial management and marketing doing all that, and still maintaining a healthy personal life! So, You Want to Start a Business?: 8 Steps to Take Before Making the Leap gives you all the knowledge, tools, and hands-on advice you need to avoid 8 killer mistakes that cause most business failures. Unlike most books for entrepreneurs, this one focuses on the most Crucial operational issues associated with consistent profitability from product/service design to pricing, finding and keeping great employees to managing growth. Nothing theoretical here: this is fast-paced, 100% practical advice you can use right now. Finally, Whats Stopping You?: Shatter the 9 Most Common Myths Keeping You from Starting Your Own Business helps you get past the myths that keep potential entrepreneurs from making the leap, and gain all the practical skills and confidence you need to succeed. This books packed with case studies of ordinary people building great businesses and practical techniques you can use, too every step of the way!

From world-renowned leaders and experts, including Bruce Barringer, Edward D. Hess, Charles D. Goetz, and R. Duane Ireland
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Amazon Coupons
g: 1 Posted By: remick
Views: 326 Replies: 0 http://www.amazon.com/Basic-Freshwater-Fishing-Step---Step-ebook/dp/B004A16LBW

Hauptman provides step-by-step instructions on basic methods and equipment for beginner fishermen. Expert advice on all types of tackle for baitcasting, spinning, spincasting, flycasting-and the most popular species-panfish, gamefish, trout.

also:

How To Ice Fish: Ice Fishing Tips & Stories: Gear, Shelters & Safety - Limited Edition
http://www.amazon.com/How-To-Ice-Fish-ebook/dp/B006K8TWA0


Year of the Spider
http://www.amazon.com/Year-Spider-Philip-Storey-ebook/dp/B00GKX52K4

Journalist, author and unrepentant trout bum Philip Storey spends the summer on an urban river in the North-East of England fishing with centuries-old spider patterns. These are the flies that have stood the test of time and still work today. Year of the spider contains images and tying instructions for possibly the simplest to make flies you will find, along with a detailed diary recording the conditions (temperature, humidity, wind, air pressure, river height etc) in which they were successful along with lots of fish pictures taken one-handed and at odd angles. This is more than just a fishing guide or a how-to manual; Year of the Spider takes the mystery out of fly fishing and selects nine, easy to tie flies that will carry you right through the season catching fish all the way. And for anyone wondering if North Country spider patterns only work in the North of England, heres what TE Pritt had to say on the subject:
The originals, or others like them, have done service on half the rivers and lakes of England and Scotland, and have never failed to give a satisfactory account of themselves, despite the lugubrious warnings of local hands that they were no use there. You will be told this probably on every new river visited; yet may you safely fish Yorkshire flies and laugh to scorn the dismal prophecies of anglers who believe that the trout in their own river differ in their choice of flies from those of any other river in the universe.
Books Deals

Amazon Coupons
Free Kindle Book- Basic Freshwater Fishing (was $21.95)
Added on : Sunday November 17th 2013 02:00:04 AM
g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.amazon.com/Basic-Freshwater-Fishing-Step---Step-ebook/dp/B004A16LBW

Hauptman provides step-by-step instructions on basic methods and equipment for beginner fishermen. Expert advice on all types of tackle for baitcasting, spinning, spincasting, flycasting-and the most popular species-panfish, gamefish, trout.

also:

How To Ice Fish: Ice Fishing Tips & Stories: Gear, Shelters & Safety - Limited Edition
http://www.amazon.com/How-To-Ice-Fish-ebook/dp/B006K8TWA0


Year of the Spider
http://www.amazon.com/Year-Spider-Philip-Storey-ebook/dp/B00GKX52K4

Journalist, author and unrepentant trout bum Philip Storey spends the summer on an urban river in the North-East of England fishing with centuries-old spider patterns. These are the flies that have stood the test of time and still work today. Year of the spider contains images and tying instructions for possibly the simplest to make flies you will find, along with a detailed diary recording the conditions (temperature, humidity, wind, air pressure, river height etc) in which they were successful along with lots of fish pictures taken one-handed and at odd angles. This is more than just a fishing guide or a how-to manual; Year of the Spider takes the mystery out of fly fishing and selects nine, easy to tie flies that will carry you right through the season catching fish all the way. And for anyone wondering if North Country spider patterns only work in the North of England, heres what TE Pritt had to say on the subject:
The originals, or others like them, have done service on half the rivers and lakes of England and Scotland, and have never failed to give a satisfactory account of themselves, despite the lugubrious warnings of local hands that they were no use there. You will be told this probably on every new river visited; yet may you safely fish Yorkshire flies and laugh to scorn the dismal prophecies of anglers who believe that the trout in their own river differ in their choice of flies from those of any other river in the universe.
Books Deals

Amazon Coupons
Woman Facing $3,500 Credit Report Deficiency For Posting Online Review
Added on : Friday November 15th 2013 04:00:06 PM
g: -1 Posted By: robronson
Views: 242 Replies: 2 A company, who's name I shall not utter for risk of receiving similar treatment, has placed a $3,500 fine against a customer who wrote a negative online review after the company failed to ship her order. This company then placed a $3,500 negative deficiency against her credit report and she's lost credit cards for it. According to the company, they have in their TOS that if you place a negative comment about the company, they can fine you $3,500. This company is now finding out how the internet works. Here's the story from Slash Dot for more specifics:

http://news.slashdot.org/story/13/11/15/1934256/woman-facing-350...
Discussion Deals
Stores open on Thanksgiving to begin the sales for Black Friday
Added on : Wednesday November 13th 2013 02:00:04 PM
g: 0 Posted By: Ayla
Views: 252 Replies: 2 I was at a site, and found this information, and thought I would share, if anyone has more information, for other stores, please feel free to add the information. If I find more, I will edit and add.

1. WalMartThanksgiving day opening: Specials begin at 6:00 p.m. and 8:00 p.m. (Many stores open 24 hrs.)Wal-Mart Stores posted more than $328 billion in retail sales at its more than 4,500 U.S. stores last year. Overall, WalMart's sales were greater than the seven other retailers on this list combined. But with Thanksgiving falling on November 28, later than in most years, and consumer budgets expected to be tight, the retail giant moved its opening hours earlier in an attempt to capture sales. WalMart also pushed up the start of its online annual holiday deals by one month, to early November.

2. TargetThanksgiving day opening: 8:00 p.m.Target plans to open stores at 8 p.m. on Thanksgiving, an hour earlier than last year. The stores will remain open all night and close on Black Friday at 11 p.m. However, Target had limited success on Black Friday last year. According to Placed, a location analytics firm, Target failed to match the performance of other top retailers on this critical shopping day. This year, the chain also plans to offer Thanksgiving deals to online shoppers and lead up to the Thanksgiving opening hour with a special online-only promotion of 15 daily discounts. The online promotion will last two weeks. In 2012, Target's 1,778 stores had revenues of nearly $72 billion, more than 5% more than the prior year.

3. Best BuyThanksgiving day opening: 6:00 p.m.Best Buy announced last week that more than 1,000 stores will be open all night on Thanksgiving, starting at 6 p.m., and close on Friday at 10 p.m. Best Buy's U.S. sales totaled $34.4 billion in 2012, an increase of just 1.1% from the prior year. In recent years, the consumer electronics retailer has been has lost sales to online retailers. While traffic at the stores may have remained the same, many customers simply used the stores to test products before buying them at Amazon.com or other e-commerce sites, a phenomenon called "showrooming." This year the company is embracing its showroom reputation and hopes to boost sales by bringing in additional foot traffic. Best Buy also said that it would lead up to Thanksgiving with special offers for rewards card members in the days before the holiday.

4. SearsThanksgiving day opening: 8:00 p.m. at Sears stores and 6:00 a.m. at Kmart StoresSears Holdings will open its Sears stores at 8 p.m. on Thanksgiving. The stores will remain open until 10 p.m. on Black Friday. At its Kmart stores, the shopping season will get an even earlier start. Kmart stores will open at 6 a.m. on Thanksgiving morning and remain open for 41 hours, until 11 p.m. Friday night.

5. Macy'sThanksgiving day opening: 8:00 p.m.Macy's stores will open on Thanksgiving for the first time in the company's history, and they will stay open through Black Friday evening. The company's chief stores officer noted that it was time for Macy's to join "the fun and excitement" of the Black Friday shopping spree. The company already had a significant presence on Thanksgiving, however. Macy's has sponsored the Macy's Thanksgiving Day Parade in New York since the 1920s. Last year, Macy's posted U.S. sales of about $27 billion in 2012, up 5% over 2011 sales.

6. Kohl'sThanksgiving day opening: 8:00 p.m.Most Kohl's stores will open Thursday evening at 8 p.m. and close again at midnight on Black Friday. This is the store's earliest ever Thanksgiving opening. The company is offering more than 500 online deals beginning on the Tuesday before Thanksgiving. Kohl's called the Black Friday shopping frenzy a "much-anticipated tradition enjoyed with family and friends" sort of like Thanksgiving dinner. Kohl's posted U.S. sales of more than $19 billion in 2012, up 2.5% from 2011.

7. J.C. PenneyThanksgiving day opening: 8:00 p.m.J.C. Penney is opening its retail stores a full 10 hours earlier than it opened its stores last year. J.C. Penney posted U.S. sales of about $13 billion in 2012, a drop of nearly 25% from the prior year, and this year's sales are going to be much worse, judging from its performance so far. J.C. Penney cannot afford to stay closed if competitors like Kohl's and Macy's are open. Whether the extended hours will help the struggling retailer at all is questionable. But J.C. Penney already held what it called its "biggest sale ever" in early November. Whether the company chose to launch the sale to clear out old products before Black Friday, or to raise desperately needed cash, has not been disclosed.

8. The GapThanksgiving day opening: 9:00 a.m. at Old Navy storesThe Gap plans to open more than 900 Old Navy stores from 9 a.m. to 4 p.m. on Thanksgiving Day. Additionally, about 700 stores will reopen at 7 p.m. that day and remain open until the end of Black Friday. In order to generate excitement, and compete for consumer dollars during a cutthroat holiday season, Old Navy plans to give away $1 million to one shopper during its Black Friday event. The company has not posted extended Thanksgiving hours for Gap or Banana Republic stores. Gap posted $12 billion in U.S. sales last year, up 5% from 2011.
Home & Garden Deals
g: 11 Posted By: archena
Views: 3860 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Conquer the Entrepreneur's Kryptonite [Kindle Edition] was $9.99

James Woosley (Author)

http://www.amazon.com/dp/B00DSXA41Q

Publication Date: June 13, 2013

8 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Systems & Planning

This is a book for people with ideas.

Do you make plans that never get implemented? Are they overly complicated and fail because you simply can't stop planning until its perfect? Or do you refuse to plan because you care only about getting things done, but end up failing and causing chaos for those closest to you (spouse, partners, teammates, etc.)? Do you end up reworking projects instead of accomplishing your goals?

Let's find the happy middle groundthe sweet spot that combines planning and action! It's sure to be more than scribbles on a napkin, but far less than an overstuffed binder.

What is it that you want to achieve? Whatever it is, its not going to be easy. Not if its something BIG worth doing right.

But it can be made easier, and in doing so, make it look like it was easy to anyone who didnt see the blood and sweat you poured into your idea.

Lets get to work!

About the Author
James Woosley is an underachieveronly because hes constantly expanding his potential by doing something amazing, then immediately striving for moreknowing that his mind, body, and spirit have been stretched to a new level of possibilities.
As a business Coach, consultant, and project manager, James helps people and organizations move ideas from the dreaming and planning stages to full implementation. He sets goals, plans strategically, and makes things happenfor himself and those around him.

Learn more at http://www.WoosleyCoaching.com.
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g: 1 Posted By: remick
Views: 130 Replies: 0 http://www.amazon.com/Brands-Dont-Grow-Trees-Engineering-ebook/dp/B00GJD2KDC

You would only read this book if you are brazen enough to think your message has a right to be heard in the marketplace. And that means you need to take another look beneath the ice-berg because frankly - snappy branding just doesnt cut it anymore.
Have you ever wondered what it takes for every part of your business to stay on brand? How many more times must you remind your team (and sometimes yourself) that going through the motions is not the same as delivering on the brand promise. Disappointing customers with generic service just because you have other things to get done or increases in loss of market share because of a weak brand message. Or poor business structures that fail miserably to amplify your brand.
Suddenly you begin to notice that being a brand is more than just a clever logo and for the first time you realize that your business if failing your brand.
If only you knew how to prevent your business from ruining your brand.
You are certainly not alone. Most leaders, whether in small business, not for profit or private practice wrongly attempt to understand first the science of business when instead they should concentrate on building an artful brand.
Brands Dont Grow on Trees is a vibrant business conversation that unites two seemingly opposing forces - the art of a mission marketing approach with the science of managing a business.
This culminates in the 4 Pillars of the BrandCULTURE EQ framework which states that there is an intelligence required to successfully execute a brand focused business growth strategy.
Those 4 Pillars include 1) Customer Advocacy 2) Brand Development 3) Cultural Mapping and 4) Management Structures. And as a result this process unravels the riddle that afflicts passionate leaders -which is how do I integrate my brand message with my business - not just for today for days to come?

Brands Dont Grow on Trees is written within the 4 sections of the BrandCULTURE EQ framework, and proposes the following:
1. Customer Advocacy says that before you undertake any strategic move in business you must first know and care about what your customers care about. To do this means as a leader you need to shift from a mindset that is product-orientated to one that is centered upon championing not just the wants or needs of your market but also the mission and the message that your market needs to hear.

2. Brand Development branding is just the tip of the ice-berg and the activity of branding does come close to what happens when you look beneath the ice-berg and start to develop your brand and connect your brand to your daily operations. Becoming a brand, whether on a local or global scale means you become more concerned with developing deep roots that are 100% aligned with brand message - that says we are here for a mission here for a purpose.

3. Cultural Mapping of all the species, humans are the only ones that ignore their instincts and activate the least amount of their senses. A bird can sense a change in weather signals and avoid perishing in a tsunami yet a boss fails to notice or take action when that staff member rolls their eyes when discussion on brand values is tabled at a meeting. Moving forward, mission leaders need to adopt a higher sensory awareness if they want to ensure that both the internal and external communication of their brand message remains positive.

4. Turnkey Structures For once and for all, if ever there was a good reason to finally get on top of implementing proper systems within your business all you need to do is take notice of the trillion-dollar global industry that is based upon selling a system. That industry is franchising. Franchising is known for building small businesses indicative of a strong brand and rock solid systems. And that very system that amplifies the brand.

But what is far more important is the thinking behind designing the system which is more about building a brand and not just building a business.
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g: -2 Posted By: mxmaniac
Views: 142 Replies: 5 Just looking for some opinions. We know there are a lot of very corrupt people in power, who are able to use their money and power to influence and change many things in their favor, and halt things against there favor. They have to have their money invested somewhere. So do you think there are stocks out there that will always have great gains, and never fail because those in power will absolutely control them?

Or perhaps stocks rooted too deeply in the government that will never fail or loose major value, because if they were struggling, the government would simply print more money, or else provide a bailout.

I'm sort of torn on this subject, as I find this sort of corruption unethical, and supporting it would be an atrocity. However on the other hand, since it does exist, and there is no stopping it, perhaps piggy backing off of it is the only way to avoid being run over by it.


Investing Deals
g: 0 Posted By: bpvh
Views: 180 Replies: 0 Office Depot rebate software for the week of 11/03/2013 ($3AR, $5AR, $10AR and two titles $15AR)


Will update with the rebates later.


System Suite 12 Professional [494797] $52.99
++ $2.99 After $30 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

WebEasy 8 Professional [485613] $49.99
++ $4.99 After $35 Mfr. Mail-In & $10 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

Photo Explosion Deluxe 5.0 [891709] $49.99
++ $9.99 After $20 Mfr. Mail-In & $20 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

Greeting Card Factory Deluxe 8.0 [485379] $49.99
++ $14.99 After $15 Mfr. Mail-In & $20 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

McAfee Total 3499 Protection For 3 PCs [106319] $74.99
++ $14.99 After $5 Instant & $60 Mfr. Mail-In Savings


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

****ALERT ON SYMANTEC/NORTON REBATES****

Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================

The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK

====================
Software Deals

Office Depot Coupons
Buying Industrial Wastelands for Fun and Profit (Detroit's Packard Plant)
Added on : Thursday November 07th 2013 11:00:09 AM
g: 0 Posted By: Tom9999
Views: 112 Replies: 2 I believe this topic/discussion fits here. If not, mods please feel free to move or red me to death.

Wayne County, MI is trying to sell the old Packard manufacturing plant. It is a 35 acre industrial wasteland on the east side of Detroit.

http://www.freep.com/article/20131106/BUSINESS06/311060156/Packa...

A Chicago developer (see linked article) tried to buy it a couple months ago for $1 million in back taxes. He failed to come up with the money, so it went to auction. He and a doctor from Texas ended up running the auction to over $6 million. The doctor turned out to be a wackjob (see other articles linked in the above article) and never produced cash. Her bids were thrown out and now the guy from Chicago can buy it for $2 million.

He could not produce the $2 mil, so the county gave him some more time for a $100K non-refundable deposit with $300K due a few days later. The $300K never materialized, but he put down a second $100K and has $1.8 million still due.

The guy couldn't produce $1 million to buy it outright. He has thrown another $200K (non-refundable) at it but still does not seem to have the means to actually buy it.

For the brilliant finance minds here, where is the profit in this for him? All I can think of is that he is sucking in investors, pocketing part of the money, and stringing along the county to try to get more suckers. What am I missing?
Real Estate Deals
g: 0 Posted By: goonplatoon
Views: 504 Replies: 3 $159 Newegg Kingston SSDNow V300 Series 2.5" 240GB SATA III Internal (SSD) Shoprunner FREE SHIPXpost from another site I use, thought you guys might like to get in
Been seeing this deal float around, and it looks like Newegg is keeping it going just a little longer.. 5 eggs from 125 reviews, one of the lowest prices I've seen (yet) for a SSD.
ElLink[newegg.com].

Kingston SSDNow V300 Series SV300S37A/240G 2.5" 240GB SATA III Internal Solid State Drive (SSD)

General
Brand
Kingston
Series
SSDNow V300 Series
Model
SV300S37A/240G
Device Type
Internal Solid State Drive (SSD)
Used For
Consumer

Physical
Form Factor
2.5"
Capacity
240GB
Interface
SATA III
Width
69.85mm
Depth
100mm
Height
7mm
Weight
86g

Performance
Max Sequential Read
Up to 450 MB/s
Max Sequential Write
Up to 450 MB/s
4KB Random Read
Up to 85,000 IOPS
4KB Random Write
Up to 43,000 IOPS
MTBF
1,000,000 hours

Features
Features
Fast - 10x faster than a 7200RPM hard drive

High Quality - features an LSI SandForce controller customized for Kingston

Reliable - with no moving parts, solid-state drives are less likely to fail than standard hard drives

Economical design optimized to make migrating to an SSD more affordable

Convenient - all-in-one kits with all the components for easy installation

Multiple capacities - to fit your workload

Environmental
Power Consumption (Idle)
0.640W
Power Consumption (Active)
1.423 W Read / 2.052 W Write
Operating Temperature
0C ~ +70C
Storage Temperature
-40C ~ +85C
Max Vibration Resistance
Vibration operating: 2.17G Peak (7-800Hz)
Vibration non-operating: 20G Peak (10-2000Hz)
SSD Deals

Newegg Coupons
g: 0 Posted By: goonplatoon
Views: 98 Replies: 1 $159 Newegg Kingston SSDNow V300 Series 2.5" 240GB SATA III Internal (SSD) Shoprunner FREE SHIPXpost from another site I use, thought you guys might like to get in
Been seeing this deal float around, and it looks like Newegg is keeping it going just a little longer.. 5 eggs from 125 reviews, one of the lowest prices I've seen (yet) for a SSD.
ElLink[newegg.com].

Kingston SSDNow V300 Series SV300S37A/240G 2.5" 240GB SATA III Internal Solid State Drive (SSD)

General
Brand
Kingston
Series
SSDNow V300 Series
Model
SV300S37A/240G
Device Type
Internal Solid State Drive (SSD)
Used For
Consumer

Physical
Form Factor
2.5"
Capacity
240GB
Interface
SATA III
Width
69.85mm
Depth
100mm
Height
7mm
Weight
86g

Performance
Max Sequential Read
Up to 450 MB/s
Max Sequential Write
Up to 450 MB/s
4KB Random Read
Up to 85,000 IOPS
4KB Random Write
Up to 43,000 IOPS
MTBF
1,000,000 hours

Features
Features
Fast - 10x faster than a 7200RPM hard drive

High Quality - features an LSI SandForce controller customized for Kingston

Reliable - with no moving parts, solid-state drives are less likely to fail than standard hard drives

Economical design optimized to make migrating to an SSD more affordable

Convenient - all-in-one kits with all the components for easy installation

Multiple capacities - to fit your workload

Environmental
Power Consumption (Idle)
0.640W
Power Consumption (Active)
1.423 W Read / 2.052 W Write
Operating Temperature
0C ~ +70C
Storage Temperature
-40C ~ +85C
Max Vibration Resistance
Vibration operating: 2.17G Peak (7-800Hz)
Vibration non-operating: 20G Peak (10-2000Hz)
SSD Deals

Newegg Coupons
*** DEAD *** FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Wednesday November 06th 2013 06:00:17 AM
g: 10 Posted By: archena
Views: 2852 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
Books & Magazines Deals
*** DEAD *** FREE Kindle Book - Take Back Your Money was $9.99
Added on : Wednesday November 06th 2013 05:00:18 AM
g: 10 Posted By: archena
Views: 1364 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Take Back Your Money: A Survival Guide For The Next Recession, The One After That, and The One After That [Kindle Edition] was $9.99

John E. Girouard (Author)

http://www.amazon.com/dp/B00FW89LRS

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Accounting > Taxes > Personal Taxes

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
Totally Free Deals
FREE Kindle Book - Conquer the Entrepreneur's Kryptonite was $9.99
Added on : Tuesday November 05th 2013 04:00:07 PM
g: 0 Posted By: archena
Views: 31 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Conquer the Entrepreneur's Kryptonite [Kindle Edition] was $9.99

James Woosley (Author)

http://www.amazon.com/dp/B00DSXA41Q

Publication Date: June 13, 2013

8 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Systems & Planning

This is a book for people with ideas.

Do you make plans that never get implemented? Are they overly complicated and fail because you simply can't stop planning until its perfect? Or do you refuse to plan because you care only about getting things done, but end up failing and causing chaos for those closest to you (spouse, partners, teammates, etc.)? Do you end up reworking projects instead of accomplishing your goals?

Let's find the happy middle groundthe sweet spot that combines planning and action! It's sure to be more than scribbles on a napkin, but far less than an overstuffed binder.

What is it that you want to achieve? Whatever it is, its not going to be easy. Not if its something BIG worth doing right.

But it can be made easier, and in doing so, make it look like it was easy to anyone who didnt see the blood and sweat you poured into your idea.

Lets get to work!

About the Author
James Woosley is an underachieveronly because hes constantly expanding his potential by doing something amazing, then immediately striving for moreknowing that his mind, body, and spirit have been stretched to a new level of possibilities.
As a business Coach, consultant, and project manager, James helps people and organizations move ideas from the dreaming and planning stages to full implementation. He sets goals, plans strategically, and makes things happenfor himself and those around him.

Learn more at http://www.WoosleyCoaching.com.
Books & Magazines Deals
*** DEAD*** FREE Kindle Book - OPEN was $9.99
Added on : Tuesday November 05th 2013 11:00:06 AM
g: 4 Posted By: archena
Views: 2248 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

OPEN [Kindle Edition] was $9.99

David Price (Author)

http://www.amazon.com/dp/B00FLYFS98

Publication Date: October 2, 2013

Publisher: Crux Publishing

16 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership

#1 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Organizations & Institutions

"OPEN is a revelation. With an engaging wit and a clear mind Dave Price casts a penetrating light on how the new dynamics of digital culture are transforming not only how we work and play but how we think, feel and learn. He writes with a sharp sense of social history and theory. But he argues too from deep practical experience as an artist, parent and noted leader in educational change. From every perspective 'Open' will open your mind to some of the real implications of digital technologies for how we live and learn in the 21st century."
Sir Ken Robinson, world-leading expert on education and creativity

"There are lots of books about learning, but there are hardly any that manage to put the coming education revolution in a context that makes sense both emotionally and economically. OPEN is a tour de force that is by turns inspiring, shocking, highly entertaining, but above all practical. David Price combines the rare skill of understanding an institution without being institutionalised - a maverick thinker who can, through force of reason and humour coupled with long experience, make the job of re-booting education a fun one. He's just the kind of revolutionary the new world needs - one whose influence comes from putting the power to change things directly into your hands."
Mark Stevenson, author of An Optimists Tour of the Future

"David has constructed a powerful argument for Open Education initiatives and disciplines, not just within Academia, but also within Enterprise. His insights and observations make this a must read book for decision makers and senior managers in understanding what is possible within their own institutions, and what is essential in supporting vocationally focused education and life long learning."
Alan S. Greenberg, Education Technologies Consultant & ex Apple Education EMEA/Asia

SYNOPSIS
What makes a global corporation give away its prized intellectual property? Why are Ivy League universities allowing anyone to take their courses for free? What drives a farmer in rural Africa to share his secrets with his competitors?

A collection of hactivists, hobbyists, forum-users and maverick leaders are leading a quiet but unstoppable revolution. They are sharing everything they know, and turning knowledge into action in ways that were unimaginable even a decade ago. Driven by technology, and shaped by common values, going open has transformed the way we live. Its not so much a question of if our workplaces, schools and colleges go open, but when.

Packed with illustration and advice, this entertaining read by learning futurist, David Price, argues that open is not only affecting how we are choosing to live, but that its going to be the difference between success and failure in the future.
Totally Free Deals
FREE Kindle Book - Take Back Your Money was $9.99
Added on : Tuesday November 05th 2013 07:00:14 AM
g: 0 Posted By: archena
Views: 58 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Take Back Your Money: A Survival Guide For The Next Recession, The One After That, and The One After That [Kindle Edition] was $9.99

John E. Girouard (Author)

http://www.amazon.com/dp/B00FW89LRS

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Accounting > Taxes > Personal Taxes

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Friday November 01st 2013 04:00:16 AM
g: 1 Posted By: archena
Views: 87 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
Books & Magazines Deals
30% off one item at yoyo.com
Added on : Friday November 01st 2013 04:00:10 AM
g: 0 Posted By: starfailure
Views: 181 Replies: 0 www.yoyo.com
Promo code TOY30Y.
Works for existing customers, but max discount applied is $30.

Enjoy.
Toys & Hobby Deals

YoYo.com Coupons
55 perc off Aiseesoft Oct. 31, 3013
Added on : Thursday October 31st 2013 09:00:05 AM
g: 0 Posted By: freedesk
Views: 146 Replies: 0 Just got this in mail today and took advantage of it. Sceptical of software that promises so much, yet not a fail. Both dvd to mp4 and their pdf to word worked extremely well. This my first offer of a code. I got it in an email, so hope okay to post it here - let me know immediately if this an issue. When I went to web they asked for code before asking my name, credit card, etc, so I will assume okay to pass it on to you. Here is copy of body of email received. By the way, no issue with using the code more than once as fully honored during checkout, tho it says only for TODAY. In case not obvious in email below: 55% off coupon code - AISEOTN- Valid for All products.

NOT SURE how to do a link, so you have to just go there for this.
------------------------------------------------------
Get biggest discount Ever (55% off) & win Amazon Voucher/Free App from Aiseesoft!

Aiseesoft
Today at 5:13 AM

To [my email]

Having trouble reading this email? View it on the web

You never know what might happen on Halloween. Wait until dark for some spooky surprises. The creatures of the night are waiting. But we won't keep you waiting. Join the Halloween party of Aiseesoft. Enjoy the groovy Halloween before night comes! We give you 55% discount coupon code which is valid for all Aiseesoft products! Share your Halloween photo with us on Facebook and win an Amazon gift card!
Aiseesoft Video Converter Ultimate Turn your Halloween videos into 3D movies by 3D conversion Add scary or romantic effect to DVD/video and make a scary film Enjoy these Halloween memories any time you like Price: $45.00 Buy with coupon: $20.25 Get Coupon
Follow us on Facebook and upload your Halloween dress, you get a chance of winning a $30 Amazon gift card or Aiseesoft Blu-ray Player for free!
If you have any question, please contact us: E-mail: support@aiseesoft.com
55% off coupon code - AISEOTN- Valid for All products







Software Deals
g: 0 Posted By: Mavrick88
Views: 147 Replies: 2 Samsung BD-E5400 Blu-ray Player WIFI- $39.96 after Coupon Code: VEY104728. Exp: 11/6/13. Plus shipping, but was cheap for me, $6. It is a refurb, but still a great deal.

Type: Blu-Ray Player
Connector(s): USB, HDMI
Playback Format: CD, DVD, Blu-Ray
Decorder: Dobly True-HD
Features: WIFI
THIS PRODUCT IS REFURBISHED
Refurbished products are products that were originally purchased and returned by customers like yourself. The term refurbished is used to describe products that were returned to their manufacturers specification then tested and repackaged for sale. We utilize a third party of professional technicians who first troubleshoot and then perform any repairs that are necessary to restore the product to like new condition. Refurbished products represent a great value and we offer them with confidence knowing that every refurbished product was tested by a trained group of professionals. Refurbished products are warranted for up to 90 days after purchase. Any product failure not originating from defects in materials or workmanship will not be considered covered under warranty. Warranty terms applicable to refurbished products may vary; see below for specific warranty information and consider purchasing an extended service plan if you desire even more coverage.
Blu Ray Players Deals

Tiger Direct Coupons
FREE Kindle Book - OPEN was $9.99
Added on : Thursday October 31st 2013 01:00:06 AM
g: 0 Posted By: archena
Views: 58 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

OPEN [Kindle Edition] was $9.99

David Price (Author)

http://www.amazon.com/dp/B00FLYFS98

Publication Date: October 2, 2013

Publisher: Crux Publishing

16 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership

#1 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Organizations & Institutions

"OPEN is a revelation. With an engaging wit and a clear mind Dave Price casts a penetrating light on how the new dynamics of digital culture are transforming not only how we work and play but how we think, feel and learn. He writes with a sharp sense of social history and theory. But he argues too from deep practical experience as an artist, parent and noted leader in educational change. From every perspective 'Open' will open your mind to some of the real implications of digital technologies for how we live and learn in the 21st century."
Sir Ken Robinson, world-leading expert on education and creativity

"There are lots of books about learning, but there are hardly any that manage to put the coming education revolution in a context that makes sense both emotionally and economically. OPEN is a tour de force that is by turns inspiring, shocking, highly entertaining, but above all practical. David Price combines the rare skill of understanding an institution without being institutionalised - a maverick thinker who can, through force of reason and humour coupled with long experience, make the job of re-booting education a fun one. He's just the kind of revolutionary the new world needs - one whose influence comes from putting the power to change things directly into your hands."
Mark Stevenson, author of An Optimists Tour of the Future

"David has constructed a powerful argument for Open Education initiatives and disciplines, not just within Academia, but also within Enterprise. His insights and observations make this a must read book for decision makers and senior managers in understanding what is possible within their own institutions, and what is essential in supporting vocationally focused education and life long learning."
Alan S. Greenberg, Education Technologies Consultant & ex Apple Education EMEA/Asia

SYNOPSIS
What makes a global corporation give away its prized intellectual property? Why are Ivy League universities allowing anyone to take their courses for free? What drives a farmer in rural Africa to share his secrets with his competitors?

A collection of hactivists, hobbyists, forum-users and maverick leaders are leading a quiet but unstoppable revolution. They are sharing everything they know, and turning knowledge into action in ways that were unimaginable even a decade ago. Driven by technology, and shaped by common values, going open has transformed the way we live. Its not so much a question of if our workplaces, schools and colleges go open, but when.

Packed with illustration and advice, this entertaining read by learning futurist, David Price, argues that open is not only affecting how we are choosing to live, but that its going to be the difference between success and failure in the future.
Totally Free Deals
DietBet: Potentially make money for losing weight
Added on : Tuesday October 29th 2013 08:00:15 AM
g: -1 Posted By: Rewdog
Views: 152 Replies: 2 You place bets with groups of other people to lose a % of total weight over a set period of time. Those who cannot make their goal forfeit their bet which is split among those who make their goal. If everyone meets their goal, you just get your money back.

For example, my wife recently finished one of these betting $25 that she would lose 5% of her body weight over 4 weeks. She ended up winning $66 ($41 net).

You can join up to 3 games at a time.

Verification is done by submitting pictures on the scale with a hand written word given only when you are about to weigh-in. Verification does happen by actual people and can sometimes take a couple days to be verified or appealed.

http://www.dietbetter.com

Definitely worth it if you plan on losing weight anyhow.

Cue ideas of putting change in pockets, binge eating / drinking before initial weigh-in, identifying diet-bet games with participants highest rate of failure (seems like the higher the bet, the more motivated everyone is to meet their goal and the least money you make), and requests for pics of wife (no).
Discussion Deals
g: 3 Posted By: archena
Views: 985 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

How To NOT Suck At Social Media - A Beginner's Guide For Businesses [Kindle Edition] was $9.99

Malcom McCutcheon (Author)

http://www.amazon.com/dp/B00FYJEAWQ

Publication Date: October 16, 2013

Publisher: Bossa Nova Interactive

5 Reviews ★★★★★

#12 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing


Why do so many businesses suck at social media?

It's because they are often late-adopters and see social media sites as marketing channels.

This step-by-step guide will show you:
- How to easily get your business set up on 8 of the top social marketing websites this afternoon
- 5 Simple ways to build your "Tribe" and create a following that's more powerful than an expensive ad campaign
- How you can learn from past failures and avoid the humiliating mistakes others have made for you
- The 4 Goals of Social Networking and how they apply to you and your business
- 6 Essential Tactics for Social Media Success
- How to build your tribe, and meaningfully engage with followers through social channels such as Facebook, Twitter, Google+, and Pinterest.
- And other helpful Social Media tools that make your life easier.

About the Author

Malcom McCutcheon is a Swiss Army Knife of digital marketing. He enjoys helping businesses use social media, SEO, and other channels to connect with - and be found by - their customers. He is also the founder of Bossa Nova Interactive, a Local Marketing Consultancy in Hampton Roads, VA. Malcom has worked as a digital marketing consultant and creative director and has served a full spectrum of clients since 1996.

He lives and works in Yorktown, Virginia with an amazing wife and child.
Totally Free Deals
g: 0 Posted By: bpvh
Views: 142 Replies: 0 Office Depot rebate software for the week of 10/27/2013 (2 McAfee titles: $9AR and $10AR)


McAfee Internet Security 2014, For 3 PCs, eCard [101324] $61.99 LINK
$9.99 After $8 Instant & $52 Mfr. Mail-In Savings


McAfee Total Protection 2014, eCard [106292] $54.99 LINK
$8.99 After $5 Instant & $46 Mfr. Mail-In Savings


Select Energizer Max Alkaline Batteries Multipacks [416545 / 576827] $7.79
GET AN $8 MFR. MAIL-IN REBATE when you buy 2 multipacks.


DETAILS TO FOLLOW


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

****ALERT ON SYMANTEC/NORTON REBATES****

Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================

The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK

====================
Software Deals

Office Depot Coupons
Conflict of Interest - Durable Power Attorney Healthcare
Added on : Thursday October 24th 2013 03:00:12 PM
g: 0 Posted By: jackcrawfish
Views: 38 Replies: 0 My sister-in-law is the administrator of a community hospital in the mid-west.

During a routine checkup, my father-in-law was "a little dizzy" during the exam and rushed by ambulance from his daughter's small town hospital to a city hospital against his wishes because she is the agent in his signed advance healthcare directive.

Although I have no evidence of any personal gain on her part as the administrator, I am concerned about her motive(s). As a principal, if the principal's decisions conflict with those of the agent, I thought the principal's decision governed?

What rights do the non-agent children have regarding the possibility of appealing the suitability of the agent listed in the directive?

Or am I failing to recognize the malpractice risk hospitals face if patients go untreated for observed symptoms (albeit overblown IMHO)?More details:
The routine visit to the local clinic involved a test where my father-in-law was to "DUI" test his balance. Although he was able to hold steady for part of the balance test, by your mid 80's a person is bound to waver a little. I'm told that since he had 3 stents in his heart 4 months earlier, the possibility for blood clotting (or something with blood) is very high. An EKG done at the clinic did not return any conclusive results to indicate was any major risk with his enzymes either. Regardless, an ambulance was called in to transport him 1 1/2 hours away to the specialized heart hospital where his surgery was done 4 months prior.

The results at the specialized hospital were negative and they did not have any indication of issues whatsoever.
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g: 0 Posted By: archena
Views: 45 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

How To NOT Suck At Social Media - A Beginner's Guide For Businesses [Kindle Edition] was $9.99

Malcom McCutcheon (Author)

http://www.amazon.com/dp/B00FYJEAWQ

Publication Date: October 16, 2013

Publisher: Bossa Nova Interactive

5 Reviews ★★★★★

#12 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing


Why do so many businesses suck at social media?

It's because they are often late-adopters and see social media sites as marketing channels.

This step-by-step guide will show you:
- How to easily get your business set up on 8 of the top social marketing websites this afternoon
- 5 Simple ways to build your "Tribe" and create a following that's more powerful than an expensive ad campaign
- How you can learn from past failures and avoid the humiliating mistakes others have made for you
- The 4 Goals of Social Networking and how they apply to you and your business
- 6 Essential Tactics for Social Media Success
- How to build your tribe, and meaningfully engage with followers through social channels such as Facebook, Twitter, Google+, and Pinterest.
- And other helpful Social Media tools that make your life easier.

About the Author

Malcom McCutcheon is a Swiss Army Knife of digital marketing. He enjoys helping businesses use social media, SEO, and other channels to connect with - and be found by - their customers. He is also the founder of Bossa Nova Interactive, a Local Marketing Consultancy in Hampton Roads, VA. Malcom has worked as a digital marketing consultant and creative director and has served a full spectrum of clients since 1996.

He lives and works in Yorktown, Virginia with an amazing wife and child.
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g: 5 Posted By: archena
Views: 1715 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
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g: 0 Posted By: DaysFan
Views: 220 Replies: 0 http://www.ulta.com/

FREE 4 piece Hair Sampler from Fekkai with any $35 Ulta.com purchase!Item #: 2264706$35.00

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g: 1 Posted By: remick
Views: 180 Replies: 0 http://www.amazon.com/Amazing-Grades-Improve-Learning-ebook/dp/B00FFJUG8C

5.0 out of 5 stars with 11 reviews

Learn study skills,test preparation and memory improvement in HALF the time! Use your learning style - read, listen or video chapters.
Use the learning and life skills in this book to raise your grades, test scores, get into and stay in the college of your dreams!
"If you've ever questioned your abilities in school, I can tell you for sure I was right there with you. Just a few short years ago, I felt like a failure - reading was actually painful for me and this made all my other subjects a real struggle. But today is a whole new story. I now have a Master s Degree and my Psy.D. degree in clinical psychology thanks to the strategies in this book. They literally changed my life!

--Kathryn Langley, M.A., Psy.D.

Amazing Grades is a worldwide goodwill book, the result of a year long work by 101 best-selling authors and experts to help students in grades 7-college raise their grades and test scores, in the fastest and most efficient way possible. Bonus chapter included by Nasha Fitter, Worldwide Lead of Education for Microsoft.

Topics include:
3 Learning styles and how to master study skills and test prepartion in your learning style
Study skills in every subject area
How to handle special learning challenges and differences
Life skills that you need to succeed
mp3 chapters and scan tags for videos related to the chapters
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Advocate Medical Group Lawsuit
Added on : Tuesday October 22nd 2013 08:00:12 PM
g: 0 Posted By: messi85
Views: 96 Replies: 1 Advocate Medical Group, part of the largest health system in Illinois, recently announced asecurity breachthat puts over4 million current and former patients at risk of identity theft.On July 15, 2013, burglars stole four computers from an Advocate Medical Group administrative office in Park Ridge, IL. Sources cite a lack of 24/7 security and no alarm system on the premises.The unencrypted (not secured) data stored on the hard drives of the stolen computers include the information of patients just like you. This could include your Social Security numbers, names, addresses, DOBs, medical diagnoses, medical record numbers, medical service codes, and health insurance information.This type of sensitive data can be used for an array of fraudulent activity.Advocate violated privacy regulations by failing to use encryption and other security measures on the computers (Smith,Chicago Tribune, 9/5).


Advocate Medical Center offered me free Experian credit report monitoring for a year. My girlfriend and her sister also got this letter. My dad also got a letter in the mail saying that his personal information was violated. I actually had to call Advocate to find out I was on the list and then they sent me a letter that I was a victim. My dads social security number is also tied to my health insurance. My girlfriend mother also got a letter. We want to sue advocate and do a class action lawsuit. I want to sue them and not be part of the current class action lawsuit that some patients filed because I will only get a small chunk of money. So I dont know if I should maybe get my own lawyer and sue them. Any thoughts on this? This is the second time Advocate has done this in the last 4 years.
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g: 0 Posted By: remick
Views: 169 Replies: 0 http://www.amazon.com/Financial-Innovation-Collection-Publishing--Milken-Innovations-ebook/dp/B0085MG8EW

Sustainable, responsible financial innovation: lessons from the crisis, and new paths to global prosperity

After the global financial crisis, responsible financial innovation is more Crucial than ever. However, financial innovation will only succeed if it reflects the true lessons of the past decade. In this collection, three leading global finance researchers share those lessons, offering Crucial insights for market participants, policymakers, and other stakeholders. Drawing on their pioneering work, they illuminate new opportunities for sustainable innovation in finance that can help restore housing markets and the overall global economy, while avoiding the failures of predecessors. In Financing the Future, Franklin Allen and Glenn Yago carefully discuss the current role of financial innovation in capitalizing businesses, industries, breakthrough technologies, housing solutions, medical treatments, and environmental projects. Allen and Yago explain how sophisticated capital structures can enable companies and individuals to raise funding in larger amounts for longer terms at lower cost, accomplishing tasks that would otherwise be impossible -- and offer a full chapter of essential lessons for using financial innovation to add value, manage risk, and improve the stability of the global economy. Next, in Fixing the Housing Market, Allen, Yago, and James R. Barth explain how responsible financial innovation can "reboot" damaged housing markets, improve their efficiency, and make housing more accessible to millions. The authors walk through the history of housing finance, evaluate housing finance systems in mature economies during and after the crisis, highlight benefits and risks associated with each leading mortgage funding structure and product, and assess current housing finance structures in BRIC economies. Building on these comparisons, they show how to create a more stable and sustainable financing system for housing: one that provides better shelter for more people, helps the industry recover, and creates thousands of new jobs.

From world-renowned leaders and experts Franklin Allen, Glenn Yago, and James R. Barth
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g: 6 Posted By: xpolarx
Views: 303 Replies: 0 HP Business ZR2740w 27" LED LCD Monitor - $ 279.99 - @Rakuten (Sold by Buy.com)

Linky

This is the best price I've seen for a 2560x1440 branded monitor, ever.

IMHO, these are the CONS and PROS:

CONS:
- 12 ms response time (Just bad for hardcore FPS gamers)
- No speakers
- No HDMI (Just display port or DVI) (You can use an HDMI to Display port adapter)

PROS
- PRICE! the next cheapest branded 2560x1440 monitor goes for about $550
- IPS
- 3-year warranty (Apparently there is a high failure ratio but the exchange process seems to be painless via HP.)
- 45-day return policy if the item from Buy.com (If it turns to be defective within 45 days after delivery then you can return for free)


Please GREEN in you like it Or RED if you don't

Specs(BTW, the price at HP.com is $714)

Display Size (Diagonal): 27"
Resolution: 2560 x 1440
Display Pixel: 0.233 mm
Brightness (Typical): 380 cd/m
Viewing Angle: 178 horizontal; 178 vertical
Response Time (Typical): 12 ms gray to gray
Input signal: 1 DisplayPort in; 1 Dual-Link DVI
Bezel color: Black and brushed aluminum
Tilt and Swivel Angle: Tilt: -5 to +35; Swivel: 45
Display Features: Plug and Play
Anti-glare
I/O Ports: 4 port USB Hub
Physical Security: Security Lock-Ready
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FREE Kindle Book - Bouncing Back: The Life of Bill Bartmann was $8.50
Added on : Friday October 18th 2013 06:00:07 PM
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
g: 1 Posted By: remick
Views: 240 Replies: 0 http://www.amazon.com/dp/B00B1PEMVG

Supply chain professionals: master pioneering techniques for integrating demand and supply, and create demand forecasts that are far more accurate and useful! In Demand and Supply Integration, Dr. Mark Moon presents the specific design characteristics of a world-class demand forecasting management process, showing how to effectively integrate demand forecasting within a comprehensive Demand and Supply Integration (DSI) process. Writing for supply chain professionals in any business, government agency, or military procurement organization, Moon explains what DSI is, how it differs from approaches such as SandOP, and how to recognize the symptoms of failures to sufficiently integrate demand and supply. He outlines the key characteristics of successful DSI implementations, shows how to approach Demand Forecasting as a management process, and guides you through understanding, selecting, and applying the best available qualitative and quantitative forecasting techniques. You'll learn how to thoroughly reflect market intelligence in your forecasts; measure your forecasting performance; implement state-of-the-art demand forecasting systems; manage Demand Reviews, and much more. For wide audiences of supply chain, logistics, and operations management professionals at all levels, from analyst and manager to Director, Vice President, and Chief Supply Chain Officer; and for researchers and graduate students in the field.
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g: 0 Posted By: bpvh
Views: 157 Replies: 0 Office Depot rebate software for the week of 10/13/2013 (2 Nova Development titles: $5AR and $15AR)


Photo Explosion 5.0 [891718] $29.99 LINK
++ $4.99 After $25 in (2) Mfr. Mail-In Savings
$15 standard rebate #601-176 LINK
--- paid via prepaid Visa card
--- rebate valid from 10/13/2013 through 10/26/2013
--- original Proof of Purchase 1 Emblem (located on the bottom inside flap of the product box)
--- copy of receipt
$10 CONTINUING "on box" standard rebate #PE510 LINK
++ First appearance of this rebate in the Office Depot rebate threads
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
++ Rebate not currently known
--- registration card
--- copy of receipt
--- original upc code
--- presubmit at usa.novadevelopment.com/support/rebate/Registration.aspx


Greeting Card Factory Deluxe 8.0 [485379] $49.99 LINK
++ $14.99 After $35 in (2) Mfr. Mail-In Savings
$15 standard rebate #601-175 LINK
--- rebate valid from 10/13/2013 through 10/26/2013
--- original Proof of Purchase 1 Emblem (located on the bottom inside flap of the product box)
--- copy of receipt
$20 CONTINUING onbox standard rebate RMW20 LINK
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
--- registration card
--- copy of UPC code
--- copy of receipt
--- presubmit at usa.novadevelopment.com/support/rebate/Registration.aspx


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

****ALERT ON SYMANTEC/NORTON REBATES****

Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================

The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK

====================
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g: 1 Posted By: horizon6
Views: 45 Replies: 0 Staples
Credit: TechBargains via SearchAllDeals
Update: Sorryhere too, earlier search failed
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30;45 day security deposit return window (IL) opinion poll
Added on : Tuesday October 08th 2013 10:00:11 AM
g: 0 Posted By: zacwashington
Views: 63 Replies: 1 A friend (referred to as 'Tenant' from here out) moved out of an 8 unit apartment building in Illinois on Aug 31. Original lease was for 12 MO and went month to month on verbal agreement after 12 MO. Tenant notified landlord 30+ days prior to vacate and left at 14 Months. Security deposit was 625$ at onset of lease. Lease has no extra details on security deposit rules or restrictions. Tenant requested final walkthrough prior to vacating, landlord refused verbally stating no walkthrough would be needed as she was sure tenant did no damage (moot point). Tenant notified landlord of new mailing address in writing prior to vacating. (I am assuming tenant has receipt proving deposit was paid, can verify later as this could be a show stopper on a small claim potentially).

Just FYI landlord was decent, upkeep of property was average, no issues during occupancy. Tenant bought a house in an area an hour away and needs no rent reference and will likely never cross paths with landlord again.

As of today (day 38 since vacating property): No security deposit refund, no receipts or itemized statement of charges (no contact at all). So past 30 day window, tenant is entitled to full deposit refund. Past 45 day window tenant can be entitled to 2X deposit plus court and reasonable attorney fees. Figuring a 6 hour investment time (estimation of court prep and small claims time?) Potential to net 100 / hour in a small claim. Other potential to offer buyout to landlord to pay 2X without incurring court cost/attorney fees?

Just on an opinion level, what would you do? Go after money you are entitled to (even though its only profit of 625$)? Or play the nice person card and remind the landlord and accept the refund of only the original deposit of 625$?

Excerpt from Security Deposit Return Act:

[code](765 ILCS 710/1)[/code][code](from Ch. 80, par. 101)[/code]
[code]Sec. 1. [/code][code] [/code][code]A lessor of residential real property, containing 5 or more units, who has received a security deposit from a lessee to secure the payment of rent or to compensate for damage to the leased property may not withhold any part of that deposit as compensation for property damage unless he has, within 30 days of the date that the lessee vacated the premises, furnished to the lessee, delivered in person, by mail directed to his last known address, or by electronic mail to a verified electronic mail address provided by the lessee, an itemized statement of the damage allegedly caused to the premises and the estimated or actual cost for repairing or replacing each item on that statement, attaching the paid receipts, or copies thereof, for the repair or replacement. If the lessor utilizes his or her own labor to repair any damage caused by the lessee, the lessor may include the reasonable cost of his or her labor to repair such damage. If estimated cost is given, the lessor shall furnish the lessee with paid receipts, or copies thereof, within 30 days from the date the statement showing estimated cost was furnished to the lessee, as required by this Section. If no such statement and receipts, or copies thereof, are furnished to the lessee as required by this Section, the lessor shall return the security deposit in full within 45 days of the date that the lessee vacated the premises.[/code][code] [/code]
[code][/code][code]Upon a finding by a circuit court that a lessor has refused to supply the itemized statement required by this Section, or has supplied such statement in bad faith, and has failed or refused to return the amount of the security deposit due within the time limits provided, the lessor shall be liable for an amount equal to twice the amount of the security deposit due, together with court costs and reasonable attorney's fees.[/code]
[code](Source: P.A. 97-999, eff. 1-1-13.)[/code]

Full act: http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2202&ChapterID=62


Personal Finance Deals
Maximizing Obamacare ACA Insurance Exchange Subsidies
Added on : Thursday October 03rd 2013 11:00:04 PM
g: 0 Posted By: calwatch
Views: 91 Replies: 0 With the new Affordable Care Act (Obamacare) in place, tax planning is even more Crucial than ever because of the subsidies provided to buy health insurance on an ACA exchange. Through some income shifting, and estimation, on can take advantage of some of the loopholes in the law and gain health insurance at little cost. Conversely, there are many sub-poverty individuals who cannot qualify for Medicaid expansion since their state didn't sign up, but through a back door way can still get affordable insurance simply by making large estimated tax payments to a state or projecting future income above the poverty line. For those near the poverty line in a Medicaid expansion state, paying attention to the deadlines can avoid having to cycle back and forth between private insurance and the Medicaid system, which generally offers far less choice than most exchange plans.

All income referenced to is MAGI (which is AGI plus nontaxable Social Security, tax exempt interest, and foreign earned income). Regulations on premium tax credit (with examples)

Making too much money

If you think the phaseout for the tuition and fees credit or earned income tax credit is abrupt, the ACA phaseout is even more so. At 400% Federal Poverty Limit (FPL) the subsidy is completely eliminated and there is no cap on repayment amount.

So if you are trying to get income below 400% FPL in order to qualify you need to make sure that you'll hit that. The only way to adjust MAGI after December 31 is through deductible IRA/HSA contributions but traditional IRA deductions phase out for single/HOH AGI over ~$60k or MFJ over ~$100k. Since 400% FPL is $62k for a 2 person household and $110k for a 5 person household this quickly becomes nonviable. To qualify for HSA you have to use an HDHP - I have heard of some exchanges with HSA compatible Bronze plans in Obamacare, but you have to be eligible for HSA prior to December 1 of the tax year. So you have to reduce income below 12/31 which means the usual - contribute max to 401ks, 457s, and 403bs, tax loss harvest to get the $3000 capital loss deduction, and advance business expenses. This also makes income spiking a better deal - if you know you aren't going to qualify for the subsidy, then you could opt to spike income by taking bonuses/income or deferring expenses one year to stay far above 400% FPL, while managing expenses and deductions to remain below 400% FPL other years. Also since recoveries like state income tax refund is treated above the line it is important to manage those so that they don't send someone intentionally above 400% FPL.

The same considerations are at the break point at 133% FPL, where there is a 2% MAGI to 3% MAGI jump.

One interesting loophole in the regulations is the maximum recapture limit on the credit, which can have interesting impacts depending on how you estimate your income. Lower income means more subsidies AND access to special Silver plans that have reduced cost sharing. So for instance a single 60 year old declaring $20,000 in annual income (175% FPL) in LA County gets a $470 monthly subsidy for a "Silver 87" plan with a $2250 out of pocket cap. At the end of the year, they really had a $45,000 MAGI (390% FPL). Normally a $45,000 MAGI qualifies for a "Silver 70" plan with a $6350 OOP cap and a $199 monthly subsidy. Now let's say they got the subsidy for 12 months. The maximum recapture limitation (regulations 1.36B-4-a-3) is $1,250 for the year. But the actual "unearned" subsidy for the year is $3,252, and this for a better plan with a $4100 lower out of pocket cap. Thus, $2,002 (the unearned subsidy above $1,250) is now written off, and up to $4,100 in OOP are never incurred. Just make sure you stay below 400% FPL or else you will have to pay the whole subsidy back (although presumably not the out of pocket cost).

Generally, due to time value of money, if you can afford to repay the credit should you estimate wrong, you should do so, since those credits only need to be repaid April 15 after the year that you receive the advance credits. I can't tell if you have to pay estimated tax penalty on advance credit repayments, but most people should avoid them anyway due to the 100% of prior year tax safe harbor rule.

There are better articles that go into the farce of the "estimation" process for ACA subsidies. Still, even without fraud, one could have honest reasons not to report changes in income - perhaps the job is temporary or unstable and you want to wait until it is stable before reporting the change in income. Regardless, you take advantage of the recapture cap.

For those who want to take advantage of the subsidy this makes the usual advice to do Traditional to Roth conversions in low income periods questionable as Roth conversions are in MAGI. While this may not be an issue for higher income or younger people (a 30 or 40 year old making 390% FPL gets no subsidy anyway in CA since the Silver plan is deemed affordable as a share of MAGI), that 40 year old making $20,000 in odd jobs and unemployment gained $2,112 in subsidy. Is it worth it to convert $25,000 in the 401k to Roth to fill the 15% tax bracket (the normal advice), and lose that $2,112, which is in effect another 8% tax on the conversion?

Making too little money

First, for states without Medicaid expansion, for those below 100% FPL who can control their income, the obvious answer is to get more income. Sell and immediately rebuy winning investments to reset basis and create capital gains (which may also qualify for 0% LTCG), move tax inefficient investments to taxable, do 401k/Traditional IRA conversions, get a job, gamble and report your winnings honestly, sell things and report the income with zero basis on the items sold (since you have no documentation proving the acquisition cost), etc.

But what if you didn't have to do that?

From a Bogleheads thread (where I was admonished not to "game the system"):

My reading of the regulations states that, as long as you estimate at the time of enrollment that your MAGI is between 100% and 400% of FPL, that you are still eligible for subsidies, even though your actual income falls below 100% of FPL. This could happen, for instance, if one lost their job in the middle of the year, which takes them below 100% of FPL. Even if they had to pay back subsidies, an additional provision in regulations limits that to $300 for singles, and $600 for other taxpayers.

1.36B2 Eligibility for premium taxcredit.

[...]
(b) Applicable taxpayer(1) Ingeneral. Except as otherwise providedin this paragraph (b), an applicabletaxpayer is a taxpayer whose householdincome is at least 100 percent but notmore than 400 percent of the Federalpoverty line for the taxpayers familysize for the taxable year.
[...]
(6) Special rule for taxpayers withhousehold income below 100 percent ofthe Federal poverty line for the taxableyear. A taxpayer (other than a taxpayerdescribed in paragraph (b)(5) of thissection) whose household income for ataxable year is less than 100 percent ofthe Federal poverty line for thetaxpayers family size is treated as anapplicable taxpayer if
(i) The taxpayer or a family memberenrolls in a qualified health planthrough an Exchange;
(ii) An Exchange estimates at the timeof enrollment that the taxpayershousehold income will be between 100and 400 percent of the Federal povertyline for the taxable year;
(iii) Advance credit payments areauthorized and paid for one or moremonths during the taxable year; and
(iv) The taxpayer would be anapplicable taxpayer if the taxpayershousehold income for the taxable yearwas between 100 and 400 percent of theFederal poverty line for the taxpayersfamily size.

(7) Computation of premiumassistance amounts for taxpayers withhousehold income below 100 percent ofthe Federal poverty line. If a taxpayer istreated as an applicable taxpayer underparagraph (b)(5) or (b)(6) of this section,the taxpayers actual household incomefor the taxable year is used to computethe premium assistance amounts under 1.36B3(d).

1.36B3 Computing the premiumassistance credit amount.

[...]
(d) Premium assistance amount. Thepremium assistance amount for acoverage month is the lesser of
(1) The premiums for the month forone or more qualified health plans inwhich a taxpayer or a member of thetaxpayers family enrolls; or
(2) The excess of the adjustedmonthly premium for the applicablebenchmark plan over 1/12 of theproduct of a taxpayers householdincome and the applicable percentage
for the taxable year.

That "applicable percentage" is defined in 1.36B-3(g) and is 2.0% of household income (MAGI) for those under 200% of FPL.

Also, for those making under 400%, a "repayment" clause applies further limiting the actual tax subsidy repayment for those under 200% FPL to $300 for singles, $600 for all other taxpayers.

1.36B4 Reconciling the premium taxcredit with advance credit payments.
(a) Reconciliation
(1) Coordinationof premium tax credit with advance
credit payments
(i) In general. Ataxpayer must reconcile the amount ofcredit allowed under section 36B withadvance credit payments on thetaxpayers income tax return for ataxable year. A taxpayer whosepremium tax credit for the taxable yearexceeds the taxpayers advance creditpayments may receive the excess as anincome tax refund. A taxpayer whoseadvance credit payments for the taxableyear exceed the taxpayers premium taxcredit owes the excess as an additionalincome tax liability.

(3) Limitation on additional tax(i)In general. The additional tax imposedunder paragraph (a)(1) of this section ona taxpayer whose household income isless than 400 percent of the Federalpoverty line is limited to the amountsprovided in the table in paragraph(a)(3)(ii) of this section (or successortables). For taxable years beginning afterDecember 31, 2014, the limitationamounts may be adjusted in publishedguidance, see 601.601(d)(2) of thischapter, to reflect changes in theconsumer price index.

This refers to a table which shows the maximum subsidy repayment for single taxpayers ("determined under section 1(c)") with MAGI under 200% FPL at $300, or $600 for other taxpayers.

So for sub poverty level in non-Medicaid expansion states the answer is clear - be more optimistic in declaring income. Note that the exchanges do check reduction in income (to qualify for more subsidy) but don't check increase in income (and, even if this were the case, one paycheck from a seasonal job can be extrapolated for the year). For the super honest, Bogleheads had an interesting tactic of prepaying state estimated tax in the previous year and itemizing (taking care to pay more than the standard deduction normally received), and then receiving the entire state tax refund as income, thus generating enough MAGI to go above 100% FPL. An alternative way is to declare cash income from self employment, as described in this great Forbes article (which includes other loopholes and outright frauds).

Unfortunately, this will help dull some of the movement complaining about the "donut hole" in coveragesince some advocacy groups are already publicly encouraging people to be optimistic.

In Medicaid expansion states, there will be those at the low end that want to avoid Medicaid, since the exchanges may offer more choice. Unfortunately premium credits are not available to those who are eligible for Medicaid (called "government sponsored minimum essential coverage"). Therefore, people will cycle in and out of Medicaid and the exchange depending on income. But, there is a minimum three months grace period to application date, never mind actual receipt of Medicaid. Even if you were ultimately ineligible you are still subject to the subsidy recapture cap.

Under the final regulations,an individual who fails to complete therequirements necessary to receivebenefits available under a government sponsoredprogram by the last day of thethird full calendar month following theevent that establishes eligibility istreated as eligible for the coverage onthe first day of the fourth calendarmonth. Because an individual whotimely completes the necessaryrequirements is treated as eligible forgovernment-sponsored minimumessential coverage no earlier than thefirst month that the individual mayreceive benefits, this 3-month timeperiod does not include the time neededfor a government agency to process anapplication.

See also Example 6 under 1.36B-4. Although it uses employer coverage as an example, it calculates how much needs to be repaid and states that it is subject to the cap. So if you are below 133% of FPL in a Medicaid eligible state, then file the paperwork on the last day of the third month after you become eligible for Medicaid. (But how do you know you are eligible if you can control your income at will? That would be based on the Medicaid regulations for eligibility.)This also works great for people who originally qualify for the exchange but then work for an employer with unaffordable or undesirable coverage, but coverage that still meets Obamacare's minimum requirements. An example would be an unemployed person who has exchange insurance but then gets a job which only offers a Obamacare-qualified captive HMO as its coverage option. They don't want to switch doctors, but they never notify the exchange of their employment. They are subject to the annual recapture cap, at least until the exchange recertifies (at which point the person would then perjuring themselves by signing the certification that they have no qualified coverage).

The married filing separately vs. jointly calculations are even more interesting but that is an exercise left to the reader.





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g: 0 Posted By: fantasma62
Views: 281 Replies: 6 HI Folks,

I am looking to make changes at home and decided to change my alarm system from wired to wireless. My system is almost 15 years old and is failing in certain areas. Also, I am going to change monitoring service. Paying ADT $43 per month is just not acceptable.

So, as I looked around, I found out that Honeywell is very good in alarm systems (I own a wifi thermostat and it works very well) The alarm./whole home system can be controlled via your phone or tablet. You can say that this is a system for a geek. Here are the specs.

It is very important to stress that if you would like to use anything else rather than just the alarm, you will need to have a monitoring service to activate the whole home system. Also, the system does not come with the wifi module or the Z Wave controller, which is the one that allows you to control the whole home. These sell separtately, but I had read many comments that in some cases, the unit is coming with the Z Wave controller already installed. I just bought mine today and I am hoping this is the case.

Either way, not sure if anyone would consider this a hot deal, but I did, and I bought it...

This control panel is in Amazon right now for$199.95when last week it was selling for $212.95. Also, I read yesterday that some of the systems are
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g: 6 Posted By: archena
Views: 1154 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The 10 Biggest Civil War Battles: Gettysburg, Chickamauga, Spotsylvania Court House, Chancellorsville, The Wilderness, Stones River, Shiloh, Antietam, Second Bull Run, and Fredericksburg [Kindle Edition] was $9.99

Charles River Editors (Author)

http://www.amazon.com/dp/B00ATQVZ5O

Publication Date: December 26, 2012

Publisher: Charles River Editors

12 Reviews ★★★★

#1 in Kindle Store > Kindle eBooks > History > Americas > United States > 19th Century

#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Civil War


*Includes pictures of the battles' important generals.
*Includes several maps of the battles.
*Includes accounts of the battles written by important generals. .
*Includes a Bibliography for each battle..
*Includes a Table of Contents.

Americans have long been fascinated by the Civil War, marveling at the size of the battles, the leadership of the generals, and the courage of the soldiers. Since the war's start over 150 years ago, the battles have been subjected to endless debate among historians and the generals themselves.

The Civil War was the deadliest conflict in American history, and had the two sides realized it would take 4 years and inflict over a million casualties, it might not have been fought. Since it did, however, historians and history buffs alike have been studying and analyzing the biggest battles ever since.

The 10 biggest Civil War battles were incredibly bloody, desperate fights that involved the war's most famous figures and determined the fate of several states. All told, over a quarter of a million casualties were inflicted by the two sides during the 10 largest battles, and the fates of the battles and the war itself hung in the balance.

Shiloh, Stones River and Chickamauga would all feature Union heroes like Ulysses S. Grant and George H. Thomas preserving Federal control over Tennessee and Kentucky. But during those same periods of time, Robert E. Lee was leading the Army of Northern Virginia to victory over several Union commanders at Fredericksburg, Second Bull Run, and Chancellorsville.

Of course, the most famous battles of the war involved the Army of the Potomac blunting Lee's offensives at Antietam and Gettysburg. Antietam was the bloodiest day of the war and forced Lee out of Maryland, allowing Lincoln to issue the Emancipation Proclamation. The following summer would see the biggest and most famous battle at Gettysburg. Lee would try and fail to dislodge the Union army with attacks on both of its flanks during the second day and Picketts Charge right down the center of the line on the third and final day. Meades stout defense held, barely, repulsing each attempted assault, handing the Union a desperately needed victory that ended up being one of the Civil Wars turning points.

At the Battle of the Wilderness (May 5-7, 1864), Ulysses S. Grant and Robert E. Lee fought to a standstill in their first encounter, failing to dislodge each other despite incurring nearly 30,000 casualties between the Union Army of the Potomac and the Confederate Army of Northern Virginia. Despite the fierce fighting, Grant continued to push his battered but resilient army south, hoping to beat Lees army to the crossroads at Spotsylvania Court House, but Lees army beat Grants to Spotsylvania and began digging in, setting the scene for on and off fighting from May 8-21 that ultimately inflicted more casualties than the Battle of the Wilderness. In fact, with over 32,000 casualties among the two sides, it was the deadliest battle of the Overland Campaign.

The 10 Biggest Civil War Battles comprehensively covers all 10 battles, including the events that led up to the battle, the fighting itself, and the aftermath of the battles. Accounts of the battles by important participants are also included, along with maps of the battles and pictures of important people, places, and events. You will learn about the 10 bloodiest Civil War battles like you never have before.
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FREE Kindle Book - The 10 Biggest Civil War Battles was $9.99
Added on : Sunday September 29th 2013 10:00:10 PM
g: 0 Posted By: archena
Views: 81 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The 10 Biggest Civil War Battles: Gettysburg, Chickamauga, Spotsylvania Court House, Chancellorsville, The Wilderness, Stones River, Shiloh, Antietam, Second Bull Run, and Fredericksburg [Kindle Edition] was $9.99

Charles River Editors (Author)

http://www.amazon.com/dp/B00ATQVZ5O

Publication Date: December 26, 2012

Publisher: Charles River Editors

12 Reviews ★★★★

#1 in Kindle Store > Kindle eBooks > History > Americas > United States > 19th Century

#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Civil War


*Includes pictures of the battles' important generals.
*Includes several maps of the battles.
*Includes accounts of the battles written by important generals. .
*Includes a Bibliography for each battle..
*Includes a Table of Contents.

Americans have long been fascinated by the Civil War, marveling at the size of the battles, the leadership of the generals, and the courage of the soldiers. Since the war's start over 150 years ago, the battles have been subjected to endless debate among historians and the generals themselves.

The Civil War was the deadliest conflict in American history, and had the two sides realized it would take 4 years and inflict over a million casualties, it might not have been fought. Since it did, however, historians and history buffs alike have been studying and analyzing the biggest battles ever since.

The 10 biggest Civil War battles were incredibly bloody, desperate fights that involved the war's most famous figures and determined the fate of several states. All told, over a quarter of a million casualties were inflicted by the two sides during the 10 largest battles, and the fates of the battles and the war itself hung in the balance.

Shiloh, Stones River and Chickamauga would all feature Union heroes like Ulysses S. Grant and George H. Thomas preserving Federal control over Tennessee and Kentucky. But during those same periods of time, Robert E. Lee was leading the Army of Northern Virginia to victory over several Union commanders at Fredericksburg, Second Bull Run, and Chancellorsville.

Of course, the most famous battles of the war involved the Army of the Potomac blunting Lee's offensives at Antietam and Gettysburg. Antietam was the bloodiest day of the war and forced Lee out of Maryland, allowing Lincoln to issue the Emancipation Proclamation. The following summer would see the biggest and most famous battle at Gettysburg. Lee would try and fail to dislodge the Union army with attacks on both of its flanks during the second day and Picketts Charge right down the center of the line on the third and final day. Meades stout defense held, barely, repulsing each attempted assault, handing the Union a desperately needed victory that ended up being one of the Civil Wars turning points.

At the Battle of the Wilderness (May 5-7, 1864), Ulysses S. Grant and Robert E. Lee fought to a standstill in their first encounter, failing to dislodge each other despite incurring nearly 30,000 casualties between the Union Army of the Potomac and the Confederate Army of Northern Virginia. Despite the fierce fighting, Grant continued to push his battered but resilient army south, hoping to beat Lees army to the crossroads at Spotsylvania Court House, but Lees army beat Grants to Spotsylvania and began digging in, setting the scene for on and off fighting from May 8-21 that ultimately inflicted more casualties than the Battle of the Wilderness. In fact, with over 32,000 casualties among the two sides, it was the deadliest battle of the Overland Campaign.

The 10 Biggest Civil War Battles comprehensively covers all 10 battles, including the events that led up to the battle, the fighting itself, and the aftermath of the battles. Accounts of the battles by important participants are also included, along with maps of the battles and pictures of important people, places, and events. You will learn about the 10 bloodiest Civil War battles like you never have before.
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g: 0 Posted By: bpvh
Views: 194 Replies: 0 Office Depot rebate software for the week of 09/29/2013 (two McAfee titles: $5AR and $9AR)


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====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

****ALERT ON SYMANTEC/NORTON REBATES****

Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================

The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK

====================
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LED Lenser Tac Torch 100 Lumen Flashlight $17.99 + $5.00 Shipping at Woot
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g: 0 Posted By: Ayla
Views: 217 Replies: 1 http://www.woot.com/offers/led-lenser-tac-torch-flashlight-12



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g: 1 Posted By: remick
Views: 292 Replies: 1 http://www.amazon.com/Our-Tortured-Souls-November-December-ebook/dp/B00CBX00MWJ

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g: 0 Posted By: iLetTheDogsOut
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Views: 0 Replies: 0 http://www.amazon.com/Successful-Women-Think-Differently-ebook/dp/B006UAAVF8

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Traffic violation - do I have any recourse
Added on : Thursday September 19th 2013 06:00:05 PM
g: 0 Posted By: sogi
Views: 43 Replies: 1 Incident:
Pulled over by cop and handed a citation for expired registration (July 2013). I accept my fault but at the same time I have always gotten a renewal notice and I always renew the same week of the notice.

Investigation:
Next day I go to the BMV (Missouri) and get new registration and request a copy of renewal notice and notice that my address was wrong and was told that there was a system error as it didn't pick up the apt. number. However, I showed them my last registration had my full and correct address. So I was curious how the mistake could have happened and that because of the "system mistake" I now have a ticket. I was told then that the renewal notice is a courtesy and it's my responsibility to get the vehicle registered. Agreed! However, there was a system failure and they did not do the 'courteous' job by mistyping my address.

Enquiry:
Do I have any recourse in contesting the penalty?

Thanks in advance!
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Searching for George Gordon Meade: The Forgotten Victor of Gettysburg [Kindle Edition] was $32.95

Tom Huntington (Author)

http://www.amazon.com/dp/B00CBX00SG

Publication Date: February 1, 2013

Publisher: Stackpole Books

12 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Civil War


Despite his great victory at Gettysburg and his command of the army that forced Lee's surrender at Appomattox, George Meade saw his fame eclipsed by that of Lee, Grant, and other Civil War generals. This book does a great deal to redress that historical injustice. Tom Huntington has invented a new genre of biography that shifts between past and present as he tells the story of Meade's life and describes his own pilgrimage to the key sites of that life. The result is an engrossing narrative that the reader can scarcely put down. --James M. McPherson, Pulitzer Prize-winning author of Battle Cry of Freedom

A historian's investigation of the life and times of Gen. George Gordon Meade to discover why the hero of Gettysburg has failed to achieve the status accorded to other generals of the conflict
Covers Meade's career from his part in the Mexican-American War through his participation in the great Civil War engagements, including Second Bull Run, Antietam, Fredericksburg, Chancellorsville, Gettysburg, and Petersburg
Available for the 150th anniversary of the Battle of Gettysburg
Explores Meade's legacy today at reenactments, battlefields, museums, and institutions that preserve history



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Attorney's advice causes tax liability
Added on : Wednesday September 18th 2013 02:00:05 AM
g: 0 Posted By: fatwallet2099
Views: 111 Replies: 2 My father went to a large (respected?) law firm in Texas in late 2011 and ask them to help with estate planning. Attorney advised him to set up a trust and to fund that trust with his Roth IRA (which was stupid because my father has property that should have been put in trust instead). Unfortunatelythe attorneyfailed to inform my father that distributions from a Roth IRA within 5 years of rolling over from a regular IRA would result in a 10% penalty from the IRS. My father now has a $320,000 penalty from the IRS due October 15th. I think the law firm has some liability. Thoughts?

I have written a simple letter to the firmbasically stating what I wrote in previous paragraph. In this letter, I also requested that the firm pay this tax penalty and refund any attorney fees charged to my father in 2011 and 2012. I figure the worst is they can say no or not respond. At that point I'll hire an attorney.

I welcome any advice.
Question Deals
g: 0 Posted By: remick
Views: 137 Replies: 0 http://www.amazon.com/Making-Strategy-Work-Effective-ebook/dp/B00D45ZEMC

Without effective execution, no business strategy can succeed. This second edition delivers a powerful framework every leader can use to overcome the obstacles to successfully deploying business strategy. In this book, leading consultant and Wharton professor Lawrence Hrebiniak offers a comprehensive, disciplined process model for making strategy work in the real world. Drawing on his unsurpassed experience, Hrebiniak shows why execution is even more important than many senior executives realize, and sheds powerful new light on why businesses fail to deliver on even their most promising strategies. He offers a systematic roadmap for execution that encompasses every key success factor: organizational structure, coordination, information sharing, incentives, controls, change management, culture, and the role of power and influence in your business. With three new chapters, expanded coverage, and new examples, the Second Edition of this highly successful book is the definitive guide for turning strategy into action
Books Deals

Amazon Coupons
g: 0 Posted By: perpetualstudent
Views: 104 Replies: 0 I'm about to enter into some 1099 consulting work. It should be fairly lucrative and I want to maximize tax writeoffs for other things. Without going into specifics, here's some general details of three activities I perform, that may qualify as business activities or the IRS may rule them as hobbies.

ACTIVITY 1) Primary 1099 Consulting Work. It's what's really paying the bills. No one can argue this is a hobby. This is where 99% of my income will be derived. As of right now, I plan to do this as a Sole Prop because it's low-liability type work and Sole Prop seems easiest/cheapest to do. Also most common for my profession.

ACTIVITY 2) I have an LLC for this "activity" that I very much enjoy and is something I could potentially do as a business, and people do this work as a business, however I have yet to charge people for my services. I do it to maintain my skills and for fun with friends. I have expenses but I haven't tried to deduct any of them yet. The reason I don't do this as a business is because "ACTIVITY 1" pays 10x more than this activity could possibly pay. This is also a high liability area so the LLC is necessary. Basically over the last few years I've been filing LLC annual fees and keeping it up so I could eventually declare it a legitimate business. By most reasonable assessments, I can demonstrate that I do in fact possess the professional skillset to do this as an actual business and with my background as an MBA, I can write out a rock solid market feasibility study and business plan that would be better than those of 99% of other small businesses. That said, I'm concerned that this could be declared a "hobby" because at least as of right now, it pretty much is.

ACTIVITY 3) This is not currently an entity of any kind, nor is there any money involved yet. This is fiction writing. I enjoy it as a hobby and would love to be published and do it full-time but that's very rare to do and even if there's never any money, I'll keep doing it for fun.

Here's my question/idea:

Can I deduct expenses from Activities 2 and 3 against my 1099 income from Activity 1?

I think the answer is "maybe" and here's the assessment I've done based on some research over the years:

a) I probably need to declare all 3 business "units" as separate with respect to revenue and expenses. So I probably can't write off expenses from Activity 3 against Activity 1.

b) If I keep Activity 1 as a sole prop and Activity 3 as a sole prop, I might be able to merge the revenue/expenses on the same tax return. I assume it's just "add up all revenue from all sole prop activities and add up all expenses from sole prop activities". I don't think I'll need to separate them, however I would need to prove that I have the professional ability to actually be a professional writer and count that as a non-hobby. Without going into full details and boring people, there's a chance I could make a moderate-strength case that I have the coursework/training to be a professional writer.

c) I've read that the IRS allows you to deduct the expenses from a failed business against other income, assuming you can prove it's a legitimate business and not a hobby. As I mentioned in Activity 2 above, I'm 99% sure I can prove it's a legit business, because I have an industry certification to perform the specific professional service, and I have a legit looking business plan/marketing feasibility study. I've also read something to the effect that if the business fails year after year to earn a profit, I have to demonstrate that I've made changes to the business plan, as a real business would that is failing, to try to become profitable by mitigating whatever caused the failures. I think I can do that as well.

I will say that Activity 2 is a VERY expensive hobby. I'd like to turn it into a cheaper hobby by declaring it a legitimate business and deducting expenses.

Activity 3 is a very CHEAP hobby, but I'd like to travel to writing workshops/conferences if I can deduct that as an expense against my primary source of income.

Anyone here have experience doing anything like this? Where you have one primary source of income for 99% of your work but have a few things you really enjoy doing, but aren't really making money, but figured out how to create "legitimate" businesses around them for tax deduction purposes?
Tax Deals
How to get out of underwater car (lemon) loan?
Added on : Friday September 13th 2013 11:00:07 AM
g: 0 Posted By: madfishmonger
Views: 107 Replies: 2 I have a 2007 Mini CooperS that has had catastrophic engine failure twice due to a defective part- the tensioner that supports the timing chain. For this reason it's in the shop again and after a lengthy process Mini is shouldering 50% of the cost- last time it was 80%. I'm looking at about $2-3k in repair after that deal- not something I have in the piggy bank. I still owe $10k on it w/ $400/mo payments, haven't driven it since December. I want out of the loan- everyone says let it be repo'd but I've put a lot of time into restoring my credit health (which isn't perfect enough to just finance something else outright- and, I'm a 1099 employee- last time I tried to trade in, rejected by all banks on that basis). I tried to trade it in once but as a 10-99 worker I couldn't get a loan, despite my income. I'm about to enter a 1-2mo. employment gap and need expedient, sound, and legal [as in within the law- YANML and I'm not asking for litigious help] advice. Thanks in advance!
Personal Finance Deals
Trademark Global Star Projector Light $10.73 at Wayfail.com
Added on : Friday September 13th 2013 12:00:03 AM
g: 0 Posted By: Ayla
Views: 161 Replies: 0 http://www.wayfair.com/Trademark-Global-Star-Projector-Light-72-...


List Price:$16.78
Price: $10.73

You Save: $6.05



Bring the tranquility and peace of the night sky to your very own room! Youll be able to enjoy the beauty of the stars and in the comfort of your home year round with the amazing Star Master Projector Light. Use the star button to project white stars on your walls and ceiling and bring dynamic colors to the display with LED button.

Transform your room into a fantastic display of starlight and color with the Star Master Projector Light.

Features include:

Star Lighting Mode: Projects White Stars on Your Walls and Ceilings
LED Lighting Mode: Projects Red, Green and Blue
Requires 3 AA Batteries (not included)
Dimensions: 4.25 x 4.25 x 4.625 inches


Decor Deals
BIG, HUGE DOCUMENT LEAK! Fed's 2008 AIG & bailout docs leaked! 3GB worth!
Added on : Monday September 09th 2013 04:00:09 PM
g: -1 Posted By: greling
Views: 205 Replies: 2 Sometimes, you've got to LOVE anonymous hackers!
This is a HUGE leak! I'm sure they're going to seriously ream whoever did this, if they manage to catch them!

Source link
#AntiSec said: 3GB of confidential emails and documents from the 2008 AIG Meltdown, Federal Reserve of New York boardmembers, New York Federal reserve chair Timothy Geithner (Kissinger Associates, Bilderberg, Council on Foreign Relations), Goldman Sachs, Maiden Lane II and Maiden Lane III toxic assets transactions and much much more documenting the $182 billion dollar "bailout" of AIG - the biggest financial fraud in history! Too Big To Fail? More like Too Big To Keep Secret! And may Wall Street forever be Occupied!


I can't wait to see this on the news real soon!

Direct link to docs
Discussion Deals
g: 0 Posted By: remick
Views: 251 Replies: 0 My Mission in Finland and the Baltic
http://www.amazon.com/My-Mission-Finland-Baltic-ebook/dp/B00EXRB2OY

This is the first English translation of the 1920 war memoir of German Army General Rdiger von der Goltz (1865-1946). In 1918 he was sent from the Western front of World War I to intervene in the Finnish civil war, aiding the nationalist White Guards against the Reds. With a division under his command, he helped the Whites secure a quick and complete victory in Finland. This was the high-water mark of German success, as Russia, in the chaos of revolution and civil war, had surrendered vast stretches of conquered territory.

When its last great Western offensive failed, though, Germany also collapsed into revolution and sued for peace in November. As Bolshevik forces surged westward from Russia into the newly independent Baltic States and Poland, the victorious Entente powers, fearing the spread of communism, allowed German defensive forces to remain in the East.

In February 1919 von der Goltz landed in western Latvia into what he called a "witches' cauldron" of contending forces. Heading a corps of local Baltic Germans and nationalist Freikorps volunteer units from Germany, von der Goltz won substantial victories against Red forces; however, he then expanded his defensive mission and strove to carve out a German sphere of influence in the Baltic, in hopes of capturing Petersburg and replacing the Bolshevik regime with a pro-German White Russian government. In this he was thwarted.

After his forces were driven from the Baltic in late 1919, von der Goltz, deeply embittered, sided with right-wing forces hoping to overthrow the democratic Weimar German government; later he became a supporter of Hitler and the National Socialist regime. While this memoir is an important historical document for our understanding of 20th-Century Central and Eastern European history, it is also a fascinating story in its own right.

Great Naval Commanders Of The First World War.
http://www.amazon.com/dp/B0088B04CC

At Scapa Flow, the British Grand Fleet blocked Germanys exit to the Atlantic. From the German ports, the High Seas Fleet waited to pounce on any British ship that left the safety of its home port.

But did these great fleets have great commanders to match the challenge they faced?

This book tells the story of how admirals Beatty, Hipper, Jellicoe and Scheer struggled to find strategic success in the new world of high-speed ships and long-range gunnery. They expected one almighty battle at the start of the war. Instead they found skirmishes and raids.

In this brilliant history of the First World War at sea, we see the main events of the naval war Heligoland Bight, Dogger Bank, Jutland, the east coast raids and the U-boat war through the eyes of the participants. There is dash and caution, courage and feint-heartedness, feats of brilliance and tales of missed opportunities.

Never before has the naval war been seen as here. We meet the dashing Beatty, the cautious Jellicoe, the disciplined Scheer and the single-minded Hipper as they struggle to bring their adversary to battle. We read of their hopes, fears and rivalries. And we see how each faced the disappointments and disasters that are the nature of war at sea.

Each man saw his command as his one chance to prove his greatness and to gain glory and honour for his country.

But which one was the greatest?
Books & Magazines Deals
g: 0 Posted By: remick
Views: 81 Replies: 0 http://www.amazon.com/My-Mission-Finland-Baltic-ebook/dp/B00EXRB2OY

This is the first English translation of the 1920 war memoir of German Army General Rdiger von der Goltz (1865-1946). In 1918 he was sent from the Western front of World War I to intervene in the Finnish civil war, aiding the nationalist White Guards against the Reds. With a division under his command, he helped the Whites secure a quick and complete victory in Finland. This was the high-water mark of German success, as Russia, in the chaos of revolution and civil war, had surrendered vast stretches of conquered territory.

When its last great Western offensive failed, though, Germany also collapsed into revolution and sued for peace in November. As Bolshevik forces surged westward from Russia into the newly independent Baltic States and Poland, the victorious Entente powers, fearing the spread of communism, allowed German defensive forces to remain in the East.

In February 1919 von der Goltz landed in western Latvia into what he called a "witches' cauldron" of contending forces. Heading a corps of local Baltic Germans and nationalist Freikorps volunteer units from Germany, von der Goltz won substantial victories against Red forces; however, he then expanded his defensive mission and strove to carve out a German sphere of influence in the Baltic, in hopes of capturing Petersburg and replacing the Bolshevik regime with a pro-German White Russian government. In this he was thwarted.

After his forces were driven from the Baltic in late 1919, von der Goltz, deeply embittered, sided with right-wing forces hoping to overthrow the democratic Weimar German government; later he became a supporter of Hitler and the National Socialist regime. While this memoir is an important historical document for our understanding of 20th-Century Central and Eastern European history, it is also a fascinating story in its own right.
Books & Magazines Deals
NCUA Warns Federal Credit Unions About Open Membership
Added on : Saturday September 07th 2013 09:00:12 PM
g: 2 Posted By: NEDeals
Views: 86 Replies: 1 The National Credit Union Administration, a federal agency based in Old Town Alexandria, Virginia has sent a letter to federal credit unions warning them against open membership policies. They seem unhappy the credit unions are advertising that their credit union is available to all via relaxed membership policies or a field of membership that contains access easily obtainable by all. This could make it much more difficult to join some credit unions (e.g. State Department, PenFed, DCU, etc.) that heavily advertise for new members. Credit union members are supposed to have common bonds and the NCUA states guidelines for associations that are used in a field of membership, including paying dues, having meetings etc. .

As the NCUA is a federal agency and thus its works are not copyrightable, here is the text of the letter which is also available at
http://www.ncua.gov/Resources/Pages/LFCU2013-03.aspx
NCUA LETTER TO FEDERAL CREDIT UNIONS
NATIONAL CREDIT UNION ADMINISTRATION
1775 Duke Street, Alexandria, VA 22314
DATE: September 2013 LETTER No.: 13-FCU-03
TO: All Federal Credit Unions
SUBJ: Potential Violations of Common Bond Advertising Requirements

​Dear Board of Directors and Chief Executive Officer:
If your credit union is advertising that anyone, without limitation, is able to become a member of your credit union, then you may be in violation of federal law and regulation.

Some overly aggressive marketing campaigns by federal credit unions to facilitate membership through associational groups are providing consumers with misleading information about single and multiple common bond membership requirements.

NCUA is particularly concerned about advertising by federal credit unions stating their fields of membership are open to anyone. Several recent examples of such overly expansive advertising focus on becoming a credit union member by first joining a particular association. Mainstream financial publications have picked up on this message, as evidenced by recent articles listing federal credit unions perceived to have open membership. This gives the false impression that there are no restrictions on joining a federal credit unionwhich is not the case.

In light of these issues, this letter is intended to remind you of the:



Common bond requirements in the Federal Credit Union Act and NCUA rules;



Requirements for accuracy of advertising in NCUA rules; and


Consequences of failing to comply with these requirements.


Common Bond Requirements
Section 109(b) of the Federal Credit Union Act limits federal credit union membership to three basic types single common bond, multiple common bond, and community: 1

A single common bond credit union consists of persons related by their occupation, (i.e., their place of employment or trade, industry or profession), or related by their association (i.e., place of worship or affiliations).

A multiple common bond credit union consists of more than one group of persons related by either their occupational or associational affiliations.

NCUA rules, specifically the Chartering and Field of Membership Manual, 2 explain the requirements for the associational common bond. 3 NCUA determines whether a group satisfies the associational common bond requirements based on a totality of the circumstances test, which has the following seven factors 4

1) Whether members pay dues;

2) Whether members participate in the furtherance of the goals of the association;

3) Whether the members have voting rights;

4) Whether the association maintains a membership list;

5) Whether the association sponsors other activities;

6) The associations membership eligibility requirements; and

7) The frequency of meetings.

NCUAs Office of Consumer Protection has begun conducting quality control reviews of federal credit unions that may be improperly using associations to sign up members without a common bond.

Advertising Requirements

Section 740.2 of NCUAs Accuracy of Advertising rule prohibits any advertising or representation that is inaccurate or deceptive. Advertisements that include language to the effect that anyone can join or membership is open to everyonewithout any qualifying languagecan give the impression that the Federal Credit Union Acts single or multiple common bond requirements do not apply. When this occurs, the advertisements are inaccurate or deceptive.

Please review your credit unions advertising and promotional practices and ensure all current and future materials accurately portray membership eligibility.

Consequences of Non-Compliance

The Federal Credit Union Act provides NCUA with a broad array of supervisory and administrative tools to enforce the law and rules. Depending on the degree of non-compliance, NCUA may initiate a supervisory contact, require a federal credit union to divest an associational group from its field of membership, and/or issue a Cease and Desist order.

The tool NCUA chooses will depend on a variety of factors including the severity of a particular violation, available methods to rectify a violation, and the extent of a federal credit unions cooperation.

Upholding the membership standards of every federal credit union charter is essential to maintaining the integrity of the federal credit union system.

If you have any questions about NCUAs common bond or advertising requirements, please contact the Office of Consumer Protection at 703-518-1140 or OCPMail@ncua.gov.

​Sincerely,

/s/

Debbie Matz
Chairman

1 12 U.S.C. 1759(b). Community credit unions serve persons and organizations within the boundaries of a well-defined local community, neighborhood, or rural district.
2 12 C.F.R. 701, Appendix B.
3 12 C.F.R. 701, Appendix B (Chapter 2, Section III.A.1). A single associational common bond consists of individuals (natural persons) and/or groups (non-natural persons) whose members participate in activities developing common loyalties, mutual benefits, and mutual interests.
4 12 C.F.R. 701, Appendix B (Chapter 2, Section III.A.1). The Chartering Manual notes specific examples of categories of groups that may or may not qualify as having an associational common bond.​
National Credit Union Association


Office Depot rebate software for the week of 09/08/2013
Added on : Thursday September 05th 2013 07:00:02 PM
g: 0 Posted By: bpvh
Views: 46 Replies: 0 Office Depot rebate software for the week of 09/08/2013


QuickBooks Online Simple Start For PC/Mac [826-207] $89.99
FREE After $10 Instant & $90 Mfr. Mail-In Savings


McAfee Total Protection 1 PC [830-743] $54.99
$8.99 After $5 Instant & $46 Mfr. Mail-In Savings


McAfee Internet Security For 3 PCs [830-698] $63.99
$11.99 After $6 Instant & $52 Mfr. Mail-In Savings


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

****ALERT ON SYMANTEC/NORTON REBATES****

Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================

The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK

====================
Software Deals

Office Depot Coupons
Generac 6321 Onewash $380 with 10% coupon free shipping from lowes.com
Added on : Monday September 02nd 2013 12:00:03 PM
g: 0 Posted By: zzhangblue
Views: 223 Replies: 0 Sorry my first post was failed due to website issue. PLEASE GIVE ME A GREEN if you like it!

Original price is $449. Here is the link from Amazon.com amazon link

Lowe's link:


According to Lowes. You save 11% thru 09/02/2013, so the price is $399

You can get extra 10% Lowes coupon from free bay free delivery!
OneWash Variable PSI (2000-3100) Pressure Washer
Item #: 101617 Model #: 6321 $359.10 1 $359.10

Tools Deals

Lowe's 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
g: 0 Posted By: remick
Views: 90 Replies: 0 http://www.amazon.com/American-Trophies-Surrendered-Washingtons-ebook/dp/B00E5SR1KU

5.0 out of 5 stars with 13 reviewa

The story of American heroes kept by our country's enemies and Washington's failure to recover them reads like a cross between a spy thriller and political expose. It uncovers decades of secrets and incompetence, right up to the Obama Administration, and reveals how Moscow, Beijing, and Pyongyang continue to thwart America today.Based on years of research around the world by an investigative historian and former Special Forces officer teamed with the POW/MIA expert son of a missing Korean War flyer, it is by turns both enthralling and upsetting.This book rips the lid off one of the most disturbing scandals in modern US history.As you read the book, join our community to help with investigations the Pentagon and CIA can't -- or won't -- do themselves. Decipher names on declassified documents, track down Chinese and Russian officials and identify POWs in captured enemy film: cynicalattitude.com
Totally Free Deals
Question about IRS no penalty for not paying healthcare tax mandate
Added on : Wednesday August 28th 2013 06:00:21 AM
g: 0 Posted By: KingCheap
Views: 121 Replies: 3 Could accountants and tax experts answer this question? First, I refer to this article about the final regulations just published by the White House in regards to the individual healthcare mandate tax penalty: http://www.forbes.com/sites/theapothecary/2013/08/28/white-house-publishes-final-regulations-for-obamacares-individual-mandate-seven-things-you-need-to-know/

Quote from article:
4. "The IRS cant go after you if you dont pay the fineSection 1501(g)(2) of the Affordable Care Act specifies that the IRS cannot subject taxpayers to any criminal prosecution or penalty for refusing to pay the mandate fine. Also, in contrast to normal tax levies, the IRS cannot file notice of lien with respect to any property of a taxpayer by reason of any failure to pay the penalty imposed by this section.Basically, the only thing the IRS can do to make you pay the mandate fine is to withhold it from your tax refund, if youre due one. So if you carefully calibrate your withholdings, such that you arent due a refund at the end of the year, the IRS has no way to collect the mandate fine."- Forbes

Question for accountants and tax experts: Let's say when a person files their 2014 tax return (example: $25,000 yearly salary) and they did not have insurance and they also don't have the money to pay the tax penalty 1% of income (2014), 2% (2015), 3% (2016) and they expect no refund, but may have to even pay $50 to Fed. So, they see $50 must be paid for the normal taxes owedand then the additional $250 obamacare tax mandate is also listed there. They send a check for $50, but don't pay the mandate. Can the IRS be sneaky and say that they took $250 out of your taxes you paid from your salary (normal fed withholding)to put towards the mandate and now you owe $250 for the normal federal taxes or is the mandate completely separate and cannot be from your salary withholding for federal taxes?

Tax Deals
Lowe's Credit Card vs Extended Warranty
Added on : Wednesday August 28th 2013 02:00:09 AM
g: 0 Posted By: welookgoodcom
Views: 98 Replies: 1 I am looking to purchase a bunch of appliances for $$$ such as a refrigerator. Am I better off using the Lowe's card for 5% off or one my premium CCs such as Chase Sapphire/Ritz CC for an extra year of warranty?Assuming fridge is 1500 it's $75 off..

Another option: A 2 yr extended warranty from Lowe's is $90.. So basically save the $75, pay another $15 and get another year of coverage. Either way I'm curious what others do.

2-Year Major Appliance Extended Protection Plan ($1500+)

We'll reimburse you for food spoilage from the date of plan purchase up to $150 per claim (unlimited) In CA, food spoilage is limited to $250 per year
If your appliance requires a fourth repair for the same major failure within a 12-month period, we'll replace it
If your appliance fails and re-installation is required, we'll cover the cost
We'll cover necessary repairs due to normal wear-and-tear
We'll cover repairs due to power surge, from day one
Lowe's Appliance plans start after manufacturer's parts-and-labor warranty ends
Lowe's Protection Plans can be transferred with the product
No hassles, deductibles or hidden fees

Question Deals
Igloo 10.0 Cu. Ft. Top-Freezer Refrigerator @ Best Buy - $199.99 - FS
Added on : Sunday August 25th 2013 03:00:04 PM
g: 1 Posted By: Farfisa850
Views: 340 Replies: 1 Igloo 10.0 Cu. Ft. Top-Freezer Refrigerator @ Best Buy - $199.99
was $399.99
Free Shipping!About $100 off anyone else online and easy to return if it fails to impress! Fair to good reviews around the web and an estimated yearly operating cost of $33. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Appliance Deals

Best Buy Coupons
g: 0 Posted By: bpvh
Views: 181 Replies: 0 Office Depot rebate software for the week of 08/25/2013(McAfee titles $9AR and $15AR)


McAfee AntiVirus Plus [830-644] $54.99
$8.99 After $5 Instant & $46 Mfr. Mail-In Savings


McAfee Total Protection For 3 Users [830-788] $72.99
$14.99 After $7 Instant & $58 Mfr. Mail-In Savings



====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

****ALERT ON SYMANTEC/NORTON REBATES****

Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================

The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK

====================
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g: 4 Posted By: archena
Views: 414 Replies: 0 The End of the Euro: The Uneasy Future of the European Union [Kindle Edition] was $24.95

Johan Van Overtveldt (Author)

Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

http://www.amazon.com/dp/B0066A8PAA

Publication Date: November 9, 2011

Publisher: Agate B2

6 Reviews★★★★.5
#1 inKindle Store > Kindle eBooks > Business & Investing > Economics > International

The End of the Euro begins with an overview of the birth of the euro itself. Understanding this history is essential to understand the anomalies built into the project from the beginning. These anomalies form the subject of chapter two, along with how they led to the situation that turned Greece, Portugal, and Spain into euro-destroying economic disaster areas. Chapter three shows how this was not an unforeseeable situation, as Europes history is filled with earlier failed attempts to build monetary unions. Chapter four is focused on Germany, by far the most important country within EMU, and why the chances of Germany leaving the union are much higher than is generally assumed. The book concludes with an analysis of what lies in wait for the remains of the monetary union and for a deeply divided and troubled continent in general. Either the EMU transforms itself fundamentally or it disintegrates.About the Author Johan Van Overtveldt is the editor in chief and managing director of Trends, Belgium's leading weekly on business and economics. He has published several books in Dutch and contributes to The wall street journal Europe and other publications. Also the author of Bernanke's Test and The Chicago School, he lives in Brussels.


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g: 0 Posted By: stubotz
Views: 25 Replies: 0 Looks like a great deal - $100 cheaper than the same refurb at BB. Similar price to TD, but less expensive service plan option. A refurb this big with a good service plan shipped home is a solid price.Walmart Linky: Toshiba 65HT2U 65" 1080p 120Hz Class LCD HDTV, RefurbishedThink you need to break your budget to enjoy blockbuster HD entertainment? Not with the Toshiba 65" 65HT2U Class LCD HDTV. This big-screen television looks great and is perfect in any living room, family room or home theater.Toshiba Refurbished 65HT2U 65" 1080p 120Hz Class LCD HDTV: 65" LCD panel
With a 1920 x 1080 Full HD resolution
True 16:9 aspect ratio
View your movies as the director intended on this refurbished Toshiba 65" LCD HDTV
Built-in digital tuner
Watch digital broadcasts, including HDTV programs where available
HDMI Inputs: 3
Enjoy a superior HD experience with HDMI, the one cable audio/video solution
64.6" screen measured diagonally from corner to corner
This 1080p 120Hz LCD HDTV is wall mountable
VESA standard 400mm x 400mmOptional Service Plan
3 Year Service Plan for Refurbished Televisions $700 - $999.99Get long-term peace of mind for your Refurbished Television with a Product Care Plan. If your product has a covered failure during the Plan's term, we'll repair or replace it. We cover 100% of the repair costs. There are no deductibles or hidden fees.
3 years of protection for your Refurbished Television begins the moment you purchase your Plan.We enhance and extend the manufacturer's warranty.*Our Product Care Plan provides more coverage than the manufacturer's warranty, such as failures due to: Pixel burnout
Failed remote controls
Power surges
Defects in materials and workmanship
Mechanical or electrical failures, including those due to normal wear and tear
Internal heat, dust and humidityThis plan provides 3 years of coverage from the date of purchase. $116This plan provides 4 years of coverage from the date of purchase. $1612% FW CashBack too!
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Incorrect refund from Avis (car rental) - any suggestions?
Added on : Thursday August 15th 2013 06:00:10 PM
g: 0 Posted By: medion
Views: 182 Replies: 0 This one is pretty straight forward, just want to see if others concur. Attempted to rent a car with a $20 coupon code. Rental price was $90.32 before code. After putting in the code, it was $66.33 (apparently the code is applied pre-tax). $66.33 was the final price at checkout. After checkout, I got confirmation that I had just paid $90.32.I called them the next morning, as canceling online would incur a $25 penalty. They agreed to refund the entire $90.32 (she stated this amount to the penny) and I would re-reserve that night. I got home and did in fact reserve at $66.33 with the coupon code. My credit card showed both pending charges ($90 and $66). Today, they cleared, and I was refunded $65.32. In other words, I incurred the $25 penalty.My plan is to call them back tomorrow during business hours and give them a second chance. If that fails, chargeback. My only concern then is how that would affect my other rental. So, any advice differing from this would be appreciated.
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g: 0 Posted By: archena
Views: 828 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Life of an American Sniper Chris Kyle : The Extraordinary life of Most Lethal American Sniper Chris Kyle [Kindle Edition] was $9.99P.S. James (Author) http://www.amazon.com/dp/B00EGPIL60Publication Date: August 10, 20131 Review ★★★★★#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Military & SpiesThe Life of an American Sniper Chris Kyle : The Extraordinary life of Most Lethal American Sniper Chris KyleChris Kyles story and that of any human being who dies senselessly before the age of 40 is a tragic one. Chris Kyle was a young man with a history of bravery and service to his country. The story of Chris Kyle's life and the life of his killer collided, bringing to light war and its effects on young men and women. When considered, Chris Kyles life brings up many of the hot button issues on the minds of Americans today. One only need turn on the television Sunday morning to hear the debate of gun violence, mental illness and the systems which fail to help those in need.Chris Kyle was a mythical figure to many who followed Chris Kyle's story. Chris Kyle was counted on as a protector to many including the wife and two children Chris Kyle left behind. Chris Kyle was a devoted family man, mentor and a lethal sniper in service to his country.Chris Kyles life and death peel back as an onion beginning with his birth and proceeding to Chris Kyle's harrowing war experiences culminating in his death.
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g: 0 Posted By: OkieDokiePoke
Views: 216 Replies: 1 Dysfunctional Auto-Pay and Fraudulent NSF Fees
My rent has been paid, without issue, using auto-pay from checking. Recently, I renewed the lease. Termination month's rate would be pro-rated new/old rate. When the new lease was signed, agent assured me auto-pay would handle pro-rate and charge accordingly. Month in question, I confirm debit to my checking, but amount is 'too small' only represents first 2/3 of month (old rate). Immediately call agent to check status and am told the account is in good standing with no outstanding balance. I logged into my online account to corroborate and account shows no outstanding bills. Subsequently, next month's rent was paid in full without any issue.However, recently received a notice of overdue balance and more importantly they charged me a NSF fee. The notice stated "ACH returned, plus NSF fee." I asked for transaction ID/s or some 'proof' that they actually attempted, but were declined payment. I checked with my bank and they never attempted to charge my account for the amount in question. How can they charge me a NSF fee? The issue was their system failed to bill me properly. Oddly enough, now that this 'inflated' bill is 'in the system' their auto-pay is going to 'correctly' debit my account for the balance due + NSF fee. I'm obviously contesting this with management, but curious what if any recourse I have otherwise. How I see it there are at least three issues: (1) auto-pay / billing system did not function adequately resulting in non-payment, (2) fraudulent fee charged for NSF when no debit even attempted and (3) auto-pay system subsequently debiting account for disputed, fraudulent fee without my consent.I did convince the young agent to print me off the e-mail chain from the accountant telling local management to "please NSF before month-end."Credit Card Surcharges / Convenience FeesAlso, I have a question about convenience fees. I live in Oklahoma where there's legislation against CC surcharges. Apartment charges a fixed $20 fee for CC and one-time ACH payments (all online), but for recurring ACH (online) no such fee is charged. My understanding of the legislation is that they can tack on a fixed (not variable) charge for all payments made via an alternative gateway. However, seems to me that NOT levying the surcharge for recurring payments would negate their protection. They either need to charge the fee for ALL online payments or NONE of them. Paying in person via check, money order incurs no fees or discounts. I would appreciate any guidance regarding particular statutes and/or regulatory bodies that I should file a complaint with.
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g: 0 Posted By: archena
Views: 29 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Life of an American Sniper Chris Kyle : The Extraordinary life of Most Lethal American Sniper Chris Kyle [Kindle Edition] was $9.99P.S. James (Author) http://www.amazon.com/dp/B00EGPIL60Publication Date: August 10, 20131 Review ★★★★★#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Military & SpiesThe Life of an American Sniper Chris Kyle : The Extraordinary life of Most Lethal American Sniper Chris KyleChris Kyles story and that of any human being who dies senselessly before the age of 40 is a tragic one. Chris Kyle was a young man with a history of bravery and service to his country. The story of Chris Kyle's life and the life of his killer collided, bringing to light war and its effects on young men and women. When considered, Chris Kyles life brings up many of the hot button issues on the minds of Americans today. One only need turn on the television Sunday morning to hear the debate of gun violence, mental illness and the systems which fail to help those in need.Chris Kyle was a mythical figure to many who followed Chris Kyle's story. Chris Kyle was counted on as a protector to many including the wife and two children Chris Kyle left behind. Chris Kyle was a devoted family man, mentor and a lethal sniper in service to his country.Chris Kyles life and death peel back as an onion beginning with his birth and proceeding to Chris Kyle's harrowing war experiences culminating in his death.
ON SALE: Forzieri - Striped Slim Fit Cotton Dress Shirt
Added on : Saturday August 10th 2013 09:00:13 AM
A classic blue and white pencil striped button down never fails to see the job through. A cotton blend perfect for business or leisure attire. Finished with hand sewn mother of pearl buttons in off-white. Made in Italy.
g: 0 Posted By: bonghead
Views: 20 Replies: 0 Airfare consolidators tend to omit flights that connect to trains from their searches. In other words, most of these "aerodrome" codes for train stations yield nothing on most travel sites. Exceptionally, itasoftware.com finds such "rail flights". However, ita often fails to find inventory when specifically queried. e.g. ita finds nothing when XRF is the sole departure airport. But if the departure airport includes the whole region, then it finds a mix of both rail flights and pure flights. Clearly there are some bugs in ITA. Also, some inventory is completely missing from ITA (e.g. ZMB is not even recognized).So besides ITA, what else is there?
Railway Deals
g: 0 Posted By: tedhawkins
Views: 55 Replies: 0 Guns - ICE Arms EXO NiB M-16 Stripped Bolt Carrier (MSRP $99.00) $67 Shippedhttp://www.gearhog.com/Deal Overview
The product is an m16 Nickel Boron Fail Zero plated carrier
M16 Bolt Carrier made with 8620 steel and coated with Fail Zero's EXO Nickel Boron finish for a slick finish that does not require lubrication and is good for 20,000 rounds.This carrier will give you thousands of rounds of continuous use without the hassle of continuous cleaning due to its natural lubricious properties.Legal Notes:
Any purchases and purchasers of this offer agree and declare that they do legally own a registered M-16 and/or a registered Short Barreled Rifle and these components are replacement parts for them. I understand that all NFA rules apply and I will abide by the rules of the BATFE. I am aware of all the legal ramifications that accompany installing these components in or on an AR-15 Lower. I hold Gearhog harmless for any legal issues that may arise due to my purchasing and utilizing these components. I certify that I will not break any federal, state, or local laws by acquiring and/or using these components in my legally registered firearms. Any and all questions, comments, or inquiries concerning legality of usage or ownership should be directed to the BATFE http://www.atf.gov/firearms/industry/
g: 1 Posted By: remick
Views: 136 Replies: 0 http://www.amazon.com/Panzer-Wedge-Barbarossas-Stackpole-ebook/d...How the exploits of panzer troops were reported on the German home front
Covers the 3rd Panzer Division from its breakthrough of the Stalin Line until its halt outside Moscow
Contains original articles by war correspondents who witnessed the battles
Detailed analyses and context provided by two panzer experts
First time in English
#1 in Kindle Store > Kindle eBooks > History > Europe > GermanyAlso free today in WWII History
Semper Four [Kindle Edition]
http://www.amazon.com/Semper-Four-ebook/dp/B00ECC3C9S
An oral history of four Marines. Nick Paciullo, a veteran of the 4th Marine Division, fought on Saipan, Tinian and Kwajalein. Bob Hamant spent a year on the island of Tinian. Bill Scheiterle was wounded on Peleliu. Jerome Auman served as an MP in American Samoa and in anti-aircraft artillery in the Philippines. Aaron Elson is one of America's premier oral historians of the Greatest Generation.
#1 in Kindle Store > Kindle eBooks > History > Military > World War II
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g: 0 Posted By: bpvh
Views: 202 Replies: 1 Office Depot rebate software for the week of 08/11/2013 (McAfee titles $10AR and $15AR)
This is a bit odd but the same McAfee titles that were in the last two-week offer are in this two-week offer as well.
McAfee Internet Security 2013 [830689] $45.99
$9.99 after $4 Instant & $36 Mfr. Mail-In Savings
--- http://forms.young-america.com/133386_MC71-415-2013-08-08.pdf
--- rebate #13-74972 (two previous weeks was #13-74626)
--- valid 08/11/13 and 08/24/13McAfee Total Protection For 3 Users [830788] $72.99
$14.99 After $7 Instant & Before $58 Mfr. Mail-In Savings
--- http://forms.young-america.com/133379_MC71-413-2013-08-08.pdf
--- rebate #13-74363 (two previous weeks was #13-74364)
--- valid 08/11/13 and 08/24/13
====================****ALERT ON McAfee REBATES****McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.====================
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Office Depot Coupons
g: 0 Posted By: pokerplyer
Views: 0 Replies: 0 My father received treatment at a hospital earlier this year that required surgery and a week long stay at the hospital. About a month later, he received explanation of benefits statements from his insurance company stating that the entire surgery and hospital stay would not be covered due to the hospital failing to obtain prior authorization. The insurance company told me that it would be willing to review the claims and cover them under a process known as retroactive authorization (where the hospital would submit clinical paperwork for review).I contacted the doctor's office to find out what went wrong, and his assistant (who I believe was supposed to have obtained the prior authorization in the first place) had no idea what was going on and pointed her finger at someone called the surgery scheduler as being responsible for obtaining prior authorization. Of course, the surgery scheduler also had no idea what was going on. At this point, I was more concerned about obtaining the retroactive authorization, and the assistant eventually introduced me to a financial counselor who would be able to straighten things out.I sent the financial counselor the explanation of benefits statements after explaining to her how to start the process of obtaining retroactive authorization. The financial counselor told me that it would typically take 30 days to complete the process. When I first heard this, I thought it was strange as a customer service representative from the insurance company told me that the process typically took around a week after receiving the paperwork, but I didn't question it as I assumed she was busy and thus was quoting me a generous timeframe.Fast forward a month later, and I email her asking her for a status update on the retroactive authorization process. She informs me that she would contact the business office (has anyone working in healthcare ever heard of this term) and get back with me. Several days later, she still has not responded back, and I thought about writing this on Fatwallet Finance to ask for advice but decided to email her one more time. This time, she responds and tells me that she has provided the business office with the copies of my father's explanation of benefits statements and that I should contact her in 30 days to check again on the status. I find this reply absolutely appalling because it implies that she has done nothing in the past month to resolve this issue. In fact, her wording suggests that she only started working on the retroactive authorization process after I emailed her for the status update. The other problem is that my father has already received the hospital bill for one of the claims that the insurance company was not willing to cover. According to the bill, he is responsible for the portion the insurance company did not cover. I'm not entirely familiar on how much time you have to pay a medical bill, but I don't want my father to be stuck with a 6 figure bill that the insurance company would have paid if someone at the hospital had not dropped the ball in the first place. Based on everything that has happened so far, I am very worried that this will eventually happen. What is the best course of action to take here? At this point, I honestly do not think the employees at this hospital will get this straightened out without my constant intervention, and I don't see why it is so difficult for them to accomplish a simple task. I need to get the ball rolling. For those who have had a similar experience:1) Am I speaking with the wrong person? Should I be speaking with another person to get the ball rolling? For example, should I contact the hospital's CEO and request his assistance or is there a specialized department that can help me?
2) I haven't replied to her response yet, and I strongly feel that I need to challenge the financial counselor on why nothing was seemingly accomplished/why the process will take so long when the insurance company itself quotes a much shorter timeframe.
3) Is there a way to delay the hospital bills until the insurance issue has been resolved?Thank you for reading my lengthy post, and I would appreciate any help/advice.
g: 2 Posted By: archena
Views: 250 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Master Key to Asia: A 6-Step Guide to Unlocking New Markets (The Master Key Series) [Kindle Edition] was $9.95David Clive Price (Author) http://www.amazon.com/dp/B00CPR2BN0Publication Date: May 8, 201310 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Reference > EtiquetteHave you thought about launching or developing your business in Asia but you can't seem to fully grasp the way business is done? Are you already operating in one Asian country but you're worried about getting into the business culture of another?Well you aren't alone! Research shows that the majority of business people going into Asia, including CEOs and senior executives, have no experience of an Asian country, don't speak a word of an Asian language and have made no adequate preparation for knowing the culture (s). They think Asia is one big region and anyway the business environment and mind-set are pretty much the same as their own. They can pick up the 'touchy feely' stuff later.The result is that they find themselves excluded from or trailing the competition because of simple cultural mistakes and poor communication. Companies waste MILLIONS of dollars in lost productivity, failed deals, ill-conceived strategies, and loss of goodwill simply because they don't understand the business etiquette, customs and traditions of the Asian country in which they operate or intend to operate.The Master Key to Asia is based on David Clive Price's experience of giving strategic communications advice to many Asian multinationals and of the challenges of setting up his own business in various Asian countries.This quick read 100-page book provides a step-by-step guide into the personal world of Asian business with Action Points and simple exercises to help the reader along the way. The cultures and business customs of 13 individual Asian countries are examined in detail, but there are also chapters on the Importance of Culture in International Business, the Basics of Asian Business Etiquette, Building Asian Leadership Skills, Asian Values, and The Road Map to Greater Success.Readers of this book will learn how to:* Enhance efficiency by understanding the impact of cultural differences
* Eliminate cultural mistakes and blunders to raise performance
* Communicate and present successfully to international audiences and clients
* Build enduring relationships in Asia based on trust and credibility
* Leverage cultural knowledge to build strong cross-border partnerships
* Learn vital networking and negotiating skills in diverse culturesWith this first book in his innovative Master Key series, David Clive Price offers a clear path to transforming your companys abilities to meet the challenges of the Asian Century.
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Debt Validation Letter - No Reply, Now What?
Added on : Sunday August 04th 2013 07:00:11 AM
g: 0 Posted By: abracadabra1
Views: 75 Replies: 2 In June, I received a collection notice from an agency that works for a state expressway authority. It essentially states that I owe X amount in unpaid tolls and that they have been authorized to collect the amount. I don't recognize the amount, nor did I ever receive any notice of unpaid tolls from the state. However, I am in the military and have legal residence in this state (FL), but am permanently stationed elsewhere (VA); so those notices may have mistakenly been sent to my permanent address on file with the state (FL), vice the mailing address (VA). Although this scenario is possible, it is not likely because I have received other notices from the state at my mailing address. I sent a letter requesting validation of the debt on 22 June via certified mail, but have received no response from the collection agency. What's my next step? Do I send a second letter? Do I ask for a copy of the account deletion request that was referenced in my letter? This supposedly delinquent account does not appear on any of my credit reports.I used a prefabricated letter that I found on a debt validation site and included the following phraseology:
"If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately."Any help/insight is appreciated.
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20% off Amazon purchase ($20 max discount), must use Amazon Rewards Visa
Added on : Saturday August 03rd 2013 06:00:07 PM
g: 16 Posted By: SSG
Views: 3125 Replies: 26 Taken from SD:Code JUL20PER for 20% off, and JUL10PER for 10% off. Max discount with JUL20PER coupon is $20, and $10 with JUL10PER coupon. Small print:*Limit one promotion code per eligible customer. Promotion codes must be redeemed through www.amazon.com and may only be used once on qualifying products shipped and sold by Amazon.com. Get a 10% discount with a maximum discount of $10 on an eligible purchase by selecting your Amazon.com Rewards Visa Card as your payment method and entering promotional code JUL10PER at checkout through the Amazon.com shopping cart. Taxes, gift-wrap, and shipping and handling charges do not apply toward the minimum purchase amount and are not able to be reduced using the promotional code. This promotion applies only to orders shipped to the same address. Products sold by other merchants or third parties do not qualify for this promotion and this promotion may not be used in conjunction with the purchase of products sold by or under the brands of third parties or sold through third-party areas of www.amazon.com. If Amazon.com is not the seller, this will be noted on the product detail page. This promotion may not be combined with other credits or special offers. This promotion is non-transferable and non-exchangeable and is not redeemable for cash. This promotion cannot be applied to orders already placed with Amazon.com. If you return an item purchased using this promotion, you will receive a refund for the amount paid for the item. This promotion is available only to customers located in, and with billing addresses in, the United States. Violation of any term or condition of this promotion makes the promotion invalid and the promotional discount will not apply. This is a limited-time promotion and Amazon.com reserves the right to cancel or modify this promotion at any time. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.
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Amazon Coupons
g: 10 Posted By: SSG
Views: 2077 Replies: 19 Taken from SD:Code JUL20PER for 20% off, and JUL10PER for 10% off. Max discount with JUL20PER coupon is $20, and $10 with JUL10PER coupon. Small print:*Limit one promotion code per eligible customer. Promotion codes must be redeemed through www.amazon.com and may only be used once on qualifying products shipped and sold by Amazon.com. Get a 10% discount with a maximum discount of $10 on an eligible purchase by selecting your Amazon.com Rewards Visa Card as your payment method and entering promotional code JUL10PER at checkout through the Amazon.com shopping cart. Taxes, gift-wrap, and shipping and handling charges do not apply toward the minimum purchase amount and are not able to be reduced using the promotional code. This promotion applies only to orders shipped to the same address. Products sold by other merchants or third parties do not qualify for this promotion and this promotion may not be used in conjunction with the purchase of products sold by or under the brands of third parties or sold through third-party areas of www.amazon.com. If Amazon.com is not the seller, this will be noted on the product detail page. This promotion may not be combined with other credits or special offers. This promotion is non-transferable and non-exchangeable and is not redeemable for cash. This promotion cannot be applied to orders already placed with Amazon.com. If you return an item purchased using this promotion, you will receive a refund for the amount paid for the item. This promotion is available only to customers located in, and with billing addresses in, the United States. Violation of any term or condition of this promotion makes the promotion invalid and the promotional discount will not apply. This is a limited-time promotion and Amazon.com reserves the right to cancel or modify this promotion at any time. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.
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Amazon Coupons
g: 2 Posted By: SSG
Views: 527 Replies: 8 Taken from SD:Code JUL20PER for 20% off, and JUL10PER for 10% off. Seems that this was emailed out, but most people on SD are reporting it working even without getting the email. Small print:*Limit one promotion code per eligible customer. Promotion codes must be redeemed through www.amazon.com and may only be used once on qualifying products shipped and sold by Amazon.com. Get a 10% discount with a maximum discount of $10 on an eligible purchase by selecting your Amazon.com Rewards Visa Card as your payment method and entering promotional code JUL10PER at checkout through the Amazon.com shopping cart. Taxes, gift-wrap, and shipping and handling charges do not apply toward the minimum purchase amount and are not able to be reduced using the promotional code. This promotion applies only to orders shipped to the same address. Products sold by other merchants or third parties do not qualify for this promotion and this promotion may not be used in conjunction with the purchase of products sold by or under the brands of third parties or sold through third-party areas of www.amazon.com. If Amazon.com is not the seller, this will be noted on the product detail page. This promotion may not be combined with other credits or special offers. This promotion is non-transferable and non-exchangeable and is not redeemable for cash. This promotion cannot be applied to orders already placed with Amazon.com. If you return an item purchased using this promotion, you will receive a refund for the amount paid for the item. This promotion is available only to customers located in, and with billing addresses in, the United States. Violation of any term or condition of this promotion makes the promotion invalid and the promotional discount will not apply. This is a limited-time promotion and Amazon.com reserves the right to cancel or modify this promotion at any time. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.
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Amazon Coupons
g: 0 Posted By: SSG
Views: 119 Replies: 0 Taken from SD:Code JUL20PER for 20% off, and JUL10PER for 10% off. Seems that this was emailed out, but most people on SD are reporting it working even without getting the email. Small print:*Limit one promotion code per eligible customer. Promotion codes must be redeemed through www.amazon.com and may only be used once on qualifying products shipped and sold by Amazon.com. Get a 10% discount with a maximum discount of $10 on an eligible purchase by selecting your Amazon.com Rewards Visa Card as your payment method and entering promotional code JUL10PER at checkout through the Amazon.com shopping cart. Taxes, gift-wrap, and shipping and handling charges do not apply toward the minimum purchase amount and are not able to be reduced using the promotional code. This promotion applies only to orders shipped to the same address. Products sold by other merchants or third parties do not qualify for this promotion and this promotion may not be used in conjunction with the purchase of products sold by or under the brands of third parties or sold through third-party areas of www.amazon.com. If Amazon.com is not the seller, this will be noted on the product detail page. This promotion may not be combined with other credits or special offers. This promotion is non-transferable and non-exchangeable and is not redeemable for cash. This promotion cannot be applied to orders already placed with Amazon.com. If you return an item purchased using this promotion, you will receive a refund for the amount paid for the item. This promotion is available only to customers located in, and with billing addresses in, the United States. Violation of any term or condition of this promotion makes the promotion invalid and the promotional discount will not apply. This is a limited-time promotion and Amazon.com reserves the right to cancel or modify this promotion at any time. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.
Home & Garden Deals

Amazon Coupons
g: 0 Posted By: fwuser12
Views: 20 Replies: 0 LinkyA jury Friday awarded an Oregon woman $18.6 million after she spent two years unsuccessfully trying to get Equifax Information Services to fix major mistakes on her credit report.

Julie Miller of Marion County, who was awarded $18.4 million in punitive and $180,000 in compensatory damages, contacted Equifax eight times between 2009 and 2011 in an effort to correct inaccuracies, including erroneous accounts and collection attempts, as well as a wrong Social Security number and birthday. Yet over and over, the lawsuit alleged, the Atlanta-based company failed to correct its mistakes.
General Economics Deals
Repair or ditch old civic?
Added on : Saturday July 27th 2013 07:00:07 AM
g: 0 Posted By: TheDragonn
Views: 90 Replies: 4 FWF besties,My Civic is a ripe old +/- 13 years old with about 135 kilomiles on the odometer. Recently, the check engine light came on, and the mechanic (who I have used for years and trust) said that the sum total of the repairs needed was likely around 1k. I don't remember off the top of my head what parts specifically had failed/were failing, but that's a sizable sum of the car's value. What to do? To complicate matters, I'm moving out of the area (far away) in about a year and will certainly be selling the thing then. Here's a snapshot of some facts: - car worth +/- 3000, according to KBB
- necessary car repairs at or around 1k
- I haven't put a ton of $ into the thing in the past, and it's been largely reliable (only expensive routine maintenance was the timing belt a few years ago and other similar things that one would expect on an older vehicle)
- I'm definitely selling the thing in a year at the latest, as I will be moving far away and not taking this trust little beater with me.What's the general consensus on cost-of-repairs vs car's-value? Would you repair the thing and just continue driving it for the year? I don't foresee any other expenses in the near future (nothing scheduled soon like another timing belt, etc), and frankly wouldn't feel comfortable just trying to unload it on someone now for 3k knowing that it requires a bit of work. Cough up the 1k and continue driving for a year? Ditch it and uhhh buy a crown vic for the next twelve months? Lease a ///BMW? Thanks.
Personal Finance Deals
g: 0 Posted By: bpvh
Views: 355 Replies: 2 Office Depot FAR software for the week of 07/28/2013 (McAfee titles $10AR and $15AR)
McAfee Internet Security 2013 [830-689] $45.99
$9.99 after $4 Instant & $36 Mfr. Mail-In SavingsMcAfee Total Protection For 3 Users [830-788] $72.99
$14.99 After $7 Instant & Before $58 Mfr. Mail-In Savings
====================****ALERT ON McAfee REBATES****McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.====================
Software Deals

Office Depot Coupons
g: 0 Posted By: bpvh
Views: 102 Replies: 0 Office Depot FAR software for the week of 06/28/2013 (McAfee titles $10AR and $15AR)
McAfee Internet Security 2013 [830-689] $45.99
$9.99 after $4 Instant & $36 Mfr. Mail-In SavingsMcAfee Total Protection For 3 Users [830-788] $72.99
$14.99 After $7 Instant & Before $58 Mfr. Mail-In Savings
====================****ALERT ON McAfee REBATES****McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.====================
Software Deals

Office Depot Coupons
Capital gains on deceased grandmother's house
Added on : Tuesday July 23rd 2013 03:00:17 PM
g: 0 Posted By: maxfleischer
Views: 94 Replies: 2 Thanks in advance for all advice.My grandmother passed away a couple of weeks ago and left her house to my mother and my aunt (my mothers sister). Long story short, my mother wants to turn her half of the house over to my sister. House isnt worth a lot maybe $80K or so. Estate taxes/inheritance taxes are not an issue (estate is waaaaaay under limits). My sister wants the house and will buy the other half from my aunt and uncle. Aunt and uncle want to use a Realtor, get an appraisal, etc. My question is this (actually, two questions): 1. Am I correct in thinking that the basis for capital gains for my mom will be set at the homes market value when my grandmother died (Im assuming its in everyones interest to get an appraisal then?)? 2. And second, if my sister buys the house for $80K but only pays $40K to my aunt, will the value of the house for my sisters capital gains purposes be set at $40K or $80K? Or, if they intentionally sell the house under value so my sister can buy it, will she need to get an actual appraisal to establish the true basis (and if she fails to do so, what are the possible repercussions)?Again,thanks to all in advance.
Personal Finance Deals
g: 2 Posted By: archena
Views: 237 Replies: 0 People Analytics: How Social Sensing Technology Will Transform Business and What It Tells Us about the Future of Work [Kindle Edition] was $39.99Ben Waber (Author) http://www.amazon.com/dp/B00CI75ZJ4Publication Date: April 24, 2013Publisher: FT Press7 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Computers & Technology Discover powerful hidden social "levers" and networks within your company then, use that knowledge to make slight "tweaks" that dramatically improve both business performance and employee fulfillment! In People Analytics, MIT Media Lab innovator Ben Waber shows how sensors and analytics can give you an unprecedented understanding of how your people work and collaborate, and actionable insights for building a more effective, productive, and positive organization. Through cutting-edge case studies, Waber shows how:▪ Changing the way call center employees spent their breaks increased performance by 25% while significantly reducing stress
▪ Quantifying the failure of marketing and customer service to communicate led to a more cohesive and profitable organization
▪ Tweaking the balance of in-person and electronic communication can enhance the value of both
▪ Sensor data can help you discover who your internal experts really are
▪ Identifying employees involved in "creative" behaviors can help you promote innovation throughout your business
▪ Sensors and simulations can help you optimize your sick-day policies
▪ Measuring informal interactions can improve the chances that a merger, acquisition, or "mega-project" will succeedDrawing on his cutting-edge work at MIT and Harvard, Waber addresses Crucial issues ranging from technology to privacy, revealing what will be possible in a few years, and what you can achieve right now. In bringing the power of analytics to organizational development, he offers immense new opportunities to everyone with responsibility for workplace performance.About the AuthorBen Waber is President and CEO of Sociometric Solutions, a management services firm that uses social sensing technology. He is also a visiting scientist at the MIT Media Lab, where he received his Ph.D. He was previously Senior Researcher at Harvard Business School.Wabers work has been featured in Wired, the New York Times, on NPR, and he has given invited talks at Google, EMC, and Samsung. His research was selected for the Harvard Business Review s List of Breakthrough Ideas and the Technology Reviews Top 10 Emerging Technologies.
Books Deals

Amazon Coupons
g: 0 Posted By: FWF406
Views: 174 Replies: 3 I have a close family member who was counting on getting a large sum of money from a separation settlement last week. Despite my advice to be frugal and patient in getting new housing she entered into a contract to buy a house. I don't know how both her real estate agent and the buyers agent went through with submitting and accepting a cash offer with no proof of funding, but they did. The closing date is this week and not surprisingly my family member does not have the funds and things are getting more complicated with the separation. There is no firm date when the settlement will be finalized. The buyers real estate agent has confronted my family member's spouse and said that the sellers intend to sue. I feel that the real estate agents failed to do their due diligence. I understand that the sellers have a responsibility to mitigate damages. Are there any suggestions on ways to stop this from becoming a disaster?
Real Estate Deals
Big change on Amex Serve one funding source each!!
Added on : Monday July 22nd 2013 05:00:14 AM
g: 0 Posted By: catbertsf
Views: 54 Replies: 0 just got this email:email said: Hello xxxxx,

We're writing to inform you that we are making changes to two features of your American Express Serve Account and adding several new features. These changes will take effect on August 13, 2013.

Here's what's changing:

Limit on Number of Funding Sources by Type: You will be able to link a total of three separate Funding Sources, but only one of each type: (i) one bank account, (ii) one credit card and (iii) one debit card. If you currently have more than one Funding Source of any one type linked, you can remove them prior to August 13th. Otherwise, your Account will default to the most recently used Funding Source of that type, and the others will be removed from your Account.

Discontinuation of Deals and Offers: The Serve Deals & Offers program is ending on August 12, 2013. We will honor all Deals and Offers that you have purchased or linked to your Card and the terms applicable to the Deal or Offer are not changed. After August 12th, you will not be able to view any Deals or Offers on Serve.com or the Serve mobile app. Please print or save your voucher(s) by August 12th. After this date, unexpired vouchers will only be available by calling American Express Serve Customer Service at 1‑800‑954‑0559.

Here's what's new:

Acceptance of Government Benefits and Payments via Direct Deposit: If you have activated your Card and enrolled in Direct Deposit, you will be able to arrange to have all or part of any Federal or state government benefit or payment (e.g., Federal tax refunds or social security payment) transferred directly to your Account by the relevant government payer.

Fee-Free MoneyPass ATM Transactions: The $2 ATM withdrawal fee will now be waived if you use our MoneyPass network of more than 22,000 ATMs. If you choose to use an ATM outside of the MoneyPass network a $2 American Express Serve fee will apply. An ATM operator fee may also apply for transactions made outside of the MoneyPass ATM network.

FDIC Pass-Through Insurance: When you add money to your Account, funds will be placed by us into one or more custodial accounts we maintain for the benefit of American Express Serve Accountholders at one or more FDIC-insured banks (currently Wells Fargo Bank, N.A. and American Express Centurion Bank) not later than the business day after those funds are reflected in your Total Balance. These custodial accounts will be set up to provide pass-through FDIC insurance. Subject to certain limitations, this means that if a bank holding our custodial account fails, you should be insured by the FDIC up to the per-depositor coverage limit then in place (currently $250,000 in most instances). Funds loaded to a "Provisional Account" are not covered by FDIC pass-through insurance.

Thank you for being a member of American Express Serve. Please take some time to review these changes and the updated Consumer User Agreement when the changes take effect on August 13th. If you have any questions, please call us at 1‑800‑954‑0559 (24/7) or send us a message through the Contact Us page. You don't need to take any further action to accept the updated Consumer User Agreement. If you choose not to accept it and would like to close your Account, you may call Customer Service or you may also close your Account online at www.serve.com.


Thanks,

The American Express Serve Team
General Economics Deals
g: 0 Posted By: Wanamakemoolah
Views: 63 Replies: 0 I know that in some or possibly all instances, if you have a business that is incorporated in one state, then that business must register as a foreign entity performing business in another state if it does business there. For example, according to California's government website FAQ:"Do I have to qualify or register a foreign (outofstate or outofcountry) business entity?Before transacting intrastate business in California the business must first qualify/register with the California Secretary of State. (California Corporations Code section 2105, 15909.02, 16959 or 17451.) California Corporations Code sections 191, 15901.02(ai) and 17001(ap) define "transacting intrastate business" as entering into repeated and successive transactions of its business in this state, other than interstate or foreign commerce."I want to do consulting in various states. Do I need to register as a foreign business entity in any of them? I might also want to offer seminars, perhaps two or three days. To have to register as a foreign business entity in each state would be onerous.Based on that California FAQ, it sounds like only intrastate business transactions must do that. So if I was opening a warehouse or a storefront in a state, that would likely be intrastate, but if I'm flying in to give a weekend seminar or do consulting services 4 days a week for a year, that might be interstate and thus unnecessary. I haven't looked at every single state's website regarding this topic, I'm really just hoping this is something I absolutely don't need to do or worry about. I'm concerned if I failed to register as a foreign business, and I was supposed to, that it might open up "piercing the corporate veil" or possibly invalidate professional liability insurance that I've obtained.
Discussion Deals
Bank abusing customers and breaching arbitrator's rules?
Added on : Thursday July 18th 2013 07:00:06 PM
g: 1 Posted By: emcdemc
Views: 108 Replies: 0 Hi All,I have posted on and off over the years. I have been dealing with something recently that I thought you all would find interesting:In Citibank's non-negotiated consumer agreements (i.e. checking accounts, overdraft accounts, etc.) there is a mandatory arbitration clause. That clause names AAA and JAMS as the consumer's choices for arbitrator. AAA and JAMS consumer due process rules are binding on the drafting institution. Failure to abide by those rules renders AAA and/or JAMS unable to arbitrate the matter.AAA and JAMS rules grant the consumer a right to small claims that cannot be precluded. Preclusion of said rights should result in a denial of jurisdiction.Specifically, AAA and JAMS impose the following rules on anyone that seeks to use them for dispute resolution in consumer cases:AAA Consumer Due Process Protocol, Principle 5: Consumer ADR Agreements should make it clear that all parties retain the right to seek relief in a small claims court for disputes or claims within the scope of its jurisdiction.;AAA Review of Consumer Cases, Page 1: If the AAA has determined that the arbitration clause does not comply with the standards contained in the Protocol, and the business does not comply, the AAA will not handle your claim. However, you may pursue whatever other remedies you choose in another forum;JAMS Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses Minimum Standards of Procedural Fairness (1B): JAMS will administer arbitrations pursuant to mandatory pre-dispute arbitration clauses between companies and consumers only if the contract arbitration clause and specified applicable rules comply with the following minimum standards of fairness. These minimum standards for arbitration procedures are: 1. The arbitration agreement must be reciprocally binding on all parties such that: A) if a consumer is required to arbitrate his or her claims or all claims of a certain type, the company is so bound; and, B) no party shall be precluded from seeking remedies in small claims court for disputes or claims within the scope of its jurisdiction. [Emphasis added]I filed a small claim against Citibank. I live in Arizona. In Arizona, if you motion a small claim to a higher court, it is automatically granted. Well Citibank not only motioned the claim to a higher court, it simultaneously motioned to compel arbitration. I replied by pointing out the above arbitrator rules. Nonetheless, the court granted Citibank's motion to compel arbitration. (I later hired an attorney and he has mentioned that the courts are extremely biased towards arbitration - and towards not making tough decisions).Anyways, Citibank effectively precluded my right to small claims.Here is what the contract says, in the section entitled "DISPUTES EXCLUDED FROM ARBITRATION":
"Disputes filed by you or by us individually in a small claims court are not subject to arbitration, so long as the disputes remain in such court and advance only an individual (non-class, non-representive) claim for relief."So, really, when you get down to it, the court was right in interpreting that clause as it did. The claim was no longer in small claims and therefore it did not have to be excluded from arbitration. Fine. Stupid technicality.The problem is that this limited view fails to take into account the rules of AAA and JAMS. AAA and JAMS both should, when presented with this information, reject arbitration. AAA and JAMS should determine that the aforementioned clause as drafted does not grant the consumer a right to small claims court - as my experience clearly demonstrates.One would assume that if AAA and JAMS agree with me (and I have a hard time seeing them completely ignore their own rules), then a great many if not all of Citibank's consumer agreements have arbitrators named that cannot arbitrate these disputes.Finally, the arbitration provision includes the following clause:
If any portion of this arbitration provision is deemed invalid or unenforceable, the entire arbitration provision shall not remain in force."Thus the entire arbitration provision should be struck from the agreement.Opinions? Thoughts? Advice?
Discussion Deals
Office Depot rebate software for the week of 07/14/2013 ($9AR, $12 AR & $15AR)
McAfee AntiVirus Plus [830-644] $54.99
$8.99 After $5 Instant & $46 Mfr. Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $63.99
$11.99 After $6 Instant & $52 Mfr. Mail-In SavingsNorton Antivirus Backup [873-394] $49.99
$14.99 After $20 Mfr. Mail-In Savings $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
Should be all completely new rebates. Details to follow.
====================****ALERT ON McAfee REBATES****McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.====================
Office Depot Coupons
Earnest Money Disbursement
Added on : Thursday July 11th 2013 10:00:08 AM
My current buyer is going strong with the house purchase. Earlier to them we had a buyer, who walked out a couple of days after the sales contract was signed citing personal reasons. My thought is that the earnest money belongs to us (sellers). Contacting my (sellers) agent to get the money disbursed to us isn't going anywhere.Excerpt from sales contract:BUYER and SELLER agree, in the absence of a dispute or written consent to distribution, the failure by either to respond in writing to a certified letter from Listing Broker or Escrow Agent within 7 days of receipt thereof or failure to make written demand for return or forfeiture of the Earnest Money and Additional Deposits within 30 days of notice of cancellation of this contract will constitute consent to distribution of the Earnest Money and Additional Deposits as suggested in such certified letter.Based on the above, I had asked my agent to contact his broker to write a certified letter demanding distribution of earnest money in favor of the sellers. The agent is dragging his feet (may be because he does not have a skin in the game).Here are the options I think I have:
1. Withhold the agent commission equal to the earnest money and assign the earnest money to the agent.
2. I or RE attorney write a letter to the broker demanding that they send a certified letter
3. Contact RE attorney to write a letter to the buyers demanding that the earnest money be released to us.
4. Contact the buyers directly and ask them to sign the mutual release agreement. If they don't then I may not be able to apply the above condition from the sales contactIs there any adverse implication with option 1?The listing contract states "Broker agrees to perform the terms of this contract, exercise reasonable skill and care for SELLER, and promote the interests of the SELLER with the utmost good faith, loyalty and fidelity". Can I use this to demand that the broker write a certified letter or be held in breach of contract for not performing in the best interests of the sellers?Are there other options? I don't want it to turn ugly unless it needs to be that way.
Free Kindle Novel: How Long You Should Wait to Have Sex
Added on : Wednesday July 10th 2013 02:00:11 PM
Free Kindle novel "How Long You Should Wait to Have Sex"
Fun, funny and sexy novel that's a great summer read.Amazon Link
http://www.amazon.com/Long-Should-Wait-Have-ebook/dp/B00CCH4VIQ4.9 out 5 rating on Amazon
Was $4.99, free till 7/11 Synopsis:
Samantha Harper has just turned 30 and she is ready to meet the man of her dreams, so she does. Samantha pretty much always accomplishes what she sets out to do. There's only one problem, after she has sex with him on the first night they meet, he never calls her. Not used to failure, Samantha is furious at herself! She wishes she could just take it back. She wishes she had never had sex with him!... And to her surprise, her wish comes true. She gets not one, but several more chances to go back in time and figure out just how long she has to wait to have sex, in order to get her dream guy to fall for her. Determined not to mess this up, Samantha finally gets her answer to the age old dilemma of How Long You Should Wait to Have Sex.
Please Help! Box truck damaged at repair service facility
Added on : Wednesday July 10th 2013 11:00:15 AM
Hello Fatwallet Community
I come to you for assistance in what to do
In short: I took my international box truck into a international dealer repair service for it not being able to start
They discovered a high pressure oil leak from the branch tube adapter and repaired it
I went to drive it home on Friday and white smoke started spewing everywhere so I turned it off and exited (the person behind me who drove me to pick it up informed me)
I found a large puddle of oil underneath and the dipstick showed no oil
I called them (this was only a couple miles away) they said they would pick it up Monday since they are closing but finally agreed to get it the day of
The person from the shop told me a couple O-rings failed and were fixed but it is still spewing white smoke (small amounts) which is probably from damaged pistons which is a common issue with these trucks according to him (I never had white smoke prior and their service caused all of my engine oil to drain out)
They refuse any type of warranty and the manager is too busy to talk to me.
I simply want my vehicle fixed whether that means engine repair or the engine warrantied if I have an issue later on.
What should I do? Take them to court? And if so how do I get about starting this.
I am in KY and their service is in IN.
I appreciate any advice
Thank you and sorry for the length of the post
Collide (A Collide Novel) [Kindle Edition]
Added on : Tuesday July 09th 2013 03:00:11 PM
http://www.amazon.com/Collide-A-Novel-ebook/dp/B0055Q8HDGGenre Fantasy
Digital List Price: $3.99
Print List Price: $10.99
Kindle Price: $0.00Book Description
Publication Date: May 20, 2011
Sherry has always known there was something out there. She's eighteen, works for a tabloid newspaper in Chicago, and has a brother, Danny who is a lazy mooch. They live a pretty normal, dull life. Then the moon disappears and people start to go missing only to reappear later...but different. Sherry has an abusive ex-boyfriend who shows up on her doorstep and claims to be one of these beings. He's no longer the same person in that body. He tells her he has come to protect her and her brother and takes her underground, against her will, to save her. There they meet others like them. She begins to unravel the truth about Merrick, about what he's really doing here, about the way he looks at her, about the crazy new dangerous world they live in. Can he convince her that he's here to help? Will she like what she finds when she opens up to the truth? Will he be the one to love her when everyone else has failed her? Will he be able to protect her?
Victory Garden - Victory Garden Guide for Self Sufficiency and Self Sufficient Living [Kindle Edition] worth $4.99Zachary Carver (Author)http://www.amazon.com/dp/B00DQHI90WPublication Date: July 1, 2013No Reviews#1 in Kindle Store > Kindle eBooks > Crafts, Hobbies & Home > Gardening & Horticulture > Techniques > Urban#6 in Kindle Store > Kindle eBooks > NonfictionHistorys Biggest and Deadliest Food Shortage Is Upon Us!By food shortage I'm not talking about a lack of "quantity" of foods on store shelves (although that's coming too), I'm talking about the lack of "quality" of foods available today.In the shadows of store shelves around the world is hidden a group of sinister manipulators putting on a full court press to destroy the nutritional value of foods. And with that the total destruction of your health.Did you know that a study released by the International Journal of Biological Sciences shows that GMOs are linked to organ failure?GMOs are also associated with a multitude of diseases and illnesses.Eating GMO fruits, veggies, bread or GMO fed meats is a death sentence that is a slow boil that brings your life to a grinding, painful stop.From debilitating diseases to incompetence that is immobilizing, the foods you are eating are making you sick, slow and stupid.Take Your Survival Skills, Self-Sufficiency and Food Freedom to the NEXT Level...Today's survivalists are more than long bearded men in the wilderness hunting wild game. Today, a survivalist is anyone looking to get off the suicidal, homicidal and genocidal path that today's toxic and tainted food pools have put us on.Each trip you make to the grocery store to load up with more toxic bathed foods is taking you and your loved ones a step closer to an early grave.It's incremental death by a thousand cuts... or should I say a thousand bites.You see, our immune systems are under attack by chemicals exploding like nukes in our cells. Our bodies were not designed to fight off these manufactured assaults and as a result, the acceleration of everything bad is over running our bodies.And since you can't change the food in the store, then change the food you eat.Discover:: Proven Methods For Producing Bigger, Healthier, Tastier and More Sustainable FoodInside the "Survivalist Victory Garden Guide" you'll discover:∙ Starting Your Survivalist Victory Gardening Step-By-Step (With picture tutorials)
∙ Starting Your Seeds Step-By-Step (With picture tutorials)And tons more like the...∙ 8 Victory Vegetables (Best Veggies To Beat A Breakdown)
∙ 7 Persistent Produce (Perennial Vegetables That Keep On Giving)
∙ 7 Must Have Medicinal Herbs (Natures Doctor In Your Yard)
∙ 4 Super Seeds For Sure-Fire SurvivalYou will also learn about...∙ Creating Your Water World (Harvesting Water So You Can Harvest Your Crops)
∙ How To Grow Crazy Giant Vegetables Naturally (Become King Of The Crops)
∙ The #1 Way To Naturally Eliminate Garden Pest (When Your Garden Thrives, You Can Survive)
∙ And more!Additionally, you can turn any garden into a victory garden. That means container gardening, raised bed gardening like square foot gardening, tower gardening and even water gardening can be turned into a victory garden.Ready to learn how to take control of your food and turn any empty space into an abundant food place?Would You Like To Know More?
Download now and take your food freedom to the next level.
101 - The Best of Billie Holiday (MP3 album): $3.99 Amazon
Added on : Friday July 05th 2013 08:00:03 PM
This looks like a fairly new collection of 101 of Billie Holiday's songs. 101 - The Best of Billie Holiday. The songs include the ones she is known for, and the sound quality (such as it is) seems comparable to her more expensive albums. I'll leave to aficionados whether this is an advanced study, or just Billie Holiday 101. 1. Fine and Mellow 3:13 2. Strange Fruit 3:08 3. Swing, Brother, Swing 2:57 4. Body & Soul 3:01 5. Loverman (Oh Where Can You Be) 3:14 6. What Is This Going to Get Us? 2:42 7. I'm All for You 3:11 8. Blue Moon 3:26 9. I'm in a Low Down Groove 3:0910. These Foolish Things Remind Me of You 3:3411. East of the Sun (And West of the Moon) 2:5312. Autumn in New York 3:4213. Stormy Weather 3:3814. Summertime 2:5515. April in My Heart 3:0816. Billie's Blues 2:4017. Let's Call the Whole Thing Off 2:3918. Me, Myself and I 2:3919. My Man 3:0420. You're Gonna See a Lot of Me 2:5921. You Go to My Head 2:5422. Any Old Time 3:1623. My First Impression of You 2:5024. Let's Dream in the Moonlight 2:5425. When You're Smiling 2:5226. I Can't Believe That You're in Love With Me 2:5127. If Dreams Come True 3:0528. You're So Desirable 2:5329. I'll Never Fail You 3:0030. Don't Explain 3:2531. Crazy He Calls Me 3:0532. Day in, Day Out 6:4833. You Don't Know What Love Is 3:5134. I Get Along Without You Very Well 3:0135. Good Morning, Heartache 3:0536. Love for Sale 2:5637. I Only Have Eyes for You 2:5338. How Deep Is the Ocean 2:5639. Stars Fell On Alabama 4:3040. Yankee Doodle Never Went to Town 2:4741. A Foggy Day 4:4042. I Didn't Know What Time It Was 6:0043. Just One of Those Things 5:3244. One for My Baby, One More for the Road 5:3945. I'm a Fool to Want You 3:2446. For Heaven's Sake 3:2647. For All We Know 2:5548. Violets for Your Furs 3:2649. You've Changed 3:1950. It's Easy to Remember 4:0351. But Beautiful 4:3152. Glad to Be Unhappy 4:0953. I'll Be Around 3:2454. The End of a Love Affair 4:4955. They Say 3:1056. Hello, My Darling 2:4557. Everybody's Laughing 3:0558. Here It Is Tomorrow Again 2:4659. Say It With a Kiss 2:3660. That's All I Ask of You 2:5861. Under a Blue Jungle Moon 2:5762. Everything Happens for the Best 2:5063. Why Did I Always Depend On You? 2:3364. Long Gone Blues 3:0765. Tell Me More & More, and Then Some 3:1066. Our Love Is Different 3:1367. Them There Eyes 2:5168. Night & Day 3:0169. The Man I Love 3:0770. What Shall I Say? 3:0971. It's Easy to Blame the Weather 3:0272. More Than You Know 3:0773. Sugar 2:4774. Ghost of Yesterday 2:3975. Falling in Love Again 2:5276. I'm Pulling Through 3:1177. Laughing At Life 2:5678. Time On My Hands 3:0679. St. Louis Blues 2:5480. Loveless Love 3:1781. I Hear Music 2:4282. The Same Old Story 3:1383. Practice Makes Perfect 2:3484. Let's Do It 2:5885. Georgia On My Mind 3:1986. Romance in the Dark 2:1687. All of Me 3:0288. God Bless the Child 2:5789. Am I Blue? 2:5190. Solitude 3:1591. Jim 3:1092. I Cover the Waterfront 2:5793. Love Me or Leave Me 3:2194. Gloomy Sunday 3:1395. Trav'lin' Light 3:1896. Wherever You Are 3:0197. Mandy Is Two 3:0198. C'est Un Peche De Dire Un Mentire 3:0499. Until the Real Thing Comes Along 3:08100. Do Nothing Till You Hear from Me 3:31101. That Ole Devil Called Love 2:55
Amazon Coupons
Engine died in my car at 72k miles
Added on : Friday July 05th 2013 04:00:07 PM
The engine in my BMW died at 72k miles, no warning lights and no weird noises. It died when I was driving the speed limit (65) on the highway doing nothing out of the ordinary. I coasted to the side of the highway to check it out: the engine was not overheating and there was no fluids on the ground. As I tried starting the car up again I could hear the fuel pump turning on and the starter motor clicking, but the engine wouldn't turn over. I got the car towed to the dealership and a few days later it was made known to me by the dealership that my engine was seized and that I would have to pay $19,000 for a new engine and $6,000 for the labor to install it. I made the dealership aware that I kept up with the maintenance, and that nothing was indicating to me that my engine was about to fail. I instructed the dealership to contact BMW North America (BMW Headquarters for North America) for a "good will" replacement, but my request was denied.So... Do any of you fatwalleters have any suggestions on what I should do?
Beastie Boys-Licensed to Ill- CD + MP3 Album for $3.99 (Amazon)
Added on : Friday July 05th 2013 04:00:03 AM
Beastie Boys-Licensed to Ill- CD + MP3 Album for $3.99
This compact disc comes with Amazon's Auto-Rip feature which allows you to download the album even before you receive the disc! I have done this many times, It is really nice to have both a physical and digital copy of albumsI have this album in my truck, car and on my phone. It is an album that I listen to at least once a week. It is by far one one of my favorite albums of all time.http://www.amazon.com/Licensed-Ill-Beastie-Boys/dp/B0000024JNThe joke of Licensed to Ill's cover--that the Beasties could crash their jet into the side of a mountain and keep on tickin'--serves as a good metaphor for a career that even some of their 1986 admirers thought might be over after the one-time-only shock of this full-length debut. That thousands of funk-junkie wannabes have since failed at re-creating its groove, breaking-the-law vibe, and ear-splitting mix of rock and rap is an even better joke. And funniest of all is the record itself, which packs dexterous boasts, aural puns, and lots and lots of yelling into a disc that can still be listened to with as much pleasure as it gave in '86.
Amazon Coupons
Office Depot FAR software for the week of 07/07/2013 (QB Online Simple Start)
QuickBooks Online Simple Start 2013 For PC/Mac [826-207] $89.99
FREE After $10 Instant & $90 Mail-In Savings LINK
++ requires activationMcAfee Total Protection For 3 Users [830-788] $72.99
$14.99 After $7 Instant & $58 Mfr. Mail-In Savings LINK
++ Second week of this rebate
Details to follow
====================****ALERT ON McAfee REBATES****McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Victory Garden - Victory Garden Guide for Self Sufficiency and Self Sufficient Living [Kindle Edition] worth $4.99Zachary Carver (Author)http://www.amazon.com/dp/B00DQHI90WPublication Date: July 1, 2013No Reviews#1 in Kindle Store > Kindle eBooks > Crafts, Hobbies & Home > Gardening & Horticulture > Techniques > Urban#6 in Kindle Store > Kindle eBooks > NonfictionHistorys Biggest and Deadliest Food Shortage Is Upon Us!By food shortage I'm not talking about a lack of "quantity" of foods on store shelves (although that's coming too), I'm talking about the lack of "quality" of foods available today.In the shadows of store shelves around the world is hidden a group of sinister manipulators putting on a full court press to destroy the nutritional value of foods. And with that the total destruction of your health.Did you know that a study released by the International Journal of Biological Sciences shows that GMOs are linked to organ failure?GMOs are also associated with a multitude of diseases and illnesses.Eating GMO fruits, veggies, bread or GMO fed meats is a death sentence that is a slow boil that brings your life to a grinding, painful stop.From debilitating diseases to incompetence that is immobilizing, the foods you are eating are making you sick, slow and stupid.Take Your Survival Skills, Self-Sufficiency and Food Freedom to the NEXT Level...Today's survivalists are more than long bearded men in the wilderness hunting wild game. Today, a survivalist is anyone looking to get off the suicidal, homicidal and genocidal path that today's toxic and tainted food pools have put us on.Each trip you make to the grocery store to load up with more toxic bathed foods is taking you and your loved ones a step closer to an early grave.It's incremental death by a thousand cuts... or should I say a thousand bites.You see, our immune systems are under attack by chemicals exploding like nukes in our cells. Our bodies were not designed to fight off these manufactured assaults and as a result, the acceleration of everything bad is over running our bodies.And since you can't change the food in the store, then change the food you eat.Discover:: Proven Methods For Producing Bigger, Healthier, Tastier and More Sustainable FoodInside the "Survivalist Victory Garden Guide" you'll discover:∙ Starting Your Survivalist Victory Gardening Step-By-Step (With picture tutorials)
∙ Starting Your Seeds Step-By-Step (With picture tutorials)And tons more like the...∙ 8 Victory Vegetables (Best Veggies To Beat A Breakdown)
∙ 7 Persistent Produce (Perennial Vegetables That Keep On Giving)
∙ 7 Must Have Medicinal Herbs (Natures Doctor In Your Yard)
∙ 4 Super Seeds For Sure-Fire SurvivalYou will also learn about...∙ Creating Your Water World (Harvesting Water So You Can Harvest Your Crops)
∙ How To Grow Crazy Giant Vegetables Naturally (Become King Of The Crops)
∙ The #1 Way To Naturally Eliminate Garden Pest (When Your Garden Thrives, You Can Survive)
∙ And more!Additionally, you can turn any garden into a victory garden. That means container gardening, raised bed gardening like square foot gardening, tower gardening and even water gardening can be turned into a victory garden.Ready to learn how to take control of your food and turn any empty space into an abundant food place?Would You Like To Know More?
Download now and take your food freedom to the next level.
Sorry if this is common knowledge -- Recently, I applied for two of the checking accounts (at different banks) mentioned on FWF that were giving account-opening bonuses for jumping through some hoops. I noticed something regarding these applications that I had not run into before regarding online checking account applications (or other applications) - when they were verifying my identity, they obviously checked with some kind of report (credit report or just chex system?) and asked 3 questions regarding very old information that was on there.In both of the threads on those checking account bonus offers, other FW commenters had said that these banks only looked at the chex system during these account openings, and nothing had showed up on their credit reports regarding the applications, so I was surprised at the type of identity validation these banks were doing. (Maybe it's normal now? It's been 7 months since I've opened a checking account for a bonus.) I was surprised to see that one of the questions asked by both banks was about people I had known in the past -- I was given a list of 5 or 6 names and asked to tick which person I had interacted with before in my life. But how would they know the names of people I have associated with in the past? Does that type of thing show up on credit/financial-history reports?I can't even remember the full names of my past bosses or landlords or professors, or even some guys I dated long ago, let alone the names of random people I may have worked with in a huge office complex or lived near to in a college dorm or something, so this question seems tricky indeed. Does one now have to maintain a database with the names of every person one's ever met, to make sure not to fail this type of question?I didn't recognize the names that either bank provided, so I chose the answer "none of the above" for the name questions. On both applications, the other 2 seemingly-credit-report-based questions were about former addresses, and thank goodness I have a list of those -- one of the addresses I was challenged with I had only lived in as a subletter for 2 months, 22 years ago. Anyway, I am certain that all the address questions I answered correctly (because the addresses were on the list that I keep), but in the case of one bank's application, I got the message that I had failed the identity portion of the application because I had not answered all 3 questions correctly, and my application was cancelled. It seems as if they really did think I had known one of the people whose names they'd shown me. ?I started the application over again, and the second time the identity check asked different questions and I got through it successfully, so I was able to open that checking account, but I'm still a little confused about this strange names-from-the-mists-of-time aspect of i.d. checking. It felt creepy. (I know, 'welcome to modern life'!)Does it sound like they were doing pulls of my credit report? Again, sorry if I've missed a memo somewhere along the line and am asking a silly question.
NEED help to deal with ATNT poor customer service
Added on : Saturday June 29th 2013 07:00:07 AM
I purchase iphone at ATNT store and the shop assistant messed it up by inputting the wrong SSN for me.I failed to sign in online account and tried to negotiate with them to solve this problem, they didn't have any intention to help after the sale was done. So I can not have access to wireless account for 2 YEARS.

Now my wireless plan has been terminated and I'd like to change my phone plan.Due to the original wrong SSN,the people in the store did nothing and told me to call customer service. I did call and was asked to go to local store and show them my photo ID to reset my account. I did what I was told, but the local store still denied to do anything and claimed they did not have any right to do so on their level, asked me again to call the online customer service!! These guys are passing the buck back and forth while my problem remained unresolved.What else I can do with this nasty ATT service? Can I stop paying the bill while keep using their service since they did not know my SSN?
Sold gift cards to GCZ, refusing to pay
Added on : Wednesday June 26th 2013 10:00:11 AM
I apologize in advance for my lack of legal knowledge and business ignorance.Last week I submitted an offer to giftcardzen for $1,500.00 to a restaurant, to which they sent me a sale complete confirmation. They followed up asking for ID verification, which I also submitted and promptly shipped them the gift cards. Today I followed up with our transaction and received a generic response indicating an "anti-fraud algorithm" even though they are 100% legit and in full value. When I questioned this response the customer service rep responded that wasn't the true case, but they are not accepting due to it not being in their best business interest and are sending the cards back.Am I wrong to assume that this was a completed transaction and now they are failing to remit payment? Is there any legal recourse I have(small claims court?) Or do I not have any ground and just suck it up and sell the cards elsewhere?Thanks for your help.
Been looking for a GE chest freezer for a while, and now Home Depot has it for $168 delivered to your door. Step 0) Log into FW to get 3% CB.
Step 1) Go GE Chest Freezer
Step 2) Add to cart
Step 3) Enter promo code "JUNEHD" to save $10
Step 4) Enjoy your chest freezer or keezer.I initially bought the 7.0cu ft. Kenmore deal I posted a while back, but ended up returning it due to the poor reviews of early failure. GE seems to be a better choice.Use it to store food or convert it to a Keezer.
EDIT: Check your local energy supplier for local rebates. Energy Star Link
Home Depot Coupons
Been looking for a GE chest freezer for a while, and now Home Depot has it for $168 delivered to your door. Step 0) Log into FW to get 3% CB.
Step 1) Go GE Chest Freezer
Step 2) Add to cart
Step 3) Enter promo code "JUNEHD" to save $10
Step 4) Enjoy your chest freezer or keezer.I initially bought the 7.0cu ft. Kenmore deal I posted a while back, but ended up returning it due to the poor reviews of early failure. GE seems to be a better choice.Use it to store food or convert it to a Keezer.
EDIT: Check your local energy supplier for local rebates. Energy Star Link
Home Depot Coupons
7.0cu ft. GE Chest freezer $168 @ Home Depot + Free delivery
Added on : Thursday June 20th 2013 05:00:03 AM
Been looking for a GE chest freezer for a while, and now Home Depot has it for $168 delivered to your door. Step 0) Log into FW to get 3% CB.
Step 1) Go http://www.homedepot.com/p/GE-7-0-cu-ft-Chest-Freezer-in-White-FCM7SUWW/203547578#.UcMYEvmcf2s
Step 2) Add to cart
Step 3) Enter promo code "JUNEHD" to save $10
Step 4) Enjoy your chest freezer or keezer.I initially bought the 7.0cu ft. Kenmore deal I posted a while back, but ended up returning it due to the poor reviews of early failure. GE seems to be a better choice.
Home Depot Coupons
Unlimited lifetime automatic cloud backup from DrivePop is available for the next 8.5 hours through BitsDuJour for $60. This is the cost of one-year plans from places like Carbonite and Mozy Pro. Deal HereExpires tonight at midnight Pacific time (3AM Eastern) if I have my times correct.From their site:
-----------
Check it out folks! At $59.99, you're getting a whopping 84% off of a 5-year license. But it gets better. BurnWorld is extending this to a LIFETIME LICENSE exclusively for BitsDuJour customers purchasing today. This option isn't even available on the DrivePop website!You think youve got your bases covered, since you back up all of your key data every night to an external hard drive. Yet, your backup strategy is doomed to failure in the event of a fire, flood, or some other catastrophe that physically destroys your external drive and computer. The best backup plans involve copying your stuff offsite, and the best way to do that is with todays discount software promotion, DrivePop Online Backup!DrivePop Online Backup is the easiest way to make a backup of the files you don't want to risk losing! With DrivePop Online Backup, your data is protected from any local harm, since it lives online, far far away from your house in a secure military-grade data center that itself is protected with redundant drives and security systems. Your cat photos have never been this protected before!You dont even have to remember to execute backups with DrivePop Online Backup, since the program runs silently in the background, harvesting and uploading your data automatically. Best of all, when you use DrivePop Online Backup, youll be able to access all of your files and folders on your cloud storage using your iPhone, iPad, or Android device!
-----------This is not an archive service -- if you (accidentally or otherwise) delete a file from your hard drive, it will be deleted from your DrivePop storage 30 days later. But this will store all files you specify from your hard drive, and it will keep up to 30 versions of each file, protecting you in case you overwrite or change a file and want to undo the goof.Tremendous value!Edited: Deal extended through 20 June 2013.
Unlimited lifetime automatic cloud backup from DrivePop is available for the next 8.5 hours through BitsDuJour for $60. This is the cost of one-year plans from places like Carbonite and Mozy Pro. Deal HereExpires tonight at midnight Pacific time (3AM Eastern) if I have my times correct.From their site:
-----------
Check it out folks! At $59.99, you're getting a whopping 84% off of a 5-year license. But it gets better. BurnWorld is extending this to a LIFETIME LICENSE exclusively for BitsDuJour customers purchasing today. This option isn't even available on the DrivePop website!You think youve got your bases covered, since you back up all of your key data every night to an external hard drive. Yet, your backup strategy is doomed to failure in the event of a fire, flood, or some other catastrophe that physically destroys your external drive and computer. The best backup plans involve copying your stuff offsite, and the best way to do that is with todays discount software promotion, DrivePop Online Backup!DrivePop Online Backup is the easiest way to make a backup of the files you don't want to risk losing! With DrivePop Online Backup, your data is protected from any local harm, since it lives online, far far away from your house in a secure military-grade data center that itself is protected with redundant drives and security systems. Your cat photos have never been this protected before!You dont even have to remember to execute backups with DrivePop Online Backup, since the program runs silently in the background, harvesting and uploading your data automatically. Best of all, when you use DrivePop Online Backup, youll be able to access all of your files and folders on your cloud storage using your iPhone, iPad, or Android device!
-----------This is not an archive service -- if you (accidentally or otherwise) delete a file from your hard drive, it will be deleted from your DrivePop storage 30 days later. But this will store all files you specify from your hard drive, and it will keep up to 30 versions of each file, protecting you in case you overwrite or change a file and want to undo the goof.Tremendous value!
AMAZ0N http://www.amazon.com/dp/B002GHBSCY
WA1MART http://www.walmart.com/ip/Breadman-Convection-Bread-Machine-with...This convection bread machine is the perfect tool for making a variety of bakery breads at home. Easy-to-use digital controls and display let you select from 16 baking functions as well as three loaf size options and three crust brown-ing options. After making a bread you love you can save the options with the Save Your Faves function to make sure you will get the same results again. Get a wide array of features like an up to 24-hour delay bake timer, power failure protection system and 10-minute pause control to enhance your bread making experience.Breadman Convection Bread Machine with Digital Display and Cool-Touch Handles, Stainless Steel:
Convection baking
Large viewing window
Extra-large digital display
3-loaf sizes: 1, 1.5 and 2 lbs
3 crust shades: light, medium and dark
10-minute pause control
Brushed stainless steel exterior
Cool-Touch carrying handles
Easy-to-use, easy-to-clean Mylar control panel
Measuring cup and spoon included
Recipes included in the Use-and-Care manual
Save Your Faves function
Stainless steel construction
Fruit and nut release
Dimensions: 19"L x 11"W x 15"H
2-year limited warranty
Model# TR2700
Amazon Coupons
AMAZ0N http://www.amazon.com/dp/B002GHBSCY
WA1MART http://www.walmart.com/ip/Breadman-Convection-Bread-Machine-with...This convection bread machine is the perfect tool for making a variety of bakery breads at home. Easy-to-use digital controls and display let you select from 16 baking functions as well as three loaf size options and three crust brown-ing options. After making a bread you love you can save the options with the Save Your Faves function to make sure you will get the same results again. Get a wide array of features like an up to 24-hour delay bake timer, power failure protection system and 10-minute pause control to enhance your bread making experience.Breadman Convection Bread Machine with Digital Display and Cool-Touch Handles, Stainless Steel:
Convection baking
Large viewing window
Extra-large digital display
3-loaf sizes: 1, 1.5 and 2 lbs
3 crust shades: light, medium and dark
10-minute pause control
Brushed stainless steel exterior
Cool-Touch carrying handles
Easy-to-use, easy-to-clean Mylar control panel
Measuring cup and spoon included
Recipes included in the Use-and-Care manual
Save Your Faves function
Stainless steel construction
Fruit and nut release
Dimensions: 19"L x 11"W x 15"H
2-year limited warranty
Model# TR2700
Amazon Coupons
Anatomy of a failed deal?
Added on : Tuesday June 18th 2013 11:00:07 AM
The bond was posted at a price of 71.209 (10% yield for Aa2). Customer buys. Order is executed. The transaction is listed at ahttp://emma.msrb.org. Everything looks good until... See the screenshots in numeric order:
LexisNexis class action settlement
Added on : Saturday June 15th 2013 04:00:05 PM
Today I received a postcard letting me know that I'm a class member in a suit against LexisNexis for failing to treat their Accurant reports as consumer reports subject to FCRA. According to the card, you're a member if you "(1) requested a copy of an Accurint report about you, and/or (2) you initiated or submitted a dispute or other inquiry about information in an Accurint report about you." The settlement website is filedisputereportclass.com. Anyone who receives a postcard will automatically receive a payment if the settlement is approved by the court.
Office Depot FAR software for the week of 06/16/2013 (no FAR, one each $5AR, $8AR and $15AR)
McAfee Internet Security 2013 [830-689] $40.99
++ $4.99 After $9 Instant & $36 Mfr. Mail-In Savings
--- LINKMcAfee Total Protection 2013 [830-743] $51.99
++ $7.99 After $8 Instant & $44 Mfr. Mail-In Savings
--- LINKNorton Utilities 15.0 [650-436] $49.99
++ $14.99 After $20 Mfr. Mail-In & $15 Mfr. Mail-In Current User Upgrade Mail-In Savings Visa Prepaid Cards
--- LINK
--- LINK
====================****ALERT ON McAfee REBATES****McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
http://www.sears.com/craftsman-heavy-duty-neverkink-self-straigh...Product DescriptionHeavy Duty Neverkink Self-Straightening Hose. Reflex Mesh construction - Guaranteed not to kink or tangle. Protected with MicroShield - guards against mold and mildew that can cause hose deterioration. Solid brass octagon coupling provides a wrench-tight, no-leak connection.
If this Craftsman garden hose ever fails to provide complete satisfaction, return it to any Sears store or other Craftsman outlet in the United States for Free Repair or replacement
This warranty applies for only 90 days from the date of purchase if this product is ever used for commercial or rental purposes.
5/8 In. X 50 Ft.
Only valid today
Homeowners Insurance - Premium increases and shopping around
Added on : Monday June 03rd 2013 02:00:08 PM
For the second year in a row my homeowners insurance premium has jumped 20%+ despite not having any claims or changesI currently have Liberty Mutual through Geico; I called to inquire about the large increase this year and was told the bulk of the increase, 10.6% of it, could be directly attributed to state mandated rate changes. I was told that everyone in the state this year would see their policies go up 10.6%. I further inquired about this state mandated increase and was told I would need to contact my state legislative department for details. The other 10% of the increase this year was due to my house being 11years old and losing deductions for, new house and new roof.First question: Is there a such thing as state mandated increase, I live in Colorado and couldn't find anything Colorado specific with a few Google searches.Next I started looking around and getting other insurance quotes and have found the process daunting. First off the quotes are all over the place, some thousands of dollars apart. Secondly once I think I found a lower quote I have on more then one occassion called in to sure things up only to find the quote was a teaser and changed dramatically once you provide additional info. Thirdly I am now spammed multiple times a day by various companies who I did online quotes with, I receive calls from a multitude of agents, many times several different ones from the same company. I have talked to a few of the agents, but have found their services gimmicky, trying to upsell or switch my other insurance products, etc..I am now at the point where I feel compelled to just suck it up and take the absurd yearly rate hikes as the amount of time I am having to expell in the process is overtaking any savings. I feel however there must be a better way? Does anyone have suggestions on how to shop homeowner insurance, without having to spend loads of time refilling out you personal info, without getting a quote that you really can't get, without being spammed by the company?I should mention I started by searching the forums here and found another thread that suggested searching State premium comparisons, i.e.
http://www.dora.state.co.us/pls/real/Ins_Survey_Reports.Process_...This looked promising, however after randomly getting a few quotes I decided the data on the page is garbage as reality is no where close to what they report and even fails as a tool for comparison in prices.Lastly I see lots of people like AAA or USAA; I found AAA/Travlers to be about $1000 more than what I pay now and I don't qualify for USAA.Any suggestions from others on how to best shop around?
It would appear so, seeking your input.On May 17 I sent $1,000 via Amazon Payments to a friend. The funding source was my Navy Federal CU savings account. About a week later, I got an email from Amazon that the payment failed. Navy Fed sent me a letter stating that they did not process the $1,000 because it was a non-transaction account. So essentially NFCU denied the transaction because it was a non-transaction account, and then Amazon did not send the money to the recipient. Not a big deal. NFCU didn't allow the money out of my account, Amazon didn't get it so they didn't send it to the recipient. Then I receive a letter dated May 25 from a place called Telecheck Electronic Check Acceptance Service. They list the merchant as Amazon FPS, the $1,000 amount, the May 17 transaction date, and list it as a failed transaction. Basically it's an invoice for $1,000! It also has the debt validation notice on the back - must validate within 30 days, this is an attempt to collect a debt, etc. I called Amazon when I got the letter. Explained the situation. They were very nice and said that they have never heard of Telecheck, it is likely a scam, and because Amazon is just a payment processor they're not out any money from a failed transaction and have no need to send debt collection after people. Makes sense to me. They took all the information I had and are going to get back with me. I then called Telecheck. 888 263 4935. The lady was fairly rude, but said they they work closely with Amazon. Her story is that when a payment fails on Amazon, Amazon contracts with Telecheck to receive the money from Telecheck so that Amazon still gets their money...or something. Not sure exactly what she was getting at. Whether telecheck supposedly sent $1,000 to Amazon, or to the recipient. Anyone have a clue what is happening here? Do I need to dispute this so it doesn't go on my credit report?
Ethics of the exploit
Added on : Friday May 31st 2013 12:00:07 PM
So I'm trying to figure out where the ethical line should be drawn in taking advantage of marketing failures. Thus far I've made a fair penny from fortune 500 companies, and just found a wide open deal for a smaller operation. I'm not going to post the site because they'd either close the deal entirely or be bankrupt, but that brings me to the point of this post (and they are large enough to be partnered with whole foods).these 2 girls have started a cooking / recipe style company, and are now expanding to selling 3rd party goods, and are offering a $10 credit with a $25 bonus credit for each person you refer who signs up and redeems there $10 bonus. There are no IP blocks, or even bad email filtering, just dupe checking and a url cookie that gets verified. if I make an account, and refer 10 of my own accounts, I may have to spend $100 total to redeem, but will get $250 in credit.The new site isn't open yet, this is a pre-launch promotion, but I have the ability to sock away thousands in store credit to redeem over time in the future, and it looks like I'd be able to rack up hundreds in credit on each account, so I could redeem for top of the line stuff and resell over time, for a long term steady income stream, kinda like the recent $5 starbucks giveaway except I wouldn't need to transfer rewards to a central account, I'd accrue enough store credit on one account to be able to redeem for top-end merchandise.I'm thinking it would be OK to do a metaphorical trojan horse, to exploit this to a very high degree now, and then sit on the store credit for at least 3 months, and up to a couple years, until the company has some real sales and is making profit, then slowly redeem over time for a long term payoff.
I'm wondering how other FWFers feel about this, and what their thought process is when deciding to take advantage of exploits such as this.
Epson WorkForce WF-3540 Wireless All-in-One Color Inkjet Printer, Copier, Scanner, 2-Sided Duplex, ADF, Fax. Prints from Tablet/Smartphone. AirPrint CompatiblePrice dropped again to $129.99 with FSS at Amazon LINKSome of the better reviews for a printer in this class.
World's Fastest 2-sided printing
500-sheet paper capacity
40% lower printing costs vs color laser
Mobile device printing
3.5-Inch touchscreen with gesture navigation
I bought this locally for $149.99 and have been pretty pleased with it. It accepts higher capacity ink cartridges (I buy generic).Personally, I hate all ink-jet printers and their manufacturers. It's so sad that they no longer care about quality and only want to make a "disposable" product that fails within a year, hoping to make big bucks off their ridiculously expensive ink cartridges.
Amazon Coupons
OCZ Technology 512GB Agility 4 Series SATA 6Gb/s 2.5-Inch Solid State Drive( SSD) With Up to 420 MB/s Read And 85K Max.IOPS- AGT4-25SAT3-512G3.8 out of 5 stars(139 customer reviews, some complaining of drive failure so I'd read reviews before buying)$233.79 plus $3.99 shipping (price was $ 170 when I started posting this so act quickly if you want it as price may go up quickly again).Ships from and sold bybiddeal_co (4.7stars over the past 12 months. Total 6,369ratings)
Amazon Coupons
Office Depot FAR software for the week of 06/02/2013 (really ... well one Trend Micro title)
Trend Micro Titanium Antivirus For 1 User [220-885] $39.99
++ FREE After $20 Mail-In Savings & $20 Mfr. Current User Upgrade Mail-In SavingsMcAfee Total Protection For 3 Users [830-788] $74.99
++ $14.99 After $5 Instant & $60 Mfr. Mail-In Savings
--- Different rebate from previous two weeksMcAfee Internet Security For 3 PCs [830-698] $60.99
++ $7.99 After $9 Instant & $53 Mfr. Mail-In Savings
--- Different rebate from previous two weeks
--- The rebate number of 11-61467 seems very odd. One would expect 13-nnnnn. http://forms.young-america.com/132407_MC71-405-2013-05-07.pdf
====================****ALERT ON McAfee REBATES****McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Bitdefender 2013 Price Cuts 75% OFF
Added on : Wednesday May 29th 2013 07:00:05 AM
BitDefender Antivirus Plus 2013 - 3 PC / 1 Year only $19.95
BitDefender Internet Security 2013 - 3 PC / 1 Year only $19.95
BitDefender Total Security 2013 - 3 PC / 1 Year only $19.95 Go to http://www.bitdefender.com
Coupon code: 2013PriceCutsEMM-19-95USDIf you are using Bitdefender 2013 (Antivirus Plus, Internet Security, Total Security) you can upgrade, free of charge, to the Bitdefender 2014 version by:1. Installing it directly over the older version with the installer provided. During the installation process you will receive a notification informing you that a previous version was detected. Click Yes to uninstall it, reboot the computer, then proceed the installation.
If the older version was registered, Bitdefender 2014 will "remember" the respective license key.2. Removing the older version, restarting your computer and installing the new version. The product settings of your previous version will not be saved. Please use this upgrade method only if the first option fails.
To smoothly uninstall Bitdefender
Background check question for employment
Added on : Monday May 27th 2013 12:00:05 PM
I am looking for a new job after a failed business launch and I'm looking to re-enter the corporate world. I got some advice from you all on this forum and that I should change the title of my position from "Founder" or "Owner" on the resume to be more relevant to the jobs I'm applying for. Some of you mentioned that I should use "Financial Consultant" or "VP of Finance" as I'm seeking a job in the FS industry. If I use "Financial Analyst" or something similar to that and tailor my job description on the resume to be more related to conducting market research, prospecting investors, doing financial analysis, making investment pitches, etc, how would that work during the background check once I get an offer from a company? It was a startup company that I launched on my own so I'm not sure how I would prove my title. Anyone know if this is okay?
Background check question
Added on : Monday May 27th 2013 10:00:15 AM
I am looking for a new job after a failed business launch and I'm looking to re-enter the corporate world. I got some advice from you all on this forum and that I should change the title of my position from "Founder" or "Owner" on the resume to be more relevant to the jobs I'm applying for. Some of you mentioned that I should use "Financial Consultant" or "VP of Finance" as I'm seeking a job in the FS industry. If I use "Financial Analyst" or something similar to that and tailor my job description on the resume to be more related to conducting market research, prospecting investors, doing financial analysis, making investment pitches, etc, how would that work during the background check once I get an offer from a company? It was a startup company that I launched on my own so I'm not sure how I would prove my title. Thanks
Ultimate Leadership: Winning Execution Strategies for Your Situation [Kindle Edition] - was $29.99Russell E. Palmer (Author)http://www.amazon.com/dp/B0051TW0QCPublication Date: January 17, 200824 Reviews ★★★★.5

To succeed, leaders must understand and apply the core principles of leadership--but thats not enough. You need to shape your approach for any unique situation. Too many leaders dont know how to do that--and thats why they fail. Ultimate Leadership shows how to adapt the principles of leadership to different challenges, contexts, and organizations.

Russell E. Palmer--who has had three very different, highly successful careers as head of one of the worlds largest accounting firms, Dean of the Wharton School, and an entrepreneur--helps you identify the leadership model most appropriate for your environment, and how to lead accordingly. Youll learn better ways to lead your equals, help an organization weather crises, transform its culture, lead entrepreneurial organizations, lead global organizations...even lead non-profit and academic institutions.

Then, drawing on interviews with an extraordinary spectrum of outstanding leaders, Palmer helps you master the attribute every leader must have: the ability to inspire your unique organization, even in the face of the most daunting challenges.
Achieving empowerment, even in classic "top-down" organizations
Exercising strong authority without falling victim to ego or closed-mindedness
Transforming an organization of peers
Driving changes in a strategic direction when key power centers disagree
Turning danger into opportunity
Mastering the art of rapid, focused, hands-on execution for organizations in crisis
Leading cultural change that sticks
Reconnecting structures, processes, and strategies with the new realities you face
Learning from the Wharton experience
Succeeding in an environment with widely diverse, highly influential stakeholdersAbout the Author
Russell E. Palmer is the owner and Chairman and Chief Executive Officer of The Palmer Group, a corporate investment firm located in Philadelphia, Pennsylvania. Before founding his own firm, he served as Dean of the Wharton School for seven years and prior to that he served for ten years as Managing Partner and CEO of Touche Ross & Co. (now Deloitte & Touche), an accounting and consulting firm. He became CEO of Touche Ross at age 37, the youngest person ever to attain that position in what is now the Big Four accounting firms.

After 27 years in the accounting and consulting profession, Mr. Palmer became Dean of the Wharton School. As the tenth Dean, and the first to come from the private sector, he shared his management experience with MBA students in a leadership course that he developed. He was instrumental in attracting more than 100 new faculty members to the School, building a new executive education program and complex and raising more than $125 million for the School. When he retired, the school was consistently ranked number one in undergraduate business education and in the top three MBA graduate programs.

In his current career with The Palmer Group, he has acquired more than thirty companies with the majority being in the educational field. All of these acquisitions have been successful investments, with the latest divestiture being a proprietary school group that was sold for $120 million.

Active in the outside business community, Mr. Palmer has served on 12 New York Stock Exchange boards, including Honeywell International, Inc., Verizon Communications, Inc., The May Department Stores Company, The Goodyear Tire & Rubber Company, and Bethlehem Steel Corporation. He is a Trustee Emeritus of the University of Pennsylvania, a Trustee of the National Constitution Center, and a Member of the Smithsonian National Board.

Mr. Palmer graduated with a Bachelor of Arts degree, cum laude, from Michigan State University, and has received several honorary degrees. He has written and lectured extensively. His articles and essays have appeared in Business Week, the New York Times, the Journal of Accountancy, and other publications.
Amazon Coupons
Office Depot FAR software for the week of 05/19/2013 (NO FAR, two McAfee titles, $8 AR and $15 AR) McAfee Total Protection 2013 1 User [830-743] $51.99
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
McAfee Total Protection For 3 Users [830-788] $69.99
$14.99 After $10 Instant & $55 Mfr. Mail-In Savings 
====================****ALERT ON McAfee REBATES****McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Backdoor Roth boo-boo?
Added on : Tuesday May 14th 2013 11:00:10 AM
This is my only FW account and I admit to being a FWF failure!In 2011 I read about the "backdoor roth ira conversion" similar to this recent article: http://www.marketwatch.com/story/backdoor-roth-ira-conversion-ta... due to my income not letting me do a roth directlySo in 2011, I invested $5,000 or $5,500 over 5-6 months with after tax non-deductible dollars. I failed to read the part about investing it all up front and immediately converting 100% of it. Mistake #1. So by the time I did convert the traditional IRA to a Roth IRA in 2011, it had grown to $7,805.When I got my tax forms, it said I took a distribution of $7,805 as income. Mistake #2 - "this can't be right, going to ignore this" I figured since I never put this money in my bank, they got it wrong. Mistake #3 - I failed to even realize I should at least owe taxes on the gains I had. ("ya right pay your bills deadbeat" blah blah blah)Fast forward to today, IRS sent me a letter saying my reported income does not match what they have, and I owe taxes on $7,805.Obviously I owe taxes, my question is do I owe taxes on the full amount or just the gains I had on my initial after tax non-deductible dollars I invested?
So, my Discover card was compromised. But, this was weird, never heard of anything like this before. I woke up this morning to find an email from Discover changing my email address had been updated. I called Discover and they were quite unhelpful, but after spending 2.5 hours on the phone I finally pieced together some of the story:Sometime this morning (time withheld) a small charge of 48 cents was placed with a website that sound like greatgoogallywoogally.com (I didn't catch the exact name)
Shortly later my online account was "re-registered" to another email address (which was my address with a couple numbers added to the end -- prior to the @ sign)
At some point after that someone used my accumulated Discover CashBack to purchase Land's End E-Certificates.Now for the particularly odd part: According to the last person I talked to at Discover (@ Websupport, who was the only useful person, oddly enough), whoever it was failed to answer my security questions. When I asked how did they change my email address if they didn't correctly answer the security questions she responded: "They shouldn't have been able to, I have no explanation." She also claimed that no one logged into the account since the account was re-registered. So I asked how could someone redeem my CashBack if they never logged in. She responded: "They shouldn't have been able to, I have no explanation."She did mention that she had seen a couple people have the same problem over the past 2 or 3 weeks (email updated to their email address plus a few numbers and then buying Land's End E-Certificates).I'm not sure what to make of this. I'd like to know how much of my information was compromised. In theory, whoever did it clearly had my card #, expiration date, and email address. They probably now have access to my physical address. In order to re-register the account they need the last 4 of my SS# and my date of birth, but its not clear they actually needed that since they didn't have the security question answers and they they were still able to re-register.
Is Prosper getting rid of the individual investor?
Added on : Tuesday May 14th 2013 05:00:10 AM
Over the last two months, I have not seen a single E or HR loan available to invest in. Yet there are numerous AA and A loans with what amounts to a very poor interest rate based on how many loans fail. The highest interest rate I have seen recently is 22%. Are they giving institutions earlier access to the higher yielding loans? As it seems the decrease in higher yielding loans coincided with the blocking of seeing who invested in those loans.Is it basically time to move on from this investment as it is becoming the eBay of today.
Discover card Fraud
Added on : Monday May 13th 2013 12:00:06 PM
So, my Discover card was compromised. But, this was weird, never heard of anything like this before. I woke up this morning to find an email from Discover changing my email address had been updated. I called Discover and they were quite unhelpful, but after spending 2.5 hours on the phone I finally pieced together some of the story:Sometime this morning (time withheld) a small charge of 48 cents was placed with a website that sound like greatgoogallywoogally.com (I didn't catch the exact name)
Shortly later my online account was "re-registered" to another email address (which was my address with a couple numbers added to the end -- prior to the @ sign)
At some point after that someone used my accumulated Discover CashBack to purchase Land's End E-Certificates.Now for the particularly odd part: According to the last person I talked to at Discover (@ Websupport, who was the only useful person, oddly enough), whoever it was failed to answer my security questions. When I asked how did they change my email address if they didn't correctly answer the security questions she responded: "They shouldn't have been able to, I have no explanation." She also claimed that no one logged into the account since the account was re-registered. So I asked how could someone redeem my CashBack if they never logged in. She responded: "They shouldn't have been able to, I have no explanation."She did mention that she had seen a couple people have the same problem over the past 2 or 3 weeks (email updated to their email address plus a few numbers and then buying Land's End E-Certificates).I'm not sure what to make of this. I'd like to know how much of my information was compromised. In theory, whoever did it clearly had my card #, expiration date, and email address. They probably now have access to my physical address. In order to re-register the account they need the last 4 of my SS# and my date of birth, but its not clear they actually needed that since they didn't have the security question answers and they they were still able to re-register.
http://www.departmentofgoods.comOsiris Chaveta Skate Shoe - Men's
Text
Item # OSI0137 Be first to testify. $9.74 85% OFF Retail: $64.95
Select optionsGreen/Black/Red, 8.0 (9.74)Green/Black/Red, 8.5 (9.74)Green/Black/Red, 9.5 (9.74)Green/Black/Red, 12.0 (9.74)Green/Black/Red, 13.0 (9.74)
With all the slaps, smacks, and pounds your foot takes while skating, it's no wonder you're in search of a shoe that helps relieve the stress. The padded tongue and upper of the Osiris Men's Chaveta Skate Shoe provides that comfort you need to stay motivated through your 95-percent trick-failure rate. Of course, Osiris gave the Chaveta a super-flexy vulcanized sole to give you the Crucial feel necessary to make the subtle tweaks needed to land in the other five percent.
Bottom Line:100-percent Ow-some.
Department of Goods Coupons
Austrian Autobahn Fine
Added on : Thursday May 09th 2013 08:02:10 AM
On a recent Europe trip, I drove from Munich to Prague. I purchased a sticker for the road toll at the Czech border, as I had researched this beforehand. I took a different route back to see the countryside and ended up cutting through part of Austria. Either I did not see or I did not understand the sign at the Austrian/Czech border alerting me to find a place to purchase a toll sticker, and I did not think about it as I had not planned to drive this route. It was a costly error, as now I received a bill for a 300 EUR fine for driving on the road without paying the toll. Pretty expensive for the short drive.Before everyone lines up with torches and pitchforks, I know this is my fault; failure to know the law is not an excuse for disobeying it. I am trying to figure out the consequences of simply being a deadbeat about it and I would like to ask FWF. Aside from being fined more or being detained until payment is made if I find myself in Austria again, what else do I need to concern myself with? I assume there are agencies that deal with foreign collections, and this could impact my credit report. Is there any enforcement on the US side?I did not find anything on a search for Austria, so thank you for your assistance in my "deadbeativity."
Office Depot FAR software for the week of 05/05/2013
Added on : Thursday May 02nd 2013 07:00:07 PM
Office Depot FAR software for the week of 05/05/2013
QuickBooks Online Simple Start 2013 For PC/Mac [826-207] $89.99
Free After $10 Instant & $90 Mfr. Mail-In SavingsQuickBooks Enhanced Payroll 2013 [825-946] $279.99
Free After $50 Instant & $280 Mfr. Mail-In SavingsMcAfee Total Protection 2013 [830-743] $51.99
$4.99 After $8 Instant & $47 Mfr. Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $61.99
$7.99 After $8 Instant & $54 Mfr. Mail-In SavingsNorton Antivirus Backup 2013 [873-394] $49.99
$14.99 After $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned. LINK
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Were we all wrong?
Added on : Thursday May 02nd 2013 05:01:19 PM
Please see this archived thread for background: http://www.fullofdeals.com/forums/finance/1139182/The overwhelming consensus was that these "colleges" are scams and that she would be better off not going there. At the time, I agreed.Now, 1.5 years later, she has finished the medical assistant program and has been working for the past 3 months making more than double what she was when she was in school. She took a federal student loan for $10k to get the degree, so she technically doesn't even have to make payments under IBR.Obviously this isn't a "rags to riches" story, but for a girl that failed out of high school and college, who reads at a 5th grade level, this for-profit program seems to be paying off.
Known Problem with Air Conditioner, Now Out of Warranty
Added on : Thursday May 02nd 2013 02:01:19 PM
I have a pretty severe leak in the coil of my air conditioner, which is bad a very bad thing for those that may not understand how an air conditioner works. It was installed in my home when it was built by the builder (low quality, now bankrupt). The installer is still in business and they provided a warranty on the system. During the warranty period, they came out to service the unit and had to fill the freon (R-22). Not being an HVAC expert (but being fairly astute), I began noticing that the air conditioner was not performing very well. Some of it I attributed to the system being under-sized for my home (a suspicion, on my part). Anyhow, this past summer it was performing horribly and began to freeze up. I quit worrying about it just turned it off as the weather started to cool down.Fast forward to today: I called another company to come out and take a look, hoping to get the thing operating. The service technician checked the pressure and found that it was EXTREMELY low... maybe just about 20% of the freon it should have in it. He also asked how many square feet the house is and noticed the system is about 25-50% under-sized. I had him perform a leak test and he found only one leak in the coil (and noted that the it is a common problem for the model of coil for the year it was manufactured). From research and verification of the technician, the company that installed and warrantied the system should have addressed the leak when they filled the freon while it was under warranty.I have the company that serviced the system coming back out tomorrow to give me two estimates: 1) repairing the system: likely ~$2k or more, 2) installing a new system that is properly sized and can use the newer freon replacement as the R-22 cannot be sold as of 2015: likely ~$5k or more.So, here is the crux of the situation. The company that installed was negligent in not addressing the leak while the system was under warranty. Professional opinion is that it should always be addressed... the system isn't going to leak and then just fix itself, it will continue to leak causing poor performance and eventually will cease to operate and these gasses are regulated because they are bad for the ozone layer (if that is an important consideration for you). So, as with other warrantied items, what experience have you all had getting a company to address something (completely or partially) when it is out of warranty due their negligence during the warranty period?I would be satisfied if they would pay for the system to be repaired, or just cut a check to me for the cost. This issue has certainly cost me more in terms of discomfort and inefficiency, but I would be willing to settle for just the money to repair. This is also considering that they under-sized the system. I would then take the money and put it towards replacing the system with one that is adequately sized and is ready for the newer freon. I am also not intimidated by the notion of taking them small claims court, either... I successfully represented myself last year (if you read and remember the thread about my dog being attacked). I have legal service but it doesn't cover small claims court (but it does cover consultation and pre-court "planning").If they do not want to cut a check for the cost of another company to repair and would want to perform the repair themselves, then I would only be satisfied with them installing a completely new system at cost (with me being willing to pay the difference from a comparable system to an adequately sized system).What would satisfy me and what may happen in reality may not even come close to meeting up, obviously. I am not being naive. I am just looking for those that have tried and either failed, partially succeeded, or completely succeeded in having a similar situation addressed and advice from those folks. Thanks in advance.
Dave Ramsey $10 sale
Added on : Thursday May 02nd 2013 05:00:05 AM
This guy's 'Total Money Makeover' book put my family on the right track financially.http://www.daveramsey.com/store/10-dollar-sale/c10ds-p0.html?et_...If you really want to experience peace even in down times like these, try living debt free.It isn't quick, it isn't easy or fun, but it's worth it.If you don't wish to spend $10 on a book that can literally change your family tree, than check out his free radio show. He is very good at getting people out of those "poor me", "little man can't get ahead", "rich get richer while the poor get poorer" attitudes that automatically set you up for failure.His advice is just common sense, but it doesn't take much looking around to see that common sense is all but extinct.
Drobo 5N Network Attached Storage Array $470 FS @TD
Added on : Wednesday May 01st 2013 02:00:06 PM
Drobo 5N Network Attached Storage Array - 5 x 3.5" Drive Bays, 1 x Gigabit Ethernet Port, 6' ft Ethernet Cable, Power Fail Protection (DRDS4A21)Price shown in cart. Save $130. Tax in FL, IL, NC, TX, GA, SD and ID. Limit 2 per customer
http://www.tigerdirect.com/applications/SearchTools/item-details...
Tiger Direct Coupons
Buy house for mother to rent - What could be the problem?
Added on : Tuesday April 30th 2013 07:01:18 PM
Dear Fatwalleters,I am looking for opinions and advise on possible pitfalls that could come with the following situation:My mother is currently living in a rental because she moved to be closer to the family. She would like to move into a more permanent place but does not qualify for a home loan. To help her out I would like to purchase a home under my name and let her live there. The idea is that she would pay "rent" equal to the cost of mortgage + taxes + insurance. What could go wrong? Obviously she could fail to pay her rent and I would be stuck with the bill but I know she would do whatever she could so that didn't happen.
Random concerns we have:
1. She wishes there would be a way to structure the set up so she could still build some kind of equity that would be hers since this could be a long term deal.
2. The other siblings could feel a little resentment that at the end of 30 years I have a paid off house that wont be part of a shared inheritance.
3. Are there any legal/ownership issues we should worry about? Would it be better if both of us are on the title? Pro's and Con's?As one more bit of info, this house is really too expensive for her which also makes me nervous. $1100 + Utilities and only $1800-1900 in take home pay. Problem is, $1100 is also what rents cost in the area and she has been paying that for two years. She is an older women with two dogs so getting a roommate isn't an easy option. I don't doubt so much that she will pay, it's more that I feel she is sacrificing too much of the rest of life just for housing.What would you do? Buy the house so your mother can have a stable place to live, or keep waiting for a miracle deal that may never come?Thank you for any responses.
After bobbing up and down from $25 level in Sears SYWR I got yet another offer: seems fantastic upto $100"Points Match Back: Redeem your points and we'll match back the points you've redeemed.*"* Maximum of $100 in points awarded per member, per transaction. Purchase requirement calculated before taxes and after discounts have been applied and must be made in a single transaction. Limit one coupon per purchase. Void if copied, transferred or obtained via unapproved means and where prohibited. Any other use constitutes fraud. Redeemable at Sears, Kmart, Kmart.com, and Sears.com. Cash value 1/20. Online code limited to one-time use only and applies to merchandise marked sold by Sears or sold by Kmart. Sears Holdings reserves the right to terminate or modify this offer at any time for failure to comply with its terms and/or due to any operational malfunction of the software, hardware or equipment required to process this offer. Members earn points on qualifying purchases, excluding sales taxes and other fees. Subject to full program terms available at shopyourway.com. Must remain opted-in to receiving promotional emails from SHOP YOUR WAY REWARDS℠ to earn bonus points. Bonus points are inclusive of, and not in addition to, any base points earned on qualifying purchases. When bonus point offers are combined, total points earned will be less than the combined point totals for each individual offer. See www.shopyourway.com for details.
The code seems somewhat close to MrC's offer of redeem $25 get $20 back, only this time looks like "redeem upto $100 get all that back" so way better!I do not know if the code is unique or not (says one time use per acct but not clear) so not posting the code, might be targeted but just heads up to others to not discard by mistake.
Good for those w/high balance, a great chance if you get that.
Sears Coupons
Keep your insurance card in your pocket: it can save your life
Added on : Tuesday April 23rd 2013 02:03:50 AM
I heard this extremely unfortunate story, hopefully, it won't happen to any of us:
Coworker A had a sudden heart attack. Coworker B drove A to the closest hospital. When arrived, A was already unconscious, so B was trying to help out with the paperwork. B doesn't know if A has insurance or not, and A doesn't have an insurance card in her pocket, so B was told by the hospital to pick one of the two options below:
1) Drive A to the nearest county hospital, because they can't take her without her insurance information
2) Have B sign a form so that if A fails to pay her hospital bills, B will be liable to pay
B couldn't decide, but kept trying to call A's husband a million times, but couldn't reach him. A died waiting. I don't know if the hospital's refusal is legal or not (lawyers, please chime in), but it is certainly not ethical.ALWAYS HAVE YOUR INSURANCE CARD WITH YOU, IT CAN SAVE YOUR LIFE!I know a lot of us are actively thinning our wallet and took advantage of the SuperSkinny deal a little bit ago, and have been trying to take out unnecessary cards, but your medical insurance card isn't one of them.
http://www.sears.com/shc/s/p_10153_12605_07163026000PCraftsman Garden Hose Full Warranty
If this Craftsman garden hose ever fails to provide complete satisfaction, return it to any Sears store or other Craftsman outlet in the United States for Free Repair or replacement.
Sears Coupons
LOLMart Final Closeout Clearance
Added on : Monday April 22nd 2013 09:00:10 PM
LOLMartI bought my daughter some cheap kids shirts for $2.50 each:https://lolmart.cheezburger.com/estore/buy.asp?job_num=56247&pro...https://lolmart.cheezburger.com/estore/buy.asp?job_num=56247&pro...Adult T-shirts $5.00
Hats $2.50Fail Stamp - $1.00
Win Stamp - $1.00Happy Cat Plush - $1.50
Lolrus Plush - $1.50
Magic Cheezeburger - $2.50Free shipping over $50.
Each order comes with a free button set.I'm sad to see them closing, as I've bought several t-shirts from them over the years.
Hi folks, This is the first time I am asking a Q in finance forum because I need your thoughts and ideas.I was in Kauai vacationing with my family in January (01/16) and rented a car from Avis (they gave me a standard car instead of a compact). First day of our vacation we were out at Ke'e beach (the last point on the north coast) and after our hike we got back to the car, realizing it won't start. It was getting very dark and we had no cell signal. I found a pay phone about half a mile from the parking lot and called Avis. First person ran me through a bunch of diagnostic steps so i went back to the car, tried and failed. I called again and this time the rep told me that there is something wrong with the car. After 45 min on the phone